Growth focused portfolio with strong recent returns and a large cash allocation tempering overall risk
Report created on Apr 23, 2026Risk profile
5/7
Diversification profile
4/5
Positions
-
SG iShares Trust
SGOV - US46436E7186 34.96% -
SC Schwab U.S. Broad Market ETF
SCHB - US8085241029 25.44% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 18.27% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 12.56% -
NV NVIDIA Corporation
NVDA - US67066G1040 7.96% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 0.81%
This portfolio is built mainly from broad US equity ETFs, a tech-tilted growth ETF, a dividend fund, and a single large tech stock, alongside a sizeable cash position. The biggest slice is an iShares fund at roughly a third, then a broad US market ETF and a NASDAQ 100 ETF, plus a dedicated US dividend ETF. A direct NVIDIA position and a small tech ETF round out the invested portion. Cash makes up about a third of the overall mix, which is unusually high for a growth-tilted portfolio. Structurally, this creates a “barbell”: aggressive growth and tech exposure on one side, with a meaningful cash cushion on the other that dampens swings and slows the portfolio’s overall growth rate.
Growth
From late 2020 to mid‑2026, a hypothetical $1,000 in this portfolio grew to about $2,731, a compound annual growth rate (CAGR) of 20.09%. CAGR is like average speed on a road trip, showing the steady yearly pace needed to reach the final value. This comfortably beat both the US market (15.08%) and global market (13.13%) over the same period. The portfolio’s worst peak‑to‑trough drop was about ‑23.8%, similar to the benchmarks’ drawdowns, and it recovered in under a year. Most of the gains came on just 32 trading days, underlining how missing a few strong days historically would have had a big impact.
Projection
The forward projection uses a Monte Carlo simulation, which means the computer replays many “what if” paths using patterns from past returns and volatility. Here, 1,000 simulated paths over 15 years suggest a median outcome of about $2,483 from $1,000, equivalent to 6.74% per year across all simulations. The middle half of outcomes lands between roughly $1,863 and $3,372, with a 75.7% chance of ending above the starting amount. This spread shows that results could still vary a lot even with similar average returns. As always, this is a model built on historical behaviour, not a prediction, so real‑world outcomes can be better or worse.
Asset classes
- Stocks 65%
- Cash 35%
On an asset‑class level, the portfolio is split roughly 65% in stocks and 35% in cash. That cash slice is much larger than in typical long‑term equity benchmarks, which often keep cash near zero. Cash tends to be stable but grows slowly, while stocks are more volatile but historically offered higher long‑run returns. This combination means the invested portion is quite growth‑oriented, but the overall portfolio’s ups and downs are softened by the cash buffer. In practice, that can reduce the emotional and financial impact of market drops, while also lowering the portfolio’s potential to track the strong equity returns seen in the performance history.
Sectors
- Cash 35%
- Technology 29%
- Telecommunications 6%
- Consumer Discretionary 6%
- Health Care 6%
- Consumer Staples 5%
- Financials 4%
- Industrials 4%
- Energy 3%
- Utilities 1%
- Basic Materials 1%
- Real Estate 1%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is led by cash at 35%, then technology at 29%, with the remaining equity split across telecommunications, consumer areas, health care, financials, industrials, energy, utilities, materials, and real estate in modest amounts. This tech tilt is reinforced by the NASDAQ 100 ETF, the dedicated tech ETF, and the direct NVIDIA position. Tech‑heavy allocations often benefit during periods of innovation and economic growth, but they can be more sensitive to interest rate changes and shifts in investor sentiment. The presence of multiple non‑tech sectors helps diversify specific industry shocks, though the tech weighting remains a defining feature of the invested slice.
Regions
- North America 64%
- Cash 35%
This breakdown covers the equity portion of your portfolio only.
Geographically, about 64% of the portfolio’s exposure is to North America, with the balance largely sitting in cash. This creates a strong home bias toward the US market, which has outpaced many regions in recent years and helped performance. Compared with a global market index that spreads more across different regions, this portfolio is more concentrated in one economy and currency. That can simplify understanding the drivers of returns but also ties the equity portion more closely to US economic and policy conditions. The cash portion, if held in dollars, keeps the overall currency picture straightforward but further reinforces the local focus.
Market capitalization
- Mega-cap 28%
- Large-cap 24%
- Mid-cap 9%
- Small-cap 2%
- Micro-cap 1%
This breakdown covers the equity portion of your portfolio only.
By market capitalization, the portfolio leans toward larger companies, with meaningful exposure to mega‑cap and large‑cap stocks, and smaller slices in mid, small, and micro‑caps. Large and mega‑caps tend to be more established businesses, which can make their share prices somewhat more stable and liquid compared with smaller companies. The limited small and micro‑cap exposure means less participation in the most volatile and potentially high‑growth corner of the market, but also fewer sharp swings from that segment. This blend is broadly consistent with market‑cap‑weighted benchmarks, where the biggest companies naturally dominate index weights and therefore drive most performance.
