A concentrated us growth heavy portfolio with strong historic returns and very low global diversification

Report created on Jan 10, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

This portfolio is almost entirely in stocks, with a very heavy tilt toward one growth ETF and two broad US market ETFs that overlap a lot. The rest are tiny “satellite” positions that barely move the needle. This structure matters because overlap means you may think you’re diversified when you’re really just holding the same underlying companies in different wrappers. The overall mix is clearly growth-focused and equity-only, which fits an aggressive stance but not a balanced one. Streamlining overlapping positions and deciding whether the big growth tilt is intentional can make the structure clearer and easier to manage over time.

Growth Info

Historically, this mix has done extremely well: an 18.3% CAGR (Compound Annual Growth Rate) means a hypothetical $10,000 could have grown to about $52,000 over ten years if that rate persisted. CAGR is like your “average speed” on a long road trip, smoothing out bumps. The max drawdown of about -33% shows that big drops can and did happen, which is typical for equity-heavy growth portfolios. Also, 90% of returns coming from just 22 days highlights how missing a few strong days can massively change results. It’s crucial to remember past performance can’t guarantee anything going forward, especially for growth-oriented portfolios.

Projection Info

The Monte Carlo analysis, which runs many random “what if” paths using historical stats, shows a wide range of futures. Here, 1,000 simulations suggest a median outcome of roughly 439% growth, with more optimistic paths far higher and a 5th percentile around -25%. Monte Carlo is like simulating thousands of alternate timelines using past volatility and returns as a guide. It helps visualize risk and upside, but it is still based on history and assumptions. Those numbers imply high potential reward along with meaningful downside risk. Treat these projections as rough scenarios, not promises, and check whether you’re emotionally and financially ready for the rougher paths.

Asset classes Info

  • Stocks
    100%

All assets here are equities: 100% stock, 0% bonds, 0% cash, 0% alternatives. This is a textbook growth-oriented setup, which can be powerful over long horizons but demanding during crashes. Asset classes behave differently—bonds and cash often cushion stocks in downturns—so mixing them typically reduces big swings. The current structure maximizes equity exposure and long-term growth potential, but at the cost of resilience. For someone who might later value smoother rides or income, introducing even a modest slice of lower-volatility assets could help. For a long-term investor fully comfortable with equity risk, maintaining a clear all-stock strategy is reasonable, as long as that risk is truly understood.

Sectors Info

  • Technology
    43%
  • Telecommunications
    14%
  • Financials
    11%
  • Consumer Discretionary
    10%
  • Health Care
    8%
  • Industrials
    7%
  • Consumer Staples
    2%
  • Real Estate
    1%
  • Utilities
    1%
  • Energy
    1%
  • Basic Materials
    1%

Sector-wise, this portfolio is strongly tilted toward technology and communication services, with meaningful exposure to financials, consumer cyclicals, healthcare, and industrials, and much smaller stakes elsewhere. This resembles common US growth benchmarks, which have become tech-heavy as large, innovative companies have grown dramatically. That alignment with broad US growth standards is good for capturing market leaders, but it also means more sensitivity to things like interest rate spikes or tech sentiment reversals. If the tech and communication tilt is intentional, it’s doing its job. If not, gradually nudging toward a more even sector mix can reduce the risk of one theme driving your entire experience.

Regions Info

  • North America
    99%
  • Europe Developed
    1%

Geographically, this portfolio is essentially a US-only story: about 99% North America, with almost no exposure to other regions. Many global benchmarks typically include a more meaningful slice of developed ex-US and some emerging markets. Being heavily US-focused has actually been a tailwind over the last decade, so this alignment with US dominance has paid off. But it does tie your fortunes to one country’s economic and policy environment. Even a modest increase in non-US exposure can add diversification, since different regions can perform well at different times. Keeping a core tilt toward the US is fine; just be aware how little the rest of the world currently contributes here.

