High growth stock portfolio with strong US bias and concentrated active mutual fund exposure
Report created on May 5, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
AG GROWTH FUND OF AMERICA CLASS A
AGTHX - US3998741066 89.02% -
AN NEW PERSPECTIVE FUND CLASS A
ANWPX - US6480181097 10.16% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 0.82%
This portfolio is almost entirely in stocks, held through two actively managed mutual funds and one ETF. One growth-focused mutual fund dominates with about 89% of the weight, while a global equity mutual fund makes up most of the rest. The small ETF slice tracks a concentrated index of large US growth companies. Structurally, this is a focused, high‑equity mix with very little in bonds or cash-like assets. That setup matters because stocks typically drive both long‑term growth and most of the ups and downs along the way. The heavy reliance on just a couple of active funds means results depend a lot on how those specific managers and styles perform over time.
Growth
From late 2020 to May 2026, $1,000 in this portfolio grew to about $1,884, a compound annual growth rate (CAGR) of 12.13%. CAGR is like your average speed on a road trip, smoothing out bumps along the way. Over the same period, the US market grew faster at 15.45% and the global market at 13.38%, so the portfolio lagged both, especially the US benchmark. The portfolio also saw a deeper max drawdown of about -36%, versus -24% to -26% for the benchmarks, and took longer to recover. This mix has delivered solid absolute growth, but with more pronounced declines and lower returns compared with broad index benchmarks in this timeframe. Past performance doesn’t guarantee future outcomes.
Projection
The Monte Carlo projection uses thousands of simulated paths based on historical risk and return to estimate a range of future outcomes. Think of it as running the same 15‑year experiment 1,000 different ways, shuffling good and bad years around. Here, the median scenario turns $1,000 into about $2,787 after 15 years, with most simulations landing between roughly $1,825 and $4,267. The average annual return across all paths is about 8.25%. There’s also a wide possible range, from close to your starting value to several times it. These numbers highlight that stock‑heavy portfolios can compound meaningfully, but actual results can be much higher or lower than the central estimate because future markets rarely follow the past exactly.
Asset classes
- Stocks 99%
- Not classified 1%
Almost 99% of this portfolio is in stocks, with just a tiny slice not classified by the data provider. That means the overall behavior is going to be very equity‑like: sensitive to company earnings, valuations, and the economic cycle, with larger swings than portfolios that mix in bonds or cash. Many broad “growth” portfolios do lean heavily to stocks, so this structure is consistent with that label. The flip side is limited ballast from defensive asset classes when markets drop. For anyone tracking risk, most of the volatility and returns will be driven by the equity markets rather than by diversification across fundamentally different asset types.
Sectors
- Technology 35%
- Consumer Discretionary 15%
- Telecommunications 14%
- Health Care 12%
- Industrials 9%
- Financials 8%
- Consumer Staples 2%
- Energy 2%
- Basic Materials 2%
This breakdown covers the equity portion of your portfolio only.
Sector‑wise, technology stands out at about 35%, with meaningful exposure also to consumer discretionary, telecom, health care, and industrials. Technology and other growth‑oriented sectors together make up a large share, which is common for growth‑tilted strategies but tends to increase sensitivity to changes in interest rates, innovation cycles, and investor sentiment around “future growth” stories. More cyclical or defensive areas like consumer staples, energy, and basic materials have only small weights. Compared with broad global benchmarks, this layout leans more toward growth and innovation themes and less toward the steadier, cash‑flow‑heavy sectors that can sometimes cushion downturns.
Regions
- North America 90%
- Europe Developed 5%
- Asia Developed 3%
- Japan 1%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, the portfolio is heavily tilted toward North America at around 90%, with only modest exposure to developed Europe, developed Asia, Japan, and Latin America. Many global market indices currently give the US a large share, but this portfolio goes even further in that direction. The upside is clear alignment with US corporate earnings and the dollar, which have been strong drivers of returns in recent years. The trade‑off is that economic, political, or currency shocks specific to North America will strongly shape outcomes, while many other regions’ opportunities and risks play only a minor role in overall performance.
Market capitalization
- Mega-cap 48%
- Large-cap 26%
- Mid-cap 20%
- Small-cap 2%
This breakdown covers the equity portion of your portfolio only.
By market capitalization, almost half of the portfolio sits in mega‑cap companies, with another quarter in large caps and around 20% in mid caps. Small caps are only a tiny portion. This pattern is fairly typical of broad equity funds, which naturally concentrate in the biggest, most liquid companies. Large and mega caps often bring more stable business models and deeper markets, which can reduce company‑specific risk. However, it also means the portfolio’s behavior is closely tied to the largest global franchises, and less to smaller, more domestically focused or earlier‑stage firms that can move very differently in certain parts of the cycle.
