Strong tech tilt with broad US stock market core and efficient high growth profile
Report created on May 28, 2026Risk profile
5/7
Diversification profile
2/5
Positions
-
FT Fidelity® MSCI Information Technology Index ETF
FTEC - US3160928087 50.00% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 50.00%
This portfolio is built from just two funds, split 50/50 between a broad US total stock market ETF and a focused information technology ETF. That means every dollar is in stocks, with no bonds or cash buffers inside the allocation. Structurally, it’s simple and easy to understand: one fund provides wide market coverage, while the other deliberately leans into tech. Simplicity like this can make it easier to track what’s driving returns and risk. The trade-off is that diversification is limited by the small number of holdings and the intentional tech emphasis, so portfolio behavior will largely follow US equities with an extra sensitivity to technology-related themes.
Growth
Over the period from mid‑2016 to May 2026, $1,000 in this mix grew to about $6,620. That translates to a compound annual growth rate (CAGR) of 20.88%, meaning the portfolio grew on average about 20.88% per year as if on a smooth path. This clearly outpaced both the US market (15.39% CAGR) and the global market (12.76% CAGR). The max drawdown of roughly -33% shows that it still experienced sharp temporary losses, similar in depth to the benchmarks. The fact that 90% of returns came from just 45 days highlights how a handful of strong days drove most gains, which is common for equity-heavy, growth-tilted portfolios. Past performance, however, doesn’t guarantee similar future results.
Projection
The Monte Carlo simulation projects many possible 15‑year paths based on how this portfolio behaved historically. Monte Carlo is basically a “what if” engine: it shuffles and replays patterns of returns thousands of times to show a range of potential outcomes. Here, the median result turns $1,000 into about $2,808, with a wide “middle band” from roughly $1,858 to $4,366. The all‑simulation average annual return of 8.29% is much lower than the backward‑looking 20.88% CAGR, which builds in the possibility that future growth may be more modest and volatile. These projections are not predictions; they simply illustrate how uncertain long‑term stock returns can be.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash, or alternative assets. Equities are typically the main growth engine in a portfolio, but they also swing more sharply in both directions than bonds or cash. Having 100% in stocks means full exposure to equity market ups and downs, without the damping effect that fixed income usually provides. Compared with many broad multi‑asset benchmarks, this is a more aggressive stance because there is no built‑in buffer during market stress. The benefit is maximum participation in any equity rally; the cost is living through deeper and faster drawdowns when markets fall.
Sectors
- Technology 66%
- Financials 6%
- Telecommunications 5%
- Industrials 5%
- Consumer Discretionary 5%
- Health Care 5%
- Consumer Staples 2%
- Energy 2%
- Real Estate 1%
- Utilities 1%
- Basic Materials 1%
Sector-wise, about 66% of the portfolio sits in technology, with the rest spread thinly across areas like financials, telecoms, industrials, consumer-related sectors, health care, and others. That’s a much heavier tech tilt than a broad US or global equity benchmark, where tech is important but not two‑thirds of the pie. Heavy tech exposure often means returns are more tied to innovation cycles, earnings expectations, and interest rate moves, since growth stocks can be sensitive to changes in discount rates. When tech is leading, this kind of portfolio can outperform broad markets; during periods when investors rotate away from growth or when regulation or sentiment hits tech, it can lag and feel bumpier.
Regions
- North America 99%
Geographically, about 99% of the portfolio is in North America, effectively making it a US‑centric equity portfolio. That’s common for investors in the US, but it’s a clear tilt versus global equity benchmarks, where the US is large but not nearly 99% of total market value. A concentrated home bias like this means outcomes are tightly linked to the US economy, corporate earnings, and the dollar. When US markets outperform the rest of the world, this structure benefits. If leadership rotates to other regions, a US‑heavy portfolio might miss some of that growth. Still, sticking close to a dominant, well‑researched market also keeps things straightforward and transparent.
Market capitalization
- Mega-cap 48%
- Large-cap 28%
- Mid-cap 15%
- Small-cap 7%
- Micro-cap 2%
By market capitalization, this portfolio leans strongly toward bigger companies: about 48% in mega‑caps and 28% in large‑caps, with the remainder in mid, small, and micro caps. That pattern is broadly in line with total market weights, though the tech tilt likely amplifies exposure to some of the largest firms. Bigger companies tend to be more established and widely followed, which can reduce company‑specific risk compared with a portfolio dominated by tiny firms. On the other hand, smaller caps, which are present but a minority here, can be more volatile and sometimes offer different growth dynamics. Overall, this mix reflects a mainstream, large‑company‑led profile with only a modest allocation to the smallest parts of the market.