Market capitalization Info

  • Mega-cap
    59%
  • Large-cap
    26%
  • Mid-cap
    10%
  • Small-cap
    4%
  • Micro-cap
    2%

By market cap, the portfolio leans hard into mega and large companies, with smaller slices in mid, small, and micro caps. This is very similar to standard US market-cap-weighted benchmarks and is a solid, mainstream structure that captures leading companies while still giving some exposure to smaller names. Big and mega caps usually bring more stability and liquidity, whereas small caps can add both extra upside and extra volatility. This balance is actually quite healthy and aligned with global norms. If more growth potential is desired, slightly raising the smaller-cap share could help, but the current tilt toward the giants already provides a strong, benchmark-like core.

Redundant positions Info

  • iShares S&P Mid-Cap 400 Value ETF
    iShares Core S&P Small-Cap ETF
    High correlation
  • iShares Core S&P Total U.S. Stock Market ETF
    iShares S&P 500 Growth ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The holdings fall into two highly correlated groups: the main US growth and total-market ETFs move very similarly, and the mid and small-cap ETFs also move closely together. Correlation, in simple terms, measures how often things zig and zag at the same time; when it’s high, spreading money across those assets doesn’t add much true diversification. Here, that means you’re paying for and tracking multiple funds that mostly own the same stocks. The portfolio still behaves like one big US growth basket. Trimming overlapping funds and consolidating into a smaller set of distinct building blocks can make the risk profile cleaner without sacrificing the core exposure you want.

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.

From an Efficient Frontier perspective, this portfolio could likely be tuned further. The Efficient Frontier is the set of portfolios that give the best possible trade-off between risk and return using your existing building blocks. Efficiency here doesn’t mean “most diversified” or “safest,” but “best bang for your buck” in terms of return per unit of volatility. Because several ETFs are highly correlated and overlapping, there’s room to reweight or remove some positions while keeping the same general style. Doing so could slightly improve the risk–return ratio, mainly by cutting redundancy and dialing in the balance between broad market exposure and more aggressive growth tilts.

Dividends Info

  • iShares S&P Mid-Cap 400 Value ETF 1.70%
  • iShares Core S&P Small-Cap ETF 1.40%
  • iShares Core S&P Total U.S. Stock Market ETF 1.10%
  • iShares S&P 500 Growth ETF 0.40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 3.10%
  • Vanguard High Dividend Yield Index Fund ETF Shares 2.40%
  • Weighted yield (per year) 0.66%

The total dividend yield is quite low at about 0.66%, which is exactly what you’d expect from a growth-centered, US-heavy portfolio. Growth companies often reinvest profits rather than pay big dividends, aiming for share price appreciation instead of current income. The higher-yield and international funds are too small here to meaningfully lift the overall payout. This setup fits someone who prioritizes long-term capital growth over regular cash flow. If future income becomes a bigger goal—say for retirement spending—one option would be slowly increasing allocations to funds or strategies with steadier dividend streams, while still keeping a healthy growth engine in place for inflation protection.

Ongoing product costs Info

  • iShares S&P Mid-Cap 400 Value ETF 0.18%
  • iShares Core S&P Small-Cap ETF 0.06%
  • iShares Core S&P Total U.S. Stock Market ETF 0.03%
  • iShares S&P 500 Growth ETF 0.18%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Vanguard High Dividend Yield Index Fund ETF Shares 0.06%
  • Weighted costs total (per year) 0.14%

The overall cost level is impressively low, with a blended TER around 0.14%. TER (Total Expense Ratio) is like a small annual membership fee charged as a percentage of your invested amount. Low fees are a big deal because they compound quietly in your favor over decades, leaving more of the returns in your pocket. The mix of low-cost core index funds from reputable providers is a clear strength and lines up nicely with best practices for long-term investors. At this point, the bigger wins likely come from simplifying overlap and refining allocation, not from squeezing a few extra basis points out of fees.

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