Growth tilted US heavy portfolio with strong equity focus and moderate diversification across styles and sectors

Report created on Mar 27, 2026

Risk 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

The portfolio is heavily equity-driven, with 95% in stocks and 5% in gold, leaning clearly toward growth and capital appreciation. Large allocations to broad US market ETFs are complemented by more focused pieces in small cap value, dividends, and semiconductors. This structure creates a “core and satellites” setup: broad, diversified core holdings with a few higher-octane or more targeted strategies around them. That approach is useful because the core often provides stability and market-like behavior, while satellites drive differentiation. The main takeaway is that this mix fits someone comfortable with equity market swings who still wants a small hedge through gold and some style diversification via value and dividend exposures.

Growth Info

Over the period from late 2020, $1,000 grew to about $2,181, which is a strong outcome. The portfolio’s CAGR, or Compound Annual Growth Rate, of 15.44% shows it outpaced both the US market and the broader global market by a meaningful margin. Max drawdown of roughly -24% was similar to the benchmarks, indicating you didn’t take dramatically more pain during selloffs to earn the higher return. This is a solid alignment: better growth without noticeably worse downside. Remember, though, this period was unusually favorable for US equities and certain growth themes, so past performance doesn’t guarantee similar future returns, especially if leadership in markets rotates.

Asset classes Info

  • Stocks
    95%
  • Other
    5%

Asset allocation is very equity-centric, with 95% in stocks and 5% in “other,” primarily gold. That stock-heavy tilt aligns with a balanced-but-growth-leaning profile, accepting meaningful volatility for higher long-term return potential. The small gold slice acts as a modest diversifier and potential hedge against market stress or inflation, but at 5% it won’t dramatically change overall behavior. Compared with typical balanced allocations that might include bonds, this setup is more aggressive and more sensitive to equity downturns. The advantage is simplicity and strong growth exposure; the tradeoff is deeper drawdowns when stocks struggle, so comfort with multi-year fluctuations is important.

Sectors Info

  • Technology
    32%
  • Financials
    10%
  • Consumer Discretionary
    10%
  • Health Care
    9%
  • Telecommunications
    8%
  • Industrials
    8%
  • Consumer Staples
    7%
  • Energy
    6%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is led by technology at 32%, clearly above what many broad benchmarks hold, with moderate allocations to financials, consumer areas, health care, and other cyclicals. This tech tilt aligns with the look-through concentration in mega-cap growth and the dedicated semiconductor fund. Tech-heavy portfolios can shine during innovation booms and periods of low or falling interest rates but may be more vulnerable when rates rise or when investors rotate toward more defensive areas. On the positive side, the spread across other sectors helps avoid being a pure single-theme bet. The key question is whether this elevated tech exposure matches your comfort level with potentially sharper ups and downs.

Regions Info

  • North America
    93%
  • Europe Developed
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, the portfolio is overwhelmingly centered on North America at 93%, with minimal exposure elsewhere. This strong home-bias has actually been beneficial in recent years because US markets have led global performance. It also simplifies currency risk, as most holdings are in dollars and aligned with US economic conditions. The tradeoff is limited diversification if US stocks go through a weaker phase while other regions do better. Many global benchmarks have a smaller US share, so this is a clear tilt rather than a neutral stance. Staying aware that returns are heavily tied to the US economy and policy environment is important for long-term expectations.

Market capitalization Info

  • Large-cap
    35%
  • Mega-cap
    33%
  • Mid-cap
    15%
  • Small-cap
    6%
  • No data
    5%
  • Micro-cap
    5%

This breakdown covers the equity portion of your portfolio only.

Market capitalization exposure is dominated by mega and large caps, which together make up around two-thirds of the portfolio. Mid caps, small caps, and micro caps still play a supporting role, adding about a quarter of the mix. Larger companies generally provide more stability, deeper liquidity, and often more analyst coverage, which can reduce idiosyncratic risk. Smaller companies, while more volatile, can boost long-term growth and diversification because they’re influenced by somewhat different drivers. This blend is reasonably balanced for someone wanting mostly “blue-chip” exposure with a deliberate growth kicker from smaller firms. It’s not overly speculative but still keeps some room for higher-upside names.

