This portfolio has only about 9 months of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
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Concentrated US equity portfolio mixing broad index funds quality tilt and focused tech themes

Report created on Jul 5, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is a 100% stock mix heavily anchored in broad US index and dividend funds, with a layer of individual names and niche ETFs on top. Roughly three-fifths of the weight sits in three diversified core funds tracking large US companies, while the rest tilts toward growth, technology, semiconductors, REITs, and a very small cash-like Treasury ETF. This kind of “core plus” structure matters because the broad funds tend to drive the overall direction, while the smaller satellite positions can meaningfully tweak risk and return. With only about nine months of history, it’s too early to draw strong conclusions, but structurally this looks like a US equity core wrapped with targeted growth and dividend themes.

Growth Info

Over the roughly nine‑month window available, a hypothetical $1,000 in this portfolio grew to about $1,225, which implies a 32.24% compound annual growth rate (CAGR). CAGR is like average speed on a road trip: it smooths the ups and downs into one yearly number. That figure is much higher than both the US market and global market proxies in this period, even though maximum drawdowns were similar at around -9%. However, such a short, strong run can easily be driven by a handful of favorable months. With only nine months of data and just nine days accounting for 90% of gains, this performance should be seen as a snapshot, not a long‑term pattern.

Projection Info

The forward projection uses a Monte Carlo simulation, which essentially re‑mixes past returns thousands of times to map out many possible future paths. Here, $1,000 invested for 15 years shows a median outcome around $2,642, with a wide “likely” band from about $1,747 to $3,981. The annualized return across all simulations comes out near 7.9%, and about 72% of runs end positive. These ranges highlight uncertainty: the same portfolio can land in very different places depending on sequences of returns. Because the model leans on less than a year of history, these projections are especially fragile and should be viewed as rough scenario ranges rather than reliable forecasts.

Asset classes Info

  • Stocks
    100%

All of the portfolio is in equities, with no bonds or other asset classes in the mix. Asset classes are broad buckets like stocks, bonds, and cash; mixing them usually helps smooth the ride because they often respond differently to economic news. Here, the entire risk and return profile is tied to stock market behavior. That can amplify the impact of both strong markets and downturns. Compared with many “balanced” mixes that include bonds, this is more of an all‑equity structure. Over long periods that can be rewarding, but short‑term swings can also be more pronounced, which is important when interpreting any nine‑month performance snapshot.

Sectors Info

  • Technology
    35%
  • Telecommunications
    13%
  • Industrials
    11%
  • Health Care
    8%
  • Financials
    7%
  • Consumer Staples
    6%
  • Consumer Discretionary
    5%
  • Energy
    5%
  • Consumer Discretionary
    4%
  • Real Estate
    3%
  • Utilities
    1%
  • Basic Materials
    1%

Sector-wise, the portfolio leans heavily toward technology at 35%, with additional exposure across telecommunications, industrials, health care, financials, consumer areas, energy, real estate, utilities, and basic materials. This spread gives exposure to many parts of the economy, but the tech tilt stands out compared with broad market benchmarks where technology is significant but usually not quite this dominant. Sector weight matters because different areas can move very differently as rates, inflation, and business cycles change. Tech-tilted portfolios often show stronger sensitivity to growth expectations and interest rates, which can mean sharper price swings around macro headlines, especially over short histories like the one available here.

Regions Info

  • North America
    95%
  • Asia Emerging
    2%
  • Europe Developed
    1%
  • Asia Developed
    1%
  • Japan
    1%

Geographically, about 95% of the portfolio is in North America, with very modest allocations to emerging Asia, developed Europe, developed Asia, and Japan. Geography affects both diversification and currency exposure because companies in different regions respond to local economies, policies, and exchange rates. Relative to a fully global equity benchmark, this portfolio is clearly US‑centric, which has recently been a strong performer but also concentrates outcomes in one main market and currency. The small international sleeve via a broad ex‑US fund does add some global flavor, yet the big story remains US-focused. Over only nine months, it’s hard to judge whether that regional tilt is a long‑term strength or vulnerability.