True holdings
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NV NVIDIA Corporation 0.07%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AA Apple Inc 0.06%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
MS Microsoft Corporation 0.04%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AM Amazon.com Inc 0.04%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
GO Alphabet Inc Class A 0.03%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
GO Alphabet Inc Class C 0.03%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AV Broadcom Inc 0.03%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
TS Tesla Inc 0.03%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
-
ME Meta Platforms Inc. 0.03%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
WM Walmart Inc. 0.03%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 0.38%
This breakdown covers the equity portion of your portfolio only.
The look‑through data only covers a small slice of the portfolio, but within that view, familiar US tech and consumer giants like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Tesla, and Meta appear. Each is a very small percentage individually based on the ETF top‑10 data, but they hint at overlap across funds, especially around big growth names. Overlap means the same companies can influence performance more than they appear to from just top‑level fund weights. Because only a fraction of holdings are visible through this lens, hidden concentration could be higher than shown, particularly if the mutual funds also own many of the same large, popular stocks.
Factors
Factor exposures show mild tilts away from value, quality, and yield, with size, momentum, and low volatility close to neutral. Factors are like underlying “traits” that help explain why groups of stocks behave the way they do over time. A low value exposure means the portfolio leans less toward cheaper, out‑of‑favor companies and more toward higher‑priced growth names. Low quality suggests less emphasis on consistently profitable, financially robust firms. Low yield aligns with the growth style, favoring companies that reinvest rather than pay high dividends. Together, these tilts point to a return profile that may shine when growth companies lead, but can lag when investors favor cheaper, higher‑quality, or more income‑focused stocks.
Risk contribution
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GROWTH FUND OF AMERICA CLASS A
Weight: 89.02% 90.5% -
NEW PERSPECTIVE FUND CLASS A
Weight: 10.16% 8.6% -
Invesco NASDAQ 100 ETF
Weight: 0.82% 0.9%
Risk contribution data shows the main growth mutual fund, at 89% weight, drives about 90% of the portfolio’s overall volatility. Risk contribution measures how much each holding adds to the total “ups and downs,” which can be different from its simple weight. Here, the dominant fund’s risk share roughly matches its size, so there isn’t an outsized hidden driver beyond what the allocation already suggests. The second mutual fund contributes slightly less risk than its weight, and the small ETF adds a tiny bit more risk than its small position. Overall, the portfolio’s risk profile is highly concentrated in one core strategy and manager.
Redundant positions
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High correlationGROWTH FUND OF AMERICA CLASS ANEW PERSPECTIVE FUND CLASS AInvesco NASDAQ 100 ETF
The correlation data shows that all three holdings move very similarly to each other. Correlation measures how often investments move in the same direction at the same time, with high correlation meaning they tend to rise and fall together. When funds are strongly correlated, combining them provides less diversification benefit than mixing assets that behave differently. Here, even though there are three separate products, they are all equity strategies heavily exposed to similar growth‑oriented themes. That means that during broad equity rallies or sell‑offs, this portfolio is likely to move largely in line as a single block, rather than experiencing offsetting moves across holdings.
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‑versus‑return chart, the current mix sits below the efficient frontier by about 2 percentage points of return at its risk level. The efficient frontier represents the best expected return for each risk level that could be achieved just by reweighting the existing holdings. The current Sharpe ratio, a measure of return per unit of risk, is 0.48, compared with 0.77 for the optimal combination and 0.62 for the minimum‑risk mix. This indicates that, based on recent data, the portfolio’s holdings could be combined in a way that offers either higher expected returns for similar volatility, or lower volatility for similar returns, without adding new products.
Dividends
- GROWTH FUND OF AMERICA CLASS A 10.40%
- NEW PERSPECTIVE FUND CLASS A 6.40%
- Invesco NASDAQ 100 ETF 0.50%
- Weighted yield (per year) 9.91%
The stated dividend yield for the portfolio is high at around 9.9%, driven mainly by the two mutual funds’ reported yields. Dividend yield is the income paid out each year as a percentage of the investment value. In stock‑heavy portfolios, dividends can be a meaningful share of total return, especially over long periods when they’re reinvested. It’s worth keeping in mind that some reported yields can be influenced by special distributions, capital gains payouts, or one‑off factors, so they may not be stable year to year. Still, in this snapshot, income is a notable component alongside price movements in shaping the overall return profile.
Ongoing product costs
- GROWTH FUND OF AMERICA CLASS A 0.59%
- NEW PERSPECTIVE FUND CLASS A 0.71%
- Invesco NASDAQ 100 ETF 0.15%
- Weighted costs total (per year) 0.60%
The portfolio’s total expense ratio (TER) is about 0.60%, mainly due to the two actively managed mutual funds at 0.59% and 0.71%, with a low‑cost ETF at 0.15% having minimal impact. TER is an annual fee taken out by the funds to cover management and operating costs, and it quietly reduces returns over time. For an actively managed, concentrated equity mix, this fee level is moderate rather than extreme. The key implication is that any performance difference versus broad, cheaper index funds needs to overcome this cost gap. When viewed over many years, even a few tenths of a percent can compound into a noticeable difference in ending wealth.
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