Growth focused stock portfolio with strong US tilt and modest international diversification
Report created on May 9, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 60.00% -
IM iShares Morningstar Mid-Cap Growth ETF
IMCG - US4642883072 20.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00%
This portfolio is a simple three‑ETF, all‑stock setup, heavily tilted to U.S. growth companies. About 60% sits in a large‑cap U.S. growth ETF, 20% in a U.S. mid‑cap growth ETF, and 20% in a broad international equity ETF. That structure makes it very straightforward: no bonds, no alternatives, and no cash assumed in the mix. A concentrated lineup like this is easy to understand and monitor because each holding plays a clear role. The flip side is that all the risk comes from stocks, especially U.S. growth names. So the portfolio’s ups and downs will mostly track global equities, with an extra push from those growth‑oriented U.S. positions.
Growth
From 2016 to 2026, a hypothetical $1,000 in this portfolio grew to about $4,615, which is a compound annual growth rate (CAGR) of 16.62%. CAGR is like your average speed on a long trip, smoothing out all the bumps along the way. Over this period, that return outpaced both the broad U.S. market and the global market by a noticeable margin. The price for that growth was a maximum drawdown of about -33%, meaning the portfolio once fell roughly a third from peak to trough before recovering. This pattern—strong long‑term growth with deep but temporary drops—is typical for an all‑equity, growth‑tilted mix.
Projection
The forward projection uses a Monte Carlo simulation, which basically runs 1,000 “what if” scenarios based on past volatility and returns. It doesn’t try to predict the future exactly; instead, it shows a range of plausible outcomes for a $1,000 investment over 15 years. The median result lands around $2,809, with most simulations falling between about $1,821 and $4,257. There are also more extreme cases on both the low and high ends. These ranges highlight that even with the same starting point and strategy, future paths can vary a lot. It’s a reminder that projections are guides, not guarantees, and real‑world results can still surprise either way.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash, or other asset classes. That’s what drives its classification as growth‑oriented: equities historically have offered higher returns but also larger and more frequent swings in value. Having 100% in stocks means there’s no built‑in “shock absorber” from steadier assets like bonds. When markets are strong, that can boost returns because every dollar participates in the upside. In sharp downturns, however, there’s nothing in the mix that tends to hold steady or rise, so drawdowns can feel more intense. This all‑equity stance is a clear, focused bet on long‑term stock market growth rather than stability.
Sectors
- Technology 36%
- Industrials 12%
- Consumer Discretionary 11%
- Telecommunications 11%
- Financials 10%
- Health Care 8%
- Basic Materials 3%
- Consumer Staples 2%
- Energy 2%
- Real Estate 2%
- Utilities 1%
The portfolio leans heavily toward technology‑related businesses, with tech making up about 36% of sector exposure. That’s a noticeable tilt compared to many broad market benchmarks, where tech is large but usually not quite this dominant. There are also meaningful slices in industrials, consumer discretionary, telecom, and financials, with smaller allocations elsewhere. Sector concentration matters because different areas of the market react differently to things like interest rates, regulation, or economic growth. A tech‑heavy mix often benefits in periods of innovation and low rates but can see sharper drops when sentiment turns or when rates rise. Here, the non‑tech sectors provide some balance, though tech clearly drives a big share of behaviour.
Regions
- North America 81%
- Europe Developed 8%
- Japan 3%
- Asia Emerging 3%
- Asia Developed 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, roughly 81% of the portfolio is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and a modest slice in emerging markets and smaller regions. That U.S. tilt is stronger than a typical global market benchmark, where the U.S. is large but not usually above 80%. This alignment with the U.S. market helps explain the strong historical returns, given how well U.S. stocks have done recently. At the same time, it means portfolio outcomes are closely tied to one main economy and currency. The international ETF does add some diversification across other markets, which may behave differently in various economic or political cycles.
Market capitalization
- Mega-cap 46%
- Mid-cap 26%
- Large-cap 24%
- Small-cap 2%
By market cap, this portfolio is dominated by mega‑ and large‑cap companies, which together make up about 70% of exposure, with mid‑caps adding another 26% and only a small slice in small‑caps. Market capitalization just means the total value of a company’s shares—larger companies often have more diversified businesses and more analyst coverage. This tilt toward bigger names tends to reduce some of the extreme volatility seen in very small companies, but it also means less exposure to potential high‑growth small‑cap stories. The relatively strong mid‑cap presence, though, can add a bit more growth potential and dynamism than a purely mega‑cap‑focused lineup. Overall, the size mix is growth‑oriented yet still anchored in established firms.
