Concentrated US growth portfolio with strong small cap tilt and high equity income focus
Report created on May 17, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
FI FIDELITY TELECOM AND UTILITIES FUND FIDELITY TELECOM AND UTILITIES FUND
FIUIX - US3161281072 20.00% -
PR T. ROWE PRICE QM U.S. SMALL-CAP GROWTH EQUITY FUND T. ROWE PRICE QM U.S. SMALL-CAP GROWTH EQUITY FUND
PRDSX - US7799171035 20.00% -
PR T. ROWE PRICE GLOBAL TECHNOLOGY FUND INC. T. ROWE PRICE GLOBAL TECHNOLOGY FUND INC.
PRGTX - US7414941085 20.00% -
VE VANGUARD EXPLORER VALUE FUND INVESTOR SHARES
VEVFX - US92206C7487 20.00% -
VQ VANGUARD GROWTH AND INCOME FUND INVESTOR SHARES
VQNPX - US9219131094 20.00%
This portfolio is built from five actively managed equity mutual funds, each at a 20% weight. Nearly all exposure is in stocks, with only a tiny slice in “other” assets, so it behaves very much like a pure equity portfolio. Two funds focus on growth, one leans into value, one targets global technology, and one specializes in telecom and utilities. That combination mixes more cyclical, growth-oriented themes with steadier, income-oriented sectors. Because there are only five funds and all are active, the structure is concentrated in both manager skill and style choices. The equal weighting keeps any single fund from dominating, but the shared growth orientation gives the whole portfolio a clear risk-on character.
Growth
Over the 2016–2026 period, $1,000 grew to about $4,286, which translates to a compound annual growth rate (CAGR) of 15.72%. CAGR is like the steady yearly speed your money would have needed to reach that final value. This narrowly lagged the US market by 0.07% per year but beat the global market by a healthy margin. The maximum drawdown of about -35% during early 2020 shows that the portfolio can fall sharply in stress periods, similar to broad equities. Recovering from that drop in roughly five months is relatively quick, consistent with a growth-heavy profile. Remember, these numbers describe the past; future paths can be very different, especially around sharp market shocks.
Projection
The Monte Carlo projection uses many random simulations based on historical returns and volatility to show a range of possible 15‑year outcomes. Think of it as repeatedly “replaying” the future with shuffled return patterns to see how things might unfold, not how they will. Here, the median scenario turns $1,000 into about $2,630, with most simulations landing between roughly $1,768 and $3,964. The broad 5–95% range, from about $990 to $7,426, highlights the uncertainty inherent in equity-heavy portfolios. An average simulated annual return of 7.85% is notably lower than the backtested 15.7% CAGR, underlining that very strong past returns shouldn’t be assumed going forward.
Asset classes
- Stocks 98%
- Other 2%
Asset class breakdown is extremely straightforward: about 98% in stocks and 2% in other assets. That means returns and risk are almost entirely driven by equity markets, with little dampening from bonds or cash-like holdings. Equity-dominant allocations tend to have higher long-term growth potential but also larger swings along the way. Compared with diversified multi‑asset benchmarks that blend stocks and bonds, this portfolio is clearly on the growth side of the spectrum. The high equity share lines up with the observed drawdown and volatility metrics and also explains why the portfolio’s long-run behavior tracks closer to stock indices than to more balanced allocations.
Sectors
- Technology 32%
- Utilities 15%
- Industrials 10%
- Financials 9%
- Telecommunications 9%
- Health Care 8%
- Consumer Discretionary 8%
- Energy 3%
- Consumer Staples 2%
- Real Estate 2%
- Basic Materials 2%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is led by technology at 32%, followed by utilities at 15%, then a spread across industrials, financials, health care, consumer sectors, and smaller slices elsewhere. A tech weight in the low‑30% range is higher than broad global benchmarks, while the combination of utilities and telecom is also noticeably elevated. Tech-heavy allocations often benefit during innovation and growth cycles but can be sensitive to interest rate moves and sentiment shifts. Utilities and telecom, by contrast, are usually considered steadier, more income-focused sectors. This blend creates an interesting mix: higher-growth, more volatile segments paired with traditionally defensive, cash-generating areas, which can help smooth some—but not all—equity volatility.
Regions
- North America 92%
- Asia Developed 3%
- Europe Developed 3%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, the portfolio is overwhelmingly focused on North America at 92%, with only small allocations to developed Europe and Asia, plus a sliver in Latin America. This is a clear home‑bias profile, much more US‑centric than global market indices, where non‑US stocks make up a much larger share. A US tilt has been rewarding over the past decade, matching the strong performance versus global benchmarks. However, it also means economic, regulatory, and currency exposure is concentrated in one main region. If US markets lag other areas for a period, this portfolio won’t benefit much from strength elsewhere, because the non‑US weights are relatively small in comparison.
Market capitalization
- Small-cap 23%
- Mid-cap 23%
- Mega-cap 20%
- Large-cap 19%
- Micro-cap 10%
This breakdown covers the equity portion of your portfolio only.
Market capitalization exposure is well spread, with meaningful stakes in small caps (23%), micro caps (10%), mid caps (23%), and still substantial allocations to mega and large caps. This is a stronger tilt toward smaller companies than a typical broad market index, which tends to be dominated by mega and large caps. Smaller stocks historically can offer higher growth but often come with more volatility and liquidity risk. The presence of micro caps adds another layer of potential swings, as these companies can be especially sensitive to economic conditions and investor sentiment. At the same time, the sizable mega and large-cap positions help anchor the portfolio in more established businesses.
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 is fairly balanced overall, with the one standout being size at 73%, indicating a mild tilt toward smaller companies versus the broad market. Factor investing looks at characteristics such as value, momentum, and quality that help explain why some stocks behave differently over time. Here, value, momentum, quality, and low volatility all sit around neutral, so there’s no strong leaning toward cheap, fast‑rising, or particularly stable stocks. Yield shows as low, at 25%, meaning the portfolio as a whole is less tilted to high dividend payers than the market, despite some income‑oriented sectors. The size tilt suggests returns may be more sensitive to small‑cap cycles than a typical market‑cap‑weighted index.
Risk contribution
-
T. ROWE PRICE GLOBAL TECHNOLOGY FUND INC. T. ROWE PRICE GLOBAL TECHNOLOGY FUND INC.
Weight: 20.00% 25.2% -
T. ROWE PRICE QM U.S. SMALL-CAP GROWTH EQUITY FUND T. ROWE PRICE QM U.S. SMALL-CAP GROWTH EQUITY FUND
Weight: 20.00% 22.0% -
VANGUARD EXPLORER VALUE FUND INVESTOR SHARES
Weight: 20.00% 21.5% -
VANGUARD GROWTH AND INCOME FUND INVESTOR SHARES
Weight: 20.00% 18.4% -
FIDELITY TELECOM AND UTILITIES FUND FIDELITY TELECOM AND UTILITIES FUND
Weight: 20.00% 12.9%
Risk contribution shows how much each holding adds to the portfolio’s overall ups and downs, which can differ from simple weights. The global technology fund contributes about 25% of total risk despite being 20% by weight, so its risk impact is meaningfully above proportional. The small‑cap growth and explorer value funds also contribute slightly more risk than their allocations, reflecting their higher volatility. In contrast, the telecom and utilities fund contributes only about 13% of risk, less than its 20% weight, acting as a relative stabilizer. Overall, the top three funds account for nearly 69% of total risk, showing that a handful of positions drive most of the portfolio’s variability.
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 shows the current portfolio sitting on or very close to the efficient frontier. The efficient frontier represents the best expected return for each risk level using just these holdings in different mixes. The portfolio’s Sharpe ratio of 0.67, which measures return per unit of volatility above a risk‑free rate, is a bit below the optimal mix at 0.84 but not dramatically off. The minimum variance version delivers lower risk with a somewhat lower return yet still a stronger Sharpe than the current allocation. The key takeaway is that, given these five funds, the existing blend is already broadly efficient, with only modest room for risk‑adjusted fine‑tuning via reweighting.
Dividends
- FIDELITY TELECOM AND UTILITIES FUND FIDELITY TELECOM AND UTILITIES FUND 9.10%
- T. ROWE PRICE QM U.S. SMALL-CAP GROWTH EQUITY FUND T. ROWE PRICE QM U.S. SMALL-CAP GROWTH EQUITY FUND 5.70%
- VANGUARD EXPLORER VALUE FUND INVESTOR SHARES 9.40%
- VANGUARD GROWTH AND INCOME FUND INVESTOR SHARES 9.90%
- Weighted yield (per year) 6.82%
On paper, the portfolio’s total dividend yield is reported at 6.82%, which is very high for an equity‑heavy mix, especially one with substantial growth and small‑cap exposure. Dividend yield is the annual cash payout as a percentage of current price; over time, dividends can make up a big part of total return, particularly if reinvested. The standout yields come from the telecom, utilities, explorer value, and growth‑and‑income funds. High yields can reflect strong, stable cash flows—but sometimes they also signal market expectations of slower growth or elevated risk. It’s also worth remembering that fund yields can fluctuate year to year as distributions and prices change.
Ongoing product costs
- FIDELITY TELECOM AND UTILITIES FUND FIDELITY TELECOM AND UTILITIES FUND 0.68%
- T. ROWE PRICE QM U.S. SMALL-CAP GROWTH EQUITY FUND T. ROWE PRICE QM U.S. SMALL-CAP GROWTH EQUITY FUND 0.80%
- T. ROWE PRICE GLOBAL TECHNOLOGY FUND INC. T. ROWE PRICE GLOBAL TECHNOLOGY FUND INC. 0.93%
- VANGUARD EXPLORER VALUE FUND INVESTOR SHARES 0.54%
- VANGUARD GROWTH AND INCOME FUND INVESTOR SHARES 0.39%
- Weighted costs total (per year) 0.67%
The average ongoing cost, or TER (Total Expense Ratio), across the funds is about 0.67% per year. TER is the annual fee charged by mutual funds to cover management and operating expenses, taken out of returns in the background. This level is higher than many low‑cost index funds but quite typical for actively managed strategies targeting specific sectors, size segments, or styles. Costs compound over time, so even differences of a few tenths of a percent can add up over long periods. Here, the more expensive funds, such as the global technology and small‑cap growth strategies, are balanced somewhat by the lower‑fee Vanguard options, leading to a mid‑range overall cost.
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