High octane US growth portfolio with concentrated equity exposure and modest factor tilts
Report created on Mar 27, 2026Risk profile
- Secure Speculative
The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.
Diversification profile
- Focused Diversified
The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.
Positions
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VO Vanguard S&P 500 ETF
VOO - US9229083632 40.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 30.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 30.00%
The portfolio is built from just three US-focused equity ETFs: a broad large-cap index, a small-cap value fund, and a growth-heavy index tracking major innovators. Allocations are split 40% to broad large caps, and 30% each to small-cap value and mega-cap growth. That means every dollar is tied to the stock market, with no bonds or cash buffer. Structurally, this is a simple but punchy setup. Simplicity helps with transparency and management, but it also means fewer built-in shock absorbers. For someone comfortable with meaningful ups and downs, this structure can be appealing, but it’s definitely on the aggressive side of the spectrum.
Growth
Historically, $1,000 invested in this mix in late 2020 grew to about $2,176, a compound annual growth rate (CAGR) of 15.39%. CAGR is like your average speed on a long trip, smoothing out the bumps along the way. This comfortably beat both the US market and global market proxies over the same period. The max drawdown, around -24%, was similar to those benchmarks, showing strong returns without dramatically worse downside. That’s a solid result and suggests the risk taken has been rewarded so far. Still, performance over a ~5.5 year window is short; markets change, so it’s best viewed as encouraging, not predictive.
Asset classes
- Stocks 100%
Every dollar here is invested in stocks, with 0% in bonds, cash, or alternatives. That makes the portfolio very “equity beta” heavy, meaning it rides closely with the stock market’s ups and downs. Equities historically offer higher long-term returns, but they can suffer deep drawdowns and long recovery periods. Having no stabilizing sleeve (like bonds or cash) can be fine for someone with a long horizon and strong stomach for volatility, but it demands discipline during rough patches. This allocation is not unusual for growth-minded investors, yet a future choice could be whether to introduce even a small cushion as life circumstances or risk tolerance change.
Sectors
- Technology 30%
- Consumer Discretionary 13%
- Financials 12%
- Telecommunications 10%
- Industrials 9%
- Energy 7%
- Health Care 7%
- Consumer Staples 6%
- Basic Materials 3%
- Utilities 1%
- Real Estate 1%
The sector mix leans heavily toward technology, with meaningful allocations to consumer discretionary, financials, and communication-related businesses, and smaller stakes in more defensive areas like health care, staples, and utilities. Compared with a broad global or US market, tech and growth-oriented sectors are clearly emphasized. That’s helped a lot in recent years, as innovation and digital platforms have driven returns. The flip side is higher sensitivity to interest rates, regulatory risk, and shifts in investor appetite away from high-growth names. This sector profile fits a return-seeking, higher-volatility style rather than a defensive, steady-income approach, and it makes future results more tied to the fortunes of innovative companies.
Regions
- North America 98%
- Europe Developed 1%
- Latin America 1%
Geographically, the portfolio is overwhelmingly concentrated in North America, at about 98%, with only slivers in other regions. That’s more concentrated than common global benchmarks, which typically spread more across Europe and Asia. A strong North American bias has worked well over the last decade as US markets outperformed many peers, and this alignment has clearly been beneficial to date. However, it does mean results are tightly linked to the US economic and policy environment. If future leadership shifts toward other regions, this mix would miss some of that diversification benefit. For those who value geographic balance, this is an area that could be fine-tuned over time.
Market capitalization
- Mega-cap 35%
- Large-cap 24%
- Small-cap 16%
- Micro-cap 14%
- Mid-cap 11%
By market capitalization, there’s a sizable tilt toward mega- and large-cap companies, but also a notable slice in small and even micro-cap stocks. The large names provide stability and liquidity, behaving more like the broader market. In contrast, the small and micro-cap exposures, particularly via the small-cap value fund, can be bumpier day-to-day but may offer higher long-term growth potential and diversification of return drivers. This blend creates an interesting barbell between very large, dominant firms and much smaller, more cyclical companies. It’s a more adventurous structure than a pure large-cap index and will typically see bigger swings, both up and down, over shorter periods.
