Growth focused stock portfolio with a strong US tilt and notable technology concentration

Report created on Apr 28, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is a 100% stock mix built entirely with six equity ETFs. The largest building block is a broad US large-cap fund at 40%, supported by 15% in US small-cap value and 15% in international stocks. The remaining 30% is split evenly across high dividend, NASDAQ 100, and semiconductors, adding some style and sector tilts. Structurally, this is a growth‑oriented setup because there are no bonds or cash buffers. A pure‑equity approach generally amplifies both gains and losses compared with blended stock–bond portfolios. The use of broad index funds as the core gives a diversified backbone, while the more focused ETFs introduce extra return potential and extra risk in specific areas.

Growth Info

Over the period from late 2020 to April 2026, $1,000 in this portfolio grew to about $2,457. That translates to a Compound Annual Growth Rate (CAGR) of 17.73%, which is how fast the investment grew per year on average, similar to calculating a car’s average speed on a road trip. This beats both the US market (15.23%) and the global market (13.13%) over the same span. The max drawdown, or deepest peak‑to‑trough fall, was -25.65%, close to the benchmarks’ declines. The portfolio took around nine months to bottom and ten months to recover, showing it can experience meaningful but not unusually long downturns. As always, these strong historical numbers don’t guarantee similar future results.

Projection Info

The Monte Carlo simulation projects how $1,000 might grow over 15 years by re‑mixing past return and volatility patterns many times. Think of it as running 1,000 different “what if the future looked like various versions of the past” scenarios. The median outcome is about $2,746, which implies around 8.07% annualized across all simulations. The middle half of results (p25–p75) ranges from roughly $1,805 to $4,203, while 90% of outcomes fall between $1,016 and $7,840. About 74% of paths end with a positive return. These ranges highlight that long‑term stock investing can both compound meaningfully and still produce very different outcomes, even with the same starting portfolio.

Asset classes Info

  • Stocks
    100%

All of this portfolio sits in stocks, with no allocation to bonds, cash, or alternative assets. That makes it straightforward to understand: all positions are tied to company earnings, valuations, and equity market sentiment. A 100% stock allocation generally means higher expected long‑term returns than mixed stock‑bond portfolios, but also sharper swings along the way. There’s no built‑in stabilizer from fixed income, which often helps cushion downturns. Within equities, the blend of broad US, international, small‑cap value, dividends, and growth‑oriented segments provides diversification across different business types and styles, but the overall risk level remains firmly in the equity risk bucket.

Sectors Info

  • Technology
    35%
  • Financials
    14%
  • Consumer Discretionary
    11%
  • Industrials
    8%
  • Telecommunications
    7%
  • Health Care
    6%
  • Consumer Staples
    5%
  • Energy
    5%
  • Basic Materials
    3%
  • Utilities
    3%
  • Real Estate
    2%

Sector‑wise, technology stands out at 35% of the portfolio, well above what’s typical in a broad global index. Financials (14%), consumer discretionary (11%), and industrials (8%) form the next layers, with the remaining sectors each in the low‑ to mid‑single digits. A tech‑heavy tilt can be powerful when innovation‑driven companies lead the market, but it also tends to increase sensitivity to changes in interest rates, growth expectations, and regulatory news. The presence of sectors like health care, staples, energy, utilities, and real estate, even at modest levels, adds some balance. Still, day‑to‑day moves are likely to be strongly influenced by how technology‑related businesses perform.

Regions Info

  • North America
    84%
  • Europe Developed
    7%
  • Asia Developed
    3%
  • Japan
    2%
  • Asia Emerging
    2%
  • Australasia
    1%
  • Latin America
    1%
  • Africa/Middle East
    1%

Geographically, about 84% of the portfolio is in North America, with only 16% spread across the rest of the world. Europe developed markets account for 7%, followed by smaller slices in developed Asia, Japan, emerging Asia, Australasia, Latin America, and Africa/Middle East. Compared with a typical global market index, this is a much stronger US tilt, as US companies currently represent a bit over half of global stock market value, not more than four‑fifths. A strong home bias can work well when the local market outperforms, as it has in recent years, but it also ties results closely to one economy, currency, and policy environment.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    32%
  • Mid-cap
    15%
  • Small-cap
    10%
  • Micro-cap
    7%

By market capitalization, the portfolio leans toward larger companies but keeps a meaningful footprint in smaller ones. Roughly 35% is in mega‑caps and 32% in large‑caps, so about two‑thirds sits in very big, established firms. Mid‑caps (15%), small‑caps (10%), and micro‑caps (7%) add exposure to companies earlier in their growth and business cycles. Smaller firms often have more volatile share prices but can offer different growth dynamics than giants. This spread across size segments helps diversify how the portfolio reacts to different phases of the market, such as periods when smaller, more domestically focused companies outperform larger global leaders, and vice versa.

