Concentrated US stock portfolio with strong growth focus and low costs but moderate international diversification
Report created on Jun 16, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 60.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 20.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00%
This portfolio is a simple three‑ETF mix, fully invested in stocks. Around 60% sits in a broad US large‑cap index, 20% in a US large‑cap growth fund, and 20% in a total international stock ETF. So most of the risk and return comes from big US companies, with a smaller slice tied to markets outside the US. This kind of structure is easy to understand and maintain because each holding is broad and rules‑based. The trade‑off is that with just three funds, any tilt in one of them can noticeably shape the overall behavior, especially the added growth ETF that leans toward faster‑growing US names.
Growth
One or more local-currency benchmark funds are unavailable for this report.
From mid‑2016 to mid‑2026, a hypothetical $1,000 in this portfolio grew to about $4,202, which is a compound annual growth rate (CAGR) of 15.5%. CAGR is like average speed on a long road trip: it smooths out the bumps to show the typical yearly pace. Over the same period, the global market benchmark returned 12.79% per year, so this mix outpaced it by 2.71 percentage points annually. The worst drop, or max drawdown, was roughly -33.5% during early 2020, similar to the benchmark, showing meaningful downside in a crisis but not unusually severe.
Projection
The Monte Carlo projection uses the past behavior of these assets to simulate many possible futures and see a range of outcomes. Think of it as rolling the dice 1,000 times on what markets might do, then summarizing the results. Over 15 years, a $1,000 investment ends at a median of about $2,673, with a likely middle range of roughly $1,783 to $4,119. The average simulated annual return is 7.94%. These numbers highlight that outcomes spread widely even with the same starting point. As always, simulations rely on historical patterns, which can change, so they’re more about illustrating risk and variability than predicting a specific number.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash, or other asset classes. That means returns are fully tied to equity markets, which historically have offered higher long‑term growth but also deeper and more frequent swings. Compared with a more mixed stock‑and‑bond blend, this setup typically experiences sharper drawdowns when markets fall and stronger rebounds when they recover. Because bonds and cash aren’t present, there’s no built‑in buffer from more stable assets; the ride tends to be bumpier but with more upside potential if equity markets continue to do well over long stretches.
Sectors
- Technology 34%
- Financials 13%
- Telecommunications 11%
- Consumer Discretionary 10%
- Industrials 9%
- Health Care 8%
- Consumer Staples 4%
- Energy 3%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector‑wise, the portfolio leans heavily into technology at 34%, with financials, telecommunications, consumer discretionary, and industrials making up much of the rest. This tech‑heavy tilt is common among US‑centric index portfolios today because large tech and tech‑related firms dominate market value. When interest rates rise or sentiment shifts away from growth and innovation, technology and similar sectors can experience faster price swings. The presence of other sectors like health care, consumer staples, and utilities adds some balance, but the biggest drivers of performance are likely to be tech and related growth‑oriented industries that can amplify both rallies and pullbacks.
Regions
- North America 81%
- Europe Developed 7%
- Asia Developed 3%
- Japan 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
Geographically, about 81% of the portfolio is in North America, with relatively small slices in developed Europe, Japan, developed Asia, emerging Asia, and smaller regions. This means results are largely tied to the US economy, US dollar, and US corporate earnings, while still capturing a modest share of the rest of the world. Compared with a truly global market‑cap index, this is a clear US overweight. That alignment has helped over the last decade, as US stocks have outperformed many other regions, but it also means the portfolio’s fate is closely linked to one main market rather than spread evenly across global economies.
Market capitalization
- Mega-cap 49%
- Large-cap 32%
- Mid-cap 17%
- Small-cap 2%
By market capitalization, the mix is dominated by mega‑cap and large‑cap companies, which together represent about 81% of the portfolio. Mid‑caps are a meaningful 17%, and small‑caps are a small 2%. Larger companies tend to be more established, with broader business lines and more analyst coverage, which can mean relatively more stability and less idiosyncratic risk than tiny firms. However, it also means the portfolio is less exposed to the sometimes higher growth potential and higher volatility of small‑cap stocks. This pattern closely mirrors broad market indices, so the size exposure is quite mainstream and market‑like overall.
