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Growth focused portfolio with strong tech tilt and higher risk exposure than the broad global market

Report created on Apr 23, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

This portfolio is heavily tilted toward US growth stocks with a notable technology flavor. Four stock ETFs make up 95% of the allocation, led by a broad US growth fund and a total US market fund, then a Nasdaq 100 tracker and a concentrated semiconductor ETF. A 5% slice goes into a bitcoin trust, adding a distinct crypto component. Structurally, this is a compact lineup: only five positions, all highly growth-oriented. That simplicity makes it easy to understand but also concentrates behavior around a single theme: US-listed growth and tech. This kind of structure tends to move strongly with market sentiment about innovation, interest rates, and future earnings rather than steady, defensive cash flows.

Growth Info

Over the recent period, $1,000 in this portfolio grew to about $1,773, giving a compound annual growth rate (CAGR) of 28.98%. CAGR is like the average yearly speed of a road trip, smoothing out bumps along the way. This comfortably beat both the US market and global market, which were just above 20% per year. That outperformance came with a deeper maximum drawdown of about -24%, meaning a roughly quarter drop from peak to trough at the worst point. The portfolio recovered in a few months, which is fairly quick. Historically, this profile shows strong upside in favorable conditions but also sharper swings than broad benchmarks. As always, past performance does not guarantee future results.

Projection Info

The Monte Carlo projection uses many simulated paths, based on historical behavior, to estimate a range of possible 15‑year outcomes. Think of it as running 1,000 “what if” alternate futures using the same dice the portfolio rolled in the past. The median outcome turns $1,000 into about $2,793, with a wide middle band from roughly $1,750 to $4,370. An annualized 8.24% across all simulations is far lower than recent realized returns, highlighting how exceptional the last stretch has been. Importantly, there’s still a meaningful chance of ending near or even below today’s value, which reflects the higher-risk, growth-heavy structure. Simulations are only models; they can’t foresee regime shifts or new market environments.

Asset classes Info

  • Stocks
    95%
  • Crypto
    5%

Asset class-wise, the portfolio is almost entirely in stocks (95%) with a small 5% allocation to crypto via a bitcoin trust. This makes it very growth-oriented, since stocks represent ownership in businesses and tend to be more volatile but higher-returning than bonds or cash over long periods. The crypto slice adds another layer of potential return and risk because it behaves differently from traditional assets. Compared to a more mixed stock‑bond blend, this setup leans strongly into market upside and downside. The absence of bonds or cash means there’s little natural cushion during equity selloffs, but also no drag from lower-yielding defensive assets when markets are strong.

Sectors Info

  • Technology
    54%
  • Telecommunications
    11%
  • Consumer Discretionary
    9%
  • Health Care
    5%
  • Financials
    5%
  • Industrials
    4%
  • Consumer Staples
    3%
  • Energy
    1%
  • Basic Materials
    1%
  • Real Estate
    1%
  • Utilities
    1%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is clearly dominated by technology at 54%, with additional weight in telecommunications and consumer discretionary, plus smaller slices across other areas. This is much more tech-heavy than broad global or US market benchmarks, where technology is large but not the majority. Tech-driven portfolios often benefit when innovation themes, digitalization, and growth stories are in favor, but can feel more pressure when interest rates rise or when investors rotate toward value or defensive sectors. The relatively low exposure to traditionally defensive areas means the portfolio is more tied to the fortunes of growth-oriented businesses, amplifying both excitement in booms and discomfort in tech-led downturns.

Regions Info

  • North America
    91%
  • Asia Developed
    2%
  • Europe Developed
    2%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 91% of the portfolio sits in North America, with only small allocations to developed Asia and Europe. This strong US tilt is common in many portfolios, and recently it has benefited from the strength of US large-cap growth and tech names. However, it also means country and currency risk are concentrated in one region. If US equities underperform other parts of the world over a stretch, this portfolio will likely reflect that more than a globally balanced approach. The small non-US exposures do provide some diversification, but the overall picture is clearly one of US-led performance, narratives, and policy environments driving outcomes.

Market capitalization Info

  • Mega-cap
    50%
  • Large-cap
    30%
  • Mid-cap
    12%
  • Small-cap
    2%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

By market capitalization, the portfolio leans heavily into mega-cap and large-cap stocks, which together make up around 80%. These are the biggest, most established companies, often with strong market positions and deep liquidity. There is some exposure to mid, small, and even micro caps, but these are modest pockets rather than core drivers. Large and mega caps tend to move with broad indices, so this structure usually tracks major market trends closely. The upside is alignment with widely followed leaders; the trade-off is less exposure to the potentially higher but bumpier growth of smaller companies. Given the tech focus, much of the behavior will be driven by a relatively small set of very large names.

True holdings Info

  • NVIDIA Corporation
    11.08%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • VanEck Semiconductor ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    6.60%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Grayscale Bitcoin Mini Trust (BTC)
    5.00%
    Part of fund(s):
    • iShares Bitcoin Trust
  • Microsoft Corporation
    4.97%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    4.27%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • VanEck Semiconductor ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    3.15%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    3.03%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    2.50%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    2.46%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    2.16%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 45.21%

This breakdown covers the equity portion of your portfolio only.

