US equities with a strong dividend tilt and efficient risk balance near global market standards
Report created on May 6, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 60.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 30.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10.00%
This portfolio is a simple three-ETF mix fully invested in stocks. Around 60% sits in a broad US large-cap index, 30% in a US dividend-focused fund, and 10% in an international equity ETF. So most of the risk and return comes from US stocks, with a smaller slice tied to higher-yield US companies and a modest global diversifier. A compact structure like this is easy to understand and track. The main implication is that the portfolio’s behaviour will be dominated by the US equity market, with dividends adding a bit more income and the international sleeve slightly widening the opportunity set.
Growth
From 2016-05-09 to 2026-04-30, $1,000 grew to about $3,738, implying a 14.16% compound annual growth rate (CAGR). CAGR is like average speed on a long road trip: it smooths out the bumps to show overall pace. Over this period, the portfolio lagged the US market by about 1.09% a year but beat the global market by 1.46% a year. The max drawdown of roughly -34% during early 2020 closely matched both benchmarks, recovering in about five months. That pattern shows strong long-term growth but with typical stock-market-level swings.
Projection
The Monte Carlo projection uses the portfolio’s past ups and downs to simulate many possible 15-year paths for $1,000. It doesn’t predict a single outcome; instead it runs 1,000 “what if” scenarios and looks at the distribution. The median ending value around $2,810 implies an annualized return of about 8.28% across simulations, with a wide possible range from roughly $994 to $7,666. This spread highlights that equity investing can land anywhere from barely breaking even to strong growth. As always, these simulations depend on historical patterns holding up, which is never guaranteed.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with no bonds, cash-like assets, or alternatives in the mix. Asset classes are the broad buckets like equities, bonds, and real estate that tend to behave differently in various economic conditions. A 100% equity allocation leans firmly toward growth and capital appreciation, with no built-in stabilizer from fixed income. Compared with multi-asset benchmarks that mix in bonds, this structure typically offers higher long-term return potential but also sharper drawdowns when markets fall, because there’s nothing cushioning the ride.
Sectors
- Technology 27%
- Financials 12%
- Health Care 12%
- Consumer Staples 9%
- Industrials 9%
- Consumer Discretionary 9%
- Telecommunications 9%
- Energy 8%
- Basic Materials 2%
- Utilities 2%
- Real Estate 1%
Sector exposure is fairly broad, covering technology, financials, health care, consumer staples and discretionary, industrials, telecom, energy, materials, utilities, and real estate. Technology is the largest at 27%, which is common in modern broad US equity indices. This level of tech weight means returns are influenced by how innovative and growth-oriented companies perform, including big names in chips and software. At the same time, meaningful weights in areas like consumer staples, financials, and health care help anchor the portfolio through more defensive businesses that often behave differently across economic cycles.
Regions
- North America 90%
- Europe Developed 4%
- Japan 2%
- Asia Developed 1%
- Asia Emerging 1%
Geographically, about 90% of the portfolio is in North America, with only a small allocation to Europe, Japan, and other developed and emerging Asian markets. Geography matters because different regions have distinct economic drivers, currencies, and policy environments. Relative to a global stock benchmark, this is a strong US tilt and a lighter exposure to the rest of the world. That has worked well at times when US stocks outperformed, as they have in the past decade, but it also means portfolio outcomes are heavily linked to one region’s fortunes and currency.
Market capitalization
- Large-cap 46%
- Mega-cap 32%
- Mid-cap 19%
- Small-cap 2%
Most holdings here are in mega-cap and large-cap companies, together making up about 78% of the portfolio, with mid-caps at 19% and a small 2% slice in small-caps. Market capitalization simply reflects company size on the stock market. Bigger firms often have more diversified businesses and steadier cash flows, while smaller ones can be more volatile but occasionally faster-growing. This size mix leans toward stability and broad market representation, with only a minor role for the higher-risk, higher-variance behaviour typical of smaller companies.
True holdings
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NV NVIDIA Corporation 4.55%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc 4.00%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 2.95%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.18%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.79%
Part of fund(s):- Vanguard S&P 500 ETF
-
TX Texas Instruments Incorporated 1.65%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
AV Broadcom Inc 1.57%
Part of fund(s):- Vanguard S&P 500 ETF
-
UN UnitedHealth Group Incorporated 1.50%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
QC Qualcomm Incorporated 1.46%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
GO Alphabet Inc Class C 1.44%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 23.10%
Looking through the ETFs, a handful of large US companies appear prominently, including NVIDIA, Apple, Microsoft, Amazon, Alphabet, and several major chip and health care names. These positions show up because broad US index and dividend funds both often hold the same giants. When the same company is held through multiple ETFs, its true influence can be larger than it first appears. For example, NVIDIA and Apple alone add up to a notable share of the portfolio. Since data only covers ETF top-10 holdings, actual overlap is likely somewhat higher than shown.
Factors
Factor exposure is mostly market-like across value, size, momentum, quality, and low volatility, with all these sitting in the neutral band. Factors are just characteristics, like “cheap vs expensive” or “steady vs jumpy,” that help explain performance patterns. The one notable tilt is yield at 61%, reflecting the 30% allocation to a dividend-focused ETF. A higher yield tilt generally means more emphasis on companies that return cash through dividends. That can change how returns are split between income and price moves, and sometimes leads to a different pattern than a pure growth-heavy portfolio.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 60.00% 63.3% -
Schwab U.S. Dividend Equity ETF
Weight: 30.00% 27.8% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 10.00% 8.9%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weight. Here, the S&P 500 ETF is 60% of the weight but contributes about 63% of total risk, slightly more than its size. The dividend ETF is 30% of the weight yet adds around 28% of risk, and the international fund’s 10% weight contributes roughly 9% of risk. That pattern is quite balanced: nothing here is a small position dominating volatility or a huge position oddly quiet. Overall risk concentration closely mirrors the simple allocation.
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 suggests the current mix is already on or very close to the curve of best possible risk/return combinations using these three ETFs. The portfolio’s Sharpe ratio of 0.63, a measure of return per unit of risk above the risk-free rate, is in the same ballpark as the minimum variance and optimal Sharpe portfolios. This means, based on historical data and these holdings alone, the allocation is behaving efficiently for its chosen risk level. Reweighting could shift tradeoffs, but there’s no sign of obvious inefficiency in the current structure.
Dividends
- Schwab U.S. Dividend Equity ETF 3.30%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.92%
The blended dividend yield is about 1.92%, with the dividend ETF paying around 3.3%, the international ETF about 2.7%, and the S&P 500 ETF roughly 1.1%. Dividend yield is simply the annual cash paid out as a percentage of current value. In this portfolio, income is meaningful but not dominant, and a good portion of total return historically came from price growth rather than payouts. The higher-yield sleeve adds a steady cash component, which can smooth returns a bit, while the broad index exposure keeps the portfolio linked to overall market growth.
Ongoing product costs
- Schwab U.S. Dividend Equity ETF 0.06%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
Ongoing costs are very low. The overall total expense ratio (TER) is about 0.04%, with individual ETFs ranging from 0.03% to 0.06%. TER is the annual fee charged by funds, quietly deducted from assets; lower fees mean more of the portfolio’s return stays in the investor’s pocket. For context, these costs compare favourably with many active or higher-cost products. Over long horizons, even small fee differences compound, so a cost structure at this level is a notable strength and lines up well with best practices in low-cost index investing.
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