High growth tech tilted portfolio with strong quality bias and powerful recent outperformance

Report created on May 31, 2024

Risk profile Info

6/7
Aggressive
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is heavily equity-driven, with 94% in stocks, 4% in bonds, and a small unclassified slice. A single stock, NVIDIA at 22.25%, is the standout position, followed by sizeable allocations to income-focused and broad-market ETFs. This mix blends concentrated growth bets with diversified baskets and some dividend and options-income strategies. Structurally, it leans toward an aggressive growth profile with a bit of built-in income and a modest stabilizer from bonds. For someone comfortable with big swings, this layout makes sense, but the single-stock weight means portfolio outcomes will be very tied to that one company’s fortunes, especially over shorter timeframes.

Growth Info

From May 2022 to March 2026, $1,000 grew to about $3,138, implying a 34.27% compound annual growth rate (CAGR). CAGR is like your average yearly “speed” over the whole journey, smoothing out bumps. That crushes both the US market (12.17% CAGR) and global market (11.45% CAGR), though it came with a max drawdown of -28.57% versus about -18% for the benchmarks. Drawdown is the worst peak‑to‑trough drop. The outsized gains show the power of the growth tilt, but also the risk: this level of outperformance usually comes from concentrated exposures that can reverse quickly, so it’s wise not to assume this pace continues.

Asset classes Info

  • Stocks
    94%
  • Bonds
    4%
  • Not classified
    2%

Asset‑class wise, the portfolio is almost all equities, with just 4% in bonds and 2% unclassified. Compared with a typical diversified long‑term mix, this is clearly on the aggressive side and deliberately light on ballast. Equities historically drive higher long‑term returns but also bigger drawdowns, while bonds usually act as shock absorbers during equity sell‑offs. Here, the small allocations to Treasuries and global bonds provide only a thin cushion if markets turn. For someone with a long horizon and strong risk tolerance this can be acceptable, but it means short‑term portfolio value is highly exposed to equity market cycles and sentiment swings.

Sectors Info

  • Technology
    55%
  • Health Care
    9%
  • Financials
    5%
  • Consumer Discretionary
    5%
  • Consumer Staples
    5%
  • Industrials
    5%
  • Telecommunications
    5%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%
  • Basic Materials
    1%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is dominated by technology at 55%, with the rest spread relatively evenly across other areas like health care, financials, and various defensives. A tech-heavy profile often shines in periods of innovation and low or falling interest rates but can be hit harder when rates rise or when growth expectations reset. The non‑tech slices are decently distributed, which helps, but they’re relatively small compared with the tech block. This setup is great if the tech leadership story continues, yet it creates meaningful downside sensitivity if that sector de-rates or if investors rotate sharply toward more cyclical or value‑oriented parts of the market.

Regions Info

  • North America
    89%
  • Asia Emerging
    6%
  • Europe Developed
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 89% is in North America, 6% in emerging Asia, and a small piece in developed Europe. Compared with global benchmarks, this is a strong home‑country and US‑centric tilt. That’s been beneficial in recent years as US large‑cap growth has led the world. The flip side is higher vulnerability if US markets stumble or if leadership shifts toward other regions. The emerging Asia allocation, largely via a major semiconductor name, does add some global growth exposure, but it’s not broad. This alignment with US benchmarks is reassuring for familiarity and stability, while still leaving room to expand international diversification if desired.

Market capitalization Info

  • Mega-cap
    54%
  • Large-cap
    27%
  • Mid-cap
    10%
  • Small-cap
    1%

This breakdown covers the equity portion of your portfolio only.

Market‑cap exposure is firmly skewed to the very largest companies: 54% mega‑cap and 27% large‑cap, with only modest mid‑ and tiny small‑cap slices. This tilt mirrors major indices and is generally a stabilizing factor because mega‑caps tend to have stronger balance sheets and more diversified businesses than smaller firms. However, it can limit the potential benefit from smaller, earlier‑stage companies that sometimes deliver outsized long‑term gains. The dominance of mega‑caps also means performance is tied closely to the fortunes of a handful of global giants. For many investors, this is a comfortable, benchmark‑aligned profile with manageable idiosyncratic risk outside the single‑stock overweights.

