High octane US growth portfolio with heavy tech focus and strong historical outperformance

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 made up of US growth stock ETFs with a strong tilt toward technology, plus a 10% allocation to a money market fund. That means most of the engine here is high-growth companies, with a small safety buffer in cash-like holdings. This structure matters because it sets the tone for both potential returns and how bumpy the ride can feel. A concentrated growth setup like this can deliver big gains when markets reward innovation and expansion, but can also drop sharply when sentiment turns. Anyone using a design like this usually treats it as an aggressive, return-seeking piece of a broader financial plan, not as a standalone “all-weather” solution.

Growth Info

Historically, this portfolio has delivered very strong results: $1,000 grew to about $5,261 over ten years, with a compound annual growth rate (CAGR) of 18.2%. CAGR is like your average speed on a long road trip, smoothing out bumps along the way. It beat both the US market and global market by material margins, while having a similar maximum drawdown of around -33%. That drawdown took ten months to bottom and more than a year to fully recover, showing that big drops are part of the journey. The takeaway: past performance has been excellent but came with real, multi‑year swings that require patience and emotional resilience.

Projection Info

The Monte Carlo projection simulates 1,000 alternate futures using historical patterns, like running many “what if” market paths. It shows a median outcome of $2,526 from a $1,000 investment after 15 years, with a wide but reasonable range: most paths land between about $1,756 and $3,993, and more extreme cases run from around $1,046 to $6,946. The average projected annual return is about 7.6%. This highlights both upside potential and real uncertainty. Importantly, simulations rely on past data and assumptions, so they’re more like weather forecasts than guarantees. The practical takeaway: scenarios are skewed positive, but outcomes vary enough that planning should include room for weaker stretches.

Asset classes Info

  • Stocks
    90%
  • No data
    10%

About 90% of the portfolio sits in stocks, with 10% in a “no data” bucket that, by instruction, we won’t guess about. A 90% equity exposure clearly places this in the growth-oriented, higher-volatility camp. Asset class mix matters because stocks drive long-term returns, but they also dominate the emotional experience in downturns. Compared with more balanced mixes that blend stocks with bonds or other diversifiers, this setup will generally move more sharply with equity markets. The small non-equity slice does provide some cushion, but it doesn’t fundamentally change the character: this is primarily an equity growth engine, not a capital-preservation structure.

Sectors Info

  • Technology
    59%
  • Telecommunications
    9%
  • Consumer Discretionary
    8%
  • Health Care
    4%
  • Financials
    3%
  • Industrials
    3%
  • Consumer Staples
    2%
  • Basic Materials
    1%
  • Real Estate
    1%

Sector-wise, the portfolio is extremely tech-heavy, with technology at 59% and telecommunications adding another 9%. Consumer discretionary, health care, financials, and industrials make up modest slivers, with tiny exposure to staples, materials, and real estate. Compared with broad market benchmarks, this is a strong overweight to growth-oriented, rate-sensitive sectors. That’s powerful when innovation and digital trends are leading the market, as they often have recently. But it can be painful when interest rates rise or sentiment shifts away from high-growth business models. The sector mix is intentional and coherent with a growth goal, yet it reduces resilience during cycles where more defensive areas tend better.

Regions Info

  • North America
    89%

Geographically, about 89% of exposure is in North America, meaning the portfolio’s fate is tightly linked to one region’s economy, regulation, and currency. This level of home bias is common among US-focused investors and has worked well in the last decade, because US markets, especially growth and tech names, have outperformed much of the world. Geographic tilt matters because leadership can rotate over long periods, and shocks specific to one economy can hit concentrated portfolios harder. The positive note: the alignment with a strong, deep capital market is sensible. The trade-off: relatively limited diversification across different economic and political systems.

Market capitalization Info

  • Mega-cap
    54%
  • Large-cap
    21%
  • Mid-cap
    9%
  • Small-cap
    4%
  • Micro-cap
    1%

By market cap, the portfolio leans heavily into mega-cap (54%) and large-cap (21%) stocks, with smaller slices in mid, small, and micro caps. Market capitalization describes company size; mega and large caps tend to be more established, widely followed businesses, while smaller caps can be more volatile and idiosyncratic. This tilt toward the giants aligns with major index structures and helps keep liquidity high and trading frictions low. It also means performance will be driven largely by a handful of the biggest, best-known companies. The relatively modest small-cap exposure slightly limits the classic “small size” return premium, but improves stability compared with a small-cap-heavy design.

True holdings Info

  • NVIDIA Corporation
    12.75%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • Fidelity® Nasdaq Composite Index® ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Mega Cap Growth Index Fund ETF Shares
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
  • Apple Inc
    11.38%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • Fidelity® Nasdaq Composite Index® ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Mega Cap Growth Index Fund ETF Shares
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
  • Microsoft Corporation
    7.97%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • Fidelity® Nasdaq Composite Index® ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Mega Cap Growth Index Fund ETF Shares
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
  • Broadcom Inc
    3.79%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • Fidelity® Nasdaq Composite Index® ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Mega Cap Growth Index Fund ETF Shares
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
  • Amazon.com Inc
    3.08%
    Part of fund(s):
    • Fidelity® Nasdaq Composite Index® ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Mega Cap Growth Index Fund ETF Shares
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
  • Alphabet Inc Class A
    2.80%
    Part of fund(s):
    • Fidelity® Nasdaq Composite Index® ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Mega Cap Growth Index Fund ETF Shares
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
  • Alphabet Inc Class C
    2.32%
    Part of fund(s):
    • Fidelity® Nasdaq Composite Index® ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Mega Cap Growth Index Fund ETF Shares
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
  • Meta Platforms Inc.
    2.29%
    Part of fund(s):
    • Fidelity® Nasdaq Composite Index® ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Mega Cap Growth Index Fund ETF Shares
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
  • Tesla Inc
    2.24%
    Part of fund(s):
    • Fidelity® Nasdaq Composite Index® ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Mega Cap Growth Index Fund ETF Shares
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
  • Eli Lilly and Company
    1.39%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Mega Cap Growth Index Fund ETF Shares
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
  • Top 10 total 50.03%

Looking through the ETFs, a lot of exposure quietly piles into the same giants: NVIDIA, Apple, Microsoft, Broadcom, Amazon, Alphabet, Meta, Tesla, and Eli Lilly together represent a big slice of the underlying risk. These companies appear in multiple funds, so even if each ETF looks diversified on its own, the combined picture is more concentrated than it first appears. This overlap is especially important because the look-through only catches top-10 ETF holdings, so real concentration is likely even higher. The key takeaway: a few mega-cap names are effectively steering a large part of the portfolio’s ups and downs, which is great when they’re winning but increases single-theme risk.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 100%
Size
Exposure to smaller companies
Neutral
Data availability: 90%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 90%
Quality
Preference for financially healthy companies
Neutral
Data availability: 90%
Yield
Preference for dividend-paying stocks
Low
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Low
Data availability: 90%

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.

On factor exposure, there’s a clear tilt away from value, yield, and low volatility, with all three showing “low” scores. Factor exposure is basically how much the portfolio leans into characteristics like cheapness (value), stability (low volatility), or high dividends (yield) that research has linked to long-run returns. A low value score reflects a preference for expensive, high-growth companies; low yield matches the growth focus, as many holdings reinvest profits rather than pay large dividends. Low low-volatility exposure means this portfolio is not built to be smooth. The neutral scores on size, momentum, and quality suggest it behaves broadly like the growth side of the market, without extreme bets on those factors.

