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Concentrated US equity portfolio blending dividends growth and modest precious metals exposure

Report created on Apr 24, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is almost entirely built from equity ETFs, with a small slice in gold and silver. The largest pieces are a US dividend ETF, a tech-heavy growth ETF, and broad US market ETFs, together making up nearly half the portfolio. Around a quarter is in more focused segments like aerospace and defense, consumer staples, and health care. A smaller portion goes to a covered-call income ETF and a global equity ETF, adding some income and global reach. The small gold and silver positions add a non‑stock component. Overall, the structure leans clearly toward US stocks with a mix of income, growth, and a touch of defensiveness.

Growth Info

From mid‑2020 to April 2026, $1,000 in this portfolio grew to about $2,543, a compound annual growth rate (CAGR) of 17.19%. CAGR is the “average speed” of growth per year, smoothing out ups and downs. That result slightly lagged the US market benchmark but beat the global market benchmark over this period. The worst peak‑to‑trough fall, or max drawdown, was about ‑21%, milder than both benchmarks, which fell more. It took roughly 15 months to recover from that drop, which is a fairly typical healing time for equity-heavy portfolios after a sizeable setback. Only 37 days made up 90% of returns, highlighting how a few strong days can drive long‑term results.

Projection Info

The Monte Carlo projection looks forward 15 years by running 1,000 simulations based on historical behavior. Monte Carlo is like repeatedly “re‑rolling” market paths using the same volatility and return patterns to see a range of potential outcomes, not a single forecast. The median outcome turns $1,000 into about $2,622, with a wide middle range from roughly $1,747 to $3,878. In more extreme but still plausible cases, results span from around $1,031 to $7,312. The average simulated annual return of 7.84% is much lower than the recent historical CAGR, underlining that past strong performance is no guarantee of similar future results, especially after an unusually good period for equities.

Asset classes Info

  • Stocks
    96%
  • Other
    4%

Asset class exposure is very straightforward: about 96% in stocks and roughly 4% in “other,” mainly precious metals. That makes this portfolio strongly equity-driven, so long‑term returns will mostly follow stock markets rather than bonds or cash. Relative to a typical diversified multi‑asset setup, there is very little in fixed income, which usually dampens volatility and drawdowns. The small allocation to gold and silver plays a different role: these can sometimes zig when stocks zag, though at other times they move together. This equity-heavy mix aligns with the “Balanced” label only in the sense that diversification comes from different types of stocks and sectors rather than from shifting heavily into bonds.

Sectors Info

  • Technology
    23%
  • Industrials
    17%
  • Health Care
    15%
  • Consumer Staples
    14%
  • Telecommunications
    7%
  • Consumer Discretionary
    7%
  • Financials
    6%
  • Energy
    4%
  • Utilities
    1%
  • Basic Materials
    1%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is well spread but with clear tilts. Technology is largest at about 23%, followed by industrials at 17%, health care at 15%, and consumer staples at 14%. Compared with a broad US index, this mix leans more into industrials and staples, and less into areas like real estate and utilities. Tech and industrials can benefit from innovation and spending cycles but may feel more impact when growth expectations or interest rates change. Health care and staples tend to be steadier, as people need their products in most environments. This blend supports both growth and defensiveness, and the sector spread is reasonably diversified with no single sector dominating in an extreme way.

Regions Info

  • North America
    94%
  • Europe Developed
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, the portfolio is overwhelmingly focused on North America at 94%, with only a tiny allocation to developed Europe and minimal exposure elsewhere via the global ETF. That means the portfolio’s fortunes are very closely tied to the US economy, US corporate earnings, and the US dollar. Many global benchmarks allocate a noticeably larger share to non‑US markets, so this is a clear home‑country tilt. When US markets outperform the world, this concentration helps. When other regions lead or the dollar weakens, the portfolio will capture much less of that. The structure keeps things simple, but geographic diversification is modest despite the presence of a total world ETF.

