Growth focused equity portfolio with strong large cap tilt and efficient risk balance
Report created on Mar 24, 2026Risk profile
- Secure Speculative
The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.
Diversification profile
- Focused Diversified
The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 44.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 35.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 16.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 5.00%
The structure is almost pure equity: about 99% in stocks via four ETFs and 1% in cash. The core is a broad US large cap fund paired with a NASDAQ 100 growth sleeve, plus a meaningful international equity position and a small dose of US small cap value. That mix leans clearly toward growth and large caps while still keeping some exposure to overseas markets and smaller, cheaper companies. Because everything sits in equity, the portfolio will move strongly with global stock markets. The main takeaway is that this is a growth‑oriented, equity‑only build rather than a stock‑bond mix, so short‑term swings are part of the package.
Growth
From late 2020 to March 2026, the hypothetical $1,000 grows to about $2,013, with a 14.49% compound annual growth rate (CAGR). CAGR is the “steady speed” that would turn $1,000 into the final value, smoothing all ups and downs in between. That beats the global market and edges the US market, while max drawdown—about a 27.65% peak‑to‑trough drop—is a bit deeper than US market but similar to global. Only 22 days delivered 90% of returns, showing how missing a few big days can matter a lot. Past results are impressive, but they cannot guarantee similar gains going forward.
Projection
The Monte Carlo simulation projects possible 10‑year outcomes by “re‑mixing” the historical pattern of returns and volatility into 1,000 random paths. Think of it as running the next decade 1,000 different ways based on how this portfolio has behaved so far. Median simulated growth is strong, with the 50th percentile scenario roughly multiplying money several times, and even the 5th percentile shows a gain of about 110.8%. Still, the optimistic annualized 17.06% from simulations leans heavily on a short, very strong backtest period, so it likely overstates realistic expectations. Simulations help frame ranges of outcomes, not precise forecasts.
Asset classes
- Stocks 99%
- Cash 1%
Asset class exposure is extremely straightforward: nearly everything is in equities, with a token 1% in cash. That’s much more aggressive than many “balanced” approaches that blend stocks with bonds or other stabilizers. A stock‑heavy mix can deliver higher long‑term growth but usually means larger and more frequent drawdowns during market stress. There is good diversification across different kinds of stocks, but very little diversification across asset classes. Someone comfortable with bigger swings might embrace this; investors wanting smoother rides often introduce bonds or other lower‑volatility assets to dampen equity ups and downs.
Sectors
- Technology 35%
- Telecommunications 11%
- Consumer Discretionary 11%
- Financials 10%
- Industrials 8%
- Health Care 7%
- Consumer Staples 6%
- Energy 3%
- Basic Materials 3%
- Utilities 2%
- Real Estate 1%
Sector exposure is clearly tilted toward technology at 35%, with meaningful allocations to communication services and consumer cyclicals, plus solid representation in financials, industrials, and healthcare. Defensive sectors like utilities and real estate are much smaller. Compared with broad global benchmarks, this is more tech‑ and growth‑heavy, which often helps during innovation‑driven bull markets but can hurt when interest rates rise or when investors rotate into more value‑oriented areas. The spread across ten counted sectors is a positive sign for diversification, but the tech and growth emphasis means performance will be sensitive to how those themes fare in the next cycle.
Regions
- North America 84%
- Europe Developed 7%
- Japan 2%
- Asia Emerging 2%
- Asia Developed 2%
- Australasia 1%
- Latin America 1%
- Africa/Middle East 1%
Geographically, about 84% sits in North America, with the rest spread across developed Europe, Japan, other developed Asia, emerging Asia, and smaller slices of Latin America, Africa, and Australasia. That US‑heavy stance is common for American investors and has been rewarded over the last decade, as US markets outpaced many others. Still, it does mean country‑specific risks such as US policy changes or a multi‑year US lag matter a lot. The non‑US portion improves diversification versus a pure domestic portfolio, but overall this is strongly anchored to North America rather than evenly balanced across global regions.
Market capitalization
- Mega-cap 47%
- Large-cap 32%
- Mid-cap 15%
- Small-cap 4%
- Micro-cap 2%
Market capitalization exposure is dominated by mega and big companies (about 79% combined), with smaller slices in mid, small, and micro caps. Large caps usually mean more established businesses, better liquidity, and somewhat lower company‑specific risk than tiny firms. The small and micro allocation, while modest, introduces a bit of extra growth potential and volatility, especially given the dedicated small cap value ETF. This size mix lines up reasonably well with typical broad‑market patterns and supports stability relative to a small‑cap‑heavy portfolio. It also explains why a handful of mega‑caps can drive overall performance so strongly.
True holdings
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NV NVIDIA Corporation 6.25%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
AA Apple Inc 5.49%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
MS Microsoft Corporation 4.20%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
AM Amazon.com Inc 3.08%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.60%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 2.30%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 2.24%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
AV Broadcom Inc 2.18%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
TS Tesla Inc 2.17%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
WM Walmart Inc. Common Stock 1.56%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 32.07%
Looking through the ETFs, exposure is heavily clustered in a handful of mega‑cap US names: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Broadcom, Tesla, and Walmart all show up across funds. Because the same companies appear inside both the S&P 500 ETF and the NASDAQ 100 ETF, the true exposure is more concentrated than the four‑holding list suggests. Overlap may be understated since only each ETF’s top ten holdings are considered. This kind of hidden concentration is common in equity ETF portfolios, but it does mean portfolio behavior will be strongly influenced by those few large growth companies, for better or worse.
Factors
Factor exposure shows strong tilts to size, low volatility, and momentum. Factors are like underlying “traits” of stocks—such as being cheap, fast‑rising, stable, or high‑yield—that research links to long‑term returns. The size tilt suggests some lean toward smaller companies, though coverage is low, so that signal is less robust. The momentum tilt means the portfolio favors stocks that have been doing well recently, which can boost returns in trending markets but can bite during sharp reversals. The low volatility tilt is a nice counterweight, potentially softening drawdowns. Value and yield exposures look more moderate, so this is more of a quality‑growth‑momentum profile than a deep value, income‑oriented mix.
Risk contribution
-
Invesco NASDAQ 100 ETF
Weight: 35.00% 42.4% -
Vanguard S&P 500 ETF
Weight: 44.00% 40.8% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 16.00% 12.0% -
Avantis® U.S. Small Cap Value ETF
Weight: 5.00% 4.9%
Risk contribution highlights how each ETF drives overall volatility, which can differ from its portfolio weight. Here, the NASDAQ 100 ETF is 35% of assets but contributes over 42% of risk, reflecting its growth and tech orientation. The S&P 500 ETF, at 44% weight and about 41% of risk, is more aligned. International stocks and the small cap value slice contribute meaningfully less risk than their weights might suggest. With the top three positions driving over 95% of total portfolio risk, the real action is concentrated in those big US exposures. Adjusting their mix would most directly change how bumpy the ride feels.
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 risk‑return chart, the portfolio sits on the efficient frontier, meaning that with the current set of ETFs, the mix is already structured in a mathematically efficient way for its risk level. However, it’s not at the very top of the frontier: an “optimal” version has a higher Sharpe ratio—more return per unit of risk—by nudging weights differently, and a same‑risk optimized version could push expected return higher at the cost of extra volatility. The good news is there’s no glaring inefficiency; the tradeoff is already strong. Fine‑tuning would mainly revolve around how much risk and tech‑growth emphasis feels comfortable.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.80%
- Invesco NASDAQ 100 ETF 0.50%
- Vanguard S&P 500 ETF 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 2.90%
- Weighted yield (per year) 1.26%
The overall dividend yield is about 1.26%, with the highest yield coming from international equities and the lowest from the NASDAQ 100. Dividends are the cash payments companies make to shareholders, and over time they can be a meaningful slice of total returns, though here the focus is clearly on price growth. A lower yield profile is typical for growth‑tilted, tech‑heavy portfolios, since many fast‑growing companies reinvest profits rather than pay them out. For someone prioritizing long‑term capital appreciation over regular income, this dividend level is perfectly aligned. Income‑focused investors would usually look for a higher portfolio yield.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.09%
Total ongoing costs are very low at about 0.09% per year across the ETFs. That’s solidly in the “impressively cheap” camp and compares favorably with many actively managed funds and even some index blends. Fees are like a slow leak in a tire: small differences compound over decades. Keeping costs this tight helps more of the gross return stay in your pocket, especially important in an equity portfolio where long‑term compounding does the heavy lifting. From a cost‑efficiency standpoint, this setup is extremely well‑aligned with best practices and is a real strength of the overall approach.
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