Balanced growth portfolio blending broad markets small value tilt and moderate tech concentration
Report created on Apr 7, 2026Risk 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
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 50.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 20.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 10.00%
The portfolio is a simple four‑ETF mix fully invested in stocks: 50% large US market, 20% US small‑cap value, 20% international stocks, and 10% concentrated US growth via a NASDAQ 100 fund. This structure mixes broad “core” building blocks with a couple of clear tilts: smaller value companies and large US growth. That’s relevant because core funds tend to behave like the overall market, while the tilts can push returns and volatility up or down at different times. Overall, this is a straightforward, easy‑to‑manage setup that leans toward growth while still spreading risk across company sizes and regions rather than betting on a single theme or niche.
Growth
Historically, $1,000 grew to $2,082 over roughly 5.5 years, a compound annual growth rate (CAGR) of 14.4%. CAGR is like average speed on a road trip: it smooths out bumps to show long‑run pace. This beat both the US market (13.77%) and global market (11.87%) over the period, with a max drawdown of -24.18%, similar to the benchmarks. Drawdown is the worst peak‑to‑trough drop; here it took about 9 months to fall and 15 to fully recover. That pattern suggests the portfolio captured extra upside without taking meaningfully more downside, but remember: past performance doesn’t guarantee future results, especially over a relatively short and unusually strong market window.
Projection
The Monte Carlo projection runs 1,000 simulations of the next 15 years using patterns from historical returns, volatility, and correlations. Think of it as rolling the dice many times with today’s portfolio to see a range of plausible futures, not a single forecast. The median outcome grows $1,000 to about $2,798, with a wide “likely” band from roughly $1,748 to $4,467 and more extreme outcomes between about $935 and $8,415. The average simulated annual return is 8.33%, with about a 73% chance of ending positive. These ranges highlight both the growth potential and the uncertainty: even a well‑built stock portfolio can end near flat over 15 years in weaker scenarios.
Asset classes
- Stocks 100%
All holdings are in stocks, with 0% in bonds, cash, or alternatives. That single‑asset‑class setup is important because stocks historically offer higher long‑term returns but come with bigger short‑term swings. There is no built‑in cushion from fixed income to smooth out downturns or provide income stability. For someone comfortable riding out market cycles and focusing on long horizons, a 100% equity mix can be reasonable. For anyone with shorter horizons or who dislikes big drawdowns, adding other asset classes would usually be the lever to dial down volatility. As it stands, this is a growth‑oriented allocation, not a capital‑preservation or income‑focused one.
Sectors
- Technology 26%
- Financials 16%
- Consumer Discretionary 12%
- Industrials 11%
- Telecommunications 8%
- Health Care 8%
- Energy 7%
- Consumer Staples 6%
- Basic Materials 4%
- Utilities 2%
- Real Estate 2%
Sector exposure is fairly broad, with technology the largest slice at 26%, followed by financials (16%), consumer discretionary (12%), and industrials (11%), with no sector overwhelmingly dominant. Tech is somewhat heavier than a typical global market mix, reflecting the S&P 500 and NASDAQ 100 influence, but it’s not an extreme bet. This means returns may lean more on innovative, growth‑oriented businesses, which can shine in low‑rate, strong‑growth periods but be more sensitive if interest rates stay high or economic growth slows. The balanced presence of financials, industrials, and other sectors helps reduce the risk of any single economic theme completely driving portfolio results.
Regions
- North America 81%
- Europe Developed 8%
- Japan 3%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 1%
- Latin America 1%
- Africa/Middle East 1%
Geographically, about 81% is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and emerging markets. The US share is meaningfully higher than a pure global market index, where the US is closer to 60%, so this is a clear home‑country tilt. That’s worked very well over the last decade as US equities outperformed most other regions, helping returns. The trade‑off is that economic, policy, or currency shocks specific to the US would ripple through most of the portfolio at once. The international sleeve still adds diversification, but global exposure is more of a strong supporting act than an equal partner.
Market capitalization
- Mega-cap 37%
- Large-cap 27%
- Mid-cap 14%
- Small-cap 12%
- Micro-cap 9%
By market cap, the portfolio spans the spectrum: 37% mega‑cap, 27% large‑cap, 14% mid‑cap, 12% small‑cap, and 9% micro‑cap. That’s broader than a plain S&P 500 allocation and comes mainly from the dedicated small‑cap value fund. Smaller companies and micro‑caps can be more volatile and sensitive to economic shifts, but they also historically have offered periods of higher returns. Having meaningful exposure across sizes means you’re not overly reliant on just the biggest companies to drive performance. It also means you’ll feel some extra bumps when smaller stocks are out of favor, but you’re well‑positioned if size premiums show up over the long run.
True holdings
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NV NVIDIA Corporation 4.53%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 4.08%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.04%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.19%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.89%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.59%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.55%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.54%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.32%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 0.79%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 22.51%
Looking through ETF top holdings, a big chunk of the risk and return is tied to a handful of mega‑cap growth names: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Berkshire. Many of these show up in both the S&P 500 and NASDAQ 100 funds, creating overlap and hidden concentration even though you hold several ETFs. This matters because if those giants hit a rough patch, multiple positions may fall together. At the same time, their strong past performance has helped boost returns. The overlap is probably even larger than shown here, since only ETF top‑10 holdings are included, so actual concentration in these names is likely higher under the surface.
Factors
Factor exposures are all in the neutral band around 50% for value, size, momentum, quality, yield, and low volatility. Factor exposure is basically how much your portfolio leans into certain traits, like cheapness (value) or stability (low volatility), that research links to returns. In this case, there are no strong tilts either toward or away from any of the six factors. That’s actually a positive: the portfolio behaves broadly like the overall market factor mix, so you’re not making a big bet on any single style winning or losing. Returns should mainly reflect broad equity market performance plus your specific US and small‑cap value allocations, not factor timing.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 48.0% -
Avantis® U.S. Small Cap Value ETF
Weight: 20.00% 23.9% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 16.4% -
Invesco NASDAQ 100 ETF
Weight: 10.00% 11.8%
Risk contribution shows how much each holding drives the overall ups and downs, which can differ from simple weights. Your 50% S&P 500 position contributes about 48% of portfolio risk, almost exactly in line with its size, so it’s the main “engine” but not overly aggressive. The 20% small‑cap value fund contributes about 24% of risk, and the 10% NASDAQ 100 roughly 12% of risk, both punching a bit above their weights due to higher volatility. The international fund adds less risk than its 20% weight. Overall, risk is dominated by the three US‑focused pieces (about 88% of total risk), meaning market shocks outside the US matter less.
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 efficient frontier chart, your portfolio sits on or very close to the curve, meaning that for its current mix of holdings, it’s using risk efficiently. The Sharpe ratio, which measures return per unit of volatility above the risk‑free rate, is 0.65 for the current mix, compared with 0.86 for the optimal weighting and 0.73 for the minimum‑variance option. Those alternatives tweak weights among the same funds to either maximize risk‑adjusted returns or minimize risk. The key point: you’re not leaving big gains on the table with an obviously inefficient mix. Any further improvement would be incremental fine‑tuning, not a major structural fix.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.40%
- Invesco NASDAQ 100 ETF 0.50%
- Vanguard S&P 500 ETF 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 2.90%
- Weighted yield (per year) 1.51%
The overall dividend yield is about 1.51%, with the international fund offering the highest yield (2.9%) and the NASDAQ 100 the lowest (0.5%). Dividend yield is the annual cash payout as a percentage of price, like a “cashback” rate from your holdings. A modest yield like this signals a growth‑oriented portfolio, where many companies reinvest profits rather than paying them out. That can be attractive for long‑term compounding, but it means income alone is not a big part of the return profile. For anyone relying on cash flows, withdrawals would mostly come from selling shares rather than just living off dividends, especially during lower‑yield periods.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.09%
Total ongoing costs are very low, with a blended TER of about 0.09%. The TER (total expense ratio) is the annual fee charged by a fund, quietly deducted from returns, like a small service charge. For a diversified equity portfolio, anything near or below 0.10% is excellent and compares favorably with many similar strategies that charge two to four times as much. Low costs matter because they compound: saving even a fraction of a percent per year can translate into a noticeably larger portfolio over decades. Here, costs are a real strength and support better long‑term outcomes without sacrificing diversification or simplicity.
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