Concentrated technology growth portfolio with strong recent returns and efficient risk balance near the frontier
Report created on May 8, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 33.34% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 33.33% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 33.33%
This portfolio is built from three equity ETFs in almost perfectly equal slices, each around one‑third. Two funds focus on US growth and technology-heavy stocks, while the third spreads across international markets outside the US. So structurally, it mixes a focused tech engine with a broad overseas wrapper. Because all holdings are stocks, the portfolio’s ups and downs are fully tied to equity markets rather than being cushioned by bonds or cash. The equal weighting keeps things simple and transparent. Overall, the structure leans clearly toward growth and innovation themes, with the international fund adding some balance by including companies from a wide range of regions and industries.
Growth
Over the period from late 2020 to May 2026, $1,000 grew to about $2,281, implying a compound annual growth rate (CAGR) of 16.08%. CAGR is like an average yearly “speed” of growth over the whole journey, smoothing out bumps. This return slightly beat the US market and more clearly outpaced the global market. The trade-off was a deeper max drawdown of about -33%, compared with a -25% drop for the US benchmark. That drawdown took roughly 10 months to bottom and more than a year to fully recover, showing that the portfolio has bounced back well but can experience sharp, extended declines.
Projection
The forward projection uses a Monte Carlo simulation, which means the model replays many possible futures by shuffling and re-sampling past returns and volatility patterns. Think of it as rolling the dice 1,000 times based on historical behavior to see a range of plausible outcomes. The median result grows $1,000 to about $2,810 over 15 years, equal to an annualized return around 8.04%. But the spread is wide: many paths finish near $1,770–$4,139, with some much lower or much higher. This illustrates that even with strong historic returns, future outcomes are uncertain and can differ sharply from the past.
Asset classes
- Stocks 100%
All of the portfolio is invested in stocks, with 0% in bonds, cash, or alternatives. That makes the asset-class mix very straightforward but also means there’s no built-in cushion from more stable assets during equity downturns. In broad market terms, this is a growth‑oriented stance, where long‑term return potential comes with higher short‑term swings. Compared with global multi‑asset benchmarks that usually hold a mix of stocks and bonds, this portfolio is more aggressive in risk terms. The upside is full participation in equity market gains; the downside is that when markets fall, there are no other asset classes here to offset the declines.
Sectors
- Technology 56%
- Financials 8%
- Consumer Discretionary 7%
- Telecommunications 7%
- Industrials 6%
- Consumer Staples 4%
- Health Care 4%
- Basic Materials 3%
- Energy 2%
- Utilities 2%
- Real Estate 1%
Sector exposure is dominated by technology at 56%, with the rest spread across areas like financials, consumer sectors, telecoms, and industrials in smaller portions. This tech tilt is much heavier than broad global benchmarks, where technology is important but not a majority. Sector concentration like this can amplify performance when tech is in favor and growing quickly, but it also means results are more sensitive to interest-rate changes, regulation, or sentiment shifts affecting that industry. The positive note is that non‑tech sectors are still represented, giving some diversification across different parts of the economy, even though the portfolio’s overall “personality” stays clearly tech-driven.
Regions
- North America 69%
- Europe Developed 13%
- Japan 5%
- Asia Developed 5%
- Asia Emerging 5%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 69% of the portfolio sits in North America, with the rest spread across developed Europe, Japan, developed and emerging Asia, and smaller stakes in other regions. This means the portfolio is heavily anchored to one major market but still has meaningful global reach. Compared with a world equity benchmark, the North America share is relatively high, reflecting the tech and Nasdaq focus. Global exposure can help smooth out country‑specific shocks because economic cycles and policies differ across regions. At the same time, the dominance of one region means portfolio performance will be strongly linked to how that market and its currency behave over time.
Market capitalization
- Mega-cap 50%
- Large-cap 30%
- Mid-cap 13%
- Small-cap 4%
- Micro-cap 1%
Market‑cap exposure is tilted toward the largest companies: about half in mega‑caps, 30% in large‑caps, and only modest amounts in mid, small, and micro-caps. Mega‑caps are huge, established firms that often drive headline indices and can be more stable than tiny companies, though they still move significantly in volatile markets. This profile broadly lines up with major stock benchmarks, which are also top‑heavy. The advantage is exposure to globally recognized leaders with deep resources and liquidity. The trade‑off is less participation in smaller, potentially faster‑growing companies, and more sensitivity to what happens to a relatively small group of giants dominating index weights.
True holdings
-
NV NVIDIA Corporation 8.92%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Information Technology Index Fund ETF Shares
-
AA Apple Inc 7.68%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Information Technology Index Fund ETF Shares
-
MS Microsoft Corporation 5.16%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Information Technology Index Fund ETF Shares
-
AV Broadcom Inc 2.62%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Information Technology Index Fund ETF Shares
-
MU Micron Technology Inc 1.81%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Information Technology Index Fund ETF Shares
-
AM Amazon.com Inc 1.69%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
GO Alphabet Inc Class A 1.30%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
GO Alphabet Inc Class C 1.20%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.15%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
TS Tesla Inc 1.12%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Top 10 total 32.63%
Looking through to the top underlying holdings, a handful of big names stand out: NVIDIA, Apple, Microsoft, and Broadcom together account for a notable slice of the portfolio, all via ETFs. Several of these companies appear in more than one fund, which creates overlap and increases hidden concentration in the same stocks. Because only ETF top‑10 holdings are captured, actual overlap is likely higher than shown. This means that while the portfolio owns hundreds of companies indirectly, a relatively small set of large tech and growth names have an outsized influence on returns, both on the upside and during sharp pullbacks in those stocks.
Factors
Factor exposure is generally close to neutral across size, momentum, quality, yield, and low volatility, which means it behaves broadly like the market on those dimensions. The one notable tilt is value, which is at 30%, indicating a mild tilt away from value stocks. Factor investing looks at traits like “cheap vs. expensive” or “stable vs. volatile” that research links to long‑term performance. A lower value exposure typically comes with a tilt toward growth and higher‑priced companies. This aligns with the portfolio’s tech-heavy composition and can boost returns in growth‑friendly environments, but may lag when cheaper, more cyclical parts of the market lead.
Risk contribution
-
Vanguard Information Technology Index Fund ETF Shares
Weight: 33.33% 40.8% -
Invesco NASDAQ 100 ETF
Weight: 33.33% 36.5% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 33.34% 22.6%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. Here, the technology ETF contributes about 41% of total risk despite being one‑third of the assets, while the Nasdaq ETF adds roughly 37%. The international fund, though equally weighted, contributes only about 23% of risk. This tells us that the tech and Nasdaq slices are more volatile and more correlated with each other, so they dominate the portfolio’s behavior. The structure is still relatively balanced in number of holdings, but in practical terms, risk is clearly concentrated in the two US growth‑oriented funds.
Redundant positions
-
High correlationVanguard Information Technology Index Fund ETF SharesInvesco NASDAQ 100 ETF
The correlation data highlights that the Nasdaq 100 ETF and the dedicated technology ETF move almost identically. Correlation measures how often two investments move in the same direction; highly correlated assets tend to rise and fall together. This near‑lockstep behavior means holding both does not add much diversification between them, even though they are separate funds. Instead, they reinforce the same growth and tech themes. The international fund likely provides more diversification, since it owns many companies outside the tech‑heavy US universe. Overall, this pattern helps explain why tech and Nasdaq positions punch above their weight in driving portfolio volatility.
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 vs. return chart shows the current portfolio sitting on or very near the efficient frontier. The efficient frontier is the curve of best possible return for each risk level using these same holdings but with different weightings. The portfolio’s Sharpe ratio of 0.66, a measure of return per unit of risk above the risk‑free rate, is slightly below the optimal mix’s 0.8 but close to the minimum-variance option’s 0.7. This indicates that, given these three ETFs, the current weights are already using risk efficiently. Reweighting could shift toward somewhat higher or lower risk, but the existing balance is broadly consistent with an efficient structure.
Dividends
- Invesco NASDAQ 100 ETF 0.40%
- Vanguard Information Technology Index Fund ETF Shares 0.30%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.13%
The portfolio’s total dividend yield is about 1.13%, with the international fund providing most of that income and the tech and Nasdaq ETFs yielding well under 1%. Dividend yield is the annual cash payout as a percentage of the investment’s price, and it can be an important part of total return over long horizons. Here, the relatively low yield is typical for growth and technology‑oriented strategies, where more of the return potential comes from price appreciation rather than regular cash distributions. This aligns with the portfolio’s overall growth profile, even though it means current income from dividends is modest.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.10%
Average costs are very low, with a blended total expense ratio (TER) of about 0.10% across the three ETFs. TER is the annual fee charged by a fund, expressed as a percentage of assets, and it comes out of returns behind the scenes. In this case, costs are significantly below many active funds and in line with competitive index products. That’s a positive structural feature because lower ongoing fees leave more of any future returns in the portfolio over time. For a long-term, buy‑and‑hold approach, keeping costs this lean is a strong foundation and supports better compounding.
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