A high return US focused stock portfolio with strong growth tilt and modest international diversification
as of Mar 11, 2026Risk 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
Balanced Investors
This setup suits someone comfortable with above‑average risk who’s aiming for strong long‑term growth rather than current income. A typical fit would be a patient investor with at least a 10‑ to 20‑year horizon, willing to tolerate sizeable temporary losses in exchange for higher return potential. They likely believe in broad market exposure, accept that big technology and blue‑chip companies will heavily influence outcomes, and are okay with a strong home bias. Regular contributions, a plan to stay invested through downturns, and little need to sell during market stress are key traits. This style works best for people who value simplicity, low costs, and systematic investing over frequent trading or complex strategies.
Positions
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FIDELITY ZERO TOTAL MARKET INDEX FUND
FZROX - US31635T7081 70.00% -
Invesco NASDAQ 100 ETF
QQQM - US46138G6492 20.00% -
Avantis® International Small Cap Value ETF
AVDV - US0250728021 10.00%
The mix here is simple and powerful: roughly seventy percent in a broad domestic fund, twenty percent in a growth‑heavy fund tracking a major index of large companies, and ten percent in an international small‑cap value fund. That structure leans heavily on one main asset type while adding a couple of targeted tilts on top. Compared with a typical balanced benchmark that mixes stocks and safer assets, this is far more growth‑oriented and fully invested in the market. Keeping the core position large is a solid foundation. To smooth the ride further, someone might consider whether adding even a small allocation to defensive assets fits their overall comfort with volatility and drawdowns.
True holdings
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NVIDIA Corporation 1.78%Part of fund(s):
- Invesco NASDAQ 100 ETF
-
Apple Inc 1.57%Part of fund(s):
- Invesco NASDAQ 100 ETF
-
Microsoft Corporation 1.19%Part of fund(s):
- Invesco NASDAQ 100 ETF
-
Amazon.com Inc 0.86%Part of fund(s):
- Invesco NASDAQ 100 ETF
-
Meta Platforms Inc. 0.77%Part of fund(s):
- Invesco NASDAQ 100 ETF
-
Tesla Inc 0.73%Part of fund(s):
- Invesco NASDAQ 100 ETF
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Alphabet Inc Class A 0.72%Part of fund(s):
- Invesco NASDAQ 100 ETF
-
Alphabet Inc Class C 0.67%Part of fund(s):
- Invesco NASDAQ 100 ETF
-
Walmart Inc. Common Stock 0.66%Part of fund(s):
- Invesco NASDAQ 100 ETF
-
Broadcom Inc 0.63%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Top 10 total 9.59%
The look‑through data shows meaningful exposure to the biggest global names: companies tied to graphics chips, smartphones, software, online retail, social media, and big retail feature among the top underlying positions. However, only the top ten holdings of each fund are used, so coverage is about ten percent of the portfolio and roughly a third of the index funds themselves. That means overlap between funds is probably understated and true concentration in mega‑cap leaders is likely higher than visible. This pattern matches today’s market‑cap benchmarks, which are also dominated by these firms. Anyone using this structure should consciously accept that a big share of long‑term outcomes will track how these leaders perform.
Growth
The historic numbers are strong: a compound annual growth rate (CAGR) near 15% means an imagined 10,000 dollars could have grown to roughly 40,000 over a decade. CAGR is like average speed on a long road trip, smoothing out ups and downs. A max drawdown around minus 27 percent shows that at worst, a 100,000 dollar stake might have temporarily dropped to about 73,000. That’s actually quite reasonable for an all‑stock setup and lines up well with broad market history. It’s important to remember, though, that past results only show how this mix handled previous environments. Future returns and declines can be very different, especially after unusually strong periods.
Projection
The Monte Carlo analysis uses historical return and volatility patterns, then simulates 1,000 alternate futures to show a range of outcomes. It’s like replaying market history with the order of good and bad years shuffled. Here, the median outcome suggests that a hypothetical 10,000 dollars could grow to roughly 76,000 over the chosen horizon, with pessimistic scenarios still more than doubling the initial amount. An average simulated annual return above 18 percent is very high and likely reflects a strong recent run in growth assets. Simulations cannot foresee new regimes, regulations, or structural shocks, so they tend to be overly optimistic after long bull markets. Treat these projections as rough scenarios, not promises.
Asset classes
- Stocks 100%
- Cash 0%
- Other 0%
All assets in this setup are stocks, with zero allocated to cash, bonds, or other categories. That’s much more aggressive than a typical balanced benchmark, which would usually pair stocks with some steadier assets to cushion big declines. A 100 percent stock portfolio can be perfectly reasonable for long‑term wealth building, but it demands the emotional ability to sit through deep market drops without panicking. This allocation is well‑balanced within the equity universe and aligns closely with broad stock market standards. Still, anyone nearing short‑term goals might think about whether adding even a small slice of lower‑volatility assets could help protect near‑term spending needs without completely sacrificing growth potential.
Sectors
- Technology 34%
- Financials 11%
- Telecommunications 10%
- Industrials 9%
- Health Care 8%
- Consumer Discretionary 7%
- Consumer Staples 5%
- Consumer Discretionary 4%
- Basic Materials 4%
- Energy 3%
- Utilities 2%
- Real Estate 2%
Sector exposure skews clearly toward technology, with about a third of the portfolio there, followed by solid allocations to financials, communication services, industrials, healthcare, and consumer‑related businesses. This sector composition matches benchmark data quite closely, which is a strong indicator of diversification across the economy. The extra growth‑oriented fund likely amplifies exposure to innovative and fast‑growing businesses that can be more sensitive to interest rates and market sentiment. Tech‑heavy mixes often shine in low‑rate, growth‑friendly environments but can swing more when policy tightens or sentiment turns. Keeping this tilt is fine if it’s intentional, but it helps to be mentally ready for larger swings than a more defensive, evenly spread sector allocation might deliver.
Regions
- North America 90%
- Europe Developed 4%
- Japan 3%
- Australasia 1%
- Africa/Middle East 1%
- Asia Developed 0%
- Asia Emerging 0%
- Latin America 0%
- Europe Emerging 0%
Geographic exposure is dominated by North America at about ninety percent, with small satellite allocations to developed Europe, Japan, and a sliver of other regions. Compared with common global benchmarks that might hold closer to sixty percent in North America, this is a home‑biased structure centered on one major market. That bias has helped over the last decade as that market outperformed many peers. It also means that future outcomes will be tightly tied to one region’s economic, political, and currency path. This allocation is still moderately diversified internationally, but anyone wanting more global balance could nudge up non‑domestic exposure over time rather than making large shifts all at once.
Market capitalization
- Mega-cap 39%
- Large-cap 30%
- Mid-cap 22%
- Small-cap 8%
- Micro-cap 2%
The size breakdown tilts toward mega and big companies, together making up nearly seventy percent of assets, with medium‑sized and smaller firms filling out the rest. This mirrors broad market‑cap indices, where the largest companies naturally dominate. The added slice of international small‑cap value nudges the portfolio slightly toward smaller and potentially more mispriced businesses abroad, which is a thoughtful complement. Large companies generally offer more stability and better liquidity, while smaller firms can add return potential but swing more in the short term. This mix is well‑balanced and aligns closely with global standards. Keeping that modest small‑company tilt while regularly rebalancing back to target can help maintain the intended risk profile.
Factors
Factor exposure shows strong tilts to size, momentum, and low volatility. Factors are like underlying traits—such as cheapness, recent performance, or stability—that research has linked to long‑term returns. A high size score here suggests meaningful exposure to smaller firms, likely driven by the international small‑cap value sleeve. Strong momentum exposure means many holdings have performed well recently, which often helps in trending markets but can hurt during sudden reversals. A moderate low‑volatility tilt adds a stabilizing influence, potentially softening extreme swings. Coverage for value and low‑volatility signals is partial, so readings aren’t perfect. Since factor data is incomplete and based on history, it should be viewed as a rough guide to behavior, not a precise forecast tool.
Risk contribution
-
FIDELITY ZERO TOTAL MARKET INDEX FUND
Weight: 70.00% 68.3% -
Invesco NASDAQ 100 ETF
Weight: 20.00% 24.2% -
Avantis® International Small Cap Value ETF
Weight: 10.00% 7.5% - Top 3 risk contribution 100.0%
Risk contribution shows how much each holding adds to the portfolio’s total ups and downs, which can differ from its weight. Here, the core broad fund is about seventy percent of assets and contributes roughly the same share of risk, making it the main driver of performance. The growth‑heavy fund is only twenty percent by weight but contributes about a quarter of total risk, highlighting its higher volatility. The international small‑cap value sleeve adds less risk than its size would suggest, acting as a mild diversifier. This pattern is quite healthy overall. To keep risk aligned with intent, periodically checking whether any single position’s risk share drifts too high and trimming back slightly can be useful.
Dividends
- Avantis® International Small Cap Value ETF 2.80%
- FIDELITY ZERO TOTAL MARKET INDEX FUND 1.00%
- Invesco NASDAQ 100 ETF 0.50%
- Weighted yield (per year) 1.08%
Overall dividend yield sits just above 1 percent, with the international small‑cap value fund offering the highest payout and the growth‑heavy fund the lowest. Yield is the yearly cash distribution relative to price, like interest from a savings account but not guaranteed. This relatively low yield profile signals a clear focus on growth rather than income, which fits a long horizon but is less ideal for those needing steady cash. The yield contribution from the value fund is a nice bonus and can help slightly during flat markets. For someone prioritizing long‑term wealth building over near‑term spending, reinvesting dividends automatically can quietly accelerate compounding without needing extra decisions.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Invesco NASDAQ 100 ETF 0.15%
- Weighted costs total (per year) 0.07%
Costs are impressively low, with a total expense ratio (TER) of about 0.07 percent across the mix. TER is the yearly fee charged by funds as a percentage of assets, similar to a small service charge taken in the background. Keeping this number low is one of the most reliable ways to support better long‑term performance, because every basis point saved stays invested and compounds. This cost level is well below typical active strategies and aligns with best practices for index‑oriented investing. Continued attention to fees—avoiding high‑cost “add‑ons” that duplicate existing exposures—can help ensure the portfolio keeps more of whatever returns the market delivers over the years.
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.
The Efficient Frontier is a curve showing the best possible trade‑offs between risk and return using only the current ingredients. “Efficient” here means the highest expected return for a given volatility, not necessarily the widest diversification. Analysis suggests that, with the same risk level, a slightly different mix of these three holdings could nudge expected returns up toward about 18.6 percent. The fully optimal point on the curve, given these assets, would also sit near that return with similar or slightly higher volatility. That doesn’t mean a change is required—transaction costs, taxes, and personal comfort all matter. But it does show there’s room within this simple lineup to fine‑tune weights if desired.
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