Growth focused US tilted equity portfolio with strong tech presence and efficient low cost structure

Report created on Apr 10, 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 almost entirely in equities, with 99% in stocks and just 1% in each of “other” and crypto. The biggest positions are broad US large-cap funds, with the S&P 500 ETF alone at 33%, plus meaningful allocations to momentum and NASDAQ-focused ETFs. A handful of small single-stock and thematic ETF positions add flavor around the edges. Structurally, this is a growth-leaning, equity-heavy setup that will move strongly with stock markets. The main takeaway is that returns and risks are dominated by US large-cap growth and tech-related exposure, while the small positions in gold, bitcoin, and niche themes won’t materially change the ride but do add a bit of diversification.

Growth Info

Historically, this portfolio has done very well: turning $1,000 into $1,516 over a bit more than two years, with a compound annual growth rate (CAGR) of 20.63%. CAGR is like your “average yearly speed” over the whole journey. That beats both the US market (17.18%) and global market (17.55%) by over 3 percentage points a year, which is a solid outperformance. Max drawdown, the worst peak-to-trough drop, was -19.26%, similar to the benchmarks’ worst falls. Only 13 days made up 90% of returns, showing performance was driven by a few big up days. This combination—higher return without much extra drawdown—has been very favorable, though past results never guarantee future outcomes.

Projection Info

The 15-year Monte Carlo projection uses many simulated paths based on historical volatility and returns to estimate a range of future outcomes. Think of it as running the portfolio’s past behavior through a thousand “what if” future timelines. The median outcome grows $1,000 to about $2,716, with a wide “likely” band from roughly $1,743 to $4,193. There’s around a 71% chance of ending with a positive return, and the average simulated annual return is 8.24%. This shows a decent long-term growth expectation but with meaningful uncertainty: outcomes range from barely breaking even to potentially very strong gains. These are models, not predictions, so they’re useful for framing risk and reward, not for setting precise expectations.

Asset classes Info

  • Stocks
    99%
  • Other
    1%
  • Crypto
    1%

Across asset classes, this is essentially an all-equity portfolio with a very small allocation to “other” and crypto. That lines up with a growth mindset and a willingness to accept market swings. Compared to a classic balanced allocation that mixes in bonds or cash, this structure will usually outperform during strong equity markets but can fall more sharply during bear markets or recessions. The tiny positions in gold and bitcoin add a bit of diversification and an inflation or alternative-store-of-value angle, but at 0.5% each they won’t significantly cushion stock market drawdowns. Overall, the asset mix is coherent for someone prioritizing long-term growth over short-term stability, but it is not designed to damp volatility.

Sectors Info

  • Technology
    41%
  • Financials
    10%
  • Telecommunications
    10%
  • Industrials
    9%
  • Consumer Discretionary
    7%
  • Health Care
    7%
  • Consumer Staples
    5%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    1%

Sector-wise, the portfolio leans heavily into technology, at 41% of equity exposure, with more moderate allocations to financials, telecom, industrials, consumer discretionary, and health care. This tech tilt is stronger than in broad global benchmarks, where tech still dominates but at slightly lower weights. High tech exposure often brings faster growth and has been rewarded in recent years, especially in an era of digitalization and AI. The flip side is sensitivity to interest rate changes and tech-specific sentiment; periods of rising rates or sector rotations can make returns bumpier. The positive side is that core tech positions are combined with exposure to other sectors, which helps keep the portfolio from becoming a pure single-theme bet.

Regions Info

  • North America
    90%
  • Europe Developed
    5%
  • Japan
    1%
  • Asia Developed
    1%
  • Asia Emerging
    1%
  • Australasia
    1%

Geographically, about 90% of exposure is in North America, with only modest slices in Europe, Japan, Asia, and Australasia. This is a clear home bias toward US markets, which has worked well over the past decade as US large caps and tech outperformed many other regions. However, global benchmarks usually allocate closer to 60%–65% to the US, so this portfolio is more concentrated than the world market. That means returns are closely tied to the US economy, US earnings, and the US dollar. It’s a reasonable stance if one believes US companies will keep leading, but it does leave less room to benefit if other regions go through periods of stronger relative performance.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    36%
  • Mid-cap
    14%
  • Small-cap
    2%
  • Micro-cap
    1%
  • No data
    1%

