Focused US stock growth portfolio with strong tech tilt and efficient risk return balance
Report created on Apr 3, 2026Risk 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
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SP SPDR S&P 500 ETF Trust
SPY - US78462F1030 63.00% -
FT Fidelity® MSCI Information Technology Index ETF
FTEC - US3160928087 37.00%
This portfolio is very simple: two US stock ETFs, with about two‑thirds in a broad US index fund and a bit over one‑third in a technology‑focused fund. That means 100% in stocks, all via diversified funds rather than single stocks. Structurally, this leans clearly toward growth, not capital preservation or income. A simple setup like this is easy to monitor and rebalance, but it also means there’s no built‑in cushion from bonds or cash. The main takeaway is that this structure suits someone who can handle stock market swings in pursuit of higher long‑term growth and who doesn’t need short‑term stability from this money.
Growth
Historically, $1,000 invested here in 2016 grew to about $4,801, with a compound annual growth rate (CAGR) of 17.06%. CAGR is like your “average speed” over the whole trip, smoothing out bumps along the way. That’s comfortably ahead of both the US and global market benchmarks, which is a strong outcome. The worst peak‑to‑trough drop was about -33%, similar to the US market, and it recovered within a few months. This shows the portfolio has earned its higher returns by taking equity‑level risk, not by avoiding drawdowns. Past performance does not guarantee future results, but it does show that the growth tilt has been rewarded in this period.
Projection
The Monte Carlo projection uses past volatility and returns to run 1,000 random “what if” paths for the next 15 years. It shows a median outcome of about $2,783 from $1,000, with a wide but reasonable range from roughly $937 at the low end (5th percentile) to $7,432 at the high end (95th percentile). That corresponds to an average simulated annual return of about 8%, with roughly three‑quarters of simulations ending positive. Monte Carlo is a tool, not a crystal ball: it assumes the future behaves statistically like the past, which may not hold. Still, it’s useful for showing that outcomes can vary a lot, even when the long‑term expectation is positive.
Asset classes
- Stocks 100%
All of this money is in stocks, with 0% in bonds, cash, or alternatives. Stocks historically offer higher growth potential but also larger and more frequent drawdowns. Being 100% in equities means the portfolio fully rides the market’s ups and downs, with no natural buffer from safer assets. For someone early in their wealth‑building journey or with a long horizon, this can be reasonable, especially if there’s emergency cash elsewhere. The key takeaway is that this setup assumes the investor can handle both the mental stress and practical impact of stock market declines without needing to sell at bad times.
Sectors
- Technology 58%
- Financials 8%
- Telecommunications 7%
- Consumer Discretionary 6%
- Health Care 6%
- Industrials 6%
- Consumer Staples 3%
- Energy 2%
- Utilities 2%
- Real Estate 1%
- Basic Materials 1%
Sector exposure is very tech‑heavy, with about 58% in technology, and the rest spread across financials, telecom, consumer discretionary, health care, industrials, and smaller slices in other areas. A global “market‑like” portfolio would usually have a much lower tech weight and more balance between sectors. Tech‑heavy portfolios often do very well in growth and innovation cycles but can be hit hard when interest rates rise or investors rotate into more defensive or value‑oriented areas. The positive here is clear growth orientation; the trade‑off is higher sector‑specific risk. Understanding that tilt makes it easier to stay calm if tech goes through a rough patch.
Regions
- North America 99%
Geographically, this portfolio is almost entirely in North America, at around 99%. The US has been a strong performer for the past decade, and US markets are deep, liquid, and well‑regulated, which is a plus. But the rest of the world still makes up a big chunk of global economic and stock market activity. Heavy US concentration means returns are closely tied to one economy, one currency, and one policy environment. That can work very well at times, but it does limit diversification benefits you might get from other regions behaving differently. It’s a conscious bet on continued US strength rather than a neutral global stance.
Market capitalization
- Mega-cap 48%
- Large-cap 31%
- Mid-cap 15%
- Small-cap 4%
- Micro-cap 1%
Market‑cap exposure is dominated by mega‑ and large‑cap companies, with nearly 80% in those biggest firms, and the rest in mid‑, small‑, and micro‑caps. This mirrors broad US benchmarks reasonably well and helps keep risk more manageable, since mega‑caps tend to be more established and somewhat less volatile than tiny companies. Smaller caps, while more volatile, can offer higher growth during favorable periods; here they play a supporting role rather than driving the bus. The upside of this spread is a stable core with a bit of extra growth potential at the edges, without pushing too far into speculative territory.
