Growth focused US heavy stock portfolio with modest tech tilt and small crypto kicker
Report created on May 4, 2024Risk profile
4/7
Diversification profile
2/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 70.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 22.50% -
FB Fidelity Wise Origin Bitcoin Trust
FBTC - US3159481098 2.50% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 2.50% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 2.50%
The portfolio is very concentrated in just a few broad US equity ETFs, with 70% in a total US market fund and 22.5% in a NASDAQ 100 tracker. A small 7.5% satellite sleeve is split between semiconductors, a focused tech ETF, and a 2.5% Bitcoin position. This structure leans heavily on broad US stocks for core exposure while adding a growth and tech overlay plus a small speculative element. That mix can work well for long-term growth if an investor is comfortable with equity-style swings. The main takeaway is that the engine here is US stocks; everything else is just a performance amplifier around that core.
Growth
Over the measured period, $1,000 grew to about $1,390, with a compound annual growth rate (CAGR) of 16.16%. CAGR is like the average yearly “speed” of your money over the trip. This slightly beat both the US and global equity markets, which is a solid result. Max drawdown — the worst peak-to-trough drop — was about -20.6%, a bit deeper than the benchmarks. That’s the price of the growth tilt. Ten days accounting for 90% of returns highlight how a handful of strong sessions drove results, which is typical for equity-heavy portfolios. The key point: performance has been strong, but with sharper dips than a broader global mix.
Asset classes
- Stocks 97%
- Crypto 3%
Asset-class exposure is extremely simple: about 97% in stocks and 3% in crypto, with no bonds or cash substitutes shown. Stocks are the main long-term growth engine, but they can swing hard in the short term. Crypto is even more volatile and speculative; at 2.5%, it’s a small but noticeable risk kicker. Compared with a classic “balanced” mix that might include bonds, this setup is much closer to a growth or aggressive growth profile. For someone early in their journey with a long time horizon, that might be acceptable, but it’s less aligned with investors who prioritize capital stability or near-term withdrawals.
Sectors
- Technology 38%
- Telecommunications 11%
- Consumer Discretionary 10%
- Financials 9%
- Health Care 8%
- Industrials 8%
- Consumer Staples 5%
- Energy 3%
- Utilities 2%
- Basic Materials 2%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is tilted but not extreme: technology is the largest at 38%, with meaningful allocations to telecoms, consumer discretionary, financials, health care, and industrials. This is more tech-heavy than a broad global benchmark, which usually has a lower tech share, and the dedicated semiconductor and tech ETFs add to that bias. Tech and related industries can boost returns during innovation cycles and when interest rates are stable or falling, but they often feel more pain when rates rise or growth expectations get reset. The rest of the sectors provide some ballast, yet overall behavior will still be influenced strongly by the tech and growth complex.
Regions
- North America 96%
- Europe Developed 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, the mix is overwhelmingly US-focused, with about 96% in North America and only a token slice in developed Europe. That’s even more US-concentrated than many global benchmarks, which typically hold a noticeable share in international markets. Heavy US exposure has been rewarding over the last decade, thanks to US tech and mega-cap leadership. However, it does mean portfolio outcomes are closely tied to US economic, political, and currency conditions. Skipping substantial international exposure can reduce diversification against country-specific shocks. For investors who want their long-term wealth less tied to one region, gradually adding non-US exposure is often worth considering.
Market capitalization
- Mega-cap 43%
- Large-cap 31%
- Mid-cap 17%
- Small-cap 5%
- Micro-cap 2%
This breakdown covers the equity portion of your portfolio only.
Market-cap exposure is dominated by bigger companies: about 43% in mega caps, 31% in large caps, and the rest spread across mid, small, and micro caps. This is broadly consistent with the overall market, just with a slightly heavier emphasis on the very largest names driven by the NASDAQ and tech funds. Large and mega caps tend to be more established and somewhat more resilient in stress, but they can also be more closely linked to index-level moves. The presence of mid, small, and micro caps adds some growth and diversification potential, though their slice is modest. This structure favors stability and liquidity over small-cap aggressiveness.
True holdings
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NV NVIDIA Corporation 7.18%
Part of fund(s):- Invesco NASDAQ 100 ETF
- VanEck Semiconductor ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 6.18%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 4.63%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 3.15%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.71%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.59%
Part of fund(s):- Invesco NASDAQ 100 ETF
- VanEck Semiconductor ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 2.29%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 2.25%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 2.06%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
BR Berkshire Hathaway Inc 0.96%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 34.00%
This breakdown covers the equity portion of your portfolio only.
