Growth tilted stock only portfolio with strong value and quality tilts and tech emphasis

Report created on Apr 16, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

This portfolio is a pure equity mix built entirely from ETFs, with no bonds or cash buffer. Around a quarter is in a broad US large‑cap index, backed by a sizeable slice in a balanced “core” US fund, plus meaningful allocations to US and international small‑cap value and a specialist semiconductor fund. The NASDAQ 100 and a quality dividend ETF add a clear growth and quality flavor. A 100% stock allocation is powerful for long‑term compounding but can be bumpy over shorter periods. For someone with many years ahead, this kind of structure can make sense, but it usually pairs best with a clear plan for handling volatility and potential drawdowns without panic selling.

Growth Info

Historically, $1,000 grew to $1,696 over roughly 2.5 years, a compound annual growth rate (CAGR) of 24.66%. CAGR is like average speed on a road trip, smoothing out the ups and downs. This beat both the US and global market benchmarks by just over 2 percentage points a year, which is a strong result over this short window. Max drawdown, the worst peak‑to‑trough fall, was -19.5%, similar to the benchmarks, and it took about three months to recover. That’s a reminder that strong returns came with real swings. Past performance is no guarantee, so it’s safer to treat these results as one data point, not a promise of what lies ahead.

Projection Info

The Monte Carlo projection uses historical return and volatility patterns to “roll the dice” 1,000 times and see a range of 15‑year outcomes. Median growth of $1,000 to about $2,664 implies roughly 7.9% annualized, which is reasonable for an all‑equity mix. The central “likely” band runs from about $1,747 to $4,140, and even the pessimistic 5th percentile still preserves nominal capital. These ranges show that outcomes can differ a lot despite identical starting conditions. Simulations don’t foresee future regime changes, though, so they’re more like weather models based on past storms than certainties. Key takeaway: the mix has good long‑term growth potential but with a wide dispersion of possible paths.

Asset classes Info

  • Stocks
    100%

All assets here are stocks, with no bonds, cash, or alternatives. That means there’s full exposure to equity market upside and downside, with nothing to cushion sharp falls. For comparison, a typical “balanced” mix often holds a meaningful slice of high‑quality bonds to dampen volatility and smooth returns. The upside of a 100% equity allocation is higher expected long‑run returns; the downside is steeper drawdowns and more emotional pressure during bear markets. For someone with a long horizon and stable income, this can be fine, but it relies heavily on the ability to stay invested through big drops rather than reacting to short‑term noise.

Sectors Info

  • Technology
    25%
  • Financials
    15%
  • Consumer Discretionary
    13%
  • Industrials
    12%
  • Energy
    8%
  • Telecommunications
    7%
  • Health Care
    7%
  • Consumer Staples
    6%
  • Basic Materials
    5%
  • Utilities
    1%
  • Real Estate
    1%

Sector exposure is fairly diversified, but with clear tilts. Technology stands out at 25%, boosted by NASDAQ 100 and semiconductor allocations, while financials, consumer discretionary, and industrials each hold solid middle‑tier weights. Defensives like utilities and real estate are minimal at around 1% each, meaning there’s less ballast if markets rotate toward safer areas. Tech‑heavy portfolios often shine when growth is in favor and interest rates are stable or falling, but they can be hit harder when rates rise or when investors rotate into cheaper, more cyclical parts of the market. The overall sector mix balances growth and cyclicality, but it’s definitely not “defensive.”

Regions Info

  • North America
    84%
  • Europe Developed
    9%
  • Japan
    4%
  • Australasia
    1%
  • Asia Developed
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, the portfolio is strongly anchored in North America at 84%, with modest exposure to developed Europe and Japan and tiny slices elsewhere. That’s more US‑tilted than a typical global market index, which usually has a noticeably larger share in non‑US equities. This bias has helped over the last decade, as US markets and large US tech firms have outperformed many regions. The trade‑off is higher dependence on a single economy, currency, and policy environment. If non‑US markets go through a long stretch of catch‑up performance, a US‑heavy portfolio might lag. The existing international allocations are a good start but still secondary in overall influence.

Market capitalization Info

  • Mid-cap
    27%
  • Mega-cap
    25%
  • Large-cap
    23%
  • Small-cap
    16%
  • Micro-cap
    8%

Market‑cap exposure is nicely spread: mid‑caps lead at 27%, with mega and large caps close behind, and meaningful allocations to small and even micro caps. This is more size‑diversified than many portfolios that cluster in mega/large names. Smaller companies often carry higher risk and volatility but can offer stronger long‑term growth if they execute well. Larger names tend to be more stable and more closely tied to broad indices. Having all buckets represented can smooth performance across different market cycles, but it also means living with more volatility than a pure large‑cap index, especially during periods when smaller companies come under pressure.

True holdings Info

  • NVIDIA Corporation
    4.08%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco PHLX Semiconductor ETF
    • Vanguard S&P 500 ETF
    • WisdomTree U.S. Quality Dividend Growth Fund
  • Apple Inc
    2.93%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
    • WisdomTree U.S. Quality Dividend Growth Fund
  • Microsoft Corporation
    2.26%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
    • WisdomTree U.S. Quality Dividend Growth Fund
  • Broadcom Inc
    1.51%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco PHLX Semiconductor ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    1.39%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
    • WisdomTree U.S. Quality Dividend Growth Fund
  • Amazon.com Inc
    1.36%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Meta Platforms Inc.
    1.31%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
    • WisdomTree U.S. Quality Dividend Growth Fund
  • Alphabet Inc Class C
    1.21%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
    • WisdomTree U.S. Quality Dividend Growth Fund
  • Tesla Inc
    0.82%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
  • Micron Technology Inc
    0.39%
    Part of fund(s):
    • Invesco PHLX Semiconductor ETF
  • Top 10 total 17.25%

