Concentrated US stock portfolio with strong recent growth and mostly market like factor exposure
Report created on May 12, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 83.96% -
FI Fidelity Advisor Sustainable Core Plus Bond Fund Class A
FIAIX - US31635T5671 6.29% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 2.82% -
NV NVIDIA Corporation
NVDA - US67066G1040 2.25% -
DD Datadog Inc
DDOG - US23804L1035 1.75% -
MR Moderna Inc
MRNA - US60770K1079 0.80% -
AM Amazon.com Inc
AMZN - US0231351067 0.78% -
PO Porsche Automobile Holding SE
POAHY - US73328P1066 0.55% -
OV Ovintiv Inc
OVV - US69047Q1022 0.43% -
AP APA Corporation
APA - US03743Q1085 0.33% -
PR Prairie Operating Co. Common Stock
PROP - US7396501097 0.04%
This portfolio is strongly dominated by one broad US equity ETF, which makes up around 84% of the total. The rest is a mix of a core bond fund, a small international equity ETF, and a handful of individual stocks. That structure means most of the behaviour comes from the US stock market, with the other pieces adding only modest tweaks. A concentrated core like this is simple to understand, since one holding is clearly in charge. It also means that changes in that main ETF will largely define the ride, while the smaller positions mostly fine‑tune performance rather than change the big picture.
Growth
Over the period shown, a $1,000 investment in this portfolio grew to about $1,912, implying a compound annual growth rate (CAGR) of 17.46%. CAGR is like the average yearly “speed” of growth over the full journey. This beat both the US market and global market references by more than 2 percentage points a year, which is a notable edge. The maximum drawdown, or worst peak‑to‑trough drop, was about -19%, very similar to the benchmarks. That combination—higher return with comparable worst‑case decline—shows that the portfolio captured strong upside in this specific window, though, as always, past performance doesn’t guarantee similar future results.
Projection
The Monte Carlo simulation looks at many possible 15‑year futures by remixing patterns from historical returns. Think of it as running 1,000 different “what if” market paths to see a range of outcomes, not a single prediction. The median path ends around $2,684 from $1,000, with a wide middle band between roughly $1,786 and $4,131. That spread shows how uncertain long‑term markets can be, even when the average annual return across simulations is 7.87%. The chance of finishing positive in this model is about 74%, but there are also paths that barely grow or lose value, highlighting that projections are estimates, not promises.
Asset classes
- Stocks 94%
- Bonds 6%
About 94% of this portfolio is in stocks and roughly 6% is in bonds. Stocks represent ownership in companies and tend to drive growth but can be bumpy; bonds are loans to governments or companies and usually move less, acting as a stabilizer. This mix leans clearly toward growth, with only a small slice dedicated to cushioning volatility. Compared with many broad market blends, the bond share here is on the low side, so the portfolio’s ups and downs will track equities closely. The modest bond allocation still provides a minor dampening effect, but it won’t dominate the overall behaviour.
Sectors
- Technology 33%
- Financials 11%
- Consumer Discretionary 10%
- Health Care 9%
- Telecommunications 9%
- Industrials 8%
- Consumer Staples 5%
- Energy 4%
- Utilities 2%
- Basic Materials 2%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is led by technology at about one‑third of the equity allocation, followed by financials, consumer, health care, and telecom, with smaller slices in industrials, energy, and others. This pattern broadly resembles common US and global benchmarks, which is a positive sign for diversification. A technology tilt means results can be more sensitive when growth and interest‑rate expectations shift, since tech earnings are often valued far into the future. At the same time, exposure to defensives like consumer staples, health care, and utilities adds some balance, helping the portfolio avoid being entirely driven by a single part of the economy.
Regions
- North America 91%
- Europe Developed 7%
This breakdown covers the equity portion of your portfolio only.
Geographically, the portfolio is heavily centred on North America, at about 91%, with roughly 7% in developed Europe and very little elsewhere. This is more US‑focused than global market indices, where non‑US markets make up a much larger share. A home‑region tilt like this is common and makes performance more dependent on one economy, currency, and policy environment. The advantage is clarity—you mainly follow one market’s news. The trade‑off is that if other regions outperform for a stretch, that won’t be fully reflected here, because the allocation to them is relatively small compared with their global market weight.
Market capitalization
- Mega-cap 43%
- Large-cap 34%
- Mid-cap 16%
- Small-cap 1%
This breakdown covers the equity portion of your portfolio only.
