Growth focused all stock portfolio with strong US tilt and moderate diversification
Report created on Apr 22, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
QQ Invesco QQQ Trust
QQQ - US46090E1038 37.27% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 26.23% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 23.84% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 12.65% -
SW Schwab Value Advantage Money Fund
SWVXX 0.01%
This portfolio is built entirely from listed funds, with four equity ETFs making up virtually 100% and a tiny cash-like fund rounding out the mix. The biggest piece is a growth-focused large-cap fund, followed by a broad US market tracker, a dividend-focused US equity ETF, and a global ex-US fund. This creates a core-satellite feel: broad index exposure plus specific tilts toward growth and dividends. Structurally, it’s a straightforward, buy-and-hold equity mix without leverage or complex products. That simplicity is useful because it makes the main drivers of performance easier to understand: global stock markets in general, and US equities in particular, especially large and growth-oriented names.
Growth
Over the past decade, a $1,000 investment in this portfolio grew to about $4,427, a compound annual growth rate (CAGR) of 16.19%. CAGR is like your “average speed” per year on a long road trip, smoothing out bumps along the way. This growth outpaced both a broad US market index and a global market index by 1.30 and 3.92 percentage points per year, respectively. The worst peak‑to‑trough drop was about -31% during early 2020, similar to major benchmarks. Only 39 days made up 90% of returns, highlighting how a few strong days drove much of the long‑term result. As always, past returns show how this mix behaved, not what it will do next.
Projection
The Monte Carlo projection looks at many possible futures by “replaying” return patterns using historical data and randomness. Think of it as running 1,000 different alternate histories for the same portfolio. After 15 years, the median simulated outcome for $1,000 is about $2,751, with a broad but reasonable “middle” range from roughly $1,804 to $4,231. The annualized return across all simulations is 8.19%, notably lower than the backward‑looking 16.19% CAGR, which is a reminder that historic strength doesn’t automatically continue. There’s about a 74% chance of ending up above the starting amount. These simulations are still just models: they can’t foresee structural shifts, new crises, or regime changes in markets.
Asset classes
- Stocks 100%
All of this portfolio is invested in stocks, with no bonds, real estate funds, or alternative assets in the mix. An all‑equity allocation typically means higher long‑term growth potential but also larger and more frequent swings in value. Many broad benchmarks include some fixed income or cash, so this structure leans more toward capital growth than capital stability. The absence of other asset classes also means that diversification comes only from holding many different stocks through the funds, rather than from mixing fundamentally different types of assets. That single‑asset‑class focus has worked well in a long bull market for equities, but it also keeps the portfolio tied closely to equity market cycles.
Sectors
- Technology 33%
- Telecommunications 11%
- Consumer Discretionary 10%
- Health Care 10%
- Consumer Staples 9%
- Financials 8%
- Industrials 8%
- Energy 6%
- Basic Materials 2%
- Utilities 2%
- Real Estate 1%
Sector exposure is tilted toward technology at about one‑third of the portfolio, with meaningful allocations to telecommunications, consumer areas, health care, financials, and industrials. This looks broadly diversified across most major segments of the economy, but with a clear overweight in tech relative to common global benchmarks. Tech‑heavy portfolios can benefit in environments where innovation and digital platforms drive growth, yet they may be more sensitive when interest rates rise or sentiment turns against high‑growth companies. On the plus side, exposure to defensive sectors such as consumer staples and health care gives some balance, as these areas often hold up better during slowdowns. Overall, the sector mix is growth‑oriented but not extremely concentrated in a single theme.
Regions
- North America 87%
- Europe Developed 5%
- Japan 2%
- Asia Emerging 2%
- Asia Developed 2%
- Australasia 1%
Geographically, the portfolio is heavily tilted toward North America at 87%, with modest slices in developed Europe, Japan, and various Asia regions. Global market indexes typically have a lower US share, so this is a deliberate US‑leaning structure. A strong US tilt has historically been beneficial over the last decade, as US stocks outperformed many other regions. At the same time, it means that economic, political, and currency developments in a single country and currency block have an outsized influence on results. The smaller allocation to the rest of the world still adds some diversification, giving exposure to different growth drivers and policy regimes, but it doesn’t fully mirror global equity weights.
Market capitalization
- Large-cap 44%
- Mega-cap 36%
- Mid-cap 16%
- Small-cap 3%
- Micro-cap 1%
By market capitalization, this portfolio leans heavily toward mega‑ and large‑cap companies, together making up about 80% of exposure. Mid‑caps are present in a meaningful way, while small and micro‑caps are only a thin slice. Large and mega‑cap stocks are often more established businesses with deeper liquidity, which can contribute to lower trading frictions and somewhat more predictable behavior than tiny firms. In contrast, a stronger tilt to small caps might add potential for higher volatility and occasionally higher returns, but with bigger swings. Relative to a typical broad market index, this mix is very close to market‑like, just slightly weighted toward the biggest names that dominate major benchmarks.
