Strong equity growth portfolio with a clear US tilt and a focused technology exposure
Report created on Apr 27, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 50.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
EW iShares MSCI South Korea ETF
EWY - US4642867729 15.00% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 15.00%
This portfolio is a concentrated equity-only mix built from four broad ETFs. About half is in a large US index fund, giving strong exposure to big US companies, while a fifth goes to broad international stocks outside the US. The remaining 30% is split between South Korea and a dedicated semiconductor fund, which adds more focused regional and industry exposure. Because everything here is in stocks, there is no built‑in cushion from bonds or cash. That structure makes the portfolio straightforward to understand and track, but it also means returns will closely follow global equity markets, with sharper ups and downs than a more mixed asset blend.
Growth
From 2016 to early 2026, a hypothetical $1,000 in this portfolio grew to about $6,064, which is a compound annual growth rate (CAGR) of 19.84%. CAGR is like your average speed on a long road trip, smoothing out the bumps along the way. Over this period, the portfolio strongly outpaced both the US market (about 15.05% a year) and the global market (about 12.33% a year). The worst drop, or max drawdown, was around -33.5%, very similar to the benchmarks. This shows strong upside with comparable downside. As always, past performance only shows how this mix handled previous conditions and cannot guarantee anything about future returns.
Projection
The forward projection uses a Monte Carlo simulation, which basically replays many versions of the future using patterns from historical data plus randomness. Here, 1,000 simulations of the next 15 years suggest a median outcome of roughly $2,780 from $1,000, equivalent to about 8.27% per year. The “likely range” is wide, from around $1,837 to $4,310, and the full possible range is even wider. This illustrates that even with the same starting portfolio, outcomes can differ a lot just due to market paths. Importantly, these simulations are math exercises based on the past — they are not forecasts or promises, and real future markets can behave very differently.
Asset classes
- Stocks 100%
All of this portfolio sits in one asset class: stocks. That makes the overall risk and return profile tightly tied to how global equity markets behave. In diversified portfolios, mixing asset classes like bonds, cash, or real estate can smooth returns because they often react differently to economic news. Here, there is no such buffer, so large drawdowns are more likely during broad market sell‑offs. On the other hand, in strong equity bull markets, a 100% stock portfolio can fully participate in the upside. This all‑equity structure lines up with the “growth” classification and the 5/7 risk score, reflecting a willingness to tolerate bigger swings for potentially higher long‑term growth.
Sectors
- Technology 43%
- Financials 12%
- Industrials 10%
- Consumer Discretionary 8%
- Health Care 7%
- Telecommunications 7%
- Consumer Staples 4%
- Energy 3%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector‑wise, about 43% of the portfolio is in technology, far above typical broad global benchmarks where tech is important but not this dominant. The rest is spread across financials, industrials, consumer‑facing areas, health care, telecoms, and smaller slices in energy, materials, utilities, and real estate. A heavy tech tilt tends to boost growth potential but also usually increases sensitivity to interest rates and market sentiment, especially around innovation and earnings expectations. The good news is that outside tech, the remaining sectors are reasonably spread out, which helps avoid being entirely dependent on one part of the economy. Still, overall behavior will be strongly shaped by how tech performs.
Regions
- North America 64%
- Asia Developed 20%
- Europe Developed 8%
- Japan 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
Geographically, this portfolio leans heavily toward developed markets. About 64% is in North America, which is higher than its share of global market value, so the US and neighboring markets are the main drivers. Asia developed, including South Korea, makes up 20%, notably higher than a typical global index, largely due to the dedicated Korea ETF and tech exposure. Europe, Japan, and emerging Asia appear in smaller amounts, with only small allocations to Australasia and Africa/Middle East. This structure has historically benefited from strong US and Asian tech performance, but it also means outcomes are closely tied to those regions’ economies, currencies, and policy environments rather than being uniformly global.
Market capitalization
- Mega-cap 48%
- Large-cap 35%
- Mid-cap 14%
- Small-cap 1%
By market capitalization, the portfolio is dominated by mega‑cap and large‑cap companies, with 83% combined. That means most holdings are big, established firms that tend to have more stable businesses, deeper capital markets access, and better liquidity than smaller names. About 14% in mid‑caps and a very small slice in small‑caps add a bit of extra growth and volatility. Compared with a pure large‑cap index, this mix adds only a modest tilt toward smaller stocks, so risk and return are still largely dictated by large global leaders. This structure can help keep trading spreads low and makes the portfolio’s movements easier to compare with broad market indices.
