Growth focused dividend tilted portfolio with strong quality bias and moderate diversification

Report created on Mar 19, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is almost entirely in equities, with about 98% in stocks and roughly 2% in ultra-short Treasuries. The biggest pieces are a U.S. dividend ETF and a broad international ETF at about 20% each, followed by a total U.S. market ETF and a concentrated technology ETF. There are a few focused positions in a REIT, a railway stock, and a growth-heavy Nasdaq ETF. This structure mixes broad “core” building blocks with some deliberate tilts toward income, growth, and tech. For a balanced risk profile, it’s an equity-leaning stance, so it suits someone comfortable with stock market swings in exchange for higher growth potential.

Growth Info

Historically, the portfolio has delivered a very strong compound annual growth rate (CAGR) of about 20.8%. CAGR is the “per year” pace of growth, like average speed on a long drive. A max drawdown around -17% means the worst peak-to-trough decline was meaningful but much smaller than many all‑stock portfolios in big crashes. Only 21 trading days made up 90% of the gains, which shows returns were concentrated in a handful of strong days. That pattern is common in equity-heavy portfolios and underlines why staying invested through volatility often matters more than trying to time in and out.

Projection Info

The Monte Carlo analysis runs 1,000 simulations using historical return and volatility patterns to project a range of future outcomes. Think of it as replaying market history with the numbers shuffled to see many possible paths, not one forecast. The median result (about 1,058% of today’s value) suggests very strong potential growth if similar conditions persist, while even the 5th percentile outcome is still positive. However, Monte Carlo is only as good as the assumptions and past data it uses. Markets can behave differently in the future, so these outputs are best viewed as scenario ranges, not promises.

Asset classes Info

  • Stocks
    98%
  • Cash
    2%

With 98% in stocks, 2% in cash-like Treasuries, and effectively no bonds, the portfolio is firmly in the growth camp despite a “balanced” risk label. Stocks historically offer higher long‑term returns than bonds but with sharper ups and downs. The tiny allocation to ultra‑short Treasuries acts more like a parking place for cash than a real stabilizer. Compared with classic balanced mixes that might hold 40% or more in bonds, this setup leans much more toward capital appreciation than capital preservation. Someone who wants smoother ride and smaller drawdowns might consider gradually adding true bond exposure over time.

Sectors Info

  • Technology
    31%
  • Industrials
    11%
  • Real Estate
    9%
  • Financials
    9%
  • Health Care
    8%
  • Consumer Discretionary
    7%
  • Consumer Staples
    7%
  • Telecommunications
    6%
  • Energy
    6%
  • Basic Materials
    2%
  • Utilities
    1%

Sector-wise, technology is the clear standout at about 31%, with meaningful allocations to industrials, real estate, financials, healthcare, and both consumer sectors. This tech tilt is stronger than in broad global benchmarks, which naturally boosts growth potential but also sensitivity to interest rates and innovation cycles. Real estate and dividend-heavy sectors add some ballast and income, helping offset pure growth exposure. This sector mix is well thought out for someone who believes in long-term tech leadership but still wants exposure to more stable, cash-generating businesses. Just know that sharp tech selloffs will be very visible in overall performance.

Regions Info

  • North America
    79%
  • Europe Developed
    8%
  • Japan
    3%
  • Asia Emerging
    3%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, about 79% is in North America, with the rest spread across developed Europe, Japan, other developed Asia, emerging Asia, and small slices in other regions. This is a classic U.S.-anchored allocation and actually lines up closely with many global market-cap benchmarks, which heavily weight North America. That alignment is a positive: it means you’re not making an extreme regional bet. The non‑U.S. exposure provides some currency diversification and access to different economic cycles, even if it’s not the dominant driver. Over the long run, this blend can help smooth out country-specific shocks while still tapping into U.S. market strength.

Market capitalization Info

  • Large-cap
    43%
  • Mega-cap
    33%
  • Mid-cap
    17%
  • Small-cap
    4%
  • Micro-cap
    1%

The portfolio leans hard into larger companies, with about 33% in mega caps and 43% in big caps. Mid caps around 17% and small/micro at about 5% together provide only a light tilt into smaller firms. Large and mega caps tend to be more stable, diversified businesses with deeper liquidity, which usually reduces company-specific blowups. Smaller companies can offer higher growth but also higher volatility and more dramatic drawdowns. This size profile is fairly close to typical broad-market indexes, which is a strength for diversification and reliability. It means your results will track overall equity markets reasonably well.

True holdings Info

  • Realty Income Corporation
    8.09%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
    Direct holding 8.07%
  • NVIDIA Corporation
    5.15%
    Part of fund(s):
    • Goldman Sachs S&P 500 Core Premium Income ETF
    • Invesco QQQ Trust
    • Schwab U.S. Broad Market ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    4.64%
    Part of fund(s):
    • Goldman Sachs S&P 500 Core Premium Income ETF
    • Invesco QQQ Trust
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    3.31%
    Part of fund(s):
    • Goldman Sachs S&P 500 Core Premium Income ETF
    • Invesco QQQ Trust
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Canadian National Railway Company
    2.97%
  • Broadcom Inc
    1.52%
    Part of fund(s):
    • Goldman Sachs S&P 500 Core Premium Income ETF
    • Invesco QQQ Trust
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    1.24%
    Part of fund(s):
    • Goldman Sachs S&P 500 Core Premium Income ETF
    • Invesco QQQ Trust
    • Schwab U.S. Broad Market ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    1.21%
    Part of fund(s):
    • Goldman Sachs S&P 500 Core Premium Income ETF
    • Invesco QQQ Trust
    • Schwab U.S. Broad Market ETF
    • Vanguard Communication Services Index Fund ETF Shares
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Chevron Corp
    1.04%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Dividend Equity ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Cisco Systems Inc
    1.03%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Dividend Equity ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 30.20%

Looking through the ETFs, coverage of underlying holdings is solid at 84%, so you get a reasonably clear picture of what you own. Realty Income and Canadian National Railway show up both directly and, in Realty Income’s case, very slightly via ETFs, but hidden overlap is limited there. The larger overlaps come from big U.S. tech names like NVIDIA, Apple, and Microsoft, which are held across multiple index and growth funds. This creates more dependence on a handful of mega-cap companies even if single-name weights appear modest. It’s not inherently bad, but it does mean performance and risk will be strongly tied to those leaders.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 45%
Size
Exposure to smaller companies
Neutral
Data availability: 28%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Very high
Data availability: 11%
Yield
Preference for dividend-paying stocks
Very high
Data availability: 34%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 96%

Factor exposure shows strong tilts to yield, quality, and low volatility, with moderate support from value, size, and momentum. Factors are like the underlying “personality traits” of your holdings—things like cheapness (value), stability (low volatility), or trend-following (momentum) that research links to long-term returns. A high quality and low-vol tilt usually means profitable, financially sound companies that hold up better in downturns. Strong yield exposure reflects a clear income bias. Together, these tilts suggest the portfolio may be more resilient in choppy markets while still participating in rallies, especially when dividend payers and stable businesses are in favor.

Risk contribution Info

  • Vanguard Information Technology Index Fund ETF Shares
    Weight: 13.15%
    20.4%
  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 17.10%
    19.2%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 20.20%
    18.2%
  • Schwab U.S. Dividend Equity ETF
    Weight: 20.21%
    15.3%
  • Invesco QQQ Trust
    Weight: 7.08%
    9.4%
  • Top 5 risk contribution %

Risk contribution measures how much each holding drives total ups and downs, which can differ from its weight. Your top three positions by weight—Vanguard IT, Total Stock Market, and Total International—account for about 58% of portfolio risk. The tech ETF is only 13% of assets but contributes over 20% of risk, meaning it punches above its weight. The dividend ETF and international fund, by contrast, contribute slightly less risk than their size would suggest. This pattern is normal for growth and tech tilts, but if you’d like smoother behavior, gradually trimming high risk-to-weight positions could help align risk with your comfort zone.

Redundant positions Info

  • Goldman Sachs S&P 500 Core Premium Income ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation
  • Vanguard Information Technology Index Fund ETF Shares
    Invesco QQQ Trust
    Vanguard Growth Index Fund ETF Shares
    High correlation

Correlation describes how investments move together—1.0 means they move in lockstep, 0 means they move independently. Highly correlated assets don’t add much diversification because they tend to rise and fall at the same time. Here, the Goldman Sachs premium income ETF is highly correlated with the total U.S. market fund, and the tech, growth, and QQQ positions form another tight cluster. That means you hold multiple vehicles expressing very similar exposures. This isn’t automatically a problem, but consolidating within each cluster could simplify the portfolio while keeping the same broad bets, freeing space for genuinely different risk drivers if desired.

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.

In risk–return terms, the portfolio is equity-heavy but has historically earned that risk with strong returns. The efficient frontier is the curve showing the best possible return for each risk level using only your current ingredients. The presence of multiple near-duplicate exposures (e.g., overlapping U.S. growth and tech funds) suggests you’re likely a bit below that frontier, meaning a different mix of the same holdings could deliver a better risk/return trade‑off. Shifting weight from concentrated, high-vol positions toward broader, lower-vol ones—without changing the overall stock/bond split—could nudge you closer to an “optimal” point for the same risk level.

Dividends Info

  • Canadian National Railway Company 1.90%
  • Goldman Sachs S&P 500 Core Premium Income ETF 8.50%
  • Realty Income Corporation 5.10%
  • Invesco QQQ Trust 0.50%
  • Schwab U.S. Dividend Equity ETF 3.40%
  • iShares® 0-3 Month Treasury Bond ETF 4.00%
  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Vanguard Total International Stock Index Fund ETF Shares 3.10%
  • Weighted yield (per year) 2.38%

The overall dividend yield is around 2.4%, which is a nice middle ground between pure income and pure growth. Higher-yield holdings like the Goldman Sachs premium income ETF, Realty Income, and the short-term Treasury ETF provide steady cash flow, while broad market and growth funds contribute lower, but still meaningful, dividends. For long-term investors, dividends can be powerful when reinvested, as they steadily buy more shares regardless of price swings. For someone closer to drawing income, this yield offers a starting point that could be supplemented later without having to overhaul the entire allocation toward high-yield, higher-risk corners.

Ongoing product costs Info

  • Goldman Sachs S&P 500 Core Premium Income ETF 0.29%
  • Invesco QQQ Trust 0.20%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.07%

Costs are impressively low, with a total expense ratio around 0.07%. That’s firmly in “best practice” territory and a real strength of this setup. Expense ratios are the ongoing fees charged by funds; saving even a few tenths of a percent each year can mean tens of thousands more over decades as compounding works in your favor. The highest-fee holdings are still modestly priced for their category, and the core building blocks are ultra‑cheap index ETFs. From a cost perspective, you’re absolutely on the right track, and there’s no pressing need to chase marginally lower expenses at the risk of losing diversification.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

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