Strong US tilted stock portfolio with broad diversification and efficient risk return trade off
Report created on Aug 20, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
SC Schwab U.S. Broad Market ETF
SCHB - US8085241029 40.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 20.00% -
SC Schwab U.S. Large-Cap Value ETF
SCHV - US8085244098 20.00% -
SC Schwab International Equity ETF
SCHF - US8085248057 10.00% -
SC Schwab International Small-Cap Equity ETF
SCHC - US8085248883 5.00% -
SC Schwab Emerging Markets Equity ETF
SCHE - US8085247067 5.00%
This portfolio is a 100% stock mix built entirely from broad, low-cost Schwab equity ETFs. About 80% sits in U.S. stocks, with a core total-market holding making up 40%, and another 40% split evenly between large-cap growth and large-cap value. The remaining 20% goes to international, small-cap, and emerging markets funds. This structure creates a clear core-and-satellite layout: a big diversified core surrounded by more targeted tilts. That kind of setup is common when someone wants broad exposure but still cares about style (growth vs. value) and global reach. The result is a growth-leaning portfolio with simplicity at the fund level but plenty happening underneath.
Growth
Over the ten-year period shown, $1,000 grew to about $3,737, which is a 14.15% compound annual growth rate (CAGR). CAGR is the “per-year on average” growth rate, smoothing out all the ups and downs. That’s a strong historical result, slightly behind the U.S. market benchmark but ahead of the global market. The worst drawdown was about -34.7% during early 2020, similar to the benchmarks, and the recovery was fairly quick at around five months. This shows the portfolio behaved very much like a growth-oriented equity mix: strong long-term growth but with sharp, stock-market-type drops when crises hit.
Projection
The forward projection uses a Monte Carlo simulation, which basically means the system runs 1,000 alternate “futures” by remixing past return patterns and volatility. From that, the median outcome turns $1,000 into about $2,689 over 15 years, an implied 8.01% annualized return across all simulations. The ranges are wide: roughly $1,824–$4,091 for the middle 50%, and $987–$7,805 for a broader 90% band. This highlights that even with the same portfolio, outcomes can vary a lot. Importantly, Monte Carlo relies on historical behavior; it doesn’t “know” future shocks, so these numbers are illustrative, not promises.
Asset classes
- Stocks 100%
The portfolio is 100% in stocks, with no bonds, cash-like instruments, or alternative assets in the mix. That makes it straightforward to understand: everything here is tied to equity markets. A pure-stock allocation typically means higher expected long-term growth than mixed stock–bond blends, but also deeper and faster drawdowns when markets fall. Compared with many all-in-one benchmarks that mix stocks and bonds, this portfolio is deliberately growth-heavy. The implication is that overall risk and volatility are driven almost entirely by corporate earnings, valuations, and global equity sentiment, rather than bond yields or interest-rate-sensitive assets.
Sectors
- Technology 31%
- Financials 15%
- Industrials 11%
- Health Care 9%
- Consumer Discretionary 9%
- Telecommunications 8%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Real Estate 3%
- Utilities 2%
Sector exposure is anchored in technology at 31%, followed by meaningful stakes in financials, industrials, health care, and consumer areas. Tech is clearly the largest slice, larger than many diversified global benchmarks, which have also been tech-heavy in recent years but often with slightly lower tech weights. Tech-led portfolios tend to benefit when innovation, software, and chip-related businesses are driving markets, but they can feel more impact when interest rates rise or when growth expectations cool. The rest of the sectors are reasonably spread, which helps avoid extreme dependence on just one part of the economy even with technology in the lead.
Regions
- North America 81%
- Europe Developed 7%
- Asia Developed 3%
- Japan 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
Geographically, the portfolio is strongly tilted toward North America at 81%, with the rest split across developed Europe and Asia, Japan, and a modest slice of emerging markets and smaller regions. A typical global stock benchmark today has closer to 60% in the U.S., so this mix leans more heavily into the U.S. than the world market does. That kind of home-country tilt is very common for U.S.-based investors and has been rewarded over the last decade. The flip side is that results are more closely tied to U.S. economic conditions, policies, and the dollar, with a smaller role played by other regions.
Market capitalization
- Mega-cap 37%
- Large-cap 33%
- Mid-cap 22%
- Small-cap 6%
- Micro-cap 1%
By market capitalization, this portfolio is led by mega-cap and large-cap companies, which together make up about 70% of the exposure. Mid-caps contribute around 22%, with smaller roles for small- and micro-caps. This is very similar to a typical market-weighted equity index, where the giants naturally dominate because of their size. Larger companies often bring more stable business models and deeper liquidity, which can moderate some volatility, while mid- and small-caps add some extra growth and diversification. The cap mix here suggests behavior that’s mainly driven by big, well-known names, with a secondary influence from the mid- and small-cap segment.
