Highly concentrated tech focused portfolio with strong historic growth and meaningful semiconductor and mega cap exposure

Report created on Apr 24, 2026

Risk profile Info

5/7
Growth
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Diversification profile Info

2/5
Low Diversity
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Positions

This portfolio is built almost entirely from six US‑listed equity ETFs, with a clear tilt toward technology and growth themes. The biggest single position is a semiconductor ETF, making up just under a third of the portfolio, while four other funds track broader US tech and growth indexes. A small cash slice is present but not a major driver. This structure means the portfolio’s behaviour is dominated by one sector and a handful of similar funds, rather than a wide mix of different assets. It has a coherent tech‑growth story, but relatively low diversification, so its ups and downs are likely to be tightly linked to how that part of the market performs over time.

Growth Info

From late 2020 to April 2026, $1,000 in this portfolio grew to about $3,112, a compound annual growth rate (CAGR) of 22.96%. CAGR is like average speed on a long road trip, smoothing out the bumps to show steady yearly growth. Over the same period, the US market returned 15.32% and the global market 13.40%, so this portfolio clearly outpaced both. The trade‑off was a deeper max drawdown of -37.78%, meaning at one point the portfolio was over a third below its peak. It also needed 13 months to recover. This pattern—higher returns but sharper declines—is very typical of concentrated, growth‑oriented portfolios.

Projection Info

The Monte Carlo projection looks ahead 15 years by “replaying” many versions of history with random variations. It uses past return and volatility patterns to generate 1,000 possible paths for a $1,000 investment. The median outcome ends near $2,669, roughly a 7.95% annualized return across all simulations, with a wide range from about $906 to $7,413 between the 5th and 95th percentiles. This shows that even with strong historical results, future outcomes can vary a lot. Monte Carlo simulations are useful for illustrating uncertainty, but they still rely on historical data patterns, which may not repeat if the tech and growth landscape changes meaningfully over the next decade and beyond.

Asset classes Info

  • Stocks
    95%
  • Cash
    5%

Asset‑class exposure here is very straightforward: roughly 95% in stocks and 5% in cash. That means the portfolio’s results are driven almost entirely by equity markets, with only a small buffer from cash that slightly dampens volatility and provides some optionality. Compared with broad market portfolios that often mix in bonds or other defensive assets, this is a high‑equity allocation. A stock‑heavy mix like this tends to benefit more in strong equity markets but feel more of the pain in downturns. The clear equity focus aligns with the “Growth” risk classification and helps explain both the strong historical performance and the large drawdowns seen in the data.

Sectors Info

  • Technology
    75%
  • Telecommunications
    8%
  • Cash
    5%
  • Consumer Discretionary
    4%
  • Health Care
    2%
  • Consumer Staples
    2%
  • Industrials
    2%
  • Financials
    1%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is heavily skewed: around 75% in technology, 8% in telecommunications, and the rest spread thinly across consumer, health care, industrials, financials, and a small cash slice. This is much more concentrated than broad equity benchmarks, where tech is a major but not dominant majority. Tech‑heavy portfolios often ride big innovation cycles and can outperform when investors favour growth and disruption. On the flip side, they can be more sensitive when interest rates rise or when sentiment turns against high‑growth business models. The relatively small exposures to other sectors mean there is limited cushioning from parts of the market that sometimes behave differently from technology during stress.

Regions Info

  • North America
    89%
  • Cash
    5%
  • Asia Developed
    3%
  • Europe Developed
    2%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 89% of the portfolio sits in North America, with modest slices in developed Asia, developed Europe, and a small cash position. This is a much stronger North American tilt than global benchmarks, which spread more across regions. Such a home‑region focus can work well when US and Canadian markets—especially their tech leaders—are strong, as they have been in recent years. It also means the portfolio is tightly tied to one economic region, currency, and regulatory environment. The small allocations to other developed regions provide only limited diversification benefits, so the portfolio’s behaviour will closely track North American equity and tech cycles over time.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    33%
  • Mid-cap
    10%
  • Small-cap
    2%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

By market capitalization, the portfolio leans strongly toward the largest companies: about 48% in mega‑caps and 33% in large‑caps, with smaller slices in mid, small, and micro‑cap names. Mega‑caps are the global household names—companies so large they can influence index performance on their own. This kind of tilt often brings more stability in terms of business quality and liquidity, since these firms are well‑established. At the same time, it reduces exposure to the potentially higher‑growth but more volatile smaller companies. The result is a portfolio that is concentrated not just in one sector, but also in the largest players within that sector and related growth areas.

True holdings Info

  • NVIDIA Corporation
    13.24%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • VanEck Semiconductor ETF
    • iShares Expanded Tech Sector ETF
  • Apple Inc
    6.65%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • iShares Expanded Tech Sector ETF
  • Broadcom Inc
    5.96%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • VanEck Semiconductor ETF
    • iShares Expanded Tech Sector ETF
  • Microsoft Corporation
    5.28%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • iShares Expanded Tech Sector ETF
  • Taiwan Semiconductor Manufacturing
    3.04%
    Part of fund(s):
    • VanEck Semiconductor ETF
  • Micron Technology Inc
    2.24%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • VanEck Semiconductor ETF
    • iShares Expanded Tech Sector ETF
  • Alphabet Inc Class A
    2.13%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • iShares Expanded Tech Sector ETF
  • Advanced Micro Devices Inc
    1.90%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • VanEck Semiconductor ETF
  • Meta Platforms Inc.
    1.90%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • iShares Expanded Tech Sector ETF
  • Intel Corporation
    1.79%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • VanEck Semiconductor ETF
  • Top 10 total 44.13%

This breakdown covers the equity portion of your portfolio only.

