Growth focused US large cap portfolio blending dividends momentum and a stabilizing gold ballast
Report created on Mar 19, 2026Risk 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.
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 50.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 25.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 10.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 10.00% -
GL SPDR Gold Mini Shares
GLDM - US98149E3036 5.00%
This is a growth‑oriented mix built almost entirely from US stock ETFs, with a small gold sleeve. Roughly half sits in a broad S&P 500 core, a quarter in a high‑dividend strategy, and the rest in growth and momentum funds plus 5% in gold. That structure creates a solid backbone of mainstream large caps, then layers on income and return‑seeking tilts. Understanding this layout matters because each building block behaves differently in various markets. The overall picture is a moderately diversified, equity‑heavy portfolio where long‑term capital growth is clearly the main focus, with gold acting as a modest hedge rather than a major driver.
Growth
The portfolio’s historical compound annual growth rate (CAGR) of 15.21% is strong for a growth profile and likely competitive with broad US equity benchmarks. CAGR is the “average speed” of growth per year, smoothing the bumps along the way. The max drawdown of –31.74% shows it can still fall hard during major selloffs, which is normal for stock‑heavy allocations. Only 25 days made up 90% of returns, underscoring how a few big days drive long‑term results. This pattern rewards steady, stay‑invested behavior and punishes market timing. Past performance can’t predict the future, but it does confirm this setup has historically been well‑compensated for the level of risk taken.
Projection
The Monte Carlo analysis runs 1,000 simulations using past return and volatility patterns to imagine many possible futures, like rolling dice thousands of times. Across those paths, the median outcome ends around 713% of today’s value, with the pessimistic 5th percentile still at about 131.5% and the upside 67th percentile over 1,000%. The average simulated annual return of 17.95% reflects the historical strength of similar exposures but is not a promise. Monte Carlo is useful because it shows a range of outcomes, not just a single forecast, highlighting that results can vary widely even with the same starting portfolio. It’s a planning tool, not a guarantee, and should be treated as one scenario set among many.
Asset classes
- Stocks 95%
- Other 5%
Asset‑class exposure is very straightforward: about 95% in stocks and 5% in “other,” which here is gold, with no meaningful cash. That puts this squarely in the growth camp, accepting equity‑market ups and downs in exchange for higher expected returns. Compared to more balanced allocations that mix in bonds, this setup will usually rise more in bull markets and fall more in big equity corrections. The 5% gold slice is small but helpful as a diversifier, since gold often behaves differently from stocks. Overall, this is well‑aligned with a growth profile and suits goals where capital appreciation over long periods matters more than short‑term stability or income smoothness.
Sectors
- Technology 27%
- Financials 11%
- Health Care 10%
- Telecommunications 10%
- Consumer Discretionary 9%
- Industrials 9%
- Consumer Staples 8%
- Energy 8%
- Utilities 2%
- Basic Materials 2%
- Real Estate 1%
Sector exposure is nicely spread across many parts of the economy, with technology the largest at 27%, followed by solid weights in financials, healthcare, communication services, consumer areas, and industrials. This mix is broadly consistent with major US benchmarks, which is a strong indicator of healthy diversification. A sizable tech and communication tilt generally boosts long‑term growth potential but can be more sensitive when interest rates rise or when sentiment turns against high‑growth companies. Meanwhile, exposure to defensive areas like consumer staples, utilities, and healthcare helps cushion some cyclicality. The sector layout shows a modern, growth‑leaning equity portfolio that still keeps one foot in steadier businesses rather than going all‑in on a single theme.
Regions
- North America 94%
Geographically, the portfolio is extremely US‑centric, with about 94% in North America and essentially no developed Europe, emerging Asia, or Latin America. This aligns closely with US benchmark investing and keeps things simple from a currency and familiarity standpoint, especially for a US‑based investor. The trade‑off is reduced diversification against country‑specific or policy shocks that could hit US markets harder than others. Many global investors hold a mix of domestic and international stocks to spread political and economic risk more widely. Sticking mostly to the US has worked well in the last decade, but future leadership can shift, so it’s helpful to recognize this home‑bias tilt as a deliberate choice rather than an accident.
Market capitalization
- Large-cap 40%
- Mega-cap 33%
- Mid-cap 20%
- Small-cap 2%
Market‑cap exposure is dominated by mega and big companies, which together make up over 70% of the allocation, with a smaller slice in mid caps and only a token amount in small caps. That large‑company bias fits with the use of S&P 500, large‑cap growth, and dividend ETFs, and it generally means more stability, better liquidity, and less company‑specific blow‑up risk than a heavy small‑cap tilt. The flip side is potentially less exposure to early‑stage growth stories that often sit in smaller companies. Overall, this large‑cap orientation is well‑aligned with mainstream benchmark practice and is a positive from a diversification and risk‑control standpoint, especially for a core portfolio.
True holdings
-
NV NVIDIA Corporation 5.73%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 4.27%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.24%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.62%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 2.41%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.26%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.99%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.59%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
CV Chevron Corp 1.47%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
- Vanguard S&P 500 ETF
-
CS Cisco Systems Inc 1.42%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Schwab U.S. Dividend Equity ETF
- Vanguard S&P 500 ETF
- Top 10 total 27.01%
Looking through the ETFs, there is notable concentration in a handful of mega‑cap leaders like NVIDIA, Apple, Microsoft, Broadcom, Meta, Amazon, and Alphabet. Several of these appear across multiple funds, so their true influence is larger than any single ETF line item suggests. This kind of hidden overlap is common when combining broad indexes with growth or momentum funds, but it does mean outcomes are strongly tied to a relatively small group of giants. If those companies keep leading, this can be a tailwind; if they stumble together, portfolio swings may feel sharper. Being aware of this concentration helps set expectations and decide whether that tilt is intentional.
Factors
Factor exposure shows strong tilts toward yield, low volatility, and value, with notable momentum as well and some size tilt. Factors are like personality traits of stocks—value, momentum, quality, etc.—that research has tied to long‑term return patterns. A high yield tilt comes largely from the dividend ETF, aiming for income and often more mature companies. Low‑volatility and value tilts can provide some cushion in rough markets, while momentum exposure (particularly via the dedicated ETF) tends to shine when trends persist but can hurt in sharp reversals. Signal coverage is only moderate on some factors, so readings aren’t perfect, but the overall mix suggests a “multi‑factor” flavor that blends income, stability, and trend‑following rather than relying on a single style.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 53.6% -
Schwab U.S. Dividend Equity ETF
Weight: 25.00% 22.6% -
Schwab U.S. Large-Cap Growth ETF
Weight: 10.00% 12.1% -
Invesco S&P 500® Momentum ETF
Weight: 10.00% 11.0% -
SPDR Gold Mini Shares
Weight: 5.00% 0.6%
Risk contribution, which measures how much each holding drives total portfolio ups and downs, is concentrated in the big equity pieces. The S&P 500 ETF is 50% of the weight but contributes about 54% of the risk, while the dividend ETF adds roughly 23% and the growth ETF about 12%. Together, the top three holdings drive more than 88% of overall risk. Gold is only 5% of the weight but just 0.61% of the risk, showing its diversifying role. A risk‑to‑weight ratio above 1 means a holding is “riskier per dollar,” as seen with the growth and momentum ETFs. Periodic rebalancing can help keep these risk contributions aligned with the intended profile as markets move.
Redundant positions
-
High correlationSchwab U.S. Large-Cap Growth ETFVanguard S&P 500 ETF
The highly correlated pairing between the S&P 500 ETF and the large‑cap growth ETF is expected because both sit in similar parts of the US market and share many underlying holdings. Correlation measures how two investments tend to move together; when it’s high, owning both adds less diversification than it might appear from the ticker count alone. This doesn’t make either fund “bad,” but it means their combined weight should be viewed as a single cluster when thinking about risk. In contrast, the gold ETF is typically much less correlated with stocks, which is why it contributes so little to total portfolio volatility despite having a non‑trivial allocation.
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‑return optimization shows that, using only these existing holdings, there is room to improve efficiency. The “efficient frontier” is the curve of best possible returns for each risk level given the current ingredients. Here, a more efficient mix with the same risk could reach about 18.13% expected return, higher than the current setup, and the optimal portfolio also sits at 18.13% with volatility around 13.33%. That suggests the current weights are a bit below the frontier—not bad, but not maximized. The good news is that adjustments would involve reweighting what’s already owned rather than adding new products, allowing for a cleaner risk/return tradeoff while keeping the same familiar building blocks.
Dividends
- Schwab U.S. Dividend Equity ETF 3.40%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Invesco S&P 500® Momentum ETF 0.80%
- Vanguard S&P 500 ETF 1.20%
- Weighted yield (per year) 1.57%
The portfolio’s overall yield of about 1.57% is modest but meaningfully boosted by the high‑dividend ETF at 3.4%. Dividend yield is the cash income paid out each year as a percentage of the investment’s value. For a growth‑oriented setup, this level of income is a nice side benefit rather than the main engine of returns. Reinvesting dividends back into the portfolio can meaningfully compound over time, especially over multi‑decade horizons. The mix of higher‑yielding and low‑yield growth funds keeps a balance between income and capital appreciation potential, which is helpful for investors who want some cash flow without sacrificing exposure to fast‑growing companies that typically pay smaller dividends.
Ongoing product costs
- SPDR Gold Mini Shares 0.10%
- Schwab U.S. Dividend Equity ETF 0.06%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.05%
Costs are impressively low, with a blended total expense ratio around 0.05%. That’s very competitive even by index‑fund standards and is a substantial strength of this portfolio. Fees are like a constant headwind: small differences compound massively over decades. Keeping costs this low means more of the gross return lands in the investor’s pocket rather than going to fund managers. The use of major index‑style ETFs from Vanguard, Schwab, and others is exactly the kind of cost‑conscious structure that supports better long‑term outcomes, especially when combined with a disciplined, low‑turnover approach that avoids frequent trading costs and tax drag. On the cost front, this setup is firmly on the right track.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey