Growth tilted US equity portfolio with strong technology exposure and meaningful small cap and emerging positions

Report created on May 19, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is a 100% stock mix built entirely from broad index funds and factor-tilted ETFs. About half of it sits in total US market and S&P 500 funds, while the rest leans into specific themes like US technology, small cap value, small cap growth, midcap momentum, and emerging markets. That blend makes it clearly growth oriented, with no bonds or cash buffers included in the structure. A composition like this tends to ride equity market trends quite strongly, both up and down. The combination of broad index exposure and focused factor funds means returns are driven by the overall market plus a few targeted return drivers layered on top.

Growth Info

From late 2019 to mid 2026, a hypothetical $1,000 invested here grew to about $2,924, for a compound annual growth rate (CAGR) of 17.63%. CAGR is like your average yearly “speed” over the full journey, smoothing out bumps along the way. Over this period, the portfolio outpaced both the US market (16.44%) and the global market (13.82%). The worst peak-to-trough drop was about -35.8% during early 2020, slightly deeper than the benchmarks but recovered in roughly four months. This pattern—better long-term growth with somewhat sharper drawdowns—is common for all‑equity, growth‑tilted portfolios in strong bull markets.

Projection Info

The Monte Carlo projection looks forward 15 years by simulating many possible future paths using historical return and volatility patterns. Think of it as “re-running” the next 15 years 1,000 different ways with slightly different market conditions each time. In these simulations, $1,000 most often ends around $2,832, with a wide “likely” band from about $1,759 to $4,339. The extreme 5–95% range is even wider, showing both near-breakeven and very strong outcomes. The average simulated annual return is 8.27%, much lower than the recent historical figure, which underlines that past strong returns do not automatically continue. Simulations are educated guesses, not forecasts, and real markets can behave very differently.

Asset classes Info

  • Stocks
    100%

All of this portfolio is in stocks, with 0% dedicated to bonds, cash, or alternative assets. Asset classes are broad buckets like stocks, bonds, and real estate that tend to respond differently to economic conditions. A 100% equity allocation usually offers higher long-term return potential but also larger and more frequent swings in value. There is no built‑in stabilizer here that might typically come from bonds or cash during equity selloffs. The diversification score being only moderate reflects that, while there is variety within equities, there is no cross‑asset diversification. Historically, single‑asset‑class portfolios can feel very rewarding in strong markets and much harsher in prolonged downturns.

Sectors Info

  • Technology
    41%
  • Industrials
    12%
  • Financials
    12%
  • Health Care
    6%
  • Consumer Discretionary
    6%
  • Energy
    6%
  • Telecommunications
    5%
  • Consumer Staples
    3%
  • Basic Materials
    3%
  • Consumer Discretionary
    3%
  • Real Estate
    2%
  • Utilities
    2%

Sector exposure is clearly tilted toward technology at 41%, with the rest spread across industrials, financials, health care, energy, telecoms, and smaller slices of other sectors. In broad global or US benchmarks, technology is usually a large but not this dominant share, so this portfolio leans meaningfully toward tech-driven themes like digitalization, semiconductors, and software. Sector concentration matters because different parts of the economy can cycle in and out of favor. Tech-heavy portfolios often do very well when growth and innovation are rewarded but may react more sharply to rising interest rates or regulatory concerns. The other sectors provide some diversification, but technology is the main driver of sector risk and return here.

Regions Info

  • North America
    88%
  • Asia Developed
    5%
  • Asia Emerging
    4%
  • Latin America
    1%
  • Europe Developed
    1%
  • Africa/Middle East
    1%

Geographically, about 88% of the equity exposure is in North America, with small allocations to Asia (developed and emerging), Latin America, Europe, and Africa/Middle East. In global stock indices, the US is large but not typically this dominant, so the portfolio shows a clear home‑country bias. Geography affects risk because economies, currencies, and policy environments can diverge over time. A strong US tilt has benefited from the recent decade of US equity outperformance, especially in growth and technology themes. The smaller stakes in emerging and non‑US markets add some global diversification and exposure to different growth drivers, but the overall risk remains heavily tied to US economic and market conditions.

Market capitalization Info

  • Mega-cap
    33%
  • Large-cap
    21%
  • Small-cap
    18%
  • Mid-cap
    17%
  • Micro-cap
    10%

Market capitalization exposure is spread across the full spectrum: around a third in mega caps, with significant stakes in large, mid, small, and even micro caps. Market cap is basically company size measured by stock market value; large firms tend to be more stable and widely followed, while smaller companies can be more volatile but offer different growth dynamics. Compared with a standard broad market index, this portfolio leans more into smaller segments through dedicated small and midcap funds. That tilt can increase both upside and downside swings because smaller companies’ prices often move more sharply. The blend still keeps a solid anchor in mega and large caps, which helps ground overall behavior in mainstream equity trends.

