Growth focused portfolio with strong Nasdaq tilt and moderate diversification across size and geography
Report created on Apr 13, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 60.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 20.00% -
BR Berkshire Hathaway Inc
BRK-B - US0846707026 10.00% -
KB Invesco KBW Property & Casualty Insurance ETF
KBWP - US73936Q7777 10.00%
The portfolio is heavily tilted toward one growth engine: a 60% allocation to a Nasdaq 100 ETF. Around this core, there is a 20% slice in international small-cap value stocks, 10% in Berkshire Hathaway, and 10% in an insurance-focused ETF. So it’s 100% in equities with no bonds or cash buffers. That structure makes the portfolio clearly growth-oriented, with some stabilizing influence from Berkshire and insurance, plus a value tilt overseas. For someone in the “balanced” bucket, this is actually quite equity-heavy, meaning bigger short-term swings in exchange for higher long-term return potential.
Growth
Historically, $1,000 grew to about $2,200 over the period, giving a compound annual growth rate (CAGR) of 15.55%. CAGR is just the “average yearly speed” of growth over time. That beat both the US market (13.86%) and global market (11.96%), which is a clear positive and shows the growth tilt has paid off so far. The trade-off is a max drawdown of -27.04%, slightly worse than the US market. Max drawdown is the worst peak-to-trough fall; this highlights that strong upside came with meaningful temporary pain, which may or may not fit a truly balanced temperament.
Projection
The Monte Carlo projection runs 1,000 simulations using past volatility and returns to estimate many possible 15-year paths. Think of it as rolling the dice on markets again and again to see a range of outcomes, not a single forecast. The median outcome turns $1,000 into about $2,733, with a pretty wide “likely” band from roughly $1,827 to $4,353. There’s about a 75% chance of finishing ahead in real terms, which is encouraging. But the bottom 5% of paths end near where you started, reminding you that even with a strong expected return, nothing is guaranteed.
Asset classes
- Stocks 100%
All of the portfolio sits in stocks, with zero allocation to bonds, cash, or alternative assets. That’s unusual for a “balanced” risk profile, where some stabilizing assets typically cushion equity drawdowns. Equities are the main long-term growth engine, but they also drive most portfolio volatility and can fall sharply in recessions or rate shocks. Having everything in one asset class means returns will be closely tied to stock market cycles. For an investor truly needing smoother rides or near-term withdrawals, adding other asset types could be a way to moderate the experience over time.
Sectors
- Technology 32%
- Financials 23%
- Consumer Discretionary 10%
- Telecommunications 10%
- Industrials 7%
- Consumer Staples 6%
- Basic Materials 5%
- Health Care 3%
- Energy 2%
- Utilities 1%
Sector exposure is dominated by technology at 32%, with financials next at 23% and smaller allocations elsewhere. This tech weight is well above broad-market norms, which usually sit closer to the low-to-mid 20s. A high tech share often helps in growth-driven, low-rate environments but can be more sensitive when interest rates rise or when sentiment turns against high-growth names. On the positive side, financials and other sectors provide some diversification, so it’s not a pure tech bet. Overall, though, a lot of the ride will be dictated by how large tech and related industries perform.
Regions
- North America 80%
- Europe Developed 9%
- Japan 7%
- Australasia 2%
- Africa/Middle East 1%
- Asia Developed 1%
Geographically, about 80% is in North America, with modest exposure to developed Europe and Japan and very small slices elsewhere. That’s a meaningful home-country tilt relative to global benchmarks, where North America is big but not usually this dominant. This has been a tailwind over the last decade because US markets, especially tech, outperformed many regions. The flip side is that economic, political, or regulatory shocks in the US could impact most of the portfolio at once. The international small-cap value fund helps, but global diversification is still moderate rather than broad.
Market capitalization
- Mega-cap 41%
- Large-cap 24%
- Mid-cap 23%
- Small-cap 10%
- Micro-cap 1%
Market-cap exposure leans heavily toward mega-caps (41%) and large-caps (24%), with mid- and small-caps making up the rest. That’s consistent with the Nasdaq 100 and Berkshire, both focused on big, established companies. Bigger firms often bring more liquidity and business resilience, which can be helpful in downturns. The 10% in small-caps and some mid-cap exposure introduce a bit of extra growth and diversification, especially internationally. Overall, this profile is fairly close to a traditional large-cap-dominated equity portfolio, but with a slight twist from the international small-cap value sleeve.
