Growth focused all US stock portfolio with strong tech tilt and efficient risk return balance
Report created on Sep 2, 2026Risk profile
5/7
Diversification profile
2/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 60.00% -
QQ Invesco QQQ Trust
QQQ - US46090E1038 25.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.00%
This portfolio is simple and tightly focused: three US stock ETFs, no bonds, and 100% in equities. Around two thirds sits in a broad US total market fund, a quarter in a large‑cap growth and tech‑heavy ETF, and the remaining slice in a small‑cap value ETF. That mix creates a core‑satellite structure, with the total market as the core and the other two funds adding growth and value tilts. A setup like this keeps things easy to understand and monitor while still introducing some variation in style and company size. The flip side is that with only three holdings, any overlaps or shared risks inside those ETFs have a bigger impact on the overall behavior.
Growth
From late 2019 to August 2026, a hypothetical $1,000 in this portfolio grew to about $3,061. That works out to a compound annual growth rate (CAGR) of 17.59%, which is how much it grew per year on average, similar to averaging a car’s speed over a long trip. This beat both the US market benchmark (16.41%) and the global market benchmark (13.97%). The max drawdown, or worst peak‑to‑trough fall, was about -34.6% during early 2020, very similar to the benchmarks. Only 26 days made up 90% of returns, highlighting how a small number of strong days drove much of the performance. As always, historical returns don’t guarantee the future.
Projection
The Monte Carlo projection uses past return and volatility patterns to simulate many possible future paths for $1,000 over 15 years. Think of it as running 1,000 “what if” timelines based on the portfolio’s history, then summarizing the outcomes. The median result ends around $2,714, with a fairly wide “likely” middle band from roughly $1,811 to $4,251. Extreme but still plausible paths range from about $1,048 to $7,296. Across all simulations, the average annualized return is 7.93% and about three quarters of paths end positive. These numbers are not predictions; they’re scenario ranges built from historical behavior, which may not repeat, especially over long periods.
Asset classes
- Stocks 100%
All of the portfolio is invested in stocks, with no allocation to bonds, cash, or alternatives. That makes the asset class mix very straightforward but also means there’s no built‑in cushion from typically lower‑volatility assets. In broad terms, stocks tend to offer higher long‑run growth potential but can experience sharp swings, while bonds and cash usually move less but grow more slowly. Compared with many blended portfolios that mix asset classes, this one is intentionally growth‑heavy. The key implication is that ups and downs are driven almost entirely by equity markets, and any periods of market stress will likely be felt directly without much dampening from other asset classes.
Sectors
- Technology 37%
- Financials 12%
- Consumer Discretionary 11%
- Telecommunications 9%
- Industrials 9%
- Health Care 8%
- Consumer Staples 5%
- Energy 5%
- Basic Materials 2%
- Utilities 2%
- Real Estate 2%
Sector‑wise, the portfolio leans heavily toward technology at 37%, with the rest spread across financials, consumer discretionary, telecom, industrials, health care, and smaller slices in other areas. This tech weight is noticeably higher than in broad global or total‑market benchmarks, reflecting the influence of the growth‑oriented ETF. Tech‑heavy exposure often benefits during periods of innovation, strong earnings growth, or lower interest rates, but it can be more sensitive when rates rise or when markets rotate toward more defensive or traditional sectors. The presence of financials, industrials, and consumer‑related sectors does add some balance, yet leadership within the portfolio’s returns is likely to be driven by how the tech and growth segments perform over time.
Regions
- North America 99%
- Europe Developed 1%
Geographically, this portfolio is almost entirely tied to North America, with 99% exposure there and only a token 1% in developed Europe. That means company earnings, economic conditions, and currency effects are overwhelmingly linked to the US market. This is quite different from global benchmarks that include significant portions of Asia and the rest of Europe. A US‑centric approach has worked well during stretches when US stocks have outpaced other regions, but it also means the portfolio doesn’t benefit much if other parts of the world lead. In practical terms, nearly all geopolitical, regulatory, and macroeconomic shocks affecting US markets will feed directly through to overall performance.
