Balanced global equity portfolio tilted to growth and dividends with strong historical risk adjusted results
Report created on Mar 27, 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
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VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 40.00% -
IX iShares Core MSCI Total International Stock ETF
IXUS - US46432F8344 20.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 20.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 20.00%
The structure is clean and simple: four low-cost stock ETFs, all equity, with a clear tilt. About 40% sits in a broad domestic total market fund, 20% in broad international stocks, 20% in U.S. dividend payers, and 20% in U.S. large-cap growth. That mix blends broad market exposure with explicit growth and income sleeves. This kind of setup is easy to understand and monitor, which helps many investors stay disciplined. The tradeoff is that being 100% in stocks means sharper ups and downs than a mix including bonds. Anyone using a similar mix would usually pair it with a solid cash buffer or separate bond allocation at the overall household level.
Growth
From 2016 to early 2026, $1,000 grew to about $3,478, a compound annual growth rate (CAGR) of 13.31%. CAGR is like your average speed on a road trip, smoothing out all the bumps. That result slightly lagged the U.S. market by 0.71% per year but beat the global market by 1.85% per year, which is a solid outcome. The max drawdown of roughly -34% is very similar to both benchmarks, showing typical stock-market-level downside. Only 32 days delivered 90% of total returns, underlining how missing a handful of strong days can hurt results. Staying invested through volatility has clearly been rewarded historically.
Asset classes
- Stocks 100%
The portfolio is 100% in stocks, with no bonds, cash, or alternatives in the mix. That makes it straightforward to understand but also squarely equity-like in its risk profile. All return drivers come from company earnings, valuations, and global growth, without the stabilizing influence bonds often provide during equity sell-offs. For a balanced-risk investor, this level of stock exposure is on the higher side, though the diversification across styles and regions helps. Anyone wanting smoother ride characteristics could consider pairing a similar equity sleeve with separate fixed income or cash at the overall plan level, rather than changing this equity-only structure.
Sectors
- Technology 27%
- Financials 12%
- Industrials 11%
- Health Care 10%
- Consumer Discretionary 10%
- Telecommunications 9%
- Energy 7%
- Consumer Staples 7%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is led by technology at about 27%, with solid representation in financials, industrials, health care, consumer discretionary, telecom, and energy. This spread is broadly in line with common global and U.S. benchmarks, which is a strong indicator of diversification. The tech tilt is meaningful but not extreme for a modern equity portfolio, especially given today’s index compositions. Tech-heavy allocations tend to do very well in low-rate, growth-oriented environments but can be more volatile when interest rates rise or sentiment turns against high-growth names. The fact that no single non-tech sector dominates helps keep sector-specific shocks from overwhelming the overall portfolio.
Regions
- North America 81%
- Europe Developed 8%
- Asia Developed 3%
- Japan 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, around 81% is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and emerging regions. This is a clear home bias toward the U.S., which mirrors many broad market benchmarks and has been rewarded over the last decade. Exposure outside North America—roughly 19% combined—adds some diversification to currency and economic cycles, but global markets are underweighted relative to a fully global approach. If someone wanted to lean more into international growth or reduce reliance on the U.S. economy, increasing non‑North American exposure at the overall portfolio level would be the main lever.
Market capitalization
- Mega-cap 39%
- Large-cap 35%
- Mid-cap 20%
- Small-cap 4%
- Micro-cap 1%
Market cap exposure is dominated by mega-cap and large-cap stocks, together making up about 74% of the allocation. Mid-caps sit at 20%, while small and micro caps combined are only about 5%. This large-company tilt closely matches broad index norms and provides stability, because bigger firms often have more diversified businesses and stronger balance sheets. The relatively modest small-cap exposure means less sensitivity to early-stage growth cycles and fewer sharp small-cap swings, both positive for a balanced risk profile. Anyone seeking an extra growth kicker or different economic sensitivities might tilt more to smaller companies, but that would also increase volatility.
True holdings
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NV NVIDIA Corporation 4.78%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 4.35%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.30%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.33%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.05%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.74%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.62%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.59%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.45%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
CV Chevron Corp 0.90%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
- Top 10 total 24.10%
Looking through the ETFs, the biggest underlying exposures are familiar mega-cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, and Broadcom. Several of these appear across multiple funds, especially the broad U.S. market and large-cap growth ETF, creating hidden concentration in a handful of tech and communication giants. Overlap is likely higher than shown because only ETF top-10 holdings are included in the data. This concentration isn’t inherently bad—these companies have driven much of the market’s return—but it does mean portfolio behavior is closely tied to how a small group of mega-caps performs, especially during tech-driven corrections.
