High growth focused US equity portfolio with strong tilt to technology and mega cap companies

Report created on Apr 26, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is built entirely from US-listed equities and equity ETFs, with seven holdings in total. Two broad S&P 500 ETFs together make up 60% of the weight, forming a diversified core across many large US companies. Around 30% is in growth-oriented index funds tied to the Nasdaq and a focused semiconductor ETF, adding a clear bias toward faster-growing, more volatile businesses. The final 10% sits in direct holdings of Microsoft and Apple, layering stock-specific exposure on top of what’s already in the ETFs. Structurally, this is a concentrated, equity-only, growth-oriented mix. That design amplifies participation in stock-market upside while also exposing the portfolio more directly to equity market cycles and drawdowns.

Growth Info

Over the period from late 2020 to April 2026, $1,000 in this portfolio grew to about $2,483, a compound annual growth rate (CAGR) of 18%. CAGR is the “average speed” of growth per year, smoothing out ups and downs. That pace beat both the US market (about 15.3%) and the global market (about 13.3%), showing strong historical upside. The trade-off has been deeper downside: the max drawdown was roughly -29.4%, worse than the US market’s -24.5%. A drawdown is the peak-to-trough loss during a slump. Recovery from that drop took about 13 months. Only 27 days made up 90% of returns, underlining how much long-term results hinged on being invested during a small set of strong days.

Projection Info

The Monte Carlo projection looks forward 15 years by running 1,000 simulated futures based on how similar portfolios behaved historically. Monte Carlo is like rolling the dice many times with realistic odds and seeing the range of possible outcomes. Here, the median path turns $1,000 into about $2,686, or an annualized 7.75% across all simulations. The “likely range” for outcomes runs from about $1,742 to $4,019, with a wider “possible range” from roughly $888 to $7,015. Around 71% of simulations ended with a gain. These numbers are not forecasts or promises; they simply show how the current risk profile could translate into a wide spread of long-run results if markets behave somewhat like the past.

Asset classes Info

  • Stocks
    79%
  • No data
    21%

On the asset class view, 79% of the portfolio is clearly identified as stocks, with the remaining 21% in a “no data” bucket where classification isn’t available. That reported stock share confirms this is a pure-equity, growth-oriented setup rather than a mix including bonds or cash. Equities historically have offered higher potential returns alongside higher volatility, meaning larger and more frequent swings. Compared with diversified multi-asset mixes, an all-equity portfolio tends to respond more strongly to economic and earnings cycles. The lack of other asset classes also means there is little built-in cushion from traditionally steadier areas like high-quality bonds when stock markets fall, so portfolio ups and downs are largely tied to equity behavior.

Sectors Info

  • Technology
    44%
  • Telecommunications
    8%
  • Consumer Discretionary
    7%
  • Financials
    5%
  • Health Care
    4%
  • Industrials
    4%
  • Consumer Staples
    3%
  • Energy
    1%
  • Utilities
    1%
  • Basic Materials
    1%
  • Real Estate
    1%

Sector data shows a strong tilt toward technology at 44% of the portfolio, with the rest spread across areas like telecommunications, consumer discretionary, financials, healthcare, and industrials in relatively small slices. That tech focus aligns with the presence of Nasdaq and semiconductor ETFs, which naturally cluster in innovative, growth-driven businesses. Sector concentration matters because different parts of the market react differently to interest rates, regulation, and economic news. Tech-heavy portfolios can do very well when innovation and growth are rewarded, but they often see sharper pullbacks when rates rise or sentiment shifts away from growth. Here, the lean toward technology is a defining characteristic and a key driver of both performance strength and volatility.

