Tech-tilted global stock portfolio with strong US focus and efficient risk adjusted return profile
Report created on Sep 15, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 50.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 30.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10.00%
This portfolio is a four‑fund, all‑equity mix with a clear US tilt. About half sits in a broad US total stock fund, roughly a third in a Nasdaq 100 tracker, and the remaining slice is split between US small-cap value and a global ex‑US fund. So it combines a very wide core with a growth‑heavy satellite and a couple of targeted tilts. Being 100% stocks, its day‑to‑day swings will mainly follow equity markets rather than bonds or cash. The mix blends broad market exposure with an extra push toward large US growth and smaller value names, creating a structure that can capture a wide range of company types while still feeling relatively simple.
Growth
Over the period from late 2020 to late 2026, a hypothetical $1,000 in this portfolio grew to about $2,375, implying a compound annual growth rate (CAGR) of 15.81%. CAGR is like the average speed on a road trip, smoothing out every bump and slowdown. This growth slightly edged out the US market benchmark and clearly outpaced the global market benchmark over the same time. The worst peak‑to‑trough fall, or max drawdown, was about -26.8%, somewhat deeper than the US benchmark but very close to the global one. The fact that 90% of returns came from just 28 days highlights how much long‑term results rely on staying invested through sharp, concentrated upswings.
Projection
The Monte Carlo projection uses past return and volatility patterns to simulate many possible futures, a bit like rolling loaded dice a thousand times based on historical behavior. For a $1,000 starting amount over 15 years, the median outcome lands around $2,771, with most simulated paths falling between roughly $1,800 and $4,300. A very wide “possible” band from about $1,000 to $8,000 shows how uncertain long‑term equity outcomes can be. The average simulated annual return of about 8.3% is meaningfully above the assumed cash outcome, but 25–30% of scenarios still end near or below break‑even in real terms, underlining that equities can disappoint over some 15‑year stretches despite attractive central estimates.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with no allocation to bonds, cash, or alternative assets. Asset classes are broad buckets like stocks, bonds, or real estate that tend to behave differently in various economic environments. A 100% stock mix maximizes exposure to business growth and earnings but also fully absorbs equity market drawdowns when they happen. Compared with more mixed stock‑bond allocations, this structure leans into higher long‑term return potential at the cost of larger and longer‑lasting declines along the way. The diversification here comes from owning many different stocks across size categories and regions rather than from blending different asset classes with opposing behavior.
Sectors
- Technology 38%
- Financials 11%
- Consumer Discretionary 11%
- Telecommunications 9%
- Industrials 9%
- Health Care 7%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 2%
- Utilities 2%
- Real Estate 2%
Sector‑wise, the portfolio is tilted toward technology at about 38%, higher than many broad global indices, with financials and consumer discretionary next around 11% each. Other sectors like telecom, industrials, health care, staples, energy, materials, utilities, and real estate make up smaller slices. Sector weights matter because different parts of the economy react differently to things like interest rate changes or shifts in consumer demand. A tech‑heavy mix often benefits when innovation and growth stocks are in favor, but it can experience sharper swings if valuations compress or sentiment cools toward high‑growth companies. The presence of more defensive sectors in smaller weights still adds some balance, but the growth‑oriented tilt is clear.
Regions
- North America 90%
- Europe Developed 4%
- Asia Developed 2%
- Japan 2%
- Asia Emerging 1%
Geographically, the portfolio is dominated by North America at about 90%, with only modest exposure to Europe, Japan, and other developed and emerging regions. Geography affects both economic drivers and currency exposure, since companies earn profits in different parts of the world and report them in various currencies. Compared with a classic global equity benchmark, this mix is meaningfully more US‑centric. That alignment has historically been a tailwind during periods when US stocks outperformed the rest of the world. The trade‑off is that results are more tightly linked to US economic conditions, policy decisions, and the dollar, with relatively little diversification from markets that sometimes perform differently.
Market capitalization
- Mega-cap 41%
- Large-cap 28%
- Mid-cap 15%
- Small-cap 8%
- Micro-cap 6%
By market cap, there is a strong lean toward larger companies: about 41% in mega‑caps and 28% in large‑caps, with mid‑, small‑, and micro‑caps filling out the rest. Market capitalization is simply company size on the stock market, and size can influence both risk and return patterns. Big companies tend to be more stable and widely followed, while smaller ones can be more volatile but sometimes grow faster. The dedicated slice in US small‑cap value plus exposure to micro‑caps provides a meaningful, though not dominant, tilt away from just the largest names. This combination allows the portfolio to participate in both the steadier behavior of giants and the more dynamic, sometimes bumpier, performance of smaller firms.
True holdings
-
NV NVIDIA Corporation 5.81%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc. 5.16%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.67%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.91%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 2.40%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.38%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 2.01%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.72%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.66%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.23%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 28.94%
Looking through the ETFs, the top underlying exposures include well‑known large tech and growth names such as NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, and Broadcom. Several of these companies appear across both the total market and Nasdaq 100 funds, creating overlap that concentrates exposure more than the simple four‑fund count suggests. For example, NVIDIA alone adds up to nearly 6% of the portfolio, and Apple over 5%, via multiple funds. This is common in US‑focused ETF portfolios but important to recognize: when the same company is owned through various funds, its ups and downs have an outsized influence versus what a fund‑level view might imply.
Factors
Factor exposure is broadly neutral across value, size, momentum, quality, yield, and low volatility, meaning the portfolio behaves much like the overall market on these academically studied characteristics. Factors are like underlying “ingredients” that help explain why certain stocks do better or worse over time. A neutral profile suggests there is no strong tilt toward classic styles such as deep value, high momentum, or defensive low‑volatility. Instead, the distinctive features of this portfolio come more from its tech and US concentration than from specific factor bets. That alignment with market‑like factor exposure tends to make returns easier to compare with broad benchmarks and reduces reliance on any single style cycle.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 50.00% 47.1% -
Invesco NASDAQ 100 ETF
Weight: 30.00% 35.5% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 9.9% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 10.00% 7.5%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. Here, the three US‑focused funds together account for over 92% of total risk, broadly in line with their combined 90% allocation. The Nasdaq 100 fund is the main outlier, contributing about 35.5% of risk despite being 30% of the portfolio, reflecting its more volatile growth‑stock profile. In contrast, the international fund contributes less risk than its 10% weight. This pattern indicates that while position sizes are the main driver of risk, the growth‑tilted sleeve slightly amplifies total volatility compared with the more diversified core.
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.
The risk‑versus‑return analysis shows the current mix sitting on or very near the efficient frontier, which is the curve representing the best possible return for each risk level using just these holdings. The Sharpe ratio—return above the risk‑free rate divided by volatility—is about 0.69 for the current portfolio, compared with roughly 0.92 for the mathematically optimal mix and 0.79 for the minimum‑volatility option. Sharpe is like a “miles per gallon” measure for risk‑taking. Being on the frontier means that, for this specific set of funds, the existing allocation is already using risk efficiently, with no obvious gain in risk‑adjusted performance available from simple reweighting alone.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.60%
- Invesco NASDAQ 100 ETF 0.40%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.50%
- Weighted yield (per year) 1.03%
The portfolio’s overall dividend yield is around 1.03%, which is relatively modest. Yield measures how much cash income is paid out each year relative to the value invested. The international fund has the highest yield near 2.5%, while the Nasdaq‑focused ETF is closer to 0.4%, reflecting the growth‑oriented nature of many of its companies. In practice, this means most of the portfolio’s return is expected to come from price movements rather than regular cash payouts. That fits the growth and tech tilt: companies reinvest more earnings instead of distributing them. For investors who care about total return, lower yield is not necessarily a drawback, but it does mean less natural income along the way.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.09%
Costs are a strong point here. The portfolio’s blended total expense ratio (TER) of about 0.09% per year is very low by industry standards. TER is the ongoing fee paid to run each fund, quietly deducted from returns, so even small differences can add up over decades. Three of the four ETFs charge 0.15% or less, with the small‑cap value fund a bit higher at 0.25% but still reasonable for its more specialized strategy. This cost profile is well‑aligned with best practices for long‑term investing, helping ensure that more of the portfolio’s gross market return actually reaches the investor rather than being lost to fees.
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