Growth focused portfolio with strong US exposure and targeted themes in technology defense and gold

Report created on Apr 3, 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-focused, with 90% in stocks and 10% in gold. Half sits in a broad US index fund, while the rest tilts toward semiconductors, global stocks, and aerospace/defense, plus a gold position as a diversifier. This structure mixes a broad core with a few punchy “satellite” bets. That’s relevant because a core‑satellite setup often balances simplicity, growth potential, and some diversification. Here, most of the journey is driven by mainstream stock markets, with extra risk and return potential coming from tech and defense, and some ballast from gold. The key takeaway: this is clearly a growth-oriented, equity-heavy setup with a modest safety valve rather than a defensive portfolio.

Growth Info

From 2016 to early 2026, $1,000 grew to about $5,206, implying a compound annual growth rate (CAGR) of 18.01%. CAGR is like your average speed over a long trip, smoothing all the bumps. That’s meaningfully ahead of both the US market (13.90%) and global market (11.52%), while max drawdown was roughly in line at around -33%. So the portfolio has historically been rewarded for taking risk, not punished with extra downside. However, those strong returns lean heavily on a decade that was excellent for US large caps and semiconductors. Past performance shows the portfolio *can* take advantage of strong markets, but it doesn’t guarantee the next decade looks similar.

Projection Info

The Monte Carlo projection models 1,000 alternate futures using past returns and volatility patterns, like running many simulated “what if” market paths. After 15 years, the median outcome for $1,000 is about $2,555, with a wide but reasonable middle band of roughly $1,747 to $3,860. This implies an average simulated annual return around 7.6%, with about a 72% chance of ending above your starting value. Monte Carlo is useful because it shows a range of possibilities rather than a single forecast, but it still relies on history behaving roughly similarly. The main message: outcomes cluster around positive real growth, yet the spread is broad enough that patience and staying power are important.

Asset classes Info

  • Stocks
    90%
  • Other
    10%

Asset‑class wise, 90% is in equities and 10% in “other,” which here is essentially gold. That’s a textbook growth posture: most of the risk and return comes from ownership of businesses, with a small slice in a diversifier that often behaves differently in crises. Compared with a typical balanced portfolio that might hold a significant bond allocation, this setup is more aggressive and more sensitive to equity bear markets, but it also carries higher long‑run growth potential. The 10% gold slice meaningfully lowers risk contribution, as the data shows, without dragging much on growth historically. For someone seeking long horizon growth, this is a sensible high‑equity mix, but it’s not designed for capital stability.

Sectors Info

  • Technology
    34%
  • Industrials
    17%
  • Financials
    10%
  • Consumer Discretionary
    6%
  • Health Care
    6%
  • Telecommunications
    6%
  • Consumer Staples
    4%
  • Energy
    3%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is clearly tilted: about a third in technology and a notable 17% in industrials, strongly influenced by semiconductors and aerospace/defense. Other sectors like financials, health care, consumer areas, and utilities are present but smaller, roughly in line with broad global market weights. A tech‑ and defense‑oriented portfolio often does very well in innovation‑driven and higher spending environments but can be more volatile when interest rates rise or geopolitical risk shifts budgets. The good news is that sector diversification beyond tech and industrials is still reasonable, providing some balance. The key trade‑off here is leaning into growth and thematic areas that can outperform, while accepting that sector cycles may occasionally hit this portfolio harder than a perfectly neutral mix.

Regions Info

  • North America
    73%
  • Europe Developed
    7%
  • Asia Developed
    4%
  • Japan
    2%
  • Asia Emerging
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, around 73% is in North America, with relatively modest exposure to Europe, developed Asia, Japan, and emerging markets. That’s more US‑heavy than the global stock market, where North America is significant but not this dominant. US bias has been a tailwind over the last decade, contributing to the strong historical performance. The flip side is home‑country and currency concentration: economic, policy, or valuation issues in the US would echo loudly across the portfolio. On the plus side, the presence of international ETFs does give some diversification into other economies and currencies. Overall, this alignment with US benchmarks is common and has worked recently, but global diversification could matter more in a future where leadership rotates.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    35%
  • Mid-cap
    16%
  • No data
    10%
  • Small-cap
    1%

This breakdown covers the equity portion of your portfolio only.

By market cap, the portfolio is mostly mega‑ and large‑cap companies, with 37% and 35% respectively, then 16% in mid‑caps and minimal small‑cap exposure. Large, established firms tend to be more stable, better researched, and more liquid than smaller ones, which can reduce idiosyncratic risk and surprises. This mix is very similar to a typical broad market index profile, which is a solid foundation for long‑term investing and helps keep volatility closer to mainstream benchmarks. The trade‑off is less exposure to small‑cap “up‑and‑comers,” which sometimes outperform over long horizons but can be much bumpier. Overall, the size mix is conservative‑growth: leaning on giants for reliability while still keeping some mid‑cap growth potential.

True holdings Info

  • NVIDIA Corporation
    6.58%
    Part of fund(s):
    • SPDR S&P 500 ETF Trust
    • VanEck Semiconductor ETF
  • Apple Inc
    3.32%
    Part of fund(s):
    • SPDR S&P 500 ETF Trust
  • Microsoft Corporation
    2.45%
    Part of fund(s):
    • SPDR S&P 500 ETF Trust
  • Broadcom Inc
    2.44%
    Part of fund(s):
    • SPDR S&P 500 ETF Trust
    • VanEck Semiconductor ETF
  • GE Aerospace
    1.92%
    Part of fund(s):
    • iShares U.S. Aerospace & Defense ETF
  • Amazon.com Inc
    1.80%
    Part of fund(s):
    • SPDR S&P 500 ETF Trust
  • Taiwan Semiconductor Manufacturing
    1.76%
    Part of fund(s):
    • VanEck Semiconductor ETF
  • Raytheon Technologies Corp
    1.65%
    Part of fund(s):
    • iShares U.S. Aerospace & Defense ETF
  • Alphabet Inc Class A
    1.46%
    Part of fund(s):
    • SPDR S&P 500 ETF Trust
  • Alphabet Inc Class C
    1.17%
    Part of fund(s):
    • SPDR S&P 500 ETF Trust
  • Top 10 total 24.56%

Looking through the ETFs, the biggest underlying exposures include NVIDIA, Apple, Microsoft, Broadcom, Amazon, TSMC, Alphabet, and major aerospace names like GE Aerospace and Raytheon. Several of these appear via multiple funds, especially the S&P 500, international fund, and semiconductor ETF, which creates hidden concentration in mega‑cap tech and chipmakers. That matters because if a handful of these giants stumble, multiple holdings feel it at once, even though you own several different tickers. The coverage only reflects ETF top‑10 positions, so true overlap is probably higher. The practical takeaway: diversification across *fund names* is solid, but at the stock level there’s a noticeable tilt toward a small group of global tech leaders.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 90%
Size
Exposure to smaller companies
Neutral
Data availability: 90%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 90%
Quality
Preference for financially healthy companies
Neutral
Data availability: 90%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.

Factor exposures — value, size, momentum, quality, yield, and low volatility — all sit in a neutral, market‑like range. Factors are basically the “ingredients” that drive why groups of stocks behave the way they do: cheap vs expensive (value), big vs small (size), trending winners (momentum), and so on. A neutral profile means the portfolio doesn’t strongly bet on any single style, instead roughly mirroring the overall market’s balance. That’s a strength if someone doesn’t want to guess which style will win next decade; leadership can swing between growth, value, quality, and other themes. It also means performance is driven more by asset allocation (US vs international, sectors, gold, and themes) than by intentional factor tilts.

Risk contribution Info

  • SPDR S&P 500 ETF Trust
    Weight: 50.00%
    50.1%
  • VanEck Semiconductor ETF
    Weight: 15.00%
    24.7%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 15.00%
    13.2%
  • iShares U.S. Aerospace & Defense ETF
    Weight: 10.00%
    10.3%
  • iShares Gold Trust
    Weight: 10.00%
    1.7%

Risk contribution shows how much each holding drives the portfolio’s ups and downs, which isn’t always proportional to its weight. The S&P 500 ETF is 50% of the capital and contributes about 50% of the risk — very aligned. The semiconductor ETF, at 15% weight, contributes nearly 25% of total risk, reflecting its higher volatility and cyclical nature. Meanwhile, gold is 10% of assets but only about 2% of risk, acting as a stabilizer. The top three positions account for almost 88% of the total risk, which is typical for a concentrated core‑satellite setup. One practical insight: sizing the semiconductor slice is the main lever for dialing how “spicy” the overall ride feels, without changing the whole structure.

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 chart compares risk (volatility) to expected return for different weightings of the *existing* holdings. Your current mix has a Sharpe ratio of 0.73, where Sharpe measures return per unit of risk above the risk‑free rate. The optimal combination of these same ETFs could reach a Sharpe around 1.23, and even the minimum variance mix has a Sharpe over 1. That means the current allocation sits noticeably below the frontier: for the same risk, you could, in theory, get higher expected return, or for the same return, take less risk, just by reweighting. The positive angle: you already have solid building blocks; the main opportunity is fine‑tuning their proportions.

Dividends Info

  • iShares U.S. Aerospace & Defense ETF 0.50%
  • VanEck Semiconductor ETF 0.30%
  • SPDR S&P 500 ETF Trust 0.90%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • Weighted yield (per year) 1.00%

The overall dividend yield is around 1%, with the international ETF doing most of the heavy lifting at 3%, while the thematic funds (semiconductors and aerospace/defense) and S&P 500 ETF sit below 1%. Dividend yield is simply the cash payout as a percentage of price each year. A lower yield often signals a focus on companies that reinvest profits for growth rather than returning them as cash. That fits with the growth orientation here. For an investor more focused on long‑term capital appreciation than current income, this is perfectly consistent and not a concern. The flip side is that this setup is less suited to funding near‑term spending needs through portfolio income alone without selling shares.

Ongoing product costs Info

  • iShares Gold Trust 0.25%
  • iShares U.S. Aerospace & Defense ETF 0.40%
  • VanEck Semiconductor ETF 0.35%
  • SPDR S&P 500 ETF Trust 0.10%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.18%

The weighted average total expense ratio (TER) is about 0.18%, which is impressively low for a mix that includes broad market and thematic ETFs. TER is the annual fee charged by funds, taken out of returns in the background. Keeping costs down is one lever investors fully control, and a difference of even 0.3–0.5 percentage points per year can compound into a big gap over decades. Here, the cheapest pieces are the broad Vanguard and S&P 500 ETFs, with slightly higher fees on the semiconductor and aerospace/defense themes, which is normal. Overall, the fee structure supports long‑term performance and aligns well with best practices for cost‑efficient investing.

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