Blended US growth and dividend portfolio with efficient risk profile and modest international diversification
Report created on Apr 14, 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 60.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 20.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 10.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10.00%
The portfolio is built entirely from four broad equity ETFs, with a heavy tilt toward the US. About 60% sits in a core large‑cap US fund, 20% in a US dividend ETF, 10% in a growth‑oriented Nasdaq 100 ETF, and 10% in an international equity fund. This structure mixes broad market exposure, a slice of income focus, and an extra dose of tech and growth. Having a simple, ETF‑only lineup makes the portfolio easy to monitor and understand. The key takeaway is that this is a clean, equity‑only, mostly‑US setup that balances growth and income elements while staying straightforward and low‑maintenance.
Growth
Historically, $1,000 invested grew to about $2,042 over roughly 5.5 years, a compound annual growth rate (CAGR) of 13.95%. CAGR is like your average speed on a road trip, smoothing out bumps along the way. The portfolio slightly trailed the US market by 0.53% per year but beat the global market by 1.31% per year, which is a solid result. Max drawdown, the worst peak‑to‑trough fall, was about -23.8%, similar to broad markets and fully recovered within about two years. This shows the risk level is in line with typical equity benchmarks. Remember, past performance is not a guarantee of future returns, but it does show the risk/return profile has been competitive.
Projection
The Monte Carlo projection uses historical return and volatility data to simulate 1,000 possible 15‑year paths for a $1,000 investment. Think of it as running many “what if” scenarios based on past patterns, then looking at the distribution of outcomes. The median result is about $2,803, with a central “likely” range from roughly $1,799 to $4,258, and a very wide possible band from about $963 to $7,745. That translates to an average simulated annual return around 8.24%, with roughly a 74% chance of ending positive. The key thing to remember is that these numbers are not predictions; they are probability ranges built from history, which may not repeat.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with 0% in bonds, cash, or alternatives. That makes it aggressive compared with a classic “balanced” mix that usually pairs equities with bonds to smooth volatility. Equity‑only portfolios typically experience deeper drawdowns but also higher long‑term growth potential. The absence of defensive assets means short‑term swings will be closely linked to global equity markets. For someone comfortable riding through downturns, this can be reasonable, but it does put more pressure on having a long horizon and a strong stomach during market stress, since there’s no built‑in shock absorber from fixed income.
Sectors
- Technology 30%
- Financials 11%
- Health Care 11%
- Telecommunications 10%
- Consumer Discretionary 10%
- Industrials 9%
- Consumer Staples 9%
- Energy 6%
- Basic Materials 2%
- Utilities 2%
- Real Estate 1%
Sector‑wise, there’s a clear tilt toward technology at about 30%, with the rest spread fairly sensibly across financials, health care, telecom, consumer areas, and industrials. This tech‑heavy stance is typical of US‑centric portfolios and has helped returns in recent years. However, technology and related growth areas can be more sensitive to interest rate changes and shifts in investor sentiment, which may lead to sharper swings at times. The encouraging part is that other sectors like financials, health care, and consumer staples offer some balance. Overall, this sector spread is reasonably diversified and broadly aligned with major equity benchmarks while still leaning into growth.
Regions
- North America 90%
- Europe Developed 4%
- Japan 2%
- Asia Developed 1%
- Asia Emerging 1%
Geographically, around 90% of the exposure is to North America, with only about 10% spread across Europe, Japan, and other developed and emerging markets. This is more US‑tilted than global market indices, where non‑US stocks make up a much larger slice. A strong US focus has been rewarding over the past decade, contributing to solid performance. The flip side is higher “home bias,” meaning results are more tied to one economy, currency, and policy environment. Adding more non‑US exposure can sometimes smooth country‑specific risks, but it also introduces foreign currency swings. As it stands, the portfolio is clearly anchored to the US growth story.
Market capitalization
- Large-cap 43%
- Mega-cap 37%
- Mid-cap 17%
- Small-cap 2%
By market capitalization, the portfolio is dominated by mega‑cap and large‑cap companies, together around 80%, with modest exposure to mid‑caps and very little to small‑caps. Large and mega‑caps tend to be more established firms, which can offer more stability than smaller, more volatile companies. This helps keep overall risk in line with broad benchmarks and avoids the sharper swings that heavy small‑cap tilts can introduce. The relatively small allocation to mid‑ and small‑caps still gives some participation in faster‑growing businesses without driving the whole risk profile. Overall, the market cap mix is mainstream and supports a steady, benchmark‑like behavior.
True holdings
-
NV NVIDIA Corporation 5.26%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 4.72%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.51%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.57%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.21%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.87%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.81%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.80%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.49%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 0.94%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 26.17%
Looking through the ETFs, the biggest underlying exposures cluster in mega‑cap US tech and growth names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, and Tesla. Several of these appear via multiple ETFs, creating hidden concentration even though you only hold four funds. Because overlap is measured using only top‑10 ETF holdings, the actual duplication is likely a bit higher. This matters because big moves in a few large companies can drive a large share of portfolio ups and downs. The upside is that these have been strong long‑term performers, but it does mean performance is quite tied to a relatively small group of very large US companies.
Factors
Factor exposures across value, size, momentum, quality, yield, and low volatility are all in the neutral band, close to the market average of 50%. Factor exposure is basically how much the portfolio leans into certain characteristics that research links to returns, like cheapness (value) or stability (low volatility). Here, no single factor stands out as a large tilt. That’s actually a strength: it suggests the mix behaves similarly to a broad global equity basket without big bets on any specific style. This can help avoid the boom‑and‑bust cycles tied to strong factor tilts, keeping performance more balanced across different market environments.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 60.00% 62.9% -
Schwab U.S. Dividend Equity ETF
Weight: 20.00% 15.7% -
Invesco NASDAQ 100 ETF
Weight: 10.00% 13.0% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 10.00% 8.5%
Risk contribution shows how much each holding drives the overall portfolio volatility, which can differ from plain weights. The 60% S&P 500 ETF contributes about 63% of total risk, roughly in line with its size. The 10% Nasdaq 100 ETF, however, contributes nearly 13% of risk, meaning it’s punchier than its weight due to higher volatility. The dividend and international funds contribute less risk than their allocations suggest, acting as modest stabilizers. With the top three ETFs driving over 90% of risk, most of the portfolio’s behavior hinges on them. This setup is coherent and not extreme, but it highlights how that small growth sleeve has an outsized impact.
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 chart shows the current portfolio sitting on or very close to the efficient frontier. The efficient frontier is the curve of best possible returns for each risk level, using just these holdings in different weights. Your current mix has a Sharpe ratio of 0.66, versus 0.88 for the mathematically optimal blend and 0.83 for the minimum‑variance version. Sharpe ratio measures return per unit of risk above the risk‑free rate, so higher is better. Being this close to the frontier means the allocation is already quite efficient; only minor tweaks in weights could improve risk‑adjusted returns, and there’s no sign of a structurally “wasted” mix.
Dividends
- Invesco NASDAQ 100 ETF 0.50%
- Schwab U.S. Dividend Equity ETF 3.40%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.67%
The blended dividend yield is about 1.67%, driven mainly by the US dividend ETF at 3.4% and the international fund at 2.8%, while the S&P 500 and Nasdaq 100 slices yield less. Dividend yield is the annual cash payout as a percentage of the investment and can be a nice supplement to price returns, especially for income‑minded investors. In this case, the yield is moderate: not a high‑income portfolio, but better than a pure growth basket. The dividend component can also slightly soften drawdowns when prices fall, since you’re still collecting some cash flow along the way.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- Schwab U.S. Dividend Equity ETF 0.06%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.05%
The total expense ratio (TER) across the ETFs averages a very low 0.05%. TER is the annual fee charged by funds, expressed as a percentage of assets — like a small yearly service charge. These costs are impressively low and comparable to the cheapest options in the market. Over long periods, even tiny fee differences compound, so keeping them down supports better net returns. This portfolio is clearly built with cost‑efficiency in mind, which is a real structural advantage. With costs not dragging performance, outcomes are driven mainly by market behavior and asset mix rather than avoidable fee leakage.
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