Diversified dividend tilted global stock portfolio with a balance of growth small caps and defensive factors

Report created on Jun 2, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is entirely made up of equity ETFs, with everything in stocks and no bonds or cash in the mix. The largest piece is a broad US dividend appreciation fund, supported by US and international dividend ETFs, which gives the whole portfolio a clear income and quality tilt. Around a quarter is in smaller company and sector-focused funds, including small-cap value, general small caps, growth, and cybersecurity. Structurally, this means the core is diversified and rules-based, while satellite positions add more targeted exposure. A 100% stock portfolio will typically rise and fall more than mixes that include bonds, but it also captures more equity growth when markets do well.

Growth Info

One or more local-currency benchmark funds are unavailable for this report.

Over the period from April 2021 to May 2026, a hypothetical $1,000 invested here grew to about $1,643. That translates into a compound annual growth rate (CAGR) of 10.29%, while the global market benchmark returned 11.36% a year over the same window. CAGR is like average speed on a road trip, smoothing out bumps along the way. The portfolio’s max drawdown — its largest peak-to-trough drop — was -22.95%, slightly smaller than the benchmark’s -26.42%, and it took 15 months to recover. That suggests a bit of downside resilience, even with slightly lower overall returns. Only 17 days generated 90% of total gains, which shows how much equity returns cluster into short bursts.

Projection Info

The Monte Carlo projection uses the portfolio’s historical behavior to simulate 1,000 different 15‑year paths for a $1,000 investment. Think of it as rolling the dice many times using past volatility and returns as inputs, then seeing the spread of outcomes. The median result lands near $2,812, with a “likely” middle band between about $1,839 and $4,197. There’s also a wide but plausible range from roughly breaking even to more than seven times the starting value. The average simulated annual return of 8.12% is lower than the recent historical CAGR, reflecting uncertainty and the assumption that markets won’t always be as strong. As always, projections aren’t promises; they’re just a structured way to visualize potential futures.

Asset classes Info

  • Stocks
    100%

Every dollar here is in equities, with 100% in stocks and no exposure to bonds, cash, or alternative assets. Asset classes are broad buckets — like stocks, bonds, and real estate — that tend to respond differently to economic cycles. A stocks-only mix keeps things simple and fully focused on company ownership and growth. Compared with more blended portfolios that use bonds to dampen ups and downs, this structure naturally leans toward higher volatility and higher long‑term return potential. It also means that if global stock markets experience extended weakness, there is no built‑in cushion from more defensive asset classes. For investors already holding bonds or cash elsewhere, a pure equity sleeve can still sit within a broader diversified picture.

Sectors Info

  • Technology
    24%
  • Financials
    15%
  • Industrials
    12%
  • Health Care
    11%
  • Consumer Discretionary
    9%
  • Consumer Staples
    9%
  • Energy
    7%
  • Telecommunications
    6%
  • Basic Materials
    3%
  • Utilities
    3%
  • Real Estate
    1%

Sector-wise, the portfolio is anchored by technology at 24%, followed by financials at 15%, industrials at 12%, and health care at 11%. Consumer sectors together make up 18%, with meaningful but smaller stakes in energy, telecoms, materials, utilities, and real estate. This spread is fairly balanced and resembles broad equity benchmarks, which is a strong indicator of diversification across different parts of the economy. The tilt toward technology and financials means earnings in those areas will matter more for overall returns, while utilities and real estate play a minor role. Tech-related areas, including cybersecurity, can add growth potential but may react more sharply to interest rate shifts or sentiment changes than more defensive sectors.

Regions Info

  • North America
    75%
  • Europe Developed
    14%
  • Asia Emerging
    3%
  • Australasia
    2%
  • Asia Developed
    2%
  • Japan
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, about 75% of the portfolio is in North America, with most of that likely in the US, while 14% is in developed Europe. The remainder is spread across developed Asia, Japan, Australasia, emerging Asia, Latin America, and Africa/Middle East in single‑digit slices. Compared with a typical global index, this shows a clear North America tilt but still includes meaningful non‑US exposure. Geography matters because different regions have distinct currencies, growth drivers, and policy environments. A strong home tilt can benefit when domestic markets outperform but also concentrates economic and political risk. The presence of broad international and international dividend funds helps align the portfolio more closely with global standards, improving diversification beyond one region.

Market capitalization Info

  • Large-cap
    32%
  • Mega-cap
    27%
  • Mid-cap
    20%
  • Small-cap
    12%
  • Micro-cap
    7%

In terms of company size, this portfolio spreads across the spectrum: 27% in mega‑caps, 32% in large‑caps, 20% in mid‑caps, 12% in small‑caps, and 7% in micro‑caps. Market capitalization (or “market cap”) simply reflects company size by stock market value. A typical world index would lean more heavily to mega and large companies, so the higher small and micro‑cap slice here stands out. Smaller companies often come with higher growth potential but more volatile and cyclical returns. Having a meaningful allocation to small and micro caps, on top of mid‑caps, means the portfolio is not just riding on the very biggest names. That can add diversification, but it can also amplify swings compared with a pure large‑cap approach.

