High growth US stock portfolio with heavy technology tilt and focused large company exposure
Report created on Aug 25, 2026Risk profile
5/7
Diversification profile
2/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 60.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 30.00% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 10.00%
This portfolio is a simple three-ETF mix that is 100% in stocks, all focused on US large companies. Around two-thirds sits in a broad US market fund tracking major companies, a further chunk leans into faster-growing large firms, and a smaller slice targets the semiconductor industry specifically. This structure keeps things easy to understand and manage, with no bonds, cash, or international funds in the mix. A concentrated setup like this can amplify both gains and losses, because every dollar is tied to stock markets and mostly to one country. It offers clear exposure to economic growth, but it also means the portfolio’s value will move closely with US equity market cycles.
Growth
From 2016 to mid-2026, a hypothetical $1,000 invested here grew to about $5,989, implying a compound annual growth rate (CAGR) of roughly 19.7%. CAGR is like the steady “average speed” of growth per year over the full journey. Over the same period, the broad US market returned about 15.3% per year and the global market about 12.7%, so this portfolio outpaced both. The worst peak-to-trough drop was around -33% during early 2020, similar to the benchmarks, and it recovered in about four months. That combination of strong long-term growth and sharp but manageable drawdown highlights a classic growth-style ride: rewarding, but far from smooth.
Projection
The Monte Carlo projection uses many simulated paths, based on historical behaviour and volatility, to estimate a range of possible 15-year outcomes. Think of it as running the market a thousand different ways to see what could plausibly happen, not what will happen. The median path grows $1,000 to about $2,704, with most scenarios landing between roughly $1,795 and $4,182. The very wide full range, from around $1,007 to $8,067, shows how uncertain long-term equity returns can be. The average simulated annual return of about 8.2% is lower than the historical 19.7%, reminding that past outperformance doesn’t automatically repeat.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with no allocation to bonds, cash, or alternatives. Asset classes are broad “buckets” like equities, fixed income, and real assets, which often behave differently in various market conditions. A 100% stock allocation maximizes exposure to company growth and earnings, but it also maximizes exposure to equity market drops, as there’s no built-in buffer from traditionally steadier asset classes. Compared to more mixed stock–bond portfolios, this structure typically produces bigger swings in value over time. The benefit is pure participation in equity upside; the trade-off is accepting that downturns hit the whole portfolio at once.
Sectors
- Technology 46%
- Telecommunications 10%
- Financials 10%
- Consumer Discretionary 9%
- Health Care 8%
- Industrials 7%
- Consumer Staples 3%
- Energy 2%
- Utilities 1%
- Basic Materials 1%
- Real Estate 1%
Sector-wise, the portfolio is strongly tilted toward technology, which makes up about 46%, with additional exposure spread across areas like telecommunications, financials, consumer-related industries, health care, and smaller slices elsewhere. A typical broad equity benchmark tends to be more evenly spread, so this is a notable tech overweight, reinforced by the dedicated semiconductor ETF. Tech-heavy portfolios can do very well when innovation and growth are rewarded, but they can be more sensitive when rates rise, regulations tighten, or cyclical slowdowns hit. The good news is that there is still some presence in non-tech sectors, adding a bit of cushion when tech sentiment cools.
Regions
- North America 98%
- Asia Developed 1%
- Europe Developed 1%
Geographically, this mix is overwhelmingly focused on North America, at about 98%, with only tiny representation from developed Europe and Asia. Geography matters because different regions face different economic cycles, currencies, political climates, and sector makeups. Relative to global market weights, which spread more across many countries, this portfolio is heavily anchored to one economy and one currency. That alignment has been beneficial in the last decade as US markets led, but it also means that events specifically affecting the US—such as policy changes or domestic recessions—tend to drive nearly all of the portfolio’s outcomes, both positive and negative.
Market capitalization
- Mega-cap 49%
- Large-cap 33%
- Mid-cap 16%
- Small-cap 1%
By market capitalization, the portfolio leans toward the very largest companies: about half in mega-caps, another third in large-caps, and a modest slice in mid-caps, with very little in small-caps. Market cap exposure matters because large firms often bring stability and global reach, while smaller ones can be more volatile but sometimes faster-growing. This mix stays close to the structure of broad US indices, which have become dominated by a handful of giant firms. The emphasis on mega-caps can help anchor the portfolio around established businesses, but it also means that the fortunes of a relatively small group of big names heavily influence overall returns.