Looking through ETF top‑10 holdings, a lot of the visible risk is tied to a handful of mega‑cap US growth names, led by NVIDIA, Apple, Microsoft, Broadcom, Alphabet, Amazon, Meta, Tesla, and Micron. NVIDIA alone shows up as just over 4% of the portfolio via multiple funds, with the rest of the “Magnificent Seven” style names adding further overlap. Because this only covers around a quarter of the total portfolio, real overlap is likely higher. Hidden concentration like this can make returns more sensitive to how a few big companies perform, even if individual ETF weights look modest. It’s not bad per se, but it’s useful to be consciously comfortable with that dependency.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 90%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 83%
Quality
Preference for financially healthy companies
High
Data availability: 83%
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 exposure shows clear tilts toward value (64%) and quality (60%), with size, momentum, yield, and low volatility all around neutral. In this context, “factors” are characteristics like cheapness, profitability, or recent trend that research links to long‑term returns. A value tilt means overweighting stocks priced lower relative to fundamentals, which can help when markets rotate away from expensive growth names. The quality tilt points toward profitable, resilient businesses that often hold up better in downturns. Together, this blend can act as a nice counterweight to the obvious growth exposure from NASDAQ 100 and semiconductors, making the overall profile more balanced than it first appears.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 25.00%
    22.5%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 16.00%
    18.9%
  • American Century ETF Trust
    Weight: 17.00%
    17.7%
  • Invesco NASDAQ 100 ETF
    Weight: 10.00%
    11.0%
  • Invesco PHLX Semiconductor ETF
    Weight: 5.00%
    9.4%
  • Top 5 risk contribution 79.5%

Risk contribution shows how much each holding drives total portfolio volatility, which can differ from its weight. The S&P 500 ETF is 25% of the portfolio but only 22.5% of risk, acting as a relatively steady core. Avantis US Small Cap Value and the American Century fund together add over a third of total risk, broadly in line with their weights. The standout is the semiconductor ETF: at just 5% weight it contributes about 9.4% of risk, almost double its share. That’s the classic sign of a high‑octane sleeve. If that level of “spice” feels high, trimming or pairing it mentally with a long holding period can help match expectations.

Redundant positions Info

  • Avantis® International Equity ETF
    Avantis® International Small Cap Value ETF
    High correlation
  • Avantis® U.S. Small Cap Value ETF
    American Century ETF Trust
    High correlation
  • WisdomTree U.S. Quality Dividend Growth Fund
    Invesco NASDAQ 100 ETF
    Vanguard S&P 500 ETF
    High correlation

Several holdings move very closely together, meaning diversification is a bit less than the number of tickers suggests. The US small‑cap value ETF and American Century fund are highly correlated, so they’ll tend to rise and fall together. The S&P 500 ETF lines up closely with both the quality dividend fund and the NASDAQ 100, reflecting heavy overlap in big US growth names. Similarly, the two international Avantis funds track each other tightly. High correlation isn’t inherently bad, but when many pieces dance to the same tune, downturns can feel more synchronized. Real diversification usually means mixing assets that don’t always move in lockstep.

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 risk‑return chart, the current portfolio has a Sharpe ratio of 1.19, measuring excess return per unit of risk. The “optimal” mix using just these ETFs could reach a Sharpe of 1.86 at similar risk, while the minimum‑variance mix would lower risk with a still‑solid Sharpe of 1.34. Because the current allocation sits about 8 percentage points below the efficient frontier, there’s room to improve the risk/return trade‑off just by reweighting existing holdings, not adding new ones. That’s actually encouraging: the building blocks are strong, but a more fine‑tuned balance between the core index, factor tilts, and high‑volatility sleeves could squeeze more reward from the same overall risk.

Dividends Info

  • Avantis® International Equity ETF 2.50%
  • Avantis® International Small Cap Value ETF 2.80%
  • Avantis® U.S. Small Cap Value ETF 1.30%
  • WisdomTree U.S. Quality Dividend Growth Fund 1.40%
  • Invesco NASDAQ 100 ETF 0.50%
  • Invesco PHLX Semiconductor ETF 0.40%
  • Vanguard S&P 500 ETF 1.10%
  • American Century ETF Trust 1.10%
  • Weighted yield (per year) 1.33%

Overall dividend yield sits around 1.33%, on the lower side for an equity portfolio but consistent with a growth‑oriented, US‑tilted approach. The international value funds contribute the highest yields, while the NASDAQ 100 and semiconductor ETF pay very little, as many of those companies reinvest profits instead of paying them out. Dividends can be a useful source of steady cash flow, especially in retirement or for investors seeking regular income. Here, income is more of a side effect than a primary feature; the main driver of returns is expected capital growth. That’s perfectly fine as long as the plan doesn’t rely on large, predictable cash payouts.

Ongoing product costs Info

  • Avantis® International Equity ETF 0.23%
  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • WisdomTree U.S. Quality Dividend Growth Fund 0.28%
  • Invesco NASDAQ 100 ETF 0.15%
  • Invesco PHLX Semiconductor ETF 0.19%
  • Vanguard S&P 500 ETF 0.03%
  • American Century ETF Trust 0.20%
  • Weighted costs total (per year) 0.18%

The blended ongoing fee (TER) of about 0.18% is impressively low for a portfolio combining broad market, factor, and specialist ETFs. Many investors pay two to three times that for similar exposure. Lower costs matter because they come off returns every single year; saving even a few tenths of a percent can add up to a meaningful difference over decades, like a small drag on a car’s fuel efficiency. Here, the ultra‑cheap S&P 500 ETF anchors costs, while the more specialized Avantis and semiconductor funds are still reasonably priced for what they do. Cost efficiency is clearly a strong point and supports long‑term performance.

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