Strong US growth portfolio with heavy technology exposure and moderate dividend support
Report created on Jun 18, 2026Risk profile
5/7
Diversification profile
2/5
Positions
-
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 40.00% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 40.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 20.00%
This portfolio is built from three US equity ETFs, with no bonds or alternatives. Two broad index funds each hold 40%: a US technology fund and a total-market-style S&P 500 fund. The remaining 20% sits in a US dividend equity ETF. So the structure is simple, stock-only, and fairly concentrated in just a few building blocks. That kind of simplicity makes it easy to understand and track, because each ETF has a clear role. At the same time, relying on only three funds can intensify certain exposures, since any tilt in one ETF, like toward tech or the US, flows through strongly to the overall mix.
Growth
One or more local-currency benchmark funds are unavailable for this report.
From mid‑2016 to mid‑2026, a hypothetical $1,000 in this portfolio grew to about $6,124. That works out to a compound annual growth rate (CAGR) of 19.93%, meaning the money effectively grew around 19–20% per year on average over the period. Over the same time, the global equity market grew at roughly 12.78% per year, so this mix outpaced “the market” by a meaningful margin. The worst peak‑to‑trough fall was about −32.7% during early 2020, similar in depth to global markets but with a relatively quick four‑month recovery. As always, past performance shows how it behaved, not what it will do next.
Projection
The Monte Carlo projection looks at many possible futures by mixing and rearranging past return and volatility patterns. Think of it as running 1,000 alternate timelines for this portfolio over 15 years, then seeing where a $1,000 starting point lands. The median outcome ends around $2,673, with a typical middle band (25th–75th percentile) between about $1,767 and $4,206. There’s also a wide possible range from just under the starting amount to nearly $8,000. Overall, about 73% of simulations end with more than the initial $1,000. These numbers are model-based estimates, so they’re helpful for framing expectations but can’t predict exact future results.
Asset classes
- Stocks 100%
All of the portfolio is invested in stocks, with 0% allocated to bonds, cash, or other asset classes. Equities tend to offer higher long‑term growth potential than fixed income, but they also swing more during market stress. Because there’s no built‑in cushion from bonds or cash, any market-wide equity selloff will generally pass straight through to the portfolio’s value. Compared with many broad global benchmarks that blend in some defensive assets, this structure leans firmly toward growth and volatility. That clear equity focus makes the portfolio straightforward to read, but it also means short‑term losses can be larger and recoveries depend entirely on stock market rebounds.
Sectors
- Technology 57%
- Health Care 7%
- Financials 7%
- Telecommunications 6%
- Consumer Staples 6%
- Consumer Discretionary 5%
- Industrials 5%
- Energy 4%
- Utilities 1%
- Real Estate 1%
- Basic Materials 1%
Sector-wise, the portfolio is heavily skewed toward technology at around 57%, with the rest spread across areas like health care, financials, telecoms, consumer sectors, industrials, and energy. Many broad benchmarks have tech as their largest slice, but usually not to this extent, so this is a distinct overweight. Tech-heavy portfolios often benefit strongly when growth companies and innovation themes lead the market, but they can also feel sharper drops if interest rates rise or sentiment turns against high‑growth names. The mix across the other sectors is more modest and diversified, which helps, but technology clearly drives a big share of the overall behaviour here.
Regions
- North America 100%
Geographically, the portfolio is 100% in North America, effectively the US. That alignment matches well with the client region, so currency and tax treatment may be more intuitive compared with foreign holdings. From a diversification lens, it does mean that all economic, political, and regulatory exposure is tied to a single region. Global equity benchmarks usually spread capital across multiple continents, reflecting the fact that companies worldwide drive growth. A fully US‑centric portfolio can do very well, as it has in the recent decade, but it will naturally miss any long booms led by other regions and remain closely linked to the US business cycle.
Market capitalization
- Mega-cap 40%
- Large-cap 38%
- Mid-cap 16%
- Small-cap 4%
- Micro-cap 1%
By company size, the portfolio tilts strongly toward the largest firms, with roughly 40% in mega‑cap, 38% in large‑cap, and the rest in mid, small, and micro‑caps. This mirrors many mainstream index strategies, where the biggest companies dominate the weightings. Mega‑ and large‑caps tend to be more established, often with steadier earnings, but they can still be very volatile when they’re in fast‑growing sectors like technology. The smaller slices in mid and small‑caps add some diversification, because these companies can behave differently across business cycles. Overall, the market cap profile is broadly in line with common benchmarks and forms a familiar, large-company core.