Risk contribution Info

  • Fidelity® MSCI Information Technology Index ETF
    Weight: 15.00%
    18.2%
  • Vanguard Information Technology Index Fund ETF Shares
    Weight: 15.00%
    18.1%
  • Vanguard Mega Cap Growth Index Fund ETF Shares
    Weight: 15.00%
    16.2%
  • Fidelity® Nasdaq Composite Index® ETF
    Weight: 15.00%
    16.1%
  • Schwab U.S. Large-Cap Growth ETF
    Weight: 15.00%
    16.0%
  • Top 5 risk contribution 84.5%

Risk contribution shows how much each holding adds to overall portfolio volatility, which can differ from its weight. Here, the two tech index ETFs each weigh 15% but contribute about 18% of the risk apiece, slightly punching above their weight. The top three holdings together drive over half of the portfolio’s total risk, even though they’re only 45% by weight. That’s a sign of concentrated risk in a few, very similar exposures. The good news is that this aligns with the intentional growth-tech tilt. The trade-off: shocks to high-growth US tech will ripple through the entire portfolio more than the allocation percentages alone suggest.

Redundant positions Info

  • Vanguard Mega Cap Growth Index Fund ETF Shares
    Vanguard Information Technology Index Fund ETF Shares
    Vanguard Russell 1000 Growth Index Fund ETF Shares
    Fidelity® MSCI Information Technology Index ETF
    Fidelity® Nasdaq Composite Index® ETF
    Schwab U.S. Large-Cap Growth ETF
    High correlation

The correlation data shows that almost all the equity ETFs move very closely together. Correlation measures how often assets move in the same direction; highly correlated holdings can feel different by name but behave similarly when stress hits. Here, the strong overlap and shared growth-tech bias explain why pairs like the tech ETFs and Nasdaq/growth funds are almost indistinguishable in their day-to-day moves. This is not inherently bad—concentrating on a theme can amplify returns when that theme is winning—but it does reduce diversification benefits. In a sharp tech or growth downturn, multiple holdings are likely to fall together, rather than providing offsetting behavior.

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 portfolio sits below the efficient frontier by about 1.1 percentage points at its current risk level. The efficient frontier represents the best possible trade-off between risk and expected return using the existing holdings but in different weights. The current Sharpe ratio of 0.7 (risk-adjusted return) is solid, yet the max-Sharpe version hits 0.9 with higher expected return for slightly more risk. Interestingly, the minimum variance mix has very low risk but also low expected return and a higher Sharpe, reflecting today’s high cash rate. The key point: simply reweighting what’s already here—without adding new funds—could squeeze more efficiency out of the same building blocks.

Dividends Info

  • Fidelity® MSCI Information Technology Index ETF 0.40%
  • Vanguard Mega Cap Growth Index Fund ETF Shares 0.40%
  • Fidelity® Nasdaq Composite Index® ETF 0.60%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Schwab Value Advantage Money Fund 3.60%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard Russell 1000 Growth Index Fund ETF Shares 0.50%
  • Weighted yield (per year) 0.72%

The portfolio’s total yield is about 0.72%, which is low compared with income-focused or broad-market allocations. Most of the equity ETFs pay only around 0.4–0.6%, with a higher yield coming from the money fund at 3.6%. Dividends matter because they can provide a steady cash flow and historically have made up a meaningful part of total return for many portfolios. Here, the design is clearly tilted toward capital appreciation rather than income. That’s fully consistent with a growth-oriented approach, but it means this setup is less suited to someone needing regular cash payouts and more for someone comfortable watching value swing while reinvested earnings drive the long game.

Ongoing product costs Info

  • Fidelity® MSCI Information Technology Index ETF 0.08%
  • Vanguard Mega Cap Growth Index Fund ETF Shares 0.07%
  • Fidelity® Nasdaq Composite Index® ETF 0.21%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard Russell 1000 Growth Index Fund ETF Shares 0.08%
  • Weighted costs total (per year) 0.09%

Costs are a real bright spot. The average total expense ratio (TER) across the ETFs is about 0.09%, which is impressively low. TER is the annual fee the fund charges, and even small differences compound significantly over long periods. Being this close to rock-bottom ETF costs means more of the portfolio’s returns stay in the investor’s pocket instead of going to fund managers. Equally important, the low-cost funds are still providing access to powerful growth themes and major indices. This alignment with cost best practices is a big structural advantage and sets a strong foundation for long-term compounding.

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