Growth oriented portfolio with strong US tilt and concentrated technology leadership exposure
Report created on Mar 19, 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.
What type of investor this portfolio is suitable for
Growth Investors
An investor who fits this style is typically comfortable with significant market swings and is focused on long-term growth rather than short-term stability or income. They might be saving for goals many years away, like retirement or generational wealth building, and can tolerate large temporary drawdowns without panicking. A strong preference for US markets and leading technology companies is common, along with trust in broad index funds. This type of investor usually values simplicity, low costs, and evidence-based strategies, and is willing to accept concentrated exposure in dominant sectors in exchange for the potential of higher long-run returns.
Positions
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iShares Core S&P Total U.S. Stock Market ETF
ITOT - US4642871507 76.59% -
Fidelity® MSCI Information Technology Index ETF
FTEC - US3160928087 13.40% -
iShares Core MSCI Total International Stock ETF
IXUS - US46432F8344 5.26% -
Amazon.com Inc
AMZN - US0231351067 3.21% -
FIDELITY ZERO INTERNATIONAL INDEX FUND
FZILX - US31635T6091 1.54%
The portfolio is almost entirely in stocks, with roughly three quarters in a broad US total market ETF and a sizable extra slice in a dedicated technology ETF. A smaller portion goes to international stocks and a single large US growth stock. This structure makes it a straightforward, equity-only growth portfolio anchored in broad indexes, with a deliberate tilt toward tech and mega-cap leaders. That mix matters because a broad core holding helps spread risk, while targeted tilts can boost or reduce volatility depending on market conditions. The main takeaway is that this setup is built for capital growth rather than stability, and short-term swings are a natural part of the ride.
Growth
Historically, the portfolio has delivered a compound annual growth rate (CAGR) of 14.93%, which is very strong for an all-equity mix. CAGR is the “average yearly speed” of growth over time, smoothing out ups and downs. The max drawdown of about -33.7% shows how much it has fallen from peak to trough in rough markets, which is significant but normal for a growth-oriented equity portfolio. The fact that 90% of returns came from only 21 days highlights how missing a few strong days can dramatically hurt results. This history is encouraging, but it’s important to remember that past performance doesn’t guarantee similar results going forward.
Projection
The Monte Carlo analysis uses many random “what if” paths based on historical behavior to estimate a range of future outcomes. With 1,000 simulations, about 96% ended with positive returns, and the average simulated annual return was around 15.4%. The 5th percentile outcome of roughly 12.6% total growth is modest, while the median and upper ranges are very strong. These numbers illustrate the wide spread of possibilities that comes with a growth-heavy equity portfolio. Monte Carlo results are useful for understanding risk, but they still lean on past data and assumptions, so they shouldn’t be seen as a promise of future performance.
Asset classes
- Stocks 100%
All investable assets here are in stocks, with no bonds, cash, or alternatives included. That kind of 100% equity allocation is typical of a growth profile and can work well over long horizons, but it also means the portfolio will move sharply with stock markets, both up and down. Relative to more mixed portfolios that include bonds or cash, this structure sacrifices short-term stability for higher expected long-term returns. The key implication is that this setup suits someone comfortable with volatility who doesn’t need to draw heavily on the portfolio during market downturns and can stay invested through big swings.
Sectors
- Technology 39%
- Consumer Discretionary 11%
- Financials 11%
- Industrials 8%
- Health Care 8%
- Telecommunications 8%
- Consumer Staples 4%
- Energy 3%
- Basic Materials 2%
- Utilities 2%
- Real Estate 2%
Sector-wise, technology sits at about 39%, much higher than in broad global benchmarks, with consumer cyclicals and financials next in line. This tech tilt is reinforced by the dedicated technology ETF and the mega-cap growth names in the look-through. Such a heavy exposure can be powerful in periods when innovation and digital trends lead markets, but it can also mean sharper pullbacks when interest rates rise or sentiment turns against high-growth companies. The more modest allocations to areas like healthcare, industrials, and defensives help somewhat, but the portfolio’s behavior will still be dominated by how tech and growth sectors perform.
Regions
- North America 93%
- Europe Developed 3%
- Japan 1%
- Asia Developed 1%
- Asia Emerging 1%
Geographically, roughly 93% of the portfolio is in North America, with only small slices in developed Europe, Japan, and other international regions. That’s an even stronger US tilt than many global benchmarks, which usually have far more non-US exposure. This can be a positive if US markets and the dollar continue to outperform, as they have in recent years, but it also ties the portfolio’s fortunes closely to one economy and policy environment. A smaller international stake means less diversification by currency, regulation, and economic cycle, so any investor using this mix is making a clear bet on US leadership.
Market capitalization
- Mega-cap 46%
- Large-cap 29%
- Mid-cap 17%
- Small-cap 6%
- Micro-cap 2%
The allocation heavily favors large companies, with about 46% in mega caps and another 29% in big caps. Mid caps, small caps, and micro caps together make up a relatively small portion. Large and mega-cap stocks tend to be more stable and liquid than smaller companies, which can soften volatility somewhat despite the growth tilt. However, this also means less exposure to the potential higher long-term growth often found in smaller firms. The structure is broadly aligned with major market indexes, which are naturally dominated by the largest companies, so it is consistent with a mainstream cap-weighted investing approach.
