Extremely concentrated high growth portfolio with aggressive use of leverage and heavy mega 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
Speculative Investors
This kind of portfolio fits a very aggressive, high‑conviction investor who is comfortable with large swings in account value and is focused on long‑term, outsized growth rather than stability or income. The ideal time horizon is long—think 10 years or more—so there’s time to recover from deep drawdowns and benefit from compounding after big rallies. This personality typically accepts that falls of 50–60% are possible and is willing to stay invested through those storms without panic selling. Cash‑flow needs from the portfolio are minimal or far in the future, and the investor is intentionally making a big bet on innovative, high‑growth companies rather than seeking a smoother, benchmark‑like experience.
Positions
-
ProShares UltraPro QQQ
TQQQ - US74347X8314 25.00% -
Apple Inc
AAPL - US0378331005 15.00% -
Alphabet Inc Class A
GOOGL - US02079K3059 15.00% -
Meta Platforms Inc.
META - US30303M1027 15.00% -
NVIDIA Corporation
NVDA - US67066G1040 15.00% -
Vertiv Holdings Co
VRT - US92537N1081 15.00%
This portfolio is extremely concentrated: five individual large tech-related stocks plus one leveraged ETF make up 100% of assets. About 90% is in stocks, 5% in other instruments, and 5% in cash, with a speculative risk rating and the lowest diversification score. That means results will be driven by a very small set of names and a triple‑leveraged growth ETF. Concentration can supercharge gains but also magnifies losses if those few holdings struggle together. To improve balance, it can help to decide what minimum number of positions or asset types you want and then gradually spread new contributions into additional holdings rather than adding more to the same names.
Growth
Historically this mix has been a rocket ship: a roughly 42.8% compound annual growth rate (CAGR) means a $10,000 starting amount could have grown to well over $100,000 in a decade. However, the maximum drawdown of about –61% shows that at some point a $100,000 value could have fallen to around $39,000. Only 39 trading days made up 90% of returns, meaning missing a handful of huge up days would have dramatically changed the outcome. Past numbers look amazing, but they reflect an unusually strong run for these specific names and may not repeat, so it’s wise to stress‑test how you’d feel living through another 60% slide.
Projection
The forward projections use Monte Carlo simulation, which basically runs thousands of “what if” paths by shuffling historical returns and volatility to see a range of possible futures. Here, the median (50th percentile) path suggests several‑thousand‑percent growth, with even the lower 5th percentile still showing strong gains. The average simulated annual return over all paths is above 50%, which is eye‑popping. But Monte Carlo relies heavily on past behavior; if these assets face a weaker decade, new regulations, or changing market leadership, outcomes could be very different. It’s useful to treat these projections as stress‑testing tools, not promises, and ask whether such wild swings match your real‑world time horizon and emotional tolerance.
Asset classes
- Stocks 90%
- Other 5%
- Cash 5%
Asset‑class exposure is overwhelmingly tilted to equities, with only a tiny buffer from cash and “other” holdings. Being nearly all‑in on stocks maximizes participation in market rallies but leaves little cushion during broad sell‑offs, especially when combined with leverage. Broad benchmarks usually mix in more stabilizing assets like bonds or defensive strategies to smooth the ride. This all‑equity style can work for very long horizons and strong stomachs, but it invites deep interim drawdowns. One way to dial the ride to your comfort level is to pre‑define a small percentage range for stabilizing assets and nudge future deposits there whenever the stock side has surged, so you don’t have to time the market with big one‑off shifts.