Looking through ETF holdings, certain companies appear repeatedly, creating hidden concentration. NVIDIA stands out with over 11% total exposure, while Apple, Microsoft, Broadcom, Amazon, Alphabet (both share classes), Meta, and Tesla each sit between roughly 2–7%. Because these names are held via multiple funds, their real influence is larger than any single ETF weight might suggest. This overlapping exposure is typical in growth and tech-focused portfolios but means that news affecting a handful of large companies can move the whole portfolio noticeably. The coverage only uses top‑10 ETF positions, so overlap outside those lists is not fully captured and actual concentration may be somewhat higher.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 95%
Size
Exposure to smaller companies
Neutral
Data availability: 95%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 95%
Quality
Preference for financially healthy companies
Neutral
Data availability: 95%
Yield
Preference for dividend-paying stocks
Low
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Low
Data availability: 95%

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.

On factor exposure, the portfolio shows high momentum and low value, yield, and low volatility. Factors are like traits — for example, momentum means stocks that have been recent winners; value means cheaper stocks relative to fundamentals. A 62% momentum score suggests a clear lean toward assets that have recently performed well, which can boost returns in trending markets but may hurt when trends reverse sharply. Low value and yield scores indicate less emphasis on cheaper, income-paying companies, so returns are more tied to growth expectations than steady dividends. The low volatility factor score also shows the portfolio doesn’t prioritize smoother rides; it’s tilted toward more dynamic, price-sensitive holdings.

Risk contribution Info

  • VanEck Semiconductor ETF
    Weight: 20.00%
    30.8%
  • Vanguard Growth Index Fund ETF Shares
    Weight: 30.00%
    27.3%
  • Invesco NASDAQ 100 ETF
    Weight: 20.00%
    18.4%
  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 25.00%
    17.7%
  • iShares Bitcoin Trust
    Weight: 5.00%
    5.8%

Risk contribution reveals how much each holding drives overall ups and downs, which can differ from simple weights. Here, the semiconductor ETF is 20% of the portfolio but contributes about 31% of total risk, showing it’s significantly more volatile than average. The broad growth and Nasdaq funds have risk contributions roughly in line with their weights, while the total market ETF actually contributes less risk relative to its size, acting as a mild stabilizer. The bitcoin trust, at 5% weight and nearly 6% of risk, also punches above its weight. Overall, the top three holdings account for more than three‑quarters of portfolio risk, highlighting that a few positions largely dictate day‑to‑day behavior.

Redundant positions Info

  • Vanguard Growth Index Fund ETF Shares
    Invesco NASDAQ 100 ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The correlation data shows that the three core equity ETFs — the Nasdaq tracker, the US total market fund, and the US growth fund — move very closely together. Correlation measures how often assets move in the same direction; high correlation means they tend to rise and fall together. In practice, this reduces diversification benefits between these positions during broad market swings, especially when growth stocks drive index performance. While each ETF has a different focus, their overlapping holdings and shared exposure to US growth names lead to similar patterns. This explains why market-wide news or tech sentiment can impact the entire stock portion in a synchronized way rather than smoothing 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.

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On the efficient frontier chart, the current portfolio sits about 2 percentage points below the best achievable return for its risk level, based only on these holdings. The Sharpe ratio, which compares return to volatility above a risk-free rate, is 1.08 for the current mix versus 1.36 for the optimal and 1.13 for the minimum-variance version. This suggests the existing allocation is reasonably effective but not fully efficient from a risk/return standpoint. In other words, just by reweighting these five positions — without adding anything new — the historical data suggests it would have been possible to either increase expected return at similar risk or reduce risk for a similar expected return.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • VanEck Semiconductor ETF 0.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Weighted yield (per year) 0.54%

The portfolio’s overall dividend yield is modest at around 0.54%. Yield is the cash income from dividends relative to the portfolio value, and here it’s low because the holdings tilt toward growth and tech, which often reinvest earnings rather than paying them out. The total market ETF contributes the highest yield, but the semiconductor and Nasdaq-focused funds, along with the growth ETF, are all relatively low. This structure means total return historically has been driven mostly by price changes rather than regular cash distributions. For investors tracking income, payments from this portfolio may feel small, but for growth-focused structures that’s common and not necessarily a drawback.

Ongoing product costs Info

  • iShares Bitcoin Trust 0.12%
  • Invesco NASDAQ 100 ETF 0.15%
  • VanEck Semiconductor ETF 0.35%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Weighted costs total (per year) 0.13%

Costs are a clear strength here. The total expense ratio (TER) for the portfolio is about 0.13%, which is very low by industry standards, especially given the growth and tech focus. TER is the annual fee charged by funds, like a small percentage haircut on assets each year. The core index funds are extremely cheap, and even the more specialized semiconductor ETF stays reasonably priced. Low ongoing costs help more of any future returns stay in the portfolio instead of flowing out as fees, which can compound meaningfully over long horizons. This cost profile aligns well with best practices for building efficient, index-based exposure to growth themes.

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