Market capitalization Info

  • Large-cap
    40%
  • Mega-cap
    40%
  • Mid-cap
    16%
  • Small-cap
    3%
  • Micro-cap
    1%

By market cap, there’s a strong focus on larger companies: around 80% is split between mega‑caps and large‑caps, with mid‑caps at 16% and only a small slice in small and micro‑caps. Market capitalization simply reflects company size; larger firms tend to be more established and somewhat more stable, while smaller ones can be more volatile but sometimes grow faster. This size mix is broadly similar to many mainstream US equity benchmarks, which are also dominated by big names. It suggests that much of the portfolio’s behavior is likely driven by large household‑name companies rather than smaller, more speculative businesses, at least within the short historical window seen so far.

True holdings Info

  • Alphabet Inc Class A
    3.16%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    Direct holding 3.15%
  • Amazon.com Inc
    2.06%
    Part of fund(s):
    • WisdomTree Quantum Computing Fund
    Direct holding 2.00%
  • Taiwan Semiconductor Manufacturing
    2.03%
    Part of fund(s):
    • VanEck Semiconductor ETF
    Direct holding 1.83%
  • Bloom Energy Corp
    1.95%
  • Palantir Technologies Inc.
    1.95%
  • Mueller Industries Inc
    1.81%
  • Vertiv Holdings Co
    1.79%
  • Meta Platforms Inc.
    1.77%
  • CareTrust REIT Inc.
    1.33%
  • Texas Instruments Incorporated
    1.31%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • Top 10 total 19.17%

Looking through the funds into their top holdings, a handful of individual stocks—Alphabet, Amazon, and Taiwan Semiconductor—appear both directly and inside ETFs. That overlap means the true exposure to these names is slightly higher than it looks when just glancing at the direct positions. However, coverage from ETF top‑10 lists only reaches about a third of the portfolio, so hidden overlap is likely understated. This matters because concentration can sneak in via multiple routes: owning a stock outright and again through index or themed funds. With limited transparency beyond top‑10 holdings and only nine months of performance, it’s worth treating the apparent diversification as somewhat better than a single‑stock bet, but not fully “spread out.”

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 54%
Size
Exposure to smaller companies
Very low
Data availability: 52%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 32%
Quality
Preference for financially healthy companies
Very high
Data availability: 19%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 94%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 49%

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.

On investment factors, the portfolio shows a very high tilt to quality and a high tilt to momentum, with a very low size tilt. Factors are like underlying “personality traits” such as cheapness (value), recent performance (momentum), and financial strength (quality) that research ties to long‑term behavior. A strong quality tilt suggests a focus on profitable, stable companies with healthier balance sheets, which can cushion drawdowns at times. High momentum exposure means many holdings have recently done well, which can help in trending markets but can bite when trends reverse. The very low size tilt indicates a strong bias toward bigger companies. All of this is inferred from a short return history, so factor patterns may evolve.

Risk contribution Info

  • Fidelity 500 Index Fund
    Weight: 22.68%
    19.5%
  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES
    Weight: 12.46%
    13.9%
  • VANGUARD 500 INDEX FUND ADMIRAL SHARES
    Weight: 12.82%
    11.0%
  • Bloom Energy Corp
    Weight: 1.95%
    9.2%
  • Schwab U.S. Dividend Equity ETF
    Weight: 22.83%
    6.0%
  • Top 5 risk contribution 59.6%

Risk contribution shows how much each holding adds to the portfolio’s overall ups and downs, which can differ a lot from its weight. Here, the two big S&P 500 index funds and the growth index fund together are about 58% of the weight and contribute roughly 44% of the risk, so their risk share is roughly proportionate or even a bit lower. In contrast, Bloom Energy has a tiny weight under 2% but contributes over 9% of the portfolio’s risk, making its risk/weight ratio very high. That indicates a single volatile stock can meaningfully sway short‑term results. With only nine months of data, these risk shares could shift, but the current snapshot highlights where volatility is concentrated.