Factors
Factor exposure is mostly mild tilts rather than strong bets. Value, size, momentum, and quality all show as “low,” meaning a slight lean away from traditional factor premiums like cheapness, small size, or strong recent performance. Yield and low volatility are neutral, so they’re broadly in line with the wider market. Together, this points to a well-balanced, core-like factor profile with just a gentle bias toward the popular mega-cap growth names that have led markets. In practice, that means performance will generally track major indices, outperforming when large growth stocks lead and potentially lagging in periods when value or small caps dominate.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 40.00% 41.9% -
Schwab U.S. Large-Cap Growth ETF
Weight: 20.00% 23.4% -
iShares Core MSCI Total International Stock ETF
Weight: 20.00% 17.6% -
Schwab U.S. Dividend Equity ETF
Weight: 20.00% 17.2%
Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ from simple weights. The total market ETF is 40% of assets but contributes about 42% of overall risk, so it’s roughly proportional. The large-cap growth ETF, at 20% weight, contributes over 23% of risk, showing it’s a bit more volatile and influential than its size alone suggests. The international and dividend ETFs each contribute slightly less risk than their 20% weights. Top‑3 positions driving about 83% of risk is reasonable given the simple four-fund structure, but any big changes should focus first on those heavier risk contributors.
Redundant positions
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High correlationSchwab U.S. Large-Cap Growth ETFVanguard Total Stock Market Index Fund ETF Shares
Correlation measures how often assets move together, from +1 (almost always in the same direction) to -1 (opposite directions). The large-cap growth ETF is highly correlated with the total stock market ETF, which makes sense because both are dominated by big U.S. companies. High correlation means diversification benefits between these two are limited during big market swings—they’ll tend to rise and fall together, especially in broad sell-offs. The international and dividend funds likely offer somewhat different behavior, which is helpful. Overall, this is a coherent, equity-style cluster rather than a set of unrelated bets, which is good for simplicity but caps diversification.
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 risk‑return chart, the current portfolio has an expected return of 13.93% with volatility of 17.33% and a Sharpe ratio of 0.69. The Sharpe ratio measures return per unit of risk—higher is better. The optimal portfolio using the same holdings reaches a higher Sharpe of 0.82, while the minimum-variance mix has a Sharpe of 0.66. Because the current point sits below the efficient frontier, the existing weights are not fully efficient. Reweighting just these four ETFs—without adding anything new—could potentially deliver either more return for the same risk or similar return with less volatility, purely through a sharper balance of the components.
Dividends
- iShares Core MSCI Total International Stock ETF 3.20%
- Schwab U.S. Dividend Equity ETF 2.60%
- Schwab U.S. Large-Cap Growth ETF 0.30%
- Vanguard Total Stock Market Index Fund ETF Shares 1.20%
- Weighted yield (per year) 1.70%
The blended dividend yield is about 1.70%, combining a higher-yield international ETF (~3.2%), a dividend-focused U.S. fund (~2.6%), and lower-yield growth and total market funds. Yield is the cash income paid out annually as a percentage of the investment’s value. This level is moderate: meaningful but not a high-income strategy. It balances current cash flow with growth potential, since growth-oriented companies often reinvest profits instead of paying large dividends. For long-term accumulators, reinvesting those dividends can significantly boost compounding over time. For someone eventually seeking income, this yield base is a decent starting point that could be dialed up later if needed.
Ongoing product costs
- iShares Core MSCI Total International Stock ETF 0.07%
- Schwab U.S. Dividend Equity ETF 0.06%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.05%
The average total expense ratio (TER) is an impressively low 0.05%. TER is the annual fee paid to the fund managers, expressed as a percentage of assets. All four ETFs are at rock-bottom cost levels, especially the total market and U.S. growth funds. Keeping costs this low is a major structural advantage, because every dollar not paid in fees stays invested and compounding. Over decades, even a difference of 0.3–0.5 percentage points per year can add up to thousands of dollars. From a cost perspective, this setup is already highly efficient and fully aligned with best practices for long-term investing.
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