A US heavy equity portfolio with strong growth tilt and impressively low overall investment costs

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 an investor who is comfortable with moderate to moderately‑high risk and is focused on long‑term growth rather than short‑term stability or high income. A typical horizon might be at least 10 years, with the ability to ride out market corrections of 20% or more without panicking. Goals could include building retirement wealth, compounding a taxable account for future big purchases, or growing an education fund where withdrawals are many years away. This kind of investor usually accepts that returns will be lumpy, understands that all‑equity mixes can be volatile, and values low costs, simplicity, and broad market exposure over frequent trading or heavy tactical bets.

Positions

  • Vanguard S&P 500 ETF
    VOO - US9229083632
    61.83%
  • SPDR® Portfolio S&P 500 Growth ETF
    SPYG - US78464A4094
    6.35%
  • Tetra Tech Inc
    TTEK - US88162G1031
    5.89%
  • First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund
    GRID - US33737A1088
    4.68%
  • Unusual Whales Subversive Democratic Trading ETF
    NANC - US81752T5103
    4.57%
  • ABM Industries Incorporated
    ABM - US0009571003
    3.69%
  • Nextera Energy Inc
    NEE - US65339F1012
    3.56%
  • First Trust Water ETF
    FIW - US33733B1008
    3.45%
  • Amplify ETF Trust
    ETHO - US0321085575
    2.52%
  • Amazon.com Inc
    AMZN - US0231351067
    2.34%
  • First Solar Inc
    FSLR - US3364331070
    1.12%

This portfolio is almost entirely built around broad US equity exposure, with one large core holding doing most of the work and several smaller satellite positions adding tilts toward growth and specific themes. This kind of core‑satellite structure is common and generally aligns well with standard balanced‑equity approaches, but here everything still sits in one asset class. That means the risk profile is driven overwhelmingly by stock market movements, not by bonds or cash. For someone aiming at a “balanced” risk level, shifting a slice into more defensive assets could smooth the ride, especially during sharp equity drawdowns, without necessarily sacrificing long‑term wealth building.

Growth Info

Historically, a 19% compound annual growth rate (CAGR) is very strong. CAGR is just the “per year on average” growth, like averaging your speed on a long road trip. For example, $10,000 growing at 19% annually for 10 years would become roughly $56,000, before taxes and fees. The max drawdown of about –20% means that at one point the portfolio was down around a fifth from a prior peak, which is actually quite mild for an all‑stock mix. This profile suggests solid upside capture with manageable downside so far, but it’s crucial to remember that past performance doesn’t guarantee future results, especially given recent unusually strong US equity years.

Projection Info

The Monte Carlo analysis simulates many possible future paths by “shuffling” historical returns to see a range of outcomes. It’s a bit like running 1,000 alternate timelines using past volatility and return patterns as a guide. A median outcome of roughly +784% suggests that $10,000 could hypothetically grow to about $88,000 over the chosen horizon, while the 5th percentile of about +41% shows a much weaker but still positive scenario. An average simulated annual return above 20% is very optimistic and probably reflects a strong recent history; in reality, future returns are likely to be lower. These simulations are useful for framing risk, but they are not forecasts or guarantees.

Asset classes Info

  • Stocks
    100%
  • Other
    0%
  • Cash
    0%
  • No data
    0%

All investable assets here are in one bucket: stocks. That makes the portfolio very straightforward, and for long‑term growth this kind of pure‑equity approach can be effective. However, traditional “balanced” portfolios usually combine stocks with bonds or cash‑like assets to buffer market swings. Bonds, for example, often act like a seatbelt: they may slow growth in boom times but reduce losses when stocks fall. This allocation is therefore more growth‑oriented than a typical balanced profile. Adding even a modest slice of non‑equity assets could help bring the risk level closer to a classic balanced stance while still keeping growth as the main objective.

Sectors Info

  • Technology
    29%
  • Industrials
    20%
  • Consumer Discretionary
    10%
  • Financials
    9%
  • Telecommunications
    9%
  • Health Care
    8%
  • Utilities
    7%
  • Consumer Staples
    4%
  • Energy
    2%
  • Basic Materials
    1%
  • Real Estate
    1%

Sector exposure is tilted toward technology and industrials, with meaningful weights also in consumer‑related, financial, communication, healthcare, and utility areas. This structure is broadly similar to major US large‑cap benchmarks, which is a positive sign: it means sector risk is not wildly out of line with the market. That said, tech and growth‑oriented areas can be more sensitive to interest rate changes and sentiment swings, so performance may be more volatile during tightening cycles or when growth stocks fall out of favor. Investors wanting a smoother ride could consider dialing back concentrated growth tilts and making sure more defensive sectors maintain a stable presence over time.

