Tech focused US growth portfolio with strong historic returns and concentrated sector and regional exposure
Report created on Jun 24, 2026Risk profile
5/7
Diversification profile
2/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 40.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 35.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.00% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 10.00%
This portfolio is made up of four US-focused stock ETFs, with no bonds or cash in the mix. The largest slice is a broad S&P 500 fund at 40%, paired with a 35% allocation to a NASDAQ 100 ETF that leans toward large growth companies. A 15% position in a US small-cap value ETF brings in smaller, cheaper stocks, and a 10% position in a dedicated technology ETF adds extra tech exposure. Structurally this is a concentrated, all-equity, growth-tilted portfolio. That design tends to amplify both gains and losses compared with mixes that include bonds or more defensive holdings.
Growth
From late 2020 to mid 2026, a hypothetical $1,000 in this portfolio grew to about $2,566. That works out to a compound annual growth rate (CAGR) of 18.11%, compared with 15.69% for the US market and 13.98% for the global market, so returns were higher than both benchmarks. Max drawdown, which measures the worst peak-to-trough drop, was -26.79%, slightly deeper than the US market. It took about 14 months to recover. This pattern—stronger upside with somewhat sharper downturns—is typical for growth- and tech-tilted stock portfolios in this period.
Projection
The forward projection uses a Monte Carlo simulation, which is like running the next 15 years thousands of times based on patterns from history and volatility. Across 1,000 paths, the median outcome for $1,000 is about $2,677, with a wide “likely” range from roughly $1,753 to $4,176. The very broad 5–95% range runs from essentially breaking even to more than seven times the starting value. The average simulated annual return is 8.03%. These projections show what could happen, not what will happen; they rely on past data, and future markets can behave very differently.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with 0% in bonds, cash, or alternatives. That makes the asset mix straightforward but also amplifies sensitivity to equity market swings. Compared with broad multi-asset benchmarks that include bonds, this is an aggressive stance, since bonds often act as a stabilizer when stocks are falling. The combination of broad US equities, growth-heavy indices, and small-cap value still offers diversification within the stock universe. However, there is limited protection from big equity bear markets because there are no meaningfully defensive asset classes present.
Sectors
- Technology 46%
- Consumer Discretionary 11%
- Telecommunications 10%
- Financials 9%
- Industrials 6%
- Health Care 5%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 2%
- Utilities 1%
- Real Estate 1%
Sector exposure is dominated by technology at 46%, far above common broad-market weights. Other notable allocations include consumer discretionary at 11%, telecommunications at 10%, and financials at 9%, with the rest spread across industrials, health care, staples, energy, materials, utilities, and real estate. Such a strong tilt toward technology means the portfolio is heavily influenced by trends in innovation, software, chips, and digital services. Tech-heavy portfolios often shine in growth-friendly, low-rate environments but can be more volatile when interest rates rise or when investors rotate toward more defensive or undervalued sectors.
Regions
- North America 99%
- Europe Developed 1%
Geographically, about 99% of the portfolio is in North America, with only around 1% in developed Europe and essentially nothing elsewhere. Many global equity benchmarks spread more meaningfully across multiple regions, so this is a clear US-centric approach. A strong US focus has been beneficial in recent years, as US markets—especially large growth companies—have outperformed many other regions. At the same time, this concentration means economic, regulatory, and currency outcomes in one region have an outsized effect. There is limited diversification across different economies or currencies if global leadership shifts.
Market capitalization
- Mega-cap 42%
- Large-cap 29%
- Mid-cap 12%
- Small-cap 8%
- Micro-cap 8%
By market size, the portfolio leans toward larger companies, with mega-caps at 42% and large caps at 29%. It also includes meaningful exposure to mid caps at 12% and smaller firms, with 8% in small caps and 8% in micro caps. This blend anchors the portfolio in the stability and liquidity of big companies while still tapping into the higher risk and return potential of smaller, more volatile businesses. Compared with a pure mega-cap index, this structure introduces more size diversity. However, the large weight in mega- and large-cap stocks still means that big household names drive much of the behavior.
True holdings
-
NV NVIDIA Corporation 7.68%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AA Apple Inc 6.83%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 4.70%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.11%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 2.86%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.80%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.56%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.19%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.90%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
AM Advanced Micro Devices Inc 1.58%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Information Technology Index Fund ETF Shares
- Top 10 total 36.20%
Looking through to the top underlying holdings across the ETFs, several large tech and growth names appear multiple times. NVIDIA, Apple, and Microsoft together account for over 19% of the portfolio when aggregated. Amazon, Broadcom, Alphabet (both share classes), Tesla, AMD, and Micron also feature prominently. Because these companies sit in more than one ETF, their influence is larger than a simple fund-level view suggests. This kind of overlap creates hidden concentration: if one of these mega-cap tech names experiences a major move, the impact can be felt across multiple funds at once, amplifying that single-company effect.
Factors
Factor exposure is broadly market-like across the main style dimensions: value, size, momentum, quality, yield, and low volatility all sit in the neutral 40–60% band. Factor exposure describes how much a portfolio leans into traits such as cheap versus expensive (value) or stable versus volatile (low volatility). Here, the data suggests no strong systematic tilt toward or away from any particular factor. In practice, that means performance is driven more by the overall asset mix—US equities and a big tech component—than by deliberate factor strategies. This balanced factor profile can help avoid extreme behavior tied to one style.
Risk contribution
-
Invesco NASDAQ 100 ETF
Weight: 35.00% 39.4% -
Vanguard S&P 500 ETF
Weight: 40.00% 34.2% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 13.9% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 10.00% 12.5%
Risk contribution shows how much each holding adds to total portfolio ups and downs, which can differ from its weight. The NASDAQ 100 ETF is 35% of the portfolio but contributes about 39% of the risk. The S&P 500 ETF is 40% of the weight and 34% of the risk, so it slightly dampens volatility relative to its size. The small-cap value ETF and the tech ETF together contribute about a quarter of total risk. The tech ETF, at 10% weight and 12.5% risk contribution, is particularly punchy. Overall, the top three positions account for roughly 87% of portfolio risk, reflecting concentrated drivers.
Redundant positions
-
High correlationInvesco NASDAQ 100 ETFVanguard Information Technology Index Fund ETF Shares
The correlation data shows that the NASDAQ 100 ETF and the dedicated technology ETF move almost identically. Correlation measures how often assets move together; when it is very high, they tend to rise and fall at the same time. This tight linkage means those two holdings provide limited diversification against each other, even though they are different tickers. In practical terms, shocks that hit large-growth or tech-focused stocks will likely affect both funds simultaneously. Diversification benefits in the portfolio therefore come more from the broad S&P 500 exposure and the small-cap value slice than from splitting growth exposure across two tech-heavy funds.
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 current portfolio sitting on or very close to the efficient frontier. The efficient frontier is the curve of the best attainable return for each risk level using the existing holdings in different mixes. The current Sharpe ratio, a measure of risk-adjusted return, is 0.77, while the maximum possible Sharpe using these funds is 0.97 and the minimum-variance mix is 0.92. This suggests that, given these exact building blocks, there are theoretical combinations that could improve risk-adjusted performance, but the existing allocation is already broadly efficient for its chosen risk level.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.60%
- Invesco NASDAQ 100 ETF 0.40%
- Vanguard Information Technology Index Fund ETF Shares 0.30%
- Vanguard S&P 500 ETF 1.00%
- Weighted yield (per year) 0.81%
The portfolio’s overall dividend yield is about 0.81%, which is modest compared with many broader stock benchmarks. Yield is highest in the small-cap value ETF at 1.60%, while the NASDAQ 100 and dedicated tech ETF yield less than 0.5%. That pattern aligns with growth-heavy, tech-focused portfolios, where companies often reinvest earnings rather than paying large dividends. Dividends here provide only a small part of total return; most of the historic and simulated gains come from price appreciation. For investors focused on income, such a yield would typically be considered low, but it fits the growth-oriented nature of the holdings.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.11%
The portfolio’s weighted total expense ratio (TER) is around 0.11%, which is impressively low. TER is the annual fee charged by each ETF, expressed as a percentage of the invested amount. With costs ranging from 0.03% for the S&P 500 ETF to 0.25% for the small-cap value fund, the blend remains lean enough that fees only skim a small slice off long-term returns. Lower ongoing costs mean more of any market growth stays in the portfolio rather than going to fund providers. This cost structure aligns well with best practices for long-term investing and supports the portfolio’s growth profile.
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