A strongly growth oriented stock portfolio with broad diversification and heavy tilt to large US companies

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.

What type of investor this portfolio is suitable for

Balanced Investors

This setup fits an investor who is comfortable with meaningful ups and downs in pursuit of strong long‑term growth. They likely have a multi‑decade horizon, are focused on building wealth rather than drawing income, and can stay invested during market corrections without panicking. A moderate‑to‑high risk tolerance suits this kind of all‑equity allocation, especially given the tilt to large growth names. Goals might include retirement far in the future, funding big life milestones, or simply maximizing net worth over time. This personality values simplicity, low costs, and broad diversification within stocks, while accepting that the absence of bonds or cash buffers means larger swings along the way.

Positions

  • Vanguard S&P 500 ETF
    VOO - US9229083632
    30.00%
  • Invesco NASDAQ 100 ETF
    QQQM - US46138G6492
    20.00%
  • American Century ETF Trust
    AVNM - US0250721745
    14.00%
  • Northrop Grumman Corporation
    NOC - US6668071029
    14.00%
  • American Express Company
    AXP - US0258161092
    8.00%
  • NVIDIA Corporation
    NVDA - US67066G1040
    5.00%
  • Rocket Lab USA Inc.
    RKLB - US7731221062
    5.00%
  • Duke Energy Corporation
    DUK - US26441C2044
    4.00%

This portfolio is built almost entirely around broad US stock ETFs plus a handful of individual large companies, with no bonds or cash. The biggest positions are two index-style ETFs that together make up half the portfolio, which is common in growth-focused setups and broadly lines up with popular benchmarks. This structure matters because it drives how much the portfolio will rise and fall when stock markets move. To refine things, it could help to check how much overlap exists between the broad ETFs and the individual stocks and decide whether the extra concentration is intentional or if trimming duplicates would simplify risk.

Growth Info

Historically, this mix has delivered a very strong compound annual growth rate (CAGR) of around 28.5%, meaning a $10,000 starting amount hypothetically grew like a car speeding far above normal highway limits. That outpaced typical balanced benchmarks by a wide margin, reflecting the strong run in large US growth stocks. The max drawdown of about -22% shows that while pullbacks were meaningful, they were not extreme for an all‑equity profile. This is encouraging, but past performance is not a promise, just a weather report. Treat it as a guide rather than a guarantee when deciding how much volatility feels acceptable.

Projection Info

The Monte Carlo analysis simulates many possible future paths by remixing historical return patterns to see what a wide range of outcomes might look like. Here, 1,000 simulations all showed positive results, with a very high average annualized figure, which underlines how strong the backtested period has been. The huge spread between the low and median outcomes shows that future results could still vary a lot, even with a favorable tilt. Monte Carlo works like rolling dice many times; it does not predict the future, just explores “what if” paths. It is wise to view these numbers as optimistic scenarios rather than something to rely on for planning must‑have cash needs.

Asset classes Info

  • Stocks
    100%
  • Cash
    0%
  • Other
    0%
  • No data
    0%

Every dollar in this portfolio is in stocks, with 0% in bonds, cash, or other assets. That gives clear, uncomplicated exposure to growth, but it also means no built‑in cushion from steady income assets that typically move differently from stocks. Many balanced benchmarks usually include some mix of bonds or cash to soften large market swings. Staying 100% in stocks suits people who can ride out big ups and downs without changing course. If that feels aggressive for your real‑life needs, one way to smooth the ride is to slowly add a small slice of more defensive assets elsewhere in your overall finances rather than overhauling this core growth engine.

Sectors Info

  • Technology
    29%
  • Industrials
    24%
  • Financials
    15%
  • Consumer Discretionary
    7%
  • Telecommunications
    7%
  • Utilities
    5%
  • Health Care
    4%
  • Consumer Staples
    3%
  • Basic Materials
    2%
  • Energy
    2%
  • Real Estate
    1%

Sector-wise, the portfolio is nicely spread across technology, industrials, financials, and several others, with no single area overwhelmingly dominant. A roughly 29% tilt to tech and meaningful exposure to industrials and financial services is similar to many major US stock indices, which is a strong sign of healthy diversification. This spread helps avoid the risk of one sector’s downturn driving everything. Tech‑heavy parts may still swing more when interest rates shift or sentiment changes, while industrials can be tied more to economic cycles. Keeping an eye on whether any single sector creeps well above a third of the portfolio over time can help maintain this solid balance.

Regions Info

  • North America
    87%
  • Europe Developed
    6%
  • Japan
    2%
  • Asia Emerging
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Latin America
    0%
  • Africa/Middle East
    0%
  • Europe Emerging
    0%

Geographically, about 87% of the holdings sit in North America, with modest exposure to developed Europe, Japan, and parts of Asia. This is very much in line with US‑centric benchmarks, which naturally lean heavily toward US companies because of their size and liquidity. That alignment is beneficial for familiarity and for matching common market indices. The trade‑off is that returns are strongly linked to the US economy and policy environment, with only a small offset from other regions. If you ever want to reduce that home‑country tilt, even a modest increase in non‑US exposure can help diversify currency and economic risks without radically changing the overall character.

Market capitalization Info

  • Large-cap
    45%
  • Mega-cap
    42%
  • Mid-cap
    11%
  • Small-cap
    1%
  • Micro-cap
    0%

Most of this portfolio sits in mega and big companies, with only a tiny piece in mid and small caps. That tilt toward the largest firms mirrors traditional benchmarks and often brings more stability, because mega‑caps tend to have stronger balance sheets and more diversified businesses. It also means performance is driven heavily by a relatively small group of global leaders, especially in growth areas. This structure is well-aligned with global standards and is a solid foundation. If you ever want more return potential (and more bumpiness), nudging exposure toward mids and smalls could help, but that should match your comfort with sharper short‑term swings.

Redundant positions Info

  • Invesco NASDAQ 100 ETF
    Vanguard S&P 500 ETF
    High correlation

The main correlation issue here is the overlap between the S&P 500 ETF and the NASDAQ 100 ETF, which historically move very closely together. Correlation just means how often things move in the same direction; when it’s high, combining them does not add much diversification, especially in a downturn. The note pointing out this overlap is on target: a lot of the growth exposure is effectively doubled. That can be fine if the goal is to lean hard into US large growth, but it does reduce the variety of return drivers. Periodically checking whether both are needed at their current sizes can slightly improve risk control without sacrificing the overall growth tilt.

Dividends Info

  • American Century ETF Trust 2.80%
  • American Express Company 0.80%
  • Duke Energy Corporation 3.60%
  • Northrop Grumman Corporation 1.60%
  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard S&P 500 ETF 1.10%
  • Weighted yield (per year) 1.25%

The total dividend yield of roughly 1.25% is modest, which is exactly what you would expect from a growth‑tilted stock mix. Dividends are the cash payments companies make to shareholders, like getting a small regular rebate. Here, most of the return story will come from price movement, not income, and that fits a portfolio focused on building wealth rather than funding ongoing spending. It is great that there are some steadier payers, like the higher‑yield ETF and utility stock, which add a bit of ballast. If reliable cash flow ever becomes a bigger priority, gradually boosting the share of income‑oriented holdings could raise the yield without abandoning growth altogether.

Ongoing product costs Info

  • American Century ETF Trust 0.31%
  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.08%

The overall cost level, with a total expense ratio around 0.08%, is impressively low and a real strength. TER (Total Expense Ratio) is like a small annual membership fee taken inside each fund; the lower it is, the more of the portfolio’s growth you keep over time. Your use of broad, low‑fee ETFs is right in line with best practices and supports better long‑term performance compared to higher‑cost strategies. Even the slightly pricier ETF is still reasonable and does not drag down the average meaningfully. Staying attentive to costs as you add or adjust positions is one of the simplest ways to improve long‑run outcomes without taking on extra risk.

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.

From a risk‑versus‑return angle, this portfolio already sits in a strong spot for a growth‑focused efficient frontier. The “efficient frontier” is just a curve showing the best possible trade‑offs between risk and return using only your current building blocks. Here, the main tweak is not adding more assets, but thinking about how much weight sits in overlapping growth‑heavy pieces versus more defensive or income‑oriented ones. Efficiency is about getting the most expected return per unit of volatility, not about maximizing diversification for its own sake. Small shifts between the existing ETFs and individual stocks, especially around the most correlated pair, could potentially move the mix closer to that “sweet spot” without changing its growth identity.

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