True holdings Info

  • NVIDIA Corporation
    4.50%
    Part of fund(s):
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Apple Inc
    3.61%
    Part of fund(s):
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    2.49%
    Part of fund(s):
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    1.24%
    Part of fund(s):
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.23%
    Part of fund(s):
    • iShares Core MSCI Emerging Markets ETF
  • Micron Technology Inc
    0.52%
    Part of fund(s):
    • Vanguard Information Technology Index Fund ETF Shares
  • Samsung Electronics Co Ltd
    0.52%
    Part of fund(s):
    • iShares Core MSCI Emerging Markets ETF
  • Advanced Micro Devices Inc
    0.52%
    Part of fund(s):
    • Vanguard Information Technology Index Fund ETF Shares
  • Amazon.com Inc
    0.42%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Intel Corporation
    0.39%
    Part of fund(s):
    • Vanguard Information Technology Index Fund ETF Shares
  • Top 10 total 15.45%

Looking through the ETFs’ top holdings, a few big names stand out: NVIDIA, Apple, Microsoft, Broadcom, and Taiwan Semiconductor each show up repeatedly, together making up a meaningful share of the covered portion. Overlap is concentrated in large technology and semiconductor firms, which reinforces the already high tech sector weight. Because only top‑10 ETF positions are included, true overlap across all holdings is likely higher than reported. Overlap matters since the same company appearing in multiple funds effectively increases exposure beyond what each fund’s weight suggests. Here, the top positions show that a relatively small group of mega‑cap tech and chip companies have an outsized influence on a portion of the portfolio’s behavior.

Factors Info

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

Factor exposure is fairly balanced overall, with most factors sitting close to neutral. Size shows a notable mild tilt higher, reflecting the dedicated small and midcap funds; this can lead to more sensitivity to smaller company dynamics, which often means higher volatility and more cyclical swings. Yield is mildly low, consistent with a growth‑oriented, tech‑heavy mix that emphasizes price appreciation over income. Value, momentum, quality, and low volatility are all near market‑like levels, so there is no strong directional bet there. In practice, that means the portfolio doesn’t heavily chase any one academic factor theme apart from a modest emphasis on smaller companies and a preference for lower-dividend, growth-driven holdings.

Risk contribution Info

  • Fidelity Total Market Index Fund
    Weight: 30.00%
    27.8%
  • Vanguard Information Technology Index Fund ETF Shares
    Weight: 20.00%
    23.0%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 15.00%
    16.8%
  • Invesco S&P MidCap Momentum ETF
    Weight: 10.00%
    10.2%
  • Vanguard S&P 500 ETF
    Weight: 10.00%
    9.0%
  • Top 5 risk contribution 86.7%

Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ from its simple weight. The Fidelity Total Market fund is 30% of the portfolio and contributes about 27.8% of risk, roughly in line with size. The Vanguard tech ETF at 20% weight contributes about 23% of risk, and the small cap value ETF at 15% contributes almost 17%. Together, the top three positions add up to around 68% of overall portfolio risk, even though they’re 65% of the allocation. That concentration is not extreme but clearly makes these funds the main risk engines. The broad US funds slightly dampen risk relative to weight, while the more focused factor funds add a bit more than their share.

Redundant positions Info

  • Fidelity Total Market Index Fund
    Vanguard S&P 500 ETF
    High correlation

The correlation data highlights that the Fidelity Total Market Index Fund and the Vanguard S&P 500 ETF move almost identically. Correlation measures how similarly two investments move; a correlation close to 1 means they tend to rise and fall together. This is expected because both are broad US equity funds with large overlapping holdings. High correlation isn’t a problem by itself but it does limit diversification benefits between those specific positions. In practice, these two funds behave very much like one combined US core exposure. The real diversification within the portfolio instead comes from the differentiated pieces—technology, small caps, emerging markets, and momentum—whose return patterns can diverge more from the broad US core.

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 chart compares the current portfolio’s risk and return mix with the best achievable combinations using the same holdings. The portfolio’s Sharpe ratio—return per unit of risk after accounting for a 4% risk‑free rate—is 0.67. The optimal mix of these funds reaches a Sharpe of 0.92 at higher risk, and the minimum variance mix gets 0.74 at lower risk. Because the current allocation sits about 1.33 percentage points below the frontier at its risk level, historical data suggests that simply reweighting these same funds could have delivered better risk‑adjusted returns. That doesn’t guarantee future improvement, but it does show the present mix is somewhat off the historically most efficient path.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Fidelity Total Market Index Fund 1.00%
  • iShares Core MSCI Emerging Markets ETF 2.30%
  • iShares S&P Small-Cap 600 Growth ETF 0.80%
  • Vanguard Information Technology Index Fund ETF Shares 0.30%
  • Vanguard S&P 500 ETF 1.00%
  • Invesco S&P MidCap Momentum ETF 0.60%
  • Weighted yield (per year) 0.98%

The blended dividend yield of the portfolio is about 0.98%, which is modest compared with many broad equity income strategies. Yield is highest in the emerging markets ETF and small cap value ETF, while the technology and momentum funds offer very low current payouts. Dividends are just one component of total return, but they can provide a more predictable cash flow stream than price movements. In a portfolio like this, most of the historical return has likely come from capital gains rather than income. That’s consistent with its growth orientation and low yield factor exposure. For investors mainly focused on long‑term accumulation, reinvested dividends still contribute, but income is not the central feature here.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Fidelity Total Market Index Fund 0.02%
  • iShares Core MSCI Emerging Markets ETF 0.09%
  • iShares S&P Small-Cap 600 Growth ETF 0.18%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.12%

The total expense ratio (TER) for the portfolio averages around 0.12%, which is impressively low given the mix of broad index and factor funds. TER is the annual fee charged by funds, and while it looks small, it compounds over time—lower fees leave more of any returns in the investor’s hands. The cheapest pieces here are the core index funds, with very low TERs, while the specialized factor ETFs cost more but still sit in a moderate range. Compared with many active mutual funds, this blended cost structure is very competitive. As a foundation, low costs and diversified index-based exposure provide a strong baseline for long-term compounding, independent of market direction.

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