Single fund US growth portfolio with strong large cap focus and low but very clean costs
Report created on May 15, 2026Risk profile
5/7
Diversification profile
2/5
Positions
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VO Vanguard S&P 500 ETF
VOO - US9229083632 100.00%
This portfolio is as simple as it gets: 100% in a single Vanguard S&P 500 ETF. That means every dollar is in one fund holding 500 large US companies, with no bonds, cash, or other asset types included. Structurally, this creates a very “all‑in” equity profile with no internal ballast to soften stock market swings. The upside is clarity and ease of management: there’s only one moving part, and it follows a widely used, rules-based index. The trade-off is that any risk or concentration in that index directly becomes portfolio risk, because there is no second or third holding to offset it.
Growth
Historically, $1,000 invested in this ETF in 2016 grew to about $4,292, a compound annual growth rate (CAGR) of 15.74%. CAGR is like your average speed on a road trip, smoothing out bumps along the way. This return slightly edged the US market benchmark and beat the global market by a wider margin, reflecting a strong run for US large caps. The max drawdown of about -34% during early 2020 shows that deep, fast drops are very possible. Importantly, 90% of returns came from just 38 days, underlining how a few strong days have a big impact and why missing them can meaningfully change long-term outcomes.
Projection
The forward projection uses Monte Carlo simulation, which takes past return and volatility patterns and shuffles them thousands of times to create many possible futures. It’s a bit like simulating thousands of alternate timelines based on historical behavior. Here, the median 15‑year outcome for $1,000 is about $2,783, with a very wide range from around $928 to $7,617 in the middle 90% of paths. The average simulated annual return of about 8% is lower than the past decade’s realized return, reminding that past strength does not lock in similar future results and that outcomes can vary a lot even with the same basic strategy.
Asset classes
- Stocks 100%
By asset class, this is a pure 100% stock portfolio, with no allocation to bonds, cash, or alternatives. Stocks historically have offered higher long-term growth but also larger and more frequent swings, especially over shorter periods. Because there are no lower‑volatility assets mixed in, every move in the equity market passes directly into the portfolio. This creates a clear growth-oriented profile that is fully tied to equity risk. The alignment with a broad, mainstream equity index is well-balanced within stocks themselves, but from an asset class perspective, it is intentionally undiversified: everything depends on how equities perform.
Sectors
- Technology 34%
- Financials 12%
- Telecommunications 10%
- Consumer Discretionary 10%
- Health Care 9%
- Industrials 8%
- Consumer Staples 5%
- Energy 4%
- Utilities 3%
- Real Estate 2%
- Basic Materials 2%
Sector-wise, the underlying index leans heavily into technology at about 34%, with meaningful weights in financials, telecommunications, and consumer-related areas, plus smaller allocations across the rest. This is broadly in line with today’s US large-cap market, where tech and tech-adjacent businesses have become dominant. A tech-heavy structure can benefit when innovation and digital businesses are driving markets, but it may be more sensitive during periods of rising interest rates or regulatory pressure on large platforms. The overall spread across many sectors still provides diversification within equities, and the close match to benchmark sector weights is a strong sign of a disciplined, market-like structure.
Regions
- North America 99%
Geographically, roughly 99% of this portfolio sits in North America, essentially all in the US. That mirrors the S&P 500’s construction and has worked well over the last decade as US companies have outpaced many peers. At the same time, it means almost all equity exposure is tied to one economy and one currency. While many S&P 500 firms earn revenue globally, the index’s performance still reacts strongly to US-specific economic conditions, policy changes, and market sentiment. Compared with global benchmarks, which spread more across regions, this portfolio deliberately concentrates on the US, trading geographic diversification for a focused bet on that market.
Market capitalization
- Mega-cap 46%
- Large-cap 35%
- Mid-cap 18%
- Small-cap 1%
By market capitalization, this portfolio is dominated by mega- and large-cap companies, together making up about 81%, with smaller slices in mid caps and only 1% in small caps. Large firms tend to be more established, with deeper liquidity and more analyst coverage, which often brings more stability compared with tiny companies. However, it also means less exposure to the potential higher growth (and higher risk) that smaller companies can offer. This composition is well-aligned with the S&P 500’s role as a large-cap benchmark, so the size profile is intentional: it’s built around big, established businesses rather than a broad mix across the full size spectrum.
True holdings
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NV NVIDIA Corporation 7.58%
Part of fund(s):- Vanguard S&P 500 ETF
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AA Apple Inc 6.66%
Part of fund(s):- Vanguard S&P 500 ETF
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MS Microsoft Corporation 4.92%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.64%
Part of fund(s):- Vanguard S&P 500 ETF
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GO Alphabet Inc Class A 2.99%
Part of fund(s):- Vanguard S&P 500 ETF
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AV Broadcom Inc 2.62%
Part of fund(s):- Vanguard S&P 500 ETF
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GO Alphabet Inc Class C 2.40%
Part of fund(s):- Vanguard S&P 500 ETF
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ME Meta Platforms Inc. 2.24%
Part of fund(s):- Vanguard S&P 500 ETF
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TS Tesla Inc 1.87%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
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BR Berkshire Hathaway Inc 1.57%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 36.49%
Looking through to the top underlying holdings, the largest exposures are NVIDIA, Apple, Microsoft, Amazon, Alphabet (both share classes), Broadcom, Meta, Tesla, and Berkshire Hathaway. Together, just this visible slice already makes up more than 30% of the portfolio. Because these names sit inside the same ETF, overlap is built into the index itself rather than coming from multiple funds. Hidden concentration shows up in the sheer weight of a handful of mega-cap companies at the top. It’s worth noting that overlap beyond the top ten is not captured here, so actual concentration in leading names is likely even higher than this partial view suggests.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility is broadly neutral, hovering around the 50% “market-like” level for each. Factors are characteristics like “cheap vs. expensive” or “steady vs. jumpy” that research links to long-term returns. A neutral profile means this portfolio mainly reflects the broad market’s mix rather than leaning heavily into any single style. That can be helpful for avoiding surprises tied to specific factor cycles, such as value booms or momentum crashes. Instead, performance will mostly be driven by overall equity market direction and the fortunes of the large companies that dominate the index, rather than by any deliberate style tilt.
Risk contribution
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Vanguard S&P 500 ETF
Weight: 100.00% 100.0%
Risk contribution shows that the single Vanguard S&P 500 ETF, at 100% weight, naturally contributes 100% of the portfolio’s volatility. Risk contribution measures how much each holding drives the overall ups and downs, which can diverge from simple weight when multiple positions have different volatilities and correlations. Here, with just one ETF, weight and risk line up one‑for‑one. The interesting nuance lies inside the ETF: some underlying companies contribute far more to its risk than their weight suggests, but that detail is all packaged into one line item. From the portfolio’s perspective, there is no internal offsetting between different funds—everything rolls up into this single source of risk.
Dividends
- Vanguard S&P 500 ETF 1.00%
- Weighted yield (per year) 1.00%
The portfolio’s dividend yield is about 1.0%, reflecting the S&P 500’s current payout level. Dividend yield measures the cash income paid annually as a percentage of price, and it has historically made up a meaningful portion of long-term stock returns, even when it looks modest in any one year. In this case, income is relatively low compared with more yield-focused strategies, which is typical for a broad US large-cap index today. The main driver of total return here has historically been price growth rather than cash distributions. Still, reinvested dividends quietly add to compounding over time, even if they are not the star of the show.
Ongoing product costs
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.03%
Costs are impressively low at a total expense ratio (TER) of 0.03% for the Vanguard S&P 500 ETF. TER is the annual fee charged by the fund as a percentage of assets, quietly deducted in the background. In practice, a 0.03% fee means that only a very small slice of returns goes to costs each year. Over long horizons, even tiny differences in fees can compound into noticeable dollar amounts, so starting from such a low level is a strong structural advantage. This cost profile is well-aligned with best practices for broad index investing and supports better long-term net returns compared with higher-fee approaches tracking similar markets.
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