Concentrated US stock portfolio with strong large cap and technology exposure and historically high growth
Report created on May 22, 2026Risk profile
5/7
Diversification profile
2/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 50.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 20.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 20.00% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 10.00%
This portfolio is a four‑ETF mix that is 100% in stocks, all focused on the US market. Half is in a broad S&P 500 fund, giving exposure to many of the largest listed US companies. Another fifth tilts toward smaller US companies with a value style, while a further fifth targets the NASDAQ 100, a growth‑heavy large‑cap index. The remaining slice focuses specifically on semiconductor companies. Structurally, this means most risk and return come from equities and especially from US growth and tech areas. A simple, equity‑only structure like this is easy to follow, but it also means there is little built‑in cushioning from more defensive assets like bonds or cash.
Growth
Over the period from late 2020 to mid‑2026, $1,000 in this portfolio would have grown to about $2,799. That works out to a compound annual growth rate (CAGR) of 20.29%, clearly ahead of both the US market (15.92%) and the global market (13.62%). CAGR is like the average speed on a road trip, smoothing out the bumps along the way. The worst peak‑to‑trough drop was about -26%, similar to the global market and slightly deeper than the US market. The data also shows that 90% of returns came from just 32 days, underlining how a handful of strong days can shape long‑term results and why missing them can matter a lot.
Projection
The Monte Carlo projection uses the portfolio’s past behavior to simulate many possible 15‑year paths for a $1,000 investment. Think of it as running the same journey 1,000 times with slightly different weather each trip. The median outcome lands around $2,737, with a broad “likely” range between roughly $1,752 and $3,895. The widest band runs from about $985 to $7,520, showing both the potential upside and the possibility of ending near the starting point. The average simulated annual return is 7.84%. These simulations are informative but not promises; they assume that future patterns will rhyme with history, which real markets don’t always do.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with no allocation to bonds, cash, or alternative assets. That lines up with its “growth” risk classification and helps explain both the strong historical gains and the meaningful drawdowns. Equities are typically the main driver of long‑term returns, but they also swing more in the short term. Compared with a more mixed asset‑class blend, this structure leans harder into market growth and accepts more volatility. This is neither good nor bad on its own; it simply means that all diversification is happening within the stock universe, not between stocks and more defensive asset classes.
Sectors
- Technology 41%
- Financials 11%
- Consumer Discretionary 11%
- Telecommunications 9%
- Industrials 7%
- Health Care 6%
- Energy 6%
- Consumer Staples 5%
- Basic Materials 2%
- Utilities 1%
- Real Estate 1%
Sector exposure is clearly tilted toward technology, which makes up about 41% of the equity slice—meaningfully higher than common broad‑market benchmarks. Other sectors such as financials, consumer discretionary, telecom, and industrials appear in moderate proportions, while areas like utilities and real estate are only small slivers. A sector mix like this typically benefits when innovation‑driven and growth‑oriented businesses are leading the market, as has often been the case recently. The flip side is that if the tech cycle cools or regulation and interest‑rate shifts hit growth sectors, portfolio swings can feel more intense than in a more sector‑balanced index.
Regions
- North America 97%
- Asia Developed 1%
- Europe Developed 1%
Geographically, the portfolio is overwhelmingly concentrated in North America at about 97%, with only tiny slices in developed Europe and Asia through multinational operations. This aligns closely with the holdings list and is consistent with a US‑focused strategy. Home‑country concentration can be comfortable and has worked well during periods of US outperformance, but it also ties results heavily to one economy, currency, and policy environment. Global benchmarks are more distributed across regions, so this portfolio’s returns will differ meaningfully from “world” indices when non‑US markets go through different cycles than the US.
Market capitalization
- Mega-cap 39%
- Large-cap 28%
- Mid-cap 12%
- Small-cap 11%
- Micro-cap 9%
By market capitalization, the mix leans toward larger companies: around 39% in mega‑caps and 28% in large‑caps, with the rest spread across mid, small, and even micro‑cap stocks. This creates a blend of well‑established businesses and more nimble, smaller firms. Large and mega‑caps often bring more stability and liquidity, while smaller companies can be more volatile but also more sensitive to economic and business cycles. The presence of roughly 20% combined in small and micro‑caps means a noticeable portion of the portfolio responds strongly to changes in sentiment, which can amplify both upswings and downswings.
