Growth focused US equity portfolio with strong large cap tilt and room for efficiency gains

Report created on Jul 20, 2024

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is heavily tilted to US stocks, with 50% in a broad S&P 500 fund and 20% in a growth-heavy Nasdaq fund. The rest is spread in small-cap value, energy, materials, utilities, real estate, high dividend, and a tiny gold position. This creates a clearly growth-oriented structure with some defensive and income layers around the core. Understanding this mix matters because returns and risk come mainly from what you own most of the time, not the smaller satellites. Overall, this setup fits a growth investor who still wants a bit of diversification across styles and sectors instead of an all-in single index approach.

Growth Info

From mid-2018 to mid-2024, $1,000 grew to about $2,159, a compound annual growth rate (CAGR) of 13.25%. CAGR is like average speed on a road trip: it smooths out all the bumps into a single yearly rate. Performance roughly matched the US market (only 0.42% per year behind) and clearly beat the global market by 3.81% per year, which is a strong outcome. The max drawdown of about -34% was very similar to both benchmarks, showing stocklike downside is fully present. This history shows you’ve captured equity-style growth without taking obviously higher drawdowns than the broad market.

Asset classes Info

  • Stocks
    94%
  • Real Estate
    5%
  • No data
    1%

Asset allocation is overwhelmingly in stocks (94%), with 5% in real estate and 1% where the asset class isn’t classified. This stock-heavy mix is classic for a growth-minded investor who’s comfortable with big swings in pursuit of higher long-term returns. Real estate offers a small diversifier that can behave differently from general equities and may provide some income support. Compared with more balanced mixes that include bonds, this setup will likely fall more and recover faster in major stock bear markets. For someone with many years ahead and solid risk tolerance, this kind of equity tilt can be appropriate.

Sectors Info

  • Technology
    29%
  • Consumer Discretionary
    9%
  • Telecommunications
    9%
  • Financials
    8%
  • Energy
    8%
  • Industrials
    7%
  • Health Care
    7%
  • Real Estate
    6%
  • Basic Materials
    6%
  • Utilities
    6%
  • Consumer Staples
    5%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is broad but clearly leans toward growth-sensitive areas. Technology at 29% is the largest slice, with additional weight in consumer discretionary and telecommunications, reinforcing a “modern economy” tilt. Energy, real estate, utilities, and basic materials bring in more cyclical and defensive behavior, while financials and health care add further balance. This spread is fairly consistent with a growth-tilted US benchmark, which is a strong indicator of sensible sector diversification. Just keep in mind that tech and consumer-oriented sectors can be more volatile when interest rates rise or when investors rotate away from growth toward more defensive themes.

Regions Info

  • North America
    98%
  • Europe Developed
    1%

This breakdown covers the equity portion of your portfolio only.

Geographic exposure is almost entirely North America at 98%, with just a sliver in developed Europe. That’s very close to a “home bias” US portfolio rather than a fully global mix. This has worked well recently, since US markets have outperformed most other regions over the last decade. The flip side is that returns are tied heavily to the US economy, US interest rates, and US currency. If non-US markets lead for a stretch, this type of allocation may lag a more global blend. For someone who earns and spends in dollars, the US focus also reduces currency-related swings in everyday purchasing power.

Market capitalization Info

  • Mega-cap
    36%
  • Large-cap
    33%
  • Mid-cap
    22%
  • Small-cap
    6%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

Market cap exposure is dominated by mega-cap and large-cap companies, which together make up roughly 69% of the portfolio. These are the giants of the market—household-name firms that tend to be more stable and more widely followed by analysts. Mid-caps and smaller caps are present but clearly secondary, with only about 7% total in small and micro caps. This skew means performance will closely track big-company trends rather than the more volatile but sometimes higher-return small-cap segment. For many investors, this large-cap tilt is reassuring, as it keeps most capital in mature businesses with deep liquidity and robust information flow.

True holdings Info

  • NVIDIA Corporation
    5.50%
    Part of fund(s):
    • Invesco QQQ Trust
    • iShares Core S&P 500 ETF
  • Apple Inc
    4.77%
    Part of fund(s):
    • Invesco QQQ Trust
    • iShares Core S&P 500 ETF
  • Microsoft Corporation
    3.60%
    Part of fund(s):
    • Invesco QQQ Trust
    • iShares Core S&P 500 ETF
  • Amazon.com Inc
    2.70%
    Part of fund(s):
    • Invesco QQQ Trust
    • iShares Core S&P 500 ETF
  • Broadcom Inc
    2.28%
    Part of fund(s):
    • Invesco QQQ Trust
    • Vanguard High Dividend Yield Index Fund ETF Shares
    • iShares Core S&P 500 ETF
  • Alphabet Inc Class A
    2.21%
    Part of fund(s):
    • Invesco QQQ Trust
    • iShares Core S&P 500 ETF
  • Meta Platforms Inc.
    1.87%
    Part of fund(s):
    • Invesco QQQ Trust
    • iShares Core S&P 500 ETF
  • Alphabet Inc Class C
    1.85%
    Part of fund(s):
    • Invesco QQQ Trust
    • iShares Core S&P 500 ETF
  • Tesla Inc
    1.72%
    Part of fund(s):
    • Invesco QQQ Trust
    • LS 1x Tesla Tracker ETP Securities GBP
    • iShares Core S&P 500 ETF
  • Exxon Mobil Corp
    1.27%
    Part of fund(s):
    • Vanguard Energy Index Fund ETF Shares
    • Vanguard High Dividend Yield Index Fund ETF Shares
  • Top 10 total 27.77%

This breakdown covers the equity portion of your portfolio only.

