High growth equity portfolio with strong quality tilt and concentrated tech driven return profile

Report created on Mar 28, 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

The portfolio is 100% in equities, split between broad low-cost ETFs and a handful of large individual growth names. Roughly half sits in diversified index funds, while the other half is in specific stocks that lean heavily toward tech and modern digital platforms. That mix creates a barbell: broad-market “core” plus high-octane “satellite” positions. This structure matters because the ETFs give baseline diversification while single stocks drive a lot of the upside and downside. For someone seeking growth, that’s a common and logical setup, but it does mean performance will be quite sensitive to a small group of companies and to equity market cycles overall.

Growth Info

Over the recent two-year or so window, the portfolio has been extremely strong: $1,000 grew to about $1,535, with a compound annual growth rate (CAGR) of 23.63%. CAGR is the “average yearly speed” of growth over the period. That handily beats both the US market and the global market, which were in the low teens. The trade-off is a max drawdown of -23.9%, steeper than the benchmarks. Drawdown is the worst peak-to-trough fall you’d have had to sit through. This pattern—big outperformance with deeper dips—is typical for a growth-heavy equity mix and requires emotional resilience in rough patches.

Asset classes Info

  • Stocks
    100%

All capital is in a single asset class: stocks. That gives maximum exposure to long-term growth but also full exposure to equity market downturns, with no built-in cushion from bonds or cash-like assets. Against common diversified “all-in-one” mixes, this is a more aggressive stance because there’s no stabilizer when markets sell off. For long horizons, a pure-equity setup can still make sense, but it requires stomach for volatility and no near-term need for the money. If a smoother ride becomes more important later, gradually introducing other asset classes can help dampen swings without giving up the core growth engine.

Sectors Info

  • Technology
    35%
  • Telecommunications
    29%
  • Financials
    10%
  • Consumer Discretionary
    9%
  • Industrials
    5%
  • Health Care
    4%
  • Consumer Staples
    2%
  • Energy
    2%
  • Basic Materials
    2%
  • Utilities
    1%
  • Real Estate
    1%

Sector exposure is dominated by technology and communication-style businesses, which together make up well over half the portfolio, with smaller slices in financials, consumer areas, and more defensive groups like health care and utilities. Compared with broad global benchmarks, that’s a clear growth and innovation tilt rather than a balanced “economy-wide” exposure. This can be very rewarding when tech and digital businesses are leading the market, as they have often done recently, but it also raises vulnerability to shifts in interest rates, regulation, or sentiment toward high-growth, high-multiple companies. Cycles where more traditional industries lead might feel relatively disappointing.

Regions Info

  • North America
    89%
  • Europe Developed
    5%
  • Japan
    2%
  • Asia Developed
    2%
  • Asia Emerging
    2%
  • Australasia
    1%

Geographically, the portfolio is overwhelmingly tilted to North America at 89%, with only modest exposure to Europe, Japan, and other developed and emerging regions. Global benchmarks tend to have a large but not quite this extreme US weight. This home-country bias has paid off over the last decade because US large-cap growth has dominated, so being close to that has been a strength. The flip side is that outcomes are highly tied to one region’s economic and market path. If leadership rotates to other parts of the world at some point, this kind of allocation would capture less of that shift than a more globally balanced mix.

Market capitalization Info

  • Mega-cap
    66%
  • Large-cap
    22%
  • Mid-cap
    10%
  • Small-cap
    1%

Market cap exposure is heavily concentrated in mega- and large-cap companies, with a combined share close to 90%, and only a sliver in mid- and small-caps. Large, established firms tend to have more stable earnings, deeper liquidity, and better access to capital, which can reduce some business risk compared with smaller, more fragile players. The trade-off is less exposure to the potential “catch-up” or explosive growth phases often seen in smaller companies. Being aligned with the mega/large-cap segment is quite close to how major indices are structured, which supports diversification and investability, but limits size-based diversification benefits.

