Growth focused stock portfolio with strong US tilt and balanced mix of dividend and growth styles
Report created on Aug 5, 2026Risk profile
5/7
Diversification profile
3/5
Positions
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SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 41.99% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 37.57% -
SC Schwab U.S. Small-Cap ETF
SCHA - US8085246077 11.05% -
SC Schwab International Equity ETF
SCHF - US8085248057 9.39%
This portfolio is made up of four low-cost equity ETFs, so it is 100% in stocks with no bonds or cash buffers. Roughly 42% is in a US large-cap growth fund, 38% in a US dividend equity fund, 11% in US small caps, and about 9% in international stocks. That creates a blend of high-growth companies, established dividend payers, and smaller firms with higher risk. Being fully in stocks means returns can be strong over time but swings can be sharp along the way. The mix of growth and dividends helps spread risk across different business profiles while still keeping a clear tilt toward capital appreciation rather than income stability.
Growth
From 2016 to mid-2026, a hypothetical $1,000 in this portfolio grew to about $3,965, which is a compound annual growth rate (CAGR) of 14.84%. CAGR is like your average speed on a long road trip, smoothing out bumps along the way. Over this period, performance almost matched the broad US market and clearly beat the global market. The worst drop, or max drawdown, was around -33% during early 2020, very similar to major indices. The recovery in about four months shows the portfolio bounced back in line with markets. Only 36 days made up 90% of returns, highlighting how a small number of strong days drove most of the long-term gains.
Projection
The forward projection uses a Monte Carlo simulation, which is basically running the portfolio’s past risk and return patterns through 1,000 random “what if” market paths. It doesn’t try to predict specific events, just the range of possible outcomes if history rhymed. After 15 years, the median result turns $1,000 into about $2,780, with most scenarios falling between roughly $1,800 and $4,100. There are also more extreme but less likely results, from roughly flat to very strong growth. These numbers are just statistical sketches, not promises. They show that while the odds of a positive outcome are good, there is still a meaningful chance of long flat periods or disappointing returns, even with an equity-heavy portfolio.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with no allocation to bonds, cash, or alternative assets. Stocks historically offer higher growth potential than bonds but also larger ups and downs. Many broad benchmarks mix in bonds to soften volatility, so this allocation is more growth-oriented than a typical “balanced” mix. Being 100% equity simplifies the structure and keeps the focus on long-term capital growth. The trade-off is that there’s no built-in cushion from fixed income during sharp market declines. In practice, this means portfolio value can move closely with equity markets, which can be rewarding over long periods but emotionally demanding during deep or extended drawdowns.
Sectors
- Technology 27%
- Health Care 15%
- Financials 11%
- Consumer Staples 9%
- Industrials 9%
- Consumer Discretionary 9%
- Telecommunications 9%
- Energy 7%
- Basic Materials 2%
- Real Estate 1%
- Utilities 1%
Sector exposure is quite spread out, with technology at 27% and health care at 15% leading the way, followed by financials, consumer staples, industrials, consumer discretionary, and telecom all in mid-single to low-double digits. Smaller slices in energy, materials, real estate, and utilities round out the mix. This layout looks reasonably similar to broad US benchmarks, with a healthy tech presence but not an extreme bet on any single sector. Tech-heavy allocations can benefit when innovation and growth leadership drive markets, but they may see sharper moves when interest rates rise or when sentiment shifts away from high-growth companies. The diversified footprint across defensive and cyclical areas helps smooth those sector-specific shocks.
Regions
- North America 91%
- Europe Developed 5%
- Japan 2%
- Asia Developed 1%
- Australasia 1%
Geographically, the portfolio is heavily tilted toward North America at 91%, with modest exposure to developed Europe and small allocations to Japan, other developed Asia, and Australasia. Broad global indices usually have a lower US share, so this portfolio leans more strongly into the US market than “world” benchmarks. That’s been a tailwind over the last decade as US equities outperformed many other regions. The flip side is that economic, policy, or currency shocks centered on the US will have an outsized impact. The international slice still adds some diversification, but global events that affect multiple developed regions together may not be fully cushioned by this allocation.
Market capitalization
- Large-cap 41%
- Mega-cap 27%
- Mid-cap 19%
- Small-cap 8%
- Micro-cap 4%
By market capitalization, the portfolio is tilted toward larger companies: about 68% in mega- and large-caps, 19% in mid-caps, and the rest in small and micro-caps. Large and mega-cap stocks tend to be more established businesses with deeper liquidity and slightly more stable trading, while mid, small, and micro caps often bring higher volatility and more idiosyncratic risks but potentially stronger growth. This structure is broadly similar to many cap-weighted benchmarks, but with a defined sleeve in US small caps. That small- and micro-cap exposure can increase sensitivity to economic cycles and market stress, even though it’s a minority of the overall allocation. The size mix is therefore growth-oriented but still anchored by big, well-known companies.
