High growth US focused stock portfolio with strong large cap tilt and low costs
Report created on Apr 30, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
SP SPDR S&P 500 ETF Trust
SPY - US78462F1030 51.21% -
QQ Invesco QQQ Trust
QQQ - US46090E1038 23.78% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 11.93% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 6.73% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 6.35%
This portfolio is a concentrated, all‑stock mix built mainly from broad US index ETFs. Just over half sits in one S&P 500 fund, with another chunk in a second S&P 500 ETF, plus a large allocation to a tech‑heavy growth ETF and a focused small‑cap value ETF. A smaller slice holds a broad international stock ETF. This structure means the portfolio gets most of its behavior from the US market, especially large US companies, while still adding a bit of style (growth and value) and a modest international layer. The overlap between the two S&P 500 funds keeps the structure simple but also increases duplication in the core exposure.
Growth
From late 2019 to April 2026, a hypothetical $1,000 in this portfolio grew to about $2,808. That translates to a compound annual growth rate (CAGR) of 17.06%, which is how much it grew per year on average, like averaging your speed over a long road trip. That’s higher than both the US market (15.85%) and the global market (13.32%) over the same period. The max drawdown, or deepest drop from peak to trough, was about -33.6%, similar to the benchmarks, and it recovered in about four months. Only 24 days made up 90% of returns, showing gains were very lumpy and concentrated in a few strong days. Past performance, though, doesn’t guarantee future results.
Projection
The Monte Carlo simulation projects many possible futures by reshuffling past return patterns to see a wide range of outcomes. Here, 1,000 simulated 15‑year paths for a $1,000 investment produced a median outcome of about $2,738, or an annualized return around 8.04%. The “likely” middle band ran from roughly $1,858 to $4,171, while the full 5th–95th percentile spread ranged from about $929 to $7,508. Around 75% of the simulations ended with a positive result. These ranges highlight uncertainty: even with the same starting portfolio, outcomes varied a lot. Simulations rely on historical behavior, so they’re useful for illustrating risk and dispersion, not for predicting a single precise future.
Asset classes
- Stocks 100%
All of this portfolio is in one asset class: stocks. That means there’s no built‑in cushion from bonds, cash, or alternative assets that typically move differently during stress. A 100% equity allocation tends to have higher expected long‑term growth than mixed portfolios, but also deeper and more frequent swings along the way. Because all positions are stock ETFs, diversification comes from owning many companies and styles rather than from mixing fundamentally different asset types. This setup aligns with a growth‑oriented risk profile, but it also means that when global equities have a rough patch, there is nowhere in this portfolio that naturally offsets that equity drop.
Sectors
- Technology 35%
- Consumer Discretionary 12%
- Financials 11%
- Telecommunications 11%
- Industrials 8%
- Health Care 7%
- Consumer Staples 6%
- Energy 5%
- Basic Materials 2%
- Utilities 2%
- Real Estate 1%
Sector‑wise, the portfolio leans heavily into technology at about 35%, with meaningful exposure to consumer discretionary, financials, and telecommunications, and smaller slices in other sectors. Compared with broad global indices, this is a tech‑rich mix, which has helped in recent years as many large tech names have performed strongly. However, tech‑heavy portfolios can be more sensitive when interest rates rise or when investors shift away from high‑growth companies. The presence of financials, industrials, and staples provides some balance, but the core story is still dominated by sectors tied to innovation and consumer demand. This sector spread is reasonably diversified but clearly not neutral across the economy.
Regions
- North America 93%
- Europe Developed 3%
- Asia Emerging 1%
- Japan 1%
- Asia Developed 1%
Geographically, about 93% of the portfolio is in North America, with only small allocations to Europe, Japan, and other developed and emerging Asian markets. In contrast, global equity benchmarks spread more across regions, with the US still large but not this dominant. A strong US focus has been beneficial over the last decade, since US stocks have generally outpaced many other markets. The flip side is that portfolio fortunes are closely tied to one economy, one currency, and one policy environment. The international fund adds a modest global flavor, but the main driver of risk and return remains the US equity market rather than a genuinely global mix.
Market capitalization
- Mega-cap 42%
- Large-cap 31%
- Mid-cap 14%
- Small-cap 7%
- Micro-cap 5%
By market capitalization, this portfolio is anchored in mega‑caps and large‑caps, which together make up roughly 73%. Mid‑caps, small‑caps, and micro‑caps fill in the rest, helped by the dedicated US small‑cap value ETF. Large companies tend to be more established and sometimes more stable than smaller ones, while smaller companies can be more volatile but potentially more sensitive to economic cycles. This size mix is broadly consistent with a typical US‑tilted index core, with a slight extra splash of smaller companies for diversification and style exposure. It means day‑to‑day moves are mostly driven by big household‑name firms, with smaller companies adding some additional bumpiness and return variation.
