Strong US tilted equity portfolio with tech concentration and efficient risk return balance
Report created on May 12, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 45.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 25.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 10.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10.00%
This portfolio is a five‑ETF, 100% equity mix with a clear US focus and a blend of styles. Almost half sits in a broad US large‑cap index, a quarter in a growth‑heavy Nasdaq fund, and the rest is split across small‑cap value, US dividends, and a global ex‑US index. Structurally, that means three core building blocks: broad US market, growth tilt, and diversifiers (value, dividends, and international). This combination creates a growth‑oriented profile with some style and geographic balance layered on top. Because everything is in stocks and there are no bonds or cash sleeves, returns and risk are tightly linked to equity markets rather than being cushioned by defensive assets.
Growth
From late 2020 to May 2026, $1,000 in this portfolio grew to about $2,291, a compound annual growth rate (CAGR) of 16.12%. CAGR is like average speed on a long road trip — it smooths out the bumps to show the typical yearly pace. Over this period, the portfolio slightly outpaced the US market and clearly beat the global market index, while having a similar maximum drawdown of about -25%. That drawdown took nine months to bottom and fifteen months to fully recover, which is typical for an all‑equity mix. Only 28 days delivered 90% of total returns, showing how a small number of strong days drove most of the growth.
Projection
The Monte Carlo projection uses past return and volatility patterns to simulate many possible 15‑year futures. Think of it as running the same movie 1,000 times with slightly different random twists based on history. The median outcome grows $1,000 to about $2,793, with a wide “likely” range from roughly $1,800 to $4,200, and more extreme paths stretching from about break‑even to over $7,000. The average simulated annual return of 8.12% is lower than historical because the model bakes in uncertainty and bad‑luck paths. As always, these are statistical what‑ifs, not promises — future markets can behave differently from the past data feeding the simulation.
Asset classes
- Stocks 100%
Asset‑class exposure is straightforward: 100% stocks, 0% bonds, cash, or alternatives. That means the portfolio’s ups and downs are fully driven by equity markets without the dampening effect that fixed income or cash often provide. In return, you get full participation in equity growth, but also the full impact of equity drawdowns. Compared with many broad benchmarks that mix in bonds or other assets, this remains firmly on the growth‑oriented side. This simplicity makes it easier to understand what’s driving performance, but it also means there’s no built‑in ballast if stock markets experience extended declines or volatility spikes.
Sectors
- Technology 33%
- Financials 11%
- Consumer Discretionary 11%
- Telecommunications 10%
- Health Care 8%
- Industrials 8%
- Consumer Staples 7%
- Energy 6%
- Basic Materials 2%
- Utilities 2%
- Real Estate 1%
Sector exposure is led by technology at about one‑third of the portfolio, followed by financials and consumer discretionary at roughly a fifth combined, then telecommunications, health care, and industrials as mid‑sized slices. Staples, energy, materials, utilities, and real estate appear as smaller allocations. Relative to many broad indices, the tech share here is meaningfully higher, helped by the Nasdaq position and large‑cap growth names in the core US ETF. Tech‑heavy setups can be powerful during innovation and growth cycles but often feel more sensitive when interest rates rise or when sentiment swings away from growth stories, so swings may be more pronounced than in a more evenly spread sector mix.
Regions
- North America 90%
- Europe Developed 4%
- Japan 2%
- Asia Emerging 2%
- Asia Developed 1%
Geographically, about 90% of the equity exposure is in North America, with relatively small allocations to Europe, Japan, and parts of Asia. Many global indices today have a US share around 60%, so this is a notable US tilt versus the broader world market. That has helped recently, as US stocks have outperformed many other regions over the past decade. The flip side is that most outcomes here are tied to one economy, one currency, and one policy environment. The international ETF does add some non‑US diversification, but global shocks or US‑specific downturns will still strongly shape overall results.
