Concentrated US growth portfolio with strong tech tilt and low cost globally diversified stock exposure
Report created on Apr 21, 2026Risk 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
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 60.00% -
SC Schwab U.S. Small-Cap ETF
SCHA - US8085246077 15.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 15.00% -
SO Invesco PHLX Semiconductor ETF
SOXQ - US46138G6153 10.00%
This portfolio is a straightforward, all‑equity mix built from four broad ETFs. About 60% sits in a total US stock fund, giving very wide coverage of the domestic market. Another 15% goes into a dedicated US small‑cap ETF, and 15% into a total international fund, while 10% targets semiconductors specifically. So the core is diversified index exposure, with an intentional tilt toward smaller US companies and a focused growth segment. A structure like this behaves very much like a growth‑oriented global stock portfolio, but with extra emphasis on the US and on technology hardware. That means returns and volatility are both driven mainly by stock markets, with little internal ballast from bonds or cash‑like assets.
Growth
Over the period from mid‑2021 to April 2026, $1,000 in this portfolio grew to about $1,720. That corresponds to a compound annual growth rate (CAGR) of 11.88%, which is the average yearly growth rate smoothed out over time. It lagged the broad US market by 0.68 percentage points per year but beat the global equity market by 1.73 points annually. The worst peak‑to‑trough drop was about −28%, slightly deeper and longer than the US market’s drawdown. Needing 15 days to generate 90% of returns also shows performance was driven by a small number of strong days, which is common in stock portfolios and highlights the impact of missing big up moves.
Projection
The Monte Carlo projection uses the portfolio’s past return and volatility patterns to simulate many possible 15‑year paths. Think of it as running 1,000 alternate futures, each with random ups and downs based on historical behavior. The median result turns $1,000 into about $2,868, while the middle half of outcomes ranges from roughly $1,847 to $4,312. More extreme but still plausible paths stretch from about $942 to $7,739. On average across all simulations, the annualized return is 8.14%, with positive outcomes in roughly three‑quarters of cases. These projections are useful for understanding the range of possibilities, but they rely on history, which may not repeat, especially for a growth‑heavy equity mix.
Asset classes
- Stocks 100%
All of this portfolio is invested in stocks, with 0% in bonds, cash, or alternatives. That creates a simple structure: returns mainly track the global business cycle and corporate earnings rather than interest rates or bond yields. An all‑equity allocation like this tends to offer higher long‑term growth potential, but also larger and more frequent swings in value along the way. Compared with a blended stock‑and‑bond benchmark, this portfolio would be expected to show sharper drawdowns and quicker rebounds. The clear upside is transparency and straightforward exposure, while the trade‑off is the absence of built‑in dampeners that can soften market stress.
Sectors
- Technology 34%
- Financials 13%
- Industrials 11%
- Health Care 9%
- Consumer Discretionary 9%
- Telecommunications 7%
- Consumer Staples 4%
- Energy 4%
- Basic Materials 3%
- Real Estate 3%
- Utilities 2%
Sector‑wise, the portfolio leans heavily into technology at 34%, with financials, industrials, health care, and consumer‑related areas making up most of the rest. In broad global benchmarks, technology is usually a major but not quite this dominant weight; the dedicated semiconductor ETF lifts that exposure further. Portfolios with strong tech exposure often benefit when innovation and digital infrastructure spending are in favor, but can be more sensitive to interest rate changes and swings in growth expectations. The remaining allocations across sectors are reasonably spread, which helps, but the overall behavior will still feel strongly tied to cycles in the technology and growth‑oriented parts of the market.
Regions
- North America 85%
- Europe Developed 6%
- Asia Developed 3%
- Japan 2%
- Asia Emerging 2%
- Australasia 1%
- Africa/Middle East 1%
Geographically, about 85% of the portfolio is in North America, with relatively small slices in developed Europe, Japan, other developed Asia, and emerging regions. Global market indices typically have a large US share, but this portfolio goes a step further with a stronger domestic tilt. That concentration means results largely follow the US economy, corporate earnings, and dollar movements, while developments in other regions matter less. The international portion still adds some diversification and exposure to different currencies and policy regimes. Overall, though, the portfolio’s behavior is likely to resemble an amplified US equity experience rather than a fully balanced global mix.
Market capitalization
- Mega-cap 34%
- Large-cap 29%
- Mid-cap 17%
- Small-cap 13%
- Micro-cap 6%
By market capitalization, the portfolio spans the full spectrum: 34% in mega‑caps, 29% in large‑caps, plus meaningful allocations to mid‑caps, small‑caps, and even some micro‑caps. This spread is broader than a pure large‑cap index, mainly because of the total market and small‑cap funds. Size exposure matters because smaller companies often move more sharply than large household names, especially in economic upswings and downturns. Here, the balance leans toward big companies but still leaves a sizable role for smaller, more volatile stocks. That mix can increase overall return potential and volatility compared with a portfolio focused strictly on mega‑ and large‑cap names.
True holdings
-
NV NVIDIA Corporation 5.00%
Part of fund(s):- Invesco PHLX Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 3.55%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.62%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.44%
Part of fund(s):- Invesco PHLX Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.92%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.60%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.27%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.19%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.00%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
BR Berkshire Hathaway Inc 0.82%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 21.41%
Looking through the ETFs’ top holdings, several big names appear across multiple funds, creating hidden concentration. NVIDIA alone adds up to about 5% of the portfolio, with Apple, Microsoft, Broadcom, Amazon, Alphabet, Meta, Tesla, and Berkshire also featuring. Because these companies sit in the top index weights and in the semiconductor ETF, their combined influence is larger than any single ETF weight suggests. This overlap can boost returns when these leaders do well, but also ties performance tightly to a relatively small group of large growth companies. And since only ETF top‑10 holdings are captured, the true overlap is probably somewhat understated here.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility is broadly neutral, meaning it looks similar to the broad market. Factors are like the underlying “traits” of stocks – such as being cheap, fast‑rising, or stable – that research links to long‑term returns. With scores sitting around the 50% mark for all six, the portfolio doesn’t strongly lean toward classic styles like deep value, high yield, or defensive low‑volatility stocks. Instead, its behavior is likely to track broad market trends, with its distinctiveness coming more from sector, geography, and specific industry tilts than from systematic factor bets.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 60.00% 55.7% -
Invesco PHLX Semiconductor ETF
Weight: 10.00% 16.9% -
Schwab U.S. Small-Cap ETF
Weight: 15.00% 16.4% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 15.00% 11.0%
Risk contribution shows how much each position drives the portfolio’s total ups and downs, which can differ from simple weights. The main US total market ETF is 60% of the portfolio and contributes about 56% of the risk, broadly in line with its size. The semiconductor ETF, at only 10% weight, contributes roughly 17% of the risk, reflecting its higher volatility; its risk/weight ratio is noticeably elevated. The small‑cap fund also punches slightly above its weight for risk, while the international fund adds less risk than its allocation. Overall, the top three holdings account for almost 89% of total risk, underscoring where most fluctuations come from.
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 efficient frontier analysis compares this portfolio to other mixes made from the same four ETFs. The current portfolio has a Sharpe ratio of 0.47, which measures return per unit of risk after adjusting for a 4% risk‑free rate. It sits about 1.2 percentage points below the frontier at its risk level, meaning there are combinations of these same funds that historically would have offered slightly better risk‑adjusted returns. The maximum‑Sharpe mix is much riskier and higher‑returning, while the minimum‑variance mix has lower risk and a somewhat higher Sharpe than the current portfolio. This suggests the existing allocation is decent but not fully optimized purely on a risk‑return basis.
Dividends
- Schwab U.S. Small-Cap ETF 1.00%
- Invesco PHLX Semiconductor ETF 0.40%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.26%
The overall dividend yield of the portfolio is about 1.26%, coming from the underlying ETFs. The international fund has the highest yield in the group, while the semiconductor ETF yields very little, reflecting its growth focus. Dividends are cash payouts from companies and can provide a modest income stream as well as a component of total return over time. Here, income plays a secondary role compared with capital gains. For a growth‑oriented, tech‑tilted equity mix, a relatively low yield is typical and simply signals that more of the expected return is tied to future earnings growth rather than regular cash distributions.
Ongoing product costs
- Schwab U.S. Small-Cap ETF 0.04%
- Invesco PHLX Semiconductor ETF 0.19%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.05%
The portfolio’s costs are impressively low, with a combined total expense ratio (TER) of about 0.05%. TER is the annual fee charged by funds, expressed as a percentage of assets, and it quietly subtracts from returns each year. Three of the four ETFs charge 0.05% or less, and even the more specialized semiconductor ETF is modest at 0.19%. This cost structure aligns very well with best practices in low‑cost index investing. Over long periods, keeping fees this low can meaningfully improve net outcomes compared with higher‑fee alternatives, because even small percentage differences compound into large dollar amounts over many years.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey