Dividend focused portfolio with strong value tilt and moderate diversification across large established companies
Report created on May 11, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
CG Capital Group Dividend Value ETF
CGDV - US14020W1062 30.00% -
FD Fidelity® High Dividend ETF
FDVV - US3160928400 30.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 30.00% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 10.00%
This portfolio is built almost entirely around three dividend-focused ETFs, each at 30%, plus a 10% slice in a broad technology ETF. That structure makes dividends the core theme, with tech acting as a growth booster on the side. Everything is in stocks, so there is full exposure to equity market ups and downs rather than a mix with bonds or cash. The mix is straightforward and easy to understand, which can be helpful when tracking performance. It also means the portfolio’s behavior will largely reflect how dividend-paying and large, established companies perform, rather than the whole market. Overall, it is a concentrated expression of one main idea: dividend and value-leaning U.S. equities with a tech overlay.
Growth
From early 2022 to May 2026, $1,000 in this portfolio would have grown to about $1,807. That translates to a compound annual growth rate (CAGR) of 15.2%, almost identical to the U.S. market benchmark and ahead of the global market. CAGR is basically the “average yearly speed” of growth over the whole period. The worst drop from peak to trough was about -20%, slightly milder than both U.S. and global benchmarks. This shows the portfolio has kept up with a strong U.S. market while cushioning drawdowns a bit. Still, returns were concentrated: 90% of gains came from just 20 days, underlining how missing a few strong days can matter a lot in equity-heavy portfolios.
Projection
The forward projection uses a Monte Carlo simulation, which is like running the portfolio’s history through 1,000 “what if” alternate futures to see a range of possible outcomes. Based on past behavior, a $1,000 investment has a median 15‑year estimate of about $2,721, with a wide possible span from roughly $900 to almost $8,000. The average annual return across simulations is 7.95%, with about a 71% chance of ending above the starting amount. These numbers frame expectations, not promises: they assume markets behave somewhat like the past, which they rarely do perfectly. Still, the projections highlight that while long‑term growth is plausible, outcomes can vary a lot, especially with an all‑stock portfolio.
Asset classes
- Stocks 101%
All of this portfolio is in stocks, with equity exposure rounding to 101% due to data aggregation. That means there is no built‑in ballast from bonds or cash-like assets, which in mixed portfolios can help smooth returns when markets are rough. Equity‑only structures tend to be more sensitive to economic cycles, earnings news, and changes in interest rates. Compared with many balanced portfolios that blend stocks and bonds, this one is closer to a pure equity approach, even though its official risk score is labeled “balanced.” The upside is full participation in stock market growth; the trade-off is that declines in broad equity markets will be felt directly without a cushion from other asset classes.
Sectors
- Technology 33%
- Consumer Staples 11%
- Health Care 10%
- Financials 10%
- Consumer Discretionary 9%
- Industrials 8%
- Energy 6%
- Telecommunications 5%
- Utilities 3%
- Real Estate 3%
- Basic Materials 1%
Sector-wise, the portfolio leans heavily on technology at around one‑third of total exposure, while the rest is spread fairly across defensive and cyclical sectors like consumer staples, health care, financials, and industrials. Relative to a typical dividend strategy, the tech allocation is noticeably higher because of the dedicated tech ETF plus tech names inside the dividend funds. Tech-heavy exposure can boost returns when growth and innovation themes are in favor, but may be more volatile when interest rates rise or sentiment turns against high‑multiple companies. The presence of utilities, energy, and consumer staples adds more stable, cash‑generative businesses, balancing some of that tech sensitivity. Overall, sector diversification is decent, but tech is clearly a key driver.
Regions
- North America 96%
- Europe Developed 3%
- Asia Developed 1%
Geographically, this portfolio is overwhelmingly concentrated in North America at 96%, with only small slices in developed Europe and Asia. That aligns fairly closely with some U.S.-focused benchmarks but is more regionally concentrated than a global index, where non‑U.S. markets make up a large share. A strong U.S. tilt has been beneficial over the last decade as U.S. markets have outperformed many others. The flip side is that economic, political, or regulatory issues in the U.S. will have an outsized impact here. There is also meaningful currency concentration in the dollar, with only minimal indirect exposure to other currencies through foreign revenue in multinational companies.
Market capitalization
- Large-cap 51%
- Mega-cap 25%
- Mid-cap 18%
- Small-cap 5%
- Micro-cap 1%
By market capitalization, the portfolio is dominated by larger companies: mega‑caps and large‑caps together make up about three‑quarters of exposure. Mid‑caps provide a meaningful secondary layer, while small and micro‑caps are only a small slice. Larger companies often have more stable earnings, established dividend policies, and deeper trading liquidity, which can help moderate volatility compared to portfolios tilted heavily toward smaller firms. On the other hand, the limited small‑cap exposure means less participation in segments that can sometimes deliver higher growth, albeit with more bumps along the way. This size profile fits well with a dividend and value focus, since many consistent dividend payers are mature, large businesses.
True holdings
-
NV NVIDIA Corporation 5.42%
Part of fund(s):- Capital Group Dividend Value ETF
- Fidelity® High Dividend ETF
- Vanguard Information Technology Index Fund ETF Shares
-
MS Microsoft Corporation 4.03%
Part of fund(s):- Capital Group Dividend Value ETF
- Fidelity® High Dividend ETF
- Vanguard Information Technology Index Fund ETF Shares
-
AA Apple Inc 3.35%
Part of fund(s):- Fidelity® High Dividend ETF
- Vanguard Information Technology Index Fund ETF Shares
-
AV Broadcom Inc 2.83%
Part of fund(s):- Capital Group Dividend Value ETF
- Fidelity® High Dividend ETF
- Vanguard Information Technology Index Fund ETF Shares
-
KO The Coca-Cola Company 1.77%
Part of fund(s):- Fidelity® High Dividend ETF
- Schwab U.S. Dividend Equity ETF
-
TX Texas Instruments Incorporated 1.70%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
QC Qualcomm Incorporated 1.68%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
PG Procter & Gamble Company 1.65%
Part of fund(s):- Fidelity® High Dividend ETF
- Schwab U.S. Dividend Equity ETF
-
UN UnitedHealth Group Incorporated 1.53%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
AM Applied Materials Inc 1.27%
Part of fund(s):- Capital Group Dividend Value ETF
- Vanguard Information Technology Index Fund ETF Shares
- Top 10 total 25.22%
The look‑through holdings show that big U.S. names like NVIDIA, Microsoft, Apple, and Broadcom are among the largest effective positions once ETF overlaps are considered. For example, NVIDIA alone represents over 5% of the portfolio, and Microsoft and Apple together add more than 7%. This overlap happens because these companies appear in the top holdings of multiple ETFs, creating hidden concentration despite owning only four funds. Consumer staples and health care giants like Coca‑Cola and Procter & Gamble add further exposure to well‑known brands. It’s worth noting that the analysis only covers ETF top‑10 holdings, so total overlap is likely understated; underlying concentration in a handful of mega‑caps is probably higher than the visible slice suggests.
Factors
Factor exposure shows strong tilts toward value, yield, and low volatility, with neutral readings on size, momentum, and quality. Factors are like “personality traits” of investments — characteristics that help explain how they behave over time. A high value tilt means the portfolio leans toward stocks trading at lower prices relative to fundamentals, which can perform differently from growth‑heavy markets. The strong yield exposure reflects the focus on higher dividend payouts, making income a more important part of total return. Elevated low‑volatility exposure suggests the holdings tend, on average, to fluctuate less than the broader market. In combination, these tilts often lead to a steadier ride than pure growth strategies, though they may lag when high‑growth, non‑dividend payers dominate returns.
Risk contribution
-
Capital Group Dividend Value ETF
Weight: 30.00% 29.8% -
Fidelity® High Dividend ETF
Weight: 30.00% 29.3% -
Schwab U.S. Dividend Equity ETF
Weight: 30.00% 26.6% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 10.00% 14.3%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which isn’t always proportional to weight. Here, the three dividend ETFs, at 30% each, contribute roughly similar slices of risk, together accounting for about 86% of total volatility. The 10% tech ETF punches above its weight, contributing over 14% of total risk, as shown by its risk/weight ratio of 1.43. That means it amplifies overall variability more than its size alone might suggest, which is common for concentrated tech exposure. This pattern is typical in equity portfolios: a smaller but more volatile position can be a major driver of day‑to‑day performance. The overall distribution of risk is still fairly aligned with position sizes.
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 vs. return chart compares the current mix to an “efficient frontier,” which shows the best possible return for each risk level using only these four ETFs in different weights. Right now, the portfolio sits about 2.2 percentage points below that frontier at its current risk level, and its Sharpe ratio of 0.74 trails the optimal mix’s 1.11. The Sharpe ratio measures return per unit of risk, similar to getting more miles per gallon in a car. The minimum‑variance version, which has the lowest risk, actually has a slightly higher Sharpe than the current setup as well. This means that, within these same holdings, other weight combinations could historically have offered a more efficient balance of risk and return.
Dividends
- Capital Group Dividend Value ETF 1.20%
- Fidelity® High Dividend ETF 2.80%
- Schwab U.S. Dividend Equity ETF 3.30%
- Vanguard Information Technology Index Fund ETF Shares 0.30%
- Weighted yield (per year) 2.22%
The blended dividend yield of the portfolio is about 2.22%, driven mainly by the Schwab and Fidelity high‑dividend ETFs, with the tech fund contributing very little yield. Dividend yield is the annual cash payout as a percentage of price, and here it’s a meaningful but not extreme component of total return. Compared with typical broad U.S. market yields, this sits somewhat higher, reflecting the focus on dividend‑oriented strategies. Over time, reinvested dividends can contribute significantly to growth, especially when held through market cycles. It’s also worth noting that dividends are relatively stable compared to share prices, though they can still be cut or raised depending on company profitability and broader economic conditions.
Ongoing product costs
- Capital Group Dividend Value ETF 0.33%
- Fidelity® High Dividend ETF 0.15%
- Schwab U.S. Dividend Equity ETF 0.06%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Weighted costs total (per year) 0.17%
The portfolio’s overall total expense ratio (TER) is about 0.17%, which is low by historical standards and competitive even among modern ETFs. TER is the annual management fee charged by funds, taken directly from assets, so lower costs mean more of the underlying returns stay with the investor. Here, the three core dividend ETFs range from 0.06% to 0.33%, and the tech ETF sits at 0.10%. Blended together, this creates a cost‑efficient structure, especially given the active or rules‑based tilts toward dividends and value. This alignment with low‑cost best practices is a real strength, supporting better net returns over long horizons without adding complexity.
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