Growth focused US tilted portfolio with strong factor tilts and efficient but concentrated risk profile

Report created on Mar 22, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is heavily stock-focused, with about half in a broad US large-cap fund and the rest spread across US dividends, US mid/small caps, international stocks, a growth tilt, a semiconductor ETF, and a small slice of bonds and cash. This creates a clear equity-growth profile with a light stabilizing bond anchor. For context, a “growth” setup like this is built to ride stock market upside and accept meaningful swings. The mix here leans strongly into US risk, plus an extra punch from semiconductors and growth. Anyone using a structure like this is essentially choosing long-term growth over short-term stability, and should be ready for sizable drawdowns along the way.

Growth Info

From 2016 to early 2026, a hypothetical $1,000 grew to about $4,225, beating both the US market ($3,758) and global market ($2,995). The CAGR of 16.25% is meaningfully above the US benchmark’s 14.2% and global’s 11.63%. Max drawdown at about -34% is very similar to the benchmarks, so the portfolio has earned higher returns without noticeably higher worst-case historical drops. That’s a strong result for a growth profile. Just 37 days make up 90% of returns, which shows how a few big days drive long-term outcomes, reinforcing why staying invested through volatility has historically mattered a lot.

Projection Info

The Monte Carlo simulation projects the next 10 years by remixing the historical return and volatility profile into 1,000 possible paths. Think of it as running 1,000 alternate futures based on how the portfolio behaved in the past. The median outcome is roughly a 498% cumulative gain, with even the 5th percentile still positive at about 76%. The average simulated annualized return is 15.76%, broadly in line with history. That said, simulations assume the future roughly rhymes with the past, which is never guaranteed. They’re best used as a rough planning tool, not a promise, especially for a portfolio tilted to sectors and factors that have had an unusually strong decade.

Asset classes Info

  • Stocks
    97%
  • Bonds
    2%
  • Cash
    1%

The asset mix is about 97% stocks, 2% bonds, and 1% cash, which is extremely equity-heavy. This kind of allocation maximizes long-term growth potential but offers limited ballast when markets fall. Bonds typically act like shock absorbers, softening the ride during stock downturns and providing dry powder to rebalance. Here, the tiny bond slice means portfolio value will largely move with equities. For someone seeking faster growth and willing to tolerate big swings, this is consistent and intentional. For anyone preferring smoother performance or nearing a spending goal, gradually adding more bonds over time can be a way to dial down volatility without abandoning the overall strategy.

Sectors Info

  • Technology
    31%
  • Financials
    11%
  • Health Care
    10%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Consumer Staples
    6%
  • Energy
    6%
  • Basic Materials
    2%
  • Real Estate
    2%
  • Utilities
    2%

Sector-wise, technology leads at 31%, with meaningful allocations to financials, healthcare, industrials, consumer cyclicals, communication services, and smaller portions in defensives, energy, materials, real estate, and utilities. This is more tech-heavy than a typical broad global benchmark but not unusual for a US-tilted equity portfolio, especially with a semiconductor ETF layered on top. Tech and communication names tend to be more sensitive to interest rates and sentiment about innovation and growth. When those themes are in favor, performance can significantly outpace the market, as seen historically. When they fall out of favor or rates spike, drawdowns can feel sharper, so mentally preparing for that cycle is important.

Regions Info

  • North America
    90%
  • Europe Developed
    3%
  • Asia Developed
    2%
  • Japan
    1%
  • Asia Emerging
    1%

Geographically, around 90% sits in North America, with only small slices in developed Europe, developed Asia, Japan, and emerging Asia. That’s a strong home-country tilt versus a typical global market, where the US is closer to 60% by market cap. This US focus has been a tailwind over the last decade because US stocks, especially large-cap tech, have outperformed most regions. The flip side is higher exposure to US-specific risks such as policy changes, valuation resets, or economic slowdowns. A small but meaningful global slice is still present, so this is not a pure US-only setup, but global diversification could be expanded if reducing single-country dependence becomes a priority.

Market capitalization Info

  • Mega-cap
    33%
  • Large-cap
    33%
  • Mid-cap
    20%
  • Small-cap
    8%
  • Micro-cap
    3%

By size, the portfolio splits roughly a third in mega caps, a third in large caps, and the rest across mid, small, and micro caps. This offers a nice spread across company sizes, with a clear tilt toward the biggest names, which is normal for index-based US portfolios. Mega and large caps typically bring more stability, higher liquidity, and better information flow, while mid and small caps add growth potential and sometimes more cyclical sensitivity. The inclusion of extended market exposure is a positive for diversification across the corporate lifecycle. It means returns won’t be driven solely by the mega names, even though those still dominate the top look-through holdings.

True holdings Info

  • NVIDIA Corporation
    5.54%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
    • VanEck Semiconductor ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Apple Inc
    3.94%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Microsoft Corporation
    2.96%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Amazon.com Inc
    2.07%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Broadcom Inc
    1.99%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
    • VanEck Semiconductor ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Alphabet Inc Class A
    1.84%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Meta Platforms Inc.
    1.48%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Alphabet Inc Class C
    1.47%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Tesla Inc
    1.22%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Texas Instruments Incorporated
    1.03%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
    • VanEck Semiconductor ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Top 10 total 23.55%

Looking through all funds, the biggest underlying exposures cluster in mega-cap US tech and internet names: NVIDIA, Apple, Microsoft, Amazon, Broadcom, Alphabet, Meta, Tesla, and Texas Instruments. These appear across multiple ETFs, so the headline diversification across several funds hides a meaningful overlap in the same companies. This kind of “hidden concentration” is common in US-focused portfolios but still important to recognize. It means portfolio behavior will be very tied to how those few mega-cap growth and semiconductor names perform. Being aware of this overlap helps when thinking about future adjustments, especially if a more balanced driver set of returns is desired.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 22%
Size
Exposure to smaller companies
High
Data availability: 19%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
Very high
Data availability: 31%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 100%

Factor exposure shows strong tilts to yield, value, and size, with decent low volatility and moderate momentum. Factor investing targets characteristics—like cheapness (value), smaller firms (size), or consistent earnings (quality/low vol)—that academic research links to long-term returns. A high yield exposure suggests a leaning toward income-oriented and more mature businesses. Value and size tilts imply added exposure to cheaper and somewhat smaller companies relative to a pure market-cap-weighted blend. These tilts often help during recoveries and periods when growth/mega caps lag, but they can trail during pure “growth mania” phases. Overall, the factor mix is thoughtfully diversified and not dominated by a single style, which is a structural strength.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 50.25%
    49.9%
  • Vanguard Extended Market Index Fund ETF Shares
    Weight: 13.09%
    15.2%
  • Schwab U.S. Dividend Equity ETF
    Weight: 15.29%
    12.7%
  • VanEck Semiconductor ETF
    Weight: 6.29%
    9.6%
  • Schwab U.S. Large-Cap Growth ETF
    Weight: 6.29%
    7.1%
  • Top 5 risk contribution 94.4%

Risk contribution measures how much each holding adds to the portfolio’s overall ups and downs, which can differ from simple weight. The S&P 500 ETF is about half the portfolio and contributes roughly half the risk, which is very balanced. The extended market ETF and the semiconductor ETF contribute more risk than their weights—especially semiconductors, with a risk-to-weight ratio of 1.52. That’s a sign that even a modest allocation to a volatile theme can punch above its weight in driving swings. The top three holdings account for nearly 78% of total risk, which is efficient but concentrated. Adjusting those slices is the main lever for changing how bumpy the ride feels.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    Vanguard S&P 500 ETF
    High correlation

Correlations look high, especially between the large-cap growth ETF and the S&P 500 ETF. Correlation describes how often assets move together; when two holdings are highly correlated, owning both doesn’t reduce risk much in a downturn. Here, most equity pieces are US-focused and growth-leaning, so they’re likely to fall together during broad US equity selloffs. That’s natural in a growth-heavy, equity-first design, but it does limit the cushioning effect diversification can provide in stress periods. The small bond allocation helps a bit, but not enough to offset big equity moves. To materially change correlation patterns, shifting more toward assets that behave differently from US stocks would be required.

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 risk–return chart, the current portfolio sits on the efficient frontier, meaning it’s using its existing building blocks in a mathematically efficient way for its current risk level. The Sharpe ratio of about 0.73 is solid for a growth profile. The frontier also shows that a different mix of these same holdings could, in theory, deliver higher expected return at higher risk, as seen in the optimal and same-risk optimized portfolios. That said, those points imply significantly greater volatility. Since you’re already on the frontier, the core allocation is doing its job well. Any future tweaks could focus less on chasing the mathematical optimum and more on matching volatility and concentration to comfort levels.

Dividends Info

  • Vanguard Total Bond Market Index Fund ETF Shares 3.90%
  • Schwab U.S. Dividend Equity ETF 3.40%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • VanEck Semiconductor ETF 0.30%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Extended Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.60%

The overall yield sits around 1.6%, which is modest but consistent with a growth-oriented, US-heavy equity mix. The dedicated dividend ETF and the bond fund are the main income contributors, with yields in the 3–4% range, while the growth and semiconductor funds pay very little. That blend means total return is expected to come more from price appreciation than from regular income. For someone in an accumulation phase, this is perfectly aligned—reinvested dividends and capital gains together drive compounding. For a future income phase, there’s enough of a dividend foundation to build on, but shifting weights toward higher-yielding holdings would likely be needed to support meaningful cash withdrawals.

Ongoing product costs Info

  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • VanEck Semiconductor ETF 0.35%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Extended Market Index Fund ETF Shares 0.06%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.06%

Average costs are impressively low, with a total expense ratio around 0.06%. Most holdings sit in the 0.03–0.06% range, with only the semiconductor ETF meaningfully higher at 0.35%, which is still reasonable for a targeted thematic fund. Low ongoing fees are a powerful advantage over decades, because every dollar not paid to fund providers stays invested and can compound. This cost structure is firmly in best-practice territory and supports strong net-of-fee performance. From an efficiency standpoint, there’s no obvious drag coming from expenses, so any future refinements can focus on risk, diversification, and alignment with goals rather than worrying about trimming costs further.

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