True holdings
-
NV NVIDIA Corporation 7.01%
Part of fund(s):- Invesco QQQ Trust
- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
-
AA Apple Inc 5.39%
Part of fund(s):- Invesco QQQ Trust
- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 4.28%
Part of fund(s):- Invesco QQQ Trust
- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.56%
Part of fund(s):- Invesco QQQ Trust
- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.74%
Part of fund(s):- Invesco QQQ Trust
- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.67%
Part of fund(s):- Invesco QQQ Trust
- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.30%
Part of fund(s):- Invesco QQQ Trust
- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 2.22%
Part of fund(s):- Invesco QQQ Trust
- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.80%
Part of fund(s):- Invesco QQQ Trust
- LS 1x Tesla Tracker ETP Securities GBP
- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 0.83%
Part of fund(s):- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
- Top 10 total 32.79%
Looking through ETF top holdings, the portfolio has notable concentration in a handful of big names: NVIDIA, Apple, Microsoft, Amazon, Alphabet (both share classes), Broadcom, Meta, Tesla, and Berkshire Hathaway. For example, NVIDIA alone totals about 7.0% of the portfolio, and Apple about 5.4%. These exposures come entirely via ETFs, not direct stock picks, but they still create meaningful single‑company stakes. Because these giants appear in multiple index products, their influence is amplified. At the same time, coverage is only about 35% of the portfolio because we’re seeing just ETF top‑10 lists, so actual overlap is almost certainly higher. This means hidden concentration may be understated in the data.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility sits broadly in the “neutral” zone, close to market‑like levels around 50%. Factor exposure is like checking which traits — cheap vs expensive, large vs small, stable vs volatile — the portfolio leans toward. Here, there are no strong tilts toward classic styles such as deep value, high yield, or aggressive momentum. Quality is slightly above mid‑point but still in the neutral band, suggesting a mild presence of profitable, stable companies without being a dedicated “quality” strategy. Overall, the factor profile looks well‑balanced, so performance is likely to track broad markets rather than being driven heavily by one specific style.
Risk contribution
-
SPDR S&P 500 ETF Trust
Weight: 51.21% 48.9% -
Invesco QQQ Trust
Weight: 23.78% 26.4% -
Avantis® U.S. Small Cap Value ETF
Weight: 11.93% 13.3% -
Vanguard S&P 500 ETF
Weight: 6.73% 6.5% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 6.35% 5.0%
Risk contribution shows how much each holding adds to overall portfolio ups and downs, which can differ from its weight — like one loud instrument standing out in an orchestra. The main S&P 500 ETF is about half the portfolio and contributes roughly half of total risk, so its impact is in line with its size. The tech‑heavy ETF and the small‑cap value fund each contribute slightly more risk than their weights, reflecting their higher volatility. The international ETF, on the other hand, contributes less risk than its 6.35% weight because it’s somewhat less correlated and slightly less volatile. Overall, the top three funds drive nearly 89% of total risk, indicating meaningful concentration in a few core positions.
Redundant positions
-
High correlationSPDR S&P 500 ETF TrustVanguard S&P 500 ETF
Correlation measures how closely different holdings move together, from 1 (almost identical) to -1 (moving in opposite directions). The S&P 500 ETF pair in this portfolio are flagged as almost perfectly correlated, which makes sense because they track essentially the same index. When two holdings move nearly in lockstep, they don’t add much diversification, even if they’re different products. In practice, this means having both S&P 500 funds behaves very similarly to having one larger S&P 500 position, with only tiny differences in cost and tracking. Other funds may still diversify by style, size, or region, but this specific pair is effectively one big exposure split across two wrappers.
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 risk‑return chart plots volatility on the x‑axis and expected return on the y‑axis, with the efficient frontier showing the best possible trade‑offs using just these holdings. A Sharpe ratio, which measures return per unit of risk above a risk‑free rate, helps compare points: higher is better. The current portfolio Sharpe is 0.67, while the optimal mix on this frontier is 0.88 and the minimum‑variance mix is 0.65. The analysis notes the current allocation is on or very near the efficient frontier, meaning that, for its chosen risk level, it’s making effective use of the available building blocks without obvious inefficiencies in weighting.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco QQQ Trust 0.40%
- SPDR S&P 500 ETF Trust 1.00%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.01%
The overall dividend yield is about 1.01%, with the international ETF offering the highest yield at around 2.8% and the growth‑oriented tech ETF yielding only about 0.4%. Dividend yield is the cash paid out each year as a percentage of the investment, like interest on a savings account but not guaranteed. In this portfolio, income plays a minor role in total return; most of the historic growth has come from price changes rather than dividends. That’s consistent with a growth‑focused equity mix where many leading companies reinvest earnings instead of paying out large dividends. For investors tracking cash flow, this means the portfolio is more about capital appreciation than regular income.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco QQQ Trust 0.20%
- SPDR S&P 500 ETF Trust 0.10%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.13%
The weighted ongoing cost, or Total Expense Ratio (TER), is about 0.13%, with individual ETF fees ranging from 0.03% to 0.25%. TER is like a small annual service fee embedded in the fund price — you don’t see it deducted directly, but it slightly reduces returns each year. Relative to many actively managed funds, these costs are impressively low, which supports better long‑term compounding because less performance is eaten up by fees. Having the bulk of the allocation in broad, low‑cost index products is a structural strength of this portfolio. Over decades, keeping costs in this range can make a noticeable difference to ending wealth.
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