A concentrated us large cap growth portfolio with strong historic returns and notable tech 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

Growth Investors

This portfolio fits someone who is comfortable with meaningful ups and downs in pursuit of strong long‑term growth. It suits an investor with a multi‑decade horizon who can ride out sharp drops without feeling forced to sell at the worst time. The personality match would be someone who tracks markets but doesn’t panic easily, is okay seeing large paper losses, and prioritizes future wealth over short‑term stability or income. Goals might include building a sizable retirement nest egg, funding future large expenses, or growing capital to support long‑term family plans. Moderate‑to‑high risk tolerance, patience, and a steady mindset during bear markets are key traits for this kind of growth‑heavy approach.

Positions

  • JPMORGAN LARGE CAP GROWTH FUND CLASS R6
    JLGMX - US48121L8413
    52.81%
  • VANGUARD 500 INDEX FUND ADMIRAL SHARES
    VFIAX - US9229087104
    47.19%

This portfolio is very straightforward: roughly half in an actively managed large cap growth fund and half in a broad US large cap index fund. That means almost everything is tied to big US companies, with very little in other regions or asset types. Compared with a typical growth benchmark, this setup is more concentrated and less diversified, though the broad index sleeve helps anchor it. This simplicity is a strength for ease of monitoring and understanding. To smooth the ride over time, it may help to gradually add a few other return drivers, such as assets that behave differently in recessions or foreign markets, while keeping the core two-fund structure if that fits your comfort level.

Growth Info

Historically, the portfolio has done extremely well, with a compound annual growth rate (CAGR) of about 22.8%. CAGR is like your “average speed” over a long trip, showing how much the portfolio grew per year on average. For context, that’s far above what broad stock markets have typically delivered long term, which is impressive but also hints at higher risk-taking. The max drawdown of about -32% shows that big drops have already happened and can happen again. That’s normal for growth-heavy stock portfolios. It can help to stress-test your comfort level: imagine seeing a one‑third drop again and decide in advance how you’d stay invested through that kind of scenario.

Projection Info

The Monte Carlo analysis, which runs 1,000 randomized “what if” paths based on historical patterns, shows very strong projected outcomes. Monte Carlo is basically a simulation that shuffles returns in many different ways to see a wide range of possible futures. The median result, around 1,824% growth, and an average simulated annual return above 25% are extremely high. However, this relies heavily on past returns that were unusually strong for US large cap growth stocks. It’s important to remember that simulations are not predictions; they’re more like weather models. Using them as a rough guide, not a promise, it can be wise to plan for lower returns than the model suggests.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%
  • Other
    0%

Almost all of the portfolio sits in stocks, with only about 1% in cash and nothing meaningful in other asset classes. That’s very aggressive and lines up with a growth‑oriented profile focused on long‑term appreciation over stability. Many broad benchmarks for growth investors still hold some mix of bonds, cash, or other diversifiers to cushion market swings. This stock‑heavy tilt amplifies both the upside and downside. It’s well aligned if the goal is maximum long‑run growth and the time horizon is long. To reduce shock during rough markets, it could help over time to introduce a small slice of more defensive assets that usually fall less when stocks sell off.

Sectors Info

  • Technology
    43%
  • Consumer Discretionary
    12%
  • Telecommunications
    11%
  • Financials
    10%
  • Health Care
    9%
  • Industrials
    7%
  • Consumer Staples
    4%
  • Energy
    2%
  • Utilities
    1%
  • Real Estate
    1%
  • Basic Materials
    1%

Sector exposure is clearly tilted toward technology at about 43%, with meaningful but smaller positions in consumer cyclical, communication services, financials, and healthcare. That tech leaning matches many modern growth benchmarks and has been rewarded in recent years, which explains a lot of the strong performance. At the same time, it does mean sensitivity to things like interest rate changes, innovation cycles, and regulatory news. When growth or tech stocks fall out of favor, portfolios like this can drop quickly. The overall sector spread beyond tech is still decent, which is a plus. To smooth sector risk, it might help to slowly increase exposure to areas that behave differently across the business cycle.

Regions Info

  • North America
    98%
  • Asia Developed
    1%
  • Asia Emerging
    1%
  • Latin America
    0%
  • Europe Developed
    0%

Geographically, the portfolio is almost entirely in North America, with only tiny allocations to developed and emerging Asia and nothing meaningful elsewhere. That heavy US tilt is common for American investors and has worked out very well over the last decade, especially with US tech leadership. Still, it does create “home country bias,” where results lean heavily on one economy, one currency, and one political system. Global benchmarks tend to have a larger non‑US slice for diversification. To reduce dependence on any single market, it may be worth gradually adding a modest global component so that other regions can contribute if US returns cool off in future decades.

Market capitalization Info

  • Mega-cap
    53%
  • Large-cap
    32%
  • Mid-cap
    14%
  • Small-cap
    1%

The market cap mix is skewed toward mega and big companies, with over 80% in mega and large caps and only a sliver in small caps. Market capitalization (market cap) just means the total value of a company’s shares, and larger companies usually bring more stability but can grow more slowly. This large‑cap bias actually aligns closely with many common benchmarks and offers a solid, familiar core. The tiny small‑cap exposure means you’re not really tapping into the potentially higher, but bumpier, returns of smaller firms. If extra diversification and long‑term growth potential are priorities, slowly boosting exposure to mid and small caps could balance things out without changing the portfolio’s overall character too much.

Dividends Info

  • JPMORGAN LARGE CAP GROWTH FUND CLASS R6 11.30%
  • VANGUARD 500 INDEX FUND ADMIRAL SHARES 1.10%
  • Weighted yield (per year) 6.49%

The portfolio sports a surprisingly high overall yield, boosted by the listed yield on the growth fund, alongside the more modest yield from the broad index fund. Dividend yield is the cash paid out each year as a percentage of the portfolio’s value, and it can be a nice “paycheck” on top of price gains. For a growth‑focused setup, getting a decent yield is a nice bonus, even if some of that figure may reflect special distributions or one‑off events. Relying too heavily on dividends alone can be risky, though. It usually works well to treat dividends as just one part of total return and keep the main focus on the combined effect of income and price appreciation.

Ongoing product costs Info

  • JPMORGAN LARGE CAP GROWTH FUND CLASS R6 0.44%
  • VANGUARD 500 INDEX FUND ADMIRAL SHARES 0.04%
  • Weighted costs total (per year) 0.25%

The blended cost of around 0.25% per year is quite reasonable, especially given the mix of an active growth fund and a low‑cost index core. The index fund cost of 0.04% is particularly efficient and aligns with best practices for keeping fees low over the long run. Costs matter because they come off returns every single year, like a small leak in a bucket. Over decades, even a fraction of a percent compounds into a large difference. This fee level is already supportive of good long‑term outcomes. If desired, the next step to improve cost efficiency would be to explore whether cheaper options exist for similar growth exposure without sacrificing quality or diversification.

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 spectrum, this setup sits firmly on the aggressive side but may still not be perfectly “efficient” in the strict sense. The Efficient Frontier is a concept that maps the best possible trade‑offs between risk and return using only the assets you already hold, just changing how much of each you own. Efficiency here means getting the most expected return for each unit of risk, not maximizing diversification or minimizing losses. Given the strong overlap between the two funds, small tweaks in their mix might not move the needle much. Bigger improvements in efficiency would likely come from adding at least one or two assets that behave differently from US large cap growth.

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