High octane equity growth mix with strong US exposure and focused momentum and tech themes

Report created on Apr 6, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is a pure equity mix with 100% in stock ETFs, heavily anchored by a broad US large‑cap fund at 40%. Around 30% tilts toward momentum strategies across large and mid caps, and 15% goes to US small‑cap value, adding a more contrarian flavor. A 12.5% slice in a dedicated semiconductor ETF is a targeted growth bet, while 10% in a broad international fund provides some non‑US exposure. This structure leans clearly toward growth and capital appreciation rather than stability or income. For someone comfortable with swings in value, concentrating entirely in equities like this can be reasonable, but it means drawdowns will likely be sharp when markets fall and there’s no built‑in ballast from bonds or cash.

Growth Info

Historically, this mix has delivered very strong results: a $1,000 investment grew to about $3,040, with a compound annual growth rate (CAGR) of 18.66%. CAGR is the “average yearly speed” of growth over the whole period, smoothing out the bumps. That’s roughly 4 percentage points per year above the US market and more than 6 above the global market, which is excellent. The trade‑off is notable downside: the worst drop was about ‑34.9% in early 2020, just slightly worse than the benchmarks. The portfolio recovered in about four months, which is quick, but anyone holding it had to sit through a very sharp, stressful fall and stay invested to earn those gains.

Projection Info

The Monte Carlo projection uses thousands of simulated paths, based on historical returns and volatility, to imagine many different 15‑year futures. Think of it as running the market timeline forward 1,000 different ways and seeing where a $1,000 investment might land. The median outcome is about $2,702, with a wide “likely” range between roughly $1,780 and $4,141, and extreme paths stretching from about break‑even to above $7,000. The average simulated annual return of about 7.95% is much lower than the recent historical 18.66%, underlining that past outperformance is not guaranteed. These simulations are helpful for setting expectations, but they’re still based on the past and can’t predict rare, future‑specific shocks.

Asset classes Info

  • Stocks
    100%

All of the capital is in stocks, with no allocation to bonds, cash, or alternative assets. That’s a clear, intentional growth stance. Equities historically offer the highest long‑term returns versus other asset classes, but they also bring the steepest drawdowns when markets stumble. In contrast, including bonds or cash typically reduces the overall swings, even though it lowers expected return. For someone with a long time horizon and the ability to sit through volatility without selling at the worst times, an equity‑only structure can be workable. For anyone with shorter goals or less risk tolerance, the lack of stabilizing assets could feel uncomfortable during big market selloffs.

Sectors Info

  • Technology
    36%
  • Industrials
    13%
  • Financials
    12%
  • Consumer Discretionary
    8%
  • Health Care
    7%
  • Telecommunications
    7%
  • Energy
    6%
  • Consumer Staples
    4%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector‑wise, technology is the standout at about 36% of the equity exposure, materially above broad global or US benchmarks. Industrials and financials form the next layers, while areas like utilities and real estate sit at the low single‑digit level. A heavy tech and semiconductor tilt tends to do very well in growth, innovation, and low‑rate environments, but it can be hit hard when interest rates rise, when regulators tighten rules, or when sentiment rotates toward more defensive industries. This allocation is not wildly out of line with modern benchmarks that are tech‑heavy too, but it’s definitely on the more aggressive, growth‑oriented side, especially when combined with the dedicated semiconductor ETF.

Regions Info

  • North America
    87%
  • Europe Developed
    5%
  • Asia Developed
    3%
  • Japan
    2%
  • Asia Emerging
    2%
  • Latin America
    1%

Geographically, roughly 87% sits in North America, with only modest exposure to Europe, Japan, and emerging markets. This is more US‑centric than a typical global market index, where the US is big but not quite this dominant. A US tilt has been rewarded over the last decade, so aligning closely with that trend has helped returns. The flip side is less diversification by economy, currency, regulation, and political risk. If US equities underperform other regions for a stretch, this portfolio will feel it more than a globally balanced mix. The international slice is a good step in the right direction, but it’s clearly a supporting role rather than a core driver of outcomes.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    31%
  • Mid-cap
    16%
  • Small-cap
    12%
  • Micro-cap
    7%

Market cap exposure is fairly spread out: roughly a third in mega‑caps and another third in large‑caps, with the remaining third across mid, small, and even some micro‑cap stocks. This combination means the portfolio captures the stability and global reach of giants like Apple and Microsoft while also tapping into the higher growth and higher volatility typical of smaller companies. The dedicated small‑cap value fund and mid‑cap momentum fund are key to this. Compared with a plain large‑cap index, this structure should move more sharply in both directions. It’s a positive sign from a diversification standpoint across company sizes, but it does add another layer of volatility to the ride.

True holdings Info

  • NVIDIA Corporation
    6.77%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • VanEck Semiconductor ETF
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    3.05%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • VanEck Semiconductor ETF
    • Vanguard S&P 500 ETF
  • Apple Inc
    2.66%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    1.98%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    1.97%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    1.57%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard S&P 500 ETF
  • Taiwan Semiconductor Manufacturing
    1.45%
    Part of fund(s):
    • VanEck Semiconductor ETF
  • Amazon.com Inc
    1.39%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Lam Research Corp
    1.05%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • VanEck Semiconductor ETF
  • Meta Platforms Inc.
    0.96%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Top 10 total 22.84%

Looking through the ETF top holdings, a few giant names stand out: NVIDIA, Broadcom, Apple, Microsoft, Alphabet, Amazon, Meta, and Taiwan Semiconductor together take up a meaningful slice. NVIDIA alone is roughly 6.8% of the total portfolio via multiple funds, with other mega‑caps showing up more than once. Overlap like this creates “hidden” concentration: you may think you’re diversified across different ETFs, but the same stars can dominate performance. Because we only see top‑10 ETF holdings, the actual overlap is likely higher. The takeaway is that portfolio behavior will be strongly influenced by a relatively small set of big tech and semiconductor companies, for better or worse.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 100%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Neutral
Data availability: 100%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure here is surprisingly balanced given the specialized ETFs involved. Across value, size, momentum, quality, yield, and low volatility, the scores all sit in the “neutral” band around 50%. Factor exposure just means how much the portfolio leans into certain characteristics that research has tied to returns over time, like cheaper valuations (value) or recent winners (momentum). A neutral profile suggests that, overall, the different tilts are offsetting one another, and behavior should look broadly similar to the broad market rather than heavily dominated by any single style. That’s a nice outcome: you get the benefit of some focused strategies without becoming overly exposed to a single factor cycle.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 40.00%
    36.2%
  • VanEck Semiconductor ETF
    Weight: 12.50%
    18.1%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 15.00%
    16.6%
  • Invesco S&P 500® Momentum ETF
    Weight: 15.00%
    14.0%
  • Invesco S&P MidCap Momentum ETF
    Weight: 7.50%
    7.6%
  • Top 5 risk contribution 92.4%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. The broad S&P 500 ETF is 40% of assets but contributes about 36% of risk, so it’s relatively stabilizing for such a large position. The standout is the semiconductor ETF: at 12.5% weight, it adds about 18% of the risk, meaning it punches above its size. Small‑cap value also contributes slightly more risk than its weight, while the momentum funds are closer to proportional. The top three positions together drive over 70% of total volatility. That’s not necessarily bad, but it means a few key ETFs will largely determine whether the portfolio feels smooth or rough in any given period.

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 current portfolio has a Sharpe ratio of 0.68, measuring return per unit of volatility above the risk‑free rate. The efficient frontier shows the best possible trade‑offs using just these holdings in different weights. Right now, the portfolio sits about 1.09 percentage points below that frontier at its current risk level, meaning it’s reasonably good but not fully optimized. There’s also an “optimal” mix with a higher Sharpe of 0.97 and a minimum‑risk mix with lower volatility but still solid returns. The key point: even without adding new funds, slight reweighting across what’s already here could potentially improve risk‑adjusted performance, especially if the goal is either smoother returns or a more efficient level of risk.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.40%
  • VanEck Semiconductor ETF 0.30%
  • Invesco S&P 500® Momentum ETF 0.90%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • Invesco S&P MidCap Momentum ETF 0.70%
  • Weighted yield (per year) 1.22%

The portfolio’s total dividend yield is about 1.22%, which is modest and consistent with a growth‑oriented equity stance. Dividend yield is just the annual cash payouts as a percentage of the current price. The broad US and international funds provide most of the income, while the momentum and semiconductor ETFs are more about price appreciation than cash flow. For an investor focused on long‑term growth, a lower yield can be fine, especially when dividends are automatically reinvested to buy more shares. For someone seeking substantial regular income from investments, this setup might feel light, since the majority of expected return would be coming from price changes rather than ongoing cash distributions.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • VanEck Semiconductor ETF 0.35%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.14%

The blended total expense ratio (TER) of the portfolio is around 0.14%, which is impressively low given the presence of specialized strategies like small‑cap value, momentum, and semiconductors. TER is the annual percentage fee charged by the funds to cover their operating costs. Keeping this number small is a quiet but powerful way to improve long‑term results, because every dollar not spent on fees stays invested and compounds. Some holdings are ultra‑cheap core building blocks, like the S&P 500 and total international funds, which helps offset slightly higher costs in the thematic and factor ETFs. Overall, costs are a real strength here and align well with best practices for long‑term investing.

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