Looking through the ETFs, a handful of individual companies account for a significant share of underlying exposure. NVIDIA alone sits at about 13.24%, with Apple, Broadcom, Microsoft, and TSMC also sizeable. Several of these appear in multiple funds, creating overlap that isn’t obvious just from ETF tickers. Because this analysis only uses ETF top‑10 holdings, actual overlap is likely somewhat higher. Hidden concentration like this means that when a single mega‑cap tech name moves sharply, it can drive portfolio performance more than the number of holdings suggests. This can amplify the impact of company‑specific news, both positive and negative, on the overall portfolio experience.

Factors Info

Value
Preference for undervalued stocks
Very low
Data availability: 95%
Size
Exposure to smaller companies
Neutral
Data availability: 95%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 95%
Quality
Preference for financially healthy companies
Neutral
Data availability: 95%
Yield
Preference for dividend-paying stocks
Low
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Low
Data availability: 95%

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 exposure shows a very low tilt to value (13%) and low exposure to low volatility (21%) and yield (33%), while size, momentum, and quality sit near neutral. Factors are like the underlying traits—such as cheapness, stability, or trendiness—that research links to returns. A very low value score signals a portfolio tilted toward higher‑priced growth names rather than “bargain” stocks. Low low‑volatility and yield exposure means it doesn’t lean on defensive, steady dividend payers. Altogether, this is a growth‑oriented factor profile that tends to do well when investors reward future earnings potential, but it can experience larger drawdowns when markets favour cheaper, more defensive companies instead.

Risk contribution Info

  • VanEck Semiconductor ETF
    Weight: 28.59%
    38.3%
  • iShares Expanded Tech Sector ETF
    Weight: 17.56%
    17.6%
  • Fidelity® MSCI Information Technology Index ETF
    Weight: 17.04%
    16.8%
  • Invesco NASDAQ 100 ETF
    Weight: 15.94%
    13.9%
  • Schwab U.S. Large-Cap Growth ETF
    Weight: 15.69%
    13.5%
  • Top 5 risk contribution 100.0%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. The semiconductor ETF, at 28.59% weight, contributes 38.28% of total risk—a risk/weight ratio of 1.34—making it the dominant risk driver. The next two funds bring total risk contribution from the top three positions to 72.64%, even though they are just over 63% by weight. This concentration means the portfolio’s volatility is highly sensitive to that single semiconductor slice and a couple of broad tech funds. When those ETFs are calm, the whole portfolio feels steady; when they swing, they tend to pull everything else along with them.

Redundant positions Info

  • iShares Expanded Tech Sector ETF
    Invesco NASDAQ 100 ETF
    Schwab U.S. Large-Cap Growth ETF
    Fidelity® MSCI Information Technology Index ETF
    High correlation

The correlation data shows that the main tech and growth ETFs in this portfolio move almost identically. Correlation measures how often investments move in the same direction at the same time; high correlation means they behave similarly. Here, multiple pairs—especially those involving the broad tech and NASDAQ‑100 style funds—are strongly linked. That reduces the diversification benefit of holding several different tickers, because in market stress they’re likely to fall together rather than offset each other. This pattern is consistent with a portfolio built around one dominant theme. It keeps the strategy simple and focused, but limits the risk‑reducing advantages that come from mixing less‑related assets.

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 compares the current mix to an “efficient frontier,” which shows the best possible return for each risk level using just these holdings. The current portfolio has a Sharpe ratio of 0.76, while the optimal mix of the same ETFs reaches 1.0, and the current point sits 3.65 percentage points below the frontier. A Sharpe ratio is a way to measure return per unit of risk taken, after a risk‑free rate. Being below the frontier means that, historically, a different weighting of these same funds could have delivered better risk‑adjusted results without adding new products—essentially making more use of what’s already in the toolkit.

Dividends Info

  • Fidelity® MSCI Information Technology Index ETF 0.40%
  • iShares Expanded Tech Sector ETF 0.20%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • iShares Trust 3.90%
  • VanEck Semiconductor ETF 0.20%
  • Weighted yield (per year) 0.50%

The combined dividend yield of this portfolio is about 0.50%, with individual funds mostly in the 0.2%–0.5% range, except for one higher‑yielding ETF around 3.9%. Dividend yield is the cash paid out each year as a percentage of the investment’s price. Here, income plays a very minor role; most of the historical return has come from price appreciation driven by tech and growth stocks, not from regular cash payouts. This is typical for growth‑oriented and technology‑heavy portfolios, where companies often reinvest profits rather than distributing them. The upside is more focus on potential capital growth, but the trade‑off is less steady income flowing into the account over time.

Ongoing product costs Info

  • Fidelity® MSCI Information Technology Index ETF 0.08%
  • iShares Expanded Tech Sector ETF 0.41%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • iShares Trust 0.07%
  • VanEck Semiconductor ETF 0.35%
  • Weighted costs total (per year) 0.22%

The portfolio’s total expense ratio (TER) is about 0.22%, with individual ETFs ranging from 0.04% to 0.41%. TER is the annual fee charged by funds, expressed as a percentage of the amount invested—like a small yearly service charge that quietly reduces returns. A blended cost in this range is fairly low, especially for a mix of specialized and broad tech funds. Lower ongoing fees help more of any gains stay in the portfolio, and over many years that difference compounds. In this case, costs are a clear strength: they don’t appear to be a major drag and support the portfolio’s long‑term growth potential.

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