Strong US growth and tech focused portfolio with efficient costs and room for smarter diversification

Report created on Apr 9, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is almost entirely in equities, with 99% in stock ETFs, 1% in gold, and 0.5% in bitcoin. Within stocks, the core is broad US exposure through a big S&P 500 position, then layered with momentum, growth, tech, and a small mix of dividend, value, and thematic funds. This structure leans clearly toward capital growth rather than capital preservation or income. Having a strong core holding plus satellites is a solid framework, but here the satellites mostly push in the same growthy US direction. A general takeaway is that growth-oriented investors might want to check whether the small allocations to defensive or diversifying assets are enough for their comfort in deeper market downturns.

Growth Info

Over the period shown, $1,000 grew to about $1,514, implying a compound annual growth rate (CAGR) of 20.6%. CAGR is like your average speed on a long road trip, smoothing out bumps in between. This comfortably beat both the US market and global market benchmarks by a bit over 3 percentage points per year, which is a meaningful edge. The price for that return was a max drawdown of around -19.6%, similar to or slightly worse than benchmarks. Drawdown measures the worst peak-to-trough fall, the “gut check” moment. Also, just 13 days made up 90% of returns, showing how missing a few strong days could noticeably change outcomes.

Projection Info

The Monte Carlo simulation projects many possible futures by remixing historical return and volatility patterns into 1,000 alternate paths. It estimates a median outcome of about $2,755 from a $1,000 starting point over 15 years, roughly 8.2% annualized, with a 75% chance of ending above today’s value. There’s a wide range though, from essentially flat to very strong gains, illustrating uncertainty. These numbers are not predictions, just statistically informed “what if” scenarios based on past data. Since past performance doesn’t guarantee the future, it’s helpful to treat these ranges as rough planning tools, not promises. The big message is that staying invested for many years dramatically narrows the odds of a negative result compared with short holding periods.

Asset classes Info

  • Stocks
    99%
  • Other
    1%
  • Crypto
    1%

Asset class exposure is extremely straightforward: almost pure equities, with just 1% in gold and 0.5% in bitcoin as alternatives. This creates strong participation in stock market growth but leaves limited ballast if stocks fall sharply, since there’s essentially no dedicated bond or cash-like buffer. For a “balanced” risk label, this is quite equity-heavy; many balanced approaches would hold a much higher slice of bonds or cash equivalents. That said, the equity portion is spread across different styles and regions, which helps. The takeaway is that risk is primarily equity risk here, so comfort with temporary double-digit drawdowns becomes more important than fine-tuning the tiny allocations to gold or crypto.

Sectors Info

  • Technology
    40%
  • Industrials
    10%
  • Telecommunications
    9%
  • Financials
    9%
  • Health Care
    8%
  • Consumer Discretionary
    7%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    1%

Sector exposure is dominated by technology at 40%, with the rest spread fairly sensibly across industrials, telecom, financials, health care, consumer areas, energy, and materials. Versus broad market norms, tech is clearly overweight, while more defensive sectors like utilities and staples are underrepresented. This tech tilt has helped performance in recent years, especially with strong gains in big US tech names. The flip side is that such a profile is more sensitive to interest rate shifts, regulation, and sentiment around innovation-led growth. In environments where investors rotate toward more defensive or cyclical areas, returns may lag. The sector mix works well for long-term growth mindsets that can live with bumpier short-term swings.

Regions Info

  • North America
    92%
  • Europe Developed
    4%
  • Japan
    1%
  • Asia Developed
    1%
  • Asia Emerging
    1%

Geographically, about 92% of exposure is in North America, with only a small slice in developed Europe and tiny amounts in Japan and other Asian markets. That’s a clear home-country and US bias relative to global market weights, where non-US markets represent a much larger share. Concentrating in one economy and currency has worked out over the last decade, but it also means results are closely tied to the US business cycle, policy decisions, and dollar moves. The positive side is familiarity and strong rule-of-law markets. The trade-off is missing potential diversification benefits from regions that may perform differently when the US hits rough patches or when currency trends reverse.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    39%
  • Mid-cap
    15%
  • Small-cap
    2%
  • Micro-cap
    1%
  • No data
    1%

Market capitalization exposure is heavily skewed toward mega- and large-cap companies, together making up about 81% of the portfolio. Mid-caps are modestly represented, and small- and micro-caps are only a thin slice. Bigger companies tend to be more stable, more widely followed, and often dominate benchmark indices, so this mix lines up well with standard index-based investing. The downside is that it doesn’t fully capture the higher long-term growth potential sometimes seen in smaller firms, which can be more volatile but also more dynamic. For many investors, this large-cap bias is actually a feature: it keeps the ride somewhat smoother and relies on established businesses rather than more speculative names.

True holdings Info

  • NVIDIA Corporation
    7.90%
    Part of fund(s):
    • First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
    • VanEck Semiconductor ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Apple Inc
    5.16%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Microsoft Corporation
    3.72%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Broadcom Inc
    3.35%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
    • VanEck Semiconductor ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Alphabet Inc Class A
    2.86%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Alphabet Inc Class C
    2.33%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Amazon.com Inc
    2.20%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Meta Platforms Inc.
    1.51%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Tesla Inc
    1.36%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Micron Technology Inc
    1.32%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Value Index Fund ETF Shares
  • Top 10 total 31.71%

Looking through the ETFs, the biggest underlying exposures are clustered in a handful of mega-cap tech and tech-adjacent names, with NVIDIA, Apple, Microsoft, Broadcom, Alphabet, Amazon, Meta, Tesla, and Micron all sizeable. Several of these appear in multiple funds, so the true economic exposure is higher than any individual ETF weight suggests. Overlap is probably understated, since only ETF top-10 holdings are captured. This kind of hidden concentration is common in growth-heavy ETF mixes. It’s not necessarily bad, but it does mean portfolio results will be heavily tied to how a small group of large US tech-related companies perform, especially during bubbles or corrections in that space.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 97%
Size
Exposure to smaller companies
Neutral
Data availability: 99%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 95%
Quality
Preference for financially healthy companies
Neutral
Data availability: 95%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

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 near neutral, meaning they broadly resemble the overall market rather than making strong bets on any one characteristic. Factor investing is like choosing which “ingredients” drive returns, such as cheapness (value) or trend-following (momentum). Here, even though there are specific ETFs like momentum or dividend, the combined mix washes out into a very market-like profile. That’s actually a strength for simplicity: performance should track broad market behavior rather than swinging wildly with a single factor cycle. The main implication is that outcomes will depend more on overall equity and geographic positioning than on smart factor tilts, which keeps the story easier to understand.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 33.00%
    29.5%
  • Invesco S&P 500® Momentum ETF
    Weight: 20.00%
    23.0%
  • Invesco NASDAQ 100 ETF
    Weight: 10.00%
    11.6%
  • Schwab U.S. Large-Cap Growth ETF
    Weight: 10.00%
    11.6%
  • Vanguard Information Technology Index Fund ETF Shares
    Weight: 7.00%
    9.7%
  • Top 5 risk contribution 85.3%

Risk contribution measures how much each holding adds to the portfolio’s overall ups and downs, which can differ from its simple weight. The S&P 500 ETF is 33% of the portfolio but contributes about 29% of risk, while the momentum, NASDAQ 100, and US large-cap growth ETFs together push total risk above 60%. The tech ETF, despite a 7% weight, contributes almost 10% of risk, showing how concentrated growth and tech are in driving volatility. This structure is still reasonably aligned — no single position totally dominates — but the top three holdings accounting for about two-thirds of risk means their behavior will largely shape the experience. Rebalancing occasionally can keep this concentration from drifting further.

Redundant positions Info

  • Vanguard Total International Stock Index Fund ETF Shares
    Vanguard International High Dividend Yield Index Fund ETF Shares
    BNY Mellon International Equity ETF
    High correlation
  • Vanguard Total World Stock Index Fund ETF Shares
    Vanguard Information Technology Index Fund ETF Shares
    Schwab U.S. Large-Cap Growth ETF
    Vanguard S&P 500 ETF
    Invesco NASDAQ 100 ETF
    High correlation

Correlations show how often different holdings move in the same direction. Several pairs here, especially among the big US and tech-focused ETFs, move almost identically. That’s unsurprising, since they all tap into similar large-cap growth and tech-heavy indices. When assets are highly correlated, adding more of them doesn’t boost diversification much, even if they look different by name. For example, owning both a broad US index and a NASDAQ or US growth ETF can effectively double down on the same drivers. International equity positions and the small gold allocation are more likely to behave differently at times, but they’re quite small. Overall, the correlation pattern confirms that the main diversification is within US equities, not across fundamentally different return streams.

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 shows the current mix is well below what could be achieved using just these existing holdings with different weights. The current Sharpe ratio — a simple measure of return per unit of risk — is 0.94, while an optimal combination of the same funds could reach a Sharpe above 2 with slightly lower volatility and much higher expected return. That means the ingredients are strong, but the recipe is not yet as efficient as it could be. Importantly, this doesn’t require adding new products: it’s about reweighting among what’s already there. Even moving toward the minimum-variance mix could improve the balance between risk and reward without fundamentally changing the investment lineup.

Dividends Info

  • BNY Mellon International Equity ETF 2.50%
  • First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund 0.90%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.40%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Schwab International Dividend Equity ETF 3.40%
  • VanEck Semiconductor ETF 0.30%
  • Invesco S&P 500® Momentum ETF 0.80%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total World Stock Index Fund ETF Shares 1.70%
  • Vanguard Value Index Fund ETF Shares 2.00%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 3.50%
  • SPDR® S&P Metals and Mining ETF 0.30%
  • Weighted yield (per year) 1.02%

The overall dividend yield is about 1.02%, which is modest and well below what a dedicated income-focused portfolio would target. Some holdings, like US and international dividend ETFs and value funds, provide higher yields in the 2–3.5% range, but they are small weights. Growth and tech-oriented ETFs usually pay low dividends, preferring companies that reinvest profits, and that’s reflected here. For long-term accumulators who don’t need current cash flow, this isn’t a problem; total return (price gains plus dividends) matters more than yield alone. However, anyone planning to draw regular income from this mix would likely need to rely on selling shares rather than living primarily off distributions.

Ongoing product costs Info

  • BNY Mellon International Equity ETF 0.04%
  • First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund 0.57%
  • iShares Gold Trust 0.25%
  • iShares Bitcoin Trust 0.12%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Schwab International Dividend Equity ETF 0.14%
  • VanEck Semiconductor ETF 0.35%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Vanguard Value Index Fund ETF Shares 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
  • SPDR® S&P Metals and Mining ETF 0.35%
  • Weighted costs total (per year) 0.10%

The average total expense ratio (TER) for the portfolio is about 0.10%, which is impressively low given the number of holdings. TER is the annual fee charged by funds, and shaving even a few tenths of a percent can meaningfully boost long-term results through compounding. Most ETFs used here are standard low-cost index funds, with only one or two more expensive thematic or niche funds in the 0.35–0.57% range. This cost discipline is a big positive: it means more of the gross market return stays in your pocket rather than going to fund providers every year. As a structural foundation, the fee level is close to best practice.

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