Strongly US focused growth portfolio with big technology tilt and notable single stock concentrations

Report created on Apr 25, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is fully invested in equities, split between broad index ETFs, themed ETFs, and individual stocks. The biggest holding is a broad US market ETF, followed closely by a concentrated artificial intelligence and technology ETF. Several large single-company positions, like NVIDIA and Berkshire Hathaway, sit alongside smaller positions in financials, energy, and niche themes such as uranium and life sciences. This structure mixes diversified building blocks with targeted high-conviction ideas. That combination can amplify both gains and declines because broad ETFs smooth out some bumps, while concentrated single stocks and thematic funds can move sharply. Overall, the portfolio clearly leans toward long-term growth rather than stability or income, with risk driven mainly by a few big growth-oriented positions.

Growth Info

Over the period from mid‑2021 to April 2026, $1,000 grew to about $2,970, implying a compound annual growth rate (CAGR) of 26.02%. CAGR is like average speed on a road trip, smoothing out ups and downs into one yearly number. This comfortably outpaced both the US market and global market, which delivered roughly 10–12% per year. The trade‑off is a max drawdown of about ‑35%, meaning the portfolio once fell more than a third from peak to trough and took many months to recover. That pattern fits a growth‑heavy approach: strong upside historically, but with deeper swings than broad benchmarks.

Projection Info

The Monte Carlo projection uses 1,000 simulated paths based on past volatility and return patterns to show a range of potential 15‑year outcomes. Think of it as replaying history with small random twists to see many possible futures instead of a single forecast. The median result turns $1,000 into around $2,776, while the middle half of outcomes ranges roughly from $1,780 to $4,091. There are also more extreme possibilities, from just under the starting value to well over $7,000. The average simulated annual return is a bit above 8%. These numbers are not promises: they rely on historical behavior that may not repeat, especially for fast‑moving growth themes.

Asset classes Info

  • Stocks
    100%

All of the portfolio is in stocks, with no bonds, cash equivalents, or alternative assets included. Staying 100% in equities typically offers higher long-term growth potential but also exposes the portfolio fully to stock market ups and downs. Compared with a multi‑asset mix that includes bonds or cash, this kind of concentration removes the natural cushion that more defensive assets often provide in downturns. At the same time, using both broad market ETFs and individual companies gives room for diversification within equities themselves. Still, when markets become very volatile, an all‑stock portfolio usually feels the full impact, and short‑term performance can swing noticeably more than blended portfolios.

Sectors Info

  • Technology
    38%
  • Financials
    22%
  • Telecommunications
    12%
  • Energy
    9%
  • Consumer Discretionary
    5%
  • Health Care
    4%
  • Consumer Staples
    4%
  • Industrials
    4%
  • Utilities
    1%
  • Basic Materials
    1%
  • Real Estate
    1%

Sector exposure is clearly tilted toward technology at 38%, with financials a strong second at 22%. Telecommunications and energy together add another sizable chunk, while areas like health care, consumer staples, industrials, and utilities sit at relatively modest weights. Compared with a typical broad market, this mix leans more heavily into growth‑oriented and cyclical parts of the economy, especially tech-related industries. That can be powerful during periods when innovation and risk‑taking are rewarded, particularly with themes like artificial intelligence in the mix. However, tech‑heavy setups also tend to be more sensitive to interest rate changes, regulation, and shifts in investor sentiment toward growth companies, making sector swings more pronounced.

Regions Info

  • North America
    91%
  • Asia Developed
    3%
  • No data
    2%
  • Europe Developed
    2%
  • Asia Emerging
    1%

Geographically, about 91% of the portfolio is in North America, with only small allocations to developed and emerging Asia and a small slice in Europe. This strong US focus has historically been beneficial during periods when US markets, especially large tech firms, outperformed the rest of the world. However, it also means portfolio fortunes are closely tied to one main economy, regulatory environment, and currency. Compared to global benchmarks, which spread more across different regions, this is a noticeable home‑bias. If non‑US markets have very different cycles in the future, this portfolio will capture less of that diversification benefit and will largely move with US‑dominated trends.

Market capitalization Info

  • Mega-cap
    54%
  • Large-cap
    32%
  • Mid-cap
    11%
  • Small-cap
    2%

Market capitalization exposure is dominated by mega‑cap and large‑cap companies, totaling around 86% of the portfolio. Mid‑caps add another meaningful slice, with only a small allocation to small‑caps. Mega‑caps are the biggest publicly traded businesses and typically have more diversified revenue streams and stronger balance sheets, which can reduce company‑specific risk. At the same time, a heavy focus on mega‑caps often means performance is highly influenced by a handful of very large names, especially in tech. The modest small‑cap exposure introduces some additional growth potential and volatility, but it is too small to fundamentally change the portfolio’s overall large‑company character.