Regions Info

  • North America
    97%
  • Europe Developed
    3%
  • Asia Developed
    0%
  • Latin America
    0%
  • Japan
    0%
  • Asia Emerging
    0%
  • Europe Emerging
    0%

Geographic exposure is extremely US‑centric, with almost everything in North America and only a small slice in developed Europe. This aligns with many US investors’ habits and has been rewarded in the last decade, as US markets have outperformed many regions. However, it also creates “home bias” risk: if the US experiences a weaker decade, the portfolio will likely feel it strongly. Common global benchmarks usually include a more meaningful share of non‑US stocks. Gradually increasing international exposure could help diversify policy, currency, and economic cycles, potentially reducing the chance that one country’s issues dominate the entire portfolio’s long‑term path.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    38%
  • Mid-cap
    19%
  • Small-cap
    3%
  • Micro-cap
    1%

The portfolio is heavily tilted toward mega‑ and large‑cap companies, with smaller allocations to mid, small, and micro caps. Large caps tend to be more stable, diversified businesses, often with more predictable earnings and better liquidity, which can moderate volatility compared with a small‑cap‑heavy mix. The modest mid/small exposure adds some growth potential without making the portfolio overly sensitive to the more dramatic swings that tiny companies can experience. This balance is broadly in line with major US indices, which is a strength. Someone seeking more aggressive growth might lean further into smaller companies, while a more conservative stance would keep large caps as the clear anchor, as is already the case here.

Redundant positions Info

  • Unusual Whales Subversive Democratic Trading ETF
    SPDR® Portfolio S&P 500 Growth ETF
    Vanguard S&P 500 ETF
    High correlation

Several holdings, especially the large S&P 500 ETF and the growth‑tilted US equity ETFs, move very similarly over time. This is called high correlation: when one rises or falls, the others tend to do the same. While this alignment helps keep the portfolio behaving like a broad US market proxy, it limits the diversification benefit of holding multiple overlapping funds. Owning two funds that track similar sets of large US companies usually doesn’t reduce risk meaningfully. Streamlining these highly correlated positions could simplify the portfolio and reduce redundancy, while freeing space for assets that truly behave differently in rough markets, such as more defensive or diversifying holdings.

Dividends Info

  • ABM Industries Incorporated 2.30%
  • Amplify ETF Trust 0.80%
  • First Trust Water ETF 0.70%
  • First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund 0.90%
  • Unusual Whales Subversive Democratic Trading ETF 0.20%
  • Nextera Energy Inc 2.50%
  • SPDR® Portfolio S&P 500 Growth ETF 0.50%
  • Tetra Tech Inc 0.60%
  • Vanguard S&P 500 ETF 1.10%
  • Weighted yield (per year) 1.02%

The total dividend yield of roughly 1% is consistent with a growth‑oriented equity mix and the current payout profile of many large US companies. Dividends are the cash payments companies make to shareholders, and over decades they can be a big part of total return, especially when reinvested. Here, the main driver of performance is clearly expected to be price appreciation, not income. This is well‑aligned with long‑term growth goals but less ideal for someone needing steady cash flow. If income needs rise later, gradually increasing exposure to higher‑yielding but still quality‑oriented holdings could help, without abandoning the existing growth‑focused structure that has worked well so far.

Ongoing product costs Info

  • Amplify ETF Trust 0.45%
  • First Trust Water ETF 0.53%
  • First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund 0.57%
  • Unusual Whales Subversive Democratic Trading ETF 0.76%
  • SPDR® Portfolio S&P 500 Growth ETF 0.04%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.11%

The blended ongoing cost (Total TER) of around 0.11% is impressively low, especially given the presence of a few higher‑fee thematic funds. Low costs matter because fees come off every year, like a slow leak in a tire; over decades, even small fee differences can compound into big dollar gaps. The strong weighting in very low‑cost broad ETFs is a major positive, supporting better long‑term outcomes. Where there are higher‑fee positions, it can be worth asking whether their added complexity or theme exposure genuinely brings something unique. If not, leaning more heavily on the cheaper core building blocks could keep performance more tightly aligned with the overall market at minimal cost.

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 chart known as the Efficient Frontier, each mix of your current holdings would sit somewhere based on its historical risk and return. An “efficient” mix is simply the one that, using only these existing assets, offers the highest expected return for a given level of volatility, or the lowest volatility for a chosen return. It doesn’t mean perfect diversification or the “best” portfolio in absolute terms—just the best trade‑off within this specific toolkit. Because some holdings are highly overlapping, trimming redundant positions and slightly reshaping weights between the broad market core and the satellites could nudge the portfolio closer to that efficient line without changing its overall growth‑oriented character.

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