Growth focused equity portfolio tilted to US large caps and technology with efficient risk adjusted structure
Report created on May 12, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 50.00% -
QQ Invesco ESG NASDAQ 100 ETF
QQMG - US46138G5403 30.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00%
This portfolio is a straightforward three‑ETF equity mix: half in a broad US large‑cap index, 30% in an ESG‑screened NASDAQ 100 fund, and 20% in a total international stock ETF. So it is 100% in stocks and heavily anchored on US companies, with a growth tilt coming from the NASDAQ allocation. A simple structure like this is easy to understand and track because each ETF has a clear role. The US core fund provides broad market exposure, the NASDAQ sleeve adds extra growth potential, and the international fund brings some non‑US diversification. Overall, this is a focused, growth‑oriented equity portfolio rather than a multi‑asset blend.
Growth
From late 2021 to early May 2026, a $1,000 hypothetical investment grew to about $1,754, which translates into a compound annual growth rate (CAGR) of 13.27%. CAGR is like averaging your speed on a long road trip, smoothing out all the bumps. Over this period, the portfolio outpaced both the US market (12.46% CAGR) and the global market (10.68% CAGR). The trade‑off was a maximum drawdown of –28.27%, meaning the worst peak‑to‑trough fall was close to 30%. It took around 14 months to recover, showing that while returns have been strong, drawdowns can be deep and patience is required.
Projection
The Monte Carlo projection uses 1,000 simulated paths based on historical behavior to estimate a range of possible 15‑year outcomes. Think of it as rerunning history thousands of times with slightly different twists. The median result grows $1,000 to about $2,861, implying an 8.30% annualized return across all simulations. But the range is wide: a “likely” middle band runs from roughly $1,832 to $4,290, with more extreme outcomes between about $972 and $7,642. This highlights that even with the same starting point and strategy, future results can vary a lot. It’s a reminder that projections are guides, not promises, and past data can’t fully capture future shocks.
Asset classes
- Stocks 100%
All of this portfolio is invested in stocks, with no allocation to bonds, cash, or alternatives. Equities historically offer higher long‑term growth potential but also larger and more frequent swings in value. A 100% stock allocation usually means sharper ups and downs compared to mixes that include bonds or cash buffers. Relative to many global benchmarks that blend stocks and bonds, this portfolio is clearly on the growth‑oriented side. The benefit is stronger participation when markets rise; the cost is more pronounced drawdowns when markets fall. This all‑equity structure is a key driver of the risk score of 5/7 and the “growth investor” classification.
Sectors
- Technology 38%
- Financials 11%
- Telecommunications 10%
- Consumer Discretionary 10%
- Industrials 8%
- Health Care 7%
- Consumer Staples 6%
- Energy 3%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector‑wise, technology stands out at 38%, noticeably above many broad market benchmarks. The rest is spread across financials, telecom, consumer discretionary, industrials, health care, consumer staples, and smaller slices in energy, materials, utilities, and real estate. This tech‑heavy stance has helped during periods when innovative and digital‑focused companies led markets. At the same time, it can increase sensitivity to interest rate moves, regulatory news, or shifts in sentiment around high‑growth business models. The presence of more defensive areas like staples, utilities, and health care is modest, so cushioning from traditionally steadier sectors may be limited during risk‑off phases.
Regions
- North America 81%
- Europe Developed 8%
- Japan 3%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 81% of the portfolio sits in North America, with the remainder spread thinly across developed Europe and Asia, Japan, emerging Asia, Australasia, Latin America, and Africa/Middle East. In global equity benchmarks, the US is large but usually closer to 60% rather than 80%+. So this portfolio has a strong home‑country tilt toward US markets and the dollar. This has been beneficial over the last decade as US equities have generally outperformed many other regions. The flip side is that economic or policy shocks centered on the US would ripple through most of the portfolio, while the impact from other regions is relatively muted.
Market capitalization
- Mega-cap 49%
- Large-cap 34%
- Mid-cap 15%
- Small-cap 1%
Nearly half of the portfolio is in mega‑cap companies, with another third in large caps, leaving only modest exposure to mid caps and a tiny slice in small caps. Market capitalization just measures company size, similar to comparing small local shops to global giants. Large and mega‑caps tend to be more established, with deeper liquidity and more analyst coverage, which can reduce some company‑specific risk. However, this also means less exposure to the sometimes higher, but bumpier, growth of smaller firms. The size profile here is very much “big‑company heavy,” so returns and volatility will be driven mainly by the largest corporations in the indexes rather than smaller names.