True holdings
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NVIDIA Corporation 7.72%Part of fund(s):
- Fidelity® MSCI Information Technology Index ETF
- iShares Core S&P Total U.S. Stock Market ETF
-
Apple Inc 6.49%Part of fund(s):
- Fidelity® MSCI Information Technology Index ETF
- iShares Core S&P Total U.S. Stock Market ETF
-
Amazon.com Inc 5.68%Part of fund(s):
- iShares Core S&P Total U.S. Stock Market ETF
-
Microsoft Corporation 4.93%Part of fund(s):
- Fidelity® MSCI Information Technology Index ETF
- iShares Core S&P Total U.S. Stock Market ETF
-
Broadcom Inc 2.40%Part of fund(s):
- Fidelity® MSCI Information Technology Index ETF
- iShares Core S&P Total U.S. Stock Market ETF
-
Alphabet Inc Class A 2.13%Part of fund(s):
- iShares Core S&P Total U.S. Stock Market ETF
-
Alphabet Inc Class C 1.70%Part of fund(s):
- iShares Core S&P Total U.S. Stock Market ETF
-
Meta Platforms Inc. 1.60%Part of fund(s):
- iShares Core S&P Total U.S. Stock Market ETF
-
Tesla Inc 1.32%Part of fund(s):
- LS 1x Tesla Tracker ETP Securities GBP
- iShares Core S&P Total U.S. Stock Market ETF
-
Berkshire Hathaway Inc 1.06%Part of fund(s):
- iShares Core S&P Total U.S. Stock Market ETF
- Top 10 total 35.02%
Looking through the ETFs, the portfolio is heavily exposed to a handful of mega-cap US giants, with NVIDIA, Apple, Amazon, Microsoft, and Broadcom leading the list. Amazon is held both directly and via ETFs, giving it a total exposure of 5.68%, which is a notable hidden concentration. Overlap like this means the portfolio may be more tied to the fate of a few big companies than the fund lineup suggests. Because only ETF top-10 holdings are included, true overlap is likely higher. The key takeaway is that single-company risk is meaningful here, even if most exposure comes through diversified funds.
Factors
Factor exposure shows strong tilts toward quality, momentum, and low volatility, with moderate value characteristics and neutral size. Factors are like underlying “traits” of stocks that research has tied to long-term returns. A quality tilt usually means profitable, stable companies; momentum leans into stocks that have been doing well recently; low volatility favors stocks that historically move less. Together, this mix tends to behave well in many environments but can lag if markets suddenly favor deep value, very small companies, or speculative names. Signal coverage is partial, so the picture isn’t perfect, but these dominant tilts align well with many evidence-based strategies.
Risk contribution
-
iShares Core S&P Total U.S. Stock Market ETF
Weight: 76.59% 74.3% -
Fidelity® MSCI Information Technology Index ETF
Weight: 13.40% 16.7% -
iShares Core MSCI Total International Stock ETF
Weight: 5.26% 4.0% -
Amazon.com Inc
Weight: 3.21% 3.8% -
FIDELITY ZERO INTERNATIONAL INDEX FUND
Weight: 1.54% 1.1%
Risk contribution shows how much each position drives the portfolio’s total ups and downs, which can differ from its simple weight. The core US total market ETF, at about 77% weight, contributes roughly 74% of the risk, which is proportionate and healthy. The tech ETF, however, punches above its weight, contributing about 17% of risk from only 13% allocation, reflecting its higher volatility. Amazon also adds slightly more risk than its weight. The top three holdings together drive over 95% of total portfolio risk, showing that adjustments to just these positions would meaningfully change overall risk without needing to overhaul everything else.
Redundant positions
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High correlationFIDELITY ZERO INTERNATIONAL INDEX FUNDiShares Core MSCI Total International Stock ETF
Correlation measures how investments move relative to each other, with 1 meaning they move almost in lockstep. Here, the two international funds are highly correlated, so they tend to rise and fall together, offering little diversification between them. In a largely equity-only portfolio, especially one dominated by broad US and tech exposure, most holdings are likely to be fairly correlated during market stress. That means that when markets drop sharply, this portfolio will probably see most positions fall at the same time. True diversification usually comes from mixing assets that behave differently, not just holding more of the same type.
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.
On the risk–return side, the portfolio is described as being below the efficient frontier, which means it is not getting the best possible expected return for its level of volatility using the current building blocks. The efficient frontier represents the most effective mixes of these same holdings; any point above the current one suggests a better risk/return tradeoff through reweighting. Since the main drivers of risk and return are the core US ETF and the tech ETF, small shifts between them and the international funds could move the portfolio closer to the optimal point. Importantly, this doesn’t require new products, just different sizing.
Dividends
- Fidelity® MSCI Information Technology Index ETF 0.40%
- FIDELITY ZERO INTERNATIONAL INDEX FUND 2.60%
- iShares Core S&P Total U.S. Stock Market ETF 0.90%
- iShares Core MSCI Total International Stock ETF 3.20%
- Weighted yield (per year) 0.95%
The overall dividend yield of about 0.95% is relatively low, which is typical for a growth and tech-tilted portfolio. Dividend yield is the yearly cash payout as a percentage of the investment’s value, and here it’s a small part of total return. Some international holdings and broad market funds offer higher yields, but the heavy focus on US growth and technology keeps the average down. This setup is fine for investors more interested in capital appreciation than income. Anyone seeking meaningful regular cash flow would usually need either higher-yielding stock allocations or additional income-focused asset classes.
Ongoing product costs
- Fidelity® MSCI Information Technology Index ETF 0.08%
- iShares Core S&P Total U.S. Stock Market ETF 0.03%
- iShares Core MSCI Total International Stock ETF 0.07%
- Weighted costs total (per year) 0.04%
The total estimated expense ratio (TER) of around 0.04% is impressively low, thanks to the use of broad, low-cost index ETFs and a zero-fee international index fund. TER is the annual fee charged by funds, and keeping it low means more of the portfolio’s returns stay in the investor’s pocket over time. Over decades, even small fee differences can add up to sizable amounts. This cost structure aligns very well with best practices in long-term investing and supports better compounding. There is little to improve here from a fee perspective; the current lineup is already highly cost-efficient.
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