A growth tilted portfolio with strong mega cap focus and modest diversification beyond the US core

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 portfolio fits an investor comfortable with meaningful equity risk who still values some diversification and income. It suits someone focused on long-term wealth building, willing to ride through sizable drawdowns in pursuit of higher growth, but not interested in an all-or-nothing speculative approach. The ideal horizon is at least 7–10 years, with flexibility to leave investments untouched during rough markets. This kind of investor may appreciate mega-cap leaders and familiar brands, likes the idea of dividends as a bonus, and is open to periodic fine-tuning rather than constant trading, balancing ambition with a reasonably disciplined structure.

Positions

  • Alphabet Inc Class C
    GOOG - US02079K1079
    27.95%
  • Adams Diversified Equity Closed Fund
    ADX - US0062121043
    10.81%
  • Apple Inc
    AAPL - US0378331005
    10.14%
  • First Trust RBA American Industrial RenaissanceTM ETF
    AIRR - US33738R7044
    5.53%
  • Microsoft Corporation
    MSFT - US5949181045
    4.91%
  • iShares Core Dividend Growth ETF
    DGRO - US46434V6213
    4.81%
  • AstraZeneca PLC ADR
    AZN - US0463531089
    4.40%
  • WisdomTree Trust - WisdomTree U.S. Quality Growth Fund
    QGRW - US97717Y4778
    3.92%
  • SPDR S&P 500 ETF Trust
    SPY - US78462F1030
    3.58%
  • Vanguard Dividend Appreciation Index Fund ETF Shares
    VIG - US9219088443
    3.50%
  • Bank of America Corp
    BAC - US0605051046
    3.28%
  • Tesla Inc
    TSLA - US88160R1014
    3.16%
  • Vanguard S&P 500 ETF
    VOO - US9229083632
    2.39%
  • Virtus AllianzGI Artificial Intell & Tech Opps
    AIO - US92838Y1001
    2.34%
  • Chevron Corp
    CVX - US1667641005
    2.25%
  • Tekla Healthcare Opportunities
    THQ - US8791051043
    1.64%
  • Exxon Mobil Corp
    XOM - US30231G1022
    1.43%
  • John Hancock Financial Opportunities Fund
    BTO - US4097352060
    1.31%
  • Cohen and Steers Infrastructure Closed Fund
    UTF - US19248A1097
    1.11%
  • First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund
    GRID - US33737A1088
    0.54%
  • iShares International Select Dividend ETF
    IDV - US4642884484
    0.40%
  • MicroStrategy Incorporated
    MSTR - US5949724083
    0.33%
  • First Trust NASDAQ Cybersecurity ETF
    CIBR - US33734X8469
    0.27%

This portfolio is heavily tilted to a handful of large growth names, with Alphabet alone near a third of the total, followed by Apple, Microsoft, and Tesla plus broad US equity funds and some specialized funds. For a “balanced” risk profile, that is a pretty equity-heavy and concentrated structure versus a typical benchmark that would hold more bonds and smaller single-stock weights. Concentration makes the ride more volatile when those big names swing. Someone wanting smoother behavior could consider shrinking the largest single positions and letting broad funds carry more of the load, so overall growth potential stays high but no single company dominates outcomes.

Growth Info

Historically this mix has done extremely well: a 28.98% compound annual growth rate (CAGR) means $10,000 would have grown to roughly $35,000 in five years if that rate persisted. That easily beats typical broad market benchmarks, but it came with a -24% max drawdown, which is a fairly sharp drop. Also, 90% of returns came from just 29 days, showing how “lumpy” gains can be. Past performance simply shows how this specific mix handled past conditions; it does not guarantee a repeat. If that level of up-and-down movement feels stressful, gradually dialing back concentration and adding some stability assets could help.