Regions Info

  • North America
    77%
  • Asia Developed
    1%
  • Europe Developed
    1%

Geographically, about 77% of the portfolio is in North America, with only minor exposure to developed Asia and Europe. That means the portfolio’s fortunes are closely linked to the US economy, policy decisions, and dollar movements. Many large US companies are global operators, so some overseas economic exposure is indirect, but the ownership is still concentrated in one region’s stock market. Compared with global benchmarks that spread meaningfully across many countries, this portfolio is clearly US-centric. That alignment with the US market has historically worked well during periods when US large caps have outperformed international peers. It also means that if US equities go through a weaker patch, there is relatively little offset from other regions.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    25%
  • Mid-cap
    10%

Market cap breakdown shows a strong tilt toward the largest companies: roughly 43% in mega caps and 25% in large caps, with 10% in mid caps. Mega caps are the very largest companies by stock market value, often global giants with diversified business lines and strong balance sheets. Portfolios dominated by these names tend to be more stable than those packed with smaller, more speculative firms, but they can be more tied to broad index moves. The limited mid-cap exposure adds a bit of extra growth potential and volatility but doesn’t dominate behavior. Overall, this structure aligns closely with many mainstream large-cap benchmarks, helping explain why the portfolio’s patterns resemble broad US market movements, just with a growth and tech twist.

True holdings Info

  • Microsoft Corporation
    11.15%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • SPDR S&P 500 ETF Trust
    • State Street® SPDR® Portfolio S&P 500® ETF
    Direct holding 7.00%
  • Apple Inc
    8.40%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • SPDR S&P 500 ETF Trust
    • State Street® SPDR® Portfolio S&P 500® ETF
    Direct holding 3.00%
  • NVIDIA Corporation
    8.36%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • SPDR S&P 500 ETF Trust
    • State Street® SPDR® Portfolio S&P 500® ETF
    • VanEck Semiconductor ETF
  • Broadcom Inc
    3.29%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • SPDR S&P 500 ETF Trust
    • State Street® SPDR® Portfolio S&P 500® ETF
    • VanEck Semiconductor ETF
  • Amazon.com Inc
    3.28%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • SPDR S&P 500 ETF Trust
    • State Street® SPDR® Portfolio S&P 500® ETF
  • Alphabet Inc Class A
    2.59%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • SPDR S&P 500 ETF Trust
    • State Street® SPDR® Portfolio S&P 500® ETF
  • Alphabet Inc Class C
    2.16%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • SPDR S&P 500 ETF Trust
    • State Street® SPDR® Portfolio S&P 500® ETF
  • Meta Platforms Inc.
    2.13%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • SPDR S&P 500 ETF Trust
    • State Street® SPDR® Portfolio S&P 500® ETF
  • Tesla Inc
    1.81%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • LS 1x Tesla Tracker ETP Securities GBP
    • SPDR S&P 500 ETF Trust
    • State Street® SPDR® Portfolio S&P 500® ETF
  • Taiwan Semiconductor Manufacturing
    1.06%
    Part of fund(s):
    • VanEck Semiconductor ETF
  • Top 10 total 44.23%

Looking through the ETFs to their top holdings, there is notable overlap around a handful of big names. Microsoft totals about 11.15% of the portfolio once ETF exposure and the direct 7% holding are combined. Apple reaches 8.4% in the same way. NVIDIA, at 8.36% via ETFs only, also stands out, alongside other large positions like Broadcom, Amazon, Alphabet, Meta, Tesla, and TSMC. This kind of overlap creates hidden concentration: even though there are multiple funds, several of them own the same leading companies. It’s worth keeping in mind that overlap is probably understated here because only top-10 ETF holdings were used, so actual exposure to these giants could be higher than the visible numbers suggest.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 100%
Size
Exposure to smaller companies
Low
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Neutral
Data availability: 100%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure shows mild tilts away from value and size, with both in the “low” range. Factors are like underlying style flavors that help explain why investments behave the way they do over time. A low value score means a lean toward higher-priced, growth-oriented companies rather than cheaper, income-focused ones. A low size score points to an emphasis on larger firms over smaller ones. Momentum, quality, yield, and low volatility sit around neutral, suggesting the portfolio behaves broadly like the market on those dimensions. Combined with the tech and mega-cap focus, this pattern is consistent with a growth-heavy, large-company profile that may shine when growth stocks lead and lag when cheaper, value-oriented areas are in favor.

Risk contribution Info

  • SPDR S&P 500 ETF Trust
    Weight: 39.00%
    33.2%
  • State Street® SPDR® Portfolio S&P 500® ETF
    Weight: 21.00%
    17.6%
  • VanEck Semiconductor ETF
    Weight: 10.00%
    15.9%
  • Invesco QQQ Trust
    Weight: 11.00%
    12.4%
  • Invesco NASDAQ 100 ETF
    Weight: 9.00%
    10.1%
  • Top 5 risk contribution 89.3%

Risk contribution data shows that the two S&P 500 ETFs plus the semiconductor ETF together drive about two-thirds of total portfolio risk. Risk contribution measures how much each holding adds to overall ups and downs, which can differ from its weight. For example, the semiconductor ETF is 10% of the portfolio but contributes around 15.85% of the risk, with a risk/weight ratio of 1.58. That highlights how a relatively small, more volatile slice can punch above its weight in shaping day-to-day fluctuations. In contrast, the large S&P 500 positions have risk contributions slightly below their weights, behaving as comparatively steadier anchors. This mix creates a solid core with a more aggressive satellite around semiconductors and growth.

Redundant positions Info

  • Invesco QQQ Trust
    Invesco NASDAQ 100 ETF
    High correlation
  • SPDR S&P 500 ETF Trust
    State Street® SPDR® Portfolio S&P 500® ETF
    High correlation

Correlation data points out two pairs of almost perfectly linked holdings: the two Nasdaq 100 ETFs move very similarly to each other, and the two S&P 500 ETFs do the same. Correlation measures how often investments move together; near-1 correlations mean they tend to rise and fall in tandem. High correlation within a portfolio doesn’t make it “bad,” but it does limit diversification benefits during market stress because multiple positions can drop at the same time. Here, those pairs effectively behave like single building blocks from a risk and return perspective. That reinforces that, despite seven line items, the portfolio is driven by a handful of underlying index exposures rather than many independent, offsetting 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 risk–return chart, the current portfolio sits below the efficient frontier by about 1.6 percentage points at its current risk level. The efficient frontier is the curve showing the best trade-offs between risk (volatility) and return using just these holdings with different weightings. The portfolio’s Sharpe ratio, at 0.73, trails both the minimum-variance portfolio (0.88) and the maximum-Sharpe mix (1.0). The Sharpe ratio compares excess return to volatility, like measuring how much return you’re getting per unit of bumpiness. Being below the frontier suggests that, purely in mathematical terms, a different combination of the same funds and stocks could historically have delivered better risk-adjusted results without adding new investments.

Dividends Info

  • Apple Inc 0.40%
  • Microsoft Corporation 0.80%
  • Invesco QQQ Trust 0.40%
  • Invesco NASDAQ 100 ETF 0.50%
  • VanEck Semiconductor ETF 0.20%
  • SPDR S&P 500 ETF Trust 0.80%
  • State Street® SPDR® Portfolio S&P 500® ETF 1.10%
  • Weighted yield (per year) 0.72%

The overall dividend yield comes in at about 0.72% a year, with individual holdings mostly below or around 1%. Yield is the annual cash payout as a percentage of price, similar to the interest on a savings account, but not guaranteed and tied to company profits and policies. This is modest compared with more income-focused portfolios, which would hold more high-yield stocks or dividend-oriented funds. Here, dividends are a minor contributor to total return; most of the historical gains have come from price appreciation in growth and tech names. For investors relying on regular cash distributions, that context is important. For those focused on total growth, low yield simply reflects the portfolio’s growth-oriented character.

Ongoing product costs Info

  • Invesco QQQ Trust 0.20%
  • Invesco NASDAQ 100 ETF 0.15%
  • VanEck Semiconductor ETF 0.35%
  • SPDR S&P 500 ETF Trust 0.10%
  • Weighted costs total (per year) 0.11%

The total expense ratio (TER) for the ETF portion is about 0.11% per year, which is impressively low. TER captures the annual fund operating costs as a slice of invested assets, silently deducted within each ETF. Keeping this number small leaves more of any market return in the investor’s pocket. Individual fund fees range from 0.10% for the main S&P 500 ETF to 0.35% for the semiconductor ETF, which is typical for a more specialized strategy. Overall, these costs compare favorably with many actively managed funds and even with some index products. From a cost perspective, the portfolio is well-structured and aligned with best practices for long-term, low-friction compounding.

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