Focused US growth and dividend portfolio with strong past returns and concentrated stock exposure
Report created on Jun 26, 2026Risk profile
5/7
Diversification profile
2/5
Positions
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SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 24.36% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 17.42% -
AV Broadcom Inc
AVGO - US11135F1012 8.54% -
WM Waste Management Inc
WM - US94106L1098 7.44% -
MS Microsoft Corporation
MSFT - US5949181045 7.30% -
UN UnitedHealth Group Incorporated
UNH - US91324P1021 6.86% -
V Visa Inc. Class A
V - US92826C8394 6.66% -
CO Costco Wholesale Corp
COST - US22160K1051 6.20% -
HD The Home Depot Inc
HD - US4370761029 5.63% -
AB AbbVie Inc
ABBV - US00287Y1091 5.62% -
LL Eli Lilly and Company
LLY - US5324571083 3.97%
This portfolio is fully invested in US stocks, mixing two broad equity ETFs with a handful of large individual companies. Roughly 42% sits in diversified ETFs, while the remaining majority is in ten single stocks, several of which are household names. This structure blends some diversification from the funds with very specific company bets, which is why the diversification score is low despite multiple holdings. A focused lineup like this can behave quite differently from a broad market index, especially when a few large positions drive most of the ups and downs. It’s a clean, easy-to-understand setup, but it places a lot of importance on how each chosen company performs over time.
Growth
Over the past decade, $1,000 in this portfolio grew to about $7,913, a compound annual growth rate (CAGR) of 23.09%. CAGR is like the average speed of a car on a long trip, smoothing out bumps along the way. This result meaningfully outpaced both the US market (15.78%) and the global market (13.35%). The worst peak‑to‑trough fall, or max drawdown, was about -30.7% during early 2020, slightly shallower than the benchmarks’ drops. Only 55 days generated 90% of total returns, which shows how a few strong days can drive long‑term growth. As always, past performance doesn’t guarantee similar results going forward.
Projection
The forward projection uses a Monte Carlo simulation, which is basically a thousand “what if” market paths built from historical data and volatility patterns. Each simulation shows where a $1,000 investment might end up after 15 years. The median outcome is about $2,881, with a typical middle range from roughly $1,878 to $4,304. The very wide overall spread, from about $994 to $7,609, highlights how uncertain future returns can be even for a historically strong portfolio. The average simulated annual return is 8.25%, much lower than the backward‑looking CAGR, underlining that the past decade’s pace may not be repeated. These are scenarios, not promises.
Asset classes
- Stocks 100%
All of this portfolio is in one asset class: equities. That means no bonds, cash equivalents, or alternative assets are included. A 100% stock allocation typically brings higher long‑term growth potential along with more pronounced swings in value, especially during market stress. Compared with broad multi‑asset benchmarks that mix stocks and bonds, this portfolio leans clearly toward growth and away from stability. Being consistent with a “growth” risk classification, the behavior will generally track equity markets closely, rising and falling with company earnings and sentiment. This structure keeps things simple, but it relies entirely on stock market performance for both returns and risk.
Sectors
- Technology 30%
- Health Care 22%
- Industrials 10%
- Financials 10%
- Consumer Staples 10%
- Consumer Discretionary 10%
- Telecommunications 5%
- Energy 3%
Sector exposure is tilted but still fairly rounded: roughly 30% in technology, 22% in health care, and 10% each in industrials, financials, consumer staples, and consumer discretionary, plus smaller slices in telecommunications and energy. This spread looks reasonably balanced versus many broad US indexes, which is a positive sign for diversification across business types. The tech and health‑care tilt lines up with the growth and quality flavor of the holdings. Tech‑heavy exposure often reacts strongly to interest‑rate and innovation cycles, while health care can be more tied to regulation and demographic trends. Having several sectors represented helps avoid being fully dependent on a single theme.
Regions
- North America 100%
Geographically, the portfolio is 100% in North America, specifically US‑listed companies and US‑focused ETFs. This tight home bias keeps currency exposure straightforward in $ terms and aligns neatly with a US‑based client region. Compared with global equity benchmarks, which typically spread capital across many countries, this is a clear tilt toward one economy and regulatory environment. When the US market leads, such concentration can be a tailwind, as the historical outperformance here suggests. But it also means results will closely follow US economic cycles, policy changes, and sector leadership, with little offset from other regions behaving differently at the same time.
Market capitalization
- Mega-cap 65%
- Large-cap 26%
- Mid-cap 7%
- Small-cap 1%
Most holdings are very large businesses: about 65% in mega‑caps, 26% in large‑caps, and only small portions in mid‑ and small‑caps. Market capitalization simply measures a company’s size by share price times shares outstanding. A mega‑cap tilt often brings more stable earnings, deep liquidity, and heavy representation in major indexes. It can also mean less exposure to some of the faster‑growing but more volatile smaller companies. Compared with a broad market‑cap‑weighted index, this size profile is broadly aligned, which supports smoother behavior and lower company‑specific surprise risk. At the same time, it keeps the portfolio tied to the fate of the biggest corporate names.
True holdings
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Part of fund(s):
- Schwab U.S. Large-Cap Growth ETF
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Part of fund(s):
- Schwab U.S. Large-Cap Growth ETF
-
Part of fund(s):
- Schwab U.S. Dividend Equity ETF
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-
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-
-
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Part of fund(s):
- Schwab U.S. Large-Cap Growth ETF
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NV NVIDIA Corporation 2.73%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Top 10 total 65.32%
Looking through the ETFs into their top holdings reveals some meaningful overlap with the individual stocks. Broadcom, Microsoft, UnitedHealth, and Eli Lilly all show up both as direct positions and inside funds, lifting their total exposures above the simple weights you see. For example, Broadcom’s combined stake is about 9.54%, and Microsoft’s is about 8.89%, higher than the direct positions alone suggest. This “double‑counting” effect creates hidden concentration, because several vehicles depend on the same companies. The analysis only uses ETF top‑10 holdings, so actual overlap may be higher. Still, the look‑through data makes clear that a handful of firms sit at the heart of the portfolio.
Factors
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 a very low tilt to size and low exposure to value, with high tilts to quality and low volatility. Factors are like the underlying “ingredients” of returns, such as favoring stable, profitable firms (quality) or less bumpy price histories (low volatility). A very low size score means a bias toward larger companies versus smaller ones. Low value suggests a preference for higher‑priced, growth‑oriented stocks rather than bargain valuations. This pattern often leads to smoother earnings and potentially more resilient behavior in downturns, but it can lag during strong rallies in cheaper or smaller names. Overall, the factor profile is quite distinctive and consistent.
Risk contribution
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Schwab U.S. Large-Cap Growth ETF
Weight: 24.36% 27.7% -
Schwab U.S. Dividend Equity ETF
Weight: 17.42% 14.1% -
Broadcom Inc
Weight: 8.54% 13.4% -
Microsoft Corporation
Weight: 7.30% 8.9% -
Visa Inc. Class A
Weight: 6.66% 7.0% - Top 5 risk contribution 71.1%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weight. The Schwab US Large‑Cap Growth ETF is 24.36% of the portfolio but contributes about 27.68% of risk. Broadcom is 8.54% by weight yet contributes 13.38% of risk, a much larger share. Microsoft also punches slightly above its size. The top three positions together account for about 55% of total risk, underlining how concentrated the portfolio’s behavior is in these names. This concentrated risk is typical for a focused stock mix and helps explain why individual company news can have an outsized impact on total portfolio 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 efficient frontier analysis compares the current mix with the best possible combinations of these same holdings. The Sharpe ratio, which measures return per unit of risk above the risk‑free rate, is 0.96 for the current portfolio. The optimal mix on the frontier reaches a Sharpe of 1.48 with higher return and only moderately higher risk, while the minimum‑variance mix achieves a Sharpe of 1.06 with lower risk and lower return. The fact that the current portfolio sits about 5.75 percentage points below the efficient frontier suggests its risk/return trade‑off isn’t fully optimized purely from a weighting perspective, even without adding any new investments.
Dividends
- AbbVie Inc 2.80%
- Broadcom Inc 0.50%
- Costco Wholesale Corp 0.60%
- The Home Depot Inc 2.70%
- Eli Lilly and Company 0.60%
- Microsoft Corporation 1.00%
- Schwab U.S. Dividend Equity ETF 2.50%
- Schwab U.S. Large-Cap Growth ETF 0.30%
- UnitedHealth Group Incorporated 2.20%
- Visa Inc. Class A 0.80%
- Waste Management Inc 1.60%
- Weighted yield (per year) 1.32%
The total portfolio dividend yield is around 1.32%, with the Schwab US Dividend Equity ETF at about 2.5% and several individual stocks paying between roughly 0.5% and 2.8%. Dividend yield is the annual cash payout as a percentage of share price, and it provides a steady income stream that can be taken as cash or reinvested. Here, yield plays a supporting rather than dominant role; the portfolio’s return story has been more about price growth than income. Still, having both a growth‑oriented ETF and a dividend‑focused ETF offers two different engines of return, which can help balance periods when either capital gains or dividends are doing more of the work.
Ongoing product costs
- Schwab U.S. Dividend Equity ETF 0.06%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Weighted costs total (per year) 0.02%
Costs are impressively low. The Schwab US Large‑Cap Growth ETF charges a total expense ratio (TER) of 0.04%, and the dividend ETF charges 0.06%. When blended across the full portfolio, including the zero‑fee direct stocks, the overall TER comes out to about 0.02%. TER is the annual fee for running a fund, taken directly from its assets. Low costs mean more of the portfolio’s gross return stays in your pocket over time, which quietly but meaningfully boosts long‑term compounding. This cost level is significantly below many active funds and aligns well with best practices for keeping drag on performance minimal.
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