Strongly US focused growth portfolio with momentum tilt and concentrated technology exposure
Report created on Aug 5, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 25.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 20.00% -
SC Schwab U.S. Small-Cap ETF
SCHA - US8085246077 15.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 15.00% -
SC Schwab International Equity ETF
SCHF - US8085248057 15.00% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 10.00%
This portfolio is a 100% stock mix built entirely with ETFs, so it’s clearly in the growth-oriented camp. Roughly three quarters sit in US-focused funds across large-cap growth, momentum, small caps, dividends, and a dedicated semiconductor slice. The remaining chunk goes to broad international equities, adding some non-US exposure without diluting the core US theme. Having multiple style ETFs (growth, dividend, momentum, small-cap) gives several “angles” on the equity market using low-cost index funds. Overall, the structure leans toward return potential over stability, which is consistent with its growth risk score. The use of diversified ETFs rather than single stocks helps spread risk, even though some underlying themes and companies still stand out.
Growth
Historically, $1,000 invested in this portfolio in 2016 grew to about $5,576, which is a very strong result. The compound annual growth rate (CAGR) of 20.79% handily beat both the US market at 16.41% and the global market at 13.44%. CAGR is like your average “cruise speed” over the whole journey, smoothing out bumps along the way. Max drawdown, the worst peak-to-trough fall, was around -33%, very similar to the benchmarks, and the portfolio recovered in a few months after the 2020 drop. Most of the gains came from just 42 days, highlighting how a small number of strong days can drive long-term results. As always, past performance doesn’t guarantee anything about the future.
Projection
The forward projection uses a Monte Carlo simulation, which basically reruns history a thousand different ways to see a wide range of possible outcomes. It takes the portfolio’s past return and volatility patterns, then shuffles them randomly to build many plausible 15-year futures. In these simulations, $1,000 most often ends around $2,761, with a “middle” range from about $1,738 to $4,071. There are also more extreme paths, from near break-even to very strong growth. The average annualized return across all simulations is about 8.09%, noticeably lower than the historical 20.79%, reflecting more realistic expectations. These results are not forecasts or promises; they just show how bumpy and uncertain real-world paths can be, even when the long-run average looks solid.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash, or alternatives. That creates a clear profile: higher expected returns over long periods but also bigger swings along the way than a mix including bonds. A 100% equity allocation often tracks economic and earnings cycles more closely, so it can rise strongly in good times and fall sharply in stress periods. Compared with typical broad benchmarks that mix in some bonds or defensive assets, this is more aggressive in terms of asset-class risk. The benefit is simplicity and long-term growth focus, while the trade-off is less built-in cushioning during market downturns, especially for shorter holding periods.
Sectors
- Technology 39%
- Financials 11%
- Industrials 11%
- Health Care 11%
- Telecommunications 7%
- Consumer Discretionary 6%
- Consumer Staples 6%
- Energy 5%
- Basic Materials 2%
- Real Estate 2%
- Utilities 1%
Sector-wise, technology stands out at 39%, helped by the dedicated semiconductor ETF and growth-oriented US funds. Financials, industrials, and health care sit around the low double digits, while other sectors like telecom, consumer areas, energy, and materials are smaller but still present. Compared with a broad US or global index, this is clearly more tech-heavy. That can boost returns when innovation and digital trends are rewarded, but it usually brings higher volatility and sensitivity to interest-rate moves or shifts in investor sentiment toward growth companies. The presence of more defensive sectors like consumer staples, health care, and utilities adds some balance, though they are secondary to the tech theme.
Regions
- North America 85%
- Europe Developed 8%
- Japan 3%
- Asia Developed 3%
- Australasia 1%
Geographically, about 85% of the portfolio is in North America, with much smaller slices in developed Europe, Japan, other developed Asia, and Australasia. That’s a clear home bias toward the US and nearby markets, compared with global indices where the US is large but not this dominant. A strong US tilt has been rewarding over the last decade, given US market leadership and the strength of large American companies. At the same time, it ties most of the portfolio’s fate to one region’s economy, regulation, and currency. The non-US allocation still helps diversify corporate earnings and policy environments, but it plays a supporting role rather than an equal partner.
Market capitalization
- Large-cap 36%
- Mega-cap 34%
- Mid-cap 14%
- Small-cap 9%
- Micro-cap 5%
By company size, the portfolio spreads across mega-cap, large-cap, mid-cap, small-cap, and even a bit of micro-cap stocks. Mega and large caps together make up about 70%, which aligns with broad market patterns where the biggest companies dominate. The deliberate 15% allocation to a US small-cap ETF increases exposure to smaller firms, which tend to be more volatile but can have higher growth potential and behave differently across economic cycles. Micro-cap exposure, although small, adds another layer of risk and diversification. This size mix means the portfolio doesn’t rely solely on the largest names, yet still anchors heavily in the deep, liquid end of the market.
True holdings
-
NV NVIDIA Corporation 6.08%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Schwab U.S. Large-Cap Growth ETF
- VanEck Semiconductor ETF
-
AV Broadcom Inc 3.11%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Schwab U.S. Large-Cap Growth ETF
- VanEck Semiconductor ETF
-
MU Micron Technology Inc 3.06%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- VanEck Semiconductor ETF
-
AA Apple Inc. 2.12%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class A 1.95%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Schwab U.S. Large-Cap Growth ETF
-
AM Advanced Micro Devices Inc 1.60%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- VanEck Semiconductor ETF
-
GO Alphabet Inc Class C 1.56%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Schwab U.S. Large-Cap Growth ETF
-
MS Microsoft Corporation 1.24%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
JN Johnson & Johnson 1.15%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
AM Amazon.com Inc 0.95%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Top 10 total 22.83%
Looking through the ETFs to their top holdings, a few names clearly drive a noticeable chunk of exposure. NVIDIA alone shows up at just over 6% of the total portfolio, reflecting overlap between the semiconductor and momentum/growth funds. Broadcom and Micron each exceed 3%, while Apple, Alphabet (both share classes), Microsoft, Amazon, and Johnson & Johnson all appear meaningfully. Because only top-10 positions are used, actual overlaps are likely higher than reported. This means the portfolio is more concentrated in a handful of large technology and communication-related companies than the ETF list suggests at first glance, which can amplify both upside and downside linked to these specific giants.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility is broadly neutral, sitting around the 50% mark for each. Factors are like underlying “traits” of the portfolio, such as favoring cheap stocks (value) or stable ones (low volatility), that academic research links to returns over time. Here, the blend of growth, momentum, dividend, and small-cap ETFs seems to average out to a market-like profile rather than a strong tilt in any single direction. That’s actually quite balanced: the portfolio isn’t heavily leaning into or away from any classic factor, which can help avoid being overly dependent on one style winning or losing in a given market environment.
Risk contribution
-
Invesco S&P 500® Momentum ETF
Weight: 25.00% 25.3% -
Schwab U.S. Large-Cap Growth ETF
Weight: 20.00% 21.1% -
Schwab U.S. Small-Cap ETF
Weight: 15.00% 16.1% -
VanEck Semiconductor ETF
Weight: 10.00% 15.1% -
Schwab International Equity ETF
Weight: 15.00% 11.7% - Top 5 risk contribution 89.3%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weights. The Invesco S&P 500 Momentum and Schwab Large-Cap Growth funds each contribute risk roughly in line with their sizes, which is what you’d expect. The standout is the VanEck Semiconductor ETF: at 10% weight, it contributes about 15% of total risk, meaning it punches above its size in volatility. The international equity ETF does the opposite, contributing less risk than its weight. The top three holdings account for over 60% of total risk, so day-to-day movements are dominated by that core US growth and small-cap cluster.
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 vs. return chart, the current portfolio sits below the efficient frontier by about 2.6 percentage points at its risk level. The efficient frontier is the curve of the best achievable return for each risk level using only these existing holdings but in different weightings. The Sharpe ratio, which measures return per unit of risk above the risk-free rate, is 0.76 for the current mix. The optimal portfolio using the same ETFs reaches a Sharpe of 1.07 with higher risk and higher return, while the minimum-variance version has slightly lower risk and similar risk-adjusted efficiency. This suggests that, historically, a different weighting of the same funds could have delivered a somewhat better trade-off between volatility and return.
Dividends
- Schwab U.S. Small-Cap ETF 1.00%
- Schwab U.S. Dividend Equity ETF 3.10%
- Schwab International Equity ETF 3.00%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- VanEck Semiconductor ETF 0.20%
- Invesco S&P 500® Momentum ETF 0.70%
- Weighted yield (per year) 1.34%
The overall dividend yield of about 1.34% is modest, which fits a growth-leaning equity portfolio. Dividends are cash payments from companies, and they can be an important component of long-term total return, especially when reinvested. Here, most of the income comes from the Schwab US Dividend Equity and Schwab International Equity ETFs, both around the 3% range. The growth, momentum, small-cap, and semiconductor funds pay much less, focusing more on price appreciation than cash payouts. This means the portfolio’s return profile is driven more by changes in market value than by regular income, and dividend stability plays a smaller role in the overall experience.
Ongoing product costs
- Schwab U.S. Small-Cap ETF 0.04%
- Schwab U.S. Dividend Equity ETF 0.06%
- Schwab International Equity ETF 0.06%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- VanEck Semiconductor ETF 0.35%
- Invesco S&P 500® Momentum ETF 0.13%
- Weighted costs total (per year) 0.10%
The portfolio’s total ongoing fee (TER) is around 0.10%, which is impressively low for a multi-ETF setup. Most Schwab funds in the mix charge between 0.04% and 0.06%, while the specialized semiconductor ETF is higher at 0.35%, which is common for more niche strategies. Fees may look tiny, but over long periods they compound, just like returns do. Keeping costs near this level gives more of the gross investment performance back to the investor instead of the fund provider. From a fee perspective, this structure is very competitive and aligns well with low-cost best practices, especially given the mix of broad market and more targeted exposures.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey