Growth focused portfolio with strong tech tilt and efficient high risk high return profile

Report created on Mar 24, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

The portfolio is built almost entirely from stocks, with 99% in equity ETFs and 1% in cash. The core is a broad US large-cap ETF, complemented by a dedicated semiconductor ETF, an international stock ETF, a US small-cap value ETF, and a US momentum ETF. This structure mixes broad market exposure with a few targeted tilts toward specific styles and industries. That blend can boost returns but usually makes the ride bumpier. Overall, this is clearly a growth-first setup, with limited ballast from bonds or cash. Anyone using a structure like this typically relies on a long time horizon and outside cash reserves to handle volatility.

Growth Info

From late 2019 to March 2026, the hypothetical $1,000 grew to about $3,246, a compound annual growth rate (CAGR) of 21.02%. CAGR is like an “average speed” per year over the whole journey. This comfortably beat both the US market (14.69%) and the global market (12.25%) over the same period. Max drawdown, the worst peak‑to‑trough drop, was about ‑34%, very similar to the benchmarks’ worst falls. That means the portfolio earned much higher returns without taking meaningfully deeper historical drawdowns. However, those returns come from a tech-heavy, factor-tilted mix that hugely benefited from this specific period; such outperformance is not guaranteed going forward.

Projection Info

The Monte Carlo projection uses past return and volatility patterns to simulate 1,000 different future 10‑year paths for this mix. Think of it as running many “what if” market histories based on how the portfolio behaved before. The median outcome shows roughly a 948% cumulative gain over 10 years, with only 5% of simulations ending below about 118%. Almost all scenarios were positive, and the average simulated annual return was about 22%. This paints a very optimistic picture, but it’s crucial to remember these simulations assume future behavior resembles the past, which may not hold, especially if tech or factor leadership changes.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Asset‑class exposure is extremely simple: almost everything is in stocks, with a token 1% in cash and no meaningful allocation to bonds or other defensive assets. Equities are the main growth engine over long periods, but they also drive most of the big drawdowns. Compared with a more balanced, multi‑asset mix, this setup accepts higher short‑term risk in exchange for greater growth potential. That lines up with the “growth” risk profile classification and a 5/7 risk score. It works best when there is a separate safety net — like emergency savings and stable income — so the portfolio doesn’t need to be tapped during big market drops.

Sectors Info

  • Technology
    40%
  • Financials
    14%
  • Industrials
    9%
  • Consumer Discretionary
    8%
  • Telecommunications
    7%
  • Health Care
    6%
  • Energy
    4%
  • Consumer Staples
    4%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is notably tilted, with about 40% in technology and meaningful additional exposure to areas often tied to the economic cycle, like financials and industrials. Defensive sectors such as utilities and consumer staples are present but smaller. Compared to broad global benchmarks, this is a much more tech-heavy, pro‑growth alignment. That can be a strong tailwind when innovation and earnings in these areas are booming, as in recent years. But tech-heavy portfolios can be more sensitive to interest rate moves, regulatory risk, and shifts in investor sentiment. The clear upside is growth; the trade‑off is potentially sharper swings during market stress.

Regions Info

  • North America
    78%
  • Europe Developed
    9%
  • Asia Developed
    5%
  • Japan
    3%
  • Asia Emerging
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, the portfolio is anchored in North America at about 78%, with modest allocations to Europe, developed Asia, Japan, and small slices of emerging regions. This is a stronger home‑bias than global‑cap benchmarks, which typically have more non‑US exposure. US dominance has been rewarding over the past decade, especially with large tech leadership, so this alignment has helped returns. However, it also ties outcomes heavily to the US economy, policy, and currency. A more even split between US and the rest of the world can smooth regional shocks, but it may also dilute exposure to the parts of the market that have been strongest recently.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    33%
  • Mid-cap
    14%
  • Small-cap
    6%
  • Micro-cap
    5%

By market capitalization, the portfolio leans large, with roughly 42% in mega caps and 33% in big caps, then 14% medium, 6% small, and 5% micro. Mega and big caps tend to be more established, widely followed companies, which can provide some stability and liquidity. The dedicated small‑cap value ETF adds a clear tilt toward smaller, often cheaper companies, which historically have sometimes offered higher long‑term returns but with more volatility. This mix creates a barbell of dominant global players plus a sleeve of punchier small names. It’s a reasonable structure for someone seeking growth with a bit of extra small‑cap kick.

True holdings Info

  • NVIDIA Corporation
    7.53%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Broad Market ETF
    • VanEck Semiconductor ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Broadcom Inc
    3.38%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Broad Market ETF
    • VanEck Semiconductor ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Apple Inc
    2.66%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing
    2.13%
    Part of fund(s):
    • VanEck Semiconductor ETF
  • Microsoft Corporation
    1.98%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Micron Technology Inc
    1.75%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • VanEck Semiconductor ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Meta Platforms Inc.
    1.70%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • ASML Holding NV ADR
    1.41%
    Part of fund(s):
    • VanEck Semiconductor ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Amazon.com Inc
    1.39%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Lam Research Corp
    1.38%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • VanEck Semiconductor ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Top 10 total 25.32%

Looking through the ETFs, there is meaningful “hidden” concentration in a handful of large tech and semiconductor names. NVIDIA alone accounts for about 7.5% of the total, with Broadcom, Apple, TSMC, Microsoft, Micron, Meta, ASML, Amazon, and Lam Research all above 1%. Several of these appear in multiple ETFs, stacking exposure even though they look diversified at the fund level. Overlap may be understated because only top‑10 positions are visible, so true concentration could be higher. This clustering can be powerful while these companies lead but would hurt more if sentiment turns against large tech or chips. Being aware of this hidden bet is important.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 10%
Size
Exposure to smaller companies
Very high
Data availability: 10%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
No data
Data availability: 0%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure shows strong tilts toward value and size, plus a moderate to strong tilt to momentum, with some exposure to low volatility. Factors are like underlying “traits” that drive returns: value focuses on cheaper stocks, size on smaller companies, momentum on recent winners, and low volatility on steadier names. With value and size dominant, the portfolio may do relatively well when smaller, cheaper companies outperform, while the momentum sleeve ties it to recent market leaders. This combination can do great in risk‑on, trend‑driven markets but may lag in sharp reversals or when expensive, defensive quality stocks drive returns. Signal coverage is partial, so readings are directional, not precise.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 40.00%
    35.6%
  • VanEck Semiconductor ETF
    Weight: 20.00%
    29.6%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 20.00%
    15.2%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 10.00%
    10.5%
  • Invesco S&P 500® Momentum ETF
    Weight: 10.00%
    9.1%

Risk contribution highlights how much each ETF adds to overall portfolio ups and downs, which can differ from its weight. The semiconductor ETF is 20% of capital but contributes nearly 30% of total risk, giving it a risk‑to‑weight ratio of 1.48. The broad S&P 500 ETF is 40% weight and about 36% of risk, close to proportional. The small‑cap value ETF contributes slightly more risk than its 10% weight, while the momentum and international funds contribute slightly less. Overall, the top three positions drive over 80% of risk. This is typical for a concentrated growth-tilted setup, but it’s worth checking that the heavy reliance on semis is intentional.

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 portfolio sits on the efficient frontier, meaning that for its current mix of holdings, the weights are already structured efficiently. The Sharpe ratio of about 0.79 is solid, though below the highest‑Sharpe optimal portfolio at 0.98 and well above the minimum‑variance option at 0.61. The optimal and same‑risk portfolios would have much higher expected returns but also meaningfully higher volatility. Since the current point is on the frontier, any big improvement in risk‑adjusted return would require changing the underlying ingredients, not just reweighting. As it stands, this is a very efficient but intentionally aggressive configuration, accepting substantial swings for higher expected growth.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.80%
  • VanEck Semiconductor ETF 0.30%
  • Invesco S&P 500® Momentum ETF 0.80%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.38%

The overall dividend yield is around 1.38%, with the international ETF and the small‑cap value sleeve providing the higher yields in the mix. Yield here is the cash income investors receive annually as a percentage of their investment. That level is modest and clearly shows the portfolio is built for capital growth rather than steady income. For a growth‑oriented approach, this is perfectly sensible, since many high‑growth companies reinvest earnings instead of paying large dividends. Anyone needing regular cash flow from investments would typically pair a setup like this with separate income‑oriented holdings or plan on systematic withdrawals by selling shares when needed.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • VanEck Semiconductor ETF 0.35%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.13%

Total ongoing costs are very low, with a blended expense ratio around 0.13%. That’s driven by ultra‑cheap core funds like the S&P 500 and international index ETFs, while the more specialized small‑cap value and semiconductor funds cost a bit more but still sit in a reasonable range. Costs matter because they come off returns every year, and small differences compound over time. Here, the costs are impressively low and align well with best practices for long‑term investing. Keeping fees down gives more of the market’s return back to the investor, especially important in a high‑equity, long‑horizon strategy where compounding does the heavy lifting.

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