Tech tilted US heavy equity portfolio with strong recent growth and efficient risk adjusted positioning
Report created on Jul 23, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 60.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 25.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 15.00%
This portfolio is made up of three broad equity ETFs, with 60% in a large US index, 25% in a US tech‑heavy index, and 15% in international stocks. That means it is fully invested in shares with no bonds or cash buffers. Structurally, it leans clearly toward the US while still keeping a slice of the rest of the world. A three‑fund structure is simple and easy to understand, which often helps with staying the course during market swings. The mix also means one holding clearly anchors the portfolio, while the other two tilt it toward growth and global diversification without making the overall structure complicated.
Growth
From late 2020 to mid‑2026, a hypothetical $1,000 in this mix grew to about $2,288, which is a compound annual growth rate (CAGR) of 15.48%. CAGR is like your average speed over a long road trip, smoothing out bumps along the way. Over this period the portfolio tracked the US market very closely, lagging by only 0.07% per year, while outpacing the global market by just over 2% annually. The deepest loss along the way, or max drawdown, was about -27%, similar to global stocks. This shows strong results but also reminds that solid long‑term gains can involve painful but temporary declines.
Projection
The Monte Carlo projection uses thousands of simulated paths, based on historical return and volatility patterns, to estimate a range of possible future values. For a $1,000 starting amount over 15 years, the median outcome is about $2,587, with a wide but informative band between roughly $1,716 and $3,959 for the middle half of simulations. This helps illustrate that even with the same strategy, outcomes can vary a lot simply due to market randomness. The model also shows a meaningful chance of only modest growth or near‑flat results. As always, these are statistical scenarios, not forecasts, and actual future markets can differ significantly from the past.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with no allocation to bonds, cash, or alternative assets. Asset classes are the broad “buckets” like equities, fixed income, or real estate that tend to behave differently across economic cycles. A 100% equity stance typically aims for higher long‑term growth but accepts larger short‑term swings and deeper drawdowns. Compared with more mixed stock‑and‑bond blends, this structure will usually be more sensitive to equity bear markets but may benefit more during strong bull runs. The classification as “balanced” here reflects the equity style and diversification inside stocks, rather than a traditional split between stocks and bonds.
Sectors
- Technology 41%
- Financials 10%
- Telecommunications 10%
- Consumer Discretionary 10%
- Industrials 8%
- Health Care 7%
- Consumer Staples 5%
- Energy 3%
- Basic Materials 2%
- Utilities 2%
- Real Estate 1%
Sector‑wise, the portfolio is clearly tilted toward technology at 41%, with the rest spread across financials, telecommunications, consumer areas, industrials, health care, and smaller slices of other sectors. Sector exposure describes which parts of the economy your money is tied to, such as tech, banks, or consumer companies. A tech‑heavy tilt has historically lined up with strong growth periods, especially when innovation and low interest rates support higher valuations, but it can also mean sharper moves when sentiment turns or rates rise. Here, the non‑tech sectors still provide some balance, but day‑to‑day performance is likely to be strongly influenced by how the tech space behaves.
Regions
- North America 85%
- Europe Developed 6%
- Asia Developed 3%
- Japan 2%
- Asia Emerging 2%
- Australasia 1%
Geographically, about 85% of the portfolio is in North America, with limited exposure to Europe, developed Asia, Japan, and emerging Asia. Geography matters because different regions face distinct economic cycles, currencies, and policy environments. This mix is more US‑centric than global benchmarks, which typically give the US closer to 60% of weight. That US tilt has aligned well with recent history, where US markets have led many others, and helps explain performance similar to the domestic benchmark and ahead of the global one. At the same time, smaller allocations elsewhere mean those regions have less impact—positive or negative—on overall returns.
Market capitalization
- Mega-cap 48%
- Large-cap 33%
- Mid-cap 17%
- Small-cap 1%
By company size, nearly half of the portfolio is in mega‑caps, about a third in large‑caps, and a modest slice in mid‑caps, with only 1% in small‑caps. Market capitalization exposure shows whether the portfolio leans toward huge established firms or smaller, more niche companies. Larger companies tend to have more diversified business lines and more stable access to financing, which can dampen volatility compared with very small firms. This structure is therefore anchored in globally dominant names that often drive major indices, with limited influence from smaller, more volatile stocks. It behaves more like a classic large‑cap growth portfolio than a small‑cap or equal‑weight approach.
True holdings
-
NV NVIDIA Corporation 6.51%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc. 5.95%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.77%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.25%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.77%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.32%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 2.29%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.93%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.88%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.66%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 32.33%
Looking through the ETFs, several big names appear prominently, including NVIDIA, Apple, Microsoft, Amazon, Alphabet, Micron, Meta, Tesla, and Broadcom. These top holdings sum to meaningful portions of the portfolio because they appear in multiple funds, especially the S&P 500 and NASDAQ 100 ETFs. Overlap means the same company can effectively be owned twice or three times, which increases hidden concentration even when each ETF seems diversified on its own. Since only ETF top‑10 holdings are captured, the true overlap across all positions is likely a bit higher. This helps explain why portfolio behavior often mirrors the ups and downs of a handful of large tech‑related companies.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility is broadly neutral, hovering around market‑like levels. Factors are like underlying “character traits” of stocks—such as being cheap, fast‑rising, stable, or high‑dividend—that academic research links to long‑term returns. In this case, there is no strong tilt toward or away from any one factor, so the portfolio is not systematically leaning into a specific style such as deep value, high momentum, or high dividend. That makes its behavior more similar to broad market indices, with performance driven more by overall market direction and sector/region tilts than by specialized factor strategies.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 60.00% 57.0% -
Invesco NASDAQ 100 ETF
Weight: 25.00% 31.2% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 15.00% 11.8%
Risk contribution shows how much each holding drives the portfolio’s total ups and downs, which can differ from its weight. Here, the S&P 500 ETF is 60% of the portfolio and contributes about 57% of the risk, so its impact on volatility matches its size fairly closely. The NASDAQ 100 ETF is 25% of the weight but adds about 31% of the risk, reflecting its more volatile, growth‑oriented holdings. The international ETF contributes slightly less risk than its 15% weight. This pattern highlights how growth‑heavy components can punch above their weight in driving swings, even when they aren’t the largest holding by dollars.
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.
On the risk‑versus‑return chart, the current portfolio sits on or very close to the efficient frontier. The efficient frontier represents combinations of the existing holdings that offer the best expected return for each level of risk. Sharpe ratio, which adjusts return for volatility using a risk‑free rate, is 0.69 for the current mix and higher for the mathematically optimal blend. However, the gap is modest, and the analysis signals that, for these three funds, the current weights already make reasonably efficient use of risk. This suggests the main drivers of outcome are market performance and time in the market, not fine‑tuning among the existing funds.
Dividends
- Invesco NASDAQ 100 ETF 0.40%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.60%
- Weighted yield (per year) 1.15%
The overall dividend yield is about 1.15%, with the international ETF offering the highest yield and the NASDAQ 100 ETF the lowest. Dividend yield is the cash income paid out each year as a percentage of your investment, like rent from owning a property. In this portfolio, dividends are a relatively small slice of total return compared with potential price growth, which fits with its growth‑oriented, large‑cap and tech‑tilted profile. Over time, even modest dividends can add up, especially when reinvested, but the main story here is capital appreciation rather than income generation.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.06%
The portfolio’s total ongoing cost, or TER, is about 0.06% per year, which is very low by equity fund standards. TER (Total Expense Ratio) is like a small annual service charge that comes out of returns before they reach the investor. Keeping this figure low helps more of the market’s growth stay in the portfolio rather than going to fees, and the effect compounds over many years. The individual ETFs are all low‑cost index products, which is consistent with a cost‑conscious, passive approach. Overall, the cost structure is a strong positive feature and supports better long‑term performance potential relative to higher‑fee alternatives.
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