True holdings
-
NV NVIDIA Corporation 7.05%
Part of fund(s):- Invesco ESG NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 5.74%
Part of fund(s):- Invesco ESG NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 4.30%
Part of fund(s):- Invesco ESG NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.38%
Part of fund(s):- Invesco ESG NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.56%
Part of fund(s):- Invesco ESG NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.21%
Part of fund(s):- Invesco ESG NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.19%
Part of fund(s):- Invesco ESG NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.94%
Part of fund(s):- Invesco ESG NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
AM Advanced Micro Devices Inc 1.20%
Part of fund(s):- Invesco ESG NASDAQ 100 ETF
-
ME Meta Platforms Inc. 1.12%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 31.69%
Looking through ETF top holdings, a handful of mega‑cap names account for meaningful slices: NVIDIA at about 7.05%, Apple around 5.74%, Microsoft 4.30%, Amazon 3.38%, and the two Alphabet share classes together roughly 4.75%. Because these companies appear in multiple ETFs, their true influence is higher than any single fund suggests. This is the “overlap” effect, where the same company shows up in different wrappers. Even though only top‑10 ETF positions are captured, you can already see a cluster of large US tech‑related firms driving a sizable chunk of the portfolio’s behavior, creating hidden concentration in a small group of global leaders.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility is broadly neutral, sitting around the market‑average 40–60% band. Factors are like investing “ingredients” that explain why some groups of stocks behave differently over time. A neutral profile means the portfolio doesn’t lean strongly into classic styles like deep value, high yield, or low volatility. Instead, it behaves much like a broad market index in factor terms, even though it is more concentrated geographically and by sector. This well‑balanced factor setup can be helpful because performance is less tied to any single style cycle, reducing the risk of being heavily out of favor when a specific factor struggles.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 46.9% -
Invesco ESG NASDAQ 100 ETF
Weight: 30.00% 37.8% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 15.3%
Risk contribution shows how much each ETF adds to the portfolio’s ups and downs, which can differ from its weight. Here, the S&P 500 fund is 50% of the allocation and contributes roughly 47% of total risk, so its volatility is close to its size. The Invesco ESG NASDAQ 100, at 30% weight, contributes nearly 38% of risk, meaning it’s more volatile than the other positions (risk/weight above 1). The international fund contributes less risk than its 20% weight. Overall, risk is sensibly aligned with position sizes, with a somewhat outsized influence from the NASDAQ sleeve, which is expected given its growth‑oriented nature.
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 the portfolio sitting on or very close to the efficient frontier. The efficient frontier is the curve of best possible returns for each risk level, using only the existing holdings at different weights. The current Sharpe ratio of 0.56 is lower than the optimal mix’s 0.72, but the optimizer achieves that by taking more risk (23.71% vs. 18.26% volatility). The minimum‑variance version lowers risk to 15.96% while keeping a reasonable Sharpe of 0.66. Overall, this indicates the present allocation is already quite efficient for its chosen risk level, with no glaring imbalance among the three ETFs.
Dividends
- Invesco ESG NASDAQ 100 ETF 0.40%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.21%
The portfolio’s blended dividend yield is about 1.21%, reflecting its growth tilt and tech‑heavy composition. Dividend yield measures yearly cash payouts as a percentage of the current value, like rent from a property. The international ETF is the highest‑yielding piece at 2.70%, while the NASDAQ ESG fund is low at 0.40%, consistent with many growth and tech names reinvesting profits rather than distributing them. With yields around this level, most of the portfolio’s long‑term return is expected to come from price appreciation rather than income. That aligns with its equity‑only, growth‑oriented profile rather than an income‑focused strategy.
Ongoing product costs
- Invesco ESG NASDAQ 100 ETF 0.20%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.08%
Total ongoing costs are very low, with a blended TER (Total Expense Ratio) of about 0.08%. TER is the annual fee the funds charge, expressed as a percentage of assets, similar to a small management toll. The S&P 500 and international funds are particularly cheap at 0.03% and 0.05%, while the ESG NASDAQ fund is higher at 0.20% but still moderate. Costs at this level are impressively low and support better long‑term performance because more of the portfolio’s gross return stays in the investor’s pocket. Over many years, even a fraction of a percent in fees can compound, so this cost structure is a real strength.
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