This portfolio is a tech-chasing US worshipper accidentally built almost perfectly but still slightly overcaffeinated
Report created on Sep 23, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 60.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 10.00%
Structurally this thing is “three-fund portfolio” cosplay with an extra shot of Nasdaq for vibes. Sixty percent in the S&P 500, twenty in international, then ten small-cap value and ten Nasdaq 100 slapped on like accessories. It looks diversified at a glance, but the core is basically one giant US large-cap engine with two small turbochargers bolted on. The overlap between S&P 500 and Nasdaq means a big chunk is really just the same mega-cap growth names in different wrappers. So composition-wise, it’s not chaos, but it is pretending to be more complex and diversified than it actually is.
Growth
Historically, the portfolio has done very well on paper: $1,000 turned into $2,334, with a 15.41% CAGR. CAGR (compound annual growth rate) is basically “average speed over the whole road trip,” potholes included. Against the US market, this portfolio managed the heroic feat of…slightly underperforming by 0.21% per year while taking a nearly identical max drawdown of about -25%. Versus the global market, it looks like a genius, but that’s mainly because global lagged. The 29 days that make up 90% of returns underline the usual lesson: miss a handful of big up days and the whole magic trick falls apart.
Projection
The Monte Carlo projection politely reminds that markets don’t care about backtests. Monte Carlo basically runs thousands of parallel futures by shaking returns around like dice and seeing where the dollars land. Median outcome is $2,788 from $1,000 after 15 years, with a pretty wide “could be fine, could be meh, could be ouch” range from about $943 to $7,854. An 8.14% average simulated return is far less spicy than the historical 15%+ joyride. Translation: recent history was the party; the simulations assume the bouncer eventually shows up. Past data is yesterday’s weather — helpful, but not a prophecy.
Asset classes
- Stocks 100%
Asset class “diversification” here is extremely simple: 100% stocks, zero of anything else. It’s like going to a buffet and loading only on fries. Equities are where growth usually lives, but they also throw the biggest tantrums during crashes because there’s no bonds or cash buffer to absorb hits. Calling this “balanced” with a 4/7 risk score is generous; the only balance is between different flavors of stocks. In practice, this portfolio is fully strapped into the equity roller coaster with no gentle ride in sight. Fine if that’s the intent, but the asset-class mix is all throttle, no brakes.
Sectors
- Technology 34%
- Financials 15%
- Consumer Discretionary 10%
- Industrials 9%
- Telecommunications 8%
- Health Care 8%
- Consumer Staples 5%
- Energy 5%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector-wise, tech is absolutely running the show at 34%. Add in consumer discretionary and communication-heavy names inside those indexes and you’ve basically built a “growth and gadgets” portfolio wearing a diversified costume. That concentration means sector risk is real: when the tech narrative wobbles, this thing doesn’t just catch a cold, it gets the full flu. The rest of the sectors look like they’re there for decoration, not leadership. Compared with broad global equity, this is definitely a tech-tilted operation, heavily reliant on one high-expectation part of the economy continuing to be the main character.
Regions
- North America 81%
- Europe Developed 7%
- Asia Developed 3%
- Japan 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, this portfolio is firmly in the “America or it doesn’t count” camp, with 81% in North America. The token 19% scattered across Europe, Japan, developed Asia, and emerging markets is basically there to say “we tried.” Global markets are more spread out, but this one assumes the US remains the default main character forever. That home bias worked historically, especially versus global benchmarks, but it’s still a bet, whether intended or not. When the US booms, it looks smart; if the rest of the world has its moment, this portfolio will be watching from the couch with FOMO.
Market capitalization
- Mega-cap 42%
- Large-cap 30%
- Mid-cap 16%
- Small-cap 6%
- Micro-cap 5%
Market cap exposure is mostly mega and large caps (72% combined), with mid caps at 16% and small/micro scraps trying to make themselves noticed at 11%. So despite owning a “small cap value” fund, the overall portfolio is still a big-company machine. Mega caps drive the bus; everything else is riding coach. That means returns and risk are dominated by the largest, most widely owned names on the planet — the stuff everyone else also owns. The small and micro exposure is more like seasoning than a real tilt, just enough to say “we thought about factor tilting” without actually committing.
True holdings
-
NV NVIDIA Corporation 5.70%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc. 5.01%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 4.01%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.74%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.13%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.74%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.59%
Part of fund(s):- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 1.47%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.46%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.23%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Top 10 total 27.06%
The look-through holdings scream “I ❤️ the Magnificent Everything.” NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, Broadcom — all show up heavily via multiple ETFs. Nvidia at 5.7%, Apple at 5%, Microsoft at 4% is a big chunk in just three names, and that’s only from partial top-10 coverage. Overlap is clearly high between S&P 500 and Nasdaq 100, meaning hidden concentration in the same mega-cap growth royalty. You’re not holding four funds; you’re holding one giant bet on a handful of US tech and tech-adjacent giants, plus some side extras. Diversification here is less “many eggs” and more “same eggs, several baskets.”
Factors
Factor exposure is impressively neutral across the board: value, size, momentum, quality, yield, low volatility — all basically hugging the market average. Factors are like the hidden flavors that explain why a portfolio behaves the way it does; this one is vanilla. That sounds boring, but it’s actually pretty coherent: no accidental deep-value gamble, no YOLO momentum chase, no ultra-defensive low-vol obsession. Even with a small-cap value sleeve and a big tech presence, the overall mix comes out balanced. Weirdly, for a portfolio that clearly plays favorites in geography and sector, the factor profile is the most grown-up, measured thing about it.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 60.00% 59.2% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 17.1% -
Invesco NASDAQ 100 ETF
Weight: 10.00% 12.5% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 11.2%
Risk contribution lines up almost perfectly with weights: the S&P 500 slice is 60% of the portfolio and contributes 59% of total risk. That’s unusually tidy. The Nasdaq 100 and small-cap value slices are punching a bit above their weight — 10% each in size but 12.5% and 11.2% of risk — which is exactly what you’d expect from racier segments. No tiny position secretly hijacking volatility, no 5% holding causing 25% of heartburn. The price of this neat structure is that concentration is brutally obvious: the S&P 500 chunk is the driver, the rest are just slightly rowdy passengers.
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.
On risk vs. return, this portfolio is annoyingly efficient. The Sharpe ratio — return per unit of risk — is 0.72, while the maximum Sharpe you could get using the existing ingredients is 0.93. That means, on paper, a better mix is possible, but you’re already basically on the efficient frontier curve. The minimum variance version would be a bit calmer with slightly lower returns and still a higher Sharpe than your current setup. So the roast is: the ingredient list is solid and mathematically efficient, but the chosen recipe is tilted a bit more toward “fun volatility” than strictly necessary for the same risk-adjusted payoff.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.60%
- Invesco NASDAQ 100 ETF 0.30%
- Vanguard S&P 500 ETF 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.30%
- Weighted yield (per year) 1.25%
The portfolio’s dividend yield around 1.25% is… not exactly an income machine. With Nasdaq at 0.3% and the S&P 500 barely at 1%, the income side is more of a polite bonus than a feature. International and small-cap value try to lift the average with somewhat higher yields, but they’re too small to change the story. This is a capital-growth portfolio that occasionally drops spare change into your account. Anyone expecting juicy payouts from this setup is basically trying to squeeze orange juice out of a bag of chips — wrong tool for that particular job.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.07%
Costs are the part that actually deserve a slow clap. A total TER of 0.07% is impressively low; this is a cheap way to run a full-equity, index-heavy portfolio. The slightly pricier small-cap value and Nasdaq pieces are still reasonable and get diluted by the rock-bottom Vanguard cores. It’s like you somehow assembled a mostly custom burger for fast-food prices. Fees aren’t the villain here — if anything, they’re the one area where the portfolio feels almost suspiciously sensible, as if someone accidentally did real homework before clicking “buy.”
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