True holdings Info

  • NVIDIA Corporation
    14.54%
    Part of fund(s):
    • Global X Artificial Intelligence & Technology ETF
    • Vanguard S&P 500 ETF
    Direct holding 11.91%
  • Berkshire Hathaway Inc
    9.76%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    Direct holding 9.35%
  • Alphabet Inc Class A
    7.32%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    Direct holding 6.54%
  • Uranium Energy Corp
    4.14%
    Part of fund(s):
    • Global X Uranium ETF
    Direct holding 4.02%
  • Capital One Financial Corporation
    3.64%
  • SoFi Technologies Inc.
    3.52%
  • Apple Inc
    2.39%
    Part of fund(s):
    • Global X Artificial Intelligence & Technology ETF
    • Vanguard S&P 500 ETF
  • Fiserv, Inc. Common Stock
    2.20%
  • Philip Morris International Inc
    1.90%
  • Robinhood Markets Inc
    1.61%
  • Top 10 total 51.02%

Looking through the ETFs into their top holdings, the portfolio’s biggest exposures are clustered in a few names. NVIDIA totals about 14.5% when combining the direct holding and its presence in ETFs. Berkshire Hathaway and Alphabet also show meaningful overlap between direct stakes and ETF exposure. This kind of stacking can create hidden concentration, where a company appears larger in the total picture than any single line item suggests. There is also a significant indirect position in Apple through ETFs. Since only ETF top‑10 holdings are visible, actual overlap may be somewhat higher. Overall, risk is more tied to a handful of big technology and financial names than the surface-level list alone implies.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 98%
Size
Exposure to smaller companies
Low
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 98%
Quality
Preference for financially healthy companies
Neutral
Data availability: 96%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 78%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 98%

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 exposure appears fairly balanced across the six main academic factors. Value, momentum, quality, yield, and low volatility are all in the neutral band, meaning the portfolio behaves broadly like the overall market along those dimensions. Size exposure is mildly low, pointing to a tilt away from smaller companies and toward bigger ones, consistent with the strong mega‑cap presence. Factor exposure can be thought of as the “personality profile” of a portfolio, explaining how it may react in different conditions. Here the profile is not extreme: behavior is driven more by sector and stock‑specific choices than by deliberate factor tilts. That makes performance sensitive to the fortunes of large growth companies rather than niche factor strategies.

Risk contribution Info

  • NVIDIA Corporation
    Weight: 11.91%
    22.2%
  • Global X Artificial Intelligence & Technology ETF
    Weight: 20.56%
    21.3%
  • Vanguard S&P 500 ETF
    Weight: 26.11%
    18.3%
  • Uranium Energy Corp
    Weight: 4.02%
    7.3%
  • SoFi Technologies Inc.
    Weight: 3.52%
    6.6%
  • Top 5 risk contribution 75.7%

Risk contribution shows how much each position drives the portfolio’s overall ups and downs, which can differ from its simple weight. NVIDIA is a standout: at about 12% of the portfolio, it accounts for over 22% of total risk. Similarly, the AI & Technology ETF and smaller positions like Uranium Energy and SoFi contribute more risk than their sizes alone would suggest. By contrast, the broad S&P 500 ETF has a lower risk contribution relative to its weight, acting as a stabilizer. With the top three holdings responsible for roughly 62% of portfolio risk, outcomes are heavily influenced by a small core of growth‑oriented positions, making their behavior especially important to overall volatility.

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 analysis plots the portfolio against the efficient frontier, which represents the best possible return for each risk level using the current mix of holdings. Here, the portfolio sits below that curve by about 12 percentage points at its current risk, indicating it is not using its volatility as efficiently as possible. The Sharpe ratio, which measures return per unit of risk above a risk‑free rate, is 0.84 versus 1.5 for the optimal mix and 0.81 for the minimum‑variance version. This suggests that, historically, simply reweighting these same holdings—without adding anything new—could have delivered higher risk‑adjusted returns or similar returns with less overall volatility.

Dividends Info

  • Global X Artificial Intelligence & Technology ETF 0.20%
  • Capital One Financial Corporation 1.50%
  • Chevron Corp 3.70%
  • Alphabet Inc Class A 0.20%
  • Philip Morris International Inc 3.50%
  • Schwab U.S. Dividend Equity ETF 3.40%
  • Global X Uranium ETF 3.80%
  • Vanguard S&P 500 ETF 1.10%
  • Weighted yield (per year) 0.74%

The overall dividend yield is relatively low at around 0.74%, even though some individual positions have meaningful yields. That’s because a large portion of the portfolio is in growth‑oriented technology names and thematic funds, which typically focus on reinvesting profits rather than paying high dividends. Dividend ETFs and stocks like Chevron and Philip Morris add some income, but they are smaller pieces of the total. In practice, most of the portfolio’s return historically has come from price changes, not cash payouts. For an equity‑heavy growth portfolio, this pattern is common: the main expectation is capital appreciation, with dividends playing a supporting rather than central role.

Ongoing product costs Info

  • Global X Artificial Intelligence & Technology ETF 0.68%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Global X Uranium ETF 0.69%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.16%

The weighted average ongoing fund cost (Total Expense Ratio, or TER) is about 0.16%, which is quite low overall. This comes from blending ultra‑low‑cost core exposure, like the S&P 500 ETF at 0.03%, with higher‑fee thematic ETFs around 0.68–0.69%. TER is the annual fee charged by funds, taken from assets rather than as a separate bill, so it quietly reduces returns over time. Keeping this blended figure low is helpful because even small differences can compound significantly over many years. In this portfolio, using inexpensive broad market ETFs as the foundation offsets the costlier specialist funds, creating a cost structure that supports long‑term compounding.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

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