Highly concentrated large cap US growth portfolio with strong tech tilt and modest volatility control
Report created on Mar 27, 2026Risk profile
5/7
Diversification profile
2/5
Positions
-
FX Fidelity 500 Index Fund
FXAIX - US3159117502 70.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 30.00%
This portfolio is extremely straightforward: two core positions in broad US equities, tilted toward large growth stocks. Around 70% sits in a broad US index fund tracking major domestic companies, while 30% is in a more concentrated basket of high‑growth names. This structure keeps things simple and transparent, which many investors like. The mix leans firmly into economic growth and corporate earnings, with no allocation to bonds, cash, or alternatives. That means bigger swings but also higher long‑term return potential. The key takeaway is that this setup fits someone comfortable riding out stock market ups and downs in exchange for growth, but it’s not designed for capital preservation or short‑term needs.
Growth
Historically, $1,000 grew to about $2,008 over the period, with a compound annual growth rate (CAGR) of 13.69%. CAGR is the “average speed” of growth per year, smoothing out the bumps. This slightly beat the US market and more clearly outpaced the global market, showing that the growth tilt has been rewarded. The max drawdown of -27.49% means the portfolio once fell that far from a peak, which is meaningful but in line with growth‑oriented stock exposure. Only 22 days made up 90% of returns, highlighting how a few big days drive long‑term results. The big caveat: past returns and drawdowns don’t guarantee the next five years will look similar.
Asset classes
- Stocks 100%
All assets here are stocks, with 100% equity exposure and zero allocation to bonds, cash, or other asset classes. That’s very growth‑oriented and fits a long time horizon, but it also means the portfolio moves almost entirely with the stock market. In more typical balanced portfolios, bonds and other assets can act as shock absorbers, especially during recessions or sell‑offs. By skipping those, this setup maximizes participation in equity gains but also fully absorbs equity drawdowns. For someone needing stability or near‑term withdrawals, this could feel too aggressive. For a long‑term investor comfortable with volatility, it aligns well with a growth objective as long as expectations are set appropriately.
Sectors
- Technology 39%
- Telecommunications 13%
- Financials 9%
- Health Care 8%
- Consumer Discretionary 7%
- Industrials 7%
- Consumer Staples 6%
- Consumer Discretionary 4%
- Energy 2%
- Utilities 2%
- Basic Materials 2%
- Real Estate 1%
Sector exposure is heavily tilted toward technology at about 39%, with meaningful allocations also to telecommunications and financials, and smaller portions spread across health care, industrials, consumer areas, and other sectors. This kind of tech‑heavy allocation often benefits from innovation, digital transformation, and strong earnings growth, which have been big drivers of returns recently. The flip side is that tech‑related names can swing more when interest rates move or when growth expectations get questioned. Compared with broad, evenly diversified sector mixes, this profile accepts more sector risk in exchange for growth potential. The balance outside of tech still helps, but the portfolio’s behavior will be particularly sensitive to sentiment around large technology and communication companies.
Regions
- North America 99%
- Europe Developed 1%
Geographically, the portfolio is almost entirely anchored in North America, with about 99% exposure there and only a tiny allocation to developed Europe. That makes it very aligned with US‑centric benchmarks, which many investors see as a positive because it taps into deep, liquid markets and leading global companies. However, it does mean very limited direct exposure to other regions’ growth and different economic cycles. When the US leads, this concentration can be a tailwind; when it lags, there’s less offset from international markets. For someone who believes strongly in US corporate strength, this is consistent, but it’s not what many would call globally diversified.
Market capitalization
- Mega-cap 48%
- Large-cap 35%
- Mid-cap 16%
- Small-cap 1%
Market capitalization is tilted decisively toward larger companies: roughly 48% in mega‑caps and 35% in large‑caps, with a smaller slice in mid‑caps and only 1% in small‑caps. That means most of the risk and return is driven by the biggest, most established firms, which tend to be more stable and liquid than tiny companies but may offer less explosive growth. The modest presence of mid‑caps adds some dynamism without dramatically increasing risk. This large‑cap focus aligns closely with mainstream benchmarks and can be reassuring since these companies often have robust balance sheets and diversified businesses, but it also means less exposure to the “small company premium” that sometimes shows up over very long periods.
