Growth focused stock portfolio with heavy US tilt and strong technology and semiconductor exposure

Report created on May 27, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is a concentrated, all‑equity mix built from five ETFs, with no bonds or cash. Roughly 40% sits in a broad US large‑cap fund, while the remaining 60% is split evenly across US small‑cap value, international value, the NASDAQ 100, and a focused semiconductor ETF. So there’s a core index holding plus several targeted “satellite” positions. A structure like this aims to mix broad market exposure with deliberate tilts toward specific themes and styles. In practice, that means returns are driven mainly by stocks with strong growth or value characteristics, especially in technology and smaller companies, and portfolio ups and downs will closely track equity markets rather than offering bond‑like stability.

Growth Info

Over the period from mid‑2023 to May 2026, $1,000 in this portfolio grew to about $2,041, implying a compound annual growth rate (CAGR) of 28.01%. CAGR is like the average yearly “speed” of growth over the whole trip. This beat both the US market (21.50%) and global market (20.48%) by a wide margin. The trade‑off is a max drawdown of about -21%, meaning at one point the portfolio was down that much from a prior peak before recovering in roughly two months. Only 24 days made up 90% of returns, underlining how much performance depended on a small set of strong days.

Projection Info

The Monte Carlo simulation projects many possible future paths based on historical patterns, rather than one single forecast. Starting from $1,000, the median 15‑year outcome is around $2,759, with a broad “likely” range from about $1,828 to $4,325. Monte Carlo works by randomly re‑mixing return and volatility patterns observed in the past to see how often different outcomes show up. The overall average annualized return across all simulations is 8.05%, and about three‑quarters of paths end positive. As with any simulation, results are only as reliable as the assumptions: markets rarely repeat history exactly, especially for a tech‑heavy, growth‑oriented equity mix.

Asset classes Info

  • Stocks
    100%

All of this portfolio is in stocks, with 0% in bonds, cash, or alternative assets. That creates clear, simple exposure to the equity risk premium — the extra return stocks have historically provided over safer assets — but it also means no built‑in shock absorbers during market stress. Compared with many broadly diversified portfolios that blend stocks and bonds, this structure leans heavily toward growth and capital appreciation rather than income or capital preservation. The upside is strong participation when stock markets rise; the downside is that drawdowns can be sharp and there is little internal diversification across different asset classes to cushion equity‑specific downturns.

Sectors Info

  • Technology
    40%
  • Financials
    12%
  • Consumer Discretionary
    10%
  • Industrials
    8%
  • Telecommunications
    8%
  • Energy
    6%
  • Health Care
    5%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Utilities
    1%
  • Real Estate
    1%

Sector‑wise, technology dominates at about 40%, with financials, consumer discretionary, and industrials making up much of the rest. A typical global equity benchmark tends to have a lower tech weight and more balance across areas like health care and consumer staples. The extra tilt here is amplified by the NASDAQ 100 and semiconductor ETF. Tech‑heavy portfolios can benefit strongly when innovation themes and growth stocks are in favor, but they also tend to be more sensitive to interest rate changes, regulatory news, and business cycles. This makes sector swings a major driver of overall portfolio volatility and long‑term outcomes.

Regions Info

  • North America
    85%
  • Europe Developed
    6%
  • Asia Developed
    3%
  • Japan
    2%
  • Asia Emerging
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, around 85% of the portfolio is in North America, with relatively small allocations to Europe, Japan, developed Asia, emerging markets, and other regions. This is a clear US tilt compared with global market indices, where US stocks typically make up somewhat over half of total market value. A home bias like this can work well when US companies outperform, but it also means most economic, currency, and policy risk is tied to a single region. The international value ETF adds some global diversification, yet foreign exposure remains modest, so global events are filtered mainly through how they affect North American markets.

Market capitalization Info

  • Mega-cap
    36%
  • Large-cap
    29%
  • Mid-cap
    17%
  • Small-cap
    10%
  • Micro-cap
    7%

By market cap, this portfolio spans the full spectrum: 36% in mega‑caps, 29% in large‑caps, 17% in mid‑caps, 10% in small‑caps, and 7% in micro‑caps. That’s a broader size spread than a plain large‑cap index, mainly because of the US small‑cap value ETF. Having exposure across sizes can add diversification because smaller companies often behave differently from mega‑caps, especially around economic turning points. At the same time, small and micro‑cap stocks can be more volatile and less liquid, so they can swing more dramatically. Here, the large and mega‑cap exposures still anchor the portfolio, with smaller names adding extra risk and return potential.

