A growth focused us equity portfolio with heavy tech tilt and overlapping large cap exposure

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 an investor who is comfortable with meaningful ups and downs in pursuit of higher long‑term growth. They likely have a long time horizon—think 10 years or more—and can tolerate seeing their account drop 30% or more during bear markets without abandoning the plan. Their goals might include building substantial wealth, funding retirement far in the future, or growing capital for large future expenses rather than generating current income. They probably prioritize simplicity, low fees, and US‑centric exposure, and are okay with tech and large‑cap concentration. Emotional resilience and a strong commitment to staying invested through volatility are key traits for someone aligned with this style.

Positions

  • Vanguard Total Stock Market Index Fund ETF Shares
    VTI - US9229087690
    55.00%
  • Invesco S&P 500® Top 50 ETF
    XLG - US46137V2337
    35.00%
  • VanEck Semiconductor ETF
    SMH - US92189F6768
    10.00%

This portfolio is very concentrated in just three stock ETFs, with over half in a broad total US market fund, more than a third in a top‑50 large‑cap fund, and a smaller slice in a focused semiconductor fund. Compared with a typical core portfolio that mixes stocks with bonds and sometimes cash, this setup is all‑equity and tilted toward a narrow set of big companies. That structure can drive strong growth in good markets but leaves little cushion when stocks fall. One useful step here is to decide how much overlap between the total‑market and top‑50 holdings is intentional and whether any piece should be replaced by something that adds true differentiation.

Growth Info

Historically, this mix shows a very strong compound annual growth rate (CAGR) of 18.25%. CAGR is the “per year on average” growth rate, like figuring your average speed over a long road trip, not each mile. That’s comfortably above what broad stock benchmarks have delivered long term, which highlights how powerful a tech‑tilted US equity run has been. The flip side is a max drawdown of ‑32.9%, meaning at one point the portfolio was roughly a third below a prior peak. That kind of drop is normal for an aggressive equity mix. It’s worth stress‑testing whether that level of decline feels bearable during extended downturns.

Projection Info

The Monte Carlo analysis, which runs 1,000 random “what if” market paths using historical patterns, shows a wide range of possible future outcomes. Monte Carlo is basically a big set of simulated futures, using past returns and volatility to estimate where things might land, not to predict the exact result. The median outcome of about 1,648% suggests large potential growth, but the 5th percentile at roughly 260% shows downside scenarios are still meaningfully positive in the model. That said, historical data can overstate future returns, especially after a strong decade for US large cap and tech. It’s sensible to treat these projections as a rough map, not a promise.

Asset classes Info

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

All assets are in stocks, with 0% in bonds, cash, or alternatives. This is very typical for a high‑growth profile but less typical for someone who wants smoother ride and capital preservation. An all‑equity portfolio maximizes long‑term growth potential but also maximizes exposure to full stock‑market swings. Many broad benchmarks mix in some bonds to reduce volatility and drawdowns. This fully stock‑based setup aligns with aggressive growth goals, which is a positive if that risk level is deliberate. It can help to decide whether any stabilizing assets are needed, or if the plan is to rely entirely on time horizon and emotional discipline to ride out rough markets.

Sectors Info

  • Technology
    44%
  • Telecommunications
    11%
  • Financials
    11%
  • Consumer Discretionary
    10%
  • Health Care
    8%
  • Industrials
    6%
  • Consumer Staples
    5%
  • Energy
    3%
  • Real Estate
    1%
  • Basic Materials
    1%
  • Utilities
    1%

Sector exposure is heavily skewed: technology alone is 44%, with the rest spread across communication services, financials, consumer cyclical, healthcare, industrials, and smaller slices elsewhere. This kind of tech‑heavy structure often outperforms when innovation and growth stories dominate, but it tends to be more sensitive when interest rates rise or when markets rotate toward cheaper, slower‑growth companies. The semiconductor ETF amplifies this tech tilt further. The sector breakdown is broadly similar to cap‑weighted US benchmarks but turned up in tech intensity. It can be helpful to check whether this tech overweight is intentional and aligned with comfort around higher volatility and potential sharp drawdowns when that sector cools off.

Regions Info

  • North America
    98%
  • Asia Developed
    1%
  • Europe Developed
    1%
  • Asia Emerging
    0%
  • Latin America
    0%

Geographically, the portfolio is almost pure North America at 98%, with just tiny slices in developed Asia and Europe via the broad US ETF’s foreign revenue exposure and cross‑listed companies. That home‑country focus has been a tailwind over the last decade, as US markets and large‑cap tech have led global performance. Compared with global benchmarks that include more international exposure, this is a clear US‑centric tilt. The upside is simplicity and strong alignment with familiar markets, regulation, and currency. The trade‑off is missing diversification benefits if non‑US markets outperform in certain stretches. It’s useful to consider whether any explicit international allocation fits the long‑term comfort level with regional concentration.

Market capitalization Info

  • Mega-cap
    52%
  • Large-cap
    31%
  • Mid-cap
    11%
  • Small-cap
    4%
  • Micro-cap
    1%

Market cap exposure leans heavily toward the very largest companies: about 52% in mega caps and 31% in big caps, with much smaller pieces in mid, small, and micro caps. This matches or even exceeds the large‑cap tilt of common benchmarks, especially due to the top‑50 ETF. Large companies often bring more stability and established cash flows, but they can be more tied to overall index moves, reducing differentiation. Meanwhile, mid and small caps, while more volatile, can offer different growth drivers. The current breakdown is well‑aligned with mainstream US equity indices, which is good for familiarity and liquidity. Still, it’s worth deciding if the current large‑cap concentration fits desired balance between stability and diversification.

Redundant positions Info

  • Invesco S&P 500® Top 50 ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

Two of the three ETFs—the total US market and the top‑50 large‑cap fund—are highly correlated, meaning they move very similarly most of the time. Correlation measures how often things go up and down together; when it’s high, the diversification benefit is limited during market stress. Owning both here mostly increases exposure to the same big US names instead of spreading risk into truly different areas. This overlap does support the growth story but doesn’t do much for smoothing the ride. It may be helpful to review whether both are needed, or if one core holding plus something less correlated could deliver a more balanced risk profile without changing the overall growth focus.

Dividends Info

  • VanEck Semiconductor ETF 0.30%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Invesco S&P 500® Top 50 ETF 0.70%
  • Weighted yield (per year) 0.88%

The total portfolio yield is 0.88%, with the total market ETF providing most of that income and the semiconductor fund contributing very little. This is a low‑to‑moderate yield for an equity‑growth setup and is quite typical for a portfolio tilted toward growth and technology. Dividends can be useful for investors who want some cash flow or a small built‑in return even when prices move sideways, but they are not the main driver here. Instead, the focus is clearly on price appreciation. For someone comfortable reinvesting dividends and riding market cycles, this structure works well; those seeking meaningful current income might need a different mix or a separate income‑oriented sleeve.

Ongoing product costs Info

  • VanEck Semiconductor ETF 0.35%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Invesco S&P 500® Top 50 ETF 0.20%
  • Weighted costs total (per year) 0.12%

The blended ongoing cost (TER) of about 0.12% is impressively low, especially for a portfolio with a specialized ETF in the mix. TER, or total expense ratio, is like an annual service fee taken directly from fund assets; keeping it low leaves more return in your pocket over time. This cost level is well below many actively managed strategies and aligns closely with best practices for long‑term investing. The biggest fee drag comes from the semiconductor ETF at 0.35%, which is still moderate for a niche area. Overall, the fee structure strongly supports long‑term compounding, so future tweaks can focus more on diversification and risk balance than on cost cutting.

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.

From a risk‑return angle, this portfolio sits in an aggressive spot that likely lies above the risk level many “balanced” portfolios would target, but that’s consistent with a growth profile. The Efficient Frontier concept looks at all possible mixes of current holdings to find combinations that give the highest expected return for each level of volatility, based only on these three ETFs. Because two funds are highly overlapping, shifting weights between them won’t meaningfully improve efficiency—true gains would come from adding or substituting less‑correlated assets. Efficiency here means the best risk‑return trade‑off, not necessarily the broadest diversification, so it’s important to decide if maximizing growth per unit of risk is the primary goal.

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