Market capitalization
- Mega-cap 39%
- Large-cap 35%
- Mid-cap 15%
- Small-cap 6%
- Micro-cap 5%
The portfolio leans heavily toward mega‑ and large‑cap companies, which together make up roughly three‑quarters of the exposure. Mid‑caps add another meaningful slice, while small‑ and micro‑caps are present but much smaller in dollar terms. This is quite close to how global equity markets are structured, though the dedicated US small‑cap value ETF adds some extra exposure further down the size spectrum. Large established firms often bring more stable earnings and lower individual business risk, while smaller names can be more volatile but have higher growth potential. This blend suggests most of the risk and return is driven by big, familiar companies, with a modest dash of smaller, cheaper stocks.
True holdings
-
NV NVIDIA Corporation 5.58%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 4.78%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.53%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.87%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.32%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.00%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.99%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.71%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.01%
Part of fund(s):- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 0.85%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 26.64%
Looking through ETF top‑10 holdings, a handful of mega‑cap names stand out: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Tesla, Meta, and Micron. Combined, just these companies account for more than 20% of the portfolio’s look‑through exposure, even though only about a third of total holdings are visible via top‑10 data. Several names appear across multiple ETFs, especially the broad US index and the Nasdaq fund, creating overlap that ties performance closely to the largest US tech‑related firms. Because only top‑10 holdings are captured, true overlap is probably higher, meaning hidden concentration in these giants is likely somewhat understated here.
Factors
Factor exposure is very close to market‑like across the board: value, size, momentum, quality, yield, and low volatility all sit in the “neutral” band around 50%. Factors are like investing “ingredients” — characteristics such as cheapness (value), smaller size, or price trends (momentum) that research links to long‑term returns. In this portfolio, there’s no strong tilt toward or away from any of the six measured factors. That means performance is mainly driven by broad market movements, sectors, and geography rather than a deliberate bet on, say, deep value, high dividend, or low‑volatility styles. It’s essentially a factor‑balanced equity mix.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 45.00% 43.6% -
Invesco NASDAQ 100 ETF
Weight: 25.00% 30.6% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 11.0% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 10.00% 7.9% -
Schwab U.S. Dividend Equity ETF
Weight: 10.00% 6.9%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weights. The S&P 500 ETF is 45% of assets and contributes about 44% of risk — almost one‑for‑one. The Nasdaq ETF is 25% of assets but about 31% of risk, reflecting its higher volatility; small‑cap value also punches slightly above its weight. Meanwhile, the international and dividend ETFs contribute less risk than their allocations, acting as stabilizers. Overall, the top three positions drive over 85% of total risk, so any sharp moves in broad US large caps or growth tech will strongly shape short‑term portfolio behavior.
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 efficient frontier analysis suggests this mix is already using its ingredients well. The current portfolio sits on or very close to the frontier, meaning that for its level of volatility, risk‑adjusted returns (as measured by the Sharpe ratio) are competitive with the best combinations of these same ETFs. The current Sharpe of 0.74 is lower than the optimal 0.94 but higher than the minimum‑variance portfolio’s 0.85, which trades lower risk for lower expected return. In plain terms, historical data says the allocation is broadly efficient: any big changes in risk/return would come more from altering holdings than from simple reweighting tweaks.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco NASDAQ 100 ETF 0.40%
- Schwab U.S. Dividend Equity ETF 3.30%
- Vanguard S&P 500 ETF 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.28%
The overall dividend yield comes in around 1.28%, with a wide range across individual ETFs. The dedicated US dividend fund is the highest yielder at about 3.3%, and the international fund also contributes meaningfully at 2.7%. The broad US index and small‑cap value ETF yield roughly around the 1–1.3% mark, while the Nasdaq ETF is very low at 0.4%, consistent with a growth‑oriented lineup. In a portfolio like this, dividends are a secondary return driver compared with price appreciation. They still add a steady income stream, but the main story here is capital growth rather than high cash payouts.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- Schwab U.S. Dividend Equity ETF 0.06%
- 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 low, with a blended expense ratio around 0.09%. Individually, the core index ETFs are extremely cheap — as low as 0.03–0.06% — and even the more specialized small‑cap value fund is modest at 0.25%. Fees work like a small headwind every year, quietly shaving off a slice of returns, so keeping them low leaves more of the portfolio’s performance in your pocket. Compared with many actively managed or higher‑fee products, this cost structure is impressively lean and aligns well with best practices for long‑term equity investing, especially when combined with broad, rules‑based index exposure.
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