True holdings Info

  • Broadcom Inc
    1.84%
    Part of fund(s):
    • First Trust NASDAQ Cybersecurity ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
  • Apple Inc
    1.66%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
  • Microsoft Corporation
    1.37%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
  • Eli Lilly and Company
    1.01%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
  • NVIDIA Corporation
    0.89%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
  • Qualcomm Incorporated
    0.88%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • Texas Instruments Incorporated
    0.82%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • Eni S.p.A.
    0.81%
    Part of fund(s):
    • Schwab International Dividend Equity ETF
  • TotalEnergies SE
    0.80%
    Part of fund(s):
    • Schwab International Dividend Equity ETF
  • JPMorgan Chase & Co
    0.77%
    Part of fund(s):
    • Vanguard Dividend Appreciation Index Fund ETF Shares
  • Top 10 total 10.85%

Looking through the ETFs into their top holdings, the single biggest underlying exposure identified is Broadcom at about 1.84% of the portfolio, followed by Apple at 1.66% and Microsoft at 1.37%. Several large technology and financial names appear across multiple funds, which creates some overlap and hidden concentration, even if each ETF seems diversified. However, the top‑10 look‑through only covers about one‑third of the portfolio, so actual overlaps are likely larger than what’s visible here. This isn’t inherently negative: big companies often sit in many indexes because they dominate global markets. It does mean that when these mega‑caps have strong or weak periods, their impact could be more pronounced than a quick glance at just the ETF tickers might suggest.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 100%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 83%
Quality
Preference for financially healthy companies
Neutral
Data availability: 83%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 100%

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.

On factor exposure, this portfolio shows a high tilt to value (64%) and high exposure to low volatility (60%), while size, momentum, quality, and yield sit around neutral. Factors are underlying characteristics – such as cheapness (value) or stability (low volatility) – that research links to long‑term return patterns. A value tilt means more emphasis on stocks priced lower relative to fundamentals, which can help when markets reward cheaper companies. The higher low‑volatility score suggests a preference, at the portfolio level, for steadier names that historically move less than the market. Together, this blend often behaves more defensively than a pure growth mix, potentially softening drawdowns during rough patches, though it may lag in fast‑moving, speculative rallies.

Risk contribution Info

  • Vanguard Dividend Appreciation Index Fund ETF Shares
    Weight: 21.79%
    19.1%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 9.90%
    12.9%
  • Schwab International Dividend Equity ETF
    Weight: 16.83%
    11.5%
  • Schwab U.S. Dividend Equity ETF
    Weight: 13.86%
    11.3%
  • Vanguard Mid-Cap Growth Index Fund ETF Shares
    Weight: 7.92%
    10.2%
  • Top 5 risk contribution 65.0%

Risk contribution shows how much each holding adds to overall portfolio ups and downs, which can differ from its weight. The main dividend appreciation ETF is about 22% of the portfolio but contributes roughly 19% of total risk, slightly less than its size suggests. In contrast, the Avantis US Small Cap Value and Vanguard Mid‑Cap Growth ETFs each contribute more risk than their weights, with risk/weight ratios around 1.3. That’s typical: smaller and growth‑oriented segments usually swing more. The top three holdings by weight together make up 43.5% of total portfolio risk, which is notable but not extreme for a focused equity mix. This pattern indicates that the core funds drive most behavior, while satellite funds add an extra layer of volatility.

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 efficient frontier analysis compares this portfolio’s risk/return mix with the best combinations achievable using the same ETFs. Here, the current portfolio has a Sharpe ratio of 0.48, below both the maximum‑Sharpe portfolio (0.76) and the minimum‑variance mix (0.71). The Sharpe ratio is a simple way to measure return per unit of risk after accounting for a risk‑free rate, like a yield on cash. At the current risk level of about 15.3% volatility, the portfolio sits around 1.7 percentage points below the frontier, meaning that reweighting the existing holdings — without adding anything new — could, in theory, deliver a better trade‑off. Even so, the current configuration is still within a reasonable range for a balanced equity blend.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.30%
  • First Trust NASDAQ Cybersecurity ETF 0.40%
  • Schwab U.S. Small-Cap ETF 1.00%
  • Schwab U.S. Dividend Equity ETF 3.20%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Schwab International Dividend Equity ETF 3.40%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 1.50%
  • Vanguard Mid-Cap Growth Index Fund ETF Shares 0.60%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.86%

The overall dividend yield is about 1.86%, with the highest contributions coming from the US and international dividend ETFs, each above 3%. Yield is the annual cash payout as a percentage of price, and it can be an important chunk of total return, especially over long periods. Here, the yield is somewhat higher than many pure growth portfolios but lower than dedicated high‑income strategies. Because several funds focus on dividend growth or quality rather than just high payouts, the income stream may be more stable and potentially grow over time with company earnings. That combination — moderate current yield plus dividend growth orientation — fits well with an equity portfolio aiming for both income and capital appreciation.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • First Trust NASDAQ Cybersecurity ETF 0.59%
  • Schwab U.S. Small-Cap ETF 0.04%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Schwab International Dividend Equity ETF 0.14%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 0.06%
  • Vanguard Mid-Cap Growth Index Fund ETF Shares 0.07%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.13%

The weighted average total expense ratio (TER) of this portfolio is about 0.13%, which is impressively low for an all‑ETF, multi‑factor, global equity mix. TER is the annual fee charged by a fund as a percentage of assets, a bit like a management subscription cost that quietly comes out in the background. Most holdings are very low‑cost index or rules‑based ETFs, with only the specialized cybersecurity and small‑cap value funds charging noticeably more. Low ongoing costs help more of the portfolio’s gross return show up in your net performance, and over many years the difference compounds. In this case, the fee level aligns closely with best‑in‑class benchmarks, providing a solid structural advantage for long‑term compounding.

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