Concentrated US growth portfolio with strong tech focus and efficient risk return tradeoff
Report created on Jul 16, 2026Risk profile
5/7
Diversification profile
2/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 60.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 30.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00%
This portfolio is a three-ETF, all‑equity mix anchored in broad US stocks, with a big tilt toward large growth companies. Around two‑thirds sits in a total US market fund, almost a third in a NASDAQ 100 tracker, and a smaller slice in a US small-cap value ETF. So structurally it’s simple, concentrated, and clearly growth‑oriented. Simplicity like this makes it easier to understand what’s driving returns: mainly big US companies and especially growth names. The smaller value slice adds a different style exposure without complicating things much. Overall, this is a focused, high‑equity structure where the main story is participation in the US stock market rather than spreading across many asset types.
Growth
From late 2020 to mid‑2026, $1,000 grew to about $2,381, which is a compound annual growth rate (CAGR) of 16.37%. CAGR is basically the “average yearly speed” of growth over the whole period. This beat both the US market benchmark (15.86%) and the global market benchmark (13.74%), so the growth tilt has been rewarded historically. The worst peak‑to‑trough drop, or max drawdown, was about ‑26.6%, slightly deeper than the US market. That shows that higher return came with somewhat higher downside swings. Interestingly, 90% of returns came from just 27 days, underlining how a handful of strong days can drive long‑term results in a concentrated equity portfolio.
Projection
The forward projection uses a Monte Carlo simulation, which is like running 1,000 alternate futures based on how returns and volatility behaved in the past. Each path randomly shuffles “good” and “bad” years within those historical patterns to show a range of possible outcomes. Here, the median outcome for $1,000 over 15 years is about $2,669, with a wide but reasonable band from roughly $1,794 to $4,124 for the middle half of scenarios. The average simulated annual return is 8.04%, noticeably lower than the recent historical CAGR, reflecting more normalised assumptions. As always, these numbers are not predictions, just illustrations; real markets can be better or worse than any model.
Asset classes
- Stocks 100%
All of this portfolio is invested in stocks, with no bonds, cash, or alternative assets in the mix. That makes the asset class picture very clear: it’s fully exposed to equity market ups and downs. An all‑stock allocation can historically deliver higher long‑term returns than adding bonds, but it also tends to experience bigger swings in bad markets and slower recovery depends entirely on equity rebounds. This also means diversification is happening within stocks rather than across asset classes. The growth‑oriented risk score and low diversification score both line up with this structure: performance is driven by stock market behaviour, without a dampening cushion from other asset types.
Sectors
- Technology 41%
- Consumer Discretionary 11%
- Telecommunications 10%
- Financials 9%
- Industrials 8%
- Health Care 7%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 2%
- Utilities 2%
- Real Estate 1%
Sector‑wise, the portfolio is heavily tilted toward technology at around 41%, with consumer discretionary and communication‑related areas also sizeable. That’s more tech‑heavy than broad global or US benchmarks, which spreads more across sectors. A tech‑dominant profile often benefits strongly during innovation cycles and low‑rate environments but can be more sensitive when interest rates rise or when investors rotate into more defensive or value‑oriented areas. Meanwhile, areas like utilities, real estate, and basic materials are relatively small slices here. So, sector diversification is present but uneven: returns are likely to be strongly influenced by how large US tech and growth‑linked sectors perform.
Regions
- North America 99%
- Europe Developed 1%
Geographically, the portfolio is almost entirely concentrated in North America, at about 99%, with only a sliver in developed Europe. This is much more US‑centric than global equity benchmarks, where the US is large but not nearly this dominant. A concentrated region profile like this means the portfolio is highly tied to one economy, one policy environment, and largely one currency. That has worked well in recent years as US markets have outperformed many others, which shows up in the portfolio’s strong relative returns. The flip side is that any prolonged period of underperformance in US equities would have a direct and broad impact across almost every holding.