Looking through the ETFs, a lot of risk quietly clusters in the same mega-cap tech and growth names: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, and Broadcom. Each appears in multiple funds, especially the S&P 500 and QQQ, which means your “many ETFs” are less diversified at the company level than they look. Overlap numbers are probably even higher than shown because only top-10 ETF holdings are captured. Hidden concentration like this is important: a handful of giants can drive both big gains and sharp pullbacks. Anyone using several broad US funds should assume meaningful overlap in the largest names.

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: 100%
Quality
Preference for financially healthy companies
Neutral
Data availability: 100%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposures—value, size, momentum, quality, low volatility, and yield—are all effectively neutral, hovering around the 50% mark. Factor exposure describes how much a portfolio leans into specific characteristics that decades of research have linked to returns, like cheapness (value) or consistency (quality). A neutral profile like this means you’re essentially holding the “market mix” of these traits, rather than making big bets on any one style. That’s actually a good baseline for many investors: it avoids the frustration of long periods when, say, value or momentum is out of favor. Returns will mostly reflect broad market behavior instead of factor cycles.

Risk contribution Info

  • iShares Core S&P 500 ETF
    Weight: 50.00%
    49.8%
  • Invesco QQQ Trust
    Weight: 20.00%
    22.3%
  • Vanguard Energy Index Fund ETF Shares
    Weight: 5.00%
    5.6%
  • Vanguard Small-Cap Value Index Fund ETF Shares
    Weight: 5.00%
    5.4%
  • Vanguard Materials Index Fund ETF Shares
    Weight: 5.00%
    5.1%
  • Top 5 risk contribution 88.2%

Risk contribution shows how much each holding drives overall volatility, which can differ from simple weights. Your S&P 500 ETF is 50% of the portfolio and contributes about 49.75% of the risk—almost one-for-one. QQQ is 20% of the weight but 22.32% of the risk, and energy is also a bit riskier than its 5% slice suggests. The top three holdings together generate nearly 78% of total portfolio risk, which is a meaningful concentration. This doesn’t mean anything is “wrong,” but it does mean that how these core ETFs behave—especially during corrections—will dominate your experience much more than the smaller satellite positions.

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–return chart, the current portfolio has a Sharpe ratio of 0.63 versus 0.92 for the optimal mix using the same holdings. The Sharpe ratio simply measures how much return you’re getting per unit of risk taken—higher is better. You’re also 3.14 percentage points below the efficient frontier at today’s risk level, meaning the same building blocks could be arranged in a way that delivers more return for this volatility, or similar return with less volatility. The good news: the gap is about weighting, not product choice. Fine-tuning allocations toward the optimal or minimum-variance mix could make the journey smoother.

Dividends Info

  • iShares U.S. Utilities ETF 2.10%
  • iShares Core S&P 500 ETF 1.30%
  • Invesco QQQ Trust 0.50%
  • Vanguard Materials Index Fund ETF Shares 1.50%
  • Vanguard Small-Cap Value Index Fund ETF Shares 1.30%
  • Vanguard Energy Index Fund ETF Shares 2.30%
  • Vanguard Real Estate Index Fund ETF Shares 4.00%
  • Vanguard High Dividend Yield Index Fund ETF Shares 2.40%
  • Weighted yield (per year) 1.41%

The overall dividend yield around 1.41% is modest, which is what you’d expect from a growth-oriented, US-large-cap-heavy mix. Some pieces—like the real estate, utilities, energy, and high-dividend ETFs—offer higher payouts and help lift the income profile a bit. Dividends matter because they provide a steady return stream that doesn’t depend on selling shares, which can feel comforting in volatile markets. However, with yields at this level, most of the long-term return is still coming from price growth, not income. This setup is more suited to someone focused on compounding rather than maximizing cash flow right now.

Ongoing product costs Info

  • iShares Gold Strategy 0.25%
  • iShares U.S. Utilities ETF 0.40%
  • iShares Core S&P 500 ETF 0.03%
  • Invesco QQQ Trust 0.20%
  • Vanguard Materials Index Fund ETF Shares 0.10%
  • Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard Energy Index Fund ETF Shares 0.10%
  • Vanguard Real Estate Index Fund ETF Shares 0.12%
  • Vanguard High Dividend Yield Index Fund ETF Shares 0.06%
  • Weighted costs total (per year) 0.10%

The weighted average TER of about 0.10% is impressively low. TER, or total expense ratio, is the annual fee charged by the funds, similar to a small “management toll” on your assets. Keeping costs down is one of the few things investors can fully control, and even a difference of 0.3–0.5 percentage points per year compounds meaningfully over decades. This portfolio’s fee level is firmly in best-practice territory and aligns closely with low-cost indexing standards. That cost efficiency gives more of each year’s return back to you instead of to fund managers, supporting stronger long-term compounding.

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