Tech tilted US growth portfolio with efficient structure and moderate international diversification
Report created on Jun 15, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 50.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 30.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10.00%
This portfolio is a compact four‑ETF mix, entirely in stocks. About half sits in a broad US large‑cap index, while roughly a third targets the tech‑heavy growth names in a well‑known US index. A smaller slice tilts into US small‑cap value, and the rest adds broad international equity. Structurally, this is a concentrated equity portfolio with a clear US and growth bias, but still includes some diversification by size (large vs small) and region (US vs non‑US). A simple lineup like this makes it easier to understand what’s driving results, because most performance will come from big US companies, with the smaller positions giving a slight style and geographic twist.
Growth
One or more local-currency benchmark funds are unavailable for this report.
Over the period from late 2020 to mid‑2026, a hypothetical $1,000 in this mix grew to about $2,388. That translates into a compound annual growth rate (CAGR) of 16.67%, meaning the investment averaged that growth per year over the full stretch, like computing average speed on a long trip. This beat the global equity benchmark by roughly 3 percentage points per year. The worst peak‑to‑trough drop (max drawdown) was about -26%, similar in depth to the global market but followed by a full recovery. Performance has been strong, but it relied on a relatively small number of very good days, which is typical for equity‑heavy, growth‑tilted portfolios.
Projection
The Monte Carlo projection uses the past data and volatility of this portfolio to simulate 1,000 possible 15‑year paths for a $1,000 investment. Think of it as re‑rolling history many times with slightly different sequences of good and bad years. The median outcome lands around $2,808, with a 25–75% “middle band” between about $1,900 and $4,129. The wide 5–95% range ($999 to $7,835) shows that long‑term results could be much weaker or stronger than the central case. The average simulated return of 8.26% a year reflects both up and down scenarios. As always, these are statistical guesses — not promises — and future markets can behave differently from the past.
Asset classes
- Stocks 100%
All of this portfolio sits in one asset class: stocks. There’s no allocation to bonds, cash, or alternatives. From an educational standpoint, asset class mix is one of the biggest drivers of how bumpy or smooth an investment ride feels. A 100% equity allocation typically offers more growth potential but can swing more sharply during market stress than a blended stock‑bond mix. Compared with many broad benchmarks that include some safer assets, this structure leans firmly toward return‑seeking risk. The diversification within equities helps, but it doesn’t change the fact that everything here is tied to stock market behavior rather than being cushioned by other asset classes.
Sectors
- Technology 38%
- Consumer Discretionary 11%
- Financials 11%
- Telecommunications 11%
- Industrials 8%
- Health Care 7%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 2%
- Utilities 2%
- Real Estate 1%
Sector exposure is heavily tilted toward technology at about 38%, with consumer discretionary, financials, and telecommunications forming the next tier. Smaller slices are spread across industrials, health care, staples, energy, materials, utilities, and real estate. Compared with broad global equity benchmarks, this tech weight is high, reflecting the influence of the US large‑cap and NASDAQ‑style growth holdings. Tech‑heavy portfolios often benefit when innovation‑driven companies do well, but can be more sensitive to interest rate changes and shifts in investor sentiment about high‑growth businesses. The presence of more defensive sectors like staples and utilities is relatively small, so sector‑level diversification is decent but clearly anchored in growth‑oriented areas.
Regions
- North America 90%
- Europe Developed 4%
- Asia Developed 2%
- Japan 2%
- Asia Emerging 1%
Geographically, about 90% of the portfolio is in North America, with modest exposure to developed Europe, Japan, and other parts of Asia, plus a small emerging Asia slice. This means returns are strongly linked to the US market and US dollar, with international holdings playing a supporting role rather than an equal partner. Relative to global equity benchmarks, which spread more across regions, this is clearly a US‑tilted setup. That alignment with the US market has been helpful in recent years, given US outperformance, and the structure is straightforward to follow. At the same time, non‑US markets, currencies, and economic cycles play only a minor role in overall portfolio behavior.
Market capitalization
- Mega-cap 44%
- Large-cap 31%
- Mid-cap 14%
- Small-cap 6%
- Micro-cap 5%
By market capitalization, this portfolio leans strongly toward large and mega‑cap companies, which together make up around three‑quarters of the exposure. Mid‑caps provide a smaller but meaningful slice, while small and micro‑caps are present mainly through the dedicated small‑cap value ETF. Market cap exposure matters because bigger companies tend to be more stable and widely researched, while smaller ones can be more volatile but sometimes offer different growth or value characteristics. Here, the structure is broadly aligned with common benchmarks that are large‑cap dominated, with a deliberate, modest tilt into smaller names. That tilt can change how the portfolio behaves in certain cycles without overwhelming the influence of the mega‑cap core.
True holdings
-
NV NVIDIA Corporation 6.44%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 5.34%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.94%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.40%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.87%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.52%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.42%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.85%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 1.44%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
ME Meta Platforms Inc. 1.09%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 31.31%
Looking through the ETFs’ top holdings, a handful of very large US companies make up a noticeable chunk of the portfolio. NVIDIA, Apple, Microsoft, Amazon, Alphabet (both share classes), Broadcom, Tesla, Micron, and Meta together represent a sizable combined weight. Because these names appear in more than one ETF, they create “hidden” overlap — the portfolio might look like four funds, but some of the underlying companies repeat. That overlap is especially evident in mega‑cap tech and communication names, reinforcing the growth and tech tilt. Coverage stats show that top‑10 data only captures about a third of total holdings, so actual overlap is likely higher than what’s visible here.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility is broadly neutral — all sit around the 40–60% range, which is considered market‑like. Factors are just characteristics academics found help explain returns, like whether a stock is cheap (value) or stable (low volatility). In this portfolio, no single factor stands out as a dominant intentional tilt. The mix of broad market ETFs and a small‑cap value slice seems to net out into a balanced profile. This means performance is likely to track general market behavior rather than strongly riding any one factor cycle, for better or worse, and can help avoid big surprises tied to specialized factor strategies.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 46.3% -
Invesco NASDAQ 100 ETF
Weight: 30.00% 36.0% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 10.1% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 10.00% 7.6%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the broad US ETF is about half the portfolio and contributes a similar share of risk, which is proportional. The NASDAQ‑100 ETF is 30% by weight but contributes about 36% of total risk, meaning it’s slightly more volatile relative to its size. The small‑cap value fund’s risk share is close to its weight, while the international ETF adds less risk than its 10% allocation. The top three holdings together account for over 90% of total risk, so day‑to‑day movements are dominated by those core US funds.
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 analysis suggests this portfolio is already positioned on or very near the efficient frontier for its holdings. The Sharpe ratio, which compares return above the risk‑free rate to volatility, is 0.74 for the current mix, while the best possible combination from the same ETFs scores higher at 0.95. The minimum‑variance mix, focused on lowest risk, still has a Sharpe above the current portfolio. That said, the report notes the existing allocation is efficient for its risk level, meaning it’s making good use of its building blocks. Any theoretical improvement would come mainly from re‑weighting these four ETFs rather than needing additional products.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.60%
- Invesco NASDAQ 100 ETF 0.40%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.10%
The portfolio’s overall dividend yield is about 1.10%, on the lower side compared with many broad equity income strategies. That reflects the heavy presence of growth‑oriented US large‑caps and the NASDAQ‑style ETF, which historically focus more on reinvesting cash into their businesses than paying high dividends. The international ETF and small‑cap value slice offer higher yields individually, but their smaller weights limit impact at the portfolio level. Dividends can contribute meaningfully to long‑term returns, especially when reinvested, but in this setup they appear more as a modest bonus on top of expected price growth rather than the main driver of total return.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.09%
The weighted average cost (Total TER) of the portfolio is around 0.09% per year, which is impressively low. TER, or total expense ratio, is like an annual service fee the funds take before returns reach you. Costs add up slowly, so paying less can leave more of the gross performance in your pocket over time. Here, the largest position uses a very cheap index ETF, and even the more specialist small‑cap value fund is modestly priced. Compared with many actively managed products, this overall fee level supports better long‑term compounding and is a real strength of the portfolio’s design.
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