Concentrated US growth portfolio tilted toward technology with efficient risk use and low ongoing costs
Report created on May 2, 2026Risk profile
5/7
Diversification profile
2/5
Positions
-
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 47.37% -
FX Fidelity 500 Index Fund
FXAIX - US3159117502 42.11% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 5.26% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 5.26%
This portfolio is compact, with just four holdings and 100% in stocks. Nearly 90% sits in two core US index products tracking large companies, while small allocations add broad US coverage and a slice of international stocks. This simple structure is easy to understand and monitor, and it behaves very much like a focused US equity mix. A concentrated lineup like this can be powerful because each holding has a clear role, but it also means that changes in a few major funds drive almost all portfolio movements. The emphasis on growth and large US names shapes both the opportunity for higher returns and the size of the ups and downs.
Growth
From late 2020 to April 2026, a $1,000 hypothetical investment grew to $2,262, implying a 15.91% Compound Annual Growth Rate (CAGR). CAGR is like your average speed on a road trip, smoothing out bumps along the way. Over this period, the portfolio slightly beat the US market benchmark and more clearly outpaced the global market. The trade-off was a deeper maximum drawdown, at about -29.5%, and a relatively long recovery time of over a year after the 2022 low. That pattern fits a growth-tilted equity portfolio: strong upside over this window but with sharper, more prolonged dips when markets stumble.
Projection
The forward projection uses a Monte Carlo simulation, which is like running the future 1,000 different ways using the historical pattern of returns and volatility. For a $1,000 starting point over 15 years, the median outcome lands around $2,705, with a wide middle range from roughly $1,831 to $4,178. The average annualized return across all simulations is 8.04%, lower than the recent historical figure, reflecting the influence of bad-luck paths as well as good ones. About three-quarters of the runs end with a positive result, but the 5th–95th percentile spread shows outcomes clustering anywhere from just preserving capital to several times the starting amount. As always, simulations are educated guesses, not promises.
Asset classes
- Stocks 100%
All of the portfolio sits in one asset class: equities. That makes the structure straightforward, since everything is exposed to stock market risk rather than a mix of bonds, cash, or alternatives. Equity-only portfolios tend to experience larger swings but also offer higher long-term growth potential than more blended mixes. Because the holdings cover different segments of the stock universe—large US, total US, and international stocks—there is diversification within equities themselves. Still, diversification across asset classes is limited by design, so when global stocks struggle broadly, there is little in this lineup that historically moves in the opposite direction to cushion declines.
Sectors
- Technology 42%
- Telecommunications 13%
- Financials 7%
- Health Care 7%
- Consumer Discretionary 7%
- Consumer Staples 6%
- Industrials 6%
- Consumer Discretionary 4%
- Energy 2%
- Utilities 2%
- Basic Materials 2%
- Real Estate 1%
Sector exposure leans heavily toward technology at 42%, with telecommunications next and other areas like financials, health care, consumer-related sectors, and industrials forming smaller slices. This is more tech-focused than a broad global equity benchmark, reflecting the influence of the NASDAQ-heavy component. Tech-driven portfolios can benefit when innovation and growth stocks are in favor, but they often react more strongly to changes in interest rates, regulation, or shifts in investor sentiment around high-growth companies. The spread across other sectors does provide some diversification, yet moves in large technology names are likely to dominate the overall portfolio’s day-to-day behavior and long-term return pattern.
Regions
- North America 94%
- Europe Developed 3%
- Asia Emerging 1%
- Japan 1%
- Asia Developed 1%
Geographically, the portfolio is overwhelmingly tilted toward North America at about 94%, with only a small allocation across Europe, Japan, and other developed and emerging Asian markets. This is a much stronger US tilt than a typical world stock index, where non-US markets make up a substantial share of total global market value. A US focus has worked well in the last decade as US megacaps led global performance, and this portfolio’s historical outperformance versus the global market reflects that. The flip side is that economic, political, or currency shocks centered on the US would have an outsized effect here, since there are only modest offsets from other regions.
Market capitalization
- Mega-cap 48%
- Large-cap 35%
- Mid-cap 15%
- Small-cap 1%
Market capitalization exposure is dominated by mega-cap and large-cap companies, which together make up over 80% of the portfolio. Mid-caps form a moderate slice, and small-caps appear only at a token level. Large and mega-cap stocks are often more established businesses with deep liquidity, which can support tighter trading spreads and more stable corporate fundamentals. However, this also means the portfolio’s return pattern is closely tied to how the biggest global companies fare, rather than drawing heavily from smaller, potentially faster-growing firms. In practice, that tends to produce returns that look very similar to broad large-cap indices, with only a modest additional contribution from smaller companies.