True holdings
-
NV NVIDIA Corporation 6.98%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 5.79%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 4.28%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.58%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 3.14%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.76%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.50%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.97%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.79%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 0.85%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 33.64%
Looking through to the top underlying holdings, the biggest exposures are highly familiar mega‑cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Berkshire Hathaway. Many of these show up via more than one ETF, so overlap creates hidden concentration in a handful of very large companies. For example, NVIDIA alone accounts for nearly 7% of the portfolio, and Apple around 5.8%, despite there being no direct single‑stock positions. Because only ETF top‑10 holdings are included, actual overlap is probably higher. This overlap means a small group of giants heavily influences the portfolio’s day‑to‑day moves.
Factors
Factor exposure is broadly neutral across the board. Value, size, momentum, quality, yield, and low volatility all sit around the 40–60% “market‑like” range. Factors are just characteristics, like “cheap vs. expensive” or “stable vs. volatile,” that research links to long‑term differences in returns. A neutral profile means the portfolio behaves a lot like the overall market rather than intentionally leaning into specific styles such as deep value, high dividend, or high momentum. This alignment is beneficial if the goal is to track broad market behavior without strong style bets that might help or hurt relative performance in particular market environments.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 60.00% 59.8% -
Schwab U.S. Large-Cap Growth ETF
Weight: 20.00% 23.2% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 17.1%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weight. Here, the 60% S&P 500 ETF delivers about 60% of total risk, almost exactly in line with its weight. The US large‑cap growth ETF is 20% by weight but contributes a bit more to risk, at around 23%, reflecting its slightly more volatile, growth‑oriented holdings. The international ETF is 20% of the portfolio yet contributes only about 17% to risk, so it slightly dampens overall volatility. Overall, risk is concentrated in US large‑cap stocks, especially the broad S&P 500 position.
Redundant positions
-
High correlationVanguard S&P 500 ETFSchwab U.S. Large-Cap Growth ETF
The correlation data shows that the Schwab US Large‑Cap Growth ETF and the Vanguard S&P 500 ETF move almost identically. Correlation is a measure of how two investments move together; when it’s very high, they tend to rise and fall at the same time. This isn’t a flaw, it just means these two funds are exposed to very similar segments of the US market, especially large‑cap growth names. As a result, holding both doesn’t add much diversification between them, and they often reinforce each other’s moves. Diversification benefits mainly come from the international fund rather than from differences between the two US funds.
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.
Click on the colored dots to explore allocations.
On the risk‑versus‑return chart, the current mix sits on or very close to the efficient frontier. The efficient frontier represents the best possible expected return for each risk level using only these existing holdings in different proportions. The current Sharpe ratio of about 0.66, compared with a maximum of 0.86 and a minimum‑variance Sharpe of 0.7, suggests the portfolio’s risk‑adjusted return is already strong and reasonably efficient. This means, based on historical data, the three ETFs are being combined in a way that makes good use of them; there isn’t a glaring inefficiency in how they’re weighted.
Dividends
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard S&P 500 ETF 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.60%
- Weighted yield (per year) 1.20%
The overall dividend yield is around 1.2%, with the US growth ETF yielding about 0.4%, the S&P 500 ETF about 1.0%, and the international ETF around 2.6%. Dividend yield is the cash paid out each year as a percentage of the investment’s value, like interest on a savings account but not guaranteed. This is a relatively low‑to‑moderate income level, signaling that the portfolio leans more toward growth and price appreciation than cash payouts. Over time, even modest dividends can contribute meaningfully to total return, especially if they are reinvested, but they are not the main engine here.
Ongoing product costs
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
The total ongoing cost, measured by the TER (Total Expense Ratio), is about 0.04%, with individual ETFs ranging from 0.03% to 0.05%. TER is the annual fee charged by a fund, taken out of its assets, similar to a small management fee. These numbers are impressively low by industry standards, especially for broad index funds. Low costs support better long‑term performance because less return is eaten up by fees each year, and even small differences compound over decades. This cost structure is a real strength of the portfolio and provides a solid foundation for long‑term compounding.
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