True holdings
-
NV NVIDIA Corporation 5.01%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 4.25%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.28%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.67%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.05%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.92%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.90%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.81%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.79%
Part of fund(s):- Invesco QQQ Trust
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
WM Walmart Inc. 1.17%
Part of fund(s):- Invesco QQQ Trust
- Top 10 total 25.84%
Looking through the top positions across the ETFs, a handful of large US technology and consumer companies stand out. NVIDIA, Apple, Microsoft, Amazon, Alphabet (both share classes), Broadcom, Meta, Tesla, and Walmart together represent a sizeable slice of the portfolio, even though none are held directly. Because several ETFs own the same giants, there’s overlap that quietly concentrates exposure in these names. For example, Apple and NVIDIA each appear in multiple funds, which magnifies their influence on performance in both directions. It’s worth noting that overlap is likely understated here because only top‑10 ETF holdings are included, so real concentration may be a bit higher than the visible numbers suggest.
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 across value, size, momentum, quality, yield, and low volatility is broadly neutral, meaning it looks similar to a broad market portfolio on these dimensions. Factor exposure describes how much a portfolio leans into traits like “cheap vs. expensive” (value) or “stable vs. volatile” (low volatility), which academic research links to long‑term return patterns. With all six factors hovering around the neutral range, the portfolio doesn’t strongly bet on any specific style. In practice, that means performance is likely driven more by overall market direction, sector tilts, and regional biases than by systematic factor strategies. This balanced factor profile can be helpful because it avoids concentrated style risks that can go in and out of favor.
Risk contribution
-
Invesco QQQ Trust
Weight: 37.27% 44.0% -
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 26.23% 26.3% -
Schwab U.S. Dividend Equity ETF
Weight: 23.84% 19.2% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 12.65% 10.5% -
Schwab Value Advantage Money Fund
Weight: 0.01% 0.0%
Risk contribution shows how much each holding adds to the portfolio’s overall ups and downs, which can differ from its weight. Here, the top three positions by weight account for about 89.5% of total portfolio risk. The growth‑oriented ETF, at 37% of assets, contributes about 44% of the risk, so each percentage point in that fund “pulls” a bit more than its share. The total US market ETF contributes risk roughly in line with its weight, while the dividend and international funds contribute somewhat less risk per unit of allocation. This pattern signals that portfolio risk is concentrated in a single high‑growth fund, even within an otherwise diversified set of broad index exposures.
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 compares different mixes of these same holdings to see which combinations historically offered the best trade‑off between risk and return. The current portfolio has a Sharpe ratio of 0.68, which is a measure of risk‑adjusted return: how much extra return you get per unit of volatility over the risk‑free rate. The modeled “optimal” mix of the same funds has a higher Sharpe of 0.90 at somewhat higher risk, while a very low‑risk minimum‑variance mix shows a mathematically high Sharpe but very low absolute return. The current allocation sits about 1.27 percentage points below the frontier at its risk level, meaning a different weighting of the same holdings could have offered a more efficient balance historically.
Dividends
- Invesco QQQ Trust 0.40%
- Schwab U.S. Dividend Equity ETF 3.40%
- Schwab Value Advantage Money Fund 3.90%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.60%
The portfolio’s total dividend yield is about 1.6%, combining a low‑yield growth ETF, a higher‑yield dividend ETF, plus moderate yields from domestic and international broad markets and a cash‑like fund. Dividend yield is the cash income you receive annually as a percentage of your investment, separate from price changes. Here, income is a secondary feature rather than the main focus, because a sizeable slice is in a low‑yield, growth‑oriented fund. The dedicated dividend ETF adds a meaningful bump, which can help smooth total returns in less exciting markets, since dividends tend to be steadier than prices. Overall, the income profile is modest but supported by a strong dividend component.
Ongoing product costs
- Invesco QQQ Trust 0.20%
- Schwab U.S. Dividend Equity ETF 0.06%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.10%
Weighted average costs, measured by Total Expense Ratio (TER), come to about 0.10% per year. TER is the ongoing fee charged by funds, expressed as a percentage of assets, and it’s automatically deducted from returns. In simple terms, you’re paying about $1 per year for every $1,000 invested, which is very low by industry standards, especially for a portfolio using multiple specialized ETFs. Lower ongoing costs mean more of the portfolio’s gross return stays in your pocket and can compound over time. This cost profile is a clear strength, aligning well with best practices that emphasize keeping fees down so they don’t quietly erode long‑term performance.
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