Growth focused stock portfolio with strong US tilt and efficient risk adjusted positioning

Report created on Apr 10, 2026

Risk 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

This portfolio is a simple four‑ETF mix that is 100% in stocks, with a strong tilt to the US. About three fifths sits in a broad US index, one fifth in a large‑cap growth index, a mid‑teens slice in international stocks, and a small satellite in technology. That structure makes it easy to understand and manage. Being fully in stocks means bigger swings in value, but also higher long‑term growth potential than including bonds or cash. A broad “core” holding plus a couple of focused “satellites” is a common setup for people who want growth with some deliberate tilts. The key trade‑off here is accepting volatility in exchange for simplicity and long‑run return potential.

Growth Info

Historically, $1,000 invested in this mix in late 2020 would have grown to about $2,072, which translates to a 14.25% compound annual growth rate (CAGR). CAGR is like your average speed on a road trip, smoothing out bumps along the way. Compared with the US market benchmark, returns were slightly lower but still strong, and they clearly beat the global market over this period. The portfolio saw a maximum drawdown of about -27%, meaning the largest peak‑to‑trough drop, which is typical for an all‑equity mix. Performance relied heavily on a small number of strong days, underscoring how hard market timing is. As always, these results are backward‑looking and can’t guarantee future returns.

Projection Info

The Monte Carlo projection uses thousands of simulated futures, based on historical patterns, to show a range of possible outcomes. Think of it as rerunning the last few decades of market behavior in many different shuffled orders. For a $1,000 starting investment over 15 years, the median outcome around $2,830 suggests solid growth, with a wide but realistic range from roughly $916 to $7,695 in most scenarios. The average projected annual return of about 8.2% is lower than the recent historical number, which is a sensible, more conservative assumption. Still, roughly three‑quarters of simulations end positive, which is encouraging. These are just models, though; real markets can be better or worse than any simulation.

Asset classes Info

  • Stocks
    100%

All of the money is in equities, with zero allocation to bonds, cash, or alternative assets. That’s a clear growth‑oriented posture, which typically suits longer horizons and higher risk tolerance. Compared with more traditional “balanced” mixes that hold a sizeable bond component, this setup will likely rise more in strong markets but also fall more during downturns. On the positive side, being fully in stocks simplifies the structure and aligns with the idea of capturing global equity growth over time. The main trade‑off is having no built‑in buffer from fixed income, so any need for stability or near‑term withdrawals would usually call for adding some lower‑risk assets outside this slice.

Sectors Info

  • Technology
    37%
  • Financials
    11%
  • Telecommunications
    10%
  • Consumer Discretionary
    10%
  • Industrials
    8%
  • Health Care
    8%
  • Consumer Staples
    6%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is meaningfully tilted toward technology at around 37%, with the rest spread across financials, telecommunications, consumer areas, industrials, health care, and smaller slices elsewhere. This tech‑heavy stance reflects the underlying indices and the dedicated technology ETF. In practice, that means higher sensitivity to innovation cycles and interest‑rate moves, since growth sectors often react more strongly to changes in borrowing costs and sentiment. On the upside, this can boost long‑run returns if tech continues to lead. On the downside, pullbacks in this sector could create bigger drawdowns than a more evenly spread sector mix. The diversified exposure to other sectors helps, but technology is clearly the main driver here.

Regions Info

  • North America
    85%
  • Europe Developed
    6%
  • Japan
    2%
  • Asia Developed
    2%
  • Asia Emerging
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, the portfolio is dominated by North American exposure at about 85%, with modest allocations scattered across developed Europe, Japan, other developed Asia, emerging Asia, and smaller regions. This aligns fairly closely with many global benchmarks, which are also heavily US‑weighted due to market size, so the tilt is not extreme. The benefit is riding along with one of the world’s most dynamic and transparent markets, which has been a strong driver of returns. The trade‑off is that economic, political, or currency shocks that hit North America specifically will have an outsized impact. The international slice still provides some diversification, but global events will feel very “US‑centric” in this setup.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    34%
  • Mid-cap
    16%
  • Small-cap
    1%

By market capitalization, there is a clear lean toward mega‑cap and large‑cap companies, which together make up more than 80% of exposure. Only a thin slice is in mid‑caps and an almost negligible amount in small‑caps. Larger companies tend to be more stable and often less volatile than smaller firms, which can reduce some risk compared with a more aggressively small‑cap‑tilted portfolio. The flip side is that it may miss some of the higher growth potential — and higher risk — that small‑caps can offer over long stretches. This structure closely mirrors mainstream indices, which is generally a positive from a diversification and risk‑management standpoint, especially for a broad, long‑term core portfolio.

True holdings Info

  • NVIDIA Corporation
    7.03%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Apple Inc
    6.30%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    4.61%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    3.00%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    2.55%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    2.36%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    2.13%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Meta Platforms Inc.
    2.12%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Tesla Inc
    1.86%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
  • Berkshire Hathaway Inc
    0.94%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Top 10 total 32.88%

Looking through the ETFs, the biggest underlying exposures cluster around a handful of mega‑cap growth names like NVIDIA, Apple, Microsoft, and Amazon. Because the same companies appear in multiple funds, their total presence is larger than it first looks, creating hidden concentration. For example, NVIDIA at over 7% and Apple above 6% are meaningful single‑company weights in what seems like a broad ETF portfolio. This overlap isn’t inherently bad, but it does mean the portfolio’s day‑to‑day moves will be heavily influenced by a few giants. Since only top‑10 ETF holdings are captured, real overlap is likely a bit higher than shown, so total concentration may be slightly understated.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 100%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Neutral
Data availability: 100%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure across value, size, momentum, quality, yield, and low volatility sits in a neutral, market‑like range. Factors are basically the “personality traits” of investments — characteristics like cheapness (value), recent winners (momentum), or stability (low volatility) that research has tied to returns. Here, no single trait stands out as a strong tilt, which means behavior should roughly track broad markets rather than lurching around based on a specific style bet. That’s a healthy sign for someone who wants straightforward market exposure without trying to time things like value vs. growth or high yield vs. low yield. It also means performance will be largely driven by overall equity markets, not exotic factor strategies.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 60.00%
    57.0%
  • Invesco NASDAQ 100 ETF
    Weight: 20.00%
    24.7%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 15.00%
    11.5%
  • Vanguard Information Technology Index Fund ETF Shares
    Weight: 5.00%
    6.8%

Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weights. The core US ETF at 60% weight contributes about 57% of risk, so it’s roughly proportionate. The NASDAQ 100 slice at 20% weight, however, contributes almost 25% of risk, and the tech ETF at 5% contributes nearly 7%, both punching above their weight. That’s typical for growth and tech‑heavy funds, which tend to be more volatile. In contrast, the international fund contributes less risk than its weight. Overall, the top three holdings account for over 93% of total risk, so any fine‑tuning in position sizes would mainly matter in those core pieces.

Redundant positions Info

  • Vanguard Information Technology Index Fund ETF Shares
    Invesco NASDAQ 100 ETF
    High correlation

The correlation data highlights that the NASDAQ 100 ETF and the dedicated technology ETF move almost identically. Correlation measures how similarly two assets move; a value near 1 means they typically go up and down together. In practice, this pairing doesn’t add much diversification — it mainly increases exposure to the same underlying tech‑heavy theme. That’s not necessarily a problem if the goal is to amplify that area, but it’s worth knowing that these positions will likely rise and fall in tandem during market swings. In a concentrated four‑holding portfolio like this, understanding which pieces truly offset each other vs. which ones double up is important for managing risk.

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 mix sits right on or very close to the efficient frontier, which is the curve showing the best possible return for each risk level using the existing holdings. The Sharpe ratio — a measure of return per unit of risk — is solid, and only slightly below the theoretical optimum that could be achieved by fine‑tuning weights among these same four ETFs. That means the allocation is already quite efficient; there is no obvious structural drag. Any improvement from reweighting would likely be incremental rather than transformational. It’s a reassuring sign that the basic design is sound and not leaving much on the table for the level of risk taken.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.18%

The overall dividend yield is around 1.18%, with the international fund offering the highest yield and the tech‑focused funds offering the lowest. Dividend yield is the annual cash payout as a percentage of the current price, and it can be an important component of total return, especially for income‑oriented investors. Here, the focus is clearly on growth rather than income, which fits with the strong tech and large‑cap growth exposure. That means most of the expected return will likely come from price appreciation, not cash payments. For someone still in the accumulation phase, a lower yield can be fine, as long as they are comfortable with relying mostly on capital gains over time.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.06%

Costs are impressively low, with a blended total expense ratio (TER) of about 0.06%. TER is the annual fee the fund charges, expressed as a percentage of your investment, and lower fees mean more of the market’s return stays in your pocket. These ETFs are all at the cheaper end of the spectrum for their categories, which is a big structural advantage. Over long periods, even small fee differences compound significantly, so starting from such a low base is a real strength. This aligns very well with best practices for passive investing and supports better long‑term performance compared to higher‑cost alternatives tracking similar indices.

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