Growth tilted all stock portfolio with strong US focus and low cost building blocks
Report created on May 31, 2024Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 55.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 20.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
VR Vertiv Holdings Co
VRT - US92537N1081 5.00%
The portfolio is a simple four-position, all‑equity setup: a broad US total market core, a sizeable US large‑cap growth sleeve, a broad international equity fund, and a single 5% position in Vertiv. This structure is very growth‑oriented and intentionally light on complexity, using low‑cost index ETFs for almost everything. That kind of “core plus a couple of tilts” approach is popular because it’s easy to understand and maintain. The main takeaway is that nearly all risk and return will be driven by global stock markets, especially US equities, so short‑term ups and downs can be significant even though long‑term growth potential is strong.
Growth
From mid‑2018 to early 2026, $1,000 grew to about $3,581, a compound annual growth rate (CAGR) of 18.16%. CAGR is like your average yearly “speed” over the whole trip, smoothing out bumps. That return clearly beat both the US market and global market indexes by a wide margin, which is a very strong result. The worst peak‑to‑trough drop, or max drawdown, was about ‑35%, similar to broad markets, so downside risk was still real. The main message: the portfolio has historically been rewarded for taking equity risk, but experienced equity‑like pain during sell‑offs, so future expectations should assume similar behavior.
Asset classes
- Stocks 100%
All assets are in stocks, with 0% in bonds, cash, or alternatives. That’s a pure growth stance: historically, stocks offer higher long‑term returns but come with bigger short‑term swings. Many broad benchmarks mix stocks and bonds to smooth the ride, so this 100% equity mix is more aggressive than typical “balanced” allocations. This can work well for long horizons and investors who can stay calm during deep drawdowns, but it’s less suited to anyone needing near‑term stability or withdrawals. A big takeaway is that risk management here cannot rely on asset‑class diversification; it must rely on time horizon, behavior, and possibly external cash reserves.
Sectors
- Technology 29%
- Industrials 15%
- Financials 13%
- Consumer Discretionary 10%
- Telecommunications 10%
- Health Care 9%
- Consumer Staples 4%
- Basic Materials 3%
- Energy 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is fairly diversified but clearly led by technology at about 29%, alongside meaningful allocations to industrials and financials, with smaller slices in areas like utilities and real estate. That tech tilt is consistent with current global equity markets, where tech and related industries have grown very large, so this allocation broadly aligns with modern benchmarks. Tech‑heavy portfolios often shine when innovation and growth stories dominate, but they can be more sensitive when interest rates rise or when investors rotate toward more defensive areas. The sector mix here offers good breadth, yet returns will still be heavily influenced by how the broader tech complex performs.
Regions
- North America 81%
- Europe Developed 7%
- Japan 3%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
Geographically, the portfolio is strongly tilted toward North America at 81%, with modest exposure to developed Europe and Japan and small allocations to other regions. This is more US‑centric than global market indexes, which usually have a larger non‑US share. A home‑country tilt can feel comfortable and has been rewarded in recent years, but it also means outcomes are tied closely to one economy and policy regime. The benefit is familiarity and alignment with the US market; the trade‑off is less diversification across different growth cycles and currencies. Long‑term results will largely follow the fortunes of US equities and the US dollar.
Market capitalization
- Mega-cap 44%
- Large-cap 33%
- Mid-cap 16%
- Small-cap 4%
- Micro-cap 1%
Market capitalization exposure is dominated by mega‑cap and large‑cap stocks, totaling over three‑quarters of the portfolio, with the rest in mid, small, and micro‑caps. That mirrors many broad equity benchmarks where the biggest companies carry the most weight. Large and mega‑caps often bring greater stability, strong balance sheets, and high liquidity, while smaller companies can be more volatile but sometimes deliver higher growth over long stretches. This mix is well‑balanced and aligns closely with global standards, providing broad participation in market returns without extreme bets on very small companies. It should behave much like a typical market‑weighted equity index in size terms.