True holdings Info

  • NVIDIA Corporation
    5.31%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
    • iShares Semiconductor ETF
  • Apple Inc
    3.96%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    2.98%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    2.60%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
    • iShares Semiconductor ETF
  • Amazon.com Inc
    1.95%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    1.75%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    1.29%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Meta Platforms Inc.
    1.25%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Tesla Inc
    1.08%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
  • Micron Technology Inc
    0.74%
    Part of fund(s):
    • iShares Semiconductor ETF
  • Top 10 total 22.91%

Looking through to the biggest underlying holdings, several large companies appear across multiple ETFs. NVIDIA, Apple, Microsoft, Broadcom, Amazon, Alphabet (both share classes), Meta, Tesla, and Micron all show up in the aggregated top‑10 exposures, with NVIDIA alone around 5.31% of the portfolio through funds. These overlaps mean that while the portfolio holds many ETFs, some of the economic exposure is concentrated in a handful of mega‑cap technology and internet‑related names. Because only ETF top‑10 positions are included, the actual overlap is likely somewhat higher. This kind of hidden concentration is common in ETF portfolios that combine broad US and NASDAQ or sector funds.

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%

Factor exposure in this portfolio is very close to market‑like across all the measured dimensions: value, size, momentum, quality, yield, and low volatility all sit in the neutral band. Factors are like underlying “personality traits” of stocks that research has linked to returns over time. A value tilt might favor cheaper stocks, while momentum leans into recent winners. Here, no single factor stands out as a strong tilt. That means the portfolio’s behavior is likely to be driven more by its sector and regional mix than by explicit factor bets. This balanced factor profile can help avoid being overly dependent on any one style environment.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 40.00%
    36.2%
  • iShares Semiconductor ETF
    Weight: 10.00%
    17.2%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 15.00%
    16.2%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 15.00%
    11.5%
  • Invesco NASDAQ 100 ETF
    Weight: 10.00%
    11.4%
  • Top 5 risk contribution 92.4%

Risk contribution shows how much each holding drives overall ups and downs, which can differ from its weight. The broad US ETF, at 40% of the portfolio, contributes about 36% of risk, so it behaves proportionally. The semiconductor ETF, though, is just 10% by weight but contributes 17.20% of total risk, reflecting its higher volatility; its risk/weight ratio of 1.72 is notably elevated. The small‑cap value and NASDAQ 100 funds also add more risk than their sizes alone suggest. In total, the top three positions account for almost 70% of portfolio risk, indicating that a handful of holdings play an outsized role in driving performance swings.

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 2.79 percentage points at its risk level. The efficient frontier represents the best expected return for each level of volatility achievable by reweighting the existing holdings. The portfolio’s Sharpe ratio, a measure of risk‑adjusted return that compares excess return to volatility, is 0.78. In contrast, the maximum‑Sharpe mix of these same funds scores 1.1, and the minimum‑variance mix scores 1.0. This suggests that, using only the current ingredients, different weightings could historically have offered a better trade‑off between return and risk without adding new ETFs.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Fidelity® High Dividend ETF 2.80%
  • Invesco NASDAQ 100 ETF 0.50%
  • iShares Semiconductor ETF 0.40%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.42%

The portfolio’s overall dividend yield is about 1.42%, combining income from each ETF. The dedicated high‑dividend and international funds offer the highest yields at around 2.8%, while NASDAQ 100 and semiconductors pay relatively little, reflecting their focus on growth‑oriented companies that often reinvest profits. Dividends can act like a steady drizzle of returns that accumulates over time, but in this mix, capital gains have clearly been the main driver of performance so far. For an equity‑heavy, growth‑tilted portfolio, a modest yield like this is typical and means total return will likely depend more on price movements than on income.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Fidelity® High Dividend ETF 0.15%
  • Invesco NASDAQ 100 ETF 0.15%
  • iShares Semiconductor ETF 0.35%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.12%

The blended ongoing cost, or Total Expense Ratio (TER), for this portfolio is about 0.12% per year. TER is the annual fee taken by funds to cover management and operating expenses, similar to a small service charge on the invested amount. This level of cost is impressively low, especially given the mix of broad index and more specialized ETFs. Lower costs help more of any return stay in the portfolio rather than being paid out in fees, and the benefit compounds over many years. From a structural perspective, this cost profile is well‑aligned with best practices for long‑term, diversified equity investing.

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