A broadly diversified dividend tilted portfolio aiming for growth income and moderate downside resilience
as of Mar 15, 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.
What type of investor this portfolio is suitable for
Cautious Investors
This portfolio fits an investor who wants meaningful long-term equity growth but also values stability, steady income, and diversification. Risk tolerance is likely moderate: comfortable with market swings, but not with deep, prolonged drawdowns. Typical goals might include supplementing salary or retirement income, building a nest egg, or preserving purchasing power while still outpacing inflation. The time horizon is probably medium to long term—at least seven to ten years—yet with some desire for flexibility in case cash is needed sooner. This kind of investor often prefers broad, rules-based funds, appreciates dividends, and is willing to accept occasionally lagging pure growth strategies in exchange for smoother, more predictable progress.
Positions
-
Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 20.00% -
Schwab International Dividend Equity ETF
SCHY - US8085246721 20.00% -
Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 20.00% -
Amplify International Enhanced Dividend Income ETF
IDVO - US0321087225 10.00% -
Amplify CWP Enhanced Dividend Income ETF
DIVO - US0321084099 5.00% -
iShares® 0-3 Month Treasury Bond ETF
SGOV - US46436E7186 5.00% -
Vanguard Real Estate Index Fund ETF Shares
VNQ - US9229085538 5.00% -
Vanguard Utilities Index Fund ETF Shares
VPU - US92204A8760 5.00% -
Vanguard Tax-Exempt Bond Index Fund ETF Shares
VTEB - US9229077469 5.00% -
NEOS Nasdaq 100 High Income ETF
QQQI - US78433H6751 3.00% -
SHP ETF Trust - NEOS S&P 500 High Income ETF
SPYI - US78433H3030 2.00%
This portfolio is built around three core equity funds at 60%, plus 24% in satellite dividend and income funds, and 10% in bonds and cash-like instruments, with a small real estate and utilities tilt. Compared with a plain broad-market benchmark, this structure is more income-focused and slightly more conservative, while still strongly equity-heavy. That mix matters because most long-term growth will still come from stocks, but the added income and ballast pieces can help smooth the ride. It can help to decide explicitly what role each holding plays—growth core, income enhancer, or risk stabilizer—and trim any that no longer have a clear, distinct purpose.
True holdings
-
Apple Inc 1.74%Part of fund(s):
- Amplify CWP Enhanced Dividend Income ETF
- NEOS Nasdaq 100 High Income ETF
- SHP ETF Trust - NEOS S&P 500 High Income ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
NVIDIA Corporation 1.74%Part of fund(s):
- NEOS Nasdaq 100 High Income ETF
- SHP ETF Trust - NEOS S&P 500 High Income ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
Microsoft Corporation 1.49%Part of fund(s):
- Amplify CWP Enhanced Dividend Income ETF
- NEOS Nasdaq 100 High Income ETF
- SHP ETF Trust - NEOS S&P 500 High Income ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
Chevron Corp 1.08%Part of fund(s):
- Amplify CWP Enhanced Dividend Income ETF
- Schwab U.S. Dividend Equity ETF
-
Lockheed Martin Corporation 0.98%Part of fund(s):
- Schwab U.S. Dividend Equity ETF
-
BHP Group Ltd 0.94%Part of fund(s):
- Schwab International Dividend Equity ETF
-
TotalEnergies SE 0.90%Part of fund(s):
- Schwab International Dividend Equity ETF
-
Amazon.com Inc 0.89%Part of fund(s):
- NEOS Nasdaq 100 High Income ETF
- SHP ETF Trust - NEOS S&P 500 High Income ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ConocoPhillips 0.86%Part of fund(s):
- Schwab U.S. Dividend Equity ETF
-
Verizon Communications Inc 0.84%Part of fund(s):
- Schwab U.S. Dividend Equity ETF
- Top 10 total 11.47%
Looking through to the top underlying positions, there is meaningful but not extreme concentration in large U.S. names like Apple, NVIDIA, Microsoft, and Amazon, plus sizable exposures to energy and industrial leaders such as Chevron, ConocoPhillips, and Lockheed Martin. Because look-through data covers only ETF top-10 holdings, actual overlap is probably higher than reported. This matters because overlapping positions can quietly increase dependence on a handful of companies or themes. It’s helpful to periodically run an overlap check across all funds and think about whether repeated exposure to the same big names is intentional or could be dialed back while keeping the overall strategy intact.