True holdings Info

  • NVIDIA Corporation
    5.96%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco PHLX Semiconductor ETF
    • Vanguard S&P 500 ETF
  • Apple Inc
    3.68%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    3.08%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco PHLX Semiconductor ETF
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    2.73%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    2.38%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Micron Technology Inc
    2.08%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco PHLX Semiconductor ETF
  • Alphabet Inc Class A
    2.01%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    1.67%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Advanced Micro Devices Inc
    1.41%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco PHLX Semiconductor ETF
  • Tesla Inc
    1.21%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
  • Top 10 total 26.19%

Looking through ETF top holdings, a handful of large technology and growth names stand out: NVIDIA, Apple, Broadcom, Microsoft, Amazon, Micron, Alphabet, AMD, and Tesla all appear. NVIDIA alone totals nearly 6% of the portfolio across funds, and several other names sit between 1–3%. This shows meaningful overlap across the broad US, NASDAQ 100, and semiconductor ETFs. Overlap isn’t necessarily bad, but it does reduce diversification: when these big names move, multiple parts of the portfolio move with them. Since only ETF top‑10 positions are captured, true overlap is likely higher, so actual concentration in these leaders is understated here.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 100%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 85%
Quality
Preference for financially healthy companies
Neutral
Data availability: 85%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Low
Data availability: 85%

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 exposure is broadly balanced around market‑like levels for value, size, momentum, quality, and yield, with all near the neutral 50% mark. Factor exposure describes how much the portfolio leans into traits like cheapness (value) or recent winners (momentum) that research links to long‑term returns. The one notable tilt is low volatility at 38%, a mild tilt away from calmer stocks. That aligns with the concentrated technology and small‑cap value components, which tend to be bumpier. In practice, this means the portfolio isn’t strongly engineered around classic factor strategies, but it does accept somewhat higher day‑to‑day swings than a low‑volatility approach.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 40.00%
    32.4%
  • Invesco PHLX Semiconductor ETF
    Weight: 15.00%
    27.9%
  • Invesco NASDAQ 100 ETF
    Weight: 15.00%
    15.8%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 15.00%
    14.0%
  • Avantis All International Markets Value ETF
    Weight: 15.00%
    9.9%

Risk contribution shows how much each ETF drives overall ups and downs, which can differ from simple weights. The S&P 500 ETF is 40% of the portfolio but contributes only about 32% of risk, reflecting its broad diversification. In contrast, the semiconductor ETF is 15% by weight yet contributes nearly 28% of total risk, almost double its size. The NASDAQ 100 and US small‑cap value funds roughly match their weights in risk, while the international value ETF contributes noticeably less risk than its 15% share. Overall, the top three holdings account for about 76% of portfolio risk, pointing to meaningful concentration in a few core exposures.

Redundant positions Info

  • Invesco NASDAQ 100 ETF
    Vanguard S&P 500 ETF
    High correlation

Correlation measures how often assets move in the same direction; a value close to 1 means they move almost in lockstep. Here, the NASDAQ 100 ETF and the S&P 500 ETF are flagged as highly correlated, so they tend to rise and fall together. When major pieces of a portfolio are closely linked like this, diversification benefits can be limited during broad market sell‑offs. Even though one is more growth‑oriented, both are heavily influenced by large US companies, particularly in technology. This reinforces that while the portfolio holds multiple funds, many are exposed to the same underlying market forces at the same 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.

Click on the colored dots to explore allocations.

The risk‑return chart shows the current portfolio with a Sharpe ratio of 1.23, below both the optimal Sharpe portfolio (1.52) and the minimum variance mix (1.48). The Sharpe ratio compares excess return to volatility, like asking how much “reward” comes for each unit of “bumpiness.” The current allocation also sits about 2.4 percentage points below the efficient frontier at its risk level, meaning it’s not using these specific holdings in the most efficient way. In theory, simply reweighting the same five ETFs — without adding anything new — could improve the balance between risk and return based on historical relationships.

Dividends Info

  • Avantis All International Markets Value ETF 2.80%
  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Invesco NASDAQ 100 ETF 0.40%
  • Invesco PHLX Semiconductor ETF 0.30%
  • Vanguard S&P 500 ETF 1.00%
  • Weighted yield (per year) 1.12%

The portfolio’s total dividend yield is about 1.12%, which is on the low side for an equity portfolio and reflects its growth and tech flavor. The international value ETF provides the highest yield at 2.8%, while the NASDAQ 100 and semiconductor funds yield less than 0.5%. Dividends can matter because they contribute to total return and can offer a modest income stream, but in this mix, most of the heavy lifting comes from price appreciation. This is typical for strategies that lean toward innovative, high‑growth businesses, which often reinvest profits instead of paying them out as cash dividends to shareholders.

Ongoing product costs Info

  • Avantis All International Markets Value ETF 0.34%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • Invesco PHLX Semiconductor ETF 0.19%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.15%

The weighted average TER (total expense ratio) of this portfolio is about 0.15% per year, which is impressively low given the mix of broad and specialized ETFs. TER is the ongoing annual fee charged by funds, and it quietly reduces returns over time, a bit like a small leak in a bucket. The S&P 500 ETF is very cheap at 0.03%, while the more specialized Avantis funds sit in the 0.25–0.34% range. Keeping costs near 0.15% leaves more of any market return in investors’ pockets. This cost profile is well‑aligned with best practices for long‑term, index‑heavy and rules‑based equity portfolios.

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