Concentrated US growth portfolio with strong technology tilt and historically high returns for a growth profile
Report created on Apr 11, 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
-
VU Vanguard Growth Index Fund ETF Shares
VUG - US9229087369 34.00% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 33.00% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 33.00%
The portfolio is extremely simple and focused: three broad US equity ETFs, all stock-only, split almost evenly. One targets large-cap growth, one targets technology companies, and one tracks a broad US large-cap index. This structure leans heavily into growth and innovation while keeping implementation straightforward. Simplicity makes it easier to understand what drives returns but also means every holding is pulling in a similar direction. The main takeaway is that this is a concentrated bet on US large-cap growth, especially tech, rather than a fully diversified “all-weather” mix that spreads across different regions, styles, and asset classes.
Growth
From 2016 to early 2026, $1,000 grew to about $5,094, which is a compound annual growth rate (CAGR) of 17.74%. CAGR is like your average speed over a long road trip, smoothing out bumps along the way. This comfortably beat both the US market (about 14.47%) and global market (about 11.98%), showing strong historic payoff for the growth tilt. The worst drop (max drawdown) was around -33%, similar to the benchmarks, with a long 14‑month recovery. This shows that higher return did not come with dramatically worse downside than broad markets, but those deep drops are still emotionally and financially challenging.
Projection
The forward projection uses a Monte Carlo simulation, which runs 1,000 “what if” scenarios by shuffling historical returns and volatility to estimate possible futures. For a $1,000 starting amount over 15 years, the median outcome is about $2,709, with a wide “likely” range from roughly $1,793 to $4,046. About 73.5% of paths end positive, and the average annualized return across all simulations is 7.93%. This is lower than the backward-looking 17%+ CAGR because the model bakes in uncertainty and can’t assume the last decade repeats. It’s a reminder that historic outperformance doesn’t guarantee the same future path, especially for a growth- and tech-heavy mix.
Asset classes
- Stocks 100%
Asset allocation is all-in on one asset class: stocks, with no bonds, cash-like funds, or alternatives. Equities typically drive long-term growth but also create bigger swings in account value, especially when there is no stabilizing ballast like bonds. Being 100% in stocks matches a growth-oriented risk profile but may feel uncomfortable in severe bear markets or around near-term cash needs. A key implication is that this structure suits a long time horizon and tolerance for volatility. Those who need more predictable short-term outcomes usually mix in other asset classes to dampen drawdowns, though that tends to reduce expected long-run returns.
Sectors
- Technology 61%
- Telecommunications 10%
- Consumer Discretionary 8%
- Financials 6%
- Health Care 5%
- Industrials 5%
- Consumer Staples 2%
- Energy 1%
- Real Estate 1%
- Basic Materials 1%
- Utilities 1%
Sector exposure is highly skewed: about 61% in technology, with the rest spread thinly across telecom, consumer, financials, health care, and others. That’s far above typical broad-market weights, where tech is important but usually not a majority. Tech-heavy portfolios can benefit greatly during innovation booms, falling interest rates, or strong earnings growth in digital businesses. But they can be hit hard when rates rise, regulations tighten, or sentiment turns against high-growth names. The positive side is clear thematic focus and alignment with recent market leadership; the trade-off is more cyclical and policy-sensitive swings tied to the tech sector’s fortunes.
Regions
- North America 99%
Geographically, the portfolio is almost entirely in North America, at roughly 99%. This lines up with a US investor’s home bias but is far more concentrated than global benchmarks, where the US is large but not essentially the whole world. A US focus has worked very well over the past decade, especially with the dominance of US tech giants. However, it also ties outcomes closely to one economy, one currency, and one policy environment. Diversifying across regions can help smooth country-specific shocks or periods when other markets outperform. Here, the choice is a clear bet on continued US leadership in equities.
Market capitalization
- Mega-cap 56%
- Large-cap 27%
- Mid-cap 13%
- Small-cap 3%
- Micro-cap 1%
Market capitalization exposure is dominated by mega- and large-cap companies, totaling over 80%, with modest allocations to mid-, small-, and micro-caps. Large and mega-cap firms tend to be more established, profitable, and liquid, which often makes them somewhat more stable than smaller companies during stress, though they can still be very volatile. The upside is that this aligns closely with mainstream market indices and captures the big global franchises driving index returns. The trade-off is less exposure to smaller, potentially faster-growing businesses that can boost diversification and long-run returns but usually come with higher volatility and idiosyncratic risk.
True holdings
-
NV NVIDIA Corporation 12.73%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AA Apple Inc 11.57%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 8.18%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 3.62%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.95%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.64%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.34%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 2.30%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.85%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Growth Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
LL Eli Lilly and Company 0.96%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Top 10 total 49.15%
Looking through the ETFs, a big chunk of the portfolio rides on a handful of mega-cap names: NVIDIA, Apple, Microsoft, Broadcom, Alphabet, Amazon, Meta, Tesla, and Eli Lilly. Each appears across multiple funds, so the true exposure is higher than any single ETF weight suggests. For example, NVIDIA and Apple together already make up over 24% of the covered portion. Because only top‑10 ETF holdings are captured, overlap is actually understated. The main takeaway: despite owning three ETFs, real economic exposure is heavily concentrated in a small group of US tech and platform companies, which amplifies both upside and company-specific risk.
Factors
Factor exposure is mostly neutral across size, momentum, quality, and low volatility, meaning it behaves broadly like the market on those dimensions. The notable tilts are low value and low yield. “Value” measures how cheap or expensive stocks look relative to fundamentals; a low value score means a preference for growth and higher valuations. “Yield” captures dividend income; a low score shows reliance mainly on price appreciation instead of cash payouts. Factor investing treats these characteristics like ingredients that shape returns. Here the mix favors growth and reinvestment over bargain pricing and high dividends, which can shine in growth-led markets but lag during value rotations.
Risk contribution
-
Vanguard Information Technology Index Fund ETF Shares
Weight: 33.00% 38.0% -
Vanguard Growth Index Fund ETF Shares
Weight: 34.00% 34.5% -
Vanguard S&P 500 ETF
Weight: 33.00% 27.5%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its simple weight. The tech sector ETF, at 33% weight, contributes about 38% of total risk, punching above its size. The growth ETF’s risk share roughly matches its weight, while the S&P 500 ETF actually contributes less risk than its allocation. This means the specialized tech slice is the main volatility engine. When that ETF rallies, the whole portfolio feels it; when it stumbles, drawdowns can be sharper. Adjusting position sizes over time is one way investors can bring risk contributions closer to their comfort level.
Redundant positions
-
High correlationVanguard S&P 500 ETFVanguard Growth Index Fund ETF SharesVanguard Information Technology Index Fund ETF Shares
The ETFs in this portfolio move very similarly, with some pairs classified as “almost identical” in behavior over time. Correlation measures how assets move together: a value close to 1 means they rise and fall in tandem, while lower or negative values mean they zig and zag differently. High correlation is not bad on its own, but it limits diversification when markets get rough, since everything tends to drop at once. Here, the strong alignment between growth, tech, and the S&P 500 shows that diversification mainly comes from broad market exposure, not from mixing genuinely different kinds of assets or styles.
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 right on or very close to the efficient frontier. The efficient frontier represents the best possible return for each level of risk using just these existing holdings. The current Sharpe ratio, a measure of return per unit of risk, is 0.69. The optimal mix could raise that to about 0.87 with slightly higher risk and return, while the minimum-variance mix offers lower risk and still solid Sharpe. Being so near the frontier is a positive sign: it means, for this growthy risk level, the weights are already using the chosen ETFs in a broadly efficient way.
Dividends
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Growth Index Fund ETF Shares 0.40%
- Weighted yield (per year) 0.53%
The portfolio’s overall dividend yield is low, around 0.53% per year, with the tech ETF near zero, the growth ETF modest, and the S&P 500 ETF contributing most of the income. Dividend yield is the cash paid out by holdings relative to price, a useful cushion for income-focused investors or those who like getting paid while they wait. A low yield fits a growth-oriented approach that relies on companies reinvesting earnings to drive future share-price gains. The trade-off is less regular cash flow and more dependence on capital appreciation, which can be bumpy and more sensitive to market sentiment and interest rates.
Ongoing product costs
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Growth Index Fund ETF Shares 0.04%
- Weighted costs total (per year) 0.06%
The total expense ratio (TER) of about 0.06% per year is impressively low, especially for a portfolio with such strong historic performance. TER is like an annual membership fee charged by funds to cover management and operations; lower fees mean more of the returns stay in your pocket. These ETFs are all from a low-cost provider and sit well below typical active-fund fees. Over long horizons, even small percentage differences compound significantly. This cost profile is a real strength: it supports better net outcomes and aligns with best practices for long-term investing, especially when combined with a simple, buy-and-hold structure.
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