Concentrated growth portfolio with strong US focus and several speculative thematic satellite positions
Report created on Apr 28, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 45.00% -
VE Vanguard FTSE Developed Markets Index Fund ETF Shares
VEA - US9219438580 15.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
MU Micron Technology Inc
MU - US5951121038 10.00% -
XB SPDR® S&P Biotech ETF
XBI - US78464A8707 8.00% -
UR Global X Uranium ETF
URA - US37954Y8710 3.50% -
RE VanEck Rare Earth/Strategic Metals ETF
REMX - US92189H8051 3.00% -
CR Crispr Therapeutics AG
CRSP - CH0334081137 2.00% -
MP MP Materials Corp
MP - US5533681012 2.00% -
LE Centrus Energy Corp.
LEU - US15643U1043 1.50%
This portfolio is built around a broad US equity core, with about half in a large US index ETF and another slice in developed ex‑US markets. Around a third of the holdings are in more specialized pieces: US small-cap value, biotech, uranium, rare earths, and a few single stocks. Everything is in equities, so there is no built‑in buffer from bonds or cash. Structurally, this is a “core and satellites” approach, where a diversified base is combined with targeted, higher‑risk ideas. That design can amplify both gains and losses, especially because several satellites are in niche or cyclical areas that can swing more than the broad market.
Growth
Over the period from mid‑2020 to April 2026, a hypothetical $1,000 in this portfolio grew to about $3,638. That translates to a compound annual growth rate (CAGR) of 24.86%, meaning the investment grew as if it earned roughly 24.86% every year on average. This clearly outpaced both the US market (16.90%) and the global market (14.68%) over the same stretch. The trade‑off is sharp swings: the worst peak‑to‑trough drop was about -28.6%, deeper than the US market. It took roughly 18 months to recover, showing that while returns have been strong, patience through sizeable drawdowns has been required.
Projection
The Monte Carlo simulation projects many possible 15‑year paths by “re‑mixing” patterns from historical data. Think of it as running the next 15 years a thousand different ways, based on how similar portfolios have behaved before. The median outcome grows $1,000 to about $2,693, or a moderate long‑term gain. But the range is wide: from roughly flat at the low end to several multiples higher at the top. This spread reflects the uncertainty of relying on past data; markets rarely repeat exactly. The key message is that future returns could be much lower or higher than recent history, and the equity‑only structure keeps the downside possibilities very real.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with 0% in bonds, cash, or alternatives. Asset classes—like equities, bonds, and cash—tend to respond differently to economic shocks, which is why mixing them often smooths the ride. Here, the absence of other asset classes means the portfolio is fully exposed to equity market ups and downs. Compared with typical diversified mixes that blend in some fixed income, this structure leans harder into growth potential but also into volatility. In strong equity markets, that can be beneficial, but in broad downturns there is little internal ballast, so portfolio value can move more sharply.
Sectors
- Technology 28%
- Health Care 16%
- Financials 12%
- Industrials 9%
- Energy 8%
- Basic Materials 8%
- Consumer Discretionary 8%
- Telecommunications 6%
- Consumer Staples 4%
- Utilities 2%
- Real Estate 1%
Sector exposure is reasonably spread, but with a clear tilt toward economically sensitive, growth‑oriented areas. Technology is the largest slice at 28%, followed by health care at 16% and financials at 12%, with the rest distributed across industrials, energy, basic materials, consumer groups, telecoms, utilities, and real estate. Compared with global benchmarks, this is somewhat more tilted toward tech, health care, and resource‑linked themes, especially given the specific biotech, uranium, and rare earth holdings. Those sectors can experience bigger booms and busts, particularly around interest rate shifts, innovation cycles, or commodity price spikes, which helps explain the portfolio’s stronger gains and larger drawdowns.
Regions
- North America 81%
- Europe Developed 10%
- Japan 3%
- Asia Developed 2%
- Australasia 2%
- Asia Emerging 1%
Geographically, this portfolio is strongly anchored in North America at 81%, with the remainder mostly in developed regions like Europe, Japan, and other developed Asia. Global equity benchmarks typically have a large US allocation but often closer to 60% rather than above 80%. This means the portfolio’s fortunes are closely tied to the US economy, policy, and currency. The modest exposure outside North America still adds some global flavor, but the overall mix remains US‑centric. When US markets lead, this alignment can be advantageous; when other regions outperform or the dollar weakens, the portfolio may not capture as much of that global diversification benefit.
Market capitalization
- Mega-cap 38%
- Large-cap 26%
- Mid-cap 17%
- Small-cap 11%
- Micro-cap 8%
The portfolio spans the full market‑cap spectrum: about 38% in mega‑caps, 26% in large‑caps, and the rest in mid, small, and even micro‑caps. Market capitalization (company size) matters because smaller firms often move more sharply—both up and down—than household‑name giants. Benchmarks are usually more concentrated in mega and large‑caps than this portfolio, so the 19% combined weight in small and micro‑caps stands out. That enhances exposure to potentially higher‑growth but more volatile companies. The mix of very large, stable leaders and much smaller, niche players creates a blend where the big names provide some stability while smaller names inject extra risk and opportunity.
