Concentrated US growth portfolio with strong historical returns and efficient but equity heavy risk profile
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
-
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 very streamlined: three US equity ETFs only, all growth‑oriented. Roughly 40% sits in a broad US large‑cap fund, 30% in US small‑cap value, and 30% in a concentrated large‑cap growth index. That means zero bonds, cash, or alternatives, so every dollar is tied to stock market swings. A simple structure like this is easy to understand and maintain, which is a real plus. The flip side is that there’s no built‑in ballast from steadier assets. For someone comfortable with big ups and downs and focused on long‑term growth, a lean three‑fund setup like this can be very intentional rather than a gap.
Growth
From late 2020 to early 2026, $1,000 grew to about $2,176, a compound annual growth rate (CAGR) of 15.39%. CAGR is like your average speed on a road trip, smoothing out stops and traffic. That beats both the US market (13.48%) and global market (11.46%) over the same period, which is a notable achievement. Max drawdown, the worst peak‑to‑trough fall, was around ‑24%, broadly in line with benchmarks. This means the portfolio has delivered higher returns without taking clearly higher downside over this window. Still, this was a pro‑US, tech‑friendly period, so these numbers are encouraging but not a guarantee of similar outperformance ahead.
Asset classes
- Stocks 100%
All assets sit in stocks, with no allocation to bonds, cash, or other asset classes. Equity‑only portfolios typically have higher long‑term return potential but also bear the full brunt of market downturns. In contrast, adding assets like high‑quality bonds can act like shock absorbers, softening drawdowns at the cost of some return. Compared with broad “balanced” benchmarks that often hold 20–40% bonds, this setup is clearly more aggressive. This all‑stock stance is consistent with a growth profile but not with capital‑preservation priorities. Anyone using a structure like this usually needs both a long horizon and the psychological ability to sit through sizeable market crashes without forced selling.
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%
Sector exposure is tilted toward technology at about 30%, with consumer discretionary, financials, and telecommunications making up sizable chunks, while areas like utilities and real estate are tiny. Versus broad market norms, this is meaningfully more growth‑heavy and less defensive. Tech and related growth sectors can drive strong gains when innovation and low interest rates support high valuations, which has recently been beneficial. But these same areas can be hit hard during rate spikes or when investor sentiment swings away from growth stories. The sector mix here aligns with a growth investor mentality and has rewarded that stance historically, while still maintaining some exposure to more traditional business areas.
Regions
- North America 98%
- Europe Developed 1%
- Latin America 1%
Geographic exposure is overwhelmingly focused on North America at 98%, with only slivers in other regions. That means returns are tightly linked to the fate of one major economy and currency. The upside: this aligns closely with a US‑based investor’s home market, making it easier to follow and potentially matching spending currency. It has also been a tailwind in the last decade, since US markets have outpaced many others. The trade‑off is limited diversification if non‑US regions outperform or if the US faces a long stretch of weaker relative returns. In global terms, this is a strong home‑bias, not uncommon but clearly a conscious tilt rather than a neutral global stance.
Market capitalization
- Mega-cap 35%
- Large-cap 24%
- Small-cap 16%
- Micro-cap 14%
- Mid-cap 11%
By market cap, there’s a strong presence in mega‑ and large‑cap companies, but also meaningful stakes in small‑ and even micro‑cap stocks, largely via the small‑cap value fund. Large and mega caps tend to be more established, with deeper liquidity and more analyst coverage, which can make them somewhat steadier. Small and micro caps can be more volatile and sensitive to economic cycles, but they also offer higher growth and value opportunities over long horizons. This blend creates a barbell: stability and market leadership on one side, plus more aggressive, potentially higher‑return but shakier names on the other. It supports diversification within equities while still leaning into risk.
True holdings
-
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, the largest underlying names include NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Broadcom, and Tesla. Several of these appear via both the S&P 500 and NASDAQ 100 funds, which creates hidden concentration in mega‑cap growth companies even though only top‑10 ETF holdings are captured. When the same heavyweight stock shows up in multiple funds, its true influence on returns and risk is bigger than it first appears. This kind of overlap can turbocharge gains when those names are winning but also magnify pain if they stumble together. Being aware of this layered exposure helps frame how much reliance there is on a relatively small group of market leaders.
Factors
Factor exposures are broadly neutral across value, size, quality, yield, and low volatility, meaning they look market‑like rather than strongly tilted. Factor exposure describes how much the portfolio leans into traits that research links to returns, like cheapness (value) or stability (low volatility). The one notable point is relatively low momentum at 31%, a mild tilt away from stocks that have recently outperformed. Portfolios underweight momentum may lag in strong, trend‑driven rallies but can hold up a bit better when hot names reverse. Overall, this setup is pleasantly well‑balanced from a factor standpoint, avoiding big bets on any single style and offering behavior similar to the broad market despite some headline growth tilts.
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 adds to overall volatility, not just how large it is. Here, all three ETFs each contribute roughly one‑third of the total risk, very close to their weights. That tells you there isn’t a single runaway source of volatility; the portfolio’s behavior is a fairly even blend of broad large caps, NASDAQ growth, and small‑cap value. Still, because everything is equity and somewhat correlated, risk is tightly clustered rather than dispersed across uncorrelated assets. If one wanted to shift the risk profile, changing the mix between these three funds would quickly move the dial, since there’s no “low‑risk” anchor currently diluting their impact.
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 Sharpe ratio of 0.77, while the optimal mix of these same holdings reaches 0.85, and the minimum‑variance version scores 0.79. The Sharpe ratio measures return per unit of risk, like miles per gallon for investing. Because the current point sits below the efficient frontier, it’s not making the most of its risk budget. The data suggests that just reweighting these three funds—without adding anything new—could improve risk‑adjusted returns, and even a same‑risk optimized mix might offer meaningfully higher expected return. This indicates an opportunity for fine‑tuning rather than a need for wholesale change.
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 sits around 1.05%, with slightly higher payouts from the small‑cap value and S&P 500 pieces and a very low yield from the NASDAQ growth sleeve. Dividend yield is the income you collect as cash distributions relative to your investment value. A modest yield like this suggests the focus is on companies that reinvest more earnings for growth rather than paying them out. For investors prioritizing capital appreciation over current income, this aligns well with the growth orientation. Those seeking regular cash flow might see this as relatively lean, but for long‑term wealth building, reinvested dividends plus growth can be a powerful combination.
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%
The blended total expense ratio (TER) is about 0.13%, driven mostly by the slightly higher cost of the small‑cap value fund, with the S&P 500 piece being extremely cheap. TER is the annual fee percentage taken by the fund manager, quietly reducing returns in the background. Over long periods, even small cost differences compound, so keeping them low is a big structural advantage. In this case, costs are impressively low for an active‑tilted small‑cap strategy plus broad and growth indexes, which supports better long‑term performance. There’s no obvious “fee drag” problem here; the pricing structure is a strong point of the portfolio design.
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