Growth oriented equity portfolio with strong US tilt and a focused technology satellite position
Report created on May 5, 2026Risk profile
5/7
Diversification profile
3/5
Positions
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VO Vanguard S&P 500 ETF
VOO - US9229083632 60.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30.00% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 10.00%
This portfolio is a straightforward three-fund equity mix, fully invested in stocks. Around 60% sits in a broad US large-cap index, 30% in a broad international stock ETF, and 10% in a specialized semiconductor ETF. Structurally, that means one large “core” holding in US stocks, a sizable “core” holding in non‑US stocks, and a much smaller but more focused “satellite” in a single industry. This kind of core‑satellite structure is common because it combines broad diversification with a specific tilt. The result here is a portfolio that is simple to understand and manage, while still having a clear growth and technology flavor.
Growth
From 2016 to early 2026, a hypothetical $1,000 in this portfolio grew to about $5,375, implying a compound annual growth rate (CAGR) of 18.39%. CAGR is like average speed on a road trip — it smooths out the bumps to show typical yearly progress. Over the same period, the US market returned 15.24% and the global market 12.69%, so this mix historically outpaced both by a noticeable margin. The worst drop, or max drawdown, was about -33% during early 2020, similar in depth to the benchmarks but recovered within a few months. That combination shows strong long‑term growth with equity‑like downside.
Projection
The forward projection uses a Monte Carlo simulation, which basically runs the portfolio’s return pattern thousands of times with random variations to see many possible futures. After 15 years, the median outcome turns $1,000 into about $2,737, with a wide range from roughly $998 (p5) to $7,862 (p95). The average annual return across simulations is 8.19%, lower than the historical 18.39%, reflecting a more conservative assumption. Monte Carlo doesn’t predict a single outcome; instead, it highlights how uncertain markets are. The 75% chance of a positive result underscores that long‑term investing still includes meaningful downside possibilities.
Asset classes
- Stocks 100%
All of this portfolio is in one asset class: stocks. There are no bonds, cash positions, or alternative assets included in the breakdown. A 100% equity allocation typically means higher long‑term growth potential but also larger swings in value along the way, especially during market shocks. Compared with many mixed stock‑bond benchmarks, this is a more growth‑oriented stance. The absence of other asset classes keeps the structure simple to track and understand, but also means that risk reduction relies mainly on diversification within equities rather than across fundamentally different asset types.
Sectors
- Technology 35%
- Financials 14%
- Industrials 10%
- Consumer Discretionary 9%
- Health Care 8%
- Telecommunications 8%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 4%
- Utilities 3%
- Real Estate 2%
Sector-wise, technology is the largest slice at 35%, helped by both the broad US exposure and the 10% satellite in semiconductors. Financials, industrials, and consumer sectors are all meaningfully represented, with smaller portions in health care, telecom, staples, energy, materials, utilities, and real estate. Compared with broad global benchmarks, this is more tech‑heavy, which often boosts growth during innovation cycles but can be more sensitive during periods of rising interest rates or tech‑specific downturns. The presence of all major sectors, even at smaller weights, still provides cross‑industry diversification rather than a single‑theme portfolio.
Regions
- North America 71%
- Europe Developed 12%
- Asia Developed 6%
- Japan 5%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 71% of the portfolio is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and smaller allocations to emerging markets and other regions. That North America tilt is higher than in a typical global market index, which usually has a bit more non‑US exposure. A strong home‑country bias can work well when that region outperforms, as the last decade often has for US stocks. At the same time, it means portfolio results are strongly linked to one economy and currency, with smaller offsets from other regions’ cycles.
Market capitalization
- Mega-cap 46%
- Large-cap 34%
- Mid-cap 16%
- Small-cap 2%
By market capitalization, the portfolio leans toward larger companies: 46% mega‑cap, 34% large‑cap, 16% mid‑cap, and just 2% small‑cap. Big companies tend to be more established, often with more diversified business lines and access to capital, which can make them somewhat steadier than very small firms. This breakdown is fairly close to broad equity benchmarks, which are also dominated by mega‑ and large‑caps. The modest mid‑ and small‑cap exposure adds some extra growth potential and diversification, but the overall behavior will be driven mainly by the largest global names.