True holdings
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NV NVIDIA Corporation 6.47%
Part of fund(s):- VanEck Semiconductor ETF
- Vanguard S&P 500 ETF
-
00 Samsung Electronics Co Ltd 3.35%
Part of fund(s):- iShares MSCI South Korea ETF
-
AA Apple Inc 3.33%
Part of fund(s):- Vanguard S&P 500 ETF
-
00 SK Hynix Inc 2.97%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- iShares MSCI South Korea ETF
-
AV Broadcom Inc 2.57%
Part of fund(s):- VanEck Semiconductor ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 2.46%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 1.82%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Taiwan Semiconductor Manufacturing 1.60%
Part of fund(s):- VanEck Semiconductor ETF
-
GO Alphabet Inc Class A 1.50%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.20%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 27.27%
Looking through to the top underlying holdings, a few familiar names stand out. NVIDIA has the largest effective exposure at about 6.47%, followed by Samsung Electronics at 3.35%, Apple at 3.33%, and SK Hynix near 3%. Big US tech names like Microsoft, Amazon, and Alphabet also appear, alongside Taiwan Semiconductor and Broadcom. Many of these repeat across multiple ETFs, especially the US and semiconductor funds, which creates “hidden” concentration in key tech and chip makers. Because the analysis only covers ETF top‑10s, actual overlap is likely somewhat higher. This cluster around a handful of large technology and semiconductor names is a key driver of both growth and volatility in the portfolio.
Factors
Factor exposure — the tilt toward characteristics like value, size, or momentum — looks generally balanced here. Most factors sit in the “neutral” band, meaning the portfolio behaves roughly like the broad market in terms of quality, price‑to‑value measures, recent momentum, yield, and volatility. The only mild standout is size, which is slightly on the low side, reflecting the focus on larger companies and fewer small caps. In practice, that means returns will be more influenced by big, established firms rather than smaller, more speculative names. A well‑balanced factor profile like this tends to avoid strong style cycles, where a heavy bet on one factor can help or hurt dramatically depending on the environment.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 44.5% -
VanEck Semiconductor ETF
Weight: 15.00% 22.3% -
iShares MSCI South Korea ETF
Weight: 15.00% 16.9% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 16.3%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which is often different from its weight. The S&P 500 ETF is 50% of the portfolio but contributes about 44% of total risk, making it the anchor. The semiconductor ETF is just 15% by weight but adds over 22% of the risk, meaning it punches well above its size due to higher volatility. The South Korea ETF also contributes slightly more risk than its weight, while the total international fund adds a bit less. Overall, the top three holdings drive almost 84% of risk, showing that position size and volatility combine to create a fairly concentrated risk profile.
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 efficient frontier chart compares risk (volatility) and expected return across different weight mixes of your existing holdings. The current portfolio has a Sharpe ratio of 0.7, which measures return per unit of risk above the risk‑free rate. The “optimal” mix of these same four ETFs could reach a higher Sharpe of 1.06 but with much more risk and return. The minimum‑variance mix would lower risk somewhat, with a slightly lower Sharpe. Importantly, the analysis notes that your current allocation already sits on or very near the efficient frontier. That means, for its risk level and these building blocks, the mix is considered efficient in terms of risk versus reward.
Dividends
- iShares MSCI South Korea ETF 1.40%
- VanEck Semiconductor ETF 0.20%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.35%
The portfolio’s overall dividend yield is about 1.35%, which is relatively modest. Yield is the annual cash income you get from dividends as a percentage of your investment value. The international broad ETF is the main income contributor at around 2.8%, while the South Korea fund pays about 1.4%. The S&P 500 ETF yields around 1.1%, and the semiconductor ETF is very low at 0.2%, reflecting a growth‑focused segment where companies often reinvest earnings instead of paying them out. In this portfolio, most of the expected return historically has come from capital gains rather than income, which fits the growth‑oriented and tech‑heavy nature of the holdings.
Ongoing product costs
- iShares MSCI South Korea ETF 0.59%
- VanEck Semiconductor ETF 0.35%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.17%
Total ongoing fund costs, or TER (Total Expense Ratio), average around 0.17% a year for this mix. TER is the annual fee charged inside the funds, similar to a small service fee deducted behind the scenes. The core Vanguard ETFs are very cheap, at 0.03% and 0.05%, which is in line with some of the most cost‑effective products available. The specialized South Korea and semiconductor funds are more expensive at 0.59% and 0.35%, which is typical for niche or thematic exposures. Overall, a blended TER of 0.17% is impressively low for a portfolio with both broad market and targeted exposures, helping more of the gross return stay in the portfolio over time.
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