True holdings
-
NV NVIDIA Corporation 9.87%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- VanEck Semiconductor ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc. 6.70%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 4.75%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.70%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 3.31%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- VanEck Semiconductor ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 3.17%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.53%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.88%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 1.77%
Part of fund(s):- VanEck Semiconductor ETF
- Vanguard S&P 500 ETF
-
AM Advanced Micro Devices Inc 1.25%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- VanEck Semiconductor ETF
- Top 10 total 38.94%
Looking through the ETFs to their top holdings, a big chunk of the portfolio’s risk is tied to a short list of familiar names. NVIDIA, Apple, Microsoft, Amazon, Broadcom, Alphabet, Meta, Micron, and AMD together account for a sizable combined share of the portfolio via overlapping ETF positions. Because the same companies appear across multiple funds, their influence is larger than any single fund weight suggests. Overlap may be understated since only top-ten holdings are included, so real concentration could be even higher. This structure has clearly benefited from the strong run in big tech and semiconductor leaders, but it also clusters risk in those same companies.
Factors
Factor exposure looks generally balanced, with most measures sitting in the neutral band, meaning they’re close to broad market averages. Factor investing focuses on characteristics like value, size, momentum, quality, yield, and low volatility, which research links to long-term return patterns. The one notable tilt here is a mild lean away from value, at 39%, consistent with a growth-focused lineup. A lower value exposure often lines up with higher valuations and stronger recent growth expectations. That can work well when growth companies deliver on earnings, but it may lag if markets rotate toward cheaper, more traditional businesses that screen strongly on value metrics.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 60.00% 53.5% -
Schwab U.S. Large-Cap Growth ETF
Weight: 30.00% 31.9% -
VanEck Semiconductor ETF
Weight: 10.00% 14.6%
Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ from simple weights. The broad S&P 500 ETF is 60% of the portfolio and contributes about 53% of overall risk, slightly less than its size. The large-cap growth ETF is roughly aligned, contributing about 32% risk for a 30% weight. The semiconductor ETF stands out: at only 10% weight, it drives nearly 15% of portfolio risk, reflecting its higher volatility. Altogether, the three funds explain essentially all portfolio risk, with the specialized semiconductor slice acting like a small but loud “amplifier” in the mix.
Redundant positions
-
High correlationSchwab U.S. Large-Cap Growth ETFVanguard S&P 500 ETF
The two core holdings—the S&P 500 ETF and the US large-cap growth ETF—are highly correlated, meaning they tend to move almost identically day-to-day. Correlation measures how closely assets move together, from -1 (opposite) to +1 (in lockstep). When two pieces of a portfolio are strongly positively correlated, they don’t provide much diversification against each other in a downturn. Here, the growth ETF largely magnifies the same underlying drivers as the broad US market fund. This doesn’t make the combination bad, but it does mean that when US large-cap stocks fall, both of these positions are likely to drop at the same time and in similar fashion.
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 risk–return chart shows the current portfolio sitting on or very close to the efficient frontier, which represents the best achievable return for each risk level using these three holdings. The Sharpe ratio, a measure of risk-adjusted return comparing excess return to volatility, is 0.75 for the current mix. The minimum-variance combination of the same ETFs has a slightly higher Sharpe (0.83) at lower risk, and an aggressive “optimal” mix has a Sharpe of 1.02 but with much higher volatility. Being near the frontier signals that, for these specific funds, the existing allocation is already using them in a broadly efficient way.
Dividends
- Schwab U.S. Large-Cap Growth ETF 0.40%
- VanEck Semiconductor ETF 0.20%
- Vanguard S&P 500 ETF 1.00%
- Weighted yield (per year) 0.74%
The portfolio’s overall dividend yield sits around 0.74%, with the broad market ETF contributing the bulk at about 1.0%, and the growth and semiconductor ETFs yielding less. Dividends are cash payments from companies, and while they can be a meaningful part of total return for some strategies, growth-focused portfolios tend to rely more on price appreciation. Here, income from dividends is modest compared to the potential impact of changes in share prices. Historically, the strong performance of the portfolio has been driven mainly by capital gains rather than yield, which is consistent with its emphasis on growth-oriented and technology-heavy holdings.
Ongoing product costs
- Schwab U.S. Large-Cap Growth ETF 0.04%
- VanEck Semiconductor ETF 0.35%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.06%
Annual costs are very low, with a blended total expense ratio (TER) of about 0.06%. TER is the ongoing fee charged by funds to cover management and operating costs, taken directly from fund assets rather than billed separately. The two core ETFs are especially cheap at 0.03–0.04%, while the specialized semiconductor fund is higher at 0.35%, which is normal for niche strategies. Low costs help more of the portfolio’s returns stay in the investor’s hands, and over long periods that difference compounds meaningfully. From a fee perspective, this is an efficient setup that supports better long-term performance potential.
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