Projection Info

The Monte Carlo simulation, which runs thousands of “what if” paths using historical-like return patterns, shows a wide range of possible futures. The median case of about 2,034% suggests $10,000 hypothetically growing to around $213,000 over the full horizon used, while the 5th percentile at 228% is closer to $32,800. The annualized simulated return around 29% mirrors historical numbers, but that is based on the recent data environment and may be optimistic. Monte Carlo models can’t foresee regime shifts or new crises. Someone relying on these projections might treat them as a rough scenario map and still stress-test their plan for weaker future returns.

Asset classes Info

  • Stocks
    98%
  • Not Classified
    1%
  • Bonds
    1%
  • Other
    0%
  • No data
    0%

From an asset class standpoint, this is basically an all‑equity portfolio: about 98% stocks and stock-like funds, 1% bonds, and a tiny unclassified slice. Compared with a typical “balanced” benchmark that might be closer to 60% stocks and 40% bonds, this is much more growth oriented. High equity exposure helps long-term growth but can mean big drawdowns in market shocks. The moderate diversification score reflects this tilt. If the goal is truly balanced risk rather than maximum growth, adding a more meaningful bond or cash-like allocation could make returns less bumpy while still keeping substantial equity exposure for long-term compounding.

Sectors Info

  • Telecommunications
    31%
  • Technology
    26%
  • Financials
    10%
  • Health Care
    9%
  • Industrials
    8%
  • Energy
    5%
  • Consumer Discretionary
    5%
  • Consumer Staples
    2%
  • Utilities
    2%
  • Consumer Discretionary
    1%
  • Real Estate
    1%
  • Basic Materials
    1%

Sector-wise, there is a big tilt to communication services and technology, together over half the portfolio, with solid weights in financials, healthcare, and industrials, plus smaller slices in energy and defensives. This tech-and-communication-heavy stance has been powerful during periods when growth stocks shine, helping explain strong historic returns. But such a tilt can be hit harder when interest rates rise or sentiment turns against growth. The presence of healthcare, financials, and dividend strategies is a nice counterbalance and aligns well with diversified benchmarks. To smooth sector risk further, someone could slowly boost defensive and income-oriented areas without abandoning the growth engine.

Regions Info

  • North America
    94%
  • Europe Developed
    5%
  • Latin America
    0%
  • Asia Developed
    0%
  • Asia Emerging
    0%
  • Australasia
    0%
  • Japan
    0%
  • Africa/Middle East
    0%
  • Europe Emerging
    0%

Geographically, the portfolio is overwhelmingly North America at about 94%, with only a small developed Europe slice and almost no exposure elsewhere. This home bias is common for US investors and has been rewarded recently, as US markets outperformed many others. However, global benchmarks spread more across Europe, Asia, and emerging markets to avoid over-relying on one region’s economy, currency, or politics. Having so much tied to one country’s market can hurt if local conditions sour. A modest, gradual increase in international holdings could broaden opportunity and reduce single-region risk while keeping the US core firmly in place.

Market capitalization Info

  • Mega-cap
    71%
  • Large-cap
    14%
  • Mid-cap
    7%
  • Small-cap
    5%
  • Micro-cap
    1%

By market cap, this portfolio is very mega-cap heavy: around 71% in the largest global companies, then a smaller share in big and mid caps and only a small slice in small and micro stocks. This mirrors many broad US benchmarks but is even more concentrated due to big single-stock positions. Large caps offer stability, transparency, and strong liquidity, which is a plus. However, smaller companies can sometimes boost long-term returns and diversification because they behave differently over cycles. If desired, gently increasing exposure to diversified small and mid-cap funds could add another growth engine without radically changing the risk profile.

Redundant positions Info

  • iShares Core Dividend Growth ETF
    Vanguard Dividend Appreciation Index Fund ETF Shares
    High correlation
  • SPDR S&P 500 ETF Trust
    Vanguard S&P 500 ETF
    High correlation

Correlation describes how investments move relative to each other: a correlation of 1 means they move in lockstep, 0 means they move independently, and -1 means they move opposite. Here, the dividend ETFs are highly correlated with each other, and the two S&P 500 ETFs are basically duplicates from a risk perspective. Highly correlated positions limit diversification benefits, especially in downturns when everything drops together. On the positive side, this portfolio already uses broad funds that track major markets, which is efficient. To clean things up, one could consolidate overlapping funds, keeping the preferred vehicle and freeing capital for genuinely different exposures.

Dividends Info

  • Apple Inc 0.40%
  • Adams Diversified Equity Closed Fund 5.90%
  • Virtus AllianzGI Artificial Intell & Tech Opps 12.60%
  • First Trust RBA American Industrial RenaissanceTM ETF 0.20%
  • AstraZeneca PLC ADR 0.80%
  • Bank of America Corp 2.10%
  • John Hancock Financial Opportunities Fund 6.80%
  • First Trust NASDAQ Cybersecurity ETF 0.50%
  • Chevron Corp 2.80%
  • iShares Core Dividend Growth ETF 2.00%
  • Alphabet Inc Class C 0.30%
  • First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund 0.90%
  • iShares International Select Dividend ETF 4.50%
  • Microsoft Corporation 0.80%
  • WisdomTree Trust - WisdomTree U.S. Quality Growth Fund 0.10%
  • SPDR S&P 500 ETF Trust 1.10%
  • Tekla Healthcare Opportunities 11.30%
  • Cohen and Steers Infrastructure Closed Fund 6.30%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 1.60%
  • Vanguard S&P 500 ETF 1.10%
  • Exxon Mobil Corp 2.00%
  • Weighted yield (per year) 1.89%

The total dividend yield of about 1.89% combines low or no-yield growth names with higher-yield closed-end funds and dividend ETFs. That’s a reasonable income level for a growth-tilted portfolio, and the inclusion of dividend growth ETFs is particularly aligned with best practices for balancing growth and income. Still, a chunk of the yield comes from higher-cost, higher-yield funds, which can be more volatile and sometimes use leverage or distributions that aren’t pure income. For someone focused mainly on long-term growth, keeping dividends as a secondary benefit and ensuring payouts don’t drive all decisions can avoid unnecessary yield chasing.

Ongoing product costs Info

  • Adams Diversified Equity Closed Fund 0.59%
  • Virtus AllianzGI Artificial Intell & Tech Opps 1.41%
  • First Trust RBA American Industrial RenaissanceTM ETF 0.70%
  • John Hancock Financial Opportunities Fund 2.01%
  • First Trust NASDAQ Cybersecurity ETF 0.59%
  • iShares Core Dividend Growth ETF 0.08%
  • First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund 0.57%
  • iShares International Select Dividend ETF 0.51%
  • WisdomTree Trust - WisdomTree U.S. Quality Growth Fund 0.28%
  • SPDR S&P 500 ETF Trust 0.10%
  • Tekla Healthcare Opportunities 1.47%
  • Cohen and Steers Infrastructure Closed Fund 2.29%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 0.06%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.24%

The blended total expense ratio around 0.24% is impressively low, thanks to significant allocations to ultra-low-cost index ETFs. This is a real strength: costs come off returns every year, so minimizing them is like getting a small, permanent performance boost. Some specialized closed-end funds and higher-cost active products charge over 1–2%, which is a noticeable drag if they don’t consistently add value. One simple tweak could be trimming smaller, expensive vehicles that overlap with cheaper index funds, while keeping any that clearly provide unique exposure. Staying near or below this current cost level supports better long-term compounding.

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.

On a risk‑return basis, this portfolio looks positioned above average, but not yet on its best possible “Efficient Frontier.” The Efficient Frontier is the set of portfolios that offer the highest expected return for each level of risk, using just the existing ingredients but mixing them differently. Here, overlapping S&P 500 and dividend funds plus very large single-stock weights likely push risk higher than needed for the same expected return. Before optimizing, it helps to simplify: reduce duplicate highly correlated funds, decide how large any one company should be, and then explore mixes that keep the growth tilt while smoothing volatility.

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