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Growth focused equity portfolio with a strong US tilt and blend of dividends and technology

Report created on May 9, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is fully invested in equity ETFs, with a clear core‑satellite structure. The 40% position in a global all‑world ETF acts as a diversified core, while three US growth and tech funds plus a US dividend ETF form satellites around it. The US dividend ETF is the largest satellite at 35%, giving a noticeable income and value flavor. The remaining growth and technology ETFs add a targeted tilt toward faster‑growing companies and innovative industries. Structurally, this means the portfolio behaves more like an equity growth strategy with a quality and dividend overlay than a pure index tracker. The mix combines broad diversification from the core with more focused exposures from the satellites.

Growth Info

From late 2020 to early May 2026, a hypothetical $1,000 in this portfolio grew to $2,115. That works out to a 27.34% compound annual growth rate (CAGR), which is the average yearly “speed” of growth over the whole period. This slightly lagged the US market benchmark but outpaced the global market, suggesting the combination of all‑world exposure and tilts toward US dividends and growth has been competitive overall. The maximum drawdown of -23.45%—the biggest peak‑to‑trough fall—was similar to broad market declines, and it took about 15 months to fully recover. Only 14 days account for 90% of returns, underlining how a few strong days can drive long‑term results and why missing them can matter.

Projection Info

The Monte Carlo projection looks forward 15 years by simulating 1,000 different paths for returns using the portfolio’s historical risk and return patterns. It’s a bit like running many alternate “weather forecasts” for markets, then summarizing the range. The median outcome turns $1,000 into about $2,729, with a wide middle range between roughly $1,665 and $4,231. There’s also a 71.5% chance of ending above the starting $1,000. Importantly, this is not a promise: simulations assume that the future behaves statistically like the past, which is never guaranteed. The results mainly show that outcomes can vary a lot, but the distribution is skewed more toward growth than loss over this timeframe.

Asset classes Info

  • Stocks
    60%
  • No data
    40%

All visible holdings are in stock ETFs, so the portfolio is effectively 100% equities in practice, though the data table shows 60% “stocks” and 40% “no data.” That “no data” bucket simply reflects missing classifications, not necessarily different assets, so it’s best not to read too much into it. A fully equity‑driven structure generally means higher long‑term growth potential but also sharper ups and downs than a mix including bonds or cash. Within equities, the blend of a total‑world core plus US dividend, growth, and tech satellites provides diversification by strategy rather than by asset class. That keeps the portfolio squarely in the “growth‑oriented equity” category from an asset‑class perspective.

Sectors Info

  • Technology
    21%
  • Health Care
    8%
  • Consumer Staples
    8%
  • Energy
    6%
  • Telecommunications
    5%
  • Consumer Discretionary
    5%
  • Financials
    4%
  • Industrials
    4%

Sector data shows notable exposure to technology at 21%, with health care and consumer staples both at 8%, energy at 6%, and smaller slices in telecoms, consumer discretionary, financials, and industrials. This spread suggests the portfolio is not locked into a single sector story, even though the tech tilt is visible. Tech‑heavy areas often benefit during periods of innovation and falling interest rates, but they can be more sensitive when rates rise or sentiment turns risk‑off. At the same time, allocations to areas like consumer staples and health care add a more defensive flavor, since these sectors tend to be tied to everyday spending and essential services. That mix helps balance growth with some resilience.

Regions Info

  • North America
    60%

The geographic breakdown shows around 60% in North America, with the remainder spread across other regions via the global ETF, even though only North America is explicitly listed. This creates a clear US and Canadian tilt relative to a purely global equity benchmark, where North America is still large but not overwhelmingly dominant. A strong North American focus can be beneficial when that region’s companies and currency are performing well. It also means portfolio outcomes are more closely tied to North American economic conditions, policy changes, and sector trends. The global all‑world core does help anchor the portfolio to broader global equity markets, adding some diversification beyond the home region.

Market capitalization Info

  • Large-cap
    32%
  • Mega-cap
    14%
  • Mid-cap
    11%
  • Small-cap
    2%
  • Micro-cap
    1%

By market capitalization, the portfolio leans toward larger companies: 32% in large‑cap and 14% in mega‑cap names, with smaller portions in mid‑cap (11%), small‑cap (2%), and micro‑cap (1%). Large‑ and mega‑cap stocks tend to be more established businesses with deep liquidity and more analyst coverage. They often move more closely with major indices and can feel more stable than smaller names, especially in stressed markets. The modest allocation to mid‑ and smaller caps introduces some extra growth potential and idiosyncratic behavior without dominating overall risk. Overall, this pattern aligns well with many broad equity benchmarks, which are naturally weighted toward larger companies by design.

