Growth focused equity portfolio with strong US tilt and surprisingly moderate overall risk profile

Report created on Mar 19, 2026

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.

Positions

The portfolio is very straightforward: roughly 99% in stocks via three broad ETFs and about 1% in cash. Around 60% tracks a broad US large cap index, 20% leans into a concentrated large growth index, and 20% adds global ex‑US diversification. This kind of “core plus satellite” setup is common: one broad core fund, one higher-growth satellite, and one global diversifier. That simplicity is a strength because it’s easy to understand, monitor, and rebalance. The main implication is that returns will be driven almost entirely by global stock markets, with limited downside cushioning from bonds or other defensive assets during big equity selloffs.

Growth Info

The portfolio’s historical compound annual growth rate (CAGR) of 14.09% is strong for a mostly passive equity mix, indicating robust long‑term growth potential. CAGR is the average yearly growth rate, like the steady speed a car would need to cover a long trip. A max drawdown of about ‑27% shows that while the portfolio participates in downturns, it hasn’t experienced extreme equity crashes historically. That’s quite reasonable for an equity-heavy allocation. The fact that 90% of returns came from just 22 days highlights how a handful of strong market days drive long‑term results, reinforcing why staying invested and avoiding panic selling during volatility is so important.

Projection Info

The Monte Carlo analysis uses 1,000 simulated paths based on historical return patterns to estimate a range of potential future outcomes. Think of it as rerunning history with the same dice but in different sequences. The median (50th percentile) outcome of about 487.5% implies roughly a 4.9x growth over the period modeled, while the 5th percentile at 80.3% shows that, in harsher scenarios, capital preservation is not guaranteed. An annualized simulated return around 14.8% is attractive but still relies on the past resembling the future. These scenarios are helpful guardrails, not promises, so it’s wise to plan for a wide range of outcomes rather than a single forecast.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Asset class breakdown is extremely equity-heavy: about 99% in stocks and 1% in cash, with no material exposure to bonds or alternatives. For context, many “balanced” allocations for general investors include 20–40% in bonds to tamp down volatility and soften drawdowns. Being nearly all in stocks is aligned with a growth-first mindset and works best for long horizons and strong risk tolerance. The flip side is that portfolio values can swing widely over shorter periods. If more stability or income is a goal, gradually adding other asset classes could help smooth the ride without needing to change the overall long-term growth orientation.

Sectors Info

  • Technology
    33%
  • Financials
    12%
  • Telecommunications
    11%
  • Consumer Discretionary
    10%
  • Industrials
    9%
  • Health Care
    8%
  • Consumer Staples
    6%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is led by technology at around one-third of the portfolio, with meaningful allocations to financials, communication services, consumer cyclicals, industrials, and healthcare. This is broadly similar to modern large-cap equity benchmarks, though the extra NASDAQ 100 tilt nudges the mix more toward tech and communication services growth names. Tech- and growth-heavy portfolios often shine when interest rates are stable or falling and when innovation-driven earnings are rewarded, but they can be more volatile when rates rise or markets rotate toward more defensive, slower-growth areas. The good news is that the spread across at least ten sectors still supports decent economic diversification.

Regions Info

  • North America
    81%
  • Europe Developed
    8%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, about 81% of exposure is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and small slices in emerging markets and smaller regions. This is more US‑tilted than a typical global market portfolio, which usually holds closer to 60% in US-listed equities. Overweighting the US has been a tailwind over the past decade thanks to strong US corporate performance and tech leadership. The tradeoff is higher dependence on one economic and policy environment. The 20% in international stocks does help, but anyone seeking truly global balance might consider gradually lifting the non‑US share over time.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    34%
  • Mid-cap
    16%
  • Small-cap
    1%

Market cap exposure is dominated by mega and large caps: around 48% in mega, 34% in big, 16% in mid, and only about 1% in small companies. This is very similar to major cap‑weighted indexes and is one reason the portfolio has behaved relatively smoothly for an equity-heavy mix. Large companies tend to be more stable and diversified, though they can be slower to grow than smaller firms over very long periods. Having only a sliver in small caps means less exposure to that potential higher-growth, higher‑volatility segment. This alignment with broad market cap structure is a strong indicator of mainstream, benchmark-like behavior.

True holdings Info

  • NVIDIA Corporation
    6.14%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Apple Inc
    5.46%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Microsoft Corporation
    4.15%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Amazon.com Inc
    2.97%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Alphabet Inc Class A
    2.55%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Meta Platforms Inc.
    2.16%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Broadcom Inc
    2.15%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Alphabet Inc Class C
    2.13%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Tesla Inc
    1.93%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Walmart Inc. Common Stock
    1.25%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Top 10 total 30.87%

Looking through the ETFs, the biggest underlying positions are the usual mega‑cap growth leaders: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Broadcom, Tesla, and Walmart. Several of these names show up multiple times across the index funds, especially via both the S&P 500 and NASDAQ 100 exposure. That creates hidden concentration: the portfolio might feel diversified at the fund level, but a sizable slice rides on a small group of very large companies. This concentration has boosted returns recently but can also increase sensitivity to sentiment around those specific firms if their leadership role in markets ever fades.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 20%
Size
Exposure to smaller companies
No data
Data availability: 0%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
No data
Data availability: 0%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 100%

Factor exposure shows notable tilts to low volatility (66%), momentum (54.3%), and a modest value lean (25%), with average signal coverage around 36.7%. Factors are like underlying “traits” of stocks—momentum favors recent winners, low volatility favors steadier names, and value tilts toward cheaper valuations. A strong low‑volatility tilt suggests the portfolio might be a bit calmer than a pure market-weighted equity basket in rough patches, while the momentum tilt has likely helped in recent years as big growth winners surged. The partial value exposure can provide some balance if markets rotate toward cheaper stocks. Still, limited coverage means these readings are directional, not precise.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 60.00%
    58.8%
  • Invesco NASDAQ 100 ETF
    Weight: 20.00%
    25.3%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 20.00%
    16.0%

Risk contribution shows that the S&P 500 ETF, at 60% weight, contributes about 58.8% of total portfolio risk, almost exactly in line with its size. The NASDAQ 100 ETF, at 20% weight, contributes over 25% of the risk, giving it a risk‑to‑weight ratio of 1.26; this highlights its higher volatility and growth tilt. Meanwhile, the international fund carries 20% weight but only about 16% of risk. This pattern is normal: concentrated growth indexes usually punch above their weight in risk terms. If future volatility from the NASDAQ component feels uncomfortable, even small allocation tweaks could meaningfully dial down overall risk without changing the broad structure.

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.

Based on the data, the portfolio lands in a “Profile_Balanced” risk bucket with a risk score of 4/7 and a diversification score of 3/5, yet actual holdings are almost entirely in stocks. This suggests the current mix offers relatively efficient risk for a high‑equity allocation, likely plotting near—but not perfectly on—the efficient frontier. The efficient frontier represents the best possible return for each risk level using only the current building blocks. Because all three funds are broad, low-cost, and complementary, reweighting them slightly could shift the portfolio closer to an optimal risk/return point, particularly by fine‑tuning the higher‑risk NASDAQ slice versus the steadier broad US and international exposures.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 3.10%
  • Weighted yield (per year) 1.44%

The blended dividend yield of about 1.44% is modest, reflecting the focus on large, growth-oriented companies and tech-heavy indexes. Dividends are the cash payouts companies make to shareholders, and over long periods they can be a meaningful part of total return, especially in slower growth eras. Here, returns are expected to come more from price appreciation than from income. That’s well aligned with a growth objective and tax‑efficient for many investors, since fewer dividends can mean fewer taxable cash flows each year. Anyone who later prioritizes income could tilt more toward higher-yielding equity or bond funds as their goals evolve.

Ongoing product costs Info

  • 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) 0.06%

Total annual cost (TER) of about 0.06% across the three ETFs is impressively low. The core S&P 500 ETF at 0.03% and international ETF at 0.05% are especially cost-efficient, and even the more specialized NASDAQ 100 fund stays cheap at 0.15%. Costs are one of the few things investors can reliably control, and over decades, even a small fee difference compounds significantly. Being in the bottom tier of expense ratios means more of the portfolio’s gross return stays in your pocket each year. This cost profile is a major positive and supports strong long‑term compounding without needing complex adjustments.

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