Global stock portfolio with strong US tilt and healthy mix of growth and dividend income
Report created on May 14, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
QQ Invesco QQQ Trust
QQQ - US46090E1038 25.00% -
SC Schwab U.S. Broad Market ETF
SCHB - US8085241029 25.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 25.00% -
SC Schwab International Equity ETF
SCHF - US8085248057 25.00%
This portfolio is a simple four‑ETF mix, split evenly at 25% each. All holdings are stock ETFs, with three focused on the US (broad market, dividends, and growth) and one on international developed markets. That structure makes it easy to understand and maintain while still tapping into thousands of underlying companies. Equal weights mean no single ETF dominates the allocation by design, though underlying overlaps still matter. A setup like this leans on broad index building blocks rather than narrow themes, which typically leads to smoother behavior than a collection of concentrated bets, while still reflecting the ups and downs of global stock markets.
Growth
From 2016 to early 2026, $1,000 in this portfolio grew to about $4,290, implying a compound annual growth rate (CAGR) of 15.74%. CAGR is like your average speed on a road trip, smoothing out bumps along the way. Over this period, it slightly beat the US market and clearly outpaced the global market benchmark. The worst drop, or max drawdown, was about -32% during early 2020, which is similar in depth but a bit faster to recover than the benchmarks. This shows the portfolio has behaved like a strong equity allocation: high growth potential, but with meaningful short‑term swings that are typical of stock‑heavy portfolios.
Projection
The Monte Carlo simulation looks ahead 15 years by mixing thousands of random “what if” paths based on historical patterns. Think of it as running the past in many different shuffled orders to see a range of possible futures. The median outcome turns $1,000 into about $2,723, with most scenarios falling between roughly $1,822 and $4,263. There is also a wide possible band from about $995 to $7,691, underlining that outcomes can vary a lot. The average simulated annual return of 8.21% is much lower than the recent historical 15.74%, which is a reminder that past strong returns don’t automatically persist. These simulations are guides, not predictions.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with 0% in bonds, cash, or alternatives. That makes it straightforward to interpret: returns and risk are entirely driven by the equity markets. A 100% equity allocation typically offers higher long‑term growth potential than mixed portfolios, but it can also experience deeper and more frequent drawdowns along the way. Compared with a global market that blends some defensive assets in many investors’ practice, this portfolio leans more toward growth and volatility. The balanced risk rating of 4/7 reflects that, even though there are no bonds, the diversification across thousands of stocks helps moderate single‑company risk.
Sectors
- Technology 31%
- Financials 11%
- Health Care 10%
- Industrials 10%
- Consumer Staples 9%
- Consumer Discretionary 9%
- Telecommunications 9%
- Energy 6%
- Basic Materials 3%
- Utilities 2%
- Real Estate 1%
Sector exposure is led by technology at 31%, with financials, health care, and industrials each around 10%, plus meaningful slices in consumer areas, telecoms, and energy. Real estate and utilities are small. This profile is quite similar to broad US and global indices today, which are also tech‑heavy, so the portfolio’s sector mix is well‑aligned with common benchmarks. Tech‑driven allocations often benefit when innovation and growth are rewarded, but they may feel sharper swings when interest rates move or when growth expectations change. The presence of a dividend‑focused ETF helps keep exposure to more defensive sectors like consumer staples and financials, adding some balance to the tech tilt.
Regions
- North America 77%
- Europe Developed 12%
- Japan 5%
- Asia Developed 3%
- Australasia 2%
Geographically, about 77% of the portfolio is in North America, with the remainder spread mainly across developed Europe, Japan, and other developed Asia and Australasia. The global market today is closer to a 60% US / 40% rest‑of‑world split, so this portfolio has a clear US tilt relative to global market weights. That tilt lines up with many broad indices used by US investors and has been beneficial in the last decade, as US stocks have outperformed many regions. The international ETF still adds useful diversification by tying part of the portfolio to different economies, currencies, and policy environments, which can behave differently over a full market cycle.
Market capitalization
- Large-cap 43%
- Mega-cap 37%
- Mid-cap 16%
- Small-cap 2%
- Micro-cap 1%
Most of the holdings are in mega‑cap and large‑cap companies, together making up about 80% of the equity exposure. Mid‑caps account for 16%, with only small slivers in small‑ and micro‑cap stocks. This size profile is very close to standard broad‑market indices, which are naturally dominated by the biggest companies. Larger firms often have more stable earnings, established businesses, and better access to financing, which can make their share prices somewhat less volatile than very small firms. The modest allocation to mid and smaller caps still introduces some additional growth potential and diversification, since these segments can behave differently from the largest household‑name stocks.