True holdings
-
-
NV NVIDIA Corporation 5.19%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AA Apple Inc 4.44%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
MS Microsoft Corporation 3.22%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AM Amazon.com Inc 2.91%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
GO Alphabet Inc Class A 2.15%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
ME Meta Platforms Inc. 2.15%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
WM Walmart Inc. Common Stock 2.02%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
TS Tesla Inc 2.00%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
-
GO Alphabet Inc Class C 2.00%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 36.08%
Looking through the ETFs, a lot of risk is indirectly tied to the same big names: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, and Tesla all appear via the Nasdaq 100. Berkshire is also a direct 10% position on top. This overlap creates hidden concentration in a handful of mega-cap US companies, even though they are held via different vehicles. Because only ETF top-10 holdings are captured, the true overlap is probably a bit higher. The key point: although there are several tickers, the economic exposure leans heavily on a small group of tech and large US firms.
Factors
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 is broadly neutral: value, momentum, quality, yield, and low volatility all sit in the 40–60% “market-like” zone. Factor exposure simply measures how much your holdings lean toward characteristics like cheapness (value) or stability (low volatility) that research has linked to long-term returns. Here, nothing stands out as an aggressive tilt. That means performance is mainly driven by broad market moves and stock selection inside the funds, not by a strong factor bet. This is actually a solid, middle-of-the-road structure for someone who doesn’t want to make big style calls.
Risk contribution
-
Invesco NASDAQ 100 ETF
Weight: 60.00% 73.1% -
Avantis® International Small Cap Value ETF
Weight: 20.00% 15.5% -
Berkshire Hathaway Inc
Weight: 10.00% 6.1% -
Invesco KBW Property & Casualty Insurance ETF
Weight: 10.00% 5.3%
Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ from its weight. The Nasdaq 100 ETF is 60% of the capital but contributes over 73% of the total risk, meaning it dominates the ride. The other three positions, while not tiny, have lower risk/weight ratios and together account for only about a quarter of the volatility. When one position drives most of the risk, portfolio behavior ends up looking very similar to that single holding. Rebalancing or modestly resizing the core ETF could spread risk more evenly without changing the lineup.
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 mix sits below the best achievable line for these same holdings. The Sharpe ratio of about 0.71 is clearly below the 1.1 range for both the optimal and minimum-variance portfolios. Sharpe ratio is just return per unit of risk, like miles per gallon for your investing “engine.” The model suggests you could get higher expected returns with lower risk simply by reweighting what you already own, without adding new funds. That’s good news: the building blocks are strong, but the balance between them could be tuned for a smoother, more efficient ride.
Dividends
- Avantis® International Small Cap Value ETF 2.80%
- Invesco KBW Property & Casualty Insurance ETF 2.00%
- Invesco NASDAQ 100 ETF 0.50%
- Weighted yield (per year) 1.06%
The overall dividend yield is about 1.06%, which is quite modest and below what many income-focused portfolios aim for. Yield simply measures how much cash you receive annually as a percentage of your investment value. The Avantis international small-cap value ETF and the insurance ETF offer decent yields around 2–3%, but the Nasdaq 100 is very low-yielding, pulling the average down. This setup is more about capital growth than regular cash flow. It suits investors who are happy to reinvest gains and don’t rely on dividends to fund spending in the near term.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Invesco KBW Property & Casualty Insurance ETF 0.35%
- Invesco NASDAQ 100 ETF 0.15%
- Weighted costs total (per year) 0.20%
Total ongoing fund costs (TER) are around 0.20%, which is impressively low for an active-tilted, globally diversified equity mix. TER, or total expense ratio, is the annual fee taken by funds as a percentage of assets. Keeping this number down is one of the few things fully in an investor’s control, and it compounds meaningfully over decades. Here, the cost structure is a real strength: you’re getting exposure to large-cap growth, international small-cap value, and a sector ETF without paying premium pricing. That’s a solid foundation for long-term net performance.
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