True holdings
-
NV NVIDIA Corporation 5.70%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 5.23%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
-
MS Microsoft Corporation 3.96%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.78%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.46%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.08%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.94%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.91%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.71%
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
- Top 10 total 32.78%
Looking through the ETFs’ top holdings, there’s meaningful concentration in a handful of mega‑cap growth names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, and Tesla. Because these appear across multiple ETFs, the true exposure to these companies is higher than their presence in any single fund suggests. Vertiv is the only direct single‑stock position and sits outside those overlaps, but the portfolio still leans on a relatively small group of giants to drive a lot of returns. The key takeaway is that big growth names are powerful performance engines, yet they also create hidden concentration if several turn down together.
Factors
Factor exposures across value, size, momentum, quality, yield, and low volatility all sit in the neutral band, basically mirroring the broader market. Factor exposure describes how much a portfolio leans into certain characteristics that research links to long‑term returns, like cheapness (value) or stability (low volatility). Here, there are no pronounced tilts toward or away from any of these traits. That’s actually a strength for investors wanting market‑like behavior rather than specialized factor bets. Performance will mainly reflect overall equity market moves instead of relying on a single style, which can reduce the risk of being badly out of sync if one factor falls out of favor.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 55.00% 53.4% -
Schwab U.S. Large-Cap Growth ETF
Weight: 20.00% 22.4% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 15.9% -
Vertiv Holdings Co
Weight: 5.00% 8.3%
Risk contribution shows how much each position adds to total portfolio volatility, which can differ from its weight. The broad US ETF is 55% of the portfolio and contributes about 53% of risk, so it’s very proportional. The US growth ETF at 20% weight contributes slightly more risk, and Vertiv, at only 5% weight, contributes over 8% of risk, reflecting its higher volatility. The international fund contributes less risk than its weight. Top positions drive over 90% of total risk, which is expected with a concentrated lineup. If desired, risk can be spread more evenly by trimming the more volatile sleeve or the single‑stock exposure.
Redundant positions
-
High correlationSchwab U.S. Large-Cap Growth ETFVanguard Total Stock Market Index Fund ETF Shares
Correlation measures how closely two investments move together; 1.0 means they behave almost identically. The US total market ETF and the US large‑cap growth ETF have a very high correlation of 0.95, so they tend to rise and fall at nearly the same time. That means owning both does not add much diversification; it mainly increases exposure to similar types of companies, especially big US growth names. This isn’t inherently bad if that tilt is intentional, but it’s useful to recognize that “two different tickers” here behave more like one combined US growth engine rather than distinct offsets. True diversification needs lower‑correlated pieces.
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 the current portfolio has a Sharpe ratio of 0.67, below the optimal Sharpe of 1.05 and a bit above the minimum‑risk option. The Sharpe ratio compares excess return to volatility, like measuring how much “reward” you get per unit of “bumpiness.” Being about 1.19 percentage points below the efficient frontier means that, for the same overall risk, different weights among these existing holdings could improve risk‑adjusted returns. No new products are needed; it’s purely about rebalancing the mix. Nudging weights toward the efficient frontier allocation could either lower risk for similar return, or target higher expected return for the same risk level.
Dividends
- Schwab U.S. Large-Cap Growth ETF 0.30%
- Vertiv Holdings Co 0.10%
- Vanguard Total Stock Market Index Fund ETF Shares 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- Weighted yield (per year) 1.32%
The overall dividend yield is about 1.32%, driven mostly by the total US and international stock funds, with the growth ETF and Vertiv contributing very little income. Dividend yield is the annual cash payout as a percentage of price, and here it’s on the lower side for an equity portfolio because of the growth tilt. This is consistent with a focus on companies that reinvest profits rather than pay them out, aiming for capital appreciation over steady income. For investors who don’t need much current cash flow and care more about long‑term growth, this income profile is perfectly reasonable and aligned with the growth classification.
Ongoing product costs
- Schwab U.S. Large-Cap Growth ETF 0.04%
- 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) 0.03%
The total expense ratio (TER) across the ETFs is extremely low, around 0.03%, which is impressively low and supports better long‑term performance. TER is the annual fee charged by a fund, and even small differences compound over decades, much like interest in reverse. Using broad index ETFs with rock‑bottom costs keeps more of the market’s return in the investor’s pocket. This cost structure is well‑aligned with best practices and is a real strength of the portfolio. With such minimal drag from fees, most of the focus can stay on asset mix, risk level, and behavior rather than worrying about expensive products eroding returns.
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