High growth tilted portfolio with heavy US mega cap tech exposure and strong recent performance
Report created on Apr 1, 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.
What type of investor this portfolio is suitable for
Growth Investors
An investor that fits this style is comfortable with meaningful ups and downs in pursuit of higher long‑term growth. They’re likely focused on building wealth over a decade or more, not funding near‑term expenses, and can ride out 30%‑plus drawdowns without panicking. They probably follow US markets and big tech names, and don’t mind being concentrated there to chase performance. Income isn’t a big priority; they’re fine with low dividends and prefer companies that reinvest. A simple, low‑maintenance ETF setup appeals to them, even if it means less diversification. Emotionally, they value long‑term upside more than short‑term stability and can tolerate seeing their account swing strongly with market cycles.
Positions
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QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 50.00% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 40.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 10.00%
This portfolio is a three‑ETF, 100% stock setup, with a big tilt to growth‑oriented US large caps. About half sits in a NASDAQ 100 fund, 40% in a broad S&P 500 ETF, and 10% in an S&P 500 momentum ETF. So it’s concentrated in one asset class and one country, but uses different index styles to mix faster‑growing names with the wider market. That structure makes the portfolio simple to follow and easy to maintain, which many investors like. The trade‑off is that simplicity comes with low diversification across asset types, so the ride will likely be bumpy when US stocks, especially growth names, are under pressure.
Growth
Over the last five‑plus years, $1,000 grew to about $1,998 here, with a compound annual growth rate (CAGR) of 13.58%. CAGR is like your “average speed” per year over the whole trip, smoothing out the bumps. This beat both the US market and the global market, which is a solid outcome. The flip side is a max drawdown of about -29%, meaning at one point the portfolio was down almost a third from its peak. That kind of drop is normal for growth‑heavy stock portfolios but can be emotionally tough. Past performance is no guarantee, and the strong recent run of US tech especially may not repeat in the same way.
Projection
The Monte Carlo projection uses historical return and volatility patterns to simulate many possible 15‑year futures for a $1,000 investment. Think of it as running 1,000 alternate timelines based on how similar portfolios behaved in the past, not as a prediction. The median outcome around $2,760 implies roughly 8.2% annualized, with a wide but reasonable spread from about $963 to $7,761 in most cases. That 75.9% chance of a positive outcome highlights the long‑term edge of staying invested, but the downside scenarios show real risk of flat or negative results. Simulations are only as good as their assumptions, so they can’t capture regime shifts or future structural changes.
Asset classes
- Stocks 100%
Every dollar here is in stocks, and all via equity ETFs. That’s a very pure growth stance with no bonds, cash‑like instruments, or alternative assets to cushion equity volatility. Compared with a more balanced mix that includes bonds, this structure will typically fall more in stock market downturns but also capture more of the upside in bull markets. For someone still building wealth, that can be acceptable. For anyone needing stability, income, or shorter‑term access to cash, the lack of defensive assets is a real consideration. The positive point is that within equities, the broad S&P 500 slice gives exposure to many different industries and business models.
Sectors
- Technology 43%
- Telecommunications 13%
- Consumer Discretionary 10%
- Health Care 7%
- Consumer Staples 7%
- Industrials 7%
- Financials 6%
- Energy 2%
- Utilities 2%
- Basic Materials 2%
- Real Estate 1%
Sector‑wise, the portfolio leans heavily into technology at 43%, with telecom and consumer discretionary also meaningful. This is higher tech exposure than broad US benchmarks and closer to a growth‑style profile. Tech leadership has powered returns recently, which shows up in the strong performance versus benchmarks. But tech‑heavy portfolios can be more sensitive to interest rate moves, regulatory news, and shifts in innovation cycles. When investors rotate away from growth or high‑valuation names, these kinds of allocations can underperform sharply. The flip side is that the portfolio still keeps some balance with exposure to healthcare, consumer staples, financials, and industrials to help dampen an all‑or‑nothing tech bet.
Regions
- North America 99%
- Europe Developed 1%
Geographically, this is almost a pure North America play at 99%, with only a token 1% in developed Europe. That means the portfolio’s fate is closely tied to the US economy, US interest rates, policy decisions, and the dollar. This alignment has been a tailwind over the last decade, as US markets have outpaced many others. It also means there’s little direct benefit if other regions outperform going forward, or if the dollar weakens. For investors whose job, home, and future spending are already US‑centric, this can amplify “home country risk.” On the plus side, the focus makes the portfolio easier to follow, since most names are familiar.
