A high growth US focused portfolio with strong historical returns and concentrated technology exposure

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

Growth Investors

This mix fits an investor who is comfortable with significant volatility, including occasional 30–40% drops, in pursuit of strong long‑term growth. Typical goals might be building wealth over decades, funding retirement far in the future, or growing capital for large future projects rather than near‑term spending. The ideal time horizon is long, often 10 years or more, so that temporary downturns have time to recover. Income needs would be low, with little reliance on portfolio dividends for living expenses. This kind of investor accepts that returns may be lumpy and tied closely to the fortunes of innovative companies and one major economy, and is willing to stick with the plan through rough patches.

Positions

  • State Street® SPDR® Portfolio S&P 500® ETF
    SPYM - US78464A8541
    45.00%
  • Schwab U.S. Large-Cap Growth ETF
    SCHG - US8085243009
    30.00%
  • Avantis® U.S. Small Cap Value ETF
    AVUV - US0250728773
    15.00%
  • VanEck Semiconductor ETF
    SMH - US92189F6768
    10.00%

This portfolio is heavily tilted toward US stocks through four ETFs that largely own similar large‑cap companies, plus a focused semiconductor sleeve. The risk profile sits in the growth range, with a relatively high risk score and a low diversification score. This matters because when most holdings move in the same direction, ups and downs tend to be amplified. The overall structure is well aligned with a growth objective but light on balance. It could help to simplify overlapping positions that hold many of the same names and either consolidate into fewer broad funds or intentionally carve out distinct roles for each holding to avoid accidental duplication.

Growth Info

Using a simple example, a $10,000 starting amount growing at a 20.44% CAGR (compound annual growth rate) over 10 years would have become roughly $63,000. CAGR is just the “average yearly speed” of growth over time. This return strongly outpaced typical broad market benchmarks, which is consistent with a growth‑heavy, tech‑tilted mix. The trade‑off shows in the max drawdown of about ‑35%, meaning the portfolio once fell that far from a peak. That level of drop is normal for aggressive equity strategies. It’s important to remember past performance cannot guarantee future results, especially when recent years favored growth and technology.

Projection Info

The Monte Carlo analysis, which runs 1,000 random what‑if scenarios using historical patterns, points to a very wide range of possible futures. A 5th percentile outcome of about 167% growth means even weaker paths still roughly double, while the median path shows over 1,500% growth, and upper scenarios go much higher. Monte Carlo is useful because it shows probabilities instead of a single forecast, but it still relies on the past being a rough guide to the future. With such high historical returns, the 26.10% average simulated return might be optimistic. Treat these results as a risk and range map, not a promise, and stress‑test whether deeper losses would be emotionally and financially tolerable.

Asset classes Info

  • Stocks
    55%
  • Cash
    0%

Almost everything here is in one asset class: stocks, with essentially no bonds, real assets, or cash buffers playing a real role. That creates strong participation in equity bull markets but little protection when stocks fall broadly. Growth‑oriented investors often prefer this kind of tilt, yet broad benchmarks usually hold a mix of stocks and stabilizing assets to smooth the ride. This allocation is aggressive but coherent for pure growth. To improve resilience, it can help to add a small slice of defensive assets or strategies that historically do not move in lockstep with stocks, even if that slightly reduces peak return potential in very strong markets.

Sectors Info

  • Technology
    24%
  • Consumer Discretionary
    7%
  • Financials
    6%
  • Telecommunications
    5%
  • Industrials
    4%
  • Health Care
    3%
  • Energy
    3%
  • Basic Materials
    1%
  • Consumer Staples
    1%
  • Real Estate
    0%
  • Utilities
    0%

Technology is the clear standout at around 24%, plus the dedicated semiconductor ETF pushes the effective tech exposure even higher. Consumer cyclicals, financials, communication services, and industrials all appear but at much lower weights, while typically defensive sectors like utilities and real estate are barely present. Tech‑heavy portfolios can shine when innovation is rewarded and interest rates are stable or falling, yet they tend to suffer more when rates rise or when markets rotate toward value or defensive areas. The sector mix is consistent with a growth style, but risk is concentrated. Trimming the most specialized sleeve or deliberately adding more defensive and steady‑earning sectors could reduce sensitivity to one theme.

