A growth focused stock only portfolio with strong tech tilt and impressively low ongoing costs
Report created on Sep 17, 2024Risk profile
5/7
Diversification profile
4/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 60.00% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 15.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 15.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00%
This portfolio is built entirely from four stock index ETFs, with a big core holding in a broad US index, smaller pieces in international stocks, US small cap value, and a focused semiconductor fund. The mix lines up well with a growth profile and is not far off many standard growth benchmarks, though it tilts harder toward tech and the US. That big core position is a strength because broad market funds tend to be resilient and tax efficient. For extra resilience, it could help to keep the focused satellite position from getting too large over time by occasionally trimming and adding to the broad core if it drifts too far.
Growth
Using the historical data, a hypothetical $10,000 invested in this mix would have grown at about 18.98% per year, known as CAGR (Compound Annual Growth Rate, like your average speed on a long road trip). That’s very strong and outpaces many typical growth benchmarks over long stretches, but it came with a maximum drawdown of roughly -34.5%, meaning at one point it could have been down about a third from a peak. This kind of drop is normal for an aggressive stock mix. It’s important to remember that past performance doesn’t predict the future; markets change and strong runs can be followed by slower periods or long flat stretches.
Projection
The Monte Carlo analysis ran 1,000 simulations using patterns from past returns and volatility to see many possible future paths. Monte Carlo is basically a “what if” machine: it scrambles historical-like returns thousands of times to estimate a range of outcomes. Here, the median result (50th percentile) shows more than a tenfold gain, and 987 out of 1,000 simulations ended positive, with an average annualized return around 22.9%. Those numbers look impressive, but they rely on historical behavior that may not repeat. Simulations are a planning tool, not a promise. Treat high projected returns as “possible but uncertain,” and stress test expectations against more modest results.
Asset classes
- Stocks 100%
All assets here are stocks: 100% in equities, with no bonds, cash-like instruments, or alternatives in the mix. This is exactly what a growth‑oriented setup usually looks like, and it aligns with a higher risk score and long time horizon. The upside is strong long‑term growth potential and full participation in equity market gains. The flip side is sharper drops during market stress, since there’s no built‑in cushion from steadier assets. Being “broadly diversified” within stocks is a real strength, but it does not replace the role of defensive assets. If large drawdowns feel uncomfortable, gradually adding a small slice of more stable holdings outside stocks could smooth the overall ride.
Sectors
- Technology 40%
- Financials 13%
- Consumer Discretionary 10%
- Industrials 8%
- Telecommunications 7%
- Health Care 7%
- Consumer Staples 4%
- Energy 4%
- Basic Materials 2%
- Utilities 2%
- Real Estate 2%
Sector exposure is well spread across 11 sectors, which is a positive sign, but technology stands out at around 40% thanks to the semiconductor ETF and tech-heavy broad indexes. This goes beyond many common benchmarks, which typically have a smaller tech slice. A tech tilt can drive strong growth, but it also means more sensitivity to things like interest rate hikes, regulation, and cycles in innovation or chip demand. The rest of the portfolio nicely covers financials, consumer areas, industrials, and more, which is good for diversification. To keep risk in check, it could help to watch that tech weight over time and avoid letting it drift much higher without it being a conscious decision.
Regions
- North America 83%
- Europe Developed 7%
- Asia Developed 3%
- Asia Emerging 2%
- Japan 2%
- Australasia 1%
- Africa/Middle East 1%
Geographically, the portfolio is heavily tilted toward North America at about 83%, with modest exposure to developed Europe, developed Asia, and small slices across Japan, Australasia, and emerging regions. This lines up closely with US‑centric benchmarks and is very common for investors based in the USA. The positive side is alignment with the world’s largest and most liquid market, which has been a strong performer in recent decades. The trade‑off is relying heavily on one economic region. Adding a bit more to overseas holdings over time could reduce home‑country concentration and provide a buffer if US markets underperform, while still keeping the US as the anchor.
Market capitalization
- Mega-cap 41%
- Large-cap 33%
- Mid-cap 14%
- Small-cap 6%
- Micro-cap 5%
Market capitalization exposure is nicely tiered: heavy in mega and big companies, with meaningful slices of medium, small, and even micro caps. Market cap just means the size of companies by their total value on the stock market. This mix is a strength because it balances the relative stability of large, established firms with the higher growth potential and volatility of smaller ones. The dedicated small cap value ETF adds extra tilt toward smaller, cheaper stocks, which has historically offered a return premium at the cost of bumpier rides. Keeping this layered structure is a good way to avoid overreliance on either mega caps or tiny speculative names, maintaining a healthy spread across company sizes.
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.
From a risk versus return perspective, this mix looks intentionally tilted toward the higher‑risk, higher‑return end of the spectrum. The Efficient Frontier is a concept that shows the best possible risk‑return combinations using the same ingredients, like plotting all ways to mix these four ETFs and picking the smoothest ride for any given expected return. Based on the data, it’s likely that slightly lowering the semiconductor weight and nudging more into broad indexes or small cap value could move the portfolio closer to that “efficient” curve. Efficiency here means getting the most expected return per unit of volatility, not necessarily maximizing diversification or minimizing every dip, so personal comfort with swings still matters.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.60%
- VanEck Semiconductor ETF 0.30%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.27%
The portfolio’s overall dividend yield is about 1.27%, with the highest yield coming from the international ETF and relatively lower yields from the growth‑oriented US and semiconductor segments. A dividend is simply a cash payment from companies to shareholders, and yield is that payment as a percentage of your investment. For a growth-focused strategy, a lower yield is normal and not a concern, since more of the return is expected from price appreciation rather than income. This setup fits investors who reinvest dividends to compound over time instead of relying on the portfolio for current cash flow. If future goals include regular income, gradually leaning toward slightly higher‑yielding holdings could make sense down the road.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- VanEck Semiconductor ETF 0.35%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.10%
The blended cost (Total TER) is about 0.10%, which is impressively low and a real strength. TER, or Total Expense Ratio, is the annual fee charged by the funds, like a small haircut on returns each year. Keeping fees this low can make a noticeable difference over decades, because every dollar not spent on costs keeps compounding for you. The slightly higher cost of the specialized small cap value and semiconductor funds is still reasonable for their added tilts. Overall, the cost structure aligns very well with best practices and supports strong long‑term performance. There’s no obvious need to chase cheaper options given this already efficient fee level.
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!
Compare your holdings
How much do the funds you hold actually overlap with the ones people weigh them against?
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