Growth focused global equity mix with strong US tilt and efficient low cost structure
Report created on May 14, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 42.82% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 42.82% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 12.85% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 1.51%
This portfolio is made up of four stock ETFs, with no bonds or cash included in the mix. Two broad US funds dominate: a NASDAQ 100 ETF and an S&P 500 ETF, each at about 43%, together driving most of the portfolio’s behavior. An international stock ETF at around 13% adds non‑US exposure, while a small 1.5% allocation to a US dividend equity ETF slightly boosts income. Structurally, this is a straightforward, equity‑only, index‑style lineup. That simplicity makes it easier to understand what’s going on: growth‑oriented US stocks are the core, with a modest global and dividend layer on top, so day‑to‑day moves will mainly reflect large US stock markets.
Growth
From late 2020 to May 2026, $1,000 in this portfolio grew to about $2,321, a compound annual growth rate (CAGR) of 16.38%. CAGR is the “average yearly speed” of growth, smoothing out ups and downs. Over this period, that beat both the US market benchmark (15.77%) and the global market benchmark (13.65%). The trade‑off was a deeper max drawdown of about -29%, compared with roughly -24% for the US benchmark. A drawdown is the largest peak‑to‑trough fall, showing how painful a slump can feel. The portfolio also shows that a small group of days (27) generated 90% of returns, highlighting how missing a few strong days can significantly change long‑term results.
Projection
The Monte Carlo projection looks at many possible futures by “rerolling” past return and volatility patterns 1,000 times. It’s like simulating 1,000 alternate 15‑year histories and seeing where a $1,000 investment might land. The median outcome of about $2,720 implies a central annualized return around 8.07%, with a wide range from roughly $990 to $7,807 between the 5th and 95th percentiles. This spread illustrates uncertainty: the same portfolio can lead to very different results depending on market paths. Importantly, these simulations are based on historical behavior and assumptions that may not hold, so they’re best viewed as a rough map of possible scenarios, not a prediction.
Asset classes
- Stocks 100%
All of the portfolio is invested in stocks, with 0% allocated to bonds, cash, or other asset classes. That creates a pure equity profile: more growth potential over long periods, but also more sensitivity to market swings. Asset classes are broad groups like stocks, bonds, and real estate that tend to behave differently in various economic conditions. A 100% stock allocation means the portfolio’s ups and downs are tightly linked to equity markets, with no built‑in stabilizer from traditionally steadier assets. For investors tracking risk, this makes the portfolio easier to interpret: equity bull markets are likely to be fully felt, and equity bear markets will be felt just as directly.
Sectors
- Technology 41%
- Telecommunications 12%
- Consumer Discretionary 11%
- Financials 8%
- Health Care 7%
- Industrials 7%
- Consumer Staples 6%
- Energy 3%
- Basic Materials 2%
- Utilities 2%
- Real Estate 1%
Sector exposure is heavily tilted toward technology at 41%, followed by telecommunications and consumer discretionary, with smaller slices in financials, healthcare, industrials, and other areas. Compared with broad global benchmarks, this is a more tech‑centric and growth‑oriented mix. Sectors are like different parts of the economy, and they react differently to interest rates, inflation, and business cycles. A tech‑heavy portfolio can benefit when innovation and digital businesses are leading markets, but it can also be more sensitive during periods of rate hikes or when investors rotate toward more traditional or defensive areas. The spread across other sectors still provides some diversification, even with technology in the driver’s seat.
Regions
- North America 87%
- Europe Developed 5%
- Japan 2%
- Asia Emerging 2%
- Asia Developed 2%
- Australasia 1%
Geographically, about 87% of the portfolio is in North America, with the rest spread thinly across developed Europe, Japan, other developed Asia, emerging Asia, and Australasia. Global equity benchmarks usually allocate a smaller share to North America, so this is clearly US‑tilted. Geography matters because economies, currencies, and policy environments can move differently. A strong US tilt has worked well in recent years as US markets outperformed many others, and it keeps currency risk simple for a US‑based investor. At the same time, it means performance is strongly tied to one region’s fortunes, while many opportunities in other parts of the world play a relatively minor role.
Market capitalization
- Mega-cap 49%
- Large-cap 35%
- Mid-cap 15%
- Small-cap 1%
The portfolio is dominated by mega‑cap and large‑cap companies, together making up about 84%, with mid‑caps at 15% and only 1% in small‑caps. Market capitalization, or “market cap,” is basically company size in the stock market, and size can influence how a stock reacts to news and economic shifts. Larger companies tend to be more stable and widely followed, while smaller ones can be more volatile but sometimes more nimble. This size mix is broadly in line with major US and global indices, which are also heavily weighted to the largest companies. As a result, portfolio behavior is likely to closely resemble the broader large‑cap equity market.
