Concentrated US stock portfolio mixing growth technology and dividend tilt with efficient risk return balance

Report created on Apr 14, 2026

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.

Positions

This portfolio is very simple: four US stock ETFs, each at 25%, all from the same provider. Everything is in equities, with no bonds, cash, or alternatives. Two funds track broad US markets in slightly different ways, one focuses on technology, and one focuses on higher‑dividend companies. That structure makes it easy to understand and manage, and the even 25% weights keep things straightforward. The flip side is that simplicity comes with concentration: all risk is tied to one country and one asset class. For someone relying on this as a core portfolio, adding other asset types elsewhere in their finances can help smooth the ride.

Growth Info

From 2016 to early 2026, $1,000 grew to about $4,327, a compound annual growth rate (CAGR) of 15.85%. CAGR is like your average “speed” over the whole trip, smoothing out bumps along the way. That’s meaningfully ahead of both the US market (14.42%) and the global market (11.91%) over the same period. The worst drop, or max drawdown, was about -34% during early 2020, similar to the benchmarks, with a quick four‑month recovery. This shows strong long‑term growth but sizable short‑term swings. Past performance can’t predict the next decade, but it does show this mix has handled volatility comparably to the wider market while delivering higher returns.

Projection Info

The forward projection uses a Monte Carlo simulation, which basically reruns history thousands of times with random variations to explore many possible futures. It’s like rolling loaded dice based on past returns and volatility to see a range of outcomes. Over 15 years, the median path turns $1,000 into about $2,779, with a wide but plausible range from roughly $1,838 to $4,277 in the middle 50% of scenarios. There’s about a 75% chance of ending with a gain. The average annualized return across simulations is 8.18%, noticeably lower than the backward‑looking 15.85% CAGR, underlining that recent returns were unusually strong and unlikely to repeat indefinitely.

Asset classes Info

  • Stocks
    100%

All of this portfolio is in stocks, with 0% in bonds, cash, or alternative assets. Equities are the main long‑term growth engine in most portfolios, but they also drive most of the volatility. Holding only stocks means that in severe market downturns there’s nothing inherently defensive here to cushion falls. On the positive side, this pure‑equity stance matches the “Growth Investor” risk classification and is consistent with a long‑term, return‑focused mindset. For shorter time horizons or steadier income needs, people often mix in more stable asset classes elsewhere so they’re not forced to sell stocks during rough patches.

Sectors Info

  • Technology
    44%
  • Financials
    11%
  • Health Care
    8%
  • Industrials
    8%
  • Consumer Discretionary
    7%
  • Telecommunications
    6%
  • Consumer Staples
    6%
  • Energy
    4%
  • Utilities
    3%
  • Basic Materials
    2%
  • Real Estate
    1%

Sector-wise, technology makes up about 44% of the equity exposure, with the rest spread across financials, health care, industrials, consumer areas, energy, utilities, materials, and real estate. That tech weight is well above broad US market norms, which is where the strong historical outperformance likely comes from. Tech‑heavy portfolios tend to shine when innovation is rewarded and interest rates are low or stable, but they can be more volatile when rates rise or when markets rotate toward more defensive areas. The diversified non‑tech slice is still meaningful, yet the portfolio’s behavior will be heavily shaped by what happens in the technology space.

Regions Info

  • North America
    99%
  • Europe Developed
    1%

Geographically, the picture is extremely concentrated: about 99% in North America and only 1% in developed Europe, with no meaningful exposure elsewhere. The global stock market is far more spread out across regions, so this is a strong home‑country tilt. That’s worked very well over the past decade because US companies have led global performance, especially in technology. The trade‑off is that economic, regulatory, or currency shocks focused on the US would hit almost every holding at once. A setup like this fits someone deliberately betting on the US but might feel narrow if the goal is broad, world‑style diversification.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    35%
  • Mid-cap
    18%
  • Small-cap
    5%
  • Micro-cap
    2%

By market capitalization, the portfolio leans toward bigger companies: roughly 40% mega‑cap, 35% large‑cap, and the rest in mid, small, and micro‑caps. That’s reasonably similar to the overall US market, with a modest tilt toward the very largest names because of their dominance in the tech and broad‑market funds. Larger companies tend to be more stable and widely followed, while smaller ones can offer higher potential growth but bumpier rides. This blend means most risk and return will be driven by giant, familiar firms, while the smaller allocations add a bit of extra dynamism without dominating the portfolio’s behavior.

True holdings Info

  • NVIDIA Corporation
    7.89%
    Part of fund(s):
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    7.09%
    Part of fund(s):
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    4.94%
    Part of fund(s):
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    3.93%
    Part of fund(s):
    • Vanguard High Dividend Yield Index Fund ETF Shares
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    1.63%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    1.46%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    1.16%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    1.13%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    0.91%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • JPMorgan Chase & Co
    0.85%
    Part of fund(s):
    • Vanguard High Dividend Yield Index Fund ETF Shares
  • Top 10 total 30.97%

Looking through the ETFs, a handful of big names dominate the visible exposure: NVIDIA, Apple, Microsoft, Broadcom, Amazon, Alphabet, Meta, Tesla, and JPMorgan. Several of these appear in multiple funds, so their combined impact is larger than it first looks. For example, NVIDIA and Apple together account for roughly 15% of the portfolio’s look‑through exposure, driven heavily by the tech ETF. Because only ETF top‑10 holdings are included, the true overlap is likely higher. This kind of “hidden concentration” means that when a few mega‑cap stocks move sharply, the whole portfolio feels it more than a simple four‑ticker list suggests.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 100%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Neutral
Data availability: 100%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Across investment factors, the portfolio sits almost exactly at “neutral” for value, size, momentum, quality, yield, and low volatility. Factor exposure is basically how much a portfolio leans into certain characteristics that research has linked to returns over time, like favoring cheap stocks (value) or steady ones (low volatility). Here, there are no strong tilts in any direction; the mix behaves much like the broad market on these dimensions. That’s a strength if the goal is not to place specific style bets. It also means performance will be driven more by sector and geographic choices than by factor strategies.

Risk contribution Info

  • Vanguard Information Technology Index Fund ETF Shares
    Weight: 25.00%
    31.2%
  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 25.00%
    24.6%
  • Vanguard S&P 500 ETF
    Weight: 25.00%
    24.2%
  • Vanguard High Dividend Yield Index Fund ETF Shares
    Weight: 25.00%
    20.0%

Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ from its weight. The tech ETF is 25% of the allocation but contributes about 31% of total risk, meaning each dollar there adds more volatility than the others. The broad US funds contribute roughly in line with their weights, while the high dividend ETF adds less risk than its 25% share. Overall, the top three funds account for around 80% of the portfolio’s total risk. Someone wanting to dial back sensitivity to tech‑led swings could tweak position sizes, while keeping in mind the current mix is still reasonably balanced.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

Correlation measures how closely assets move together. Here, the S&P 500 ETF and the Total Stock Market ETF are highly correlated — they “dance” almost identically because they hold very similar baskets of US stocks with slightly different coverage. That tight linkage means they don’t add much diversification relative to each other, even though they’re separate tickers. The real differentiators are the tech and high‑dividend funds, which tilt sector and style exposure. The overall diversification score of 2/5 reflects that many holdings are variations on the same theme rather than fundamentally different risk drivers.

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‑return chart, this portfolio sits right on or very near the efficient frontier, which is the curve showing the best possible return for each risk level using the existing holdings. The Sharpe ratio, a measure of return per unit of risk above the risk‑free rate, is 0.65 for the current mix. The maximum‑Sharpe combination would take more risk for more return, while the minimum‑variance mix would slightly lower risk and return. Since the current allocation is already efficient, any changes would be about personal comfort with risk or preferences for income and diversification, not about fixing a clearly suboptimal design.

Dividends Info

  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard High Dividend Yield Index Fund ETF Shares 2.30%
  • Weighted yield (per year) 1.15%

The portfolio’s overall dividend yield is about 1.15%, only slightly above the broad US market. The high dividend ETF, at roughly 2.3% yield, helps boost income compared with the very low‑yield tech ETF (about 0.1%), while the broad‑market funds sit around 1.1%. Dividends can be useful for investors who like cash flow without selling shares, but they’re only one part of total return, alongside price gains. In this mix, income plays a supporting role rather than being the main objective, which is consistent with a growth‑oriented, stock‑focused approach that relies more on capital appreciation than on regular payouts.

Ongoing product costs Info

  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard High Dividend Yield Index Fund ETF Shares 0.06%
  • Weighted costs total (per year) 0.06%

Costs are impressively low: the total expense ratio (TER) averages about 0.06% per year across the four ETFs. TER is the annual fee charged by a fund, and keeping it small means more of the portfolio’s returns stay in your pocket. Many active funds charge 0.75% or more; this setup is closer to the rock‑bottom end of the spectrum. Over decades, even small fee differences compound into large dollar amounts, especially on growing balances. From a cost perspective, this structure is a real positive — it supports better long‑term performance and aligns well with evidence favoring low‑fee, broadly diversified index investing.

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