Concentrated US growth portfolio with strong technology tilt and historically high risk adjusted returns
Report created on Jun 24, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 50.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 25.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10.00%
This portfolio is a simple four‑ETF mix that is 100% in stocks. Half sits in a broad US large‑cap index, a quarter in a growth‑heavy US index, 15% in a US small‑cap value fund, and 10% in a broad international equity fund. Structurally, that means the core is mainstream US large caps, with a clear growth overlay and a smaller value and international satellite. A concentrated line‑up like this is easy to monitor and understand. The flip side is that with only four holdings, any tilt baked into these funds flows directly into overall behavior, so there is less “averaging out” than in a portfolio with many different building blocks.
Growth
From late 2020 to mid‑2026, $1,000 invested in this mix grew to about $2,427. That works out to a compound annual growth rate (CAGR) of 16.95%, meaning the money grew as if it earned roughly 16.95% every year on average. Over the same period, both a broad US market and a global market benchmark grew more slowly, so this portfolio outpaced them. The max drawdown, or worst peak‑to‑trough fall, was about –25%, broadly similar to the benchmarks. That combination—higher return with comparable downside—translates into historically strong risk‑adjusted performance, although past results do not guarantee similar outcomes ahead.
Projection
The forward projection uses a Monte Carlo simulation, which is basically a large set of “what if” trials that shake returns around using patterns from history. Starting from $1,000, the median path ends near $2,642 after 15 years, with a wide but understandable range around that. The inner band (from the 25th to 75th percentile) runs from about $1,729 to $4,111, while the very outer band stretches from roughly $919 to $8,221. The average simulated annual return is around 8%. These numbers show how uncertain long‑term equity outcomes can be: there is a clear upward tendency, but also meaningful chances of much lower or much higher results than the central estimate.
Asset classes
- Stocks 100%
All of the portfolio is invested in stocks, with no bonds, cash, or alternatives in the mix. That creates a straightforward growth‑oriented structure: outcomes are driven almost entirely by how equity markets behave, rather than by income from bonds or stability from cash. In many blended portfolios, bonds help soften the ride when stocks fall; here, that buffer is absent by design. The “balanced” risk classification and mid‑range risk score likely come from the historical data and the diversified equity exposure, but in pure asset‑class terms this is an all‑equity setup, which can mean larger swings in both directions.
Sectors
- Technology 35%
- Financials 12%
- Consumer Discretionary 11%
- Telecommunications 10%
- Industrials 8%
- Health Care 7%
- Consumer Staples 5%
- Energy 5%
- Basic Materials 3%
- Utilities 2%
- Real Estate 1%
Sector‑wise, technology stands out at about 35% of the equity exposure, clearly above what a broad global index would typically hold. Financials, consumer discretionary, telecom, industrials, and health care form a reasonably even second layer, with smaller slices in staples, energy, materials, utilities, and real estate. A strong tech tilt often lines up with companies whose fortunes are sensitive to innovation cycles and interest‑rate expectations, which can boost returns in growth‑friendly periods. It can also mean sharper drawdowns when enthusiasm for fast‑growing businesses cools. The rest of the sectors are present enough to avoid being a pure single‑theme portfolio, which helps diversification.
Regions
- North America 90%
- Europe Developed 4%
- Asia Developed 2%
- Japan 2%
- Asia Emerging 1%
- Latin America 1%
Geographically, about 90% of the portfolio sits in North America, with only around 10% spread across Europe, Japan, other developed Asia, and emerging markets. Compared with a typical global equity benchmark, which splits more roughly 60% US and 40% rest of world, this is a pronounced home‑country tilt toward the US. That has been helpful over the last decade, as US markets have generally beaten international ones, supporting the strong historical returns. The trade‑off is that economic, policy, and currency risks are concentrated in a single region. Global events that hit US markets specifically would have an outsized impact here compared with a more geographically balanced portfolio.
Market capitalization
- Mega-cap 41%
- Large-cap 29%
- Mid-cap 14%
- Small-cap 8%
- Micro-cap 7%
By market capitalization, this portfolio leans toward larger companies: around 41% in mega‑caps and 29% in large‑caps. Mid‑caps add another 14%, while small‑caps and micro‑caps together make up about 15%. That pattern resembles a traditional “core” equity exposure at the top, with an intentional allocation to smaller firms via the small‑cap value ETF. Larger companies often bring more stability and liquidity, meaning their prices may move less erratically day to day. Smaller and micro‑cap exposures can introduce extra volatility but also more company‑specific variation in outcomes. Overall, the size mix is anchored in big names while still leaving room for different growth and value dynamics.
True holdings
-
NV NVIDIA Corporation 5.98%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 5.30%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.75%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.09%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.56%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.38%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.15%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 2.10%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.76%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.07%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 30.13%
Looking through to the underlying holdings, the top exposures include several well‑known large technology and internet‑related companies. Names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Tesla, and Meta appear with meaningful combined weights. Many of these stocks show up in more than one ETF, so their true influence is larger than any single fund’s top‑10 list might suggest. This kind of overlap creates “hidden” concentration, where multiple funds end up relying on the same engines of performance. Since only ETF top‑10 holdings are used, overlap is likely understated, but even this partial view makes it clear that a relatively small group of mega‑cap companies plays a big role in overall returns.
Factors
Factor exposure, which describes how the portfolio leans toward traits like value, size, momentum, quality, yield, and low volatility, is broadly neutral across the board here. All measured factors sit in the middle “market‑like” range, suggesting the mix behaves similarly to a broad equity market rather than heavily tilting toward any one style. That means there is no strong emphasis on, say, cheap stocks (value), recent winners (momentum), or defensive low‑volatility companies. In practice, this points to a diversified style profile: performance is likely driven more by market direction and the geographic and sector tilts than by systematic factor bets.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 46.6% -
Invesco NASDAQ 100 ETF
Weight: 25.00% 29.8% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 15.9% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 10.00% 7.7%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weights. The S&P 500 ETF, at 50% weight, contributes about 47% of total risk, very much in line with its size. The NASDAQ 100 ETF, with 25% weight, contributes nearly 30% of risk, meaning it pulls slightly more than its share, consistent with its growth and tech tilt. The small‑cap value ETF contributes roughly its weight, while the international fund actually contributes less risk than its 10% allocation. Overall, the top three positions account for over 92% of total risk, so the risk profile is dominated by the large US funds.
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‑versus‑return chart plots this portfolio alongside the efficient frontier, which shows the best possible return for each level of risk using only the current ingredients in different mixes. Here, the portfolio sits on or very close to that frontier, with a Sharpe ratio of 0.76. The optimal reweighted mix of the same four ETFs has a higher Sharpe, and the minimum‑variance mix has lower risk, but the current allocation is already efficient for its risk level. In plain terms, given these exact holdings, the historical data suggests the portfolio has been using them in a broadly sensible way, without obvious “wasted” risk.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.60%
- Invesco NASDAQ 100 ETF 0.40%
- Vanguard S&P 500 ETF 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.50%
- Weighted yield (per year) 1.09%
The overall dividend yield comes in around 1.09%, which is relatively modest for an equity portfolio. The international ETF has the highest yield in the group, while the NASDAQ 100 ETF is particularly low, reflecting its growth‑oriented holdings that typically reinvest more profits rather than paying them out. Dividends can provide a steady return component that is less dependent on price movements, but they are only one piece of total return, alongside capital gains. In this mix, growth and price appreciation have historically dominated, with income playing a smaller role. That aligns with the strong recent performance despite the lower headline yield.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.10%
The portfolio’s total expense ratio (TER) is about 0.10%, which is impressively low for a multi‑ETF setup. TER is the annual fee paid to fund providers, expressed as a percentage of assets; keeping it low means less return is eaten by costs each year. Most large index funds now operate in this low‑cost range, and this portfolio is clearly aligned with that trend. Over long periods, even small cost differences compound, so starting from a very low fee base is a structural advantage. Here, underlying costs are unlikely to be a significant drag on performance, allowing asset allocation and market behavior to be the main drivers.
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