True holdings Info

  • Alphabet Inc Class A
    13.52%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
    Direct holding 12.53%
  • NVIDIA Corporation
    11.57%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
    Direct holding 9.22%
  • Netflix Inc
    10.64%
  • Microsoft Corporation
    10.31%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
    Direct holding 8.71%
  • Amazon.com Inc
    5.65%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
    Direct holding 4.53%
  • SoFi Technologies Inc.
    2.96%
  • Reddit, Inc.
    2.17%
  • Block, Inc
    2.17%
  • Apple Inc
    2.14%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • D-Wave Quantum Inc.
    1.65%
  • Top 10 total 62.77%

Looking through the ETFs’ top holdings, several big names appear multiple times. Alphabet, NVIDIA, Microsoft, and Amazon all show up both as direct stocks and inside your index funds, creating “hidden” concentration. Overlap totals like 13.5% in Alphabet and 11.6% in NVIDIA mean these companies have an outsized influence on returns relative to their apparent weights. This matters because a negative surprise in any of these names could drag on the whole portfolio more than expected. It’s not inherently bad—concentration can boost returns—but it’s important to recognize that diversification is lower than the number of line items might suggest.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 55%
Size
Exposure to smaller companies
Very low
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Low
Data availability: 55%
Quality
Preference for financially healthy companies
Very high
Data availability: 55%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 76%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

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 shows a very strong tilt toward quality and a very low tilt toward size. Quality refers to firms with strong balance sheets, consistent earnings, and generally better business fundamentals. This strong quality bias is reassuring; historically, high-quality companies have tended to hold up better in downturns and deliver more stable performance over full cycles. The very low size exposure means the portfolio is underweight smaller companies, leaning into larger, more established names. In practice, that combination—high quality and large size—can mean somewhat lower crash risk than a “speculative growth” profile, while still capturing much of the upside of leading innovators.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 25.66%
    18.4%
  • NVIDIA Corporation
    Weight: 9.22%
    16.9%
  • Alphabet Inc Class A
    Weight: 12.53%
    12.4%
  • Netflix Inc
    Weight: 10.64%
    9.9%
  • Vanguard Total World Stock Index Fund ETF Shares
    Weight: 12.45%
    8.2%
  • Top 5 risk contribution 65.8%

Risk contribution reveals how much each holding drives overall volatility, which can differ from its simple weight. NVIDIA is the standout here: at about 9% of capital, it contributes nearly 17% of total risk, showing how a single volatile growth stock can dominate the portfolio’s ups and downs. The broad ETFs, despite larger weights, contribute less risk relative to size because they are diversified baskets. This pattern is normal for a core-plus-satellite structure, but it does mean your experience will be highly linked to NVIDIA’s journey. Tweaking position sizes can bring risk contribution closer in line with your comfort level without changing the holdings list.

Redundant positions Info

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

Correlation measures how similarly two investments move, on a scale from -1 to 1. Here, the S&P 500 ETF and the global stock ETF are highly correlated and behave almost identically much of the time. That’s not a flaw—both are broad equity funds—but it does mean their diversification benefit versus each other is limited in big market moves. They still help smooth out company-specific risk, yet they won’t protect much when global stocks as a whole are falling. True diversification across risk drivers usually needs assets that sometimes zig when others zag, not just slightly different flavors of the same broad market.

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, the current portfolio sits below the efficient frontier by about 11 percentage points at its risk level. The efficient frontier represents the best achievable return for each risk level using only your existing holdings but with different weights. A Sharpe ratio of 1.08 is solid, yet the optimal mix of the same assets shows a much higher Sharpe of 1.76, indicating significantly better risk-adjusted potential. This suggests that reweighting—especially around the more volatile single stocks versus the broad ETFs—could materially improve the trade-off between return and volatility, without adding new funds or changing the overall asset menu.

Dividends Info

  • Alphabet Inc Class A 0.30%
  • Microsoft Corporation 1.00%
  • Vanguard S&P 500 ETF 0.90%
  • Vanguard Total World Stock Index Fund ETF Shares 1.80%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • Weighted yield (per year) 0.80%

Dividend yield across the portfolio is low, at about 0.8%. Most of the individual stocks are classic growth names that either pay tiny dividends or reinvest all profits into expansion. The higher-yielding pieces are the international and global index funds, which modestly lift overall income. A lower yield profile is common and reasonable for a growth-focused strategy where the goal is capital appreciation rather than ongoing cash flow. For an investor not relying on portfolio income today, this is perfectly aligned. If, down the road, regular income becomes a goal, gradually increasing positions with higher, more stable yields could support that.

Ongoing product costs Info

  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.02%

Costs are impressively low. The blended total expense ratio of about 0.02% is far below typical active funds and even below many index-only portfolios. Low TER means less drag on returns every single year, which compounds in your favor over time. This is one of the most controllable aspects of investing, and you’ve nailed it: broad, low-fee ETFs plus direct holdings is an efficient structure from a cost perspective. Even if the rest of the portfolio evolves, keeping this low-cost mindset is a strong foundation that supports better long-term performance compared with higher-fee alternatives offering similar exposures.

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