True holdings
-
NV NVIDIA Corporation 4.89%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
-
AA Apple Inc. 4.21%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
-
MS Microsoft Corporation 3.43%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
-
AM Amazon.com Inc 2.53%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class A 2.00%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
-
AV Broadcom Inc 1.75%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class C 1.60%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
-
ME Meta Platforms Inc. 1.22%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
-
BR Berkshire Hathaway Inc 1.11%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Value ETF
-
JP JPMorgan Chase & Co 1.11%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Value ETF
- Top 10 total 23.85%
Looking through the ETFs’ top holdings, there is clear concentration in a handful of very large U.S. companies. NVIDIA, Apple, and Microsoft together make up over 12% of the portfolio, and the top 10 underlying names exceed 23% collectively. Several appear across multiple funds, which is typical when using broad market and large-cap style ETFs together. Because this analysis only captures ETF top-10 lists, actual overlap is likely somewhat higher. That means headline diversification across funds masks some “hidden” concentration in the biggest global tech and growth-oriented companies, which can have an outsized impact when they move sharply.
Factors
Factor exposure is very balanced: value, size, momentum, quality, yield, and low volatility all sit near the neutral 50% mark. Factor exposure is just a way of describing how much the portfolio leans into certain characteristics that academic research links to returns, like cheapness (value) or stability (low volatility). Here, no factor is standing out as a strong tilt either toward or away. That implies the portfolio behaves much like a broad, market-like index from a factor perspective. In practice, this means its performance swings are more likely to track broad market cycles rather than being driven by a specific style bet.
Risk contribution
-
Schwab U.S. Broad Market ETF
Weight: 40.00% 41.4% -
Schwab U.S. Large-Cap Growth ETF
Weight: 20.00% 23.2% -
Schwab U.S. Large-Cap Value ETF
Weight: 20.00% 17.9% -
Schwab International Equity ETF
Weight: 10.00% 8.7% -
Schwab International Small-Cap Equity ETF
Weight: 5.00% 4.5% - Top 5 risk contribution 95.6%
Risk contribution shows how much each holding adds to the portfolio’s overall ups and downs, which can differ from its weight. The broad U.S. market ETF is 40% of the portfolio and contributes about 41% of the risk, almost one-to-one. The large-cap growth ETF is 20% of the allocation but drives over 23% of risk, reflecting its slightly higher volatility. Meanwhile, the large-cap value and international funds contribute a bit less risk than their weights. The top three positions together account for over 82% of total risk. That’s consistent with a concentrated core, where most of the ride comes from a few main engines.
Redundant positions
-
High correlationSchwab U.S. Large-Cap Growth ETFSchwab U.S. Broad Market ETF
-
High correlationSchwab International Small-Cap Equity ETFSchwab International Equity ETF
The correlation data shows some pairs moving almost in lockstep, especially the U.S. broad market ETF with the U.S. large-cap growth ETF, and the two international equity ETFs with each other. Correlation measures how often and how strongly returns move together; when it’s high, assets tend to rise and fall at the same time, limiting diversification benefits in big market swings. In this portfolio, high correlation within U.S. funds and within international funds is expected since they track similar markets. The main diversification benefit is more likely coming from differences between U.S. and non-U.S. holdings rather than between similar regional funds.
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.
On the risk–return chart, the current portfolio sits on or very near the efficient frontier, which is the curve showing the best possible return for each risk level using these same holdings in different mixes. Its Sharpe ratio of 0.6 is lower than the max-Sharpe “optimal” mix at 0.85, but that optimal setup also uses higher risk. The minimum-variance version has slightly lower risk with a somewhat better Sharpe than the current mix. Since the current point is already close to the frontier, the allocation is considered efficient for its chosen risk level. Any further tweaks would be more about preference than fixing obvious inefficiencies.
Dividends
- Schwab U.S. Broad Market ETF 1.00%
- Schwab International Small-Cap Equity ETF 3.30%
- Schwab Emerging Markets Equity ETF 2.60%
- Schwab International Equity ETF 3.00%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Schwab U.S. Large-Cap Value ETF 1.70%
- Weighted yield (per year) 1.42%
The overall dividend yield of the portfolio is about 1.42%, coming from a blend of lower-yielding U.S. growth stocks and higher-yielding international and emerging markets exposures. Yield here is the cash payout as a percentage of the current investment value. Most of the income uplift comes from the international equity and small-cap/emerging markets funds, which tend to distribute more than U.S. growth names. For a 100% equity portfolio, this is a moderate yield level and in line with many broad stock indices. Historically, dividends have been an important part of total return, even when they look modest in any single year.
Ongoing product costs
- Schwab U.S. Broad Market ETF 0.03%
- Schwab International Small-Cap Equity ETF 0.11%
- Schwab Emerging Markets Equity ETF 0.11%
- Schwab International Equity ETF 0.06%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Schwab U.S. Large-Cap Value ETF 0.04%
- Weighted costs total (per year) 0.04%
Costs are a clear strength here. The total expense ratio (TER) across the portfolio comes out to about 0.04% per year, thanks to the use of Schwab’s low-cost index ETFs. TER is the ongoing annual fee taken by the fund manager, and while it looks tiny in any given year, it compounds over time. This fee level is well below many actively managed funds and even cheaper than some other index options. Low costs mean more of the gross return stays in the portfolio, which quietly supports better long-term outcomes. The fee structure here is very well-aligned with best practices for cost-efficient investing.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
Compare your holdings
How much do the funds you hold actually overlap with the ones people weigh them against?
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey