Growth oriented portfolio with strong US tilt heavy technology exposure and meaningful leveraged risk component

Report created on Apr 20, 2026

Risk 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

This portfolio is built around six ETFs, with 90% in stocks and 10% in gold. The core is broad US exposure, supported by a dedicated tech fund and an international stock fund, which together shape most of the equity behavior. A dividend-focused US ETF adds a slight income flavor, while the leveraged Nasdaq-style ETF introduces a high‑octane growth component. Gold sits as the only non‑equity holding. Structurally, this is clearly growth-leaning, with a lot of emphasis on equity markets and a smaller focus on stability. That mix means the portfolio is positioned to participate strongly in rising markets but will also feel equity swings quite directly when conditions turn rough.

Growth Info

From mid‑2018 to April 2026, $1,000 in this portfolio grew to about $3,535, a compound annual growth rate (CAGR) of 17.62%. CAGR is like your average speed on a long trip, smoothing out all the bumps along the way. Over the same period, the US market returned 14.72% a year and the global market 11.94%, so this portfolio outpaced both. The trade‑off has been deeper downside: the max drawdown was about ‑40%, versus roughly ‑34% for the benchmarks. That’s a materially harsher drop. This pattern — stronger long‑term growth with sharper setbacks — fits a growth‑heavy allocation that leans into more volatile areas.

Projection Info

The forward projection uses a Monte Carlo simulation, which basically re‑mixes historical returns thousands of times to map many possible futures. Here, 1,000 paths over 15 years suggest a “most likely” outcome of about $2,687 from $1,000, with a wide middle range from roughly $1,707 to $3,992. The overall average annualized return across all simulations is 7.54%. This highlights that outcomes can vary a lot even when using the same starting portfolio. Monte Carlo results aren’t a forecast or promise; they just show the spread of what could happen if future patterns broadly rhymed with the past, including both strong markets and rough periods.

Asset classes Info

  • Stocks
    90%
  • Other
    10%

Asset‑class wise, the split is simple: roughly 90% in stocks and 10% in “other,” which in this case is gold. That’s notably more equity-heavy than many broad global blends, which often hold a chunk of bonds or cash. Stocks are the main driver of long‑term growth but also the main source of big ups and downs, so a 90% stock share naturally pushes risk higher. Gold tends to behave differently from equities at times, so even a 10% slice can occasionally cushion equity selloffs. Overall, the asset mix is growth‑centric, with diversification coming more from different kinds of stocks and a small gold element than from fixed income.

Sectors Info

  • Technology
    39%
  • Financials
    9%
  • Industrials
    8%
  • Health Care
    7%
  • Consumer Discretionary
    7%
  • Telecommunications
    6%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is dominated by technology at 39%, far above what’s typical in broad global or US market benchmarks. The rest is spread across financials, industrials, healthcare, consumer areas, telecom, energy, and smaller slices like utilities and real estate. A tech‑heavy tilt often benefits from innovation and digital trends, but it can be more sensitive to interest rates and market sentiment, especially when investors rotate away from growth themes. The presence of multiple non‑tech sectors does provide some balance, yet the sector mix still leans clearly toward growth‑oriented, higher‑volatility industries. That concentration helps explain both the strong historical returns and the deeper drawdowns.

Regions Info

  • North America
    71%
  • Europe Developed
    8%
  • Japan
    3%
  • Asia Developed
    3%
  • Asia Emerging
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 71% of exposure is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and smaller allocations in emerging regions and other areas. This means the portfolio is more US‑centric than a world market index, where the US is big but not this dominant. A strong US tilt has been beneficial over the last decade, as US equities have generally outperformed many other regions. It also means economic and policy developments in the US, as well as the dollar, will heavily influence returns. International positions add some global diversification, but the main story remains US‑driven equity risk.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    30%
  • Mid-cap
    14%
  • Small-cap
    5%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only. Some holdings may not have full classification data available. Percentages may not add up to 100%.

By market capitalization, the portfolio leans toward the largest companies, with around 35% in mega‑caps and 30% in large‑caps. Mid‑caps, small‑caps, and micro‑caps make up the remainder. This profile is close to a typical broad equity index, where giants naturally dominate because they’re worth more in total. Larger companies often have more diversified businesses and stronger balance sheets, which can lend some stability relative to smaller, more volatile firms. The presence of smaller caps still adds extra growth potential and variability. Overall, the size mix looks fairly market‑like, suggesting that the more distinctive features of the portfolio come from sector and product choices rather than company size.

True holdings Info

  • NVIDIA Corporation
    6.06%
    Part of fund(s):
    • ProShares UltraPro QQQ
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    5.29%
    Part of fund(s):
    • ProShares UltraPro QQQ
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    3.63%
    Part of fund(s):
    • ProShares UltraPro QQQ
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    1.74%
    Part of fund(s):
    • ProShares UltraPro QQQ
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    1.20%
    Part of fund(s):
    • ProShares UltraPro QQQ
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    0.97%
    Part of fund(s):
    • ProShares UltraPro QQQ
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    0.79%
    Part of fund(s):
    • ProShares UltraPro QQQ
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    0.78%
    Part of fund(s):
    • ProShares UltraPro QQQ
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.69%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Tesla Inc
    0.67%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • ProShares UltraPro QQQ
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 21.82%

Looking through the ETFs’ top holdings, a handful of big tech and growth names stand out: NVIDIA, Apple, Microsoft, Broadcom, Amazon, Alphabet, Meta, Tesla, and Taiwan Semiconductor. Several of these appear across multiple funds, creating hidden overlap — for example, the combination of broad US, tech, and leveraged Nasdaq‑style exposure amplifies positions in NVIDIA and Apple in particular. Only about 30% of the portfolio is covered by disclosed top‑10 holdings, so actual overlap is likely higher than shown. This kind of concentration means the performance of a few mega‑cap names can disproportionately sway overall results, especially when those names are also in the more volatile, leveraged ETF.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 90%
Size
Exposure to smaller companies
Neutral
Data availability: 90%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 90%
Quality
Preference for financially healthy companies
Neutral
Data availability: 90%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

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 across value, size, momentum, quality, yield, and low volatility sits around the “neutral” range, close to 50% for each. Factors are like investing “ingredients” — characteristics such as cheapness (value) or recent winners (momentum) that research links to returns over time. A neutral profile means the portfolio behaves broadly like the overall market on these dimensions, without strong tilts toward or away from any one factor. This is somewhat interesting given the tech and growth flavor, but it reflects the blend of broad market, dividend, international, and leveraged components. In terms of factor style, the portfolio looks well‑balanced rather than strongly specialized.

Risk contribution Info

  • ProShares UltraPro QQQ
    Weight: 10.00%
    30.1%
  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 30.00%
    25.6%
  • Vanguard Information Technology Index Fund ETF Shares
    Weight: 20.00%
    22.5%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 20.00%
    14.0%
  • Schwab U.S. Dividend Equity ETF
    Weight: 10.00%
    6.4%
  • Top 5 risk contribution 98.5%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, independent of weight. Here, the 10% allocation to the leveraged ProShares UltraPro QQQ contributes about 30% of total risk, meaning its volatility and leverage make it a key risk driver. The broad US and tech funds, at 30% and 20% weights, together bring total risk from the top three positions to roughly 78%. This illustrates how a relatively small slice in a leveraged, concentrated product can dominate portfolio behavior. It also shows that risk contribution doesn’t scale linearly with weight — some holdings are much “louder” than others in the overall mix.

Redundant positions Info

  • ProShares UltraPro QQQ
    Vanguard Information Technology Index Fund ETF Shares
    High correlation

The correlation data highlight that the leveraged ProShares UltraPro QQQ and the tech index ETF move almost identically. Correlation measures how often assets move together, on a scale from ‑1 to 1; high correlation means they tend to rise and fall in tandem. When two holdings are very tightly linked and one of them is leveraged, the combined effect can magnify swings in that particular theme. This reduces the diversification benefit between those positions: in market stress, they’re likely to drop at the same time, just with different intensity. So while there are multiple ETFs, this pair effectively acts like a concentrated bet on the same underlying segment.

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 current portfolio delivering high expected return (about 19.5%) but with fairly high volatility (around 22.9%) and a Sharpe ratio of 0.68. The Sharpe ratio measures risk‑adjusted return, comparing extra return above cash to the amount of risk taken. The efficient frontier built from these same holdings suggests that, at this risk level, a different mix could achieve materially better risk‑adjusted performance: the optimal portfolio has a Sharpe of 1.26 with similar return but much lower risk. Being roughly 7.5 percentage points below the efficient frontier indicates the current weights are not especially efficient given the ingredients already available.

Dividends Info

  • Schwab U.S. Dividend Equity ETF 3.40%
  • ProShares UltraPro QQQ 0.50%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.28%

The overall dividend yield of the portfolio is about 1.28%, modest by equity standards. Yield is the annual cash income from dividends relative to the portfolio’s value, and it can be an important part of total return over time. Within the mix, the dedicated US dividend ETF offers the highest yield at 3.4%, while the leveraged growth ETF pays very little. This reflects the portfolio’s growth‑oriented tilt: more emphasis on price appreciation than on ongoing cash payouts. For someone tracking income, it’s useful to note that most of the return historically — and likely in simulations — comes from changes in prices rather than from dividends.

Ongoing product costs Info

  • SPDR Gold Mini Shares 0.10%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • ProShares UltraPro QQQ 0.88%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.14%

The portfolio’s weighted ongoing cost (TER) is around 0.14% per year, which is impressively low for a multi‑ETF mix. TER, or Total Expense Ratio, is like a built‑in annual service fee charged by funds; lower costs leave more of the returns in the investor’s pocket. Most holdings here are very low‑cost index funds in the 0.03%–0.10% range, with the leveraged ETF at 0.88% being the outlier. Even so, the overall cost stays quite competitive thanks to the heavy weighting in cheaper vehicles. This cost efficiency supports long‑term compounding and is well‑aligned with common best practices for building diversified, index‑based portfolios.

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