Growth focused equity portfolio with strong technology tilt and historically high returns but notable concentration
Report created on Aug 18, 2026Risk profile
5/7
Diversification profile
3/5
Positions
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VT Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 45.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 25.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 10.00% -
ME Meta Platforms Inc.
META - US30303M1027 4.00% -
EX Expedia Group Inc.
EXPE - US30212P3038 3.00% -
KO The Coca-Cola Company
KO - US1912161007 3.00%
This portfolio is a pure equity mix anchored by a broad global stock ETF at 45%, paired with more targeted growth-leaning pieces. A quarter sits in a momentum-based US fund, 10% in US small-cap value, and 10% in a technology index ETF. Three single stocks make up the remaining 10%: Meta, Expedia, and Coca-Cola. Structurally, this is clearly a “growth investor” style setup: all in stocks, with a mix of global market exposure and sharper tilts toward specific themes and factors. The broad global ETF gives a diversified base, while the satellite positions introduce extra punch and distinct behavior versus a plain index-only approach.
Growth
Historically, this portfolio has turned $1,000 into about $3,161 from late 2019 to mid‑2026, a compound annual growth rate (CAGR) of 18.25%. CAGR is the “average speed” of growth per year over the whole period. That’s comfortably ahead of both the US market at 16.67% and the global market at 14.18%. The worst peak‑to‑trough drop was about ‑35%, very similar to the benchmarks’ drawdowns during early 2020. So far, the portfolio has delivered higher returns without noticeably deeper crashes. As always, past performance just shows how this mix handled one specific period; it doesn’t guarantee similar results in different market environments.
Projection
The Monte Carlo projection uses the portfolio’s historical behavior to simulate 1,000 possible 15‑year paths, like running many “what if?” futures. It suggests a median outcome of about $2,820 from $1,000, with a middle‑of‑the‑road range of roughly $1,768–$4,241. Extreme cases stretch from around $948 to $7,445. The average simulated annual return is 8.12%, and about 73% of paths end positive. This highlights the wide range of possible results with an all‑equity, growth‑oriented mix: outcomes cluster around healthy growth, but there’s still meaningful downside risk. These paths are based on historical patterns, which may not repeat, especially if future markets behave very differently.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash, or alternatives. That’s fully aligned with its “Growth” risk classification and explains the relatively high risk score of 5 out of 7. A 100% equity allocation typically means larger swings during market stress but also higher long‑term return potential compared to mixed stock‑bond portfolios. Compared with broad global benchmarks that include some bond exposure, this portfolio is clearly more return‑seeking and less focused on smoothing the ride. The diversification score of 3 out of 5 reflects that while there’s good stock diversification, the absence of other asset classes leaves no built‑in cushion from safer assets.
Sectors
- Technology 38%
- Financials 11%
- Industrials 10%
- Telecommunications 10%
- Consumer Discretionary 9%
- Consumer Staples 7%
- Health Care 6%
- Energy 4%
- Basic Materials 3%
- Utilities 1%
- Real Estate 1%
Sector‑wise, technology stands out at 38%, well above what broad global equity benchmarks usually hold. Financials, industrials, telecoms, and consumer areas follow in single‑digit or low‑double‑digit ranges, with smaller allocations to energy, materials, utilities, and real estate. This strong tech tilt is consistent with the dedicated technology ETF and the high‑growth bias from momentum and Meta. Tech‑heavy portfolios often benefit in periods of innovation enthusiasm and lower interest rates, but they can feel sharper declines when growth stocks fall out of favor or rates rise. On the plus side, the smaller allocations across other sectors still provide some buffer if tech goes through a rough patch.
Regions
- North America 84%
- Europe Developed 6%
- Asia Developed 3%
- Japan 3%
- Asia Emerging 2%
- Australasia 1%
- Latin America 1%
- Africa/Middle East 1%
Geographically, the portfolio is heavily tilted to North America at 84%, with modest slices in developed Europe and Asia, Japan, and small positions across emerging regions. Global equity benchmarks usually have a large but somewhat lower North American share, so this mix is clearly US‑centric. That’s been beneficial over the last decade, as US markets, especially growth and tech names, have outpaced many other regions. The flip side is that economic, policy, or currency shocks centered in the US would have a big impact here. The smaller non‑US stakes still add some global flavor, but they don’t fully mirror the breadth of worldwide stock markets.
Market capitalization
- Mega-cap 41%
- Large-cap 32%
- Mid-cap 12%
- Small-cap 8%
- Micro-cap 6%
By market cap, this portfolio leans toward bigger companies, with 41% in mega‑caps and 32% in large‑caps, while mid‑caps, small‑caps, and micro‑caps together make up about a third. That’s directionally similar to global equity indices, which are also dominated by large companies, but the explicit small‑cap value ETF and direct holdings like Expedia push a bit more into the smaller end. Larger companies often bring more stability and liquidity, while small and micro‑caps can add return potential and extra volatility. This blend means the portfolio participates strongly in big global leaders, while still having a meaningful slice in more idiosyncratic, less‑researched parts of the market.
True holdings
-
NV NVIDIA Corporation 5.74%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
Part of fund(s):
- Vanguard Total World Stock Index Fund ETF Shares
-
AA Apple Inc. 3.34%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
-
-
MU Micron Technology Inc 2.97%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Information Technology Index Fund ETF Shares
-
AV Broadcom Inc 2.86%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
MS Microsoft Corporation 2.42%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.89%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.50%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total World Stock Index Fund ETF Shares
- Top 10 total 31.20%
Looking through the ETFs’ top holdings, NVIDIA appears as the largest underlying exposure at about 5.7%, despite no direct position. Meta totals roughly 4.5% when combining the single stock and ETF exposure, and Apple, Micron, Broadcom, Microsoft, and Alphabet all show up between about 1.5% and 3.3%. This reveals a notable cluster in leading US tech and communication names, much of it coming from index and momentum funds. Overlap is likely higher than shown because only ETF top‑10 positions are captured. Hidden concentration like this means several different funds may move similarly when these giants have big up or down days, amplifying portfolio swings.
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 across value, size, momentum, quality, yield, and low volatility all sit in the “neutral” band, with values hovering near 50%. Factor exposure describes how much a portfolio leans into certain characteristics that research has linked to returns, such as cheapness (value) or recent winners (momentum). In this case, the portfolio behaves broadly like a diversified market basket rather than strongly favoring or avoiding any single factor. That’s somewhat interesting given the presence of explicit momentum and small‑cap value funds, suggesting the big core holding and tech ETF offset those tilts. This balanced factor profile can help avoid extreme sensitivity to one particular market style.
Risk contribution
-
Vanguard Total World Stock Index Fund ETF Shares
Weight: 45.00% 40.6% -
Invesco S&P 500® Momentum ETF
Weight: 25.00% 25.4% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 10.00% 12.2% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 11.0% -
Meta Platforms Inc.
Weight: 4.00% 5.3% - Top 5 risk contribution 94.5%
Risk contribution shows how much each holding adds to the portfolio’s overall ups and downs, which isn’t always proportional to its weight. The global ETF, at 45% weight, contributes about 41% of risk, slightly less than its size, reflecting its broad diversification. The S&P 500 momentum ETF, at 25%, contributes roughly 25% of risk, lining up closely with its weight. Tech and small‑cap value ETFs each add a bit more risk than their 10% weights suggest, and Meta’s 4% position contributes over 5% of risk. Overall, the top three holdings drive more than 78% of total risk, underlining how concentrated the portfolio’s behavior is in a handful of core pieces.
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 the current portfolio delivering an annualized return of 19.35% with volatility of 20.82%, for a Sharpe ratio of 0.74. The Sharpe ratio compares return to risk after accounting for a 4% risk‑free rate; higher numbers mean better risk‑adjusted outcomes. The “optimal” mix of these same holdings has a higher Sharpe of 1.0, with slightly more risk but also higher return. The minimum‑variance version is calmer but less rewarding. Since the current portfolio sits about 2.5 percentage points below the efficient frontier, the historical data suggests that simply reweighting these existing holdings (without adding new ones) could have produced a more efficient balance between risk and reward.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.20%
- Expedia Group Inc. 0.60%
- The Coca-Cola Company 2.40%
- Meta Platforms Inc. 0.40%
- Invesco S&P 500® Momentum ETF 0.70%
- Vanguard Information Technology Index Fund ETF Shares 0.40%
- Vanguard Total World Stock Index Fund ETF Shares 1.50%
- Weighted yield (per year) 1.12%
The overall dividend yield is about 1.12%, with the global ETF around 1.5% and Coca‑Cola providing the highest single‑stock yield at about 2.4%. Yield here means the cash paid out each year as a percentage of the current value, like rental income from a property. This level of income is modest and typical for a growth‑oriented, tech‑heavy equity portfolio. Most of the expected return historically has come from price changes rather than dividends. For investors focused more on long‑term capital appreciation than immediate income, this structure aligns well: dividends add a small, steady component, but the main driver is how the underlying companies’ shares move over time.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- Weighted costs total (per year) 0.10%
Average ongoing costs are low, with a total expense ratio (TER) of about 0.10% across the ETFs. TER is the annual fee charged by a fund, expressed as a percentage of assets, and it quietly chips away at returns over time. This level is impressively low compared with many active or niche strategies and is in line with best‑in‑class index funds. Keeping costs down is one of the few things fully within an investor’s control, and here the portfolio structure supports that. Over long horizons, saving even a few tenths of a percent per year can add up to a noticeable difference in ending wealth.
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