A high growth US heavy portfolio with strong tech tilt and impressive historical performance

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.

What type of investor this portfolio is suitable for

Growth Investors

This setup fits someone with a high risk tolerance who is comfortable with big swings in portfolio value. The ideal investor is focused on long‑term growth, willing to hold through deep but temporary drawdowns, and not dependent on the portfolio for near‑term spending. A time horizon of 10 years or more is a better match so there’s room to ride out full market cycles. This kind of person tends to prioritize innovation and upside potential over stability or income, accepts that returns may be lumpy, and understands that strong past performance in tech‑heavy strategies might not repeat at the same pace in every future decade.

Positions

  • VanEck Semiconductor ETF
    SMH - US92189F6768
    50.00%
  • Vanguard S&P 500 ETF
    VOO - US9229083632
    30.00%
  • Vanguard Information Technology Index Fund ETF Shares
    VGT - US92204A7028
    20.00%

This portfolio is built from three ETFs and is extremely equity heavy with 100% in stocks. Roughly half sits in a focused semiconductor fund, another chunk in broad large US companies, and the rest in a tech index ETF. Compared with a typical growth benchmark that mixes broad stocks with some defensive assets, this setup leans much more into a single growth theme. That matters because when that theme does well, results can be spectacular, but downturns can also feel sharper and more concentrated. Someone using this structure might consider whether they want such a pronounced tilt, or if slowly blending in more broadly diversified funds or stabilizing assets fits their comfort level better.

Growth Info

Historically this mix has delivered a very strong compound annual growth rate (CAGR) of 27.28%. CAGR is like the average yearly “speed” of growth over time, smoothing out ups and downs. For context, this comfortably beats long‑term broad stock market returns, which is impressive. However, there has also been a max drawdown of about –40.12%, meaning at one point the portfolio value was down that much from a recent peak. That kind of drop is typical for aggressive growth but can be emotionally tough. Past numbers show what this mix has handled well, but they can’t guarantee the same results going forward, especially if tech or semiconductors cool off.

Projection Info

The Monte Carlo analysis ran 1,000 simulations and shows a wide range of possible future outcomes, with an average annualized return of 28.23%. Monte Carlo simulation uses historical patterns and volatility to create many “what if” paths, then summarizes likely ranges, like the 5th percentile (361.4%) and median (2,354.0%) ending values. It’s useful because it highlights how bumpy the ride could be, not just the best‑case scenario. Still, these projections are based on the past behavior of this style of portfolio. If markets change—say, the tech cycle shifts or valuations compress—actual results can deviate meaningfully from these simulated paths.

Asset classes Info

  • Stocks
    100%
  • Cash
    0%
  • Other
    0%

All of the money is in one asset class: stocks. This is very typical for a growth profile but still more aggressive than many “growth” portfolios that keep some allocation in bonds, real assets, or cash. Sticking to only stocks maximizes exposure to market growth and innovation but also removes natural “shock absorbers” that can cushion big sell‑offs. The upside is simple structure and clear growth focus, which is aligned with the profile. Anyone running this kind of allocation might think about how they’d feel in a prolonged stock downturn and whether gradually introducing a small portion of stabilizing assets later on could help smooth the ride.

Sectors Info

  • Technology
    80%
  • Financials
    4%
  • Telecommunications
    3%
  • Consumer Discretionary
    3%
  • Health Care
    3%
  • Industrials
    2%
  • Consumer Staples
    1%
  • Energy
    1%
  • Utilities
    1%
  • Real Estate
    1%
  • Basic Materials
    0%

Sector exposure is highly concentrated: around 80% in technology, with the rest scattered in areas like financials, communication, consumer, healthcare, and industrials. This is much more tech‑heavy than typical broad benchmarks, which usually spread more evenly across many sectors. Tech and especially semiconductors often benefit during innovation booms and growth cycles, but they can be hit hard when interest rates rise or when markets rotate into more defensive areas. The strong tilt can be a feature if the goal is to lean into innovation. To avoid one theme driving nearly all outcomes, some investors would gradually balance out exposure to more defensive or cyclical parts of the market.

Regions Info

  • North America
    91%
  • Asia Developed
    6%
  • Europe Developed
    4%
  • Asia Emerging
    0%
  • Latin America
    0%

Geographic exposure is overwhelmingly in North America at about 91%, with only modest allocations to developed Asia and Europe. Compared to global benchmarks that hold larger portions overseas, this is a strong home‑bias toward the US, which has actually been very rewarding in the last decade. This alignment with US leadership is a positive, and the broad US fund in the mix helps cover multiple industries and companies. The trade‑off is that results are highly tied to how US markets and currency perform. Expanding international exposure over time could bring in additional growth drivers and may help if US stocks experience a long stretch of underperformance relative to other regions.

Market capitalization Info

  • Mega-cap
    45%
  • Large-cap
    41%
  • Mid-cap
    11%
  • Small-cap
    2%
  • Micro-cap
    1%

By market capitalization, the portfolio is dominated by mega and big companies, with about 86% in those larger firms and smaller slices in medium, small, and micro caps. This is very similar to common large‑cap benchmarks and is generally positive for stability and liquidity, since mega and big companies tend to be more established and trade more smoothly. The smaller allocation to mid and small caps still adds some extra growth potential and diversification. If someone wants even more growth “juice,” they could increase smaller‑company exposure, but that usually brings more volatility. As it stands, the size mix is reasonably aligned with standard large‑cap‑tilted growth strategies.

Dividends Info

  • VanEck Semiconductor ETF 0.30%
  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • Vanguard S&P 500 ETF 1.10%
  • Weighted yield (per year) 0.56%

The blended dividend yield of about 0.56% is quite low, which is normal for a growth‑oriented, tech‑heavy portfolio. Dividends are the cash payments companies make to shareholders and can be important for investors seeking current income. Here, the focus is clearly on capital appreciation rather than cash flow, with most of the return expectation coming from price growth. This lines up with a long‑term growth mindset and reinvestment of earnings into future expansion. If at some point a steadier income stream becomes important—say, approaching retirement—it could make sense to start tilting gradually toward holdings with higher and more stable dividend yields while still preserving a growth tilt.

Ongoing product costs Info

  • VanEck Semiconductor ETF 0.35%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.20%

The total ongoing cost (TER) of roughly 0.20% is very competitive and supports better long‑term outcomes. Costs act like a slow leak in a tire: small differences each year compound into meaningful gaps over decades. Here, the broad market ETF is extremely cheap, and even the specialized semiconductor fund—while higher—is still reasonable for a focused theme. This cost structure is a clear strength: the fees are impressively low, which keeps more of the portfolio’s return in your pocket. Staying disciplined about keeping overall costs down, especially when adding or swapping funds in the future, can help maintain this advantage over higher‑fee approaches.

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.

On a risk‑return chart, this portfolio sits toward the high‑return, high‑volatility end because of its strong tech and semiconductor focus. The Efficient Frontier is a way of mapping which combinations of the existing holdings offer the best possible trade‑off between risk (ups and downs) and expected return. “Efficient” here simply means no other mix of these same ETFs would give more return for the same risk or less risk for the same return. Within these three funds, shifting a bit away from the most concentrated theme and toward the broader fund could move the portfolio closer to that efficient line while still keeping a clear growth orientation intact.

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