Sectors
- Technology 43%
- Telecommunications 34%
- Industrials 16%
- Consumer Discretionary 3%
- Consumer Staples 2%
- Health Care 1%
- Utilities 0%
- Basic Materials 0%
- Energy 0%
- Financials 0%
- Real Estate 0%
Sector exposure is heavily tilted toward technology and communication‑services names, with a meaningful chunk in industrials via Vertiv and only token amounts elsewhere. This tech‑and‑digital‑platform bias has been rewarded during low‑rate, growth‑friendly years, but it can be very sensitive to rising interest rates, regulatory pressure, or a shift toward more value‑oriented areas. Common broad benchmarks are more balanced across areas like healthcare, financials, and consumer staples, which often behave differently across cycles. The current setup is a focused bet on continued dominance of a few innovative businesses. One practical way to reduce single‑theme risk over time is to direct new contributions into more diversified funds that naturally include a broader sector mix, while letting existing winners run.
Regions
- North America 99%
- Europe Developed 0%
- Latin America 0%
- Asia Emerging 0%
Geographically, almost everything is tied to North America, especially the U.S., with essentially no direct exposure to Europe or emerging regions. This home‑bias has worked well over the last decade as U.S. mega caps have led global markets. But it also means results depend heavily on one economy, one currency, and one regulatory environment. Many global benchmarks hold a sizeable portion outside the U.S. to hedge against country‑specific shocks or periods when other regions lead. To gently broaden geographic diversity without overhauling things, you could set a simple goal like “grow non‑U.S. exposure to X% over the next few years” and funnel a slice of each new dollar or dividend into a more global holding.
Market capitalization
- Mega-cap 67%
- Large-cap 21%
- Mid-cap 2%
Market‑cap exposure is dominated by mega‑cap and large‑cap companies, with almost no presence in mid‑caps or smaller names. Mega caps tend to be more mature, widely followed businesses, which can mean relatively more stability than tiny speculative stocks, but here they’re combined with leverage and high growth expectations, which reintroduces big swings. Compared with broad market indexes that include more mid‑ and small‑cap companies, this tilt bets that the largest firms will keep winning. A simple way to broaden the size mix without micromanaging is to incorporate at least one diversified fund that tracks a more complete market universe, allowing automatic rebalancing between large and smaller names as leadership changes over time.
Dividends
- Apple Inc 0.40%
- Alphabet Inc Class A 0.30%
- Meta Platforms Inc. 0.30%
- ProShares UltraPro QQQ 0.70%
- Vertiv Holdings Co 0.10%
- Weighted yield (per year) 0.34%
Dividend yield is very low, around a third of a percent overall, because the holdings are classic growth names that usually reinvest profits rather than paying them out. That’s not a bad thing if the priority is maximum capital appreciation and you don’t need current income; many successful growth stories look like this. It does mean almost all of your return depends on price gains, which can be more volatile and sentiment‑driven than steady dividends. For someone expecting to eventually draw cash from the portfolio, it can help to map out when you’ll need income and consider gradually mixing in higher‑yielding or more income‑oriented assets as that date approaches, so you’re not forced to sell during a rough patch.
Ongoing product costs
- ProShares UltraPro QQQ 0.88%
- Weighted costs total (per year) 0.22%
Costs are relatively high mainly because of the leveraged ETF, which carries an expense ratio close to 0.9%, pulling the total expense rate above simple index‑fund levels. Fees might look small, but over many years they compound just like returns; even a 0.5–1.0% annual drag can meaningfully reduce your ultimate wealth. The encouraging part is that the rest of the holdings don’t add ongoing product fees, so the total isn’t as heavy as it could be for a complex strategy. If you want to improve long‑term efficiency, you can compare the role of the leveraged ETF to cheaper alternatives and decide whether the extra cost and complexity truly match your objectives and timeframe.
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.
Risk‑return analysis using the Efficient Frontier—a tool that finds the best trade‑off between risk (volatility) and expected return for a given set of assets—suggests there are more “efficient” combinations using the same building blocks. In this context, “efficient” just means getting higher expected return for the same risk, or lower risk for the same return, by adjusting the weights, not changing the ingredients. The analysis shows that an alternative mix could deliver meaningfully better expected returns at similar or even lower risk levels than the current setup. That’s a positive sign: you’re operating in a high‑potential asset universe, and with some reweighting, the same holdings could be arranged into a more mathematically balanced configuration.
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