Focused US stock portfolio leaning heavily into broad market and technology growth exposure
Report created on Apr 13, 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.
Positions
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VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 90.00% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 10.00%
The portfolio is made up of just two ETFs: a broad US total stock market fund at 90% and a dedicated technology fund at 10%. That means everything here is in stocks, with a strong tilt toward one country and one major growth sector. Structurally, this is simple and easy to understand, which is a plus. But the simplicity also explains the “Low Diversity” score: most of the risk is coming from the same general place. For someone comfortable with stock market swings, this can be fine, but anyone wanting smoother returns might consider blending in other asset types outside pure equities.
Growth
Since 2016, a $1,000 investment in this mix would have grown to about $4,034, with a compound annual growth rate (CAGR) of 15.03%. CAGR is like your average speed on a long road trip, smoothing out bumps along the way. That slightly beats the US market and clearly beats the global market, which is a strong outcome. The worst drop was about -34.6% during early 2020, roughly in line with broad markets, and it recovered in around four months. This shows the portfolio has been rewarding but definitely not gentle, which matches a growth‑oriented risk profile.
Projection
The Monte Carlo simulation projects many possible 15‑year paths based on how similar portfolios have behaved historically. Think of it as running 1,000 “what if” market histories using past volatility and returns. The median outcome turns $1,000 into about $2,669, with a typical middle-range from roughly $1,752 to $4,246. There’s about a 71% chance of ending positive, and the average annualized return across simulations is around 8.03%. These are not promises — they just show a wide range of plausible futures. The key takeaway is that long‑term equity investing has historically skewed positive, but with a big spread between good and bad scenarios.
Asset classes
- Stocks 100%
All of this portfolio is in one asset class: stocks. That lines up with its “Growth Investor” label and explains both the strong historical returns and the meaningful drawdowns. Asset classes like bonds, real estate, or cash-like holdings typically move differently from stocks and can smooth the ride, especially during big market selloffs. Here, there’s no such cushion, so portfolio ups and downs will largely mirror stock market cycles. This can be perfectly acceptable for a long‑term, high‑risk approach, but it does mean that short‑term stability or capital preservation is not the primary design objective.
Sectors
- Technology 38%
- Financials 11%
- Health Care 9%
- Industrials 9%
- Consumer Discretionary 9%
- Telecommunications 9%
- Consumer Staples 5%
- Energy 3%
- Real Estate 2%
- Utilities 2%
- Basic Materials 2%
Sector-wise, the portfolio leans heavily into technology at about 38%, with the rest spread across financials, health care, industrials, consumer, telecom, and smaller allocations to energy, real estate, utilities, and materials. A typical broad market is more balanced, so this is meaningfully tech‑tilted. That’s helped in a decade where tech has led markets, but it also means more sensitivity to things like interest rate moves, regulatory changes, or slowdowns in corporate IT spending. The broader sector exposure from the total market ETF is a positive, yet the extra tech slice raises overall cyclicality and volatility, especially during growth‑stock corrections.
Regions
- North America 99%
Geographically, about 99% of the equity exposure is in North America, essentially the US. That explains why performance is close to the US market and better than the global market, since the US has outpaced many regions over this period. The trade‑off is heavy reliance on one economy, one political system, and one currency. While many US companies earn revenue worldwide, home‑market shocks or US‑specific policy changes can hit this portfolio more than a regionally diversified one. For someone who lives, earns, and spends in dollars, that currency alignment is convenient, but it does mean most eggs are in the US basket.
Market capitalization
- Mega-cap 42%
- Large-cap 30%
- Mid-cap 18%
- Small-cap 7%
- Micro-cap 2%
By market capitalization, the portfolio is anchored in large and mega‑cap stocks, with about 72% in those biggest names, plus meaningful mid‑cap and some small and micro‑cap exposure. That’s quite similar to a typical total-market profile, which is a strength: you’re getting broad participation across company sizes rather than a narrow focus on either giants or tiny firms. Larger companies tend to be more stable and liquid, while smaller ones can be more volatile but offer higher growth potential. This blend provides a nice balance of stability and upside within the equity universe, especially given the heavy tech and US tilts elsewhere.
True holdings
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NV NVIDIA Corporation 7.37%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 6.88%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 5.01%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.75%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.49%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.47%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.94%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.92%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.55%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
BR Berkshire Hathaway Inc 1.23%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 33.60%
Looking through the ETFs, the biggest underlying exposures are familiar mega-cap names like NVIDIA, Apple, Microsoft, Amazon, Broadcom, Alphabet, Meta, Tesla, and Berkshire Hathaway. Several of these show up in both the total market and tech ETF, creating “hidden” concentration because the same companies are effectively owned twice. Coverage only reflects ETF top-10 positions, so true overlap is likely higher. This concentration means a handful of large growth companies play an outsized role in returns. When they do well, performance can shine, but if they stumble, the overall portfolio may feel the hit more than a more evenly spread setup would.
Factors
Factor exposure here is broadly neutral across all six major factors: value, size, momentum, quality, yield, and low volatility. Factor exposure describes how much a portfolio leans into specific traits that research has linked to returns, like favoring cheap stocks (value) or stable ones (low volatility). With readings near 50% across the board, this portfolio behaves a lot like the overall market rather than pushing hard into any one style. That neutrality is actually a positive: it means returns are not overly dependent on any single factor cycle, and the portfolio avoids common pitfalls of being, say, extremely growth‑ or yield‑driven.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 90.00% 87.7% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 10.00% 12.3%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its simple weight. Here, the total market ETF is 90% of the allocation and contributes about 87.69% of the risk, which is roughly proportional. The tech ETF is only 10% of the weight but contributes 12.31% of the risk, showing it’s a bit punchier than size alone suggests. This is expected for a concentrated growth sector fund and isn’t inherently bad. It just means that trimming or boosting that 10% slice would noticeably change the portfolio’s overall volatility profile.
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 sits on or very close to the efficient frontier, which is excellent. The efficient frontier shows the best return you could have gotten for each level of risk using just these two holdings in different weights. The Sharpe ratio, a measure of return per unit of risk above the risk‑free rate, is 0.62 for the current mix, versus 0.87 for the max‑Sharpe version and 0.76 for the minimum‑risk version. Being on the frontier means the chosen allocation is already making efficient use of these ETFs, even if slightly different weights could tweak the risk/return balance.
Dividends
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Weighted yield (per year) 1.00%
The overall dividend yield is around 1.00%, with the total stock market ETF at about 1.10% and the tech ETF at roughly 0.10%. That’s on the lower side compared with more income‑oriented strategies but is pretty normal for a growth‑focused, US‑heavy equity portfolio. Dividends can provide a steady cash stream, but here, most of the expected return is from price appreciation rather than income. For long‑term investors who are still accumulating wealth, a lower yield is not necessarily an issue, especially if dividends are automatically reinvested to buy more shares over time and compound returns.
Ongoing product costs
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.04%
Total annual costs are impressively low at about 0.04% in TER (total expense ratio). TER is the yearly fee the funds charge to manage the portfolio, taken out of returns before you see them. Keeping this number small is powerful because costs compound just like returns do — but in the wrong direction. Compared with typical active funds that might charge 0.5%–1% per year, this fee level is a real strength. It means more of the portfolio’s performance stays in your pocket rather than going to managers, which supports better long‑term outcomes without requiring any extra risk.
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