Concentrated US growth equity portfolio with strong large cap focus and efficient risk return balance
Report created on Apr 30, 2026Risk profile
5/7
Diversification profile
2/5
Positions
-
SP SPDR S&P 500 ETF Trust
SPY - US78462F1030 53.57% -
QQ Invesco QQQ Trust
QQQ - US46090E1038 24.87% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 11.20% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 7.04% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 3.32%
This portfolio is a tightly focused, all‑equity mix dominated by broad US market exposure. Over half sits in an S&P 500 ETF, with another S&P 500 fund on top, so large US companies are the core. QQQ adds a clear growth and tech tilt, while the small cap value ETF introduces a small slice of more cyclical, value‑oriented smaller companies. A modest holding in total international stocks brings in a bit of non‑US exposure, but it’s relatively small. Structurally, this is a simple, growth‑oriented setup with just five positions. That kind of concentration makes the portfolio easy to understand and monitor, but it also means results will closely follow US stock market moves, especially large and mega‑cap names.
Growth
Historically, this mix has performed strongly. A hypothetical $1,000 invested in 2019 grew to about $2,840, which is a compound annual growth rate (CAGR) of 17.26%. CAGR is like the average speed of a road trip, smoothing out the bumps along the way. Over this period, the portfolio beat both the US market and the global market by a noticeable margin. Its worst peak‑to‑trough drop, or max drawdown, was about -33% during early 2020, very similar to the benchmarks. That shows the portfolio took on equity‑like downturns but was rewarded with higher returns. As always, past performance shows how this mix behaved, not what it will necessarily do next.
Projection
The Monte Carlo projection uses many random simulations based on historical patterns to imagine different future paths. Think of it as rerunning the last couple of decades thousands of times with the order of good and bad years shuffled. For a $1,000 starting point over 15 years, the median outcome lands around $2,680, with a wide “likely” band between about $1,680 and $4,167. The full range shows some scenarios barely above $900 and others above $7,000. The average simulated annual return of about 7.95% is lower than the recent historical 17% CAGR, which is a reminder that simulations tend to be more conservative and that markets don’t repeat the past exactly.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with no bonds or cash‑like assets in the mix. That makes the asset class picture very straightforward: it’s fully exposed to equity market upside and downside. Stocks have historically offered higher long‑term returns than bonds, but with more frequent and deeper swings. Compared with blended portfolios that mix in bonds, this structure will usually experience sharper moves during market stress. On the flipside, there’s no “drag” from lower‑yielding assets, which helps when stock markets are strong. The portfolio’s growth‑oriented risk score fits this 100% equity profile, and the relatively low diversification score reflects that there’s no balancing asset class here to cushion equity volatility.
Sectors
- Technology 36%
- Consumer Discretionary 12%
- Telecommunications 11%
- Financials 11%
- Industrials 8%
- Health Care 7%
- Consumer Staples 6%
- Energy 4%
- Basic Materials 2%
- Utilities 2%
- Real Estate 1%
Sector‑wise, the portfolio is clearly tilted toward technology, which makes up about 36% of the equity exposure. Consumer discretionary and telecommunications (which here includes communication‑related companies) also take meaningful slices, while financials, industrials, and health care form a solid but smaller middle. Defensive areas like utilities, consumer staples, and real estate are present but modest. Relative to a typical broad global index, this is quite tech and growth heavy, which has helped in recent years as those sectors outperformed. The flip side is that sector shifts—like rising interest rates or regulatory changes affecting tech—can have an outsized impact. The sector breakdown still covers a wide range of economic areas, but leadership is clearly concentrated in growth‑sensitive parts of the market.
Regions
- North America 96%
- Europe Developed 2%
- Asia Emerging 1%
- Japan 1%
Geographically, the portfolio is overwhelmingly tied to North America, at about 96% of exposure. Europe, Japan, and emerging Asia appear only in very small proportions via the international ETF. Compared with global benchmarks, where non‑US markets represent a substantial share of world equity value, this is a pronounced US tilt. That concentration has worked well during a period when US stocks, especially large tech names, strongly outpaced many other regions. At the same time, it means the portfolio’s fortunes are tightly linked to one economy, one currency, and one regulatory environment. If US markets underperform other regions for a stretch, that won’t be captured much here because the non‑US portion is still relatively small.
Market capitalization
- Mega-cap 43%
- Large-cap 31%
- Mid-cap 14%
- Small-cap 6%
- Micro-cap 5%
By market capitalization, this portfolio leans heavily into mega‑cap and large‑cap companies, which together account for roughly three‑quarters of exposure. Mid caps add another chunk, while small and micro‑cap holdings make up a smaller but notable tail, largely through the small cap value ETF. Larger companies tend to be more diversified businesses with more stable earnings, which can dampen some volatility compared with an all small‑cap portfolio. The inclusion of small and micro caps, though limited, introduces exposure to more niche and earlier‑stage companies that can behave differently from giants. This mix supports a growth‑driven profile anchored in global leaders but with a modest allocation to the potentially higher‑risk, higher‑dispersion segment of the market.