By company size, the portfolio is anchored in mega‑caps and large‑caps, which together account for over three‑quarters of the exposure. Mid‑caps add meaningful diversity, while small‑caps are only a tiny slice. Larger companies tend to be more established, with deeper revenues and better access to capital, which often results in somewhat steadier price moves than very small firms. This large‑company tilt aligns closely with mainstream indices and supports the portfolio’s balanced risk score. The limited small‑cap presence means less exposure to the potentially higher growth—and higher volatility—that very small firms can bring, keeping the size profile firmly in mainstream territory.
True holdings
-
Part of fund(s):
- Vanguard S&P 500 ETF
-
AA Apple Inc 5.59%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 4.13%
Part of fund(s):- Vanguard S&P 500 ETF
-
Part of fund(s):
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.51%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.20%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.02%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.88%
Part of fund(s):- Vanguard S&P 500 ETF
-
-
TS Tesla Inc 1.57%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Top 10 total 34.10%
This breakdown covers the equity portion of your portfolio only.
Looking through the funds, NVIDIA stands out at about 8.6% of the total portfolio once you combine the direct holding and its presence inside ETFs. Amazon also shows up twice, reaching nearly 3.8% overall, and several other large tech names appear via the core ETFs. Overlap like this creates hidden concentration: even though there are many line items, a few companies drive a big slice of the risk and return. Because this analysis only uses ETF top‑10 holdings, actual overlap is likely higher, especially in broad funds that hold hundreds of stocks beyond their largest positions.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
Factor exposures—value, size, momentum, quality, low volatility, and yield—are all in the neutral band, close to the 50% “market average” level. Factors are like underlying personality traits of stocks that research links to long‑term returns and risk patterns. A neutral profile means the portfolio behaves similarly to a broad market index rather than leaning heavily into any one style, such as deep value, high dividend, or aggressive momentum. This balance supports the idea that the main driver here is general equity market movements, not a specialized factor bet, which lines up with the dominant broad US index exposure.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 83.96% 85.2% -
NVIDIA Corporation
Weight: 2.25% 5.0% -
Datadog Inc
Weight: 1.75% 3.3% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 2.82% 2.2% -
Amazon.com Inc
Weight: 0.78% 1.2% - Top 5 risk contribution 96.9%
Risk contribution shows how much each holding adds to the portfolio’s overall ups and downs, which can be very different from its weight. The S&P 500 ETF is about 84% of the portfolio and contributes about 85% of the risk, so its influence is almost one‑for‑one. NVIDIA and Datadog together are only about 4% by weight but add more than 8% of total risk, reflecting their higher volatility; NVIDIA alone contributes more than double its weight in risk terms. The top three holdings account for over 93% of total risk, so the remaining positions play only a minor role in driving day‑to‑day fluctuations.
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 below the efficient frontier, with a Sharpe ratio of 0.72. The Sharpe ratio measures risk‑adjusted returns—how much extra return you’re getting for each unit of volatility above a cash‑like asset. Being about eight percentage points below the frontier at this risk level means that, using just the existing holdings, a different weighting mix could have historically delivered a better return for the same volatility. The minimum‑variance mix on the chart shows the lowest achievable risk with these holdings, while the “optimal” point shows the highest Sharpe, though at a much higher volatility than the current portfolio.
Dividends
- APA Corporation 2.00%
- Fidelity Advisor Sustainable Core Plus Bond Fund Class A 0.30%
- Ovintiv Inc 2.00%
- Porsche Automobile Holding SE 5.80%
- Vanguard S&P 500 ETF 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 0.98%
The overall dividend yield is just under 1%, which is modest and well below many income‑focused portfolios. Dividend yield is the yearly cash payout from holdings divided by their price, like a “cashback” rate. Here, payouts mainly come from the big index ETFs and a few specific stocks, such as the higher‑yielding Porsche position, while growth‑oriented names like NVIDIA and Datadog contribute more through potential price changes than income. This structure points to a total‑return approach, where most of the expected gain is from capital appreciation rather than steady cash distributions, which can make the income stream more variable over time.
Ongoing product costs
- Fidelity Advisor Sustainable Core Plus Bond Fund Class A 0.67%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.07%
The weighted ongoing cost, or TER, is about 0.07%, which is impressively low. TER (Total Expense Ratio) is the annual fee charged by funds, expressed as a percentage of assets, and it quietly reduces returns each year. Most of the portfolio sits in very low‑cost index ETFs, which keeps overall costs down, even though the bond fund itself has a higher fee at 0.67%. Low costs are a strong foundation because they’re one of the few things investors can control and they compound over time. This fee level is competitive with many of the cheapest broad‑market options available.
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