High growth focused stock portfolio with concentrated satellite positions and broadly diversified core funds
Report created on Apr 12, 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 65.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 16.00% -
RK Rocket Lab USA Inc.
RKLB - US7731211089 9.00% -
SO SoFi Technologies Inc.
SOFI - US83406F1021 6.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 3.00% -
FS Fidelity Select Semiconductors Portfolio
FSELX - US3163908631 1.00%
The structure is a classic “core and satellite” setup: about four-fifths in broad index funds and one-fifth in concentrated stock and niche fund bets. The core is anchored by a large US index fund plus a global ex‑US fund, giving wide exposure to world equities. Around 15% of the portfolio sits in just two individual growth names, with a small slice in small‑cap value and a semiconductor sector fund. This design matters because the broad core provides stability and market‑like behavior, while satellites drive extra risk and potential upside. The key takeaway is that most of the portfolio is sensibly diversified, but the satellites have big influence on overall behavior.
Growth
From late 2020 to early 2026, $1,000 grew to about $2,358, a compound annual growth rate (CAGR) of 17.48%. CAGR is like your average speed on a road trip, smoothing out bumps along the way. That return comfortably beat both the US market (13.51%) and global market (11.26%) over the same period. The trade‑off was a max drawdown of about -34%, deeper than both benchmarks. Max drawdown measures the worst peak‑to‑trough loss, showing how painful the ride can feel. The portfolio also relied heavily on a small set of strong days for returns. Overall, the growth has been excellent, but it came with noticeably higher downside swings.
Projection
The Monte Carlo simulation uses historical return and volatility patterns to run 1,000 “what if” paths for the next 15 years. Think of it as re‑rolling the past many times with slight variations to map a range of potential futures. The median outcome takes $1,000 to around $2,731, roughly an 8.07% annualized return across all simulations. But results vary a lot: in 90% of cases, outcomes fell roughly between $973 and $7,728. This highlights both upside potential and downside risk. Importantly, simulations are not forecasts; they are educated “maps” built from past behavior. Market regimes can change, so real‑world results may land outside these ranges.
Asset classes
- Stocks 100%
All capital is in stocks, with 0% in bonds or cash‑like assets. That provides maximum long‑term growth potential but also exposes the full portfolio to equity market ups and downs. Asset classes are like different engines in a car: stocks are the turbocharger, while bonds and cash are the brakes and shock absorbers. Having 100% in equities usually suits investors with longer horizons and strong risk tolerance, but it can be challenging emotionally in deep bear markets. The clear upside is simplicity and growth focus; the trade‑off is that there is no built‑in cushion from more defensive asset classes during severe downturns.
Sectors
- Technology 25%
- Financials 18%
- Industrials 18%
- Consumer Discretionary 9%
- Telecommunications 8%
- Health Care 8%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is fairly broad, with notable tilts. Technology, financials, and industrials together make up over 60% of the equity exposure. This is reasonably aligned with many modern equity benchmarks, where tech and related industries play a big role, so it remains within a “normal” diversified range. However, the extra satellites in semiconductors and growth names can amplify sensitivity to innovation cycles and interest‑rate conditions. When rates rise or risk appetite fades, these areas can see larger swings. The encouraging part is that exposure also spans healthcare, staples, energy, and utilities, helping avoid being a one‑theme portfolio.
Regions
- North America 85%
- Europe Developed 6%
- Japan 3%
- Asia Developed 2%
- Asia Emerging 2%
- Australasia 1%
- Africa/Middle East 1%
Geographically, the allocation is heavily tilted toward North America at about 85%, with modest slices in Europe, Japan, and the rest of the world. Many global equity benchmarks sit closer to 60–65% North America, so this is a clear home‑country tilt. This has been rewarding over the last decade as US markets outperformed many regions, but it does tie fortunes closely to one economy, currency, and policy regime. Non‑US exposure is still present and adds useful diversification, yet it plays a supporting rather than equal role. The structure favors continued US strength, which is reasonable but not the only possible future scenario.
