Growth focused stock portfolio with strong US tilt and efficient risk adjusted structure
Report created on Apr 9, 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% -
QQ Invesco QQQ Trust
QQQ - US46090E1038 40.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10.00%
The portfolio is simple and very growth oriented: 50% in a broad US large‑cap ETF, 40% in a tech‑heavy growth ETF, and 10% in a broad international ETF. Everything is in stocks, with no bonds or cash buffers. A concentrated lineup like this is easy to understand and manage, and the big weights in broad index funds give you instant diversification across many companies. The flip side is that with only three holdings, big swings in one fund can noticeably move the whole portfolio. For someone comfortable with equity volatility, this structure is clean and purposeful; for anyone needing income stability, it’s on the aggressive side.
Growth
From 2016 to early 2026, $1,000 grew to about $4,457, which is a compound annual growth rate (CAGR) of 16.19%. CAGR is like your average speed on a long road trip, smoothing out all the bumps. This comfortably beat both the US market (14.29%) and global market (11.82%), showing that the growth tilt has been rewarded. The max drawdown of -31.11% during early 2020 was sharp but slightly milder than the benchmarks’ worst drops. That mix of higher return with similar downside is a very positive sign historically, though it’s crucial to remember past returns don’t guarantee anything about the next decade.
Projection
The Monte Carlo projection uses many randomized paths based on historical volatility and returns to model how $1,000 might grow over 15 years. Think of it as running 1,000 alternate futures using past behavior as a guide. The median outcome of about $2,851 suggests a solid expected real‑world growth path, with a 74% chance of ending positive. But the possible range is wide: roughly $985 to $7,862 across most scenarios. This spread shows how uncertain markets can be, especially with all‑stock, growth‑leaning portfolios. It’s a useful planning tool, but not a promise, since future markets can differ a lot from the past.
Asset classes
- Stocks 100%
All assets here are in stocks, with 0% in bonds, cash, or alternatives. Equities historically offer higher long‑term growth but also larger and more frequent drawdowns, especially over short periods. Many broad benchmarks include some bonds or cash in balanced allocations, but this setup aligns more with a pure growth or accumulation approach. The lack of defensive assets means the portfolio will likely fall more in deep bear markets yet also participate fully in strong bull runs. This is well‑suited to someone who prioritizes long‑term growth and can ride out volatility rather than needing steady income or capital preservation.
Sectors
- Technology 39%
- Telecommunications 12%
- Consumer Discretionary 11%
- Financials 8%
- Health Care 8%
- Industrials 7%
- Consumer Staples 7%
- Energy 2%
- Basic Materials 2%
- Utilities 2%
- Real Estate 1%
Sector exposure is clearly tilted toward growth areas: technology is the largest slice at 39%, with meaningful allocations to telecommunications and consumer discretionary. That’s a more tech‑heavy profile than many broad market benchmarks, which usually have lower tech weights and more balance across defensive sectors. Tech‑ and growth‑oriented sectors often benefit when innovation is rewarded and interest rates are stable or falling, but they can be hit harder when rates rise or markets rotate into value and cyclicals. The concentration has worked historically, but it does mean more sensitivity to sentiment around innovation, regulation, and the tech cycle.
Regions
- North America 90%
- Europe Developed 4%
- Asia Emerging 2%
- Japan 2%
- Asia Developed 1%
Geographically, about 90% of exposure is in North America, with only small slices across Europe, Japan, and other developed and emerging Asian markets. Compared to global benchmarks, which usually have a much larger non‑US share, this is a strong US tilt. That’s been a tailwind over the past decade as US equities and big tech names outperformed most other regions. The flip side is that economic, policy, or currency shocks specific to the US will have an outsized impact. A heavy home bias can feel comfortable, but it also means missing part of the diversification benefits global markets can provide.
Market capitalization
- Mega-cap 48%
- Large-cap 35%
- Mid-cap 15%
- Small-cap 1%
The portfolio leans heavily toward mega‑cap and large‑cap companies, which together make up over 80% of exposure, with only modest mid‑cap and minimal small‑cap representation. Large and mega caps tend to be more established, profitable businesses and often have better liquidity and transparency, which can reduce some company‑specific risk. However, this can limit exposure to the potentially higher, but bumpier, growth paths of smaller firms. Relative to a fully market‑cap‑weighted world index, this large‑cap skew is pretty typical, though the combination with a growth ETF pushes the portfolio toward the biggest, most dominant market leaders.
True holdings
-
NV NVIDIA Corporation 7.13%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
AA Apple Inc 6.37%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 4.70%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.57%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.94%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 2.56%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.53%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.48%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
TS Tesla Inc 2.37%
Part of fund(s):- Invesco QQQ Trust
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
WM Walmart Inc. Common Stock 1.37%
Part of fund(s):- Invesco QQQ Trust
- Top 10 total 36.04%
Looking through the ETF top holdings, there is clear concentration in a handful of mega‑cap growth names. NVIDIA, Apple, Microsoft, Amazon, Alphabet (both share classes), Meta, Broadcom, and Tesla together make up a sizable slice of effective exposure, reinforced by overlapping positions between the S&P 500 and the tech‑heavy ETF. This kind of overlap creates “hidden concentration,” where several funds rise and fall with the same set of companies. That’s been fantastic while these names outperformed, but it also means portfolio behavior is tightly linked to how a small group of leaders does, especially in periods of tech or mega‑cap weakness.
Factors
Factor exposures are mostly neutral, meaning the portfolio behaves broadly like the overall market on traits such as size, momentum, quality, yield, and low volatility. The most notable tilt is a mild shift away from value (39%), consistent with its growth orientation. Factors are like investing “ingredients” — value, momentum, quality, etc. — that research has linked to returns over decades. A mild anti‑value tilt suggests the holdings favor companies with higher growth expectations and richer valuations instead of more beaten‑down or cheaper stocks. This has been rewarded recently, but it can lag if markets rotate back toward bargain‑priced or cyclical companies.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 46.6% -
Invesco QQQ Trust
Weight: 40.00% 45.8% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 10.00% 7.7%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its simple weight. Here, the S&P 500 ETF is 50% of the portfolio and contributes about 46.6% of risk, very much in line with its size. QQQ is 40% by weight but contributes roughly 45.75% of risk, meaning it’s a bit more volatile than its share suggests. The international fund adds diversification, contributing less risk than its 10% weight. Overall, risk is shared mainly between the two US funds; tweaking their relative sizes would meaningfully change how bumpy the ride feels without changing the holdings themselves.
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 current portfolio sits on or very close to the efficient frontier, which represents the best possible return for each level of risk using the existing holdings. The Sharpe ratio — a measure of risk‑adjusted return relative to a risk‑free rate — is 0.66 for the current mix, while the optimal mix of these same funds reaches 0.86 with slightly higher risk. The minimum variance version is a bit safer but only marginally improves Sharpe. That tells us the existing allocation is already quite efficient: it’s making very good use of the chosen building blocks without obvious dead weight.
Dividends
- Invesco QQQ Trust 0.50%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.03%
The overall dividend yield is around 1.03%, driven by a mix of lower‑yielding growth stocks in QQQ and somewhat higher yields in the S&P 500 and international fund. Dividends are the cash payments companies distribute from profits, and over long periods they can be an important part of total return, especially for income‑focused investors. Here, the relatively low yield fits with a growth‑first mindset, where the emphasis is on companies reinvesting earnings to grow rather than paying them out. For someone not relying on portfolio income today, this can be perfectly fine; the trade‑off is less cash flow in exchange for higher growth potential.
Ongoing product costs
- Invesco QQQ Trust 0.20%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.10%
The weighted total expense ratio (TER) is about 0.10%, which is impressively low. TER is the annual fee charged by funds, expressed as a percentage of your investment, and it quietly compounds over time. Low costs mean that more of each year’s return stays in your pocket instead of going to fund managers. This cost level is significantly better than many actively managed or niche funds and aligns strongly with best practices for long‑term investing. Over decades, that fee gap can translate into thousands of extra dollars of portfolio value without taking on any additional risk or complexity.
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