True holdings
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NV NVIDIA Corporation 5.49%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 4.88%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.69%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.74%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.29%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 2.03%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.96%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.95%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.91%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
WM Walmart Inc. Common Stock 0.98%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 27.92%
Looking through the ETFs, a big chunk of risk is tied to a handful of giant US tech and consumer names such as NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, and Tesla. These appear in both the broad S&P 500 ETF and the NASDAQ 100 ETF, which creates hidden concentration even if each fund looks diversified alone. Overlap is likely higher than shown, since only ETF top-10 holdings are used. This overlap can boost returns when these leaders are strong, but it also makes the portfolio more sensitive to any sharp reversal in large US growth stocks. Being aware of this “double exposure” is key to understanding actual risk.
Factors
Factor exposure across value, size, quality, yield, and low volatility looks quite close to neutral, meaning the portfolio behaves broadly like the overall market on these dimensions. One notable point is the slightly low momentum exposure, suggesting less tilt toward stocks that have recently outperformed. Factor investing is about leaning into characteristics research has linked to returns, like value or quality; here, no single factor dominates. This balanced profile can be helpful because it avoids over-reliance on one style play, such as pure growth or deep value. The low momentum reading may mean the portfolio lags in strong trend-following markets but could hold up relatively better when recent winners stumble.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 40.00% 34.8% -
Invesco NASDAQ 100 ETF
Weight: 30.00% 32.7% -
Avantis® U.S. Small Cap Value ETF
Weight: 30.00% 32.5%
Risk contribution shows how much each holding drives overall volatility, which can differ from its weight. Here, all three ETFs each contribute around one-third of total risk, even though the large-cap ETF has a 40% weight and the other two sit at 30%. The NASDAQ 100 and small-cap value funds slightly “punch above their weight,” with risk/weight ratios over 1, reflecting their higher inherent volatility. This pattern is pretty balanced; no single position is dominating overall risk. If desired, shifting a little away from the more volatile ETFs toward the broader large-cap fund would slightly smooth the ride, but as it stands, risk is spread reasonably evenly across the three pillars.
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 a solid expected return with a Sharpe ratio of 0.77, meaning its return per unit of volatility is decent but not fully optimized. The optimal portfolio using the same three funds has a higher Sharpe around 0.85, suggesting that different weights could give better risk-adjusted returns without adding new products. There’s also a “same-risk” configuration that keeps volatility higher but boosts expected return further. Being below the efficient frontier doesn’t mean the portfolio is poor; it’s already doing well. It just means that, mathematically, a smarter reweighting of the existing ETFs could squeeze more out of the same building blocks.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.40%
- Invesco NASDAQ 100 ETF 0.50%
- Vanguard S&P 500 ETF 1.20%
- Weighted yield (per year) 1.05%
The overall dividend yield, around 1.05%, is modest. That’s because the portfolio leans into growth-oriented companies, especially through the NASDAQ 100, which typically reinvest profits rather than paying out high dividends. Dividends can be important for investors seeking regular income, like retirees, but are less critical for growth-focused investors reinvesting everything. Here, the role of dividends is more about a small return booster rather than a central feature. Over long timeframes, reinvesting even a low yield can still add up, but anyone prioritizing cash flow would likely want a higher-income component alongside this kind of growth-heavy core.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.13%
Total costs are low, with an overall expense ratio near 0.13%, thanks mainly to the very cheap broad market ETF. The small-cap value and NASDAQ 100 funds are a bit pricier, but still sit in a reasonable range for specialized strategies. Costs matter because they come out every year regardless of performance; keeping them low is like getting a little extra return for free over time. This cost profile is a real strength of the setup and aligns well with best practices for long-term investing. There’s no obvious fee-related drag here, leaving performance mostly driven by market behavior and asset mix, not expenses.
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