Focused growth portfolio using broad index funds and a momentum tilt for added return potential
Report created on Apr 1, 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.
What type of investor this portfolio is suitable for
Growth Investors
An investor suited to this kind of setup is comfortable with meaningful stock market volatility in pursuit of strong long‑term growth. They likely have a multi‑decade horizon, such as saving for retirement far in the future or building generational wealth, and don’t rely on their portfolio for near‑term spending needs. A higher risk tolerance and the emotional ability to sit through 30–40% drawdowns without panicking are key traits. They tend to value simplicity, broad diversification through index funds, and low costs, while being okay with a US‑centric stance. Income is a secondary concern; reinvesting modest dividends to compound over time fits their goals better than maximizing current cash flow.
Positions
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VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 70.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 20.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10.00%
This portfolio is built entirely from three stock ETFs, with a heavy tilt to the US. About 70% sits in a total US stock fund, 20% in a momentum-style US fund, and 10% in a broad international fund. So you’ve basically got “the whole US market,” a performance-chasing overlay, and a smaller slice of the rest of the world. Structurally this is simple, transparent, and easy to manage, which is a real strength. The main implication is that returns will be driven mostly by US stocks and equity markets in general. Anyone using a setup like this should be comfortable with stock market ups and downs and a clear growth‑first mindset.
Growth
From 2016 to early 2026, a $1,000 investment grew to about $3,684, an annualized return (CAGR) of 15.96%. CAGR, or Compound Annual Growth Rate, is like the steady speed your money would have needed to grow each year to reach that final value. This slightly beat the US market and clearly outpaced the global market, which is impressive. The worst peak‑to‑trough drop was around –34%, broadly in line with major benchmarks, showing meaningful volatility but not wildly excessive. Also, 90% of returns came from just 32 days, underlining how missing a few big days could really hurt outcomes. As always, past performance is no guarantee of future results.
Projection
The Monte Carlo simulation projects many possible futures using past return and volatility patterns to randomize paths. Think of it as re‑rolling history 1,000 different ways to see a range of potential outcomes, not a single prediction. Over 15 years, the median outcome turns $1,000 into about $2,647, with a wide “middle range” from roughly $1,718 to $3,976 and more extreme outcomes stretching from about $968 to $7,742. The average annualized return across all simulations lands around 7.82%, and roughly 72% of paths end positive. These results highlight both the attractive growth potential and the real risk of long flat or negative stretches. Simulations are still based on history, so they can’t foresee new regimes or shocks.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with 0% in bonds, cash, or alternatives. That creates a clean, growth‑oriented profile and avoids complexity, but it also means there’s no built‑in cushion during equity bear markets. Versus a traditional mixed stock‑bond blend, this setup will usually swing more in both directions: larger gains in bull markets and deeper drops when things turn. For someone with a long horizon, steady income, and strong risk tolerance, this can be reasonable. For shorter‑term needs or anyone who struggles to sit through big drawdowns, adding some defensive assets outside this structure might lower stress, even if it trims return potential a bit.
Sectors
- Technology 32%
- Financials 12%
- Industrials 12%
- Health Care 10%
- Telecommunications 9%
- Consumer Discretionary 8%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is notably tilted toward technology at 32%, with financials and industrials next at 12% each, and health care at 10%. Smaller slices go to telecom, consumer areas, energy, materials, utilities, and real estate. Compared with broad global norms, that tech weight is elevated, which lines up with the US and momentum focus. This can be powerful when innovation and growth stocks are in favor, as recent years have often shown. But it also means performance is more sensitive to interest rates, regulation, and sentiment toward high‑growth companies. A setup like this is fine for a growth investor, as long as there’s awareness that tech‑driven portfolios can be more jumpy when markets rotate or rates move up.
Regions
- North America 90%
- Europe Developed 4%
- Japan 2%
- Asia Emerging 2%
- Asia Developed 1%
Geographically, about 90% is in North America, with modest allocations to developed Europe, Japan, and small stakes in developed and emerging Asia. That’s more US‑centric than global equity benchmarks, which usually give non‑US markets a much larger share. This concentration has helped over the last decade, because US stocks have beaten many other regions. But it also means results are heavily tied to the US economy, corporate earnings, policy, and the dollar. If non‑US markets or currencies lead for a stretch, this setup might lag. The structure is still reasonably diversified, just not globally balanced. Anyone using a profile like this should be comfortable with a strong home‑country bias in their equity risk.
