Growth focused US equity portfolio with strong tech tilt and moderate concentration in large innovative companies
Report created on Sep 22, 2026Risk profile
5/7
Diversification profile
2/5
Positions
-
FX Fidelity 500 Index Fund
FXAIX - US3159117502 40.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 20.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 15.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 15.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00%
This portfolio is a pure equity mix with five holdings, all tracking US stocks, and no bonds or cash. About 40% sits in a broad S&P 500 index fund, while the rest leans into specific styles: tech-heavy Nasdaq 100, large-cap growth, S&P 500 momentum, and a small-cap value slice. This structure puts the core in a diversified market fund and layers on more focused, higher-growth exposures. A setup like this tends to move closely with the US stock market but with an extra tilt toward growth and momentum themes, which can amplify both gains and swings compared with a plainer index-only approach.
Growth
From late 2020 to September 2026, $1,000 in this portfolio grew to about $2,555, giving a compound annual growth rate (CAGR) of 17.19%. CAGR is like your “average speed” over the whole trip, smoothing out bumps along the way. That return beat both the US market (15.62%) and global market (13.54%) over the same period. The worst peak-to-trough loss, or max drawdown, was about -25.9%, very similar to broad markets. This shows the portfolio has captured strong upside while taking on drawdowns in line with equities overall, though that still meant roughly a quarter of value temporarily disappearing during the 2022 downturn.
Projection
The Monte Carlo projection uses 1,000 simulated paths based on historical return and volatility patterns to picture how $1,000 might grow over 15 years. Think of it as running many “what if” market histories to see a range of possible futures. The median outcome lands around $2,729, with a wide middle range from roughly $1,804 to $4,128. The annualized return across all simulations is 8.0%, with positive outcomes in about three-quarters of cases. These are not predictions, just scenario-based estimates that remind you results can vary a lot and that real future markets may behave differently than the past data used here.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with no allocation to bonds, cash, or alternatives. That 100% equity exposure explains why the risk classification lands in the “growth” range and why volatility and drawdowns look similar to stock market benchmarks. Equities historically have offered higher long-term return potential than bonds, but with sharper short-term moves. Compared with multi-asset benchmarks that include bonds, this portfolio will likely react more strongly to market cycles, benefiting more in strong bull markets and feeling corrections more directly when stocks fall, since there is no built-in stabilizing asset class.
Sectors
- Technology 43%
- Telecommunications 10%
- Financials 10%
- Industrials 8%
- Health Care 7%
- Consumer Discretionary 6%
- Consumer Staples 5%
- Consumer Discretionary 4%
- Energy 4%
- Basic Materials 2%
- Utilities 1%
- Real Estate 1%
Sector-wise, the portfolio leans heavily into technology at 43%, with the rest spread across telecom, financials, industrials, health care, and various consumer and cyclical areas. A tech share this large is meaningfully above typical broad-market weights, which often sit closer to the low- to mid-30s. Tech-heavy portfolios can benefit when innovation-oriented companies lead returns, but they can also be more sensitive to changes in interest rates, regulation, and shifts in sentiment toward high-growth business models. The other sectors provide some breadth, yet the dominant driver of behavior here is clearly the technology and communication exposure.
Regions
- North America 99%
Geographically, the portfolio is almost entirely concentrated in North America at 99%. That aligns well with its building blocks, which all track US-focused indexes and funds. While this matches the current holdings and has historically benefited from US stock market strength, it also means almost all risk is tied to one economy, one set of regulators, and one currency. Compared with global benchmarks that include Europe, Asia, and emerging markets, this portfolio will rise and fall mainly with US-specific news and cycles. It is tightly aligned with US equity trends rather than reflecting the broader global equity opportunity set.
Market capitalization
- Mega-cap 44%
- Large-cap 32%
- Mid-cap 13%
- Small-cap 5%
- Micro-cap 5%
By market capitalization, the portfolio skews toward larger companies: around 44% in mega-caps, 32% in large-caps, then smaller slices in mid-, small-, and micro-caps. That pattern is fairly similar to major US benchmarks, though the explicit 10% allocation to a small-cap value ETF adds some extra exposure to the smaller end. Larger companies usually bring more stability and liquidity, while smaller firms can be more volatile but occasionally deliver stronger growth spurts. This mix suggests the portfolio will mostly move like a large-cap US index, with a bit of extra punch and variability from its smaller-company component.
True holdings
-
NV NVIDIA Corporation 4.65%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco S&P 500® Momentum ETF
- Schwab U.S. Large-Cap Growth ETF
-
AA Apple Inc. 3.07%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
-
MU Micron Technology Inc 2.63%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco S&P 500® Momentum ETF
-
MS Microsoft Corporation 2.29%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class A 1.93%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco S&P 500® Momentum ETF
- Schwab U.S. Large-Cap Growth ETF
-
AM Advanced Micro Devices Inc 1.87%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco S&P 500® Momentum ETF
- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class C 1.62%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco S&P 500® Momentum ETF
- Schwab U.S. Large-Cap Growth ETF
-
AM Amazon.com Inc 1.60%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
-
AV Broadcom Inc 1.40%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Schwab U.S. Large-Cap Growth ETF
-
ME Meta Platforms Inc. 1.10%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
- Top 10 total 22.17%
Looking through to top holdings across the ETFs, a handful of big tech and communication names stand out: NVIDIA, Apple, Microsoft, Alphabet, Amazon, Meta, and similar firms. NVIDIA alone accounts for about 4.65% of the overall portfolio based just on top-10 data, and several of these names appear in multiple funds. That overlap creates hidden concentration, because the same company is being owned through more than one ETF. Since only ETF top-10 positions are captured, true overlap is likely higher, meaning the portfolio is more dependent on the fortunes of a small group of very large growth and tech-related companies than the holding list initially suggests.
Factors
Factor exposure here is generally balanced, with value, size, momentum, quality, and low volatility all sitting in a neutral, market-like range. Factor exposure is basically how much the portfolio leans into traits like “cheap,” “fast-moving,” or “steady” that research has linked to long-term returns. The main standout is yield at 32%, which is mildly low. That fits with a growth-oriented equity mix, where companies often reinvest rather than paying high dividends. A factor profile like this suggests behavior broadly in line with the wider market, with a slight tilt away from income-oriented strategies and more reliance on price appreciation for returns.
Risk contribution
-
Fidelity 500 Index Fund
Weight: 40.00% 35.5% -
Invesco NASDAQ 100 ETF
Weight: 20.00% 23.4% -
Schwab U.S. Large-Cap Growth ETF
Weight: 15.00% 17.1% -
Invesco S&P 500® Momentum ETF
Weight: 15.00% 14.8% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 9.2%
Risk contribution shows how much each holding drives the overall ups and downs, which can differ from its simple weight. Here, the S&P 500 index fund is 40% of the portfolio but contributes about 35.5% of the risk, slightly under its weight. The Nasdaq 100 and the large-cap growth ETF together are 35% by weight yet contribute about 40.5% of risk, meaning they punch somewhat above their size in driving volatility. The top three holdings together explain around 76% of total portfolio risk. That’s a moderate concentration: still diversified across funds, but the risk story is dominated by those large growth and index exposures.
Redundant positions
-
High correlationInvesco NASDAQ 100 ETFSchwab U.S. Large-Cap Growth ETF
The correlation section highlights that the Nasdaq 100 ETF and the Schwab U.S. Large-Cap Growth ETF move almost identically. Correlation measures how often assets move in the same direction; when it’s very high, they act more like one combined position than two separate diversifiers. Because both of these focus on similar types of large US growth companies, they tend to respond in near lockstep to market news. That reduces the diversification benefit you might expect from simply counting the number of holdings, since these two funds aren’t likely to offset each other much during market 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 vs. return chart, the current portfolio has a Sharpe ratio of 0.75, compared with 1.03 for the optimal mix and 0.91 for the minimum-variance version using the same ingredients. The Sharpe ratio is a way to measure return per unit of risk after accounting for a risk-free rate. The current allocation sits about 2.1 percentage points below the efficient frontier at its risk level, meaning there are combinations of these same five funds that historically would have delivered either better return for the same risk or similar return with less volatility, purely by reweighting, not by adding new holdings.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.60%
- Fidelity 500 Index Fund 1.00%
- Invesco NASDAQ 100 ETF 0.40%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Invesco S&P 500® Momentum ETF 0.70%
- Weighted yield (per year) 0.80%
The portfolio’s total dividend yield is around 0.8%, with the highest individual yield coming from the small-cap value ETF at 1.6% and the broad S&P 500 fund at 1.0%. Yield is the income paid out as dividends relative to the investment’s value, and here it’s fairly modest. That lines up with a growth- and tech-tilted US equity portfolio, where many companies prefer to reinvest earnings rather than distribute cash. In practice, most of this portfolio’s historical and expected return comes from price movements rather than dividends, so income plays a secondary role compared with capital appreciation.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Fidelity 500 Index Fund 0.02%
- Invesco NASDAQ 100 ETF 0.15%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Invesco S&P 500® Momentum ETF 0.13%
- Weighted costs total (per year) 0.09%
Total ongoing fund costs are low at about 0.09% per year, driven by the very cheap S&P 500 index fund at 0.02% and the large-cap growth ETF at 0.04%. Even the more specialized ETFs sit at reasonable expense ratios, with the highest at 0.25%. Costs like these are taken out inside the funds and quietly reduce returns each year, so keeping them low helps more of the portfolio’s performance stay in the investor’s pocket. Relative to many actively managed or niche strategies, this cost level is impressively low and provides a strong structural foundation for long-term compounding.
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