Growth focused portfolio blending broad equity exposure with concentrated tech leaders and a satellite crypto stake

Report created on Apr 20, 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 almost entirely in growth‑oriented risk assets, with 95% in equities and 5% in Bitcoin. The core is built from broad, low-cost index ETFs, which together hold 75% of the weight, while 20% is in individual large tech and chip names and 5% in crypto. This structure combines a diversified base with a focused “satellite” sleeve of big, well-known companies. That kind of mix can make returns more sensitive to what happens in a handful of large growth names and in Bitcoin, rather than just the overall market. It behaves more like an aggressive growth portfolio than a simple index tracker, even though index funds make up most of the allocation.

Growth Info

Over the recent period, $1,000 grew to about $1,714, which is a compound annual growth rate (CAGR) of 27.17%. CAGR is like your average yearly “speed” over the whole trip, smoothing out ups and downs. This beat both the US market and the global market by around 7 percentage points per year, reflecting strong performance from growth and tech areas. The trade-off was a maximum drawdown of about -22%, meaning the portfolio fell roughly that much from peak to trough before recovering. That dip was deeper than the benchmarks. Needing just 17 days to account for 90% of returns also shows performance has been driven by a small number of big positive days.

Projection Info

The Monte Carlo projection uses past return and volatility patterns to simulate many possible future paths, a bit like rolling dice 1,000 times with the same loaded probabilities. For a $1,000 starting point over 15 years, the median scenario ends around $2,822, with a wide “likely” range between about $1,856 and $4,103. There’s an estimated 75.8% chance of a positive outcome, and the average simulated annual return is 8.22%. These numbers are not promises; they simply show what might happen if the future resembles the past in broad terms. Especially with growth stocks and crypto in the mix, real-world results can land outside even the wide model range.

Asset classes Info

  • Stocks
    95%
  • Crypto
    5%

Asset class exposure is heavily tilted to equities at 95%, with the remaining 5% in crypto. Equities are ownership stakes in companies and tend to offer higher long-term growth potential, but with larger short-term swings. Crypto is typically even more volatile and can move very differently from stocks in both directions. There is essentially no stabilizing ballast here from assets like bonds or cash. Compared with a broad global market mix that usually includes some bonds, this setup is clearly geared toward growth and risk. That alignment can amplify both gains and losses, depending on how equity and crypto markets behave over time.

Sectors Info

  • Technology
    35%
  • Consumer Discretionary
    12%
  • Telecommunications
    11%
  • Financials
    11%
  • Industrials
    8%
  • Health Care
    7%
  • Consumer Staples
    4%
  • Basic Materials
    3%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is led by technology at 35%, noticeably higher than many broad equity benchmarks, and supported by double‑digit weights in consumer discretionary, telecom, and financials. Direct positions in companies like NVIDIA, Microsoft, and Tesla sit on top of the tech and growth exposure already inside the ETFs, reinforcing that tilt. Tech-heavy portfolios often benefit disproportionately when innovation and growth themes are in favor, but they can be more sensitive to rising interest rates or sentiment shifts toward more defensive areas. The smaller slices in sectors like utilities, energy, and real estate show that the portfolio is not relying much on traditionally more stable or income-oriented areas.

Regions Info

  • North America
    72%
  • Europe Developed
    7%
  • Asia Emerging
    7%
  • Japan
    3%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 72% of the equity allocation is in North America, with the rest spread across developed Europe, Japan, developed Asia, emerging Asia, and smaller allocations to other regions. Global equity benchmarks usually also have a US tilt, but here the North American share is particularly strong once you include the large US tech stocks held directly. That concentration means portfolio results lean heavily on the US economy, US corporate earnings, and the US dollar. The international ETF does provide meaningful diversification across other markets, which helps bring in different economic cycles and currencies, but the portfolio still behaves primarily like a US‑dominated equity mix.

Market capitalization Info

  • Mega-cap
    56%
  • Large-cap
    24%
  • Mid-cap
    12%
  • Small-cap
    1%

This breakdown covers the equity portion of your portfolio only.

By market capitalization, the portfolio is dominated by mega‑caps at 56%, with a further 24% in large caps. Mid‑caps and small caps together make up only around 13%. Market cap is simply the total value of a company’s shares, and mega‑caps are the very largest global players. A portfolio anchored in these names tends to move closely with major indices and can be more exposed to what happens to a short list of giant companies. The relatively modest allocation to smaller companies means there is less exposure to the distinct growth and risk patterns that mid and small caps sometimes show, especially during certain economic phases.

True holdings Info

  • NVIDIA Corporation
    8.60%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    Direct holding 4.00%
  • Microsoft Corporation
    6.95%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    Direct holding 4.00%
  • Alphabet Inc Class A
    5.83%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    Direct holding 4.00%
  • Tesla Inc
    5.18%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    Direct holding 4.00%
  • Grayscale Bitcoin Mini Trust (BTC)
    5.00%
    Part of fund(s):
    • iShares Bitcoin Trust
  • Taiwan Semiconductor Manufacturing
    4.00%
  • Apple Inc
    3.98%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    2.24%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    1.65%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    1.47%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
  • Top 10 total 44.90%

This breakdown covers the equity portion of your portfolio only.