By market capitalization, the portfolio is dominated by mega-caps (46%) and large-caps (36%), with only small slices in mid-, small-, and micro-cap stocks. This aligns well with broad market benchmarks, which are themselves tilted to the largest companies. The benefit is exposure to more established businesses with stronger balance sheets and typically greater liquidity, which can reduce extreme volatility and trading frictions. The trade-off is less participation in potential small-cap growth spurts, which sometimes lead during early economic recoveries. Still, this large-cap tilt pairs nicely with the balanced factor profile and keeps the portfolio’s core driven by well-known, widely followed companies rather than more speculative smaller names.

True holdings Info

  • NVIDIA Corporation
    7.89%
    Part of fund(s):
    • First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
    • VanEck Semiconductor ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Apple Inc
    5.36%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Microsoft Corporation
    4.85%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
    Direct holding 1.00%
  • Broadcom Inc
    3.30%
    Part of fund(s):
    • First Trust NASDAQ Cybersecurity ETF
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
    • VanEck Semiconductor ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Alphabet Inc Class A
    2.78%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Alphabet Inc Class C
    2.28%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Amazon.com Inc
    2.25%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Meta Platforms Inc.
    1.56%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Berkshire Hathaway Inc
    1.55%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • Vanguard Value Index Fund ETF Shares
    Direct holding 1.00%
  • Tesla Inc
    1.42%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Top 10 total 33.24%

Looking through the ETFs’ top holdings, there’s a heavy reliance on a small group of mega-cap names. NVIDIA, Apple, Microsoft, Broadcom, Alphabet, Amazon, Meta, Tesla, and Berkshire together make up a substantial slice of effective exposure, even where they’re only held via funds. There’s also some “hidden” overlap: Microsoft and Berkshire appear both directly and through ETFs, slightly increasing concentration in those names. Because we only see ETF top-10 positions, true overlap is likely higher. This matters because performance becomes more tied to how this small group of giants behaves. The upside is strong participation in market leaders; the trade-off is that a bad stretch for these mega-caps could weigh heavily on the overall portfolio.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 95%
Size
Exposure to smaller companies
Low
Data availability: 99%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 91%
Quality
Preference for financially healthy companies
Neutral
Data availability: 91%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 99%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 99%

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 exposures show mild tilts away from value and size (both at 39%, categorized as Low) and essentially neutral exposure to momentum, quality, yield, and low volatility. Factors are like the “personality traits” of stocks—value, size, momentum, etc.—that data links to long-term returns. A low value score means a lean toward pricier, growthier stocks rather than cheaper, out-of-favor names. A low size score indicates more concentration in larger companies versus smaller ones. With everything else near neutral, this portfolio behaves a lot like a broad market growth bias: it should do relatively well when growth and large caps lead, and may lag during periods when value or smaller companies outperform.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 33.00%
    29.4%
  • Invesco S&P 500® Momentum ETF
    Weight: 18.00%
    20.7%
  • Invesco NASDAQ 100 ETF
    Weight: 15.00%
    17.4%
  • Vanguard Information Technology Index Fund ETF Shares
    Weight: 8.00%
    11.0%
  • Schwab U.S. Large-Cap Growth ETF
    Weight: 7.00%
    8.1%
  • Top 5 risk contribution 86.5%

Risk contribution shows how much each holding drives overall volatility, which can differ a lot from simple weights. Here, the top three holdings—S&P 500, S&P 500 Momentum, and NASDAQ 100 ETFs—make up 66% of the weight but about 67% of total risk, so risk is generally aligned with size. The tech ETF has a higher risk/weight ratio (1.38), meaning it punches above its weight in volatility terms, while the broad S&P 500 sits below 1.0, contributing slightly less risk than its size suggests. This is a healthy pattern: a broad core position dominating both weight and risk, with satellite growth and tech positions adding extra kick rather than overwhelming the portfolio’s behavior.