True holdings
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NV NVIDIA Corporation 6.59%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AA Apple Inc 5.55%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
MS Microsoft Corporation 4.19%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AM Amazon.com Inc 3.63%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class A 3.05%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AV Broadcom Inc 2.69%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class C 2.42%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
TS Tesla Inc 2.24%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Large-Cap Growth ETF
-
ME Meta Platforms Inc. 2.12%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
LL Eli Lilly and Company 1.70%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Top 10 total 34.18%
Looking through the ETFs, the biggest underlying positions include familiar large growth names like NVIDIA, Apple, Microsoft, Amazon, and Alphabet. Several of these appear in more than one ETF, creating overlap: for example, the combined NVIDIA exposure is about 6.6%, and Apple about 5.6%, even though they don’t appear as direct single‑stock holdings. This kind of duplication is common in growth‑heavy portfolios and means that a handful of large companies can drive a significant chunk of overall returns and risk. It’s worth noting that only top‑10 ETF holdings are captured here, so actual overlap is likely a bit higher than these figures suggest. The result is hidden concentration in a small set of dominant names.
Factors
Across investment factors, this portfolio looks fairly balanced, with most exposures near “neutral,” meaning similar to the broad market. Factor exposure is like checking what characteristics—such as value, momentum, or quality—are embedded under the hood. The two notable tilts here are low value and low yield: value is at 33% and yield at 37%, both below a neutral 50% level. That lines up with the growth focus, as growth companies often reinvest earnings instead of being cheap on valuation or paying high dividends. Neutral readings on size, momentum, quality, and low volatility suggest the portfolio doesn’t strongly lean into or away from those traits, so its behaviour is mainly shaped by its growth orientation rather than by specialized factor bets.
Risk contribution
-
Schwab U.S. Large-Cap Growth ETF
Weight: 60.00% 65.1% -
iShares Morningstar Mid-Cap Growth ETF
Weight: 20.00% 19.9% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 15.0%
Risk contribution shows how much each ETF adds to overall ups and downs, which can differ from its weight. Here, the large‑cap growth ETF is 60% of the portfolio but contributes about 65% of the risk, so it slightly dominates volatility. The mid‑cap growth ETF’s risk share roughly matches its 20% weight, while the international ETF contributes less risk than its 20% allocation might imply. This pattern suggests that U.S. large‑cap growth is the main driver of portfolio swings, while the international sleeve has a somewhat diversifying effect. Even though there are only three positions, their risk contributions are not perfectly proportional, highlighting how volatility and correlation matter beyond simple weights.
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 this portfolio sitting on or very close to the efficient frontier, which is the curve representing the best possible return for each level of risk using these same holdings. The Sharpe ratio—return earned per unit of risk—of 0.67 for the current mix is solid, though an alternative weighting of these three ETFs could, in theory, push it to 0.86 with slightly higher risk and return. A lower‑risk combination is also possible with a weaker Sharpe ratio. Since the current portfolio already lies near the frontier, the existing allocation is considered efficient: within this specific lineup of ETFs, it’s making good use of the available diversification without obvious risk‑return inefficiencies.
Dividends
- iShares Morningstar Mid-Cap Growth ETF 0.70%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 0.92%
The overall dividend yield for this portfolio is about 0.92%, which is modest compared with many broad equity income strategies. Yield just measures the cash payouts from dividends relative to the portfolio’s value. The U.S. growth ETFs have especially low yields, at around 0.4–0.7%, reflecting their focus on companies that often reinvest profits instead of paying them out. The international ETF is higher at roughly 2.7%, boosting the total yield somewhat. In practice, this means most of the portfolio’s historical and potential future returns are expected to come from price changes rather than regular cash income, which is typical for growth‑oriented equity mixes.
Ongoing product costs
- iShares Morningstar Mid-Cap Growth ETF 0.06%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.05%
The total ongoing cost for this portfolio, measured by the weighted average Total Expense Ratio (TER), is about 0.05% per year. TER captures the fund‑level fees charged by ETFs to cover their running costs. This level is impressively low and compares favourably with many other equity funds, which often sit well above 0.1–0.2%. Over time, lower costs mean more of the portfolio’s returns stay in the investor’s hands instead of being eaten up by fees. In long‑term compounding, even small fee differences can add up. Here, the cost structure is a clear strength and aligns well with best practices for keeping friction low in a simple, index‑based growth portfolio.
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