The look‑through data shows that several companies appear both as direct holdings and inside the ETFs, creating hidden concentration. NVIDIA totals 8.6% of the portfolio, Microsoft 6.95%, Alphabet Class A 5.83%, and Tesla 5.18% when you combine direct shares and ETF exposure. That overlap means the portfolio is more reliant on these few names than the surface weights of the individual positions suggest. Apple, Amazon, and Broadcom also appear meaningfully through ETFs alone. Because only ETF top‑10 holdings are captured, the actual overlap is probably somewhat higher. This concentration can magnify both the upside and downside impact of news affecting these specific companies.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 95%
Size
Exposure to smaller companies
Low
Data availability: 95%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 95%
Quality
Preference for financially healthy companies
Neutral
Data availability: 95%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 96%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
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.

Factor exposures are broadly neutral across value, momentum, quality, yield, and low volatility, sitting close to the “market-like” 50% mark. Factor exposure describes how much the portfolio leans into traits like cheapness (value) or stability (low volatility) that research links to long-term returns. A neutral profile suggests the holdings behave similarly to a broad market index in these dimensions. The one mild exception is size, with a “low” score of 37%, reflecting a tilt away from smaller companies and toward larger ones. That’s consistent with the heavy mega‑cap exposure. Overall, the portfolio’s return pattern is likely driven more by its growth focus and concentration than by targeted factor tilts.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 45.00%
    37.3%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 20.00%
    13.3%
  • Schwab U.S. Large-Cap Growth ETF
    Weight: 10.00%
    10.9%
  • Tesla Inc
    Weight: 4.00%
    8.9%
  • NVIDIA Corporation
    Weight: 4.00%
    8.0%
  • Top 5 risk contribution 78.4%

Risk contribution shows how much each holding drives overall ups and downs, which can differ from its weight. The broad S&P 500 ETF is 45% of the portfolio but contributes about 37% of total risk, so it is relatively stable for its size. In contrast, Tesla and NVIDIA each have 4% weights but contribute roughly 9% and 8% of risk, over twice their share by weight. The growth ETF also pulls slightly more risk than its size would suggest. The top three positions by weight together generate more than 61% of the portfolio’s volatility. This pattern is common in growth‑oriented portfolios where a few high‑beta names punch above their weight in driving performance.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    Vanguard S&P 500 ETF
    High correlation

The correlation data highlights that the Schwab US Large-Cap Growth ETF and the Vanguard S&P 500 ETF move almost identically. Correlation is a score from -1 to 1 showing how often two assets move together; near 1 means they usually go up and down at the same time. Highly correlated positions can behave like variations of the same theme, limiting diversification benefits even if they are different funds. Here, the growth ETF and S&P 500 ETF both draw heavily from large US companies, so their price patterns are very similar. This reinforces the portfolio’s tilt toward US large-cap growth rather than adding a very distinct return stream.

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.

On the efficient frontier chart, the current portfolio sits below the curve by about 7.5 percentage points at its risk level. The efficient frontier represents the best expected return for each risk level using only the existing holdings in different mixes. The Sharpe ratio, which measures risk-adjusted return relative to a “risk-free” rate, is 1.18 for the current mix versus 1.85 for the optimal combination and 1.26 for the minimum-variance blend. This gap suggests that, historically, simply reweighting the same holdings could have produced either higher expected returns at similar risk or lower risk at similar returns. The structure is solid, but the specific weights are not fully optimized.

Dividends Info

  • Alphabet Inc Class A 0.20%
  • Microsoft Corporation 0.80%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Taiwan Semiconductor Manufacturing 0.80%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.17%

The portfolio’s total dividend yield is about 1.17%, which is modest and below what many broad equity indices offer. Yield measures cash income relative to the value invested, and a lower yield is typical for growth‑focused portfolios that prioritize companies reinvesting profits rather than paying them out. The highest income contribution comes from the international equity ETF at 2.8%, while most of the individual US growth names and the growth ETF have low or minimal yields. This means most of the return expectation here comes from price appreciation rather than regular cash payouts. For investors tracking income, this portfolio’s main role is capital growth, not yield generation.

Ongoing product costs Info

  • iShares Bitcoin Trust 0.12%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.03%

Costs in this portfolio are impressively low, with an overall TER (Total Expense Ratio) around 0.03%. TER is the annual fee charged by funds as a percentage of assets, and lower costs leave more of any returns in your pocket. The main ETFs charge between 0.03% and 0.05%, and even the crypto trust is relatively inexpensive at 0.12% compared with many alternatives. Over long time periods, the difference between a few basis points and higher fees can compound into a meaningful gap in outcomes. On the cost side, this portfolio is strongly aligned with best practices for using simple, broad, low‑fee building blocks as the core.

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