Solid total market base with a strong dividend growth tilt and efficient risk profile
Report created on Apr 17, 2026Risk 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
-
FS Fidelity Total Market Index Fund
FSKAX - US3159116934 50.00% -
DG iShares Core Dividend Growth ETF
DGRO - US46434V6213 18.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 16.00% -
IG iShares International Dividend Growth ETF
IGRO - US46435G5247 8.00% -
SC Schwab International Dividend Equity ETF
SCHY - US8085246721 8.00%
This portfolio is built around a broad total market fund at 50%, with the rest spread across four dividend-focused ETFs split between domestic and international markets. So half is a plain-vanilla exposure to a wide stock universe, and half leans toward companies that pay and grow dividends. That blend gives you a core-satellite feel: a simple, diversified base plus a more income-oriented overlay. Structurally, this is clean and easy to manage, with no tiny satellite positions to overcomplicate things. The general takeaway is that this setup should behave like a diversified stock portfolio, but with a noticeable tilt toward steadier, dividend-friendly companies compared with a pure market-cap index.
Growth
Over the last five years or so, a hypothetical $1,000 grew to about $1,620, for a Compound Annual Growth Rate (CAGR) of 10.25%. CAGR is like your average yearly “speed” over the whole trip, smoothing out bumps along the way. This lagged the US market benchmark, which grew at 12.48% annually, and was roughly in line with the global market at 10.30%. The portfolio’s max drawdown, a peak-to-trough fall of -22.38%, was slightly smaller than both benchmarks. That means you gave up some upside in the strong US run but experienced somewhat milder downside, which is consistent with a more defensive, dividend-tilted equity mix.
Projection
The Monte Carlo simulation projects a wide range of possible outcomes over 15 years based on past return and volatility patterns. Monte Carlo basically runs thousands of “what if” market paths, like simulating many alternate futures using historical behavior as a guide, not a blueprint. Here, the median outcome grows $1,000 to around $2,724, with a broad but reasonable middle band between about $1,864 and $4,106. There’s roughly a three-in-four chance of ending positive. That’s consistent with an all-equity, balanced-risk profile. Still, these are statistical scenarios, not promises; real markets can surprise on both the upside and downside beyond what the model shows.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash, or alternatives. That’s simple and easy to understand, but it also means returns will fully ride the equity market’s ups and downs. Compared with a classic “balanced” mix that includes bonds, this is more growth-oriented and can swing more in market stress. The flip side is that, over long horizons, stocks have historically offered higher returns than safer assets. For someone using this as a long-term growth engine and handling short-term volatility elsewhere (for example, in a separate cash or bond bucket), this 100% equity stance can make sense.
Sectors
- Technology 22%
- Financials 15%
- Health Care 13%
- Industrials 11%
- Consumer Staples 10%
- Telecommunications 7%
- Energy 6%
- Consumer Discretionary 5%
- Utilities 4%
- Consumer Discretionary 3%
- Basic Materials 2%
- Real Estate 1%
Sector-wise, the portfolio is fairly spread out, with notable weights in technology, financials, health care, industrials, and consumer staples, and smaller slices in utilities, energy, telecoms, and real estate. This mix is relatively balanced and not wildly skewed toward a single area, though there is a tilt toward traditionally steadier, cash-generative sectors that often pay dividends. That’s helpful because different sectors lead at different times depending on the economic cycle and interest rates. The sector blend here aligns well with broad market patterns while still reflecting the dividend and quality bias, which should support resilience in slower growth or choppier markets.
Regions
- North America 85%
- Europe Developed 9%
- Japan 2%
- Australasia 1%
- Asia Emerging 1%
- Asia Developed 1%
Geographically, about 85% is in North America, with the rest mainly in developed markets like Europe plus smaller exposures to Japan and other regions. That’s more home-biased than a global-cap-weighted index, which spreads more outside North America. Home bias is common and has worked recently thanks to strong US performance, but it does tie outcomes heavily to one economy and currency. On the positive side, the international dividend funds introduce some diversification, especially if non-US markets go through a catch-up phase. Overall, the geographic mix is moderately diversified but still clearly anchored in North America, which fits many US-based investors’ comfort zones.
Market capitalization
- Large-cap 42%
- Mega-cap 34%
- Mid-cap 18%
- Small-cap 5%
- Micro-cap 1%
By market cap, the portfolio leans heavily toward mega- and large-cap stocks, which together make up over three-quarters of the exposure, with smaller amounts in mid-, small-, and micro-caps. Large and mega caps tend to be more established, profitable businesses and usually show somewhat lower volatility and better liquidity than smaller companies. The smaller-cap slice can add growth potential and diversification but doesn’t dominate the risk profile. This setup is similar to a typical total-market index: broadly diversified but with most of the weight riding on big, familiar names. That lines up nicely with the “steady compounder” feel of the rest of the portfolio.
