Aggressive growth tilted portfolio with heavy US tech exposure and solid recent outperformance
Report created on Apr 17, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 35.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 25.00% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 15.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 15.00% -
AV Avantis® Emerging Markets Equity ETF
AVEM - US0250726041 10.00%
The portfolio is a pure equity mix built entirely from five broad and thematic ETFs, with zero bonds or cash. Around a third sits in a broad US index, a quarter in a concentrated growth index, and a sizeable slice in a focused industry ETF, with the rest split between developed ex‑US and emerging markets. This structure leans clearly toward growth and higher volatility rather than capital preservation. Having everything in stocks is powerful for long time horizons but can be emotionally tough during deep drawdowns. Someone using this structure typically pairs it with a separate cash or bond buffer elsewhere, so their long-term growth engine can keep running through market downturns without forcing sales at bad times.
Growth
Over the last few years, the portfolio turned $1,000 into about $2,535, a compound annual growth rate (CAGR) of 18.47%. CAGR is like your average speed on a road trip, smoothing out the bumps along the way. That return beat both the US market and a global market benchmark by a wide margin. The trade-off is a max drawdown of -31.42%, deeper and longer than the benchmarks, meaning there was a period where almost a third of value was down on paper. Historical returns show the strategy has been rewarded recently, but they don’t guarantee similar results. The key takeaway is clear: this is a high-reward, high-swing growth approach.
Projection
The Monte Carlo projection runs 1,000 simulations of future returns using patterns from historical data, then shows the range of possible outcomes after 15 years. Think of it as rolling the dice on thousands of alternate market histories to see what might happen. The median path grows $1,000 to about $2,715, with a wide “likely” band from roughly $1,828 to $4,403. There’s also real downside risk: some paths end below your starting value, while the best ones are many times higher. Simulations are just models, not forecasts, but they highlight that a growthy, all-equity mix can be rewarding over long horizons while still having a sizeable chance of long, uncomfortable slumps.
Asset classes
- Stocks 100%
All of the allocation is in stocks, with no bonds, cash, or alternatives. That’s a classic growth investor setup: maximum exposure to the engine of long-term returns, but also maximum exposure to market swings. Bonds and cash typically act like shock absorbers, smoothing out the ride when stocks fall, while alternatives may behave differently from traditional markets. Going 100% equities makes sense for long horizons and strong risk tolerance, especially if income needs are low. The key implication is that risk management has to come from diversification within equities and from behavior — staying invested through rough periods — rather than from the cushion of lower-volatility asset classes.
Sectors
- Technology 45%
- Financials 10%
- Telecommunications 9%
- Consumer Discretionary 9%
- Industrials 7%
- Health Care 6%
- Consumer Staples 5%
- Basic Materials 3%
- Energy 3%
- Utilities 2%
- Real Estate 1%
Sector-wise, the portfolio is heavily tilted toward technology at around 45%, well above typical broad-market weights. Other sectors like financials, telecom, consumer areas, and industrials have moderate slices, while more defensive areas such as utilities and real estate are small. Tech-heavy portfolios often shine when growth stocks are in favor and interest rates are stable or falling, but can be hit hard when rates rise or sentiment rotates toward cheaper, less glamorous areas. This allocation is well-aligned with the kind of market leadership seen in recent years, which explains much of the outperformance. The flip side is higher sensitivity to any broad pullback or de-rating in high-growth business models.
Regions
- North America 73%
- Asia Developed 8%
- Europe Developed 7%
- Asia Emerging 6%
- Japan 2%
- Latin America 1%
- Africa/Middle East 1%
- Australasia 1%
Geographically, roughly 73% is tied to North America, mostly the US, with the rest spread across developed and emerging regions. This looks somewhat similar to many global benchmarks, which are also US-heavy, but this portfolio leans even more into US growth via its specific ETF choices. The remaining allocation provides exposure to developed markets outside North America and a meaningful slice of emerging markets, which adds currency and economic diversification. This balance is a positive: it keeps you plugged into global opportunities rather than just one economy. Still, returns and volatility will be driven first and foremost by US market cycles and policy, given how dominant that exposure is.
Market capitalization
- Mega-cap 47%
- Large-cap 36%
- Mid-cap 15%
- Small-cap 1%
Market cap exposure skews strongly toward mega- and large-cap companies, which together make up over 80% of the portfolio. Mid-caps play a supporting role and small caps barely register. Large and mega caps tend to be more established businesses with deeper liquidity and more analyst coverage, which can make them somewhat more resilient and easier to hold through stress. The trade-off is less exposure to smaller, potentially faster-growing but more volatile companies. This is a fairly standard profile for ETF-based portfolios and aligns well with global equity benchmarks. It helps keep risk tied to the biggest, most widely followed names rather than more speculative parts of the market.
True holdings
-
NV NVIDIA Corporation 7.53%
Part of fund(s):- Invesco NASDAQ 100 ETF
- VanEck Semiconductor ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 4.14%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.10%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 3.00%
Part of fund(s):- Invesco NASDAQ 100 ETF
- VanEck Semiconductor ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.45%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Taiwan Semiconductor Manufacturing 2.33%
Part of fund(s):- Avantis® Emerging Markets Equity ETF
- VanEck Semiconductor ETF
-
GO Alphabet Inc Class A 1.97%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.73%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.69%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.51%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Top 10 total 29.45%
Looking through the ETFs, the biggest underlying exposures are concentrated in a handful of mega-cap tech and growth names like NVIDIA, Apple, Microsoft, Amazon, Broadcom, and the large internet platforms. Several of these show up across multiple funds, creating hidden concentration even though everything is held via ETFs. Overlap is likely understated because only top-10 ETF holdings are captured, so real exposures could be higher. When the same companies sit in several funds, portfolio behavior can become increasingly tied to their fortunes. This can be great while those names are leading markets, but it also means that a rough spell for a few giants can move the entire portfolio more than headline diversification might suggest.
Factors
Factor exposure here is generally well-balanced, with most factors sitting in the neutral range, meaning they behave broadly like the wider market on characteristics such as size, momentum, quality, yield, and volatility. The main exception is value, where there’s a mild tilt away. Factors are like style “ingredients” — things like cheapness (value), recent winners (momentum), or stability (low volatility) that explain return patterns over time. A lower value score usually means a preference for companies with higher growth expectations and richer valuations. That fits with the tech and growth tilt seen elsewhere. It can boost returns when investors reward growth stories, but may lag in periods where cheaper, more cyclical companies come back into favor.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 35.00% 29.1% -
Invesco NASDAQ 100 ETF
Weight: 25.00% 27.9% -
VanEck Semiconductor ETF
Weight: 15.00% 24.9% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 15.00% 10.6% -
Avantis® Emerging Markets Equity ETF
Weight: 10.00% 7.5%
Risk contribution shows how much each ETF drives overall ups and downs, which can differ a lot from its weight. Here, the top three positions — broad US, NASDAQ 100, and semiconductors — are 75% of the capital but about 82% of total risk. The semiconductor ETF in particular stands out: at 15% weight, it contributes nearly 25% of portfolio volatility, signaling a concentrated risk pocket. This happens because that industry is especially sensitive to economic cycles, innovation shifts, and sentiment. Aligning position sizes more closely with desired risk levels, or at least being aware of which parts are the “loudest instruments,” helps set realistic expectations about what will move the portfolio during stress.
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 sitting below the efficient frontier by about 1.2 percentage points at its risk level. The efficient frontier is the curve of best possible return for each level of volatility using only the existing holdings in different weights. Sharpe ratio, which measures return per unit of risk above the risk-free rate, is 0.74 for the current mix, versus 0.81 for the minimum-variance blend and 0.99 for the max-Sharpe mix. That means the same ingredients could be rearranged to improve risk-adjusted returns without adding new funds. The existing allocation is decent, but there’s room for fine-tuning weights if aligning risk and reward more tightly becomes a priority.
Dividends
- Avantis® Emerging Markets Equity ETF 2.20%
- Invesco NASDAQ 100 ETF 0.50%
- VanEck Semiconductor ETF 0.20%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.18%
The total dividend yield of about 1.18% is modest, reflecting the growth orientation and heavy tech exposure. Dividend yield is the annual cash paid out as a percentage of the investment, and it can be useful for investors seeking regular income. Here, most of the return is expected to come from price appreciation rather than cash payouts. The international and emerging markets funds offer higher yields, slightly lifting the overall figure. For long-term growth-focused investors, a lower yield isn’t a problem; retained earnings can fuel reinvestment and compounding. It just means this setup is better suited to those who don’t rely on their portfolio for immediate spending needs.
Ongoing product costs
- Avantis® Emerging Markets Equity ETF 0.33%
- Invesco NASDAQ 100 ETF 0.15%
- VanEck Semiconductor ETF 0.35%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.14%
The blended ongoing fee, or TER, is about 0.14%, which is impressively low for a portfolio with this level of global reach and thematic exposure. TER (Total Expense Ratio) is the yearly cost charged by funds, and even small differences compound significantly over decades. Most of the allocation sits in very low-cost core index funds, with slightly higher fees on the more specialized and emerging markets ETFs. This cost profile is a real strength: it keeps more of the portfolio’s returns working for compounding instead of being eaten up by expenses. From a structural standpoint, low costs plus broad indexing is a solid foundation for long-term investing discipline.
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