True holdings Info

  • NVIDIA Corporation
    2.93%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Information Technology Index Fund ETF Shares
  • Apple Inc
    2.50%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Information Technology Index Fund ETF Shares
  • Texas Instruments Incorporated
    1.94%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • Qualcomm Incorporated
    1.79%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • Microsoft Corporation
    1.79%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Information Technology Index Fund ETF Shares
  • UnitedHealth Group Incorporated
    1.75%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • Chevron Corp
    1.45%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • The Coca-Cola Company
    1.41%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • ConocoPhillips
    1.36%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • PepsiCo Inc
    1.32%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • Top 10 total 18.24%

Looking through to the top holdings across the ETFs, several big names appear as key drivers: NVIDIA, Apple, Microsoft, Qualcomm, Texas Instruments, and large defensive names like Coca‑Cola and PepsiCo. Each of these sits around 1–3% of total portfolio exposure, based only on ETF top‑10 data. This reveals a blend of high‑growth technology, stable consumer brands, and energy majors such as Chevron and ConocoPhillips. Some companies show up in multiple funds, creating overlap that can raise effective concentration even when individual weights seem modest. Because only ETF top‑10 positions are captured, actual overlap is likely understated, but the list still highlights a strong tilt toward large, well‑known US blue chips and tech leaders.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 55%
Size
Exposure to smaller companies
Low
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 20%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 60%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 60%

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 shows high tilts toward value (63%), momentum (75%), and low volatility (69%), with size at 35% and yield near neutral at 60%. Factors are like underlying “ingredients” that explain return patterns over time. A high momentum tilt means the portfolio leans toward stocks that have been trending strongly, which can help in rising markets but can feel sharper during reversals. The elevated value tilt suggests a preference for companies judged cheaper relative to fundamentals, often linked to the dividend ETF. High low‑volatility exposure points to a bias toward stocks with historically smaller price swings. The combination implies a growth‑oriented portfolio that still embeds some defensive characteristics and valuations discipline, rather than pure high‑octane growth.

Risk contribution Info

  • Vanguard Funds Public Limited Company - Vanguard FTSE All-World UCITS ETF
    Weight: 40.00%
    38.5%
  • Schwab U.S. Dividend Equity ETF
    Weight: 35.00%
    28.1%
  • Schwab U.S. Large-Cap Growth ETF
    Weight: 13.00%
    17.2%
  • Invesco NASDAQ 100 ETF
    Weight: 7.00%
    9.2%
  • Vanguard Information Technology Index Fund ETF Shares
    Weight: 5.00%
    7.0%

Risk contribution shows how much each ETF drives overall ups and downs, which can differ from simple weights. The global all‑world ETF is 40% of the portfolio and contributes about 38.5% of total risk, roughly in line with its size. The US dividend ETF at 35% weight contributes only 28.1% of risk, meaning it’s slightly stabilizing relative to its share. In contrast, the US large‑cap growth, NASDAQ 100, and tech ETFs together make up 25% by weight but about 33% of risk. That’s reflected in risk/weight ratios above 1.3–1.4. The top three holdings alone contribute nearly 84% of risk, so most volatility comes from a relatively small set of positions.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    Vanguard Information Technology Index Fund ETF Shares
    Invesco NASDAQ 100 ETF
    High correlation

Correlation looks at how closely funds move together; highly correlated assets tend to rise and fall in similar ways. Here, the NASDAQ 100 ETF, the US large‑cap growth ETF, and the tech sector ETF move almost identically to one another. That’s not surprising, since they all focus on large, growth‑oriented companies with heavy tech exposure. When those areas do well, this alignment can amplify gains; when they struggle, several positions may decline at the same time. Because correlation limits diversification benefits during downturns, the diversification value mainly comes from the global all‑world core and the US dividend ETF, which have broader and somewhat different exposures from the concentrated growth‑tech trio.

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 the current mix to all other possible weightings using the same ETFs. The current portfolio has a Sharpe ratio of 1.16, while the optimal portfolio (best risk‑adjusted return) sits at 1.36, and the minimum‑risk mix at 1.31. The Sharpe ratio measures how much excess return the portfolio earns per unit of volatility, using a 4% risk‑free rate as a baseline. The report notes that the current allocation is on or very near the efficient frontier, meaning it already trades off risk and return effectively given the available building blocks. In other words, reweighting could fine‑tune things, but the overall configuration is already quite efficient.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.40%
  • Schwab U.S. Dividend Equity ETF 3.30%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard Information Technology Index Fund ETF Shares 0.30%
  • Weighted yield (per year) 1.25%

The portfolio’s combined indicated yield is about 1.25%, with a big contribution from the Schwab U.S. Dividend Equity ETF at 3.30%. The other growth‑ and tech‑focused ETFs offer much lower yields, around 0.3–0.4%, which is typical for companies that reinvest earnings rather than paying them out. Dividends can matter because they provide a steady part of total return that doesn’t rely on price appreciation alone. Here, the dividend ETF introduces a clear income component, but the overall yield remains moderate due to the strong growth and technology tilt. That balance fits a strategy where capital growth is the main engine and dividends are a useful, but secondary, contributor.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Weighted costs total (per year) 0.04%

On costs, the ETFs used here are notably low‑fee. Individual expense ratios (TERs) range from 0.04% to 0.15%, and the portfolio‑weighted TER averages around 0.04%. The TER is the annual percentage fee charged by a fund, taken from its assets rather than billed separately, so it quietly chips away at returns over time. Keeping this number low is helpful because every dollar not spent on fees stays invested and can compound. Relative to many actively managed funds, a 0.04% blended cost is impressively low and aligns well with best practices for cost‑efficient, index‑heavy portfolios focused on long‑term compounding.

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