High yield equity portfolio with strong value tilt and globally diversified dividend income focus

Report created on May 16, 2026

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is a compact collection of seven positions, all focused on dividend‑paying equities. Most of the exposure comes through a handful of dividend‑oriented ETFs, with a small direct stock position and a utilities mutual fund rounding things out. The top three ETFs together account for 75% of the total weight, so they do most of the heavy lifting in terms of returns and risk. Everything is fully invested in stocks, with no dedicated cash or bonds. That creates a clear, easy‑to‑understand structure: a global dividend equity basket with a modest tilt toward the US. The simplicity makes it easier to track and understand, but also means all results hinge on equity markets.

Growth Info

Over the period from late 2022 to mid‑2026, $1,000 in this portfolio grew to about $1,719, a compound annual growth rate (CAGR) of 15.9%. CAGR is like your average speed on a long road trip, smoothing out bumps along the way. Both the US market and global market grew faster, around 20% per year, so the portfolio lagged those benchmarks. However, it did so with a smaller maximum drawdown: about ‑12% versus deeper falls for the benchmarks. That shallower dip is consistent with a dividend and low‑volatility tilt. The limited history and unusual market conditions in this window mean these numbers describe the past, not a guarantee of what comes next.

Projection Info

The Monte Carlo projection uses past returns and volatility to simulate 1,000 different future paths for the portfolio over 15 years. Think of it as rolling the dice many times to see a range of possible outcomes, not one prediction. The median path ends around $2,771 from $1,000, roughly in line with an 8.2% average annual return across simulations. The “likely range” shows that many outcomes cluster between about $1,800 and $4,400, while a smaller share land outside that. About 74% of simulations end with a positive return. These scenarios depend heavily on historical patterns; if future markets behave differently, the actual path could fall above or below these ranges.

Asset classes Info

  • Stocks
    100%

Every dollar here is in stocks, so the asset‑class exposure is very focused: 100% equities, 0% bonds or cash. Asset classes are broad buckets like stocks, bonds, and real estate that tend to behave differently. Mixing them can smooth the ride, because when one zigs another may zag. In this case, the entire risk and return profile is tied to how dividend‑oriented equities perform. That all‑equity approach has historically meant more growth potential than bonds over long periods, but also deeper swings along the way. The relatively mild drawdown so far reflects the quality and dividend tilt rather than diversification across asset classes.

Sectors Info

  • Financials
    19%
  • Energy
    13%
  • Consumer Staples
    13%
  • Technology
    11%
  • Industrials
    10%
  • Health Care
    9%
  • Consumer Discretionary
    8%
  • Utilities
    6%
  • Telecommunications
    4%
  • Basic Materials
    4%
  • Real Estate
    3%

Sector‑wise, the portfolio is spread across many parts of the economy, with notable weights in financials, energy, consumer staples, technology, and industrials. Utilities and telecoms also appear, which is common in dividend strategies since those areas often pay steady income. Compared with broad market indexes that lean more heavily into growth sectors, this mix is more income‑oriented and defensive, thanks to staples, utilities, and telecom holdings. That can help during periods when markets favor stability and cash flows over rapid growth. On the other hand, if high‑growth areas lead strongly, a dividend‑heavy sector tilt may lag more growth‑focused benchmarks despite providing a smoother experience.

Regions Info

  • North America
    64%
  • Europe Developed
    20%
  • Japan
    6%
  • Australasia
    3%
  • Asia Developed
    3%
  • Latin America
    2%
  • Asia Emerging
    1%
  • Africa/Middle East
    1%

Geographically, about two‑thirds of the portfolio is in North America, with most of the remainder spread across developed markets in Europe, Japan, and Australasia and small allocations to emerging regions. This is more diversified internationally than a typical US‑only portfolio, and not far off global index patterns, which is a positive sign for broad exposure. Geographic spread matters because economies, currencies, and policy cycles don’t move in lockstep. Having material non‑US exposure means returns are influenced by a wider set of economic drivers and currencies, which can reduce reliance on a single country’s fortunes while introducing some currency‑driven ups and downs.

Market capitalization Info

  • Large-cap
    50%
  • Mega-cap
    25%
  • Mid-cap
    20%
  • Small-cap
    2%

By market capitalization, the portfolio leans heavily toward larger companies: about three‑quarters in mega‑ and large‑caps, with some mid‑caps and just a small slice of small‑caps. Market cap reflects company size, and bigger firms often have more stable earnings and established dividend policies. This aligns well with the dividend focus and helps explain the relatively modest drawdown. The presence of mid‑caps adds some growth potential and differentiation without dramatically changing the overall risk profile. The thin small‑cap exposure means the portfolio is less sensitive to the more volatile, high‑beta part of the market that can swing sharply in both directions.