True holdings
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UN UnitedHealth Group Incorporated 1.06%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
- iShares Core Dividend Growth ETF
-
HD The Home Depot Inc 0.97%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
- iShares Core Dividend Growth ETF
-
PG Procter & Gamble Company 0.97%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
- iShares Core Dividend Growth ETF
-
TX Texas Instruments Incorporated 0.70%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
CV Chevron Corp 0.68%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
MR Merck & Company Inc 0.66%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
KO The Coca-Cola Company 0.64%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
CO ConocoPhillips 0.64%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
PE PepsiCo Inc 0.63%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
AM Amgen Inc 0.61%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
- Top 10 total 7.56%
Looking through the ETFs’ top holdings, names like UnitedHealth, Home Depot, Procter & Gamble, Coca-Cola, and PepsiCo appear, sometimes in more than one fund. Overlap matters because when the same company shows up in several funds, it quietly concentrates exposure even if each ETF looks diversified on its own. Here, the top-ten look-through coverage is limited (only about 16%), so the overlap picture is incomplete, but it still shows a tilt toward large, high-quality, established firms. The main takeaway: concentration risk at the single-company level doesn’t look extreme from available data, and it’s aligned with the portfolio’s quality and dividend growth focus.
Factors
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 meaningful tilts toward value and low volatility, with other factors sitting close to neutral. Factors are like the underlying “personality traits” of a portfolio — things like cheapness (value), size, recent winners (momentum), and stability (low volatility) that research links to long-term returns. A high value exposure suggests the portfolio leans toward stocks trading at cheaper valuations versus the broader market. A high low-volatility exposure indicates a preference for steadier, less jumpy stocks. Together, that often means more resilience in market downturns but potential underperformance in explosive growth-led rallies. Overall, the factor profile is intentional and nicely consistent with the dividend and quality tilt.
Risk contribution
-
Fidelity Total Market Index Fund
Weight: 50.00% 57.9% -
iShares Core Dividend Growth ETF
Weight: 18.00% 16.4% -
Schwab U.S. Dividend Equity ETF
Weight: 16.00% 14.0% -
iShares International Dividend Growth ETF
Weight: 8.00% 6.2% -
Schwab International Dividend Equity ETF
Weight: 8.00% 5.5%
Risk contribution reveals how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. The total market fund is 50% of the assets but contributes around 58% of total risk, meaning it punches a bit above its weight. The two US dividend ETFs together add roughly 30% of risk, while the international ETFs contribute noticeably less relative to their weights. This isn’t a red flag; it simply shows the portfolio’s risk is dominated by broad US equities. If someone wanted to dial back total volatility in the future, adjusting that core position would have the biggest impact, far more than tweaking the smaller satellite funds.
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 shows the current portfolio is on or very close to the curve of best possible risk/return combinations using these holdings. The Sharpe ratio — a measure of return per unit of risk above a risk-free rate — is 0.47 for the current mix, while both the optimal and minimum-variance blends reach about 0.73 with slightly lower risk. Because the frontier indicates only modest improvements from reweighting, the allocation is already highly efficient for its chosen risk level. In other words, given these specific funds, the structure is doing its job well, and there’s no sign of a glaringly suboptimal mix.
Dividends
- iShares Core Dividend Growth ETF 2.00%
- Fidelity Total Market Index Fund 1.00%
- iShares International Dividend Growth ETF 2.40%
- Schwab U.S. Dividend Equity ETF 3.40%
- Schwab International Dividend Equity ETF 3.40%
- Weighted yield (per year) 1.87%
The portfolio’s overall yield is around 1.87%, with the dividend-focused ETFs yielding between roughly 2% and 3.4%, and the total market fund closer to 1%. Yield is the cash income paid out as dividends each year, expressed as a percentage of the investment’s value. This level of income is modest but meaningful, especially combined with the emphasis on dividend growth rather than just high yield. That approach tends to prioritize companies that can keep raising payments over time, which can help preserve purchasing power against inflation. For an equity portfolio, this strikes a nice balance between current cash flow and long-term total return potential.
Ongoing product costs
- iShares Core Dividend Growth ETF 0.08%
- Fidelity Total Market Index Fund 0.02%
- iShares International Dividend Growth ETF 0.15%
- Schwab U.S. Dividend Equity ETF 0.06%
- Schwab International Dividend Equity ETF 0.14%
- Weighted costs total (per year) 0.06%
Costs are impressively low. The total expense ratio (TER) across the funds averages about 0.06% per year. TER is like a management fee taken directly from the fund; lower is generally better because fees quietly eat into compounding over decades. Here, each holding is in the ultra-low-cost range for its category, especially the total market fund and the main US dividend ETF. This is a real strength: it means more of the portfolio’s return stays in your pocket rather than going to fund managers. From a cost-efficiency standpoint, the setup is very close to best-in-class for a diversified, factor-tilted equity mix.
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