Balanced growth portfolio with a big Amazon tilt and broad stock bond and cash diversification

Report created on Apr 24, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is a mixed setup with roughly three-quarters in stocks, just under one-fifth in bonds, and about a tenth in cash-like holdings. The largest single position is Amazon at almost 13%, followed by a NASDAQ-100 ETF and several broad index and dividend-focused funds. This blend creates a core of diversified ETFs wrapped around a handful of big individual stocks. Structurally, that means most of the portfolio’s behavior comes from the equity slice, while bonds and cash play more of a stabilizing role. The risk profile is labeled “balanced,” and the actual mix supports that: meaningful growth exposure but with obvious ballast from short-term and investment-grade bond funds plus cash-like positions.

Growth Info

From October 2020 to April 2026, a $1,000 investment in this portfolio grew to about $1,853, which works out to a Compound Annual Growth Rate (CAGR) of 11.89%. CAGR is like your average speed on a road trip, smoothing out bumps along the way. Over the same period, the US market grew faster at 15.32% and the global market at 13.40%, so this portfolio lagged both. The worst drop, or max drawdown, was about -21%, slightly shallower than the benchmarks’ -24% to -26% falls. That shows a trade-off: somewhat lower returns but also slightly smaller peak-to-trough pain, consistent with the bond and cash cushion.

Projection Info

The Monte Carlo projection looks ahead 15 years by running 1,000 different “what if” paths based on historical behavior. Monte Carlo is basically a big simulation engine: it scrambles returns into many possible futures to show a range of outcomes rather than one precise forecast. The median outcome turns $1,000 into about $2,535, with a central “likely” band between roughly $1,791 and $3,529. There’s a 73% chance of ending above the starting value, and the average simulated annual return is 6.95%. These numbers are useful for getting a feel for potential growth and risk, but they lean heavily on past data, which can’t predict future market conditions or shocks.

Asset classes Info

  • Stocks
    73%
  • Bonds
    17%
  • Cash
    10%

Across asset classes, about 73% in stocks, 17% in bonds, and 10% in cash puts this firmly in the “balanced growth” area rather than ultra-aggressive or very conservative. Stocks are the main return driver, bonds usually help smooth volatility and provide income, and cash adds liquidity and short-term stability. Compared with a pure equity benchmark, this higher bond and cash share naturally leads to less extreme ups and downs but may also cap returns in roaring bull markets. The allocation is well-balanced and aligns closely with common blended strategies, giving a reasonable spread between growth potential and downside resilience without being overly tilted to either extreme.

Sectors Info

  • Technology
    19%
  • Consumer Discretionary
    17%
  • Telecommunications
    14%
  • Cash
    10%
  • Financials
    8%
  • Health Care
    6%
  • Industrials
    6%
  • Consumer Staples
    4%
  • Energy
    3%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, the portfolio leans meaningfully into Technology (19%) and Consumer Discretionary (17%), with Telecommunications also sizable at 14%. Financials, Health Care, and Industrials round things out, while sectors like Utilities, Real Estate, and Basic Materials are present but smaller. This mix is more growth-tilted than an evenly spread sector allocation, driven by holdings like Amazon and the NASDAQ 100 ETF. Growth-heavy areas can perform strongly in favorable economic and interest rate environments but may be more sensitive when rates rise or when investors rotate into more defensive sectors. Still, the presence of dividend and value funds helps keep sector exposure from becoming excessively one-sided.

Regions Info

  • North America
    66%
  • Cash
    10%
  • Europe Developed
    7%
  • Japan
    3%
  • Asia Developed
    2%
  • Asia Emerging
    1%
  • Australasia
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 66% is in North America, with smaller slices in developed Europe, Japan, other developed Asia, and a modest allocation to emerging Asia and Australasia. This lines up with a US-tilted but globally aware approach, broadly similar to many mainstream portfolios that overweight the home market. Such concentration means portfolio outcomes are heavily tied to the US economy and dollar, even though international funds add diversification. The international share is meaningful but not dominant, so shocks specific to North America would still have a strong impact. The geography mix is broadly diversified and reasonably aligned with global standards while still clearly anchored in the US.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    22%
  • Mid-cap
    9%
  • Small-cap
    1%

This breakdown covers the equity portion of your portfolio only.

