High growth focused US stock portfolio with strong technology tilt and concentrated risk
Report created on Jun 6, 2026Risk profile
5/7
Diversification profile
2/5
Positions
-
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 40.00% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 40.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 10.00% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 10.00%
This portfolio is a compact mix of four US-focused equity ETFs, with 80% in broad US stock exposure and 20% in more targeted themes. Two core funds split 40% each between the total US market and a momentum-tilted large-cap index, forming the main growth engine. The remaining 20% is split between a high-yield US dividend ETF and a dedicated semiconductor ETF, adding income and a focused growth kicker. Structurally, this is a pure equity portfolio with no bonds or alternatives, so it leans clearly toward capital growth rather than stability. That straightforward setup makes it easy to understand, but also means portfolio ups and downs will closely follow equity markets, especially in the US.
Growth
Historically, this mix has performed very strongly: a hypothetical $1,000 grew to about $6,674 over ten years, a compound annual growth rate (CAGR) of 23.58%. CAGR is like average speed on a road trip, showing how fast the portfolio grew per year overall. That outpaced both the US market (17.62%) and global market (14.85%), so the growth tilt has been rewarded. Max drawdown, the worst peak-to-trough drop, was around -32.6%, similar to the benchmarks’ drawdowns during early 2020. Returns were concentrated in just 47 days that made up 90% of gains, underscoring how missing a small number of strong days could have significantly changed the outcome.
Projection
The Monte Carlo projection uses historical returns and volatility to create 1,000 possible 15-year futures for a $1,000 investment. Think of it as running many alternate histories to see a range of outcomes, not one fixed forecast. The median result is about $2,676, with a “middle” band from roughly $1,708 to $3,936 and a wide $922 to $7,534 possible range. The average annual return across simulations is 7.83%, and about 72% of paths end positive. These projections smooth out the unusually strong recent decade and include bad-luck scenarios as well. Like any model based on the past, they cannot predict the future, but they help frame what “good,” “ok,” and “tough” paths might look like.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with 100% equity exposure and no allocation to bonds, cash, or other asset classes. Equities are typically the main driver of long-term growth, but they also swing more than bonds or cash, especially during recessions or market shocks. Many broad benchmarks mix stocks with bonds to temper volatility, so this all-stock setup naturally runs hotter than those blended indices. From a diversification angle, this means risk is focused in one asset class rather than spread across different types of return streams. In practice, that can mean larger drawdowns and faster recoveries, with portfolio value more sensitive to economic and earnings cycles.
Sectors
- Technology 47%
- Industrials 10%
- Telecommunications 8%
- Health Care 8%
- Financials 8%
- Consumer Staples 5%
- Consumer Discretionary 5%
- Energy 4%
- Basic Materials 1%
- Utilities 1%
- Real Estate 1%
Sector-wise, the portfolio is heavily tilted toward technology at 47%, much higher than broad US or global benchmarks. The rest is spread across industrials, telecom, healthcare, financials, and consumer areas, with smaller slices in energy, materials, utilities, and real estate. A strong tech tilt often boosts returns in periods of innovation, low interest rates, or strong earnings growth for digital and chip-related businesses. It can also mean more volatility when rates rise, regulation tightens, or sentiment shifts away from high-growth names. The presence of multiple non-tech sectors provides some diversification, but sector risk still leans clearly toward technology-driven trends and news.
Regions
- North America 98%
- Asia Developed 1%
- Europe Developed 1%
Geographically, the portfolio is almost entirely US-based, with about 98% in North America and only small slivers in developed Asia and Europe. That means economic growth, corporate earnings, regulation, and currency exposure are overwhelmingly tied to the US. Relative to global benchmarks that usually allocate a large share outside the US, this is a pronounced home-country tilt. When the US market leads, as it largely has in the past decade, this concentration can amplify outperformance. However, it also means events specific to the US economy or policy can have an outsized impact on the whole portfolio, while opportunities or setbacks elsewhere in the world barely register here.
Market capitalization
- Large-cap 42%
- Mega-cap 39%
- Mid-cap 14%
- Small-cap 3%
- Micro-cap 1%
By market capitalization, this portfolio leans toward the very largest companies, with around 81% in mega- and large-caps. Mid-caps and small/micro-caps together make up under 20%. Larger companies tend to be more established and liquid, and they often dominate broad indices, so this profile is fairly close to a market-weighted US equity exposure. Smaller-cap holdings add some diversification and potentially higher growth, but they are not the main driver. In practice, this means portfolio performance is shaped mostly by the biggest, most widely followed names. Volatility will reflect that: generally lower than a small-cap-heavy portfolio but still meaningful in big market moves.
True holdings
-
NV NVIDIA Corporation 7.80%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- VanEck Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 5.34%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- VanEck Semiconductor ETF
-
AV Broadcom Inc 4.95%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- VanEck Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 3.17%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 2.51%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Advanced Micro Devices Inc 2.36%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- VanEck Semiconductor ETF
-
AA Apple Inc 2.30%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
LR Lam Research Corp 1.82%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- VanEck Semiconductor ETF
-
IN Intel Corporation 1.79%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- VanEck Semiconductor ETF
-
MS Microsoft Corporation 1.74%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 33.78%
Looking through ETF holdings, several individual companies appear prominently across funds, especially in semiconductors and large US tech. NVIDIA, Micron, and Broadcom alone account for roughly 18% combined, with additional exposure to firms like Alphabet (both share classes), AMD, Apple, Intel, Lam Research, and Microsoft. Because some of these names likely appear in multiple ETFs, there is hidden overlap beyond simple fund counts. Overlap matters because when a single company is held in many places, its moves can affect the portfolio more than any one fund’s weight suggests. Note that only top-10 holdings are captured here, so true overlap may be higher than these figures indicate.
Factors
Factor exposure is broadly neutral across all six measured dimensions: value, size, momentum, quality, yield, and low volatility all sit in the 40–60% “market-like” band. Factors are like underlying traits—such as cheapness, trend strength, or stability—that research shows can influence returns over time. A neutral profile means the portfolio behaves broadly like a broad market index from a factor standpoint, despite its tech and US biases. It is not strongly tilted toward classic value, defensive low-volatility, or high-yield characteristics, nor is it heavily skewed toward small-cap or extreme momentum. That balance helps performance be less tied to any single style cycle, even though sector and geography still introduce distinct tilts.
Risk contribution
-
Invesco S&P 500® Momentum ETF
Weight: 40.00% 40.8% -
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 40.00% 37.2% -
VanEck Semiconductor ETF
Weight: 10.00% 14.8% -
Schwab U.S. Dividend Equity ETF
Weight: 10.00% 7.2%
Risk contribution shows how much each ETF drives the ups and downs of the whole portfolio, which can differ from simple weights. Here, the two 40% core funds together contribute around 78% of total risk, roughly in line with their size. The 10% semiconductor ETF contributes about 15% of risk, meaning it is more volatile than its weight alone suggests—like a loud instrument in an otherwise balanced orchestra. The dividend ETF, also 10%, contributes only about 7% of risk, acting as a relatively calmer component. Overall, the top three holdings drive over 92% of portfolio risk, reflecting meaningful but not extreme concentration in a small set of building blocks.
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 efficient frontier chart, the current portfolio sits below the best achievable curve using these same four ETFs. The Sharpe ratio—a measure of return per unit of risk above the risk-free rate—is 0.87 for the current mix, compared with 1.16 for the optimal combination and 0.88 for the minimum-variance blend. Being below the frontier at its risk level means that, in theory, a different weighting of these same holdings could offer higher expected return for the same volatility. The distance is not massive (about 1.56 percentage points of return), so the allocation is reasonably efficient, but not fully maximized in risk-adjusted terms according to this historical-based model.
Dividends
- Schwab U.S. Dividend Equity ETF 3.20%
- VanEck Semiconductor ETF 0.20%
- Invesco S&P 500® Momentum ETF 0.70%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Weighted yield (per year) 1.02%
The portfolio’s overall dividend yield is about 1.02%, lower than many income-focused strategies. Most of the yield comes from the Schwab dividend ETF at roughly 3.2%, while the semiconductor and momentum funds pay relatively little and the total-market ETF sits around 1%. Dividends can provide a steady stream of cash returns and help smooth the ride during flat or choppy markets, but here they are a secondary feature rather than a primary driver. This profile is consistent with a growth-oriented equity mix that emphasizes capital appreciation, particularly through technology and momentum exposures, rather than maximizing ongoing cash payouts.
Ongoing product costs
- Schwab U.S. Dividend Equity ETF 0.06%
- VanEck Semiconductor ETF 0.35%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.10%
Annual costs, measured by the total expense ratio (TER), are impressively low at around 0.10% for the combined portfolio. Individual fund fees range from 0.03% for the total-market ETF up to 0.35% for the semiconductor ETF, with the momentum and dividend funds in between. Low ongoing costs matter because they come out every year, regardless of market performance, and they compound over time. Relative to many actively managed or higher-fee thematic products, this fee level is very cost-efficient. That efficient cost structure supports better long-term net returns, leaving more of the portfolio’s underlying performance in the investor’s pocket rather than going to fund managers.
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