True holdings
-
NV NVIDIA Corporation 7.48%
Part of fund(s):- Invesco NASDAQ 100 ETF
- VanEck Semiconductor ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 4.68%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.49%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.04%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 3.01%
Part of fund(s):- Invesco NASDAQ 100 ETF
- VanEck Semiconductor ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.58%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.15%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.55%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
AM Advanced Micro Devices Inc 1.31%
Part of fund(s):- Invesco NASDAQ 100 ETF
- VanEck Semiconductor ETF
-
MU Micron Technology Inc 1.30%
Part of fund(s):- Invesco NASDAQ 100 ETF
- VanEck Semiconductor ETF
- Top 10 total 30.59%
Looking through the ETFs’ top holdings, a handful of big names drive a sizeable share of the visible exposure. NVIDIA stands out at about 7.5% of the portfolio, with Apple, Microsoft, Amazon, Broadcom, and the two Alphabet share classes also prominent. Several of these appear in more than one ETF, which creates overlap—multiple funds holding the same stock. That overlap can quietly increase concentration in those companies without it being obvious from the top‑level ETF list. Because only top‑10 ETF holdings are used, true overlap is likely higher, so these figures should be seen as a minimum estimate of concentration.
Factors
The factor profile here is broadly neutral across all six measured dimensions: value, size, momentum, quality, yield, and low volatility. Factor exposure is essentially how much a portfolio leans into certain traits that research has linked to long‑term returns—like favoring cheaper stocks (value) or steadier ones (low volatility). With all scores sitting in a “market‑like” band, this mix does not show a strong intentional tilt toward any one factor. That means its behavior is more likely to be driven by broad market, sector, and stock‑specific moves rather than systematic factor bets, which keeps the profile straightforward to interpret.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 42.5% -
Invesco NASDAQ 100 ETF
Weight: 20.00% 21.8% -
Avantis® U.S. Small Cap Value ETF
Weight: 20.00% 19.7% -
VanEck Semiconductor ETF
Weight: 10.00% 15.9%
Risk contribution looks at how much each ETF adds to the portfolio’s overall ups and downs, which can differ from simple weights. The S&P 500 fund is half the allocation and contributes about 43% of risk, slightly under its weight. The NASDAQ 100 and small‑cap value ETFs each contribute roughly in line with their 20% allocations. The standout is the semiconductor ETF: at 10% of the portfolio, it drives nearly 16% of total risk. That high risk‑to‑weight ratio reflects the volatility of the underlying companies and shows how a relatively small, concentrated sleeve can punch above its weight in shaping day‑to‑day movements.
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 analysis shows this portfolio sitting on or very close to the frontier, meaning that for its current mix of ETFs, the risk/return trade‑off is already considered efficient. The Sharpe ratio—return per unit of risk—of 0.83 is lower than the optimized mix’s 1.11, but that optimized version would also run meaningfully higher volatility. The minimum‑variance version achieves a slightly better Sharpe at lower risk, but also with a lower expected return. Overall, the chart suggests the existing allocation is making good use of the available building blocks without obvious signs of wasting risk relative to these alternatives.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco NASDAQ 100 ETF 0.40%
- VanEck Semiconductor ETF 0.20%
- Vanguard S&P 500 ETF 1.00%
- Weighted yield (per year) 0.86%
The portfolio’s total dividend yield sits around 0.86%, with most income coming from the S&P 500 and small‑cap value funds. Growth‑oriented segments such as the NASDAQ 100 and semiconductors typically pay lower dividends, choosing instead to reinvest profits into expansion, research, and development. That pattern is visible here. In a structure like this, dividends play a relatively minor role in total return compared with price changes. Over time, even modest dividends can provide a small cushion and contribute to compounding, but the main story of this portfolio is capital growth rather than ongoing cash payouts.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- VanEck Semiconductor ETF 0.35%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.13%
Average ongoing costs, measured by Total Expense Ratio (TER), are about 0.13% per year across the portfolio. That’s impressively low given the mix includes both broad market and more specialized funds. In practical terms, this means only a small slice of returns is being used to pay fund managers each year, leaving more of the performance to stay in the portfolio and compound. Cost differences of a few tenths of a percent may feel minor in the short run, but over many years they can add up. Here, the fee structure is a genuine strength and supports better long‑term efficiency.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey