A growth focused stock portfolio with strong tech tilt and impressively low ongoing costs

Report created on Jan 3, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is 100% in stock ETFs with a clear growth flavor and a meaningful tech tilt. The largest holding is a broad U.S. market fund at 40%, supported by dedicated slices in small-cap value, technology, semiconductors, and both developed and emerging international stocks. Compared with a typical global equity benchmark, this setup is more concentrated in the U.S. and in technology, but still broadly diversified across sectors and company sizes. This structure is well-aligned with a growth profile and offers strong long-term upside, but it can swing more than a classic balanced mix. Keeping a clear written plan for rebalancing and drawdown tolerance helps manage those inevitable ups and downs.

Growth Info

Historically, the portfolio has delivered a strong 13.48% Compound Annual Growth Rate (CAGR), which is the average yearly growth rate over time, similar to calculating a car’s average speed on a long trip. A -27.72% max drawdown shows that while returns have been attractive, the ride has included meaningful declines, typical for equity-heavy growth approaches. The fact that just 14 days make up 90% of returns highlights how missing a few strong days can meaningfully hurt results. Past performance can’t guarantee future outcomes, but this track record suggests the structure has been rewarded. Staying consistently invested and resisting the urge to time the market is especially important with a profile this growth oriented.

Projection Info

The Monte Carlo analysis runs 1,000 randomized simulations using historical return and volatility patterns to estimate possible future paths. Think of it as testing many “what if” timelines, not as a crystal ball. Here, 968 out of 1,000 simulations showed positive returns, and the average annualized return across all runs was 15.06%. The 5th percentile result of 18.9% and median (50th percentile) of 414.5% illustrate a wide range of outcomes, from modest growth to large gains. These numbers can help set expectations, but they’re still based on the past. Treat them as planning tools, not promises, and consider stress-testing your plan against weaker-than-expected scenarios.

Asset classes Info

  • Stocks
    100%

All assets here are in stocks, with 0% in bonds or cash, which is very growth-heavy compared with many benchmarks that mix in meaningful bonds for stability. A 100% equity allocation often suits longer time horizons and higher risk tolerance, but it does mean larger short-term drawdowns are possible, especially during bear markets. On the plus side, this setup maximizes exposure to long-term equity growth and aligns well with a growth profile classification. On the flip side, there’s no built-in ballast to soften equity downturns. Some investors handle this by keeping separate cash or short-term reserves outside this portfolio, so they are not forced to sell stocks at unfavorable times.

Sectors Info

  • Technology
    42%
  • Financials
    14%
  • Consumer Discretionary
    9%
  • Industrials
    9%
  • Health Care
    6%
  • Telecommunications
    6%
  • Energy
    5%
  • Consumer Staples
    4%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    1%

Sector-wise, technology stands out at 42%, with additional targeted exposure via a dedicated tech ETF and a semiconductor ETF. Financial services, consumer cyclicals, and industrials offer reasonable secondary weights, while defensive areas like healthcare, consumer defensive, and utilities hold smaller positions. Compared with common benchmarks, this is clearly more tech-heavy, which can boost returns in innovation-driven bull markets but may hurt more when interest rates rise or when sentiment turns against growth companies. The strong tilt is a deliberate growth driver. Reviewing whether this level of tech concentration matches your comfort with volatility and potential drawdowns can help keep expectations realistic during choppier market periods.

Regions Info

  • North America
    79%
  • Europe Developed
    8%
  • Asia Emerging
    4%
  • Asia Developed
    3%
  • Japan
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, the portfolio is anchored in North America at 79%, with developed Europe, Japan, and other developed regions adding modest exposure, plus emerging markets at a smaller share. This pattern is more U.S.-centric than many global benchmarks, which often allocate closer to 55–65% to the U.S. The upside is familiarity, strong historical performance from U.S. markets, and alignment with a U.S.-based investor profile. The trade-off is higher dependence on a single region’s economic and policy environment. The inclusion of both international developed and emerging markets is a positive step toward diversification. Periodically checking whether the U.S.–international split still matches your long-term views and risk tolerance can be helpful.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    27%
  • Mid-cap
    15%
  • Small-cap
    11%
  • Micro-cap
    9%

By market cap, there’s a healthy spread: 37% mega cap, 27% big, 15% medium, 11% small, and 9% micro. This is more tilted to smaller companies than a typical large-cap benchmark, which usually has far more in mega and big caps. Smaller and micro-cap stocks often come with higher volatility but can offer higher long-term growth potential and stronger sensitivity to economic recoveries. The dedicated small-cap value ETF especially amplifies this tilt. This blend supports broad diversification across company sizes and aligns nicely with a growth-oriented style. Keeping an eye on how small and micro caps behave during severe downturns can help you stay comfortable holding them through rough patches.

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.

Given the current mix, the portfolio looks like it’s already placed fairly close to the Efficient Frontier for an all-equity lineup. The Efficient Frontier is a curve showing the best possible trade-off between risk (volatility) and return using the existing building blocks, not necessarily maximizing diversification or other goals. With broad U.S., small value, tech, semis, and international exposure, the structure makes good use of different equity risk factors. There could be small ways to nudge the mix for slightly better risk-return, such as fine-tuning the balance between concentrated tech bets and broad funds, but the overall positioning is consistent with a high-growth, efficiency-focused approach.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.60%
  • Fidelity® MSCI Information Technology Index ETF 0.40%
  • Schwab U.S. Broad Market ETF 1.10%
  • Schwab International Equity ETF 3.40%
  • Invesco PHLX Semiconductor ETF 0.50%
  • SPDR® Portfolio Emerging Markets ETF 2.70%
  • Weighted yield (per year) 1.43%

The overall dividend yield sits at about 1.43%, which is modest and in line with a growth-oriented equity portfolio. Yield comes mainly from the international and emerging markets ETFs, plus the small-cap value slice, while the tech and semiconductor funds contribute relatively little income. Dividends are useful because they add a steady cash component to returns, but high yield is not the main focus here. Instead, the emphasis is on capital appreciation. This alignment makes sense for someone prioritizing long-term growth over current income. If, over time, income needs become more important, tilting slightly toward higher-yielding holdings or allocating a portion to income-focused strategies could complement this setup.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Fidelity® MSCI Information Technology Index ETF 0.08%
  • Schwab U.S. Broad Market ETF 0.03%
  • Schwab International Equity ETF 0.06%
  • Invesco PHLX Semiconductor ETF 0.19%
  • SPDR® Portfolio Emerging Markets ETF 0.07%
  • Weighted costs total (per year) 0.09%

The cost profile is a major strength. With a total expense ratio (TER) of about 0.09%, this portfolio is cheaper than many actively managed options and even below a lot of blended ETF portfolios. TER is the annual fee charged by funds as a percentage of assets, and keeping it low helps more of your returns stay in your pocket, especially when compounding over decades. Each individual ETF’s fee is quite competitive, and the largest holding is the cheapest, which is very efficient. This cost structure strongly supports long-term performance. Staying mindful of fees if you add or swap funds in the future can help preserve this advantage.

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