By market capitalization, the portfolio is dominated by mega-cap and large-cap companies, with around 40% in mega-caps and 22% in large-caps. Mid-caps and small-caps together make up only about 10%. Larger companies tend to be more established and often less volatile than smaller firms, which can make the ride smoother but may limit exposure to the sometimes higher growth potential of smaller names. This tilt is typical for index-based and blue-chip-heavy portfolios and helps explain why many holdings look similar to broad market benchmarks. The relatively small small-cap slice means the portfolio is less exposed to the more cyclical, domestic-sensitive part of the market.

True holdings Info

  • Amazon.com Inc
    13.80%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    Direct holding 12.99%
  • Microsoft Corporation
    3.56%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    Direct holding 2.56%
  • Apple Inc
    2.64%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    Direct holding 1.36%
  • Corning Incorporated
    2.12%
  • Meta Platforms Inc.
    1.62%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    Direct holding 1.06%
  • NVIDIA Corporation
    1.54%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    1.51%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    Direct holding 0.90%
  • Broadcom Inc
    1.13%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard High Dividend Yield Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • UnitedHealth Group Incorporated
    1.12%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
    Direct holding 1.07%
  • BlackRock Cash Funds Treasury SL Agency
    0.72%
    Part of fund(s):
    • iShares Trust
  • Top 10 total 29.76%

This breakdown covers the equity portion of your portfolio only.

Looking through the funds into underlying holdings, Amazon stands out with a total exposure of about 13.8%, almost all from direct stock ownership plus a small boost via ETFs. Microsoft, Apple, Meta, and Alphabet also show up both directly and through funds, pushing their total weights above the direct positions alone. This double appearance is what’s called overlap: the same company appears in multiple holdings. Overlap can quietly increase concentration risk even if each single position looks reasonable. Since only ETF top-10 holdings are captured here, true overlap is likely higher, but even this partial view already flags a noticeable cluster in a handful of big US tech and growth names.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 73%
Size
Exposure to smaller companies
Low
Data availability: 73%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 73%
Quality
Preference for financially healthy companies
Neutral
Data availability: 73%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 87%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 83%

Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.

Factor exposure is fairly balanced across the board. Value, momentum, quality, yield, and low volatility all sit in the neutral band, close to market-like levels. Factors are basically traits — like “cheap vs expensive” or “steady vs jumpy” — that research links to long-term return patterns. Size is the one notable tilt: at 36%, it’s in the “low” range, meaning a mild tilt away from smaller companies and toward larger ones. That lines up with the heavy mega- and large-cap exposure. A factor profile like this suggests the portfolio will likely behave similarly to broad markets, rather than making big bets on any single style such as deep value or high momentum.

Risk contribution Info

  • Amazon.com Inc
    Weight: 12.99%
    29.0%
  • Invesco NASDAQ 100 ETF
    Weight: 11.04%
    17.7%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 9.24%
    9.3%
  • Vanguard S&P 500 ETF
    Weight: 7.03%
    8.6%
  • Vanguard High Dividend Yield Index Fund ETF Shares
    Weight: 8.67%
    7.3%
  • Top 5 risk contribution 71.9%

Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ a lot from simple weights. Amazon is the standout: at about 13% of assets, it contributes roughly 29% of total portfolio risk, more than double its weight. The NASDAQ 100 ETF is 11% of the portfolio but adds nearly 18% of risk. Together with the international fund, the top three positions generate about 56% of overall risk. This concentration means day-to-day and year-to-year performance is heavily influenced by a small group of growth-oriented holdings. Position size and volatility combine here, so one stock can act like a loud instrument dominating the orchestra.