True holdings Info

  • NVIDIA Corporation
    4.64%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Apple Inc
    4.42%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
    • iShares Core Dividend Growth ETF
  • Microsoft Corporation
    3.40%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
    • iShares Core Dividend Growth ETF
  • Amazon.com Inc
    2.29%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    1.94%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    1.90%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
    • iShares Core Dividend Growth ETF
  • Meta Platforms Inc.
    1.67%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    1.64%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Tesla Inc
    1.53%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
  • Walmart Inc. Common Stock
    0.65%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
  • Top 10 total 24.09%

Looking through the top ETF holdings, the portfolio has notable concentration in mega-cap US names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, and Tesla. These appear in multiple funds, which creates hidden overlap: it might feel diversified by fund count, but a chunk of risk is tied to the same big companies. Overlap is probably even higher than shown because only ETF top-10 holdings are included. This concentration can be good when these leaders outperform but can hurt if sentiment turns against them. A useful mental check is whether this heavy tilt toward the largest growth names is intentional or just a byproduct of using common index-based funds.

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
Low
Data availability: 100%
Quality
Preference for financially healthy companies
Neutral
Data availability: 100%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure is mostly neutral, with no extreme tilts. Value and size both show as “low,” meaning a mild lean away from cheaper stocks and smaller companies in favor of larger, more growth-oriented names. Momentum is also slightly low, suggesting less emphasis on chasing recent winners beyond the natural exposure in broad indexes. Quality, yield, and low volatility all sit close to neutral, indicating a market-like stance. In plain terms, factor-wise this portfolio behaves much like a standard broad equity allocation with a gentle growth and large-cap bias. That balance can be reassuring because it avoids high dependence on any single academic “style” working perfectly.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 40.00%
    39.1%
  • Invesco NASDAQ 100 ETF
    Weight: 20.00%
    24.6%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 10.00%
    11.2%
  • Fidelity Select Semiconductors Portfolio
    Weight: 5.00%
    9.5%
  • iShares Core Dividend Growth ETF
    Weight: 10.00%
    7.5%
  • Top 5 risk contribution 91.9%

Risk contribution highlights how much each holding drives overall volatility, which can differ from its weight. The S&P 500 ETF is 40% of the portfolio and contributes a similar share of risk, which is aligned and sensible. The NASDAQ 100 and the semiconductor fund, though smaller in weight, punch above their size: NASDAQ’s risk/weight is 1.23 and semiconductors’ is 1.90, meaning they add disproportionate choppiness. Dividend-oriented funds contribute less risk than their weights, helping smooth things out. If the ride ever feels too bumpy, trimming the highest risk/weight positions and shifting toward the calmer ones is one way to align day-to-day volatility with comfort levels without changing the overall asset mix drastically.

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 0.82, below both the optimal and minimum-variance portfolios derived from these same holdings. The optimal mix, with a Sharpe of 1.25, delivers higher expected return at lower risk, meaning there’s room to improve efficiency simply by reweighting current positions. Even the minimum-variance blend offers a better risk-adjusted profile. This indicates the allocation is not sitting on the efficient frontier. The implication is encouraging: without adding new funds, adjusting weights—typically tilting a bit away from the highest-risk buckets and toward more stabilizing pieces—could enhance the tradeoff between volatility and expected return.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.40%
  • iShares Core Dividend Growth ETF 2.10%
  • Fidelity Select Semiconductors Portfolio 7.40%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 2.60%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 1.56%

The overall dividend yield of about 1.56% is modest but supported by focused allocations to dividend growth and dividend equity funds. Those pieces carry yields in the roughly 2–3% range, providing a bit of cash flow without turning the portfolio into a pure income strategy. Meanwhile, growth-oriented components like NASDAQ 100 and semiconductors keep yields low but increase total return potential through price appreciation. Dividends can be especially useful during flat or choppy markets, providing a return stream independent of price moves. For a growth-leaning investor, this current blend offers a sensible compromise: some income support while still prioritizing long-term capital growth over near-term payouts.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares Core Dividend Growth ETF 0.08%
  • Fidelity Select Semiconductors Portfolio 0.62%
  • SPDR® Gold Shares 0.40%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.13%

Costs are a real drag on returns over time, and this portfolio is in great shape here. The total TER, or Total Expense Ratio, sits around 0.13%, which is impressively low given the mix of broad index funds and more specialized strategies. The core ETFs are extremely cheap, helping preserve more of the market’s return in your pocket. The semiconductor fund and gold ETF are more expensive, but their modest allocations keep the overall blended cost down. Keeping costs at this level is a strong long-term advantage, especially when compounded over decades, and aligns nicely with best practices for building durable, efficient portfolios.

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