Moderately diversified stock heavy portfolio with strong income tilt and a cautious overall risk rating

Report created on Apr 18, 2026

Risk 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

This portfolio is mainly an equity mix with a clear core‑satellite structure. Two broad stock index funds anchor it: a total US stock ETF at 35% and a total international ETF at 15%, giving a 50% global core. Around that sit more specialized US large‑cap growth and dividend funds plus an equity premium income ETF and a Schwab strategic bond ETF. A small allocation to gold adds a non‑stock component. This layout combines broad market coverage with a few targeted strategies for growth and income. Structurally, it lines up well with a “mostly stocks with some ballast” approach while still staying relatively simple with only seven holdings.

Growth Info

Over the period shown, $1,000 grew to about $1,592, implying a compound annual growth rate (CAGR) of 18.36%. CAGR is the “average speed” of growth per year, smoothing out the bumps along the way. This trailed both the US and global market benchmarks by around 1 percentage point per year, but with a smaller maximum drawdown of -15.22% versus lows near -19% and -17% for the benchmarks. That means the portfolio fell less in its worst period. The fact that 90% of returns came from just 22 days underlines how a handful of strong days drive long‑term results, so being consistently invested mattered more than timing individual moves over this span.

Projection Info

The Monte Carlo projection uses thousands of random paths based on historical behavior to estimate what could happen over 15 years, not what will happen. Here, the median outcome turns $1,000 into about $2,616, equivalent to roughly 7.4% per year across all simulations. The “likely range” runs from about $1,845 to $3,830, showing that outcomes cluster but still vary widely. The very broad possible range, from roughly $1,070 to $6,677, highlights uncertainty: even with the same starting point, future paths can diverge a lot. Importantly, three‑quarters of simulations end positive, but some still finish only slightly above or near the starting level, reminding that projections are scenarios, not guarantees.

Asset classes Info

  • Stocks
    84%
  • Bonds
    10%
  • Other
    5%
  • Not classified
    1%

Asset‑class wise, the portfolio is 84% stocks, 10% bonds, 5% “other” (largely gold) and 1% not classified. That’s clearly equity‑dominated, with a modest bond slice and a small diversifier bucket. Compared with broad global mixes that often hold more bonds, this structure skews more toward growth potential and market sensitivity, while still having some fixed income to damp volatility. The gold component sits in “other” and can behave differently from both stocks and bonds, sometimes cushioning periods of stress. Overall, this is a stock‑heavy allocation that still acknowledges diversification across asset classes, which aligns reasonably with its “cautious” label given the presence of bonds and alternatives.

Sectors Info

  • Technology
    23%
  • Financials
    11%
  • Health Care
    9%
  • Industrials
    9%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Consumer Staples
    6%
  • Energy
    4%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is led by technology at 23%, followed by financials, health care, industrials, and consumer discretionary all around the high single‑digit range. Telecom, staples, energy, materials, utilities, and real estate round out smaller slices. This looks fairly close to a broad global equity profile, with a noticeable but not extreme tech lean. Tech‑heavier portfolios often ride strong growth trends but can be more sensitive to interest rate changes and shifts in market sentiment about innovation‑driven companies. Here, the presence of meaningful weights in defensive areas like consumer staples and utilities, plus financials and health care, helps balance that growth tilt. The sector spread is well‑balanced and aligns closely with global standards.

Regions Info

  • North America
    71%
  • Europe Developed
    6%
  • Japan
    2%
  • Asia Developed
    2%
  • Asia Emerging
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 71% of exposure is in North America, with the rest spread across developed Europe, Japan, developed and emerging Asia, Australasia, and a small stake in Africa/Middle East. That’s a clear US‑centric tilt, which is common because US markets make up a large share of global equity value. However, relative to global indices, this is still somewhat more US‑heavy. Concentration in one region means economic, regulatory, and currency conditions there have an outsized influence. The international sleeve, though smaller, still provides exposure to different growth drivers, monetary policies, and currencies, which can smooth returns when regions perform differently. This regional mix is broadly diversified but distinctly North America‑led.

Market capitalization Info

  • Mega-cap
    33%
  • Large-cap
    31%
  • Mid-cap
    15%
  • No data
    5%
  • Small-cap
    3%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

By market capitalization, the portfolio leans hard into larger companies, with roughly 33% in mega‑caps and 31% in large‑caps, then smaller slices in mid‑caps, small‑caps, and micro‑caps. That’s typical for cap‑weighted index funds, where the biggest companies naturally dominate. Larger firms usually have more stable earnings, stronger balance sheets, and more diversified businesses, which can reduce volatility compared to portfolios packed with smaller, more speculative names. The presence of some mid‑ and small‑cap exposure still brings in a bit of extra growth potential and diversification because these companies often behave differently across cycles. Overall, this is a large‑cap‑anchored profile with a modest tail into smaller companies.

True holdings Info

  • NVIDIA Corporation
    4.03%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    3.55%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    2.64%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    2.19%
    Part of fund(s):
    • JPMorgan Equity Premium Income ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    1.67%
    Part of fund(s):
    • JPMorgan Equity Premium Income ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    1.66%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    1.32%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    1.25%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    1.09%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.52%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Top 10 total 19.91%

Looking through ETF top‑10 holdings, a notable chunk of exposure clusters in a handful of very large names: NVIDIA, Apple, Microsoft, Amazon, Broadcom, Alphabet (both share classes), Meta, Tesla, and TSMC. These companies appear across multiple funds, so even without direct single‑stock positions, their combined weights add up: for example, NVIDIA totals just over 4%, Apple about 3.5%, and Microsoft about 2.6% of the portfolio. Because only ETF top‑10s are used, actual overlap is likely higher than shown. This kind of hidden concentration is common in index‑heavy portfolios and means the performance of a small group of mega‑cap leaders can have an outsized impact on overall results, especially during tech‑driven market swings.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 85%
Size
Exposure to smaller companies
Neutral
Data availability: 95%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 85%
Quality
Preference for financially healthy companies
Neutral
Data availability: 85%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 90%

Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.

Factor exposure is generally close to neutral across value, size, momentum, quality, and yield, meaning it behaves broadly like the overall market on those dimensions. The standout tilt is toward low volatility, which shows up as a “high” exposure. Factor investing looks at characteristics like these as the underlying “ingredients” driving returns. A low‑volatility tilt means the holdings, on average, have tended historically to move less dramatically day‑to‑day. Portfolios with this lean often hold steadier, especially in rough markets, though they can lag when very speculative areas rally hard. The combination of neutral factor tilts with a mild low‑volatility bias supports a smoother ride while still participating in general equity market trends.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 35.00%
    42.8%
  • Schwab U.S. Large-Cap Growth ETF
    Weight: 15.00%
    21.6%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 15.00%
    15.2%
  • Schwab U.S. Dividend Equity ETF
    Weight: 10.00%
    7.7%
  • JPMorgan Equity Premium Income ETF
    Weight: 10.00%
    7.4%
  • Top 5 risk contribution 94.7%

Risk contribution shows how much each position drives the portfolio’s ups and downs, which can differ a lot from simple weight. Here, the total US stock ETF at 35% weight contributes about 43% of overall risk, while the US large‑cap growth ETF at 15% weight adds around 22% of risk. The international ETF, also at 15%, contributes roughly its weight in risk. Together, those top three positions drive nearly 80% of portfolio risk, even though they’re 65% of assets. The income‑oriented and dividend funds add proportionally less risk relative to their sizes. This pattern is typical: broad, growth‑tilted equity exposures dominate volatility, while income and defensive strategies play more of a stabilizing role.

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 efficient frontier analysis compares this portfolio’s risk/return mix with the best possible combinations of its existing holdings. The current portfolio shows a Sharpe ratio of 1.08, while the optimal mix of the same funds reaches 1.98 at similar risk, and the minimum‑variance mix has a Sharpe of 1.58 at much lower volatility. A Sharpe ratio simply compares excess return to volatility, like measuring how much return you get per unit of bumpiness. Being about 8 percentage points below the frontier at the current risk level indicates the same ingredients could, in theory, be combined in a way that delivers higher expected return or lower risk using only reweighting, without needing any new funds.

Dividends Info

  • JPMorgan Equity Premium Income ETF 8.30%
  • Schwab U.S. Dividend Equity ETF 3.40%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Schwab Strategic Trust 6.90%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 2.72%

The portfolio’s total dividend yield is about 2.72%, combining several very different income profiles. The JPMorgan equity premium income ETF and the Schwab strategic fund show high yields above 6%, while the US growth ETF yields just 0.4%, reflecting its focus on companies that reinvest earnings. Dividends can be a meaningful part of total return, especially when reinvested, but they’re only one piece of the picture; price changes and option‑writing strategies also drive outcomes. This blend of high‑yield and low‑yield components creates a middle‑of‑the‑road overall yield that’s higher than broad US growth indices, helping to provide some ongoing cash flow without relying solely on the most income‑focused holdings.

Ongoing product costs Info

  • iShares Gold Trust 0.25%
  • JPMorgan Equity Premium Income ETF 0.35%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Schwab Strategic Trust 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.08%

Costs are impressively low. The weighted total expense ratio (TER) is about 0.08%, meaning you’re paying roughly $0.80 per year for every $1,000 invested in fund fees. TER is like a small annual membership fee charged by each ETF. Most holdings are very low‑cost index or strategic ETFs, with only modestly higher fees on the income and gold funds. Over long periods, even tiny fee differences compound, so starting from a low base can meaningfully improve net returns versus similar but more expensive products. This cost profile is a real strength of the portfolio structure and supports better long‑term performance by leaving more of the gross return in the investor’s hands each year.

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