True holdings
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NV NVIDIA Corporation 2.57%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AA Apple Inc 2.22%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
MS Microsoft Corporation 1.71%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AM Amazon.com Inc 1.36%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
TS Tesla Inc 1.14%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
-
ME Meta Platforms Inc. 1.07%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
GO Alphabet Inc Class A 1.06%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
WM Walmart Inc. Common Stock 0.98%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
GO Alphabet Inc Class C 0.98%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AV Broadcom Inc 0.92%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 14.00%
Looking through the holdings, the top underlying exposures feature many familiar mega‑cap names: NVIDIA, Apple, Microsoft, Amazon, Tesla, Meta, Alphabet, Walmart, and Broadcom. Several of these appear in both the broad US index and the growth‑heavy ETF, which creates “hidden” concentration because the same companies are owned through different vehicles. This matters because portfolio risk can end up more dependent on a small set of giants than it first appears. Even though only top‑10 ETF holdings are captured and overlap is likely understated, the pattern already points to a strong tilt toward leading technology‑driven franchises, which can drive returns but also amplify volatility when sentiment around those names shifts.
Factors
The standout factor feature is the very low size exposure at 18%, meaning a strong tilt away from smaller companies toward larger ones. Factor exposure is like checking which “traits” your portfolio favors, and here the trait is clearly big, established firms rather than small, nimble ones. Very low size exposure often leads to more stable earnings and business models, but potentially less explosive upside during periods when smaller companies surge. Most other factors—value, momentum, quality, yield, and low volatility—sit in the low to neutral range, suggesting no extreme bets there. Overall, this factor profile should behave similarly to a broad large‑cap growth market, especially during big moves in mega‑cap names.
Risk contribution
-
Fidelity 500 Index Fund
Weight: 70.00% 64.2% -
Invesco NASDAQ 100 ETF
Weight: 30.00% 35.8%
Risk contribution shows how much each holding adds to overall volatility, which can differ from simple weights. Here, the 70% allocation to the broad index contributes about 64% of total risk, slightly less than its weight, while the 30% growth‑heavy ETF contributes roughly 36% of risk, more than its weight. That tells you the NASDAQ‑style sleeve is the “spicier” ingredient, amplifying the portfolio’s ups and downs. All the portfolio’s risk comes from just these two positions, so there’s no diversification across multiple funds. For someone happy with this profile, that’s fine; otherwise, adjusting the mix between the two could meaningfully dial risk up or down without changing the underlying investment style too dramatically.
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 risk‑return chart, the current portfolio has an expected return of 14.56% with 18.16% volatility and a Sharpe ratio of 0.69. The Sharpe ratio measures return per unit of risk; higher is better. The optimal and minimum‑variance portfolios both show slightly lower expected return at 14.20% but with meaningfully lower risk (16.77%), boosting the Sharpe ratio to 0.79. This means that, with the same two holdings, a different weighting could improve risk‑adjusted results. At the same risk level, simulations even suggest a higher return is possible. The implication is that the current mix sits below the efficient frontier, and a modest reweighting could squeeze more efficiency out of the same building blocks without adding new products.
Dividends
- Fidelity 500 Index Fund 1.20%
- Invesco NASDAQ 100 ETF 0.50%
- Weighted yield (per year) 0.99%
The overall dividend yield is relatively modest at around 0.99%, with the broad index providing about 1.20% and the growth‑heavy ETF around 0.50%. Dividend yield is the annual cash payout as a percentage of investment value and can be important for investors looking for regular income. Here, the emphasis is clearly on capital growth rather than cash flow. Many fast‑growing companies reinvest profits instead of paying high dividends, which can be effective for long‑term wealth building but offers little current income. For someone focused on income or nearer‑term spending needs, this yield might feel low; for a growth investor, it’s consistent with the strategy and keeps the focus on total return.
Ongoing product costs
- Fidelity 500 Index Fund 0.02%
- Invesco NASDAQ 100 ETF 0.15%
- Weighted costs total (per year) 0.06%
Costs are impressively low, with a total expense ratio around 0.06%. The broad US index fund is extremely cheap at 0.02%, and even the more specialized ETF sits at a modest 0.15%. Expense ratios are like a small, ongoing “membership fee” charged as a percentage of your investment each year. Keeping them low is one of the few things fully under an investor’s control and compounds meaningfully over time. This allocation is well‑balanced on the cost front and aligns closely with best practices in low‑cost indexing. It supports better long‑term performance by letting more of the underlying returns stay in your account instead of being eaten up by fees.
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