Market capitalization
- Mega-cap 41%
- Large-cap 34%
- Mid-cap 17%
- Small-cap 5%
- Micro-cap 2%
Market‑cap exposure leans heavily to the largest companies: about 41% mega‑cap and 34% large‑cap, with 17% mid‑cap and smaller slices in small and micro‑caps. This mirrors broad US and international indexes, where the biggest companies dominate. The advantage is stability and liquidity: mega‑caps tend to be more established, widely researched, and easier to trade. The tradeoff is that returns will track big‑company cycles more than the sometimes higher‑octane moves in smaller stocks. Having at least some mid and small‑cap exposure is helpful for diversification and long‑term growth, and this portfolio does that while keeping the core anchored in the giants. That’s a sensible structure for many growth‑oriented investors.
True holdings
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NV NVIDIA Corporation 6.18%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 4.12%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.09%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 3.01%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.88%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 2.28%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.14%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.49%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.20%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
JN Johnson & Johnson 1.10%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Top 10 total 27.49%
Looking through the ETFs, the biggest underlying positions are familiar mega‑cap names like NVIDIA, Apple, Microsoft, Broadcom, Alphabet, Amazon, and Meta. These appear via multiple funds, especially the US‑focused and momentum ETF, so there’s hidden concentration even if no single stock is held directly. For instance, NVIDIA alone is over 6% of total exposure within the top‑10 coverage slice, and several other big tech names cluster close behind. This kind of overlap is normal with broad US and momentum funds, but it does increase dependence on a relatively small group of giants. Even though only ETF top‑10 holdings are shown, it still signals a strong reliance on a handful of large growth‑oriented companies.
Factors
Factor exposure is very balanced. All six major factors — value, size, momentum, quality, yield, and low volatility — sit near the “neutral” 50% mark, meaning the overall portfolio behaves like the broad market rather than leaning hard into any specific style. Factor investing targets traits like cheapness (value), recent winners (momentum), or stability (low volatility) that research links to returns. Here, even with a dedicated momentum ETF, the mix of broad total‑market funds keeps the net exposures fairly even. The benefit is that performance shouldn’t be overly dependent on any single style cycle. When one factor is out of favor, others may offset it, leading to a smoother ride relative to more aggressively tilted strategies.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 70.00% 70.9% -
Invesco S&P 500® Momentum ETF
Weight: 20.00% 20.9% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 10.00% 8.2%
Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ from simple weights. Here, the total US stock fund is 70% of the weight and contributes about 71% of total risk, almost one‑for‑one. The momentum ETF at 20% weight contributes just under 21% of risk, slightly more than its size due to its more concentrated, higher‑beta profile. The international fund at 10% weight contributes only about 8% of risk, helped by diversification across regions and imperfect correlation with US stocks. Overall, risk is reasonably aligned with allocations, and there’s no single fund wildly dominating volatility. Rebalancing around these weights would likely keep the risk profile consistent over time.
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.
Sharpe ratios in this chart use the active CMA risk-free rate of 4.00% annualized.
Click on the colored dots to explore allocations.
The risk‑return chart shows the current portfolio sitting right on or very close to the efficient frontier. The efficient frontier is the curve of best possible returns for each level of risk using just the existing holdings in different mixes. The current Sharpe ratio — a measure of return per unit of risk — is 0.66, similar to the lowest‑risk mix and only below the mathematically optimal Sharpe of 0.90, which uses a slightly riskier, higher‑return combination. Since the portfolio is already essentially on the frontier, its risk/return trade‑off is efficient for this set of ETFs. That’s a positive sign: within these holdings, there’s no obvious structural “waste” in how risk is being used.
Dividends
- Invesco S&P 500® Momentum ETF 0.90%
- Vanguard Total Stock Market Index Fund ETF Shares 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- Weighted yield (per year) 1.32%
The overall dividend yield sits around 1.32%, with the international fund providing the highest yield at 3.0%, the US total market about 1.2%, and the momentum ETF just 0.9%. That’s a fairly modest income profile, very much in line with a growth‑oriented, US‑heavy equity portfolio. Dividends are the cash payments companies share with investors, and they form one component of total return alongside price gains. Here, the growth story is more about capital appreciation than cash flow. For investors who don’t need current income and are focused on long‑term compounding, a lower‑yield profile like this can still be attractive, especially if dividends are reinvested to buy more shares over time.
Ongoing product costs
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.05%
Costs are impressively low. The total expense ratio (TER) across the three funds averages about 0.05% per year. TER is the annual fee charged by a fund, taken out of returns in the background, like a tiny ongoing service charge. For context, many actively managed funds charge 0.5%–1% or more, so 0.05% is extremely efficient. Over decades, saving even half a percent per year can translate into thousands of extra dollars, so this lean cost base is a real competitive advantage. It means more of the market’s return stays in the investor’s pocket, which is especially important for a growth strategy expected to be held over long periods.
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