True holdings
-
NV NVIDIA Corporation 7.02%
Part of fund(s):- Invesco QQQ Trust
- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
-
AA Apple Inc 5.74%
Part of fund(s):- Invesco QQQ Trust
- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 4.44%
Part of fund(s):- Invesco QQQ Trust
- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.69%
Part of fund(s):- Invesco QQQ Trust
- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.82%
Part of fund(s):- Invesco QQQ Trust
- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.81%
Part of fund(s):- Invesco QQQ Trust
- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.37%
Part of fund(s):- Invesco QQQ Trust
- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 2.30%
Part of fund(s):- Invesco QQQ Trust
- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.88%
Part of fund(s):- Invesco QQQ Trust
- LS 1x Tesla Tracker ETP Securities GBP
- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 0.87%
Part of fund(s):- SPDR S&P 500 ETF Trust
- Vanguard S&P 500 ETF
- Top 10 total 33.95%
Looking through the ETFs into their top holdings, a handful of mega‑cap names show up prominently across multiple funds. NVIDIA, Apple, Microsoft, Amazon, Alphabet (both share classes), Broadcom, Meta, Tesla, and Berkshire Hathaway each appear via overlapping ETFs. For example, NVIDIA alone totals just over 7% of the portfolio’s look‑through exposure. Because only ETF top‑10 holdings are included, actual overlap is probably higher than these numbers suggest. Hidden concentration like this means that while there are several funds, a relatively small group of large companies drives a big share of returns. This is very consistent with current US equity indices, where the largest names have an outsized weight and can meaningfully sway overall performance.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility looks very balanced and close to “neutral” relative to the broad market. Factor exposure is like checking what ingredients drive returns—whether the portfolio leans toward cheap stocks (value), fast‑rising ones (momentum), or steady earners (quality). Here, none of the factors stands out as a strong tilt toward or away from a particular style. That means performance is likely to be driven more by plain market exposure, sector composition, and stock selection within the indices rather than systematic style bets. This kind of factor profile often behaves similarly to broad benchmarks, without the more extreme ups and downs that can come from heavy tilts toward a single factor.
Risk contribution
-
SPDR S&P 500 ETF Trust
Weight: 53.57% 50.9% -
Invesco QQQ Trust
Weight: 24.87% 27.5% -
Avantis® U.S. Small Cap Value ETF
Weight: 11.20% 12.3% -
Vanguard S&P 500 ETF
Weight: 7.04% 6.7% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 3.32% 2.6%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. The main S&P 500 ETF is just over half the portfolio and contributes roughly half the total risk, so its influence is very proportional. QQQ and the small cap value ETF together account for about a third of the weight but a bit more than a third of the risk, reflecting their somewhat higher volatility. The top three holdings collectively drive over 90% of total risk, which matches the high concentration score. This setup keeps the main risk drivers easy to identify and understand, but it also means shifts in those three ETFs will largely determine how the entire portfolio behaves day to day.
Redundant positions
-
High correlationSPDR S&P 500 ETF TrustVanguard S&P 500 ETF
Correlation measures how closely different investments move together. Assets that are highly correlated tend to go up and down at the same time, which reduces diversification benefits. In this portfolio, the SPDR S&P 500 ETF and the Vanguard S&P 500 ETF are almost perfectly correlated, which is expected because they track essentially the same index. From a diversification perspective, owning both doesn’t add much new behavior—together they act like one large exposure to US large caps. Other holdings are also US equity focused, so correlations across the whole portfolio are likely to be relatively high in market stress. That aligns with the low diversification score, indicating that most positions will tend to move in the same general direction during big market swings.
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 risk vs. return chart shows this portfolio sitting on or very close to the efficient frontier. The efficient frontier represents the best possible trade‑off between risk and expected return using only the current holdings but in different weightings. The portfolio’s Sharpe ratio—a measure of return earned per unit of risk—is 0.68, while the mathematically “optimal” mix of these same funds would reach about 0.88 with higher risk and higher return. There’s also a minimum‑variance option with slightly lower Sharpe. Being essentially on the frontier means the current allocation uses these ingredients efficiently for its chosen risk level. In other words, given this specific set of ETFs, the portfolio’s balance between risk and reward is already quite effective.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco QQQ Trust 0.40%
- SPDR S&P 500 ETF Trust 1.00%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 0.95%
The portfolio’s overall dividend yield sits just under 1%, which is on the lower side for an equity portfolio. Yield is the yearly cash payout from holdings, like rent from owning a property, expressed as a percentage of the investment. The international ETF and the small cap value fund offer higher yields, while QQQ’s yield is very low and the S&P 500 funds are modest. This pattern reflects a growth‑oriented structure where more of the expected return comes from price movement rather than income. For investors focused on total return, that can be perfectly reasonable, but it does mean that cash distributions play a smaller role and most of the return historically has shown up as changes in portfolio value instead of regular payouts.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco QQQ Trust 0.20%
- SPDR S&P 500 ETF Trust 0.10%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.14%
Overall costs for this portfolio are impressively low, with a blended total expense ratio (TER) of about 0.14%. TER is the annual fee charged by funds, taken quietly in the background, and over many years it compounds just like returns do. Most holdings are low‑cost index ETFs, with only the small cap value fund charging a somewhat higher but still moderate fee for its strategy. This cost level compares favorably with many actively managed funds and is well aligned with best practices in cost‑efficient investing. Keeping fees low helps more of the portfolio’s gross return stay in the investor’s pocket, which is especially important for long holding periods where even small percentage differences can add up substantially.
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