Growth focused US stock portfolio blending large-cap growth and small-cap value tilts
Report created on May 27, 2026Risk profile
5/7
Diversification profile
2/5
Positions
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SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 75.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 25.00%
This portfolio is a two-fund mix holding only US stock ETFs: about three-quarters in a large-cap growth ETF and one-quarter in a small-cap value ETF. So structurally it’s a “barbell” between very big, fast-growing companies and much smaller, cheaper ones, with nothing in between and no bonds or cash. That makes the portfolio simple and easy to understand, but also concentrates everything in one asset type and one country. A structure like this tends to move more dramatically with equity markets, since there are no stabilizing assets. The clear split between growth and value means returns will likely depend a lot on which style is in favor at any given time.
Growth
From late 2019 to May 2026, a hypothetical $1,000 in this mix grew to about $3,191, with a compound annual growth rate (CAGR) of 19.1%. CAGR is the “smooth” yearly growth rate as if the portfolio grew at a steady pace each year. Over this period it outpaced both the US market (16.46%) and global market (13.87%). The worst drop, or max drawdown, was about -35.5% during early 2020, similar in depth to the benchmarks but with a quick recovery in around four months. Only 25 days made up 90% of total gains, showing that missing a handful of strong days would have changed the experience a lot.
Projection
The Monte Carlo projection looks forward 15 years by simulating many possible return paths based on past behavior. Think of it as rolling the dice 1,000 times using historical volatility and return as a guide, not as a promise. In these simulations, $1,000 most often ended around $2,718, with a “middle” range of roughly $1,838 to $4,233. Extreme but still plausible outcomes stretched from basically flat at about $992 to over $8,000. The average annualized return across all paths was 8.13%. These numbers highlight how wide results can be, even when using the same starting point and assumptions, and they underline that past data may not repeat.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with no exposure to bonds, cash-like instruments, or alternatives. That makes the overall asset mix very growth-oriented and sensitive to equity market ups and downs. A 100% equity allocation can deliver strong long-term growth when markets do well, but it also tends to experience deeper drawdowns and more frequent swings. Compared to broader multi-asset benchmarks that hold bonds or cash, this structure sacrifices defensive ballast in favor of return potential. The low diversification score (2/5) largely reflects this single-asset-class focus. Over shorter periods, this can lead to a bumpier ride than a more mixed asset class allocation.
Sectors
- Technology 36%
- Consumer Discretionary 14%
- Telecommunications 12%
- Financials 12%
- Industrials 8%
- Health Care 7%
- Energy 5%
- Consumer Staples 3%
- Basic Materials 2%
- Real Estate 1%
Sector-wise, the portfolio leans heavily into technology at about 36%, with meaningful exposure to consumer discretionary, telecom, and financials, and smaller slices in industrials, health care, energy, staples, materials, and real estate. Relative to broad equity benchmarks, this is a tech-tilted profile, which aligns with the large-cap growth component that tends to emphasize innovative, fast-growing businesses. Tech-heavy allocations often benefit when growth expectations and low interest rates support high valuations, but they can be more sensitive when rates rise or sentiment shifts away from growth. The small-cap value ETF adds some balance across more cyclical and economically sensitive sectors, but the overall picture still has a clear technology emphasis.
Regions
- North America 99%
Geographically, about 99% of the portfolio is in North America, effectively all in the US. That means company earnings, regulations, currency, and economic conditions are all tied largely to one country. Compared with global benchmarks like MSCI ACWI, which spread across many regions, this is a pronounced home-country tilt. A strong US market can make that concentration look rewarding, as it has in recent years versus the global benchmark. However, from a diversification standpoint, it also means limited exposure to different economic cycles, policy regimes, and currencies that can sometimes move differently from the US. The portfolio rises or falls mainly with US equity sentiment.
Market capitalization
- Mega-cap 47%
- Large-cap 18%
- Small-cap 14%
- Micro-cap 11%
- Mid-cap 10%
By market cap, there’s a wide spread: around 47% in mega-caps, 18% in large-caps, and the rest in mid, small, and micro-caps. The big names dominate a large chunk of the total exposure, which is typical for US equity funds, but the dedicated small-cap value sleeve increases the presence of much smaller companies compared with broad indexes. Larger firms tend to be more established and somewhat more stable in earnings, while small and micro-cap stocks can be more volatile and sensitive to economic changes. This barbell across size segments means part of the portfolio is anchored in household names, while another part is exposed to more idiosyncratic company-level risk.
True holdings
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NV NVIDIA Corporation 8.79%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AA Apple Inc 7.38%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
MS Microsoft Corporation 5.13%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AM Amazon.com Inc 4.32%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class A 3.72%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AV Broadcom Inc 3.24%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class C 2.95%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
TS Tesla Inc 2.88%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Large-Cap Growth ETF
-
ME Meta Platforms Inc. 2.55%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
LL Eli Lilly and Company 2.21%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Top 10 total 43.17%
Looking through to the top holdings, a handful of mega-cap growth names stand out: NVIDIA, Apple, Microsoft, Amazon, Alphabet (both share classes), Broadcom, Tesla, Meta, and Eli Lilly. Together, these top positions alone account for sizable portions of the overall portfolio despite coming only from ETF top-10 lists. This concentration suggests a meaningful dependence on a small group of very large companies, especially in technology and related areas. Because overlap is measured only using ETF top-10s, true overlap may actually be higher. When the same giants appear across multiple funds, it reduces the diversification benefit you might expect from simply owning more tickers.
Factors
Factor exposure is broadly balanced. Most factors—value, size, momentum, quality, and low volatility—sit in the neutral range, meaning the portfolio behaves roughly like the broad market on these dimensions. The one notable tilt is yield, which is mildly low at 35%, pointing toward a preference for companies that pay lower dividends, often reinvesting more into growth. Factor investing treats traits like value or momentum as “ingredients” that drive returns over time. A mostly neutral profile like this suggests the portfolio’s results will come more from its high-level choices—US-only, 100% stocks, and a growth/value barbell—than from targeted factor bets.
Risk contribution
-
Schwab U.S. Large-Cap Growth ETF
Weight: 75.00% 75.7% -
Avantis® U.S. Small Cap Value ETF
Weight: 25.00% 24.4%
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 makes up 75% of the allocation and contributes about 75.7% of total risk—almost exactly in line with its size. The small-cap value ETF is 25% of the portfolio and contributes about 24.4% of risk. This proportional pattern indicates that, despite the stylistic differences, neither ETF is disproportionately amplifying volatility relative to its weight. With only two positions, all risk is naturally concentrated between them, and any change in either fund’s behavior will directly shift the portfolio’s total volatility.
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 sitting on or very near the efficient frontier. The efficient frontier represents the best possible trade-offs between risk (volatility) and expected return using only the existing holdings in different mixes. The current Sharpe ratio—a measure of risk-adjusted return—of about 0.71 is slightly below the optimal mix at 0.84, but the gap is modest and the minimum-variance portfolio is very close in both risk and return. This suggests that, given just these two ETFs, the current 75/25 allocation is already highly efficient and not leaving much on the table in terms of combining them more effectively.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Weighted yield (per year) 0.62%
The overall dividend yield of the portfolio is relatively low at about 0.62%, reflecting its growth tilt and focus on companies that tend to reinvest profits rather than pay them out. The small-cap value ETF contributes the higher yield piece at roughly 1.30%, while the large-cap growth ETF yields around 0.40%. Dividends can provide a steady cash flow component to total return, which includes both price changes and payouts. In this case, most of the portfolio’s historical and expected returns are likely to come from capital appreciation—share prices moving up or down—rather than from income distributions. That’s consistent with the emphasis on growth-oriented segments of the market.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Weighted costs total (per year) 0.09%
On costs, the portfolio is very lean. The weighted total expense ratio (TER) is about 0.09%, combining 0.04% for the large-cap growth ETF and 0.25% for the small-cap value ETF. TER is the annual fee charged by funds as a percentage of assets, quietly deducted within the fund each year. Lower ongoing costs mean less drag on performance over time, allowing more of the underlying market returns to show up in your results. Compared with many actively managed strategies or older, higher-fee products, this level of cost efficiency is a clear strength and supports better compounding over long horizons.
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