Dividend chaser with a secret tech crush pretending to be diversified but really just hugs the S&P
Report created on Sep 12, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 30.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 25.00% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 25.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 10.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10.00%
This “balanced” portfolio is 100% stocks and 90% U.S., with three big domestic equity funds eating 80% of the pie. It’s basically the S&P 500 in a trench coat, holding a NASDAQ 100 energy drink in one hand and a dividend comfort blanket in the other. The tiny 10% international slice looks more like guilt than conviction. Structurally, this isn’t a carefully engineered mix; it’s three overlapping U.S. core/momentum bets plus a token global garnish. The result is faux diversification: lots of line items, not a lot of genuinely different drivers. It looks busy, but under the hood it’s “US large-cap growth plus vibes.”
Growth
Historically, the portfolio has pulled its weight: $1,000 became $2,336 with a 15.5% CAGR, basically neck‑and‑neck with the U.S. market and slightly ahead of global stocks. So it kept up with the party, but it didn’t exactly show up with extra drinks. Max drawdown of about -24% is right in line with broad equities: when markets hurt, this hurt just as much and took over a year to climb back out. And those returns are driven by just 30 days doing most of the work, which means timing mattered a lot. Past data here is yesterday’s weather: nice to look at, useless for deciding if you need an umbrella tomorrow.
Projection
The Monte Carlo projection basically says, “You’ll probably be fine, but don’t get cocky.” A $1,000 stake most likely crawls to about $2,791 over 15 years, but with a huge spread: in ugly scenarios it barely clears $1,100, in lucky ones it blasts past $8,000. Monte Carlo is just a fancy way of rolling the dice 1,000 times using past volatility and return ranges, then plotting the mess. An 8.38% average annualized return across simulations is solid, but not what your recent 15% CAGR ego might expect. The 75% chance of a positive outcome is good, but it also means one-in-four universes where this experiment feels pretty underwhelming.
Asset classes
- Stocks 100%
Asset classes? That section is easy: it’s all stocks, all the time. For something labeled “balanced,” this is more shot of espresso than half‑caff latte. There’s zero ballast here — no bonds, no cash sleeve, nothing that typically steps in and says, “I got this” when equities faceplant. Being 100% in stocks isn’t automatically bad, it just means every mood swing of the equity market runs straight through the entire portfolio. If volatility picks up, there’s nowhere to hide. This is less a carefully layered asset mix and more a single bet that the stock market solves all problems eventually.
Sectors
- Technology 35%
- Health Care 11%
- Consumer Staples 9%
- Financials 9%
- Telecommunications 9%
- Consumer Discretionary 8%
- Industrials 8%
- Energy 7%
- Basic Materials 2%
- Utilities 1%
- Real Estate 1%
Sector-wise, the portfolio is clearly in a committed relationship with technology: 35% of exposure there, plus extra growth flavor through NASDAQ and momentum. Healthcare, staples, and financials show up, but they’re supporting cast, not co‑stars. At only 1% each, utilities and real estate might as well be watching from the parking lot. Relative to a plain vanilla index, this setup leans into the more excitement‑prone, story‑driven parts of the market and lets the boring shock absorbers stay tiny. That’s great in boom times but makes the portfolio more emotionally synchronized with tech news cycles than with anything resembling economic diversification.
Regions
- North America 90%
- Europe Developed 4%
- Asia Developed 2%
- Japan 2%
- Asia Emerging 1%
Geographically, this is “USA or bust”: 90% in North America and a lonely 10% scattered across the rest of the planet. Europe, Japan, and emerging Asia show up with token single‑digit roles, as if added after someone remembered other continents exist. This kind of home bias is classic: it feels safe because the tickers are familiar, but it also means the portfolio is betting that one region continues to carry the world. If the U.S. stumbles while other markets run, this mix barely notices. For something claiming moderate diversification, the passport here has basically one stamp.
Market capitalization
- Large-cap 45%
- Mega-cap 34%
- Mid-cap 18%
- Small-cap 2%
The market cap breakdown screams “big and comfy”: 79% in mega‑ and large‑caps, with mid‑caps getting a small slice and small‑caps relegated to 2% pocket change. So the portfolio is riding the giants — very recognizable names, very index‑like behavior. That keeps things more stable than a small‑cap circus, but it also means the opportunity set is narrowed to what’s already big and heavily owned. The mix behaves a lot like a mainstream benchmark, just with some extra growth and tech seasoning. There’s no meaningful tilt toward tiny companies where volatility and idiosyncratic payoff might live; you’re basically following the corporate blue‑chip parade.
True holdings
-
NV NVIDIA Corporation 5.02%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc. 3.51%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 2.89%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 2.55%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.02%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.01%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.71%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
MR Merck & Company Inc 1.46%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
AM Amgen Inc 1.44%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
AB Abbott Laboratories 1.39%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
- Top 10 total 24.00%
The look-through is where the overlap comedy starts. NVIDIA at 5%, Apple at 3.5%, Microsoft, Alphabet, Amazon — the usual mega‑cap tech celebrities are all double‑booked across multiple ETFs. You might think you’ve got five distinct funds; in practice you’ve built a fan club for the same handful of names. And remember, this only covers ETF top-10s, so true overlap is almost certainly higher. When the same few stocks show up everywhere, diversification becomes an illusion: if NVIDIA sneezes, multiple parts of the portfolio catch a cold. This is less a diversified chorus and more the same lead singer on every track.
Factors
Factor exposure is almost suspiciously neutral across the board: value, size, momentum, quality, yield, low volatility — all basically hugging “market average.” For a portfolio containing a momentum ETF, a NASDAQ tracker, and a dividend fund, the final blend ends up weirdly bland from a factor perspective. Factor exposure is like the ingredient label on the cereal box; this one reads “pretty normal” despite the spicy packaging. The upside is no major hidden bet on any single style. The downside is the portfolio doesn’t really stand for anything factor-wise — it’s basically checking every box a little and intentionally committing to none.
Risk contribution
-
Invesco NASDAQ 100 ETF
Weight: 25.00% 32.7% -
Vanguard S&P 500 ETF
Weight: 25.00% 25.7% -
Schwab U.S. Dividend Equity ETF
Weight: 30.00% 22.1% -
Invesco S&P 500® Momentum ETF
Weight: 10.00% 11.1% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 10.00% 8.5%
Risk contribution shows who’s actually driving the ride, and NASDAQ 100 is clearly at the wheel: 25% weight but about 33% of total risk. Add the S&P 500 and SCHD, and the top three positions are responsible for over 80% of portfolio volatility. Risk contribution is like figuring out which kids actually started the classroom chaos — and here it’s the big U.S. broad and growth funds making the noise. The dividend ETF interestingly pulls less risk than its weight would suggest, quietly calming things a bit while NASDAQ sprints around. This isn’t a balanced chorus; it’s a couple of loud holdings and some backup singers.
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.
On the efficient frontier chart, this portfolio is basically leaving free money on the table. With a Sharpe ratio of 0.75 versus an optimal 1.06, it’s taking similar risk but getting clearly worse risk‑adjusted returns than it could with the same ingredients. The frontier is just the “best possible mix” line using these existing funds; you’re sitting about 1.9 percentage points below that at your current risk level. Translation: the holdings themselves aren’t the main problem — the weights are. This is like buying good groceries and then cooking them into a very mediocre meal. Everything needed for a better dish is literally already in the kitchen.
Dividends
- Invesco NASDAQ 100 ETF 0.40%
- Schwab U.S. Dividend Equity ETF 3.10%
- Invesco S&P 500® Momentum ETF 0.70%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.50%
- Weighted yield (per year) 1.62%
The yield story is confused: a chunky 30% in a high‑yield dividend ETF, yet the overall portfolio yield limps in at 1.62%. Why? Because the NASDAQ and momentum pieces are basically allergic to paying dividends, and the S&P 500 isn’t exactly generous either. So you’ve stapled a “dividend” label onto what is still primarily a growth and tech‑tilted machine. If someone looked only at that SCHD weight, they’d expect solid income; the actual cash flow is more like “light drizzle.” It’s an odd combo: part income chaser, part dividend‑ignoring growth junkie — they mostly cancel each other out.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- Schwab U.S. Dividend Equity ETF 0.06%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.08%
Costs are the one thing this portfolio absolutely nails. A total TER of 0.08% is impressively low — you’re basically running a full equity circus for the price of a cheap coffee per $10,000 each year. You somehow managed to pick mostly low‑fee, large index-style products instead of wandering into the expensive gimmick aisle. That said, low cost doesn’t magically fix structural overlap or concentration; it just means you’re paying very little for the privilege of owning the same mega‑cap names several times over. Still, credit where it’s due: whoever assembled this at least knows not to tip the house too much.
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