Growth focused US heavy portfolio with strong tech tilt and efficient but concentrated risk profile
Report created on Mar 24, 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
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 36.77% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 36.76% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 14.71% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 5.88% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 5.88%
This portfolio is almost entirely in equities, split mainly between broad US index funds and a focused semiconductor ETF, with a small slice in international stocks and wider tech. That creates a clearly growth‑oriented structure with little ballast from more defensive assets. For context, equities tend to offer higher long‑term return potential but with sharper ups and downs along the way. Having most of the money in broad indexes is a strength, because it spreads risk across many companies, while the satellite positions add targeted tilts. The big takeaway is that this setup is designed for capital growth rather than stability, and comfort with volatility is important.
Growth
From 2016 to early 2026, a hypothetical $1,000 in this mix grew to about $5,669, beating both the US market and global market references. The portfolio’s compound annual growth rate (CAGR) of roughly 19.7% versus about 14.3% for the US market shows a strong return edge; CAGR is basically your “average speed” per year over the whole trip. Max drawdown, the worst peak‑to‑trough drop, sits around -33.5%, very similar to the benchmarks, meaning no extra historical crash pain despite higher returns. Keep in mind, though, past performance does not guarantee future results, especially for tech‑tilted strategies that have benefitted from a very strong decade.
Projection
The Monte Carlo projection runs 1,000 simulated futures based on the portfolio’s historical return and volatility pattern. Think of it like re‑shuffling the past in many different orders to see a range of potential outcomes. After 10 years, the median scenario shows your $1,000 growing roughly tenfold, with even the 5th percentile still positive at about a 148% gain. That looks very optimistic, reflecting the strong back‑tested performance. But simulations are only as good as the assumptions: they presume the future behaves somewhat like the past, which may not hold, especially if tech or semiconductors cool off. Treat the numbers as a rough risk‑return map, not a promise.
Asset classes
- Stocks 99%
Asset‑class wise, this is essentially a 99% stock portfolio, with no meaningful allocation to bonds, cash, or alternatives. That aligns with a growth profile and longer time horizon, where the priority is maximizing upside rather than smoothing the ride. In diversified “balanced” allocations, it’s more common to see some bond exposure to dampen volatility and soften big drawdowns. The strength here is clarity: the portfolio fully leans into equities, which historically have been the main driver of long‑term wealth building. The trade‑off is that short‑term swings, including drops of 30% or more, are very much on the table and should be expected.
Sectors
- Technology 45%
- Financials 10%
- Consumer Discretionary 8%
- Industrials 8%
- Health Care 8%
- Telecommunications 8%
- Consumer Staples 4%
- Energy 3%
- Utilities 2%
- Basic Materials 2%
- Real Estate 2%
Sector exposure is heavily skewed toward technology at about 45%, with the rest spread across financials, consumer cyclicals, industrials, healthcare, communication services, consumer defensive, energy, utilities, materials, and real estate. Compared with a broad market baseline, that tech weight is significantly elevated, largely due to the dedicated semiconductor and tech ETFs. Tech‑heavy portfolios often shine when innovation and growth are rewarded, but they can be more sensitive to interest rate changes, regulation, and cyclical downturns. The positive is that the remaining sectors still provide some diversification, but the portfolio’s behavior will be dominated by the tech cycle and investor sentiment toward growth companies.
Regions
- North America 91%
- Europe Developed 3%
- Asia Developed 3%
- Japan 1%
- Asia Emerging 1%
Geographically, about 91% of the allocation is in North America, with very modest exposure to Europe, developed Asia, Japan, and emerging Asia. That’s a much stronger home‑country tilt than global equity benchmarks, where US exposure is typically closer to 60%. Being US‑heavy has been beneficial over the last decade, as US stocks, especially large tech, outperformed most other regions. The flip side is increased vulnerability if US markets lag or face region‑specific issues like policy changes or economic slowdown. A small international slice is present, which is positive, but global diversification is still limited relative to typical world‑market allocations.
Market capitalization
- Mega-cap 45%
- Large-cap 33%
- Mid-cap 16%
- Small-cap 3%
- Micro-cap 1%
The portfolio leans hard into mega and large caps, with roughly 78% in mega and big companies, and a smaller allocation to mid, small, and micro caps. This tilt mirrors the structure of broad market indexes, where the largest firms dominate. Larger companies tend to be more stable and widely researched, which can mean relatively lower individual business risk and easier access to information. However, heavy mega‑cap exposure can tie performance closely to a small group of global giants. The modest presence of mid and small caps adds some growth potential and diversification, but it’s not a major driver of the overall risk and return profile.
True holdings
-
NV NVIDIA Corporation 8.73%
Part of fund(s):- Schwab U.S. Broad Market ETF
- VanEck Semiconductor ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 5.54%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 4.06%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 3.08%
Part of fund(s):- Schwab U.S. Broad Market ETF
- VanEck Semiconductor ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.40%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.14%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 1.74%
Part of fund(s):- Schwab U.S. Broad Market ETF
- VanEck Semiconductor ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.70%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.67%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Taiwan Semiconductor Manufacturing 1.57%
Part of fund(s):- VanEck Semiconductor ETF
- Top 10 total 32.62%
Looking through the ETFs, a lot of exposure clusters in the same mega‑cap tech names: NVIDIA, Apple, Microsoft, Broadcom, Amazon, Alphabet, Meta, and TSMC all show up repeatedly. This “hidden concentration” happens when several funds hold the same giants, so your true exposure to these companies is higher than it looks from the surface weights. That can be great when these names lead the market, as they have recently, but it also means portfolio results are heavily tied to their fortunes. The key insight is that diversification across tickers can still mean concentration in underlying businesses if the funds overlap.
Factors
Factor exposure highlights notable tilts toward size, low volatility, and momentum. Factors are like underlying “traits” that explain why groups of stocks behave a certain way over time. A strong size signal suggests a bias away from the very smallest stocks toward larger names. The low‑volatility tilt means holdings that have historically swung less than the market overall, which can sometimes soften downside. Momentum exposure indicates a preference for stocks that have recently performed well, which can enhance returns in trending markets but may hurt during sharp reversals. Coverage for some factors is incomplete, so these readings are approximations, yet they still point to a quality‑and‑winners‑tilted, large‑cap‑centric style.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 36.77% 33.8% -
Vanguard S&P 500 ETF
Weight: 36.76% 33.1% -
VanEck Semiconductor ETF
Weight: 14.71% 21.7% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 5.88% 7.0% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 5.88% 4.4%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from weight alone. Here, the broad US ETFs (VTI and VOO) together are about 73% of the weight and roughly 67% of the risk, which is quite aligned and healthy. The standout is the semiconductor ETF: it’s about 15% of the portfolio but roughly 22% of the total risk, with a risk‑to‑weight ratio well above 1. That reflects the higher volatility of semis. Top three positions contribute almost 89% of risk, underlining concentration. Adjusting position sizes is one way to bring risk shares closer to intended comfort levels.
Redundant positions
-
High correlationVanguard S&P 500 ETFVanguard Total Stock Market Index Fund ETF Shares
Correlation measures how investments move relative to each other; highly correlated assets tend to go up and down together, reducing diversification benefits. In this portfolio, the S&P 500 ETF and Total Stock Market ETF are very highly correlated, since both track similar US equity universes. That explains why overall diversification is somewhat limited despite owning multiple funds: during market sell‑offs, these holdings are likely to behave similarly. It’s not a flaw—broad US coverage is a solid core—but it does mean the portfolio acts more like a single, concentrated bet on US stocks plus a tech overlay. Adding less correlated assets can meaningfully change the risk pattern.
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 sits on the efficient frontier, meaning that for its specific mix of holdings, the combination is already efficient. The efficient frontier is simply the curve showing the best possible return for each level of risk using only the existing components. The current Sharpe ratio, a measure of return per unit of risk, is around 0.8, while the optimal mix of these same ETFs could reach about 0.99 with higher expected risk and return. A minimum‑risk mix would lower volatility but also lower expected return. So within these holdings, better tradeoffs are possible mainly by reweighting, not by adding new products.
Dividends
- VanEck Semiconductor ETF 0.30%
- Vanguard Information Technology Index Fund ETF Shares 0.40%
- Vanguard S&P 500 ETF 1.20%
- Vanguard Total Stock Market Index Fund ETF Shares 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- Weighted yield (per year) 1.13%
The overall dividend yield is around 1.13%, with the international fund contributing the highest yield and the tech and semiconductor funds paying very little. That’s typical for growth‑oriented strategies, where companies often reinvest profits into expansion rather than paying them out as dividends. Dividends can be helpful for investors seeking steady cash flow, but for long‑term growth, reinvesting even modest yields can still add up over time. The portfolio’s low yield signals that total return is expected to come mainly from price appreciation, not income. This setup fits better with accumulation goals than with funding near‑term living expenses from dividends.
Ongoing product costs
- VanEck Semiconductor ETF 0.35%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.08%
Total ongoing costs (TER) are impressively low at about 0.08%, given the heavy use of broad Vanguard index ETFs and one slightly pricier sector ETF. TER, or total expense ratio, is like a yearly membership fee expressed as a percentage of assets. Over long periods, even small cost differences can compound into big performance gaps, so keeping expenses down is a quiet but powerful advantage. This cost structure aligns very well with best practices for long‑term investing: broad, low‑fee index exposure at the core, with only a small part going to a more specialized, higher‑cost strategy. The fee drag here is minimal.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey