High growth US stock portfolio with strong large cap exposure and efficient risk balance
Report created on Apr 30, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
SP SPDR S&P 500 ETF Trust
SPY - US78462F1030 51.21% -
QQ Invesco QQQ Trust
QQQ - US46090E1038 23.78% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 11.93% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 6.73% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 6.35%
This portfolio is a concentrated all‑equity mix with a clear tilt toward broad US stocks and growth exposure. Just over half sits in an S&P 500 ETF, with another S&P 500 fund on top, so large US companies dominate. QQQ adds a sizeable slice of growth‑oriented names, while the Avantis small cap value ETF introduces a more focused small company segment. A smaller allocation to a total international ETF brings global exposure, but it remains a minor piece. Structurally this is a “core plus satellites” setup: a broad US core, a growth satellite, a small‑value satellite, and a modest global sleeve. That structure helps explain why the portfolio behaves like an aggressive growth equity portfolio with a US backbone.
Growth
Over the period from late 2019 to April 2026, $1,000 in this portfolio grew to about $2,808, a compound annual growth rate (CAGR) of 17.06%. CAGR is like your average speed on a road trip, smoothing out bumps along the way. This comfortably outpaced both the US market benchmark (15.85%) and the global market (13.32%), showing strong historical results. The maximum drawdown, a peak‑to‑trough drop of about -33.6% during early 2020, was very similar to the benchmarks, meaning downside in the crash was not unusually severe. Notably, 90% of returns came from just 24 days, underlining how a handful of strong days can drive long‑term results for growth‑oriented equity portfolios.
Projection
The Monte Carlo projection uses many simulated paths, based on historical behavior, to estimate where $1,000 might end up after 15 years. Think of it as running the market thousands of times with slightly different dice rolls. The median outcome here is about $2,787, with a wide middle range from roughly $1,827 to $4,243. The full 5th–95th percentile span is even broader, from around $970 to $7,766, showing just how uncertain long‑term outcomes can be. The average simulated annual return of 8.16% is noticeably lower than the recent realized CAGR, illustrating that past strong performance does not automatically repeat. These simulations are guides, not predictions, and they cannot foresee structural market shifts.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with no allocation to bonds, cash, or alternative assets. An all‑equity structure typically targets higher long‑term growth potential but accepts higher volatility, meaning larger swings in value along the way. Many broad benchmarks mix stocks with bonds to smooth the ride, so compared with those, this portfolio is more growth‑oriented and more sensitive to equity market moves. The absence of defensive asset classes also means there is little in the mix that historically tends to hold up when stocks fall. This concentration in a single asset class simplifies the structure but makes overall results heavily dependent on how global equity markets behave.
Sectors
- Technology 35%
- Consumer Discretionary 12%
- Financials 11%
- Telecommunications 11%
- Industrials 8%
- Health Care 7%
- Consumer Staples 6%
- Energy 5%
- Basic Materials 2%
- Utilities 2%
- Real Estate 1%
Sector exposure is tilted toward Technology at 35%, with Consumer Discretionary and Financials adding meaningful chunks, and smaller allocations spread across other areas. Compared with broad global or US benchmarks, this is on the tech‑heavy side, partly due to the QQQ allocation and the tech leadership in major indices. Sector weights matter because different economic environments favor different business types: for example, tech and growth names can be more sensitive to interest rate changes, while defensive sectors may be steadier. A tech‑leaning portfolio like this can participate strongly when innovative companies lead markets, but may experience sharper moves during periods when growth stocks fall out of favor or when rate expectations shift quickly.
Regions
- North America 93%
- Europe Developed 3%
- Asia Emerging 1%
- Japan 1%
- Asia Developed 1%
Geographically, about 93% of the portfolio sits in North America, with only modest exposure to developed Europe, Japan, and other parts of Asia. In contrast, global equity benchmarks typically allocate closer to 60%–65% to the US and the rest to other regions. This strong home‑country tilt means results will closely track US market and currency trends. When US equities outperform other regions, such concentration can look very favorable, as seen in recent years. However, it also means less diversification across different economic cycles, political systems, and currencies. The smaller international sleeve still adds some global flavor, but the portfolio’s story is overwhelmingly driven by US companies and the US dollar.
Market capitalization
- Mega-cap 42%
- Large-cap 31%
- Mid-cap 14%
- Small-cap 7%
- Micro-cap 5%
The market cap breakdown shows a clear emphasis on larger companies: about 42% in mega‑caps and 31% in large‑caps, with the rest spread across mid, small, and micro‑caps. This roughly mirrors broad indices but with a noticeable tail into smaller stocks thanks to the dedicated small cap value ETF. Company size matters because large firms often provide more stability and liquidity, while smaller ones can be more volatile but sometimes offer higher growth potential. Here, the large‑cap core tends to anchor the portfolio’s behavior, while the small and micro‑cap slices add extra variability and a different return pattern. That mix creates a blend of stability and higher‑risk, higher‑potential segments within the equity universe.
True holdings
-
NV NVIDIA Corporation 7.01%
Part of fund(s):- Invesco QQQ Trust
- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
-
AA Apple Inc 5.39%
Part of fund(s):- Invesco QQQ Trust
- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 4.28%
Part of fund(s):- Invesco QQQ Trust
- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.56%
Part of fund(s):- Invesco QQQ Trust
- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.74%
Part of fund(s):- Invesco QQQ Trust
- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.67%
Part of fund(s):- Invesco QQQ Trust
- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.30%
Part of fund(s):- Invesco QQQ Trust
- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 2.22%
Part of fund(s):- Invesco QQQ Trust
- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.80%
Part of fund(s):- Invesco QQQ Trust
- LS 1x Tesla Tracker ETP Securities GBP
- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 0.83%
Part of fund(s):- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
- Top 10 total 32.79%
Looking through ETF top holdings, a handful of big names stand out: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Berkshire Hathaway together represent a significant slice of the covered portion. These companies appear across multiple ETFs, especially the S&P 500 and QQQ, which creates overlap. Overlap means the same stock may effectively be held several times, increasing hidden concentration even if each ETF looks diversified on its own. For example, NVIDIA alone accounts for just over 7% of the covered exposure. Because only top‑10 holdings are used, actual overlap is likely higher than shown. This concentration helps explain why the portfolio behaves very closely to the performance of large US growth‑oriented companies.
Factors
Factor exposures are broadly neutral across the board, including value, size, momentum, quality, yield, and low volatility. A neutral reading (around 50%) means the portfolio’s characteristics look similar to a broad market index rather than deliberately tilting toward or away from any specific factor. Factors are like underlying “personality traits” of stocks that research links to long‑term return patterns. For example, value focuses on cheaper stocks, momentum on recent winners, and quality on financially strong firms. Here, the neutral profile suggests the blend of broad indices and targeted funds balances out into something that behaves much like the market’s overall factor mix. That can lead to more benchmark‑like behavior across different market environments.
Risk contribution
-
SPDR S&P 500 ETF Trust
Weight: 51.21% 48.9% -
Invesco QQQ Trust
Weight: 23.78% 26.4% -
Avantis® U.S. Small Cap Value ETF
Weight: 11.93% 13.3% -
Vanguard S&P 500 ETF
Weight: 6.73% 6.5% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 6.35% 5.0%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its simple weight. The SPDR S&P 500 ETF is just over half the allocation and contributes roughly half the risk, so its impact is very proportional. QQQ and the Avantis small cap value ETF together are under 36% by weight but contribute almost 40% of total risk, with risk/weight ratios above 1. This means they punch slightly above their size in terms of volatility. The international ETF, by contrast, contributes less risk than its weight would suggest. With the top three positions driving nearly 89% of total risk, the portfolio’s volatility is effectively governed by a small set of core holdings.
Redundant positions
-
High correlationSPDR S&P 500 ETF TrustVanguard S&P 500 ETF
The correlation data highlights that SPDR S&P 500 and Vanguard S&P 500 move almost identically, as they track essentially the same index. Correlation measures how often two investments move together, from -1 (opposite) to +1 (in lockstep). Highly correlated positions add little diversification benefit, even if they look different on paper. In this portfolio, the presence of two S&P 500 ETFs means that slice behaves like a single large exposure, simply split across two tickers. That does not create a problem on its own, but it does mean that diversification mainly comes from QQQ, the small cap value ETF, and the international fund, rather than from owning multiple versions of the same index.
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 portfolio sitting on or very close to the efficient frontier. The efficient frontier is the curve of “best possible” return for each risk level, using only the current holdings with different weights. The current Sharpe ratio of 0.67, which measures return per unit of risk above the risk‑free rate, is solid but lower than the maximum Sharpe of 0.88 available with a different mix of the same funds. That optimal mix would take on slightly more risk for higher expected return. Because the portfolio lies essentially on the frontier, its risk/return tradeoff is already efficient for its chosen risk level, meaning the existing structure is being used effectively.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco QQQ Trust 0.40%
- SPDR S&P 500 ETF Trust 1.00%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.01%
The portfolio’s total dividend yield is about 1.01%, which is relatively modest compared with some income‑oriented strategies. Yield is highest in the international ETF at 2.8% and lowest in QQQ at 0.4%, reflecting the growth bias of major US tech and consumer names. Dividends matter because they provide a steady stream of cash returns that can be reinvested or used as income, but they are only one part of total return. In this portfolio, the historical story has clearly been more about price appreciation than cash payouts. That lines up with its growth orientation: companies that reinvest more of their profits often pay lower dividends but can drive stronger capital growth over time.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco QQQ Trust 0.20%
- SPDR S&P 500 ETF Trust 0.10%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.13%
The weighted total expense ratio (TER) of this portfolio is about 0.13%, which is impressively low for an all‑equity mix. TER is the annual fee charged by funds, expressed as a percentage of assets, and it quietly reduces returns each year. Here, broad index ETFs come in between 0.03% and 0.10%, while the more specialized small cap value ETF is higher at 0.25%, which is typical for more targeted strategies. Low overall costs mean more of the portfolio’s gross return stays in your account, and the benefit compounds over time. This cost level aligns well with best‑practice, low‑fee investing and provides a strong structural foundation for long‑term performance.
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