True holdings
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AA Apple Inc. 4.46%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
NV NVIDIA Corporation 4.13%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
MS Microsoft Corporation 2.60%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AM Amazon.com Inc 1.99%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class A 1.77%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AB Abbott Laboratories 1.77%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
AM Amgen Inc 1.64%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
MR Merck & Company Inc 1.62%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
KO The Coca-Cola Company 1.61%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
UN UnitedHealth Group Incorporated 1.59%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
- Top 10 total 23.19%
Looking through the ETFs’ top holdings, a handful of large US companies appear prominently, but no single stock dominates the entire portfolio. Apple, NVIDIA, and Microsoft each sit under 5% overall, with Amazon and Alphabet slightly lower. Several high-quality dividend names like Abbott, Amgen, Merck, Coca-Cola, and UnitedHealth also show up. Because only ETF top-10 positions are captured, true overlap is probably higher than reported. Still, the data suggests a cluster around major US blue chips, especially in technology and health-related businesses. This kind of overlap can create “hidden” concentration: even if it looks like four separate ETFs, their biggest positions may move similarly, especially during broad US large-cap market swings.
Factors
Factor exposure is broadly neutral across all six measured factors: value, size, momentum, quality, yield, and low volatility. Factor exposure describes how much the portfolio leans into certain traits that research links to long-term returns, like cheaper valuations (value) or stable earnings (quality). A neutral reading near 50% means the portfolio behaves a lot like the broad market on these dimensions, without strong tilts toward or away from specific styles. This balanced factor profile fits with the mix of market-cap-weighted funds and a blend of growth and dividend strategies. In practice, it implies the portfolio is unlikely to dramatically outperform or lag purely because of factor bets, but will instead move mostly with general equity conditions.
Risk contribution
-
Schwab U.S. Large-Cap Growth ETF
Weight: 41.99% 47.8% -
Schwab U.S. Dividend Equity ETF
Weight: 37.57% 31.6% -
Schwab U.S. Small-Cap ETF
Weight: 11.05% 12.9% -
Schwab International Equity ETF
Weight: 9.39% 7.8%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the large-cap growth ETF is about 42% of assets but contributes almost 48% of total risk, reflecting its more volatile, growth-oriented profile. The dividend ETF is 38% of the portfolio yet only about 32% of risk, showing its relatively steadier behavior. The small-cap ETF, though just 11% by weight, adds nearly 13% of risk, while international equity contributes slightly less risk than its weight. Overall, the top three positions account for over 92% of total risk, meaning portfolio behavior is mostly driven by those core US exposures rather than the smaller international slice.
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 vs. return chart shows the portfolio sitting on or very close to the efficient frontier, which is the curve representing the best possible return for each risk level given the current set of holdings. The Sharpe ratio, a measure of risk-adjusted return comparing excess return to volatility, is 0.64 for the current mix. The mathematically “optimal” mix of these same ETFs has a higher Sharpe of 0.85, but also slightly higher risk and return. The minimum-variance mix offers the lowest risk with a still reasonable Sharpe. Since the current portfolio already lies near the frontier, its overall weighting across the four ETFs is working efficiently, balancing growth and risk well relative to what’s achievable with these ingredients alone.
Dividends
- Schwab U.S. Small-Cap ETF 1.00%
- Schwab U.S. Dividend Equity ETF 3.10%
- Schwab International Equity ETF 3.00%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Weighted yield (per year) 1.72%
The portfolio’s overall dividend yield is about 1.72%, which is modest but meaningfully supported by two higher-yielding pieces: the US dividend ETF around 3.1% and the international equity ETF around 3.0%. The large-cap growth and small-cap funds yield less, which is typical for growth and smaller-company strategies that reinvest more profits. Dividends can provide a steady component of total return and a small buffer during flat or choppy markets, though price movements will still dominate overall performance here. This blend shows a tilt toward growth first, with dividends as a secondary feature, rather than a primarily income-focused approach where yield would be much higher and more central to the strategy.
Ongoing product costs
- Schwab U.S. Small-Cap ETF 0.04%
- Schwab U.S. Dividend Equity ETF 0.06%
- Schwab International Equity ETF 0.06%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Weighted costs total (per year) 0.05%
Costs are impressively low across all four ETFs, with expense ratios (TERs) between 0.04% and 0.06%, and a blended portfolio cost of about 0.05% per year. TER is like a small annual membership fee charged by each fund. For context, many actively managed funds charge several times this level. Low fees mean less performance drag over time and more of the underlying market return ending up in the portfolio. Over long horizons, even small differences in costs compound significantly. Here, the fee structure is a real strength: it supports the growth objective without quietly siphoning off returns, and aligns well with the market-like, factor-neutral design of the holdings.
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