Market capitalization Info

  • Large-cap
    45%
  • Mega-cap
    28%
  • Mid-cap
    18%
  • Small-cap
    3%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

Market capitalization exposure is heavily skewed toward the biggest companies: about 28% in mega‑caps and 45% in large‑caps. Mid‑caps add 18%, with only small slices in small‑ and micro‑caps. Large and mega companies often have more stable earnings, deeper liquidity, and broader analyst coverage, which can translate into somewhat smoother rides than pure small‑cap portfolios. On the flip side, smaller companies can sometimes grow faster in strong economic periods but also swing more in downturns. This size mix is similar to broad US indices, which are also dominated by large firms, so the portfolio behaves more like a mainstream large‑cap equity allocation rather than a high‑risk small‑cap tilt.

True holdings Info

  • NVIDIA Corporation
    3.84%
    Part of fund(s):
    • Invesco QQQ Trust
    • JPMorgan Equity Premium Income ETF
    • SPDR S&P 500 ETF Trust
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Apple Inc
    3.42%
    Part of fund(s):
    • Invesco QQQ Trust
    • SPDR S&P 500 ETF Trust
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Microsoft Corporation
    2.61%
    Part of fund(s):
    • Invesco QQQ Trust
    • SPDR S&P 500 ETF Trust
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • GE Aerospace
    2.20%
    Part of fund(s):
    • iShares U.S. Aerospace & Defense ETF
  • Amazon.com Inc
    1.84%
    Part of fund(s):
    • Invesco QQQ Trust
    • JPMorgan Equity Premium Income ETF
    • SPDR S&P 500 ETF Trust
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Raytheon Technologies Corp
    1.83%
    Part of fund(s):
    • iShares U.S. Aerospace & Defense ETF
  • Walmart Inc.
    1.76%
    Part of fund(s):
    • Fidelity® MSCI Consumer Staples Index ETF
    • Invesco QQQ Trust
    • Vanguard Dividend Appreciation Index Fund ETF Shares
  • Alphabet Inc Class A
    1.57%
    Part of fund(s):
    • Invesco QQQ Trust
    • JPMorgan Equity Premium Income ETF
    • SPDR S&P 500 ETF Trust
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Broadcom Inc
    1.56%
    Part of fund(s):
    • Invesco QQQ Trust
    • JPMorgan Equity Premium Income ETF
    • SPDR S&P 500 ETF Trust
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • The Coca-Cola Company
    1.35%
    Part of fund(s):
    • Fidelity® MSCI Consumer Staples Index ETF
    • Schwab U.S. Dividend Equity ETF
  • Top 10 total 21.98%

This breakdown covers the equity portion of your portfolio only.

Looking through ETF top holdings, several big names recur across multiple funds. NVIDIA, Apple, and Microsoft together represent almost 10% of the portfolio when aggregated. Other repeat appearances include Amazon, Alphabet, Broadcom, and large defensive names like Walmart and Coca‑Cola. Because only top‑10 ETF positions are captured, actual overlap is probably higher than shown. This overlap means the portfolio is more concentrated in a handful of mega‑cap leaders than the fund list alone suggests. When these large companies do well, performance may feel stronger than a purely equal‑weight approach; if they struggle, multiple ETFs can be hit at the same time, amplifying their impact beyond any single fund’s weight.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 81%
Size
Exposure to smaller companies
Neutral
Data availability: 96%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 81%
Quality
Preference for financially healthy companies
Neutral
Data availability: 81%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 100%

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 exposures are mostly close to neutral across value, size, momentum, quality, and yield, suggesting the portfolio behaves similarly to the broad market on these dimensions. Factor exposure describes how much the portfolio leans into traits like cheapness (value) or recent winners (momentum) that academic research links to returns. The one notable tilt is toward low volatility, at 61%, slightly above the market baseline of 50%. That means the holdings, as a group, have historically been somewhat less jumpy than the market, helped by dividend and defensive sector exposures. In calm markets, this may not stand out, but during turbulence a mild low‑volatility tilt can translate into shallower swings relative to more aggressive growth‑only approaches.

Risk contribution Info

  • Invesco QQQ Trust
    Weight: 15.07%
    20.1%
  • Schwab U.S. Dividend Equity ETF
    Weight: 19.26%
    16.8%
  • Vanguard S&P 500 ETF
    Weight: 14.94%
    16.5%
  • iShares U.S. Aerospace & Defense ETF
    Weight: 11.64%
    12.8%
  • Vanguard Growth Index Fund ETF Shares
    Weight: 6.71%
    8.9%
  • Top 5 risk contribution 75.0%

Risk contribution shows how much each position drives the portfolio’s ups and downs, which can differ from simple weights. Here, Invesco QQQ is 15% of assets but about 20% of total risk, a risk/weight ratio of 1.33. The Vanguard growth ETF is similar, with a higher share of risk than weight. By contrast, the large Schwab dividend ETF contributes slightly less risk than its size suggests, reflecting steadier behavior. The top three holdings together account for about 53% of overall portfolio volatility. This means a relatively small part of the lineup drives more than half of the day‑to‑day movement, an important reminder that position risk is shaped by both size and volatility.

Redundant positions Info

  • Vanguard Growth Index Fund ETF Shares
    Invesco QQQ Trust
    High correlation
  • Vanguard Total World Stock Index Fund ETF Shares
    SPDR S&P 500 ETF Trust
    Vanguard S&P 500 ETF
    High correlation

Several ETF pairs in the portfolio move almost identically, reflecting their similar underlying indices. The S&P 500 ETF and its SPDR twin are highly correlated, as expected since they track the same benchmark. The total world ETF also closely tracks these two, showing that its non‑US slice has not greatly changed its behavior versus US‑only exposure in recent history. In addition, the QQQ and Vanguard growth ETF behave very similarly, as both tilt heavily toward large‑cap US growth stocks. High correlation is normal for funds following similar markets, but it also means that, during downturns, these positions are likely to fall together, limiting diversification benefits despite holding multiple tickers.

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.

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The efficient frontier analysis compares this portfolio’s risk and return to the best mix possible using the same holdings. The Sharpe ratio, which measures return per unit of risk after accounting for a risk‑free rate, is 0.88 for the current allocation. The maximum‑Sharpe mix using these same ETFs would reach a Sharpe of 1.39 with slightly higher return and lower risk, while the minimum‑variance mix offers much lower volatility with a still solid Sharpe. Because the current portfolio sits about 4.3 percentage points below the efficient frontier at its risk level, the data suggests that a different weighting of the existing funds could improve the risk/return trade‑off, without adding or removing any holdings.

Dividends Info

  • Fidelity® MSCI Health Care Index ETF 1.40%
  • Fidelity® MSCI Consumer Staples Index ETF 2.20%
  • iShares U.S. Aerospace & Defense ETF 0.50%
  • JPMorgan Equity Premium Income ETF 8.30%
  • Invesco QQQ Trust 0.40%
  • Schwab U.S. Dividend Equity ETF 3.40%
  • SPDR S&P 500 ETF Trust 0.80%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 1.50%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total World Stock Index Fund ETF Shares 1.70%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Weighted yield (per year) 1.62%

The overall dividend yield is about 1.62%, a mix of moderate payouts from broad market and dividend ETFs plus a very high yield from the equity premium income ETF. Dividend yield measures the cash paid out each year as a percentage of the investment value. Here, growth‑oriented funds like QQQ and the Vanguard growth ETF offer low yields, while the Schwab dividend fund and dividend appreciation ETF provide more meaningful income. The equity premium income ETF’s higher yield is partly due to its options strategy, which trades away some upside for more consistent cash flow. Overall, dividends contribute a noticeable but not dominant share of expected total return, with growth still a key driver.

Ongoing product costs Info

  • Fidelity® MSCI Health Care Index ETF 0.08%
  • Fidelity® MSCI Consumer Staples Index ETF 0.08%
  • SPDR Gold Mini Shares 0.10%
  • iShares U.S. Aerospace & Defense ETF 0.40%
  • JPMorgan Equity Premium Income ETF 0.35%
  • Invesco QQQ Trust 0.20%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • iShares Silver Trust 0.50%
  • SPDR S&P 500 ETF Trust 0.10%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 0.06%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Weighted costs total (per year) 0.14%

The portfolio’s total expense ratio (TER) is around 0.14%, which is impressively low for an ETF mix with sector tilts and income strategies. TER is the annual fee charged by funds, expressed as a percentage of assets. Most holdings sit in the 0.03–0.10% range, with only a few specialized funds, such as aerospace and precious metals, charging more. Over long periods, lower fees mean more of the portfolio’s gross return stays in the investor’s hands instead of going to fund providers. Relative to many actively managed or higher‑cost thematic products, this cost structure is lean and supports better long‑term compounding without sacrificing access to specific sectors or strategies.

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