Regions Info

  • North America
    53%
  • Asia Developed
    1%
  • Europe Developed
    1%
  • Latin America
    0%
  • Asia Emerging
    0%
  • Africa/Middle East
    0%

Geographically, this mix is overwhelmingly rooted in North America, with only tiny allocations to developed Europe and Asia. That aligns closely with many US investors and major benchmarks that are also US‑heavy, and it has been beneficial during a long stretch where US markets outperformed many peers. However, it leaves the portfolio highly tied to the health of the US economy, policy, and currency. Global shocks that impact the US more than other regions could hit hard. Adding a modest slice of international exposure, both developed and emerging, can provide access to different growth drivers and policy environments, without fundamentally changing the portfolio’s core US‑centric growth character.

Market capitalization Info

  • Mega-cap
    23%
  • Large-cap
    13%
  • Small-cap
    8%
  • Micro-cap
    7%
  • Mid-cap
    4%

The market‑cap breakdown leans toward mega and big companies, with meaningful but smaller slices in small and micro caps. Large and mega caps often bring stability, strong balance sheets, and brand power, while small and micro caps can provide higher long‑term growth potential and volatility. This mix is directionally in line with many benchmarks, but the dedicated small‑cap value ETF adds a useful tilt toward smaller, cheaper companies, which is a positive differentiator. The relatively low mid‑cap exposure suggests a bit of a “barbell” shape. If desired, slightly increasing mid‑cap representation can sometimes help balance risk and return between the steadiness of giants and the choppiness of tiny firms.

Redundant positions Info

  • State Street® SPDR® Portfolio S&P 500® ETF
    Schwab U.S. Large-Cap Growth ETF
    High correlation

Two of the main funds are highly correlated, meaning their prices tend to move together because they own many of the same large growth companies. Correlation is like how two cars on the same highway speed up and slow down at similar times. When large chunks of a portfolio are tightly linked, diversification benefits shrink, especially in downturns when everything falls together. The current correlation pattern is expected given the overlapping US large‑cap growth focus, but it does reduce the value of holding both funds separately. Consolidating overlapping positions or pairing them with truly different strategies can keep the overall growth profile while gaining more meaningful diversification.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.50%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • VanEck Semiconductor ETF 0.30%
  • State Street® SPDR® Portfolio S&P 500® ETF 1.10%
  • Weighted yield (per year) 0.87%

The total dividend yield of about 0.87% is quite low, which fits a growth‑oriented equity mix focused on companies that reinvest earnings instead of paying them out. Dividends are cash payments from companies; they can provide a smoother, more predictable part of total return, especially for investors who care about income. Here, most of the return is expected to come from price appreciation rather than cash flow. This is well aligned with long‑term capital growth goals but less suitable for those needing regular withdrawals. If income becomes more important over time, shifting part of the portfolio toward higher‑yielding funds or dividend‑focused strategies could help without abandoning the overall equity approach.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • VanEck Semiconductor ETF 0.35%
  • Weighted costs total (per year) 0.08%

The overall portfolio cost, with a total expense ratio around 0.08%, is impressively low and firmly in best‑practice territory. Expense ratios are like a small annual “membership fee” charged as a percentage of assets, and lower fees keep more of the return in the investor’s pocket. This cost level compares very favorably to many actively managed options and is fully in line with modern index‑based strategies. Keeping costs this low is a genuine strength and supports better long‑term compounding. The main opportunity is not fee cutting but making sure each fund earns its place by either adding diversification, offering a specific tilt, or simplifying the structure without meaningfully raising expenses.

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.

On a risk‑return chart known as the Efficient Frontier, which maps the best possible return for each level of risk using only the current building blocks, this portfolio probably sits on the aggressive, high‑return side but not at the most efficient point due to overlap. Efficiency here means the best trade‑off between volatility and expected return, not perfection on other goals. By reducing redundancy between highly similar large‑cap growth holdings and reconsidering the size of the concentrated semiconductor slice, it may be possible to reach a combination that either lowers risk for the same expected return or raises expected return for about the same risk, while still staying true to a growth identity.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

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.