High growth US stock portfolio with heavy technology tilt and very limited historical track record
Report created on Jul 15, 2026Risk profile
5/7
Diversification profile
2/5
Positions
-
FX Fidelity 500 Index Fund
FXAIX - US3159117502 82.00% -
QQ Invesco QQQ Trust
QQQ - US46090E1038 17.00% -
SP Fidelity® Government Money Market Fund
SPAXX - US31617H1023 1.00%
This portfolio is very streamlined, with almost everything in two US stock funds and a tiny slice in cash-like holdings. Around four-fifths sits in a broad US large‑cap index fund, while just under one‑fifth is in a more growth‑oriented fund focused on a narrower slice of the market. Only about 1% is in a government money market fund, which behaves more like cash. This kind of concentration in a few vehicles makes the structure easy to understand and track. At the same time, because all major positions share a similar region and style, the overall behaviour is likely to be driven by one main engine: US large growth companies, especially in technology and related areas.
Growth
Over the roughly 10‑month period available, a hypothetical $1,000 in this portfolio grew to about $1,207, implying a very high annualised growth rate (CAGR) of 73.55%. CAGR is like the average speed of a road trip, smoothing out bumps along the way. The maximum drawdown, at -6.75%, was relatively mild for an equity‑heavy mix, with recovery happening within about a month. The portfolio slightly outpaced both the US and global market benchmarks in this short window. Because less than a year of data is used, these figures mainly describe a strong recent run rather than a reliable long‑term pattern, and shouldn’t be assumed to repeat.
Projection
The Monte Carlo projection uses that short history to simulate many possible 15‑year paths for a $1,000 investment. Monte Carlo is basically a “what if” machine: it randomly shuffles returns based on past patterns to see a range of future outcomes. Here, the median result lands around $2,764, with most simulations between roughly $1,873 and $4,211, and a wide overall band stretching from about $994 to $7,792. The average annualised return across simulations is 8.15%. Because the input history covers only about 10 months, these projections are less reliable than usual; they are best read as a rough illustration of potential variability rather than a forecast.
Asset classes
- Stocks 99%
- Cash 1%
The asset‑class split is extremely straightforward: about 99% in stocks and around 1% in cash‑like holdings. Stocks represent ownership in companies and tend to offer higher long‑term growth potential, but with more short‑term ups and downs. Cash and money market funds usually move very little, acting more as a parking spot than a growth engine. Compared with many diversified mixes that include bonds or other assets, this portfolio leans all‑in on equity risk. That can amplify both gains and losses over time. With only a brief history available, the relatively shallow drawdowns seen so far may not fully show how a nearly all‑stock allocation behaves in more severe market conditions.
Sectors
- Technology 39%
- Telecommunications 12%
- Financials 10%
- Consumer Discretionary 8%
- Health Care 8%
- Industrials 7%
- Consumer Staples 5%
- Energy 3%
- Utilities 2%
- Consumer Discretionary 2%
- Basic Materials 2%
- Real Estate 2%
- Cash 1%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is clearly tilted, with technology accounting for about 39% of equity holdings, well above what many broad global benchmarks show. Telecommunications, financials, consumer discretionary, health care, and industrials provide additional layers, while areas like utilities, basic materials, real estate, and energy have smaller roles. A tech‑heavy profile often benefits during periods of innovation and growth optimism, but can be more sensitive when interest rates rise or sentiment toward growth companies cools. The presence of multiple other sectors does add some balance, yet the portfolio’s behaviour is likely to be strongly influenced by how technology and related communications‑driven businesses perform.
Regions
- North America 98%
- Cash 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, this portfolio is overwhelmingly focused on North America, at about 98%, with the rest in cash‑like holdings. That means returns are closely tied to the health of a single major economy, its currency, and its policy environment. This kind of home‑region focus is common, especially for US‑listed index funds, and it has been rewarding in recent years. However, it also means that developments specific to one market—such as regulatory changes, economic slowdowns, or currency moves—have an outsized impact. Because the performance window is only about 10 months, it captures a slice of one phase in that region’s cycle rather than a full range of global conditions.
Market capitalization
- Mega-cap 47%
- Large-cap 35%
- Mid-cap 17%
- Small-cap 1%
This breakdown covers the equity portion of your portfolio only.
Market‑cap exposure is firmly skewed toward the largest companies, with about 47% in mega‑caps and 35% in large‑caps, leaving 17% in mid‑caps and only 1% in small‑caps. Market capitalisation describes company size; mega‑caps are the global giants whose stock movements often drive major indices. A large‑company tilt often brings more stability and liquidity than a small‑cap tilt, but it can also mean performance is dominated by a relatively small number of well‑known names. The limited historical window has happened during a period when many mega‑cap growth firms have been strong, so recent results may particularly reflect that big‑company leadership rather than a timeless pattern.
True holdings
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NV NVIDIA Corporation 1.38%
Part of fund(s):- Invesco QQQ Trust
-
AA Apple Inc. 1.21%
Part of fund(s):- Invesco QQQ Trust
-
MU Micron Technology Inc 0.86%
Part of fund(s):- Invesco QQQ Trust
-
MS Microsoft Corporation 0.81%
Part of fund(s):- Invesco QQQ Trust
-
AM Amazon.com Inc 0.72%
Part of fund(s):- Invesco QQQ Trust
-
AM Advanced Micro Devices Inc 0.61%
Part of fund(s):- Invesco QQQ Trust
-
GO Alphabet Inc Class A 0.58%
Part of fund(s):- Invesco QQQ Trust
-
TS Tesla Inc 0.55%
Part of fund(s):- Invesco QQQ Trust
- LS 1x Tesla Tracker ETP Securities GBP
-
GO Alphabet Inc Class C 0.54%
Part of fund(s):- Invesco QQQ Trust
-
AV Broadcom Inc 0.51%
Part of fund(s):- Invesco QQQ Trust
- Top 10 total 7.77%
This breakdown covers the equity portion of your portfolio only.
Looking through to the top underlying holdings of the ETF, the biggest identifiable exposures include NVIDIA, Apple, Microsoft, Amazon, Alphabet, and other large technology or technology‑related names. Each of these appears via funds rather than as direct single‑stock positions. Because only the top 10 ETF holdings are captured, overlap is likely understated, but even this partial view shows multiple appearances of the same high‑profile companies. This kind of overlap can create hidden concentration: if several funds hold the same big names, the portfolio’s behaviour will lean strongly toward how those few companies move. With only months of data, that concentration has coincided with strong performance, but it would work both ways in weaker periods.
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.
The factor profile shows very low exposure to the size factor and high exposure to momentum, with low tilts to value, yield, and low volatility. Factors are like underlying “personality traits” of investments that research links to returns. A high momentum tilt means holdings have recently been strong performers; such portfolios often do well in trending markets but can be hit hard when trends reverse abruptly. Very low size exposure reflects a tilt away from smaller companies and toward larger ones, in line with the mega‑ and large‑cap dominance seen elsewhere. Given the brief history, these factor readings are more a snapshot of current composition than a deep, time‑tested pattern.
Risk contribution
-
Fidelity 500 Index Fund
Weight: 82.00% 77.6% -
Invesco QQQ Trust
Weight: 17.00% 22.3% -
Fidelity® Government Money Market Fund
Weight: 1.00% 0.1%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the broad US index fund at 82% weight contributes about 77.55% of total risk, roughly in line with its size. The growth‑oriented ETF, at 17% weight, contributes a higher 22.33% of risk, signalling that it is more volatile than its allocation alone suggests. The money market fund barely moves the needle, adding just 0.12% of risk. This pattern is consistent with a concentrated equity portfolio where one more aggressive growth component adds an extra kick. With only about 10 months of history, these risk shares reflect a short period, not a full market cycle.
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 efficient frontier analysis suggests the current mix sits on or very close to the frontier, meaning it offers a strong balance of risk and return given these specific holdings. The Sharpe ratio—return minus risk‑free rate divided by volatility—stands at 2.84 for the current portfolio, compared with 3.02 for the mathematically optimal mix of the same assets and 1.45 for the minimum‑risk version. This indicates that, within this limited set of funds, the existing weights are already quite efficient for the chosen risk level. However, all these statistics are built on less than a year of data, so they show that the portfolio has been efficient in this recent period, not that it will always sit near the frontier.
Dividends
- Fidelity 500 Index Fund 1.10%
- Invesco QQQ Trust 0.40%
- Fidelity® Government Money Market Fund 2.90%
- Weighted yield (per year) 1.00%
The overall dividend yield for the portfolio is about 1.00%, with the broad index fund at 1.10%, the growth ETF at 0.40%, and the money market fund at 2.90%. Dividend yield is the cash income paid out each year as a percentage of the investment’s price. In this setup, most of the return potential is expected from price movements rather than income, especially because the growth‑tilted fund tends to focus on companies that reinvest earnings instead of paying high dividends. The higher yield on the money market slice is based on short‑term interest rates and applies only to a very small portion of the portfolio. Over the short history, total results have been driven far more by capital gains than dividends.
Ongoing product costs
- Fidelity 500 Index Fund 0.02%
- Invesco QQQ Trust 0.18%
- Fidelity® Government Money Market Fund 0.42%
- Weighted costs total (per year) 0.05%
The portfolio’s costs are impressively low. The broad index fund charges 0.02% per year, the growth ETF 0.18%, and the money market fund 0.42%, for a weighted total expense ratio (TER) of about 0.05%. TER is the ongoing annual fee charged by funds, quietly deducted from returns. Keeping this figure low helps more of any future gains stay in the portfolio rather than going out in fees, and 0.05% is well below many actively managed alternatives. Over long horizons, even fractions of a percent can add up meaningfully through compounding, so this low‑cost foundation is a genuine structural strength, independent of the limited return history.
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