True holdings Info

  • Main Street Capital Corporation
    4.00%
  • Texas Instruments Incorporated
    1.98%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • Qualcomm Incorporated
    1.96%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • UnitedHealth Group Incorporated
    1.78%
    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
  • Chevron Corp
    1.38%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • PepsiCo Inc
    1.34%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • Merck & Company Inc
    1.31%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • Procter & Gamble Company
    1.30%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • Verizon Communications Inc
    1.29%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • Top 10 total 17.76%

Looking through the ETFs’ top holdings, a few large, well‑known dividend payers stand out: companies in healthcare, consumer staples, technology, and telecoms. Individual names such as Texas Instruments, Qualcomm, UnitedHealth, Coca‑Cola, and Verizon show up via multiple ETFs, creating some hidden concentration even though there’s no direct stock position in them. Main Street Capital is held directly and not through the funds, so its 4% weight is fully concentrated. Because only ETF top‑10 holdings are captured, actual overlap is likely somewhat higher under the surface. This overlap is normal in dividend strategies that fish in the same pond of established, high‑yielding companies.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 97%
Size
Exposure to smaller companies
Neutral
Data availability: 97%
Momentum
Exposure to recently outperforming stocks
Low
Data availability: 69%
Quality
Preference for financially healthy companies
Neutral
Data availability: 69%
Yield
Preference for dividend-paying stocks
Very high
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 97%

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 very strong tilts toward value, yield, and low volatility. Factors are like personality traits of investments: patterns that help explain why they behave the way they do over time. A very high value score means the portfolio leans into stocks that look cheap on metrics like earnings or book value. The very high yield exposure reflects its focus on higher dividend payouts. The high low‑volatility tilt indicates a preference for stocks that historically moved less than the market. Together, this suggests a profile that may lag in speculative rallies but can hold up relatively better in choppy or risk‑off periods, while delivering a meaningful income stream.

Risk contribution Info

  • Schwab U.S. Dividend Equity ETF
    Weight: 35.00%
    35.4%
  • Fidelity® International High Dividend ETF
    Weight: 25.00%
    26.3%
  • Amplify International Enhanced Dividend Income ETF
    Weight: 15.00%
    16.8%
  • Amplify CWP Enhanced Dividend Income ETF
    Weight: 15.00%
    12.2%
  • Main Street Capital Corporation
    Weight: 4.00%
    4.0%
  • Top 5 risk contribution 94.7%

Risk contribution reveals how much each holding drives the portfolio’s overall ups and downs, which can differ from its simple weight. Here, the largest ETFs contribute risk in roughly the same proportion as their sizes, with the top three positions making up about 75% of the weight and about 79% of total risk. That’s a fairly aligned pattern, without a small position unexpectedly dominating volatility. One interesting detail: the Amplify CWP ETF carries slightly less risk than its weight would suggest, consistent with an income‑enhanced, possibly more defensive profile. Overall, risk is concentrated in a few core funds, which keeps things straightforward to monitor.

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.

On the efficient frontier chart, the current portfolio sits below the curve, with a Sharpe ratio of 0.92 versus 1.3 for the best possible mix using the same holdings. The Sharpe ratio measures risk‑adjusted return, like how much “extra” return you get per unit of volatility above a risk‑free rate. Being 1.61 percentage points below the frontier at the current risk level means that, historically, a different weighting of these exact funds could have delivered higher return for similar risk. The minimum‑variance and optimal portfolios show that this set of holdings offers room to fine‑tune the balance between stability and growth without changing the ingredients themselves.

Dividends Info

  • Amplify CWP Enhanced Dividend Income ETF 4.40%
  • Fidelity® International High Dividend ETF 4.10%
  • Amplify International Enhanced Dividend Income ETF 5.50%
  • Main Street Capital Corporation 8.50%
  • Schwab U.S. Dividend Equity ETF 3.30%
  • Schwab International Dividend Equity ETF 3.40%
  • Reaves Utility IF 5.60%
  • Weighted yield (per year) 4.28%

Income is a clear highlight here. The portfolio’s overall yield, at about 4.28%, is noticeably higher than broad market averages, driven by several funds with 4–6% yields and an 8.5%‑yielding stock position. Dividend yield is the annual cash payout as a percentage of the current price, like “interest” on your shares. This level of income can meaningfully contribute to total return, especially when reinvested, and may be attractive in lower‑rate environments. It also means more of the portfolio’s return comes in the form of cash distributions rather than pure price movement, which tends to smooth the experience even if capital growth sometimes trails faster‑moving growth benchmarks.

Ongoing product costs Info

  • Amplify CWP Enhanced Dividend Income ETF 0.56%
  • Fidelity® International High Dividend ETF 0.18%
  • Amplify International Enhanced Dividend Income ETF 0.66%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab International Dividend Equity ETF 0.14%
  • Reaves Utility IF 2.23%
  • Weighted costs total (per year) 0.32%

The portfolio’s total expense ratio (TER) sits around 0.32%, which is relatively low, especially for a mix that includes international and enhanced income strategies. TER is the annual fee charged by funds as a percentage of assets, quietly deducted from returns. Most ETFs here are inexpensive, with some well under 0.20%, which is a strong positive for long‑term compounding. The main outlier is the utilities mutual fund at 2.23%, significantly higher than the rest and a noticeable contributor to overall costs given its small weight. Keeping average costs at this level supports the portfolio’s ability to turn gross market returns into net returns over time.

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