True holdings
-
NV NVIDIA Corporation 4.74%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 3.60%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.87%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.51%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.85%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.78%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.78%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.70%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.67%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
WM Walmart Inc. 1.44%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 23.94%
Looking through the funds’ top holdings, a handful of large US companies account for much of the visible underlying exposure. Names like NVIDIA, Apple, Microsoft, Amazon, the two Alphabet share classes, Meta, Broadcom, Tesla, and Walmart together represent a meaningful slice of the portfolio. Several of these appear in multiple funds, creating overlap: for example, the same tech giant could be held via the NASDAQ-focused ETF and the broad US index fund. This overlap concentrates risk in a relatively small group of companies even though the portfolio uses multiple products. Because only ETF top-10 positions are included, actual overlap is likely higher than these figures suggest.
Factors
Factor exposure shows mild tilts away from value, size, and yield, with neutral exposure to momentum, quality, and low volatility. Factors are like the underlying “flavors” that drive returns—such as cheapness (value), smaller-company focus (size), or tendency to move smoothly (low volatility). A low value score suggests a preference for higher-priced growth companies relative to their fundamentals, while low size indicates a bias toward larger firms over small ones. The low yield exposure fits with the tech and growth tilt, where companies often reinvest earnings instead of paying high dividends. Neutral readings on momentum, quality, and low volatility mean those characteristics broadly resemble the overall market.
Risk contribution
-
Invesco NASDAQ 100 ETF
Weight: 47.37% 55.0% -
Fidelity 500 Index Fund
Weight: 42.11% 36.8% -
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 5.26% 4.7% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 5.26% 3.5%
Risk contribution illustrates how much each holding adds to the portfolio’s overall ups and downs, which can differ from simple weights. Here, the NASDAQ 100 ETF has a 47% weight but contributes about 55% of total risk, signaling that it is more volatile than the other funds. By contrast, the S&P 500 index fund makes up 42% of the portfolio but contributes only around 37% of risk. The two smaller holdings account for less than 10% of risk combined. Overall, the top three positions drive over 96% of total volatility, so portfolio behavior is effectively determined by these core US funds, with the NASDAQ allocation firmly in the driver’s seat.
Redundant positions
-
High correlationVanguard Total Stock Market Index Fund ETF SharesFidelity 500 Index Fund
The correlation view highlights that the S&P 500 fund and the total US stock market ETF move almost identically. Correlation measures how often assets move in the same direction, from -1 (always opposite) to +1 (always together). Highly correlated funds can look different on paper but end up behaving similarly in practice, which limits diversification benefits. In this case, the total market ETF adds more breadth, especially to mid and small caps, yet its performance pattern is still very close to the S&P 500 fund. That means owning both does not dramatically change how the portfolio responds to broad US market moves, even though it marginally widens the opportunity set.
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 risk vs. return chart shows the portfolio sitting on or very close to the efficient frontier. The efficient frontier represents the best trade-offs between risk and expected return available using these exact holdings in different weightings. The current allocation has a Sharpe ratio of 0.67, while the mathematically “optimal” mix of the same funds would reach 0.89 with slightly lower risk and slightly lower expected return. The minimum-variance blend has even lower risk but still a relatively strong Sharpe. Since the portfolio is essentially on the frontier, the existing weights are already using these components efficiently for the chosen risk level, with no obvious structural inefficiency.
Dividends
- Fidelity 500 Index Fund 1.10%
- Invesco NASDAQ 100 ETF 0.50%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 0.91%
The overall dividend yield of about 0.91% is modest, reflecting the tech and growth focus. Dividend yield measures how much cash a portfolio pays out each year as a percentage of its value, like rental income on a property. Here, the international fund has the highest yield, while the NASDAQ 100 ETF is noticeably lower. In this setup, dividends provide a small but steady contribution to total return, with most of the growth historically coming from price appreciation rather than income. This is typical for portfolios centered on large US growth companies, which often reinvest profits to fuel expansion instead of distributing a high share to shareholders.
Ongoing product costs
- Fidelity 500 Index Fund 0.02%
- Invesco NASDAQ 100 ETF 0.15%
- 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%
Costs are impressively low, with a total expense ratio around 0.08% across the funds. The main US index fund charges just 0.02%, and even the NASDAQ ETF—usually pricier than plain vanilla indices—sits at 0.15%. Expense ratios work like a small annual “membership fee” for each fund; lower fees leave more of the investment return in the portfolio over time. At this cost level, fees are unlikely to be a major drag on long-term performance, especially relative to many actively managed products. This cost structure is well-aligned with best practices for index-based investing and provides a strong foundation for compounding returns over many years.
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