True holdings
-
NV NVIDIA Corporation 10.59%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AA Apple Inc 8.74%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 6.06%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 3.14%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 1.72%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 1.63%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.36%
Part of fund(s):- Vanguard S&P 500 ETF
-
TX Texas Instruments Incorporated 1.15%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
QC Qualcomm Incorporated 1.09%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
UN UnitedHealth Group Incorporated 1.09%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
- Top 10 total 36.58%
Looking through ETF top holdings, a few individual companies make up sizeable effective positions. NVIDIA at around 10.6%, Apple at 8.7%, and Microsoft at 6.1% together account for over a quarter of the portfolio’s look‑through exposure. Several of these names appear in multiple ETFs, creating overlap that can quietly increase concentration. Because this analysis only covers ETF top‑10 holdings, actual overlap is likely somewhat higher. When the same big companies sit in several funds, their influence on day‑to‑day moves becomes larger than any single ETF weight suggests. The strong run of these mega‑caps has helped past returns, but it also heightens dependence on a small group of firms.
Factors
Factor exposure shows this portfolio sitting close to “neutral” across value, size, momentum, quality, yield, and low volatility. In factor terms, neutral means it behaves similarly to a broad market index rather than making strong bets on any single characteristic. Factor investing is about tilting toward traits like cheapness (value) or recent winners (momentum) that research has linked to returns. Here, none of those levers are pulled very hard. That fits with a strategy built from broad index and dividend ETFs rather than specialised factor funds. The main drivers of behaviour are therefore sector and region choices, not targeted factor tilts.
Risk contribution
-
Vanguard Information Technology Index Fund ETF Shares
Weight: 40.00% 49.1% -
Vanguard S&P 500 ETF
Weight: 40.00% 36.5% -
Schwab U.S. Dividend Equity ETF
Weight: 20.00% 14.4%
Risk contribution highlights how much each ETF adds to overall ups and downs, which can differ from its simple weight. The tech ETF is 40% of the portfolio but contributes about 49% of the total risk, so its swings are amplified. The S&P 500 ETF is also 40% of the weight but only about 36.5% of risk, while the dividend ETF’s 20% weight contributes roughly 14.4% of risk. This pattern is common: more volatile holdings punch above their weight, and steadier ones absorb less of the turbulence. Here, that means portfolio risk is dominated by the technology sleeve, even though it doesn’t exceed half the allocation.
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.
The efficient frontier analysis suggests the current mix is already on, or very close to, the best available risk‑return curve using these three ETFs. The Sharpe ratio, which compares excess return to volatility, is 0.78 for the current portfolio, versus 1.0 for the mathematically “optimal” combination and 0.77 for the minimum‑risk option. Since the portfolio sits near the frontier, it’s using these holdings in an efficient way for its chosen risk level. In plain terms, based on history, reweighting between these same funds could nudge risk/return a bit, but the existing allocation is already doing a solid job of balancing them.
Dividends
- Schwab U.S. Dividend Equity ETF 3.30%
- Vanguard Information Technology Index Fund ETF Shares 0.30%
- Vanguard S&P 500 ETF 1.00%
- Weighted yield (per year) 1.18%
The overall dividend yield sits around 1.18%, with the dividend ETF providing the highest yield at about 3.3%, and the tech ETF the lowest at roughly 0.3%. Dividends are cash payments from companies, and over long periods they can make up a meaningful slice of total return, especially when reinvested. Here, the yield is lower than many income‑focused portfolios but in line with a growth‑oriented, tech‑heavy mix. The dividend ETF adds some income stability and may help smooth returns slightly when price growth slows, while the tech and broad S&P exposures lean more on capital appreciation than on regular cash payouts.
Ongoing product costs
- Schwab U.S. Dividend Equity ETF 0.06%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.06%
Total ongoing costs are very low, with a blended total expense ratio (TER) around 0.06%. Individual ETF fees range from about 0.03% to 0.10% per year, which is at the low end of the spectrum for index funds. Expenses come out silently in the background but can compound over decades, so keeping them minimal supports better net performance. Here, the cost structure aligns closely with best practices for long‑term investing and doesn’t create a noticeable drag relative to expected returns. That leaves the portfolio’s behaviour mainly driven by market movements, sector tilts, and company fundamentals rather than by high fund fees.
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