Redundant positions Info

  • Schwab S&P 500 Index Fund
    Schwab U.S. Broad Market ETF
    Vanguard S&P 500 ETF
    High correlation
  • Vanguard Total International Stock Index Fund ETF Shares
    Schwab International Equity ETF
    High correlation
  • Vanguard Value Index Fund ETF Shares
    Vanguard High Dividend Yield Index Fund ETF Shares
    High correlation

The correlation view highlights pairs of holdings that have moved almost in lockstep historically. For example, the Schwab US Broad Market ETF and Schwab S&P 500 Index Fund behave very similarly, and both are also closely tied to the Vanguard S&P 500 ETF. Similarly, the Schwab International Equity ETF and the Vanguard Total International Stock ETF track each other closely. Correlation just means how often things move together; highly correlated positions don’t add much diversification when markets swing. The takeaway is that even though there are several different tickers, some of them are effectively variations on the same exposure, so diversification comes more from mixing asset classes and regions than from having many similar index 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.

The risk vs. return chart compares the current portfolio to an “efficient frontier,” which shows the best possible return for each risk level using the existing holdings in different proportions. The Sharpe ratio measures risk-adjusted returns — basically how much return you’re getting per unit of volatility. The current portfolio’s Sharpe is 0.62, while the optimal mix of the same holdings reaches 1.34, and the chart says the current setup sits about 7.4 percentage points below the frontier at its risk level. That means, in pure math terms, a different weighting of the same components could improve the balance between risk and return without changing what you own.

Dividends Info

  • Apple Inc 0.40%
  • Duke Energy Corporation 3.30%
  • Corning Incorporated 0.70%
  • Alphabet Inc Class A 0.20%
  • Meta Platforms Inc. 0.30%
  • Microsoft Corporation 0.80%
  • PGIM Ultra Short Bond 4.70%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Broad Market ETF 1.10%
  • Schwab U.S. Dividend Equity ETF 3.40%
  • Schwab International Equity ETF 3.10%
  • Schwab U.S. TIPS ETF 3.70%
  • iShares Trust 3.90%
  • Schwab S&P 500 Index Fund 1.10%
  • UnitedHealth Group Incorporated 2.50%
  • VANGUARD SHORT-TERM INVESTMENT-GRADE FUND INVESTOR SHARES 4.60%
  • Vanguard Short-Term Treasury Index Fund ETF Shares 3.90%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Value Index Fund ETF Shares 1.90%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Vanguard High Dividend Yield Index Fund ETF Shares 2.30%
  • Weighted yield (per year) 2.19%

The overall dividend yield, at about 2.19%, is moderate and reflects a blend of growth stocks, dividend ETFs, and income-focused bond funds. Dividend yield is simply the annual cash payout divided by price, a bit like interest on savings but with more variability. Growth names like Amazon and Meta pay little or nothing, while holdings like Schwab US Dividend Equity, Vanguard High Dividend Yield, and bond funds such as PGIM Ultra Short Bond and Vanguard Short-Term Investment-Grade provide most of the income. This setup leans more toward total return (price change plus some income) rather than being heavily income-centric, though the yield does contribute a steady component to overall returns.

Ongoing product costs Info

  • PGIM Ultra Short Bond 0.15%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Broad Market ETF 0.03%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab International Equity ETF 0.06%
  • Schwab U.S. TIPS ETF 0.03%
  • iShares Trust 0.07%
  • Schwab S&P 500 Index Fund 0.02%
  • VANGUARD SHORT-TERM INVESTMENT-GRADE FUND INVESTOR SHARES 0.20%
  • Vanguard Short-Term Treasury Index Fund ETF Shares 0.04%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Value Index Fund ETF Shares 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Vanguard High Dividend Yield Index Fund ETF Shares 0.06%
  • Weighted costs total (per year) 0.07%

Costs are impressively low, with a total expense ratio around 0.07% across funds. The TER (Total Expense Ratio) is the annual fee charged by a fund, similar to a small service fee for professional management and operations. Most core holdings sit in the 0.02%–0.07% range, with only a couple of funds reaching 0.15%–0.20%. Over long periods, lower costs mean more of the portfolio’s returns stay with you instead of going to fees. This cost structure is well-aligned with best practices for diversified portfolios and provides a strong foundation for long-term compounding, especially when combined with broad index exposure and a balanced asset mix.

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