A high growth US heavy portfolio with strong tech tilt and limited diversification across sectors

Report created on Jan 27, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

This portfolio is very concentrated: almost 90% sits in two broad US funds and a focused tech fund, with the rest in a few individual stocks. Compared with a typical “growth” benchmark, this is more top‑heavy and less spread out. That matters because concentration can boost returns when the favored area does well, but it can also magnify losses when it doesn’t. A simple next step could be to decide whether this tech‑and‑US tilt is intentional or just “happened,” then either lean into it knowingly or slowly spread new contributions into areas that behave differently in various market environments.

Growth Info

Historically, the portfolio’s compound annual growth rate (CAGR) of about 21% is extremely strong. CAGR is just the “average yearly speed” of growth, smoothing out the ups and downs like a long road‑trip average speed. The max drawdown near ‑38% shows that big drops did happen along the way, which is normal for growth‑oriented, stock‑heavy setups. Compared with many broad growth benchmarks, this return is high but the downside is also meaningful. It may be worth asking whether you’d have stayed invested through that size of fall and, if not, whether a slightly more balanced mix would better match your personal comfort with volatility.

Projection Info

The Monte Carlo analysis uses thousands of random “what if” paths based on past behavior to estimate future ranges. It’s like running 1,000 alternate histories to see how the portfolio might behave. The median outcome being up several hundred percent is impressive, but the 5th percentile showing a very large loss highlights the risk side. The average annualized return of all simulations is extremely high and likely reflects a tech‑driven, boom‑heavy data period. It’s useful as a guide, but future markets may behave very differently. Treat these numbers as rough weather forecasts rather than promises and use them mainly to gauge how much downside you might emotionally tolerate.

Asset classes Info

  • Stocks
    54%

Almost everything here is in stocks, with effectively zero ballast from bonds or cash‑like assets. Relative to many growth benchmarks, which still hold a small slice of defensive assets, this setup leans harder into pure equity risk. Being nearly 100% in stocks is powerful for long time horizons and for people who can sit through big swings, but it also means there’s not much of a cushion in sharp downturns. Someone wanting to smooth the ride could consider gradually adding a modest allocation to more stable asset types over time, especially if there are known spending needs or psychological limits during severe market drops.

Sectors Info

  • Technology
    41%
  • Financials
    6%
  • Telecommunications
    4%
  • Real Estate
    1%
  • Consumer Discretionary
    1%

The portfolio is strongly tilted toward technology, supported by both the dedicated tech ETF and the tech weight inside the broad US funds, plus some growth‑style single names. This kind of tilt has been rewarded in the last decade, and it’s a big reason the growth numbers look so strong. However, tech‑heavy portfolios often get hit harder when interest rates rise or when growth expectations cool. There is relatively little in more defensive or balance‑oriented sectors, which would usually provide some offset. Deciding how much sector concentration you’re truly comfortable with is key, then slowly nudging future contributions toward sectors that behave differently could help smooth future cycles.

Regions Info

  • North America
    54%

Geographically, this is basically a pure North America play, heavily focused on the US. That’s very similar to many US‑based investors and to some popular benchmarks, and it has worked well during a period when US markets outperformed many others. The flip side is that it leaves you more exposed if US valuations reset or if other regions lead future growth. International stocks can sometimes zig when US markets zag, helping diversification. A possible next step is to think about whether you want your long‑term wealth tied mostly to one economy, or whether gradually adding some non‑US exposure aligns better with your view of global growth.

Market capitalization Info

  • Mega-cap
    27%
  • Large-cap
    19%
  • Mid-cap
    7%
  • Small-cap
    1%

The allocation by company size skews toward mega and large caps, with only a thin slice in mid and small caps and almost nothing in micro caps. Large established companies tend to be more stable and are the core of most benchmarks, so this is broadly aligned with common practices. However, smaller companies can sometimes deliver higher long‑term growth, though with more volatility and deeper drawdowns. Right now, the portfolio’s growth profile comes more from sector/style bets (like tech) than from small‑cap exposure. If you want an extra growth engine and can tolerate bumpier rides, you might consider, over time, a bit more balance across company sizes.

Redundant positions Info

  • iShares Core S&P Total U.S. Stock Market ETF
    State Street® SPDR® Portfolio S&P 500® ETF
    High correlation

Two of the ETFs here are essentially doing a very similar job: they’re broad US stock market trackers and are highly correlated. Correlation just means they tend to move together; when one goes up or down, the other usually does something very similar. Holding multiple funds that act almost identically doesn’t add much diversification and can clutter the picture. The positive side is that these are both low‑cost and aligned with best practices for broad exposure. Cleaning things up could mean deciding which core fund you prefer and leaning on that, simplifying tracking and rebalancing while keeping the same underlying market exposure.

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.

From a risk‑versus‑return angle, the portfolio sits in a high‑return, high‑volatility zone, not far from where many aggressive growth investors aim to be. The “Efficient Frontier” is just the curve showing the best possible trade‑offs between risk (ups and downs) and return, given the ingredients you’re using. Here, efficiency tweaks wouldn’t mean adding exotic products; it would mainly be about rearranging the weights between what you already own, and possibly trimming overlaps. For example, slightly dialing down the most volatile or redundant pieces while keeping the growth core could move you closer to an efficient mix without changing the overall personality too much.

Dividends Info

  • Brookfield Corp 0.50%
  • iShares Core S&P Total U.S. Stock Market ETF 1.10%
  • iShares U.S. Technology ETF 0.10%
  • State Street® SPDR® Portfolio S&P 500® ETF 1.10%
  • Weighted yield (per year) 0.60%

The overall dividend yield around 0.6% is quite low, which is typical for a growth‑oriented, tech‑tilted equity portfolio. Dividends are the cash payments companies make to shareholders, and they can be a meaningful part of total return for more income‑focused or conservative investors. Here, most of the return potential is expected from price growth rather than cash payouts. That’s fine if the aim is long‑term growth and there’s no near‑term need to draw income from the portfolio. If income becomes a goal later, a gradual tilt toward higher‑yielding holdings or a dedicated income sleeve could complement the existing growth engine without a full overhaul.

Ongoing product costs Info

  • iShares Core S&P Total U.S. Stock Market ETF 0.03%
  • iShares U.S. Technology ETF 0.40%
  • Weighted costs total (per year) 0.17%

The blended cost (TER) of about 0.17% is impressively low, especially for a growth‑stock‑heavy mix. TER, or total expense ratio, is basically the annual “membership fee” for each fund. Keeping this small is one of the few levers investors can control, and over decades it can add up to a meaningful boost in net returns. The broad index ETF cost is excellent, and even the focused tech ETF, while pricier, is still within a reasonable range for a specialized exposure. From a cost standpoint, you’re on the right track; simplifying overlapping funds could even reduce fees slightly more while making monitoring easier.

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