True holdings
-
-
NV NVIDIA Corporation 3.41%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc 3.00%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 2.21%
Part of fund(s):- Vanguard S&P 500 ETF
-
Part of fund(s):
- VanEck Rare Earth/Strategic Metals ETF
-
-
AM Amazon.com Inc 1.64%
Part of fund(s):- Vanguard S&P 500 ETF
-
-
GO Alphabet Inc Class A 1.35%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.18%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 28.46%
Looking through the ETFs, Micron, CRISPR, MP Materials, and Centrus appear both directly and (for MP) indirectly, while mega‑cap tech names like Nvidia, Apple, Microsoft, Amazon, Alphabet, and Broadcom show up via the index funds. Overlap—where the same stock appears in multiple holdings—can quietly increase concentration. For example, Micron is a full 10% position on its own, and MP Materials edges higher than its direct 2% due to ETF exposure. Coverage here only includes ETF top‑10 holdings, so hidden overlap is likely understated. This means the portfolio is a bit more concentrated in a handful of names and themes than headline ticker counts suggest.
Factors
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.
Factor exposures—value, size, momentum, quality, yield, and low volatility—are all close to neutral, hovering around 50%. You can think of factors as investment “personalities” that help explain why portfolios behave the way they do. A neutral profile like this means the portfolio’s overall behavior is broadly similar to the wider equity market, rather than strongly leaning into, say, deep value or high momentum. That’s interesting given the presence of thematic and small‑cap holdings; those add idiosyncratic bets without shifting the classic factor style much. In practice, performance is likely driven more by sector and stock‑specific moves than by systematic factor tilts.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 45.00% 34.3% -
Micron Technology Inc
Weight: 10.00% 18.0% -
Vanguard FTSE Developed Markets Index Fund ETF Shares
Weight: 15.00% 10.3% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 9.4% -
SPDR® S&P Biotech ETF
Weight: 8.00% 9.1% - Top 5 risk contribution 81.0%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ a lot from simple weights. Here, the top three holdings account for about 63% of total risk. The broad S&P 500 ETF is 45% of the portfolio but only about 34% of risk, reflecting its diversified nature. In contrast, Micron is 10% of the weight yet nearly 18% of risk, a sign of its higher volatility. The biotech ETF also punches above its size in risk terms. This pattern means a relatively small set of positions—especially Micron and the more speculative satellites—has an outsized influence on day‑to‑day and year‑to‑year fluctuations.
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 efficient frontier chart compares this portfolio’s risk/return tradeoff to the best combinations possible using the same holdings. The Sharpe ratio—return per unit of volatility—is 0.94, while the optimal mix on the frontier reaches 1.33 and even the minimum‑variance version comes in at 0.91. Being about 2.9 percentage points below the frontier at the current risk level means, historically, a different weighting of these same positions could have delivered higher return for the same volatility. The good news is the gap isn’t enormous; the existing allocation is reasonably efficient, but not quite making the most of what the chosen building blocks could offer.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Micron Technology Inc 0.10%
- VanEck Rare Earth/Strategic Metals ETF 1.30%
- Global X Uranium ETF 3.70%
- Vanguard FTSE Developed Markets Index Fund ETF Shares 2.80%
- Vanguard S&P 500 ETF 1.10%
- SPDR® S&P Biotech ETF 0.30%
- Weighted yield (per year) 1.25%
The portfolio’s overall dividend yield sits around 1.25%, modest by equity standards. Yield is the cash income paid out by holdings, expressed as a percentage of price, and can be an important component of long‑term returns. Here, most of the yield comes from the broad developed‑market ETFs and the small‑cap value fund, with some help from uranium and rare‑earth ETFs. The more speculative growth and biotech positions contribute very little income. This structure signals a focus on potential capital appreciation rather than cash payouts. Total return can still be strong, but investors relying on steady income would see relatively limited support from dividends alone.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- VanEck Rare Earth/Strategic Metals ETF 0.54%
- Global X Uranium ETF 0.69%
- Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
- Vanguard S&P 500 ETF 0.03%
- SPDR® S&P Biotech ETF 0.35%
- Weighted costs total (per year) 0.11%
Cost‑wise, this portfolio is quite efficient, with a blended ongoing fee (TER) of about 0.11%. That’s driven by very low‑cost core index funds and only moderately priced satellites. Ongoing fees might look small in a single year, but they compound over time, so keeping them low leaves more of the gross return in the investor’s pocket. Compared with the cost levels of many actively managed funds, this total expense ratio is impressively low and broadly aligned with best practices for cost‑conscious investing. It provides a solid foundation where performance is mostly determined by market behavior and allocation choices rather than fee drag.
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