Growth
Based on the reported compound annual growth rate (CAGR) of 14.82%, a hypothetical 10,000 dollars invested over ten years would have grown to roughly 40,000 dollars, assuming that return persisted. Max drawdown, the largest peak-to-trough fall, sits at about -12%, which is relatively mild for an equity-heavy mix and aligns with the cautious risk profile. Only 18 days make up 90% of returns, showing how a small number of very strong days drive long-term outcomes. Since past performance does not guarantee future results, it’s useful to treat these numbers as context rather than a promise and check whether this level of historical downside felt acceptable.
Projection
The Monte Carlo projection ran 1,000 simulations and found all paths positive, with an average annualized return of about 15% and a wide range of outcomes: roughly 2 times starting value at the 5th percentile and over 7 times at the 67th percentile. Monte Carlo analysis uses historical volatility and correlations to generate many plausible futures, like rolling dice thousands of times to see possible paths. These results look attractive but heavily rely on past data, which may not repeat. It’s wise to use such projections mainly to understand the range of potential outcomes and stress-test whether low-end scenarios would still fit the desired comfort level and horizon.
Asset classes
- Stocks 84%
- Cash 6%
- Bonds 5%
- Real Estate 5%
- Other 0%
Asset allocation is 84% stocks, 6% cash-like, 5% bonds, and 5% real estate. Compared with a typical cautious benchmark, this is much more equity-oriented, though the dividend focus and low-volatility tilts make it feel tamer than a pure growth stock mix. The small allocations to bonds, cash surrogates, and real estate provide some diversification and income, but equity risk still dominates overall behavior. To align more tightly with a cautious profile, some investors would nudge bond and cash weights higher; others accept the higher equity share in exchange for stronger expected growth. Clarifying the desired “maximum loss you can tolerate” can guide whether this balance is right.
Sectors
- Technology 13%
- Financials 11%
- Health Care 9%
- Consumer Staples 9%
- Industrials 9%
- Energy 8%
- Utilities 8%
- Telecommunications 8%
- Consumer Discretionary 7%
- Real Estate 6%
- Basic Materials 4%
Sector exposure is broadly spread: technology 13%, financials 11%, healthcare and consumer defensive at 9% each, plus meaningful stakes in industrials, energy, utilities, communications, consumer cyclicals, and real estate. This allocation is well-balanced and aligns closely with global standards, which is a strong indicator of diversification. Dividend and income tilts naturally increase exposure to traditionally steadier areas like utilities, financials, and energy. That can help during inflationary or rate-sensitive periods but might lag when high-growth, low-dividend companies dominate returns. It can be useful to check that any sector overweight—especially in income-heavy areas—is deliberate, and that there is comfort with potentially underperforming in very growth-led bull markets.
Regions
- North America 63%
- Europe Developed 15%
- Australasia 3%
- Japan 2%
- Asia Developed 2%
- Latin America 2%
- Asia Emerging 2%
- Africa/Middle East 1%
Geographically, about 63% is in North America, with the rest spread across developed Europe, Australasia, Japan, and smaller slices in emerging regions like Latin America, Asia emerging, and Africa/Middle East. This is somewhat more globally diversified than a typical U.S.-only portfolio, yet still anchored in the domestic market, which makes sense for a U.S.-based investor. That balance helps reduce the risk that any single country or region drives all results. At the same time, global markets can underperform the U.S. for long stretches, and vice versa. Checking comfort with this U.S.-tilted but international-inclusive mix can help decide whether to keep, increase, or slightly reduce non-U.S. exposure over time.
Market capitalization
- Large-cap 35%
- Mega-cap 28%
- Mid-cap 19%
- Small-cap 4%
- Micro-cap 1%
Market capitalization exposure leans firmly toward larger companies: about 63% in mega and big caps, 19% in mid caps, and modest allocations to small and micro caps. This pattern is very close to common broad-market benchmarks and supports stability, since large firms tend to be more established, profitable, and less volatile. The trade-off is that smaller companies, while bumpier, sometimes deliver stronger long-term growth. Here, the tilt toward large and mega caps pairs well with the cautious risk profile and dividend focus. To fine-tune, someone wanting more punch could increase small and mid-cap exposure modestly, while someone prioritizing smoother rides may prefer keeping this large-cap orientation.
Factors
Factor exposure shows strong tilts toward value, size (smaller than the market), and yield, with moderate momentum and low-volatility leanings. Factor investing means targeting characteristics—like cheapness (value), smaller size, or high dividends (yield)—that research links to long-term returns. These tilts suggest the portfolio tends to favor reasonably priced, income-generating companies and avoid the most speculative growth names. That can be helpful in choppy or inflationary periods but may lag in fast-moving growth rallies driven by expensive, non-dividend stocks. Because signal coverage is only about 53%, the picture is incomplete. It can help to treat these tilts as directional clues rather than precise measurements and confirm they match personal preferences.
Redundant positions
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High correlationSHP ETF Trust - NEOS S&P 500 High Income ETFNEOS Nasdaq 100 High Income ETFVanguard Total Stock Market Index Fund ETF Shares
Correlation analysis shows a highly correlated cluster among the total market ETF and the two high-income index option strategies. Correlation measures how often and how strongly assets move together; high correlation reduces diversification benefits during stress. The correlated group here mostly tracks similar underlying large-cap indexes, so they will likely rise and fall together. That can lead to a false sense of diversification when multiple tickers are really variations of the same theme. A cleaner structure often involves keeping one or two preferred vehicles for that exposure and letting the rest of the portfolio focus on genuinely different drivers, such as other regions, styles, or asset types.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 20.00% 27.1% -
Schwab U.S. Dividend Equity ETF
Weight: 20.00% 21.9% -
Schwab International Dividend Equity ETF
Weight: 20.00% 17.7% -
Amplify International Enhanced Dividend Income ETF
Weight: 10.00% 12.5% -
Vanguard Real Estate Index Fund ETF Shares
Weight: 5.00% 5.7% - Top 3 risk contribution 66.7%
Risk contribution shows that the three 20% core funds together drive about two-thirds of overall volatility, with the total market fund alone contributing 27% of risk versus its 20% weight. Risk contribution measures how much each holding adds to portfolio ups and downs, which can differ from its simple weight. This concentration in a few core positions is normal, but it also means most of the ride depends on how those funds behave. If that’s acceptable, the structure is sound. If not, risk can be spread more evenly by slightly trimming the most dominant risk contributors and boosting stabilizing or less-correlated positions instead of adding more overlapping funds.
Dividends
- Amplify CWP Enhanced Dividend Income ETF 4.30%
- Amplify International Enhanced Dividend Income ETF 5.50%
- NEOS Nasdaq 100 High Income ETF 14.50%
- Schwab U.S. Dividend Equity ETF 3.40%
- Schwab International Dividend Equity ETF 3.40%
- iShares® 0-3 Month Treasury Bond ETF 4.00%
- SHP ETF Trust - NEOS S&P 500 High Income ETF 12.20%
- Vanguard Real Estate Index Fund ETF Shares 3.80%
- Vanguard Utilities Index Fund ETF Shares 2.50%
- Vanguard Tax-Exempt Bond Index Fund ETF Shares 3.30%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Weighted yield (per year) 3.70%
The overall yield around 3.7% is solid for a portfolio that still seeks growth, with several income-oriented ETFs delivering higher payouts, especially the option-based high-income funds with double-digit yields. Dividends are cash distributions, typically from profits or option premiums, that can supplement income or be reinvested for compounding. This level of income can be attractive for investors wanting regular cash flow. However, very high yields sometimes come with elevated risk or limited capital growth. It can help to decide how much reliance there should be on current income versus long-term appreciation, and possibly channel a portion of dividends into reinvestment to keep purchasing power ahead of inflation.
Ongoing product costs
- Amplify CWP Enhanced Dividend Income ETF 0.56%
- Amplify International Enhanced Dividend Income ETF 0.66%
- NEOS Nasdaq 100 High Income ETF 0.68%
- Schwab U.S. Dividend Equity ETF 0.06%
- Schwab International Dividend Equity ETF 0.14%
- iShares® 0-3 Month Treasury Bond ETF 0.07%
- SHP ETF Trust - NEOS S&P 500 High Income ETF 0.68%
- Vanguard Real Estate Index Fund ETF Shares 0.12%
- Vanguard Utilities Index Fund ETF Shares 0.10%
- Vanguard Tax-Exempt Bond Index Fund ETF Shares 0.05%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.19%
The blended expense ratio around 0.19% is impressively low, especially for a portfolio including several active or enhanced-income strategies. Costs matter because every 0.1% saved each year compounds over decades, leaving more in the account instead of going to fund managers. The mix here smartly anchors on very low-cost index ETFs while allowing room for a few higher-fee specialized income funds. That balance supports better long-term performance. It’s still useful to check each higher-cost fund periodically: is it clearly adding a unique benefit—such as targeted income or diversification—relative to a cheaper alternative, or could the same objective be met with lower ongoing fees?
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.
Efficient Frontier analysis suggests there is room to improve the risk–return balance using the same building blocks but different weights. The Efficient Frontier is the set of portfolios that offer the best possible expected return for each level of risk, based on historical returns, volatility, and correlations. Here, a more “efficient” mix at the current risk level has a higher expected return than the present setup, and the mathematically optimal mix slightly reduces risk while maintaining that higher expected return. This does not mean the current portfolio is poor—only that it could be tuned. Removing overlapping, highly correlated holdings first is a practical step before considering a more formal reweighting exercise.
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