Concentrated us growth portfolio with strong large cap tilt and efficient risk return profile
Report created on Apr 10, 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
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VO Vanguard S&P 500 ETF
VOO - US9229083632 70.00% -
VU Vanguard Growth Index Fund ETF Shares
VUG - US9229087369 20.00% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 10.00%
The portfolio is built from three low-cost US stock ETFs, with 70% in a broad US index, 20% in a growth-tilted fund, and 10% focused on information technology. So it’s 100% equities and very US-growth oriented, with no bonds or alternatives to soften volatility. That structure is powerful for long-term growth but can be bumpy in downturns, since there’s nothing defensive to offset equity swings. For someone with a long horizon who can ignore short-term noise, this kind of simple, focused line-up can work well. For anyone needing stability or near-term withdrawals, this level of equity concentration would usually feel pretty intense.
Growth
Historically, $1,000 grew to about $4,364 over the period, which is a compound annual growth rate (CAGR) of 15.92%. CAGR is like your average speed on a long road trip, smooths out all the ups and downs. This beat both the US market (14.58%) and global market (12.11%), showing that the growth-heavy US tilt has paid off. The worst drawdown was about -33% during early 2020, similar to the benchmarks, and it recovered in around four months. That’s a reminder that even strong long-term performers can drop a third in value quickly, so emotional resilience and staying invested through shocks are crucial.
Projection
The Monte Carlo projection runs 1,000 simulated futures using past return and volatility patterns to see a range of possible 15‑year outcomes. It’s like rolling the dice many times based on historical behavior, not predicting any single path. The median outcome grows $1,000 to about $2,802, with a wide “likely” band between roughly $1,824 and $4,177, and an overall average annualized return of 8.09%. Roughly three-quarters of simulations end positive, but there’s still a meaningful chance of lower outcomes. These simulations are useful for planning, but they rely on the past looking somewhat like the future, which is never guaranteed.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with 0% in bonds, cash, or other asset classes. Equities historically offer higher returns than safer assets, but they also swing more, especially during recessions or crises. Being entirely in stocks can make sense for long time horizons and for investors who can handle big drawdowns without panicking. However, it also means that when markets fall sharply, there’s no ballast to cushion the blow. Over decades, that trade-off can be rewarding, but it does put more pressure on your risk tolerance and your ability to avoid emotional decisions during rough patches.
Sectors
- Technology 43%
- Telecommunications 11%
- Consumer Discretionary 10%
- Financials 10%
- Health Care 8%
- Industrials 7%
- Consumer Staples 4%
- Energy 3%
- Utilities 2%
- Real Estate 2%
- Basic Materials 2%
Sector-wise, there’s a strong tilt toward technology at 43%, with additional exposure to telecoms, consumer discretionary, and financials, while more defensive areas like utilities, staples, and real estate are smaller slices. Compared to broad market norms, that tech-heavy stance is a key driver of both higher returns and higher volatility. Tech and related growth sectors can be very sensitive to interest rates and sentiment: they tend to shine when growth is rewarded, but can suffer outsized drops when rates rise or markets de-risk. This allocation is aggressive but coherent for someone specifically aiming to ride long-term innovation and growth trends.
Regions
- North America 99%
Geographically, about 99% of the equity exposure sits in North America, effectively making this a single-region portfolio. That’s aligned with a US-focused investor base and has been rewarding over the last decade, as US markets outperformed many others. The flip side is concentration risk: economic, political, or regulatory shocks in one country or currency will impact nearly the entire portfolio. A more globally spread approach tends to smooth out local issues, but can lag when the dominant region is winning. This setup suits someone comfortable making a big bet on the ongoing strength of one large, developed market.
Market capitalization
- Mega-cap 51%
- Large-cap 31%
- Mid-cap 16%
- Small-cap 1%
By market cap, there’s a strong lean to mega-cap and large-cap companies, with over 80% in those categories and very little in small caps. Large and mega caps tend to be more stable and widely researched, which can reduce idiosyncratic company risk compared to a heavy small-cap tilt. They also tend to dominate broad market indices, so this pattern is broadly in line with standard benchmarks. The modest mid-cap exposure adds some growth potential without dramatically increasing volatility. Overall, this size mix is mainstream and sensible for a core equity portfolio, avoiding the extra bumpiness that comes with lots of small-cap exposure.
True holdings
-
NV NVIDIA Corporation 9.49%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AA Apple Inc 8.68%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 6.34%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.31%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 3.29%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 3.02%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.62%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 2.57%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
TS Tesla Inc 2.06%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Growth Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 1.10%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 42.49%
Looking through the ETFs, a big chunk clusters in a handful of mega-cap names: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Berkshire together make up a notable share of the “seen” holdings. These appear in multiple funds, so their combined weight is higher than any single ETF suggests. That kind of overlap creates hidden concentration: if one or two of these giants stumble, the hit spreads across several ETFs at once. Because only ETF top-10 holdings are used, true overlap is likely higher, so actual concentration in those leaders is probably stronger than the data alone shows.
Factors
Factor exposure is broadly market-like across value, momentum, quality, yield, and low volatility, with no strong tilts showing. Factor exposure just means how much the portfolio leans into characteristics that research links to returns, like cheapness (value) or trendiness (momentum). Size shows a mild tilt away from smaller companies, which matches the dominance of mega and large caps. This balanced factor profile suggests performance will largely track broad market forces rather than leaning hard on any specific style. That can be helpful if you want to avoid big style bets, though it also means less diversification across distinct factor cycles.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 70.00% 65.7% -
Vanguard Growth Index Fund ETF Shares
Weight: 20.00% 22.0% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 10.00% 12.3%
Risk contribution measures how much each holding drives the portfolio’s overall ups and downs, which can differ from weight. Here, the S&P 500 ETF is 70% of the portfolio but contributes about 66% of risk, while the growth and tech funds punch slightly above their weight in risk terms. The 20% growth fund adds 22% of risk and the 10% tech fund adds over 12%, reflecting their higher volatility. This pattern makes sense: more concentrated growth strategies usually move more. If the goal is to keep an aggressive profile, this alignment is reasonable, but any increase in those satellites would quickly amplify overall swings.
Redundant positions
-
High correlationVanguard S&P 500 ETFVanguard Growth Index Fund ETF SharesVanguard Information Technology Index Fund ETF Shares
The ETFs in this portfolio are highly correlated, especially the growth fund with both the S&P 500 and the dedicated tech ETF. Correlation describes how often assets move in the same direction at the same time; high correlation means less diversification when markets get rough. Here, when US stocks go down, all three positions are likely to drop together, limiting any cushioning effect between holdings. The structure is essentially a bet on one broad equity engine with some added growth and tech emphasis, rather than a mix of uncorrelated strategies. That’s fine if the aim is focused equity growth rather than smoothing the ride.
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 on or very near the efficient frontier, which is the curve showing the best expected return for each risk level using the current holdings. The Sharpe ratio, which measures return per unit of risk over the risk‑free rate, is 0.66 for the portfolio. While the optimal and minimum-variance mixes have higher Sharpe ratios on paper, the current allocation is already classified as efficient for its chosen risk. That’s encouraging: it means, given these three ETFs, the weights are doing a solid job of balancing risk and reward without obvious structural inefficiencies.
Dividends
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Growth Index Fund ETF Shares 0.40%
- Weighted yield (per year) 0.86%
The total dividend yield is about 0.86%, with the broad S&P 500 ETF doing most of that work at around 1.10%, while growth and tech yields are very low. Dividend yield is the annual cash payout as a percentage of price; it contributes to total return but isn’t the main driver here. This setup clearly favors capital appreciation over income, which lines up with the growth-oriented sector and factor profile. It’s a sensible structure for reinvestors who care more about compounding than cash flow. For anyone needing regular income, though, this level of yield would usually feel quite sparse.
Ongoing product costs
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Growth Index Fund ETF Shares 0.04%
- Weighted costs total (per year) 0.04%
Costs are impressively low, with an overall total expense ratio (TER) of about 0.04%. TER is the annual fee charged by funds, expressed as a percentage of assets, and it quietly eats into returns over time. Here, the broad S&P 500 ETF is extremely cheap at 0.03%, and even the specialized tech ETF stays at a very reasonable 0.10%. This low-fee foundation is a big positive: shaving even a few tenths of a percent per year can add up to a noticeable difference over decades. From a cost standpoint, the setup is highly efficient and supports better long-term performance.
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