True holdings
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NV NVIDIA Corporation 11.47%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
- SPDR S&P 500 ETF Trust
-
AA Apple Inc 9.76%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
- SPDR S&P 500 ETF Trust
-
MS Microsoft Corporation 6.96%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
- SPDR S&P 500 ETF Trust
-
AV Broadcom Inc 3.35%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
- SPDR S&P 500 ETF Trust
-
AM Amazon.com Inc 2.29%
Part of fund(s):- SPDR S&P 500 ETF Trust
-
GO Alphabet Inc Class A 1.96%
Part of fund(s):- SPDR S&P 500 ETF Trust
-
GO Alphabet Inc Class C 1.56%
Part of fund(s):- SPDR S&P 500 ETF Trust
-
ME Meta Platforms Inc. 1.47%
Part of fund(s):- SPDR S&P 500 ETF Trust
-
TS Tesla Inc 1.19%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- SPDR S&P 500 ETF Trust
-
BR Berkshire Hathaway Inc 0.98%
Part of fund(s):- SPDR S&P 500 ETF Trust
- Top 10 total 41.00%
Looking through the ETFs, the biggest underlying exposures are familiar mega‑cap names like NVIDIA, Apple, Microsoft, Broadcom, Amazon, Alphabet, Meta, Tesla, and Berkshire Hathaway. Several of these appear in both the broad market ETF and the tech ETF, so the same companies get amplified in the combined portfolio. That “hidden” overlap boosts dependence on a handful of large tech‑driven firms, even though everything is held via diversified funds. This isn’t necessarily bad, but it means the portfolio’s fate is strongly tied to how these few giants perform. If they have a rough stretch, returns could lag even if the broader market does fine.
Factors
Factor exposure is quite balanced overall. Most factors — size, momentum, quality, yield, and low volatility — sit around neutral, meaning the portfolio behaves broadly like the broader market in those dimensions. The one notable tilt is value, which is mildly low, reflecting a preference for more expensive, growth‑oriented companies rather than “cheap” value names. Factor investing is basically a way of describing what characteristics drive returns; here, the main message is that the portfolio is a straightforward growth equity exposure rather than a specialized factor bet. That balance can be helpful because it avoids overreliance on any single academic return driver.
Risk contribution
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SPDR S&P 500 ETF Trust
Weight: 63.00% 55.6% -
Fidelity® MSCI Information Technology Index ETF
Weight: 37.00% 44.4%
Risk contribution shows how much each holding drives overall portfolio ups and downs. Even though the broad US ETF is 63% of the weight, it contributes about 56% of total risk, so it’s slightly less risky per dollar than the portfolio average. The tech ETF is 37% of the weight but contributes roughly 44% of the risk, meaning each dollar there pulls more on volatility. That’s consistent with tech being more volatile. This pattern is normal for a growth‑tilted mix, but it does mean changes in the tech ETF will be felt strongly. Adjusting the balance between the two funds would be the main lever for dialing risk up or down.
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 mix sits right on or very close to the efficient frontier. The efficient frontier represents the best possible return for each risk level using only the existing holdings in different weights. The current Sharpe ratio — a measure of return per unit of risk — is 0.67, while the maximum possible with these two funds is 0.86 at slightly higher risk, and the minimum‑variance mix is safer with a Sharpe of 0.76. The key point: within this simple two‑ETF setup, the current allocation is already efficient for its chosen risk level, which is a reassuring sign of a well‑constructed growth portfolio.
Dividends
- Fidelity® MSCI Information Technology Index ETF 0.40%
- SPDR S&P 500 ETF Trust 0.90%
- Weighted yield (per year) 0.72%
The portfolio’s overall dividend yield is modest, around 0.72%, with the tech ETF at about 0.40% and the broad US ETF at about 0.90%. That’s lower than many income‑focused portfolios, which is typical for growth‑oriented strategies and technology exposure. Dividends can provide a small, steady return stream and help cushion downturns slightly, but here they’re clearly secondary to capital appreciation. This setup suits someone who doesn’t rely on portfolio income today and is more interested in reinvesting gains to grow wealth over time. It also means total return will depend largely on price movements, not cash payouts.
Ongoing product costs
- Fidelity® MSCI Information Technology Index ETF 0.08%
- SPDR S&P 500 ETF Trust 0.10%
- Weighted costs total (per year) 0.09%
The total expense ratio (TER) across both ETFs is very low at about 0.09% per year. TER is the annual fee charged by funds, quietly deducted inside the ETF; lower is generally better because it leaves more of the return in your pocket. For context, many actively managed funds charge 0.5–1% or more. These rock‑bottom costs are a real strength: over long periods, even small fee differences compound into meaningful dollar amounts. This allocation is well‑aligned with best practices on fees, and the low costs support better long‑term performance without requiring any extra effort from the investor.
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