True holdings
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NV NVIDIA Corporation 6.23%
Part of fund(s):- VanEck Semiconductor ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 4.00%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 2.95%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.37%
Part of fund(s):- VanEck Semiconductor ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.18%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.79%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.44%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.34%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.12%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
TS Taiwan Semiconductor Manufacturing 1.05%
Part of fund(s):- VanEck Semiconductor ETF
- Top 10 total 24.48%
Looking through the ETFs, a handful of big companies drive a notable portion of total exposure. NVIDIA stands out at about 6.23%, with Apple, Microsoft, Broadcom, Amazon, Alphabet (both share classes), Meta, Tesla, and TSMC each around 1–4%. Many of these appear via more than one ETF, which creates overlap: if several funds hold the same stock, its effective weight in the overall portfolio rises. Because this analysis only uses top‑10 ETF holdings, the true overlap is likely a bit higher. The takeaway is that performance will be influenced heavily by a small group of large, mostly tech‑related names.
Factors
Factor exposure here is essentially market‑like across the board: value, size, momentum, quality, yield, and low volatility all sit in the neutral 40–60% band, clustered near 50%. Factors are like investing “ingredients” — characteristics such as cheapness (value) or trend strength (momentum) that research links to long‑term returns. A neutral reading means this portfolio doesn’t strongly lean into or away from any of these traits relative to the broad market. In practice, that suggests behavior similar to a standard global equity mix, with no pronounced style tilt driving returns beyond general market and sector movements.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 60.00% 58.5% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 26.0% -
VanEck Semiconductor ETF
Weight: 10.00% 15.5%
Risk contribution shows how much each holding adds to the portfolio’s overall ups and downs, which can differ from its simple weight. The S&P 500 ETF is 60% of the portfolio and contributes about 58% of total risk, so its influence is roughly proportional. The international ETF is 30% of weight and about 26% of risk, slightly less than proportional. The semiconductor ETF is the interesting one: only 10% of the portfolio but around 15.5% of the risk, with a risk/weight ratio of 1.55. That highlights how a relatively small, more volatile position can punch above its weight in driving day‑to‑day swings.
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 uses an efficient frontier, which shows the best possible return for each risk level using only these three holdings in different mixes. The current portfolio has a Sharpe ratio of 0.68, which measures risk‑adjusted return by comparing excess return to volatility. The max‑Sharpe portfolio on the chart has a higher Sharpe (1.08) but also much higher risk and return, while the minimum‑variance mix has similar Sharpe with lower risk. The key point is that your current allocation sits on or very close to the efficient frontier, meaning that, for its risk level, it’s already an efficient use of these specific ETFs.
Dividends
- VanEck Semiconductor ETF 0.20%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.52%
The overall dividend yield of the portfolio is around 1.52%, combining a relatively higher yield from the international ETF (2.80%), a modest yield from the S&P 500 ETF (1.10%), and a very low yield from the semiconductor ETF (0.20%). Dividends are the cash payouts companies make from profits, and they can be an important part of total return over time, especially when reinvested. In this case, the yield is on the lower side compared with more income‑focused portfolios, reflecting the growth and tech tilt. Most of the portfolio’s historical and expected returns have come from price movement rather than income.
Ongoing product costs
- VanEck Semiconductor ETF 0.35%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.07%
The portfolio’s total ongoing fee (TER) is about 0.07%, which is extremely low by any standard. The broad Vanguard ETFs cost just 0.03% and 0.05%, while the specialized semiconductor ETF is higher at 0.35%, but it’s only 10% of the mix. TER, or Total Expense Ratio, is like a small annual subscription fee that comes out of fund assets before returns are reported. Lower costs mean more of the portfolio’s gross performance stays in your pocket, and that effect compounds over time. Here, costs are a clear strength and align very well with best practices for long‑term investing.
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