Concentrated US growth portfolio with strong technology tilt and historically strong but equity heavy performance
Report created on Sep 13, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 50.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 10.00% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 10.00%
This portfolio is a simple five-ETF mix, fully in stocks, with a big tilt toward the US. Half sits in a broad US large-cap fund, a fifth in broad international stocks, and the rest splits between US small-cap value, large-cap growth, and a dedicated technology fund. So most of the risk comes from mainstream stock markets, with some added punch from style and sector funds. Structurally, this is an equity-heavy, growth-leaning portfolio with no bonds or cash buffers. That means movements are closely tied to stock market ups and downs. The combination of broad index funds plus targeted tilts creates a clear, understandable structure with a few dominant building blocks.
Growth
From late 2019 to September 2026, $1,000 in this portfolio grew to about $2,921, a compound annual growth rate (CAGR) of 16.7%. CAGR is like average speed on a road trip: it smooths the ride into one yearly growth number. This slightly beat the US market benchmark and comfortably outpaced the global market. The max drawdown was about -34.7% during early 2020, very similar to the benchmarks, showing typical equity downside. Just 25 days made up 90% of returns, which is common in stocks and highlights how a small number of very strong days often drive long-term results. Past performance, though, doesn’t guarantee anything going forward.
Projection
The Monte Carlo projection uses past returns and volatility to simulate 1,000 different 15-year paths, like running weather forecasts for your investments. The median outcome grows $1,000 to about $2,812, with a wide “middle” range from roughly $1,796 to $4,157. The very broad possible span, from about $981 to $7,542, shows how uncertain long-term equity outcomes can be, even with the same starting point. The average simulated annual return of about 8% is lower than the recent historical CAGR, reflecting more conservative expectations. These simulations are not predictions; they just map out a range of plausible futures based on how this mix has behaved in the past.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with no bonds, cash, or alternatives. Asset classes are the broad buckets like equities, bonds, and real estate that behave differently in various environments. A 100% stock allocation leans fully into growth potential but also into full equity volatility, especially during sharp market drops. Compared with blended stock–bond mixes, this structure naturally experiences larger swings but also has more upside when equities are strong. The diversification is therefore inside the stock bucket rather than across different asset classes. This equity-only design aligns closely with the growth-oriented profile noted in the overview, while accepting that there’s little built-in cushion from more defensive assets.
Sectors
- Technology 38%
- Financials 14%
- Consumer Discretionary 9%
- Industrials 9%
- Telecommunications 7%
- Health Care 7%
- Energy 4%
- Consumer Staples 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector-wise, technology stands out at 38%, clearly above what broad global or US market indices usually hold. Financials, consumer discretionary, and industrials provide meaningful but smaller slices, while areas like utilities and real estate are minor. Sectors group companies by business type, and each sector reacts differently to changes in things like interest rates or economic growth. A strong tech tilt can boost returns in periods when innovation, software, and semiconductors lead the market, but it can also mean sharper pullbacks when sentiment turns against high-growth areas. The overall spread outside tech is still reasonably broad, which helps, but tech clearly sets much of the tone here.
Regions
- North America 81%
- Europe Developed 7%
- Asia Developed 3%
- Japan 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 81% of the equity exposure is in North America, with modest allocations across Europe, developed Asia, Japan, and emerging regions. Geography matters because company earnings and currencies are tied to different economies and policy regimes. Compared with global indices, this is more US-tilted and lighter on non-US markets, especially emerging areas. That has helped in a period where US stocks outperformed much of the world, which matches the strong historical results versus the global benchmark. It also means a lot of the portfolio’s fate is tied to one primary market. The international portion still adds some diversification, but the US clearly dominates the overall picture.
Market capitalization
- Mega-cap 43%
- Large-cap 29%
- Mid-cap 15%
- Small-cap 7%
- Micro-cap 5%
The market-cap breakdown shows a strong emphasis on larger companies: roughly 43% in mega-cap, 29% in large-cap, with smaller slices in mid, small, and micro caps. Market capitalization reflects company size, and size can influence both stability and growth potential. Large and mega caps often bring more stable earnings and liquidity, while smaller companies can be more volatile but sometimes faster growing. Here, a 10% allocation to a US small-cap value ETF plus micro-cap exposure introduces some size diversity on top of the big-company core. Overall, the mix is still anchored in big, established firms, which tends to keep behavior close to broad equity indices rather than highly niche segments.
True holdings
-
NV NVIDIA Corporation 6.57%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AA Apple Inc. 5.88%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 4.00%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.31%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.14%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.02%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.61%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 1.39%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.23%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.16%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Top 10 total 28.31%
Looking through the ETFs’ top holdings, the largest underlying exposures include NVIDIA, Apple, Microsoft, Amazon, Broadcom, Alphabet, Meta, Tesla, and Micron. These names appear across multiple funds, especially the broad US index, growth, and technology ETFs, so their combined portfolio weights are meaningful: for instance, NVIDIA and Apple together account for over 12% of the covered slice. This kind of overlap can create hidden concentration because the same company shows up in several places, amplifying its impact on returns. Coverage here only includes ETF top 10 holdings, so real overlap is likely somewhat higher. Still, it’s clear that a handful of mega-cap growth and tech companies play an outsized role.
Factors
Factor exposures across value, size, momentum, quality, low volatility, and yield all sit in the neutral range, hovering near 50%. Factors are like the underlying “personality traits” of investments that research has linked to long-term returns, such as cheapness (value) or recent strong performance (momentum). A neutral profile means this portfolio behaves broadly like the overall market rather than leaning aggressively into a particular factor style. That’s somewhat notable given the visible tilts to tech and small-cap value at the fund level; overall, those pushes balance out into a market-like factor mix. This well-balanced factor profile suggests that performance is driven more by broad market and sector moves than by targeted factor bets.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 48.4% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 16.6% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 10.00% 12.5% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 11.3% -
Schwab U.S. Large-Cap Growth ETF
Weight: 10.00% 11.2%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the S&P 500 ETF is 50% of the portfolio and contributes about 48% of the risk, roughly in line with its size. The tech ETF, small-cap value fund, and large-cap growth ETF each have 10% weights but contribute 11–13% of risk, meaning they punch slightly above their size. The total international fund contributes a bit less risk than its 20% weight suggests. The top three positions together account for roughly 78% of portfolio risk, a sign that while there is diversification, the main drivers of volatility are concentrated in a few core funds.
Redundant positions
-
High correlationVanguard Information Technology Index Fund ETF SharesVanguard S&P 500 ETFSchwab U.S. Large-Cap Growth ETF
The correlation data shows that the large-cap growth ETF moves almost identically with both the S&P 500 ETF and the tech ETF. Correlation measures how often investments move in the same direction; high correlation means they tend to rise and fall together. When multiple holdings are tightly linked like this, the diversification benefit between them is limited, especially during broad market swings. In practice, this means that while these funds hold different mixes of companies, their day-to-day behavior will feel very similar, reinforcing the portfolio’s strong growth and tech bias. Diversification is therefore more about broad versus international exposure and style tilts than about uncorrelated return streams.
Risk vs. return
This chart shows the Efficient Frontier, calculated using your current assets with different allocation combinations. It highlights the best balance between risk and return based on historical data. "Efficient" portfolios maximize returns for a given risk or minimize risk for a given return. Portfolios below the curve are less efficient. This is informational and not a recommendation to buy or sell any assets.
Click on the colored dots to explore allocations.
On the efficient frontier chart, the current portfolio sits on or very near the frontier, which means that for its risk level, the mix is using its holdings efficiently. The Sharpe ratio of 0.66, which measures return per unit of volatility above the risk-free rate, is slightly below the minimum-variance portfolio but below the max-Sharpe option as expected. The optimal portfolio on this curve would carry higher risk and higher return using the same building blocks with different weights. The key takeaway is that, given these five ETFs, the current allocation already lies in a region where the risk–return trade-off is broadly efficient, rather than clearly off the curve.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.60%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard Information Technology Index Fund ETF Shares 0.40%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.50%
- Weighted yield (per year) 1.29%
The overall dividend yield for the portfolio is about 1.29%, coming mainly from the international fund and the small-cap value ETF. Dividend yield is the annual cash payout relative to price, and it can be an important part of total return, especially over long horizons. Here, the presence of low-yielding growth and tech funds pulls the yield down compared with more income-focused or value-heavy mixes. This fits the growth-oriented character of the portfolio, where more of the expected return is intended to come from price appreciation rather than regular cash distributions. For an all-equity allocation, this is a modest but not unusually low yield profile.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.06%
The total expense ratio (TER) for the portfolio is around 0.06%, which is very low by industry standards. TER represents the annual fund fees as a percentage of assets, quietly reducing returns over time. Individual ETFs here range from 0.03% to 0.25%, with the higher-cost small-cap value strategy offset by very cheap large-cap index funds. Keeping costs this low is a structural advantage because every basis point saved compounds over the years. This cost profile is well-aligned with best practices for long-term indexing, meaning more of the portfolio’s performance comes from the markets themselves rather than from fees siphoned off to fund providers.
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