Redundant positions Info

  • Vanguard Total International Stock Index Fund ETF Shares
    BNY Mellon International Equity ETF
    Vanguard International High Dividend Yield Index Fund ETF Shares
    High correlation
  • Invesco NASDAQ 100 ETF
    Vanguard S&P 500 ETF
    Vanguard Total World Stock Index Fund ETF Shares
    Vanguard Information Technology Index Fund ETF Shares
    Schwab U.S. Large-Cap Growth ETF
    High correlation

Correlation measures how closely assets move together; high correlation means they tend to rise and fall in sync. In this portfolio, the main US equity funds—S&P 500, NASDAQ 100, US large-cap growth, and US tech—are all strongly correlated. Likewise, the international equity funds are tightly linked to each other. This is expected because many of these funds track overlapping sets of large global companies. The benefit is that you’re not making conflicting bets, but the downside is that diversification across these funds is more limited than the number of tickers suggests. When US large caps move sharply, most of the big positions here are likely to move in the same direction at the same time.

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 shows that, at its current risk level of 17.43% volatility, the portfolio sits below the curve of best possible mixes using the same holdings. Its Sharpe ratio—a measure of return per unit of risk—is 0.94, while the optimal mix of these same assets could reach a Sharpe of 2.52 with higher return and actually lower risk. There’s also a minimum-variance mix that delivers less risk but still a decent Sharpe of 1.55. Being 23.85 percentage points below the frontier suggests the current weights leave performance on the table. Reweighting the existing holdings, without adding anything new, could meaningfully improve the balance between risk and return while preserving the overall investment universe.

Dividends Info

  • BNY Mellon International Equity ETF 3.30%
  • First Trust NASDAQ Cybersecurity ETF 0.60%
  • First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund 0.90%
  • Microsoft Corporation 0.90%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.40%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Schwab International Dividend Equity ETF 3.40%
  • Global X Defense Tech ETF 0.30%
  • VanEck Semiconductor ETF 0.30%
  • Invesco S&P 500® Momentum ETF 0.80%
  • Visa Inc. Class A 0.80%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total World Stock Index Fund ETF Shares 1.70%
  • Vanguard Value Index Fund ETF Shares 2.00%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 3.50%
  • SPDR® S&P Aerospace & Defense ETF 0.30%
  • SPDR® S&P Metals and Mining ETF 0.30%
  • Weighted yield (per year) 0.99%

The overall dividend yield of 0.99% is modest, reflecting the growth- and tech-oriented nature of the portfolio. Some holdings, like the US and international dividend ETFs and the international value funds, have yields around 3%–3.5%, which adds a small but meaningful income component. Others, especially tech and growth funds, pay little in dividends, preferring to reinvest earnings for growth. For an investor mainly seeking capital appreciation, this is perfectly reasonable and matches the growth tilt. For someone more focused on steady cash flow, this level of yield would be on the low side. The key point is that most of the portfolio’s return expectation comes from price gains, not income.

Ongoing product costs Info

  • BNY Mellon International Equity ETF 0.04%
  • First Trust NASDAQ Cybersecurity ETF 0.59%
  • First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund 0.57%
  • iShares Gold Trust 0.25%
  • iShares Bitcoin Trust 0.12%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Schwab International Dividend Equity ETF 0.14%
  • Global X Defense Tech ETF 0.50%
  • VanEck Semiconductor ETF 0.35%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Vanguard Value Index Fund ETF Shares 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
  • SPDR® S&P Aerospace & Defense ETF 0.35%
  • SPDR® S&P Metals and Mining ETF 0.35%
  • Weighted costs total (per year) 0.10%

Costs are a real strength here. The weighted average total expense ratio (TER) is just 0.10%, which is impressively low and fully in line with best practice for long-term investing. Most of the largest positions sit in rock-bottom-cost index ETFs, while the pricier thematic funds and niche ETFs are small enough that their higher fees barely move the needle. Keeping costs low matters because fees come off every year, whether markets go up or down, and compound over time. Here, the cost structure supports better long-term performance and confirms that the core of the strategy is built on efficient, low-fee building blocks rather than expensive, high-turnover products.

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