True holdings
-
NV NVIDIA Corporation 6.94%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 5.89%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 4.28%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.63%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.93%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.56%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.55%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 2.31%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 1.64%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AM Advanced Micro Devices Inc 1.45%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 34.19%
Looking through the ETFs’ top holdings, the biggest underlying exposures are well‑known large tech and growth names, such as NVIDIA, Apple, Microsoft, Amazon, and Alphabet. NVIDIA alone accounts for nearly 7% of the portfolio, and Apple around 6%, even though there are no single‑stock positions. Overlap occurs when the same company appears in multiple ETFs, quietly increasing concentration. For example, the major US funds and the NASDAQ 100 ETF often share many of these same giants. Because only top‑10 ETF positions are counted, actual overlap is likely higher. This hidden concentration means that headlines about a handful of big companies can have an outsized impact on the entire portfolio.
Factors
Factor exposure here is mostly balanced, with value showing a mild tilt away at 39%, while size, momentum, quality, yield, and low volatility sit near neutral. Factors are characteristics like “cheap versus expensive” (value) or “stable versus choppy” (low volatility) that academic research links to long‑term return patterns. A low value exposure suggests a preference for companies with higher valuations, which often lines up with growth‑oriented, technology‑heavy portfolios. Neutral momentum and quality means the portfolio behaves much like the market on those dimensions, without a pronounced tilt toward recent winners or especially high‑quality balance sheets. Overall, this looks like a growth‑leaning but otherwise factor‑balanced equity mix.
Risk contribution
-
Invesco NASDAQ 100 ETF
Weight: 42.82% 51.3% -
Vanguard S&P 500 ETF
Weight: 42.82% 38.6% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 12.85% 9.3% -
Schwab U.S. Dividend Equity ETF
Weight: 1.51% 0.9%
Risk contribution shows how much each holding drives overall ups and downs, which can differ from simple weights. Here, the NASDAQ 100 ETF is about 43% of the portfolio but contributes over 51% of total risk, highlighting its higher volatility. The S&P 500 ETF, also 43% by weight, contributes a bit less risk than its share, while the international and dividend ETFs contribute less risk than their weights might suggest. The top three holdings account for over 99% of portfolio risk, so the overall ride is almost entirely determined by these broad equity funds. This concentrated risk structure is typical for equity‑only portfolios built from a small number of large, diversified ETFs.
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.
The risk‑return chart shows this portfolio sits on or very close to the efficient frontier. The efficient frontier represents the best possible trade‑off between risk and expected return that can be achieved using these same holdings in different weights. Here, the current Sharpe ratio of 0.71 (a measure of return per unit of risk above the risk‑free rate) is lower than the optimal portfolio’s 0.93, but the gap is modest given the higher expected return of 16.93%. This means the allocation is already broadly efficient for its chosen risk level, and the existing mix of US growth, broad US market, and international stocks is being used in a generally effective way.
Dividends
- Invesco NASDAQ 100 ETF 0.40%
- Schwab U.S. Dividend Equity ETF 3.30%
- Vanguard S&P 500 ETF 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.00%
The overall dividend yield of the portfolio is about 1.0%, which is relatively modest and consistent with its growth emphasis. Dividend yield is the cash income paid out each year as a percentage of the investment’s value. The NASDAQ 100 ETF has a very low yield around 0.4%, while the S&P 500 and international ETFs sit near or just above 1–3%, and the small dividend equity ETF offers the highest yield at 3.3% but has a tiny weight. In practice, most of the portfolio’s total return historically has come from price changes rather than income, which fits the pattern of a large‑cap, tech‑tilted equity mix.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- Schwab U.S. Dividend Equity ETF 0.06%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.08%
The portfolio’s costs are impressively low, with a total expense ratio (TER) of about 0.08% per year. TER is the annual fee charged by the ETFs, taken directly out of fund assets, a bit like a small maintenance fee. The largest positions are in low‑cost index funds, ranging from 0.03% to 0.15%, which is significantly cheaper than many actively managed funds. Over long periods, even small fee differences can compound into noticeable gaps in ending wealth, so this low‑cost structure supports better long‑term performance. The cost profile is very much aligned with best practices for broad, index‑based equity portfolios and provides a solid foundation for compounding returns.
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