This portfolio has only about 1.1 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.

High growth concentrated tech tilted portfolio with strong recent gains and limited diversification

Report created on May 7, 2026

Risk profile Info

6/7
Aggressive
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

This portfolio is fully invested in equities, split between broad index ETFs and a handful of focused single stocks. The largest position is a growth-oriented index ETF at almost 40%, followed by a tech index ETF and several individual growth names. A few diversified index funds provide some breadth, but a meaningful slice is in newer or more speculative companies. This structure leans heavily toward capital appreciation rather than stability or income. Because everything is stock-based, the portfolio will generally move with equity markets, but the mix of broad funds and concentrated single names can make returns more uneven, especially over short periods like the 1.1 years of data available here.

Growth Info

Over the roughly 1.1-year period, $1,000 in this portfolio grew to about $1,556, implying a very high annualized return near 50%. That’s substantially ahead of both the US and global market benchmarks over the same window. However, the portfolio also experienced a relatively deep drawdown of about -18%, larger than the benchmarks’ pullbacks. With such a short track record, these numbers mostly describe a specific market phase where growth and tech did well. They shouldn’t be read as a stable long-term pattern, since a single strong year can make the CAGR look unusually high compared with what might be sustainable.

Projection Info

The forward projection uses a Monte Carlo simulation, which basically replays variations of past return patterns thousands of times to see a range of possible futures. Here, it suggests a median outcome of about $2,656 from $1,000 over 15 years, with a wide band between roughly $979 and $7,148. The average annual return across simulations is about 7.9%. Because this portfolio only has about 1.1 years of history, the model is extrapolating from a very short and favorable period. That makes the projection much less reliable than if it were based on a full market cycle with both strong and weak years included.

Asset classes Info

  • Stocks
    100%

All holdings are in stocks, with no bonds, cash vehicles, or alternative assets in the mix. Asset classes are simply different “buckets” like equities, fixed income, and real assets that tend to react differently to economic changes. Being 100% in equities usually means more sensitivity to market swings and economic news, but also higher long-term growth potential than cash or bonds. Compared with a typical broad market or multi-asset benchmark, this allocation is quite aggressive. With only 1.1 years of data, it’s hard to see how it behaves across different environments, but structurally it is set up for larger ups and downs than a more mixed asset-class blend.

Sectors Info

  • Technology
    53%
  • Consumer Discretionary
    22%
  • Industrials
    7%
  • Telecommunications
    7%
  • Financials
    4%
  • Health Care
    4%
  • Consumer Staples
    1%
  • Energy
    1%
  • Basic Materials
    1%
  • Real Estate
    1%

Sector-wise, the portfolio is dominated by technology at around 53%, with consumer discretionary making up another 22%. The remaining sectors are spread thinly across industrials, telecom, financials, health care, and others, each in low single digits. Sector allocation matters because different industries respond differently to interest rates, inflation, and economic cycles. A tech-heavy tilt can mean strong performance during innovation-driven rallies but sharper moves during rate hikes or when growth expectations cool. This portfolio’s sector mix is much more concentrated than common broad market benchmarks, which tend to cap tech exposure at lower levels, so swings in tech sentiment will likely drive a large share of the overall behavior.

Regions Info

  • North America
    97%
  • Europe Developed
    2%
  • Asia Developed
    1%

Geographically, about 97% of the portfolio sits in North America, with only small slices in developed Europe and developed Asia. Geography can influence returns through currency moves, local economic conditions, and policy differences. Many global benchmarks allocate closer to 60%–70% to North America, with the rest across other regions, so this portfolio is strongly home-biased. That means it will closely track the fortunes of North American markets and the US dollar while capturing relatively little from other economies. With only 1.1 years of history, there hasn’t been much time to see how this regional tilt behaves across different global cycles, but it is clearly concentrated in one primary region.

Market capitalization Info

  • Mega-cap
    45%
  • Large-cap
    42%
  • Mid-cap
    11%
  • Small-cap
    2%

By market capitalization, the portfolio leans toward mega-cap and large-cap companies, which together account for about 87% of the exposure. Mid-caps and small-caps make up the remaining share. Market cap categories group firms by size; larger companies often have more established businesses and slightly more stable earnings, while smaller ones can be more volatile but sometimes faster growing. This mix means most of the portfolio’s behavior will resemble large established firms, especially in tech and growth areas, while a smaller portion comes from more volatile, earlier-stage names. Relative to a global benchmark, the heavy large-cap share is fairly typical, though the specific companies and sectors here still create a distinctive risk profile.