True holdings Info

  • NVIDIA Corporation
    24.22%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • Invesco QQQ Trust
    • Invesco S&P 500® Momentum ETF
    • JPMorgan Nasdaq Equity Premium Income ETF
    • SPDR S&P 500 ETF Trust
    • Vanguard ESG US Stock
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    Direct holding 22.25%
  • Apple Inc
    7.60%
    Part of fund(s):
    • Amplify CWP Enhanced Dividend Income ETF
    • Fidelity® High Dividend ETF
    • Invesco QQQ Trust
    • JPMorgan Nasdaq Equity Premium Income ETF
    • SPDR S&P 500 ETF Trust
    • Vanguard ESG US Stock
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    Direct holding 5.93%
  • Taiwan Semiconductor Manufacturing
    6.20%
  • Texas Instruments Incorporated
    2.92%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
    Direct holding 2.59%
  • Micron Technology Inc
    2.41%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • JPMorgan Nasdaq Equity Premium Income ETF
    Direct holding 2.26%
  • Intel Corporation
    1.82%
  • CVS Health Corp
    1.60%
  • Microsoft Corporation
    1.31%
    Part of fund(s):
    • Amplify CWP Enhanced Dividend Income ETF
    • Fidelity® High Dividend ETF
    • Invesco QQQ Trust
    • JPMorgan Nasdaq Equity Premium Income ETF
    • SPDR S&P 500 ETF Trust
    • Vanguard ESG US Stock
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • AbbVie Inc
    1.05%
    Part of fund(s):
    • JPMorgan Equity Premium Income ETF
    Direct holding 0.83%
  • Alphabet Inc Class A
    1.02%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • Invesco QQQ Trust
    • Invesco S&P 500® Momentum ETF
    • JPMorgan Equity Premium Income ETF
    • SPDR S&P 500 ETF Trust
    • Vanguard ESG US Stock
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Top 10 total 50.15%

This breakdown covers the equity portion of your portfolio only.

Looking through the ETFs, the real story is how much of the portfolio ultimately funnels into a handful of names. NVIDIA’s total exposure is 24.22%, Apple’s 7.60%, and several other chip and mega‑cap names appear both directly and via funds. Overlap like this creates hidden concentration: you might think you’re diversified because you own many ETFs and stocks, but a lot of them circle back to the same giants. Because only ETF top‑10 holdings are captured, actual overlap is probably somewhat higher. The key takeaway is that portfolio behavior will be driven heavily by a small group of large technology and mega‑cap companies.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 100%
Size
Exposure to smaller companies
Low
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
High
Data availability: 100%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 98%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure shows low value and low size, plus high quality, with momentum and yield near neutral. Factors are like underlying “personality traits” of investments that research links to long‑term returns. A low value score means the portfolio leans toward more expensive, growth‑oriented names rather than cheap ones. Low size indicates a preference for bigger companies. The high quality tilt suggests profits, balance sheets, and earnings stability are relatively strong across holdings, which can help during downturns compared with low‑quality growth. Overall, this is a growth‑and‑quality blend: potentially powerful in strong markets, but more exposed if pricey growth stocks fall out of favor versus cheaper, value‑oriented areas.

Risk contribution Info

  • NVIDIA Corporation
    Weight: 22.25%
    47.9%
  • Taiwan Semiconductor Manufacturing
    Weight: 6.20%
    8.3%
  • Vanguard S&P 500 ETF
    Weight: 8.45%
    6.0%
  • JPMorgan Equity Premium Income ETF
    Weight: 15.03%
    5.7%
  • Apple Inc
    Weight: 5.93%
    5.2%
  • Top 5 risk contribution 73.0%

Risk contribution, which shows how much each holding adds to overall volatility, highlights that NVIDIA is the main risk engine: 22.25% of the weight but 47.87% of total risk. That’s more than double its share by size. Taiwan Semiconductor and the broad S&P 500 ETF contribute meaningfully but much less disproportionately. This imbalance means portfolio ups and downs are largely NVIDIA‑driven, regardless of how many other positions exist. If the intention is to ride that specific story, this is consistent. If the goal is a more balanced risk spread, trimming that single exposure or rebalancing into more diversified vehicles would bring the risk profile closer to the overall allocation.

Redundant positions Info

  • Vanguard ESG US Stock
    Vanguard Growth Index Fund ETF Shares
    SPDR S&P 500 ETF Trust
    Vanguard S&P 500 ETF
    Invesco QQQ Trust
    JPMorgan Nasdaq Equity Premium Income ETF
    High correlation
  • Invesco S&P 500® High Dividend Low Volatility ETF
    SPDR® Portfolio S&P 500 High Dividend ETF
    High correlation
  • Vanguard International Dividend Appreciation Index Fund ETF Shares
    Vanguard FTSE Developed Markets Index Fund ETF Shares
    High correlation

Correlation measures how often assets move together, where 1.0 means almost lockstep. Several ETF pairs here have correlations above 0.95, and SPDR S&P 500 and Vanguard S&P 500 are essentially identical at 1.0. That tells you many of the broad US and growth funds are providing very similar exposure. High‑dividend low‑volatility ETFs are also tightly linked. High correlation isn’t bad on its own, but it limits diversification: when markets drop, these highly correlated pieces likely move down together. Consolidating overlapping funds into fewer core positions can simplify the portfolio without meaningfully changing its behavior, while freeing room for genuinely different exposures if desired.

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 1.09, versus 1.44 for the optimal mix using only these holdings. Sharpe compares return to volatility; higher is better risk‑adjusted performance. The portfolio sits about 6.86 percentage points below the efficient frontier, meaning that at the current risk level, a different weighting of the same positions could have historically delivered more return per unit of risk. It’s important that this doesn’t require adding new assets, just rebalancing among existing ones. If the goal is efficiency rather than maximizing a particular conviction bet, nudging weights toward the optimal or same‑risk efficient mix could be beneficial.

Dividends Info

  • Apple Inc 0.40%
  • AbbVie Inc 3.10%
  • Vanguard Total World Bond ETF 4.20%
  • CVS Health Corp 3.80%
  • Amplify CWP Enhanced Dividend Income ETF 4.40%
  • Vanguard ESG US Stock 1.00%
  • Fidelity® High Dividend ETF 3.00%
  • JPMorgan Equity Premium Income ETF 8.50%
  • JPMorgan Nasdaq Equity Premium Income ETF 11.40%
  • Micron Technology Inc 0.10%
  • Pfizer Inc 6.40%
  • Invesco QQQ Trust 0.50%
  • Schwab U.S. Dividend Equity ETF 2.60%
  • Invesco S&P 500® High Dividend Low Volatility ETF 4.40%
  • Invesco S&P 500® Momentum ETF 0.90%
  • SPDR S&P 500 ETF Trust 0.90%
  • SPDR® Portfolio S&P 500 High Dividend ETF 4.40%
  • Taiwan Semiconductor Manufacturing 0.70%
  • Texas Instruments Incorporated 2.90%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 3.00%
  • Vanguard Long-Term Treasury Index Fund ETF Shares 4.50%
  • Vanguard International Dividend Appreciation Index Fund ETF Shares 2.30%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Growth Index Fund ETF Shares 0.50%
  • Weighted yield (per year) 2.55%

The overall yield is about 2.55%, combining high‑income ETFs like JEPI and JEPQ, bond funds, and high‑dividend equity products alongside low‑yield growth names. Dividends are the cash payouts from holdings and can be a valuable part of total return, especially in sideways markets. Here, income is a clear secondary objective rather than the main focus, but it’s still a meaningful contributor. For someone reinvesting dividends, this helps compound growth. For someone eventually seeking cash flow, the existing high‑yield components provide a useful starting base that could be built up over time without completely shifting away from growth.

Ongoing product costs Info

  • Vanguard Total World Bond ETF 0.05%
  • Amplify CWP Enhanced Dividend Income ETF 0.56%
  • Vanguard ESG US Stock 0.09%
  • Fidelity® High Dividend ETF 0.15%
  • JPMorgan Equity Premium Income ETF 0.35%
  • JPMorgan Nasdaq Equity Premium Income ETF 0.35%
  • Invesco QQQ Trust 0.20%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Invesco S&P 500® High Dividend Low Volatility ETF 0.30%
  • Invesco S&P 500® Momentum ETF 0.13%
  • SPDR S&P 500 ETF Trust 0.10%
  • SPDR® Portfolio S&P 500 High Dividend ETF 0.07%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard Long-Term Treasury Index Fund ETF Shares 0.04%
  • Vanguard International Dividend Appreciation Index Fund ETF Shares 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Weighted costs total (per year) 0.09%

Costs are impressively low, with a weighted TER around 0.09%. TER (total expense ratio) is the ongoing fee charged by funds as a percentage of assets each year. Keeping this figure down means more of the portfolio’s returns stay in your pocket instead of going to providers. Many holdings are ultra‑low‑cost index ETFs from major providers, with a few higher‑fee specialized income funds raising the average slightly. This cost structure is well‑aligned with best practices and strongly supports long‑term performance. There’s no pressing need to change anything here; it’s already operating at a very efficient fee level for a multi‑fund portfolio.

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