True holdings
-
Part of fund(s):
- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard Information Technology Index Fund ETF Shares
-
AA Apple Inc 2.87%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard Information Technology Index Fund ETF Shares
-
XT BlackRock Cash Funds Treasury SL Agency 2.58%
Part of fund(s):- iShares Trust
-
MS Microsoft Corporation 2.30%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard Information Technology Index Fund ETF Shares
-
AM Amazon.com Inc 1.80%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
-
AV Broadcom Inc 1.38%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard Information Technology Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.37%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
-
ME Meta Platforms Inc. 1.21%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
-
GO Alphabet Inc Class C 1.18%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
-
TS Tesla Inc 1.05%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Broad Market ETF
- Top 10 total 27.27%
This breakdown covers the equity portion of your portfolio only.
Looking through the ETFs’ top holdings, NVIDIA stands out with a total exposure of about 11.5%, combining the direct stock position (7.96%) and its presence in the ETFs. Several other large US tech and consumer names appear across multiple funds, but each at relatively modest individual weights. Overlap is based only on ETF top‑10s, so overall duplication is likely understated. The key takeaway is that, even though the portfolio uses multiple funds, some underlying companies show up more than once, creating hidden concentration. This matters because the behaviour of a few big names, especially NVIDIA, can disproportionately shape overall returns compared with their surface‑level position sizes.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
Factor exposure scores sit in the “neutral” band across value, size, momentum, quality, yield, and low volatility, all hovering around the 40–60% range. Factors are like investing “ingredients” — characteristics such as cheapness (value) or price strength (momentum) that research has linked to returns. Neutral scores suggest this portfolio broadly resembles the wider market’s mix of these ingredients rather than leaning heavily into any one style. That alignment can be positive because it avoids strong bets on specific factor environments, such as relying heavily on high dividend or low‑volatility stocks. Instead, performance is likely driven more by market direction, sector tilts, and a few concentrated holdings than by factor strategies.
Risk contribution
-
Schwab U.S. Broad Market ETF
Weight: 25.44% 32.3% -
Invesco NASDAQ 100 ETF
Weight: 18.27% 30.1% -
NVIDIA Corporation
Weight: 7.96% 26.2% -
Schwab U.S. Dividend Equity ETF
Weight: 12.56% 9.9% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 0.81% 1.5% - Top 5 risk contribution 100.0%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the top three holdings by weight — the broad US ETF, NASDAQ 100 ETF, and NVIDIA — account for nearly 89% of total portfolio risk. NVIDIA is particularly notable: at just under 8% weight it contributes over 26% of the risk, more than three times its size. This indicates that despite being a relatively small slice of the total portfolio, it is a dominant source of volatility. In contrast, the dividend ETF has a lower risk‑to‑weight ratio, adding stability relative to its share of assets.
Redundant positions
-
High correlationVanguard Information Technology Index Fund ETF SharesInvesco NASDAQ 100 ETF
The correlation data highlights that the NASDAQ 100 ETF and the tech‑focused Vanguard ETF move almost identically. Correlation measures how similarly two investments move, with high correlation meaning they tend to rise and fall together. When assets are highly correlated, they offer less diversification benefit, because they often react in the same way during market shocks. In this portfolio, the tech ETFs effectively behave as a single engine for that part of the allocation. That can be efficient if the goal is to strengthen a specific theme but provides less cushioning within that slice if the tech segment experiences a sharp reversal or a prolonged downturn.
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 risk‑return chart compares the current mix with an “efficient frontier,” which shows the best return achievable at each risk level using these same holdings. The portfolio sits about 3.84 percentage points below that frontier at its current volatility, meaning that, historically, different weightings of these same assets could have delivered higher expected returns for similar risk. The current Sharpe ratio — a measure of return per unit of volatility — is 0.82, lower than the maximum Sharpe portfolio shown in the chart. The presence of a very low‑risk, low‑return minimum variance point also reflects how much the large cash component can reduce volatility when weighted more heavily.
Dividends
- Invesco NASDAQ 100 ETF 0.50%
- Schwab U.S. Broad Market ETF 1.10%
- Schwab U.S. Dividend Equity ETF 3.40%
- iShares Trust 3.90%
- Vanguard Information Technology Index Fund ETF Shares 0.40%
- Weighted yield (per year) 2.16%
The blended dividend yield for the portfolio’s funds is about 2.16%, with income‑oriented holdings like the iShares trust and the Schwab dividend ETF paying the higher yields. Yield measures the cash payments investors receive each year as a percentage of the investment value. While dividends are only one part of total return, they can provide a steady stream of income, especially when reinvested to buy more shares over time. In this case, the yield is moderate overall, reflecting the mix of growth‑oriented tech exposure, which tends to pay less, and dividend strategies, which focus more on regular cash distributions from established companies.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- Schwab U.S. Broad Market ETF 0.03%
- Schwab U.S. Dividend Equity ETF 0.06%
- iShares Trust 0.07%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Weighted costs total (per year) 0.07%
Portfolio costs are low, with a total expense ratio (TER) around 0.07%. TER is the annual fee charged by funds as a percentage of assets — like a small ongoing service fee. Individual fund costs range from 0.03% to 0.15%, all in a competitive range for index‑style ETFs. Low costs matter because they come off returns every year; even small differences can compound into noticeable gaps over long periods. Here, the fee drag is minimal, which supports better retention of whatever gross return the market delivers. This cost profile is a strong positive and aligns well with best practices for long‑term, broadly diversified portfolios.
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!
Compare your holdings
How much do the funds you hold actually overlap with the ones people weigh them against?
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