Looking through ETFs, the biggest underlying exposures are familiar mega-cap names like NVIDIA, Apple, Microsoft, Amazon, both Alphabet share classes, Broadcom, Meta, Tesla, and Berkshire. Several of these appear via multiple ETFs, creating hidden concentration: for example, Apple, Microsoft, and NVIDIA show up in the total-market, NASDAQ 100, tech, and semiconductor funds. Because this analysis only uses ETF top-10 holdings, true overlap is likely even higher. Hidden overlap matters because it means more of the portfolio’s fate is tied to a handful of large growth companies than the headline fund list suggests. Anyone using multiple index funds should periodically check this kind of clustering.
Factors
Factor exposure is very even: value, size, momentum, quality, yield, and low volatility all sit in a neutral, market-like range. Factor exposure describes how much a portfolio leans into certain traits — like cheapness (value) or recent winners (momentum) — that research ties to returns. Here there are no strong tilts in any direction. That’s actually a positive sign: it means the portfolio behaves similarly to the broad market rather than making big hidden bets on specific factors. In practical terms, performance should be driven more by overall equity market direction and regional or sector choices, not by specialized factor strategies.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 70.00% 63.4% -
Invesco NASDAQ 100 ETF
Weight: 22.50% 25.4% -
VanEck Semiconductor ETF
Weight: 2.50% 4.4% -
Fidelity Wise Origin Bitcoin Trust
Weight: 2.50% 3.5% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 2.50% 3.3%
Risk contribution shows how much each holding adds to total portfolio volatility, which can differ from its weight. The total US market ETF is 70% of assets but about 63% of risk, so it’s big but relatively stable. The NASDAQ 100 fund is 22.5% of weight and roughly 25% of risk — slightly punchier. The small 2.5% satellites in semiconductors, Bitcoin, and tech contribute more risk than their size suggests, especially the semiconductor ETF with a risk/weight ratio of 1.76. The top three holdings drive over 93% of total risk, which is expected with a compact ETF lineup. Anyone wanting more balanced risk might adjust position sizes rather than just adding new tickers.
Redundant positions
-
High correlationInvesco NASDAQ 100 ETFVanguard Total Stock Market Index Fund ETF SharesVanguard Information Technology Index Fund ETF Shares
Correlation measures how similarly different holdings move; 1.0 means they move almost in lockstep. The NASDAQ 100 ETF is highly correlated with both the tech ETF (0.97) and the total US market ETF (0.95). That tells you these funds tend to rise and fall together, especially in big macro-driven moves. High correlation doesn’t make them “bad,” but it does limit diversification benefits — owning all three is more like turning up the volume on the same song than adding a new track. To increase resilience, some investors mix in assets that zig when others zag, such as different regions or more defensive asset classes.
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 by about 1.3 percentage points at its risk level. The efficient frontier represents the best expected return for each risk level using the same ingredients but different weights. Sharpe ratio, which measures return per unit of risk, is 0.83 for the current mix versus 1.14 for the optimal allocation and 0.88 for the minimum-variance version. That means the same holdings could be rearranged to get either smoother ride or better payoff for the risk taken. The encouraging message: you’re already in a reasonable zone, but there is room to fine-tune weights to improve efficiency.
Dividends
- Invesco NASDAQ 100 ETF 0.50%
- VanEck Semiconductor ETF 0.30%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard Total Stock Market Index Fund ETF Shares 1.20%
- Weighted yield (per year) 0.96%
The portfolio’s total dividend yield is about 0.96%, with most of that coming from the broad US market ETF. The more growth-oriented funds (NASDAQ, tech, semiconductors) pay very modest income, as many underlying companies reinvest profits instead of distributing them. Dividends matter because they can provide a smoother component of total return, especially in sideways markets. Here, the profile is clearly growth-first and income-second. For long-term savers who don’t need current cash flow, a low yield isn’t a problem. For anyone planning to draw regular income, this level would likely feel light and could require selling shares to meet spending needs.
Ongoing product costs
- Fidelity Wise Origin Bitcoin Trust 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- VanEck Semiconductor ETF 0.35%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.07%
Costs are impressively low, with an overall TER around 0.07%. TER (total expense ratio) is like the ongoing “subscription fee” to own a fund. Keeping this low is one of the most reliable ways to improve long-term outcomes because every dollar not spent on fees stays invested and compounds. The cost profile here lines up very well with best practices and is firmly in “index-fund friendly” territory. Even the satellite positions are reasonably priced for their focus areas. From a cost perspective, there’s no urgent need to tweak things; the attention can reasonably shift to diversification, risk, and alignment with personal goals instead.
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