True holdings
-
NV NVIDIA Corporation 13.14%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 10.15%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 6.67%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 3.59%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.85%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 1.76%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
-
GO Alphabet Inc Class A 1.62%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Advanced Micro Devices Inc 1.47%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
-
GO Alphabet Inc Class C 1.27%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
IN Intel Corporation 1.08%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
- Top 10 total 42.59%
Looking through the ETFs, some individual companies stand out as major underlying exposures. NVIDIA at about 13%, Apple around 10%, and Microsoft near 7% together make up a sizable slice of the portfolio. Several other big tech and internet names appear in the top list, often through both funds, which creates overlap. This kind of overlap is normal when combining a tech sector ETF with a broad market ETF but it does mean hidden concentration in a handful of giants. Since only ETF top‑10 holdings are captured, the true overlap could be somewhat higher. When those big names move sharply, they’re likely to drive a meaningful share of the portfolio’s total ups and downs.
Factors
Factor exposure here is fairly balanced, with most factors (size, momentum, quality) sitting close to neutral, meaning similar to broad market averages. There are mild tilts away from value, yield, and low volatility. In plain terms, the portfolio is a bit less focused on cheap, high‑dividend, and smoother‑riding stocks, and a bit more aligned with growth‑oriented, higher‑priced names that may not prioritize dividends. Factor investing looks at these traits as “ingredients” behind returns. A lower tilt to low volatility and yield fits with the tech bias and all‑equity structure, which naturally leans toward growth more than stability. Overall, it behaves like a mainstream equity portfolio with a growth edge rather than a heavily factor‑engineered strategy.
Risk contribution
-
Fidelity® MSCI Information Technology Index ETF
Weight: 50.00% 57.7% -
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 50.00% 42.3%
Risk contribution shows how much each holding drives overall volatility, which can differ from its weight. Even though both funds are 50% by weight, the tech ETF contributes about 57.7% of the portfolio’s total risk, while the total market ETF contributes roughly 42.3%. That tells you the tech slice is more volatile and more correlated with big swings, so it punches above its weight in driving portfolio ups and downs. This is consistent with the sector and concentration data: a focused, growth‑heavy ETF usually moves more than a broad market fund. Seeing risk contribution line up this way is helpful because it clarifies that the portfolio’s “personality” is more tech‑driven than a simple 50/50 weight might suggest.
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 efficient frontier analysis suggests this portfolio sits on or very close to the optimal curve for its holdings. The Sharpe ratio, which measures risk‑adjusted return by comparing excess return above cash to volatility, is 0.78 for the current mix. The maximum‑Sharpe combination of these same two ETFs would reach 0.99 with slightly higher risk and return, while the minimum‑variance mix lowers risk but also return, with a Sharpe of 0.8. Being near the frontier means that, given these two building blocks, the portfolio is already making efficient use of its risk level. Any improvements in the risk/return trade‑off would mainly come from reweighting or changing the underlying building blocks themselves, not from fixing inefficiencies.
Dividends
- Fidelity® MSCI Information Technology Index ETF 0.30%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Weighted yield (per year) 0.65%
The portfolio’s overall dividend yield is about 0.65%, with the tech ETF yielding around 0.30% and the total market ETF about 1.00%. That’s on the low side compared with many income‑oriented portfolios, which is typical for growth‑heavy, tech‑tilted strategies. Dividends are the cash payouts companies make from their profits; over very long periods, they can be a meaningful part of total return. Here, most of the expected return is likely to come from price changes rather than income. This aligns with the factor profile showing lower yield exposure. For someone tracking this portfolio, it’s useful to know that the ride will feel more about capital appreciation swings than regular, sizable cash distributions.
Ongoing product costs
- Fidelity® MSCI Information Technology Index ETF 0.08%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.06%
Costs are a clear strength here. The total expense ratio (TER) averages about 0.06%, with 0.08% for the tech ETF and 0.03% for the broad market ETF. TER is the annual fee charged by a fund, taken out of assets automatically, a bit like a small service charge. These levels are very low by industry standards, especially for index‑tracking ETFs. Low ongoing costs help more of the portfolio’s gross return show up in your net result, and the benefit compounds over time. Combined with the portfolio’s straightforward, index‑based structure, the fee profile supports efficient long‑term compounding rather than eroding it.
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