Market capitalization
- Large-cap 43%
- Mega-cap 38%
- Mid-cap 15%
- Small-cap 3%
- Micro-cap 1%
Most holdings are in mega‑ and large‑cap companies, which together make up over 80% of the portfolio. These are typically more established, widely followed businesses with deeper liquidity and more stable earnings than tiny firms. A smaller allocation to mid‑, small‑, and micro‑caps adds some growth and diversification, helped by the small‑cap value ETF. Market cap mix influences volatility and return patterns: larger companies often move more with the broad economy, while smaller ones can be more sensitive to specific themes or business cycles. Overall, the tilt toward bigger companies aligns well with global benchmarks and supports portfolio resilience.
True holdings
-
-
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NV NVIDIA Corporation 4.76%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc 4.32%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.22%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.26%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.00%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.67%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.60%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.56%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 36.38%
Looking through the funds, the largest underlying exposures are the usual mega‑cap leaders: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, and Meta. None of these appear as individual stocks, but they repeat across multiple funds, which quietly increases concentration in those names. Because only ETF top‑10 positions are counted, real overlap is likely higher than shown. This matters because hidden overlap can make a portfolio move more like a few dominant companies than it seems from the surface tickers. The good news is that these are high‑quality, globally significant businesses, but it is worth remembering that their collective fortunes have an outsized influence on outcomes.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
Factor exposures are broadly neutral across value, size, momentum, quality, yield, and low volatility, all clustering around the 50% mark. Factor exposure describes how much a portfolio leans into traits like cheapness (value), recent winners (momentum), or stability (low volatility) that research links to returns. In this case, the pattern is very close to market‑like, meaning there are no strong bets for or against any specific factor style. That can be a strength: the portfolio is not over‑reliant on one academic “edge” working out. Instead, results should track the broad equity market’s mix of drivers, plus the extra risk from the concentrated satellites.
Risk contribution
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Vanguard S&P 500 ETF
Weight: 65.00% 48.0% -
Rocket Lab USA Inc.
Weight: 9.00% 24.0% -
SoFi Technologies Inc.
Weight: 6.00% 14.2% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 16.00% 9.8% -
Avantis® U.S. Small Cap Value ETF
Weight: 3.00% 2.5% - Top 5 risk contribution 98.5%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ a lot from simple weights. Here, the S&P 500 fund is 65% of the portfolio but only about 48% of total risk, reflecting its diversified, relatively stable nature. In contrast, Rocket Lab at 9% weight contributes around 24% of risk, and SoFi at 6% contributes over 14%. Their risk/weight ratios show they punch far above their size. This concentrated risk is not “bad,” but it means the portfolio’s day‑to‑day swings are heavily tied to just two volatile growth stocks. Position sizing is the main lever to dial that in or out.
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 efficient frontier chart compares the current mix with the best possible combinations of these same holdings. The Sharpe ratio, which measures return per unit of risk after adjusting for the risk‑free rate, is 0.75 for the current allocation. The optimal mix on this frontier has a higher Sharpe of 1.04, while the minimum‑risk mix has 0.69. The current portfolio sits about 1.29 percentage points below the frontier at its risk level, meaning there is room to improve the risk/return tradeoff just by reweighting what is already owned. The encouraging part is that it is not far off; modest tweaks could bring it closer to maximum efficiency.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Fidelity Select Semiconductors Portfolio 4.10%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.24%
The total portfolio dividend yield is about 1.24%, a modest but real contribution to returns. Yield represents cash paid out by companies, which can be reinvested or used as income. Broad index funds here sit near typical global equity yields, while the small‑cap value ETF and international fund add a bit more income, and the semiconductor fund stands out with a higher yield. For a growth‑focused investor, dividends are a side benefit rather than the main objective. The positive here is that the portfolio still generates some cash flow without sacrificing its emphasis on capital appreciation and future growth potential.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Fidelity Select Semiconductors Portfolio 0.62%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
Costs are impressively low overall, with a weighted total expense ratio around 0.04%. The two Vanguard index funds, which dominate the allocation, carry extremely low fees, setting a strong foundation. The semiconductor mutual fund is more expensive at 0.62%, but it is only 1% of the portfolio, so its impact on total costs is tiny. Fees compound over time, so even small differences can matter over decades. In this case, cost drag is minimal, which supports better long‑term performance versus higher‑fee alternatives. This is a major strength of the setup: the structure allows you to focus on asset mix and risk without worrying much about fee leakage.
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