True holdings Info

  • Rivian Automotive Inc
    12.40%
  • NVIDIA Corporation
    8.17%
    Part of fund(s):
    • Invesco PHLX Semiconductor ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Information Technology Index Fund ETF Shares
  • Apple Inc
    6.91%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Information Technology Index Fund ETF Shares
  • International Business Machines
    6.62%
  • Microsoft Corporation
    4.91%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Information Technology Index Fund ETF Shares
  • Nike Inc
    3.84%
  • CoreWeave, Inc. Class A Common Stock
    3.69%
  • Broadcom Inc
    2.81%
    Part of fund(s):
    • Invesco PHLX Semiconductor ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Information Technology Index Fund ETF Shares
  • IONQ Inc
    2.69%
  • Rocket Lab USA Inc.
    2.28%
  • Top 10 total 54.32%

Looking through the ETFs to their top holdings, a few names stand out as big underlying drivers. NVIDIA, Apple, Microsoft, and Broadcom all appear via the ETFs, while Rivian, IBM, Nike, CoreWeave, IONQ, and Rocket Lab are held directly. Some of these single stocks also sit in the same broad style universe as the ETF holdings, so the portfolio’s effective exposure to certain themes is larger than it first appears. The overlap in mega-cap tech names means those companies influence returns both directly through their own weights and indirectly through the indexes. Because only ETF top-10 holdings are included, true overlap is probably somewhat higher than shown, so hidden concentration is likely understated.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 80%
Size
Exposure to smaller companies
Very low
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 74%
Quality
Preference for financially healthy companies
Low
Data availability: 34%
Yield
Preference for dividend-paying stocks
Low
Data availability: 76%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 96%

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 shows strong tilts in a few areas. Size exposure is very low, meaning the portfolio leans away from smaller companies and toward larger ones. Momentum is high, signaling a preference for stocks that have recently performed well or are in strong uptrends. Factor investing frames these as “ingredients” that help explain return patterns over time. A high momentum tilt can boost returns during persistent rallies but can also lead to sharper drops when trends reverse. The very low size exposure suggests behavior closer to large, established firms rather than smaller, more volatile ones. With only 1.1 years of history, these tilts may shift over time, but right now the pattern is clear.

Risk contribution Info

  • Vanguard Growth Index Fund ETF Shares
    Weight: 39.81%
    29.7%
  • Rivian Automotive Inc
    Weight: 12.40%
    17.9%
  • Vanguard Information Technology Index Fund ETF Shares
    Weight: 12.66%
    11.4%
  • CoreWeave, Inc. Class A Common Stock
    Weight: 3.69%
    9.1%
  • Invesco PHLX Semiconductor ETF
    Weight: 5.07%
    6.2%
  • Top 5 risk contribution 74.4%

Risk contribution looks at how much each holding drives the portfolio’s overall ups and downs, which can be quite different from simple weight. Here, the largest growth ETF is about 40% of the portfolio yet contributes roughly 30% of risk, so its volatility is somewhat cushioned by diversification. Rivian, at about 12% weight, contributes nearly 18% of total risk, and CoreWeave is especially notable: less than 4% of weight but over 9% of risk. That high risk-to-weight ratio means a relatively small position can still move the overall portfolio noticeably. The top three holdings together contribute almost 60% of risk, highlighting meaningful concentration in a handful of names.

Redundant positions Info

  • Vanguard Information Technology Index Fund ETF Shares
    Vanguard Growth Index Fund ETF Shares
    High correlation

Correlation measures how closely different investments move together, on a scale where 1 means they move almost in lockstep and 0 means they move independently. In this portfolio, the growth ETF and the tech ETF are identified as highly correlated, which makes sense because both are heavily tilted toward similar types of companies. High correlation between major positions can reduce diversification benefits, since they tend to rise and fall at the same time. With only 1.1 years of data, correlation estimates may be unstable and influenced by the recent strong run in tech and growth names, but the structural overlap between these funds suggests this tight relationship is not purely temporary.

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 vs. return chart compares the current portfolio with the efficient frontier built from these same holdings. The current mix has a Sharpe ratio of about 1.54, while the optimal combination of the same assets reaches around 2.88, indicating much better risk-adjusted returns in the simulation. The portfolio also sits roughly 29.5 percentage points below the efficient frontier at its risk level, meaning that, historically, different weightings among the existing holdings could have delivered more return for similar volatility. Since this analysis is based on just over a year of data, the exact numbers may not hold in the long run, but it still shows the current allocation is not the most efficient mix of what’s already in the portfolio.

Dividends Info

  • International Business Machines 3.00%
  • Nike Inc 3.70%
  • Invesco PHLX Semiconductor ETF 0.30%
  • Vanguard Information Technology Index Fund ETF Shares 0.30%
  • Vanguard Value Index Fund ETF Shares 1.90%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 0.73%

The overall dividend yield is modest, at about 0.73% annually, despite a couple of higher-yield names like Nike and IBM and a value ETF with a near 2% yield. Dividend yield is the cash payout as a percentage of price, and it can be an important part of total return, especially in steadier, income-focused portfolios. Here, the low yield reflects the strong tilt toward growth and tech-oriented holdings, which typically reinvest more profits into expansion rather than paying them out. Over the short 1.1-year period, price appreciation has been the main driver of returns; the income component plays a relatively small role in the portfolio’s overall performance profile.

Ongoing product costs Info

  • Invesco PHLX Semiconductor ETF 0.19%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard Value Index Fund ETF Shares 0.04%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.04%

Costs are notably low, with the main ETFs charging between 0.04% and 0.19% in annual fees and a blended total expense ratio near 0.04%. The total expense ratio (TER) is like a yearly membership fee charged by funds, and lower costs help more of the portfolio’s gross returns stay in your account over time. This level of fees is in line with or even better than many broad market index products, which is a strong positive. While the single-stock holdings do not have ongoing management fees, they can still involve trading costs when bought or sold. Over long periods, keeping TERs this low can meaningfully support net performance.

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