Market capitalization
- Mega-cap 49%
- Large-cap 36%
- Mid-cap 14%
Market cap exposure is skewed toward the biggest companies: about half in mega‑caps, over a third in large‑caps, and a modest 14% in mid‑caps. Mega‑caps tend to be more stable than smaller firms and often have entrenched market positions, which can reduce company‑specific blowups but increase sensitivity to broad market sentiment. Because many mega‑caps also appear in multiple ETFs, their influence is magnified. Less exposure to smaller companies means less access to that size “risk premium” that sometimes boosts long‑term returns, but also less small‑cap volatility. Overall, this profile fits a growth investor who still prefers well‑known, widely followed names over riskier small caps.
True holdings
-
NV NVIDIA Corporation 8.13%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 6.47%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 4.78%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.68%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 3.39%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 3.24%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.94%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 2.68%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 2.62%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
WM Walmart Inc. Common Stock 1.69%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 39.60%
Looking through the ETFs, there’s clear concentration in a handful of mega‑cap names. NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Tesla, Meta, and Walmart appear repeatedly across funds, with NVIDIA alone around 8% and Apple about 6.5% of the total. Because only top‑10 ETF holdings are shown, real overlap is probably higher. This “hidden” stacking means the portfolio depends heavily on a small group of large companies for returns. That can be great when they do well, but it also means company‑specific shocks or sector headwinds will ripple strongly through the portfolio despite holding multiple ETFs.
Factors
Factor exposure is moderately tilted away from value and yield, with both sitting in the “low” range. Factors are like the underlying traits that drive returns — value, size, momentum, quality, low volatility, and yield. A low value score means the portfolio leans toward more expensive, growthy companies rather than bargain‑priced ones. Low yield reflects a focus on firms that reinvest earnings rather than paying them out. Momentum and quality sit near neutral, meaning no big tilt toward or away from recent winners or financially strong, stable companies. This setup tends to shine when growth stocks are in favor, but it may lag when markets reward cheaper, high‑dividend, or more defensive names.
Risk contribution
-
Invesco NASDAQ 100 ETF
Weight: 50.00% 57.2% -
Vanguard S&P 500 ETF
Weight: 40.00% 33.9% -
Invesco S&P 500® Momentum ETF
Weight: 10.00% 8.9%
Risk contribution shows how much each ETF drives the portfolio’s ups and downs, which can differ from simple weights. Here, the NASDAQ 100 fund is 50% of the portfolio but contributes about 57% of the risk, so it’s slightly more “loud” than its size. The S&P 500 ETF, at 40% weight, adds only about 34% of risk, acting as a stabilizer, while the momentum ETF’s risk lines up closely with its 10% weight. This tells you that, in practice, the overall experience is dominated by NASDAQ‑style volatility. Adjusting position sizes over time is one way investors can bring risk contributions closer to what they’re comfortable with, without changing the actual holdings.
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.
Sharpe ratios in this chart use the active CMA risk-free rate of 4.00% annualized.
Click on the colored dots to explore allocations.
On the risk‑return chart, the current portfolio sits below the efficient frontier, with a Sharpe ratio of 0.56 versus 0.82 for the optimal mix. The Sharpe ratio measures return per unit of risk, after accounting for a risk‑free rate — higher means better risk‑adjusted performance. Being about 1.9 percentage points below the frontier at its current risk level suggests there’s room to improve just by reweighting the three existing ETFs. The minimum variance portfolio on the same set of holdings offers lower risk with a still‑solid Sharpe of 0.77. That means a different combination of these same funds could deliver a smoother ride, or potentially higher expected return, without adding anything new.
Dividends
- Invesco NASDAQ 100 ETF 0.50%
- Invesco S&P 500® Momentum ETF 0.90%
- Vanguard S&P 500 ETF 1.20%
- Weighted yield (per year) 0.82%
The overall dividend yield is modest at about 0.82%, with the broad S&P 500 ETF providing the highest yield of the three at 1.2%. Dividends are cash payments from companies to shareholders and can be a steady part of total return, especially for income‑focused investors. Here, the low yield fits the growth‑tilted design: many tech and momentum names reinvest profits to expand rather than paying high dividends. That can be attractive for long‑term capital appreciation, but it means the portfolio isn’t built to fund regular withdrawals from income alone. For someone reinvesting all dividends, even a small yield still compounds over time.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.10%
Total ongoing costs are very low, with a blended total expense ratio (TER) of about 0.10%. TER is the annual fee charged by a fund, taken out of its assets — you don’t see a bill, but it slightly reduces returns each year. Being around a tenth of a percent is firmly in the “cost‑efficient” zone and compares well with typical ETF ranges. Costs are one of the few things investors can control, and low fees directly support better long‑term results by leaving more of the gross return in your pocket. This is a clear strength of the setup and a solid foundation for compounding.
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