True holdings
-
NV NVIDIA Corporation 3.99%
Part of fund(s):- Invesco QQQ Trust
- Schwab U.S. Broad Market ETF
-
AA Apple Inc 3.29%
Part of fund(s):- Invesco QQQ Trust
- Schwab U.S. Broad Market ETF
-
MS Microsoft Corporation 2.35%
Part of fund(s):- Invesco QQQ Trust
- Schwab U.S. Broad Market ETF
-
AM Amazon.com Inc 2.14%
Part of fund(s):- Invesco QQQ Trust
- Schwab U.S. Broad Market ETF
-
GO Alphabet Inc Class A 1.78%
Part of fund(s):- Invesco QQQ Trust
- Schwab U.S. Broad Market ETF
-
AV Broadcom Inc 1.56%
Part of fund(s):- Invesco QQQ Trust
- Schwab U.S. Broad Market ETF
-
GO Alphabet Inc Class C 1.54%
Part of fund(s):- Invesco QQQ Trust
- Schwab U.S. Broad Market ETF
-
TX Texas Instruments Incorporated 1.42%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
QC Qualcomm Incorporated 1.40%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
TS Tesla Inc 1.31%
Part of fund(s):- Invesco QQQ Trust
- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Broad Market ETF
- Top 10 total 20.77%
Looking through the ETFs’ top holdings, several big names appear repeatedly: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Texas Instruments, Qualcomm, and Tesla stand out. NVIDIA alone represents about 4% of the portfolio just from ETF overlap, and the top ten underlying companies together form a significant chunk of overall exposure. Because overlap is measured only from ETF top‑10 lists, true concentration is likely higher than shown. This kind of hidden overlap means that while the portfolio holds many funds, its performance is still heavily influenced by a relatively small group of mega‑cap growth and tech‑related companies.
Factors
Factor exposure here is broadly balanced, with most characteristics sitting near “neutral,” meaning they resemble the wider market. The most notable tilt is toward the yield factor at 60%, a mild lean toward higher‑dividend stocks. Factors are like underlying traits—such as value, momentum, or yield—that research links to long‑term returns and patterns. A higher yield tilt often comes from including a dividend equity ETF, which tends to favor companies returning more cash to shareholders. That exposure can support a steadier income stream and sometimes lower volatility than pure growth approaches, though dividend‑oriented stocks may underperform at times when markets favor rapidly growing, lower‑yielding companies. Overall, the factor mix is well‑balanced.
Risk contribution
-
Invesco QQQ Trust
Weight: 25.00% 29.8% -
Schwab U.S. Broad Market ETF
Weight: 25.00% 26.1% -
Schwab International Equity ETF
Weight: 25.00% 22.5% -
Schwab U.S. Dividend Equity ETF
Weight: 25.00% 21.6%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from its weight. Here, every holding is 25% by weight, but Invesco QQQ contributes nearly 30% of total risk, with a risk‑to‑weight ratio of 1.19. The broad US ETF is close to proportional, while the international and US dividend ETFs contribute somewhat less risk than their weights. This pattern is typical when one holding is more growth‑oriented and volatile. The top three positions together account for about 78% of total risk, even though they’re 75% of the capital, indicating a modest risk concentration toward the US growth and broad‑market sleeves.
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 uses an efficient frontier, which shows the best possible trade‑off between risk (volatility) and return for different weightings of these same four ETFs. The portfolio’s Sharpe ratio—a measure of return earned per unit of risk taken—is 0.67, while the maximum‑Sharpe mix is 0.95 and the minimum‑risk mix is 0.72. The key point is that the current allocation sits on or very near the efficient frontier, meaning that, for its current overall risk level, the historical data suggests the mix is already quite efficient. Any gains from reweighting would focus more on fine‑tuning the balance between risk and expected return rather than fixing a clear inefficiency.
Dividends
- Invesco QQQ Trust 0.40%
- Schwab U.S. Broad Market ETF 1.00%
- Schwab U.S. Dividend Equity ETF 3.30%
- Schwab International Equity ETF 3.00%
- Weighted yield (per year) 1.92%
The overall dividend yield of the portfolio is about 1.92%, combining a low yield from QQQ, modest yield from the broad US ETF, and higher yields from the US dividend and international ETFs. Dividend yield is the annual cash payout as a percentage of price, like getting a “rental income” from your shares. Here, the dedicated dividend fund at 3.30% and the international fund at 3.00% are doing most of the yield heavy lifting. That blend means total returns have multiple drivers: both price changes and a moderate, ongoing income stream, which can help cushion returns during periods when capital gains are weaker.
Ongoing product costs
- Invesco QQQ Trust 0.20%
- Schwab U.S. Broad Market ETF 0.03%
- Schwab U.S. Dividend Equity ETF 0.06%
- Schwab International Equity ETF 0.06%
- Weighted costs total (per year) 0.09%
Total costs are low, with a combined total expense ratio (TER) of about 0.09% per year. TER is the annual fee charged by the ETFs, expressed as a percentage of assets, and it’s automatically deducted from performance. In practice, this means about $0.90 per year on every $1,000 invested, which is very lean by industry standards. The use of broad, low‑cost index funds—especially the Schwab ETFs at 0.03–0.06%—is a key driver of this. Low costs help more of any future returns stay in the portfolio, and over long horizons, even small fee differences can compound into noticeable gaps in end wealth. This is a real structural strength.
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