Market capitalization
- Mega-cap 40%
- Large-cap 29%
- Mid-cap 15%
- Small-cap 9%
- Micro-cap 6%
By market capitalization, about 40% is in mega‑caps and 29% in large‑caps, with the rest spread across mid, small, and micro‑caps. So the core exposure is clearly to the very largest companies, while the Avantis small-cap value ETF and parts of the total market fund add some smaller company exposure around the edges. Large and mega‑cap stocks often provide more stability, liquidity, and analyst coverage, while small and micro‑caps can be more volatile but sometimes offer different growth or value characteristics. This mix leans toward the stability of giants but still includes a meaningful tail of smaller firms that can behave differently through various market cycles.
True holdings
-
NV NVIDIA Corporation 6.46%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc. 5.91%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 4.18%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 3.43%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.85%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.64%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 2.42%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 2.38%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.99%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.14%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 33.40%
Looking through the ETFs’ top holdings, there’s notable concentration in a handful of big US tech and growth names. NVIDIA, Apple, Microsoft, Amazon, Alphabet (both share classes), Broadcom, Micron, Tesla, and Meta make up a large chunk of the visible look‑through exposure. Several of these appear in multiple ETFs, which creates hidden overlap: owning both a total market fund and a NASDAQ 100 fund stacks many of the same companies. Because only top‑10 positions are captured, this overlap is probably understated. The practical takeaway is that the portfolio’s performance will be especially sensitive to the fortunes of a relatively small group of very large growth companies.
Factors
Factor exposure across all six measured styles — value, size, momentum, quality, yield, and low volatility — is essentially neutral and close to the overall market. Factors are like traits that help explain why some stocks behave differently, such as being cheaper (value) or less jumpy (low volatility). Here, no factor shows a strong tilt either toward or away from these traits, despite the small‑cap value slice. The dominance of broad market and NASDAQ exposure seems to balance things out. That means the portfolio is mainly taking on broad equity market risk rather than making big, intentional bets on specific investing styles, at least in aggregate.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 60.00% 55.5% -
Invesco NASDAQ 100 ETF
Weight: 30.00% 34.8% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 9.8%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the Vanguard total market ETF is 60% of the allocation and contributes about 55.5% of total risk, very much in line with its size. The NASDAQ 100 ETF, though only 30% by weight, contributes roughly 34.8% of risk, so it’s slightly “riskier per dollar” than its size alone suggests. The small‑cap value ETF is 10% and adds about 9.8% of risk, again nearly proportional. With only three holdings, essentially 100% of portfolio risk is concentrated among them, so changes in any one ETF can be clearly felt in overall volatility.
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 shows the current portfolio sitting right on or very close to the efficient frontier. The efficient frontier is the curve of the best achievable return for each risk level using only these existing holdings. The current Sharpe ratio — a measure of return per unit of risk, after adjusting for a 4% risk‑free rate — is 0.71. The maximum Sharpe portfolio on the same curve scores 0.94 with slightly higher risk, while the minimum variance mix has a Sharpe of 0.85 at lower risk. The key point: within this three‑ETF set, the existing allocation is already quite efficient, delivering a reasonable balance between volatility and expected return.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco NASDAQ 100 ETF 0.40%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Weighted yield (per year) 0.85%
The overall dividend yield of the portfolio is about 0.85%, with the highest yield coming from the small‑cap value ETF at 1.30% and the lowest from the NASDAQ 100 ETF at 0.40%. Dividend yield is the annual cash payout as a percentage of the investment amount, like interest on a savings account but not guaranteed. In this case, income plays a relatively small role in total return; most of the portfolio’s historical growth has come from price changes rather than dividends. That’s common for growth‑oriented equity mixes. It also means that any cash needs from the portfolio would mostly rely on selling shares rather than living off a large stream of dividend payments.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.09%
The blended ongoing cost, or Total Expense Ratio (TER), is about 0.09%, which is very low by industry standards. TER is the annual fee charged by the funds, taken out of returns automatically, similar to a membership fee. The largest position, the Vanguard total market ETF, is especially cheap at 0.03%, helping pull the average down, while the small‑cap value ETF is higher at 0.25% but only a small slice of the portfolio. Keeping costs this low helps more of the portfolio’s gross return stay in the account over time. This cost structure is a real strength and supports better compounding over long horizons.
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