Market capitalization
- Mega-cap 37%
- Large-cap 27%
- Mid-cap 15%
- Small-cap 11%
- Micro-cap 9%
By market capitalization, the portfolio spans the full spectrum: 37% mega‑cap, 27% large‑cap, and the remaining third in mid, small, and micro‑caps. Mega and large companies tend to be more established and often less volatile, while smaller firms can be more sensitive to economic cycles but may have higher growth potential. The dedicated small‑cap value ETF and the broad market fund’s reach into smaller names help push exposure beyond just the biggest companies. This creates a more layered risk profile, where large caps often anchor overall behavior but the smaller segments can amplify both gains and drawdowns during more turbulent or speculative market phases.
True holdings
-
NV NVIDIA Corporation 5.83%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc. 5.35%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.75%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 3.04%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.55%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 2.22%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.16%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 2.12%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.68%
Part of fund(s):- Invesco QQQ Trust
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.02%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 29.72%
Looking through to the top underlying holdings, several large tech and growth names show up prominently: NVIDIA, Apple, Microsoft, Amazon, Alphabet (both share classes), Micron, Broadcom, Tesla, and Meta. Many of these appear via multiple ETFs, which creates “hidden” concentration because the same companies are owned in more than one fund. For example, NVIDIA and Apple together already represent over 11% of the portfolio within just the portion we can see, and overall coverage is only about a third of total holdings. That means actual overlap is likely higher than reported. This overlap is normal for US index and growth funds but does mean a handful of big names have outsized influence.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility is broadly neutral, sitting close to 50% on each scale. Factors are like investing “ingredients” — characteristics that research links to long‑term return patterns, such as favoring cheaper stocks (value) or more stable ones (low volatility). Neutral scores suggest the overall mix behaves a lot like the broad market on these dimensions, even though there is a small‑cap value fund alongside a growth‑heavy ETF. The offsetting effects between holdings appear to balance out. In practice, this means the portfolio’s behavior is likely driven more by its regional, sector, and stock‑concentration choices than by strong factor tilts.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 60.00% 56.7% -
Invesco QQQ Trust
Weight: 25.00% 26.9% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 16.4%
Risk contribution looks at how much each holding adds to the portfolio’s overall ups and downs, which can differ from simple weights. Here, the total market fund is 60% of the portfolio and contributes about 56.7% of the risk, almost in line with its size. The growth ETF at 25% weight contributes around 26.9% of risk, and the small‑cap value ETF at 15% weight contributes about 16.4%. Their risk/weight ratios, just above 1 for the latter two, hint that they are slightly more volatile per dollar than the core fund. Overall, risk is reasonably proportional to position size, which is a good sign for a concentrated three‑fund setup.
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 vs. return chart, this portfolio sits on or very close to the efficient frontier, which is the curve showing the best possible return for each risk level using these holdings. The current Sharpe ratio — a measure of risk‑adjusted return that compares excess return over the risk‑free rate to volatility — is 0.68. The maximum‑Sharpe mix using the same funds scores higher at 0.9 with slightly more risk, while the minimum‑variance mix has lower risk and a Sharpe of 0.78. Since the current allocation already lies near the frontier, it’s using these three ETFs in a broadly efficient way without obvious wasted risk.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco QQQ Trust 0.40%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Weighted yield (per year) 0.90%
The portfolio’s overall dividend yield is about 0.90%, with the total market fund around 1.00%, the small‑cap value ETF near 1.30%, and the growth ETF at roughly 0.40%. Yield is the cash income paid out each year as a percentage of the investment value. This level is modest compared with many income‑focused portfolios and reflects the growth and tech orientation, where companies often reinvest profits rather than pay high dividends. In this setup, most of the expected return historically has come from price changes rather than cash payouts. Dividends still add a small, steady component, but they are not the primary driver of the portfolio’s long‑term performance.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco QQQ Trust 0.18%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.10%
Total ongoing costs, measured as the weighted average Total Expense Ratio (TER), are about 0.10% per year. TER is the annual fee charged by each fund as a percentage of the amount invested. For context, this is very low and compares favorably with many active or specialty strategies. The core total‑market ETF is especially cheap at 0.03%, helping pull down the overall cost, while the small‑cap value ETF is more expensive but still moderate for its category. Over long periods, keeping fees low means more of the portfolio’s returns stay invested rather than being lost to costs. This cost profile is a notable strength of the current structure.
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