Redundant positions Info

  • Fidelity 500 Index Fund
    VANGUARD 500 INDEX FUND ADMIRAL SHARES
    VANGUARD GROWTH INDEX FUND ADMIRAL SHARES
    High correlation
  • VanEck Semiconductor ETF
    Invesco PHLX Semiconductor ETF
    High correlation

The correlation data shows that the main US index funds and the US growth fund move very closely together, and the two semiconductor ETFs also behave similarly. Correlation measures how often assets move in the same direction; high correlation limits diversification benefits because everything tends to rise and fall together. In this portfolio, overlapping index funds tracking similar universes effectively act like a single large US equity bucket from a risk perspective, even if they’re separate lines on a statement. Likewise, holding multiple semiconductor funds clusters exposure in one industry pattern. Over a short nine‑month window, correlations can be noisy, but these strong links mostly reflect shared benchmarks rather than temporary quirks.

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.

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The efficient frontier chart compares this portfolio’s risk/return mix with the best combinations achievable using the same ingredients. The Sharpe ratio—return minus cash divided by volatility—helps measure risk‑adjusted performance. The current portfolio shows a Sharpe around 1.59, while the max‑Sharpe and minimum‑variance mixes are much higher on this short history, and the portfolio sits well below the plotted frontier at its risk level. That means, based purely on the recent data, reweighting the existing holdings could have delivered higher return for similar risk or similar return with less fluctuation. Because the sample covers less than a year, these optimization results are particularly fragile and may not reflect relationships in a more typical market.

Dividends Info

  • CareTrust REIT Inc. 2.50%
  • Fidelity 500 Index Fund 1.00%
  • Alphabet Inc Class A 0.20%
  • Meta Platforms Inc. 0.40%
  • Mueller Industries Inc 1.10%
  • Alpine Income Property Trust, Inc. 5.70%
  • Schwab U.S. Dividend Equity ETF 3.20%
  • iShares 0-3 Month Treasury Bond ETF 3.50%
  • VanEck Semiconductor ETF 0.20%
  • Invesco PHLX Semiconductor ETF 0.30%
  • Invesco S&P 500® Momentum ETF 0.70%
  • Taiwan Semiconductor Manufacturing 0.50%
  • VANGUARD 500 INDEX FUND ADMIRAL SHARES 1.10%
  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES 0.40%
  • Vertiv Holdings Co 0.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.60%
  • Weighted yield (per year) 1.38%

The portfolio’s overall dividend yield is about 1.38%, combining higher‑yield pieces like the dividend ETF, REITs, and the ultra‑short Treasury ETF with low or near‑zero yield growth names. Dividend yield is the yearly cash payout as a percentage of price, and it can be an important part of total return, especially if reinvested. Here, the presence of a dedicated US dividend ETF at a yield above 3% adds a steady income element, balanced by growth‑oriented and tech holdings that tend to prioritize reinvestment over payouts. With less than a year of data, actual cash flows may not fully reflect long‑term patterns, but structurally this mix blends moderate income with growth potential.

Ongoing product costs Info

  • Fidelity 500 Index Fund 0.02%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • iShares 0-3 Month Treasury Bond ETF 0.07%
  • VanEck Semiconductor ETF 0.35%
  • Invesco PHLX Semiconductor ETF 0.19%
  • Invesco S&P 500® Momentum ETF 0.13%
  • VANGUARD 500 INDEX FUND ADMIRAL SHARES 0.04%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES 0.05%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.04%

Costs across the portfolio are impressively low, with a total expense ratio around 0.04%. Expense ratios are the annual fees charged by funds as a percentage of assets; lower fees mean more of the underlying return ends up in your pocket. Most core holdings are ultra‑low‑cost index funds or ETFs, and even the more specialized funds sit at moderate fee levels. Over long horizons, fee differences compound significantly, so starting from such a low baseline is a structural advantage. Given the short performance window, it’s still clear that fees are unlikely to be a major drag here, allowing the portfolio’s asset mix and market behavior to be the main drivers of outcomes.

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