A growth focused stock heavy portfolio with strong tech tilt and solid but improvable diversification

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

Balanced Investors

This setup fits someone comfortable with meaningful stock market swings who still wants a bit of stabilization from dividends and income. The ideal profile is a growth‑oriented investor with a medium‑to‑long horizon, likely 10 years or more, who can ride through 20–30% drawdowns without bailing out. Goals might include building wealth aggressively for retirement or long‑term financial independence, rather than generating maximum current income. Risk tolerance is moderate‑to‑high, but not extreme, given the presence of income‑focused holdings that slightly soften volatility. This kind of person accepts that returns may be lumpy year to year, while focusing on strong compounding over decades instead of short‑term market noise.

Positions

  • Vanguard Total World Stock Index Fund ETF Shares
    VT - US9220427424
    22.37%
  • Vanguard Information Technology Index Fund ETF Shares
    VGT - US92204A7028
    21.33%
  • Vanguard S&P 500 ETF
    VOO - US9229083632
    18.91%
  • Schwab U.S. Dividend Equity ETF
    SCHD - US8085247976
    11.94%
  • JPMorgan Equity Premium Income ETF
    JEPI - US46641Q3323
    9.21%
  • Schwab U.S. Large-Cap Growth ETF
    SCHG - US8085243009
    8.13%
  • Invesco NASDAQ 100 ETF
    QQQM - US46138G6492
    8.12%

This portfolio is almost entirely in stock ETFs, with several broad funds plus multiple growth and tech-tilted funds layered on top. For a “balanced” risk profile, this is actually quite growth oriented, because there’s essentially no stabilizing bond or cash sleeve. That matters because in sharp market drops, a 100% stock mix can swing more than a classic balanced setup. Still, the mix of broad global, broad US, dividend, and income strategies gives a nice internal blend. To better match a balanced label, it could help to introduce a modest allocation to more defensive assets or dial back overlapping growth exposure while keeping the broad, core positions central.

Growth Info

The historical compound annual growth rate (CAGR) of about 15% is very strong; CAGR is like your average “speed” per year over the full trip, smoothing out bumps. Compared with typical blended benchmarks, that level of return is clearly equity-growth style and above long‑term norms. The max drawdown of roughly –26% shows that while the downside has been meaningful, it hasn’t been extreme for an all‑equity, tech‑tilted mix. Only 23 days creating 90% of returns highlights how a handful of big days drive long‑term results. That’s why staying fully invested, rather than trying to time in and out, usually works better over long horizons.

Projection Info

The Monte Carlo results, using 1,000 simulations, show a wide range of potential outcomes, with a median ending value above 5x and even the 5th percentile still positive. Monte Carlo is basically a “what if” machine: it takes historical return and volatility patterns, scrambles them into many random future paths, and shows a range of possible results. The average simulated annual return around 16% is very strong, but it assumes that future patterns rhyme with the past, which is never guaranteed. This projection supports the idea that the portfolio is tilted toward growth, but it’s wise to treat these numbers as rough guardrails, not promises, and to plan for weaker decades as well.

Asset classes Info

  • Stocks
    98%
  • No data
    1%
  • Cash
    0%
  • Other
    0%

With about 98% in stocks and virtually nothing in bonds, cash, or alternatives, this portfolio is highly concentrated in a single asset class. Asset classes are broad buckets like stocks, bonds, and real estate that respond differently to economic conditions; mixing them usually smooths the ride. Being almost all in stocks is great for long‑term growth potential but can be stressful during recessions or rate shocks, when stocks and especially growth names can drop together. For someone wanting a truly “balanced” profile, gradually carving out even a modest slice into more defensive assets could lower volatility, while still keeping growth as the main engine and preserving the current equity‑heavy character.

Sectors Info

  • Technology
    44%
  • Financials
    9%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Telecommunications
    8%
  • Industrials
    7%
  • Consumer Staples
    6%
  • Energy
    4%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    1%

The sector split is clearly tech led, with technology around the mid‑40s percentage range and then diversified exposure across financials, consumer areas, healthcare, communications, and industrials. This tech tilt explains both the strong past returns and the portfolio’s sensitivity to interest rates and innovation cycles; tech‑heavy mixes can shine in growth environments but wobble more when rates spike or sentiment turns against high‑growth names. On the positive side, the presence of dividend and income‑oriented funds adds some exposure to more defensive sectors. Keeping the sector exposure closer to broader market weights over time, while still allowing a mild tech tilt, could help maintain upside without over-relying on one theme.

Regions Info

  • North America
    91%
  • Europe Developed
    4%
  • Asia Emerging
    1%
  • Japan
    1%
  • Asia Developed
    1%
  • Australasia
    0%
  • Africa/Middle East
    0%
  • Latin America
    0%
  • Europe Emerging
    0%

Geographically, the portfolio is about 90%+ in North America, especially the US, with only small slices in Europe and Asia. That’s very similar to many US investors and has been rewarded over the last decade, as US large‑cap growth led global markets. However, heavy home bias means results are tied closely to one economy, one currency, and one policy environment. If US markets underperform for an extended period, the portfolio may lag more globally diversified mixes. The existing global ETF is a solid anchor, and gradually increasing non‑US exposure through broad global holdings can gently reduce home-country concentration while keeping the core US focus that has worked well historically.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    35%
  • Mid-cap
    18%
  • Small-cap
    4%
  • Micro-cap
    1%

The market‑cap breakdown is dominated by mega and big companies, with smaller though meaningful allocations to mid, small, and even micro caps. Market capitalization reflects company size; large caps tend to be more stable and widely followed, while small caps can be more volatile but sometimes offer higher growth potential. This tilt toward mega and big caps lines up with major benchmarks and is generally a sign of stability and liquidity. The presence of smaller companies adds some growth spice, but not in an extreme way. Maintaining this large‑cap core while selectively keeping some mid and small exposure helps balance resilience with upside, especially over a multi‑decade horizon.

Redundant positions Info

  • Vanguard Information Technology Index Fund ETF Shares
    Invesco NASDAQ 100 ETF
    Schwab U.S. Large-Cap Growth ETF
    High correlation
  • Vanguard S&P 500 ETF
    Vanguard Total World Stock Index Fund ETF Shares
    High correlation

The portfolio shows clear groups of highly correlated funds: the tech, Nasdaq, and growth ETFs move closely together, and the S&P 500 and total‑world fund also overlap heavily. Correlation measures how similarly investments move; when it’s high, they tend to rise and fall together, reducing diversification benefits in downturns. The good news is that the broad core funds provide wide coverage of the market. However, stacking multiple funds that behave almost the same can create redundancy rather than true diversification. Simplifying by consolidating overlapping positions, while keeping the overall growth tilt, can help streamline the structure, make it easier to manage, and still maintain similar risk‑return characteristics.

Dividends Info

  • JPMorgan Equity Premium Income ETF 8.00%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.30%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total World Stock Index Fund ETF Shares 1.80%
  • Weighted yield (per year) 1.90%

The overall yield of around 1.9% is modest, which fits a growth‑oriented stock portfolio, but there are two nice income anchors: the dividend equity ETF and the premium income ETF. Dividend yield is the cash payout as a percentage of price; it can help support returns in sideways markets and provide psychological comfort during volatility. The premium income fund, with its high yield, likely uses options strategies that trade some upside for more current income. This blend means the portfolio isn’t solely reliant on price appreciation. If income becomes a bigger goal later, gradually increasing the share of steady dividend payers could raise cash flow without abandoning the current long‑term growth focus.

Ongoing product costs Info

  • JPMorgan Equity Premium Income ETF 0.35%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.10%

The total expense ratio around 0.10% is impressively low, especially given there’s an actively managed income ETF in the mix. Costs matter because they come off returns every single year; saving even a fraction of a percent compounds meaningfully over decades. This structure aligns very well with best practices: broad, low‑cost index funds doing most of the heavy lifting, with only a modest slice in a higher‑fee strategy. That’s a real strength of this portfolio. The main area to watch is not fees, but redundancy: if overlapping funds are eventually consolidated, it might be possible to maintain or even slightly lower the already excellent cost profile while simplifying the lineup.

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 likely sits above a simple 60/40 benchmark in both expected return and volatility. The Efficient Frontier is a curve that shows the best possible risk‑return trade‑offs you can get just by changing weights among your existing holdings. Here, the multiple overlapping growth and tech funds suggest it’s possible to get similar expected returns with slightly lower risk by trimming redundancy and relying more on broad, diversified cores. It’s important to remember that “efficient” means best ratio of risk to return, not automatically safest or most diversified. Any optimization would stay within these same ETFs, just reshaping how much each one contributes to the overall mix.

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