Highly US focused equity portfolio with broad index funds and modest bond exposure
Report created on Jul 25, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund Admiral Shares
VTSAX - US9229087286 48.84% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 13.89% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 8.61% -
SC Schwab U.S. Broad Market ETF
SCHB - US8085241029 6.23% -
VB Vanguard Balanced Index Fund Admiral Shares
VBIAX - US9219312009 5.01% -
BR Berkshire Hathaway Inc
BRK-B - US0846707026 4.83% -
SC Schwab International Equity ETF
SCHF - US8085248057 4.57% -
SO Invesco PHLX Semiconductor ETF
SOXQ - US46138G6153 3.61% -
VU Vanguard Growth Index Fund ETF Shares
VUG - US9229087369 1.83% -
SC Schwab U.S. Large-Cap ETF
SCHX - US8085242019 1.22% -
NV NVIDIA Corporation
NVDA - US67066G1040 1.04% -
SC Schwab U.S. Small-Cap ETF
SCHA - US8085246077 0.32%
This portfolio is heavily built around broad US equity index funds, with almost half in a single total US stock mutual fund and another chunk in its ETF twin. Smaller positions in US and international ETFs, a balanced fund, and two individual stocks round it out. In practice, this means most of the portfolio is tracking the overall stock market rather than narrowly focused themes. A small slice is in a balanced fund that mixes stocks and bonds, slightly softening the all‑equity profile. Overall, the structure looks simple and index‑driven, which tends to keep things transparent: performance mainly follows how stock markets do rather than manager decisions.
Growth
From mid‑2021 to mid‑2026, $1,000 grew to about $1,891, which translates to a compound annual growth rate (CAGR) of 13.35%. CAGR is like your average speed on a long road trip, smoothing out all the bumps. That return slightly beat the US market benchmark and clearly beat the global market benchmark over this period. The portfolio’s worst drop from peak to trough (max drawdown) was about ‑26%, similar to global markets and a bit deeper than the US market. It then took over a year to fully recover. This shows a solid historical return profile, but with meaningful swings that are typical for equity‑heavy portfolios.
Projection
The Monte Carlo projection uses thousands of simulated paths based on historical risk and return to estimate a range of possible 15‑year outcomes. Think of it as rolling the dice 1,000 times using the portfolio’s past volatility as a guide, then seeing where $1,000 often ends up. The median outcome is around $2,663, with a central band from about $1,794 to $3,929. There’s still a wide possible range, from roughly breaking even to more than seven‑fold growth. These numbers are not predictions, just scenarios using past data, and they remind us that long‑term outcomes can vary a lot even with the same starting portfolio.
Asset classes
- Stocks 98%
- Bonds 2%
By asset class, this is essentially an equity portfolio: about 98% in stocks and only around 2% in bonds through the balanced fund. Stocks are the main long‑term growth engine, but they also drive most of the ups and downs. That small bond slice offers only limited shock‑absorber effect, so overall behavior will be close to a pure stock portfolio, especially during market stress. Compared with many broad “balanced” mixes, which often hold a much larger bond stake, this setup leans clearly toward growth over stability. The historical drawdown numbers already show how that plays out in real markets: strong returns, paired with noticeable declines at times.
Sectors
- Technology 34%
- Financials 17%
- Industrials 10%
- Telecommunications 8%
- Health Care 8%
- Consumer Discretionary 5%
- Consumer Staples 4%
- Energy 3%
- Consumer Discretionary 3%
- Basic Materials 2%
- Utilities 2%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Sector‑wise, the portfolio tilts strongly toward technology at 34%, followed by financials and industrials. Other areas like health care, telecommunications, consumer‑related sectors, energy, materials, utilities, and real estate are represented but each in smaller slices. This pattern is common for broad market indices today, where tech has grown into a large share of total market value. A tech‑heavy mix can benefit when innovation and growth stocks are in favor, but it may feel more volatile during periods of rising interest rates or when sentiment turns against high‑growth companies. The presence of multiple other sectors helps, but tech clearly sets a lot of the tone here.
Regions
- North America 87%
- Europe Developed 6%
- Asia Developed 2%
- Japan 2%
- Asia Emerging 1%
- Australasia 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, the portfolio is dominated by North America at about 87%, with relatively modest exposure to Europe, Japan, and other developed and emerging regions. This is a classic “home bias” pattern, common for US‑based investors, and also reflects that US stocks make up a large share of global market capitalization. The upside is direct alignment with US economic and currency outcomes, which have been strong in recent years. The flip side is that events affecting the US market will strongly influence total portfolio behavior, since only a small slice is tied to other economies. Compared to global market allocations, non‑US exposure here is clearly underweight.
Market capitalization
- Mega-cap 44%
- Large-cap 28%
- Mid-cap 17%
- Small-cap 5%
- Micro-cap 2%
This breakdown covers the equity portion of your portfolio only.
By market capitalization, the portfolio is tilted toward mega‑ and large‑cap stocks, with some mid‑cap and smaller slices in small‑ and micro‑caps. This mirrors how broad market indices are constructed: bigger companies naturally occupy more weight. Large firms tend to be more diversified and stable businesses, while smaller companies can be more volatile but also more sensitive to economic cycles. The modest small‑ and micro‑cap exposure introduces some extra growth and risk potential without dominating overall behavior. Overall, this size mix looks close to a standard market‑weighted profile, which helps keep the portfolio’s behavior in line with broad equity benchmarks rather than niche size tilts.
True holdings
-
Part of fund(s):
- Schwab U.S. Large-Cap ETF
-
Part of fund(s):
- Invesco PHLX Semiconductor ETF
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap ETF
- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc. 1.52%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap ETF
- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 0.98%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap ETF
- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 0.87%
Part of fund(s):- Invesco PHLX Semiconductor ETF
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap ETF
- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 0.78%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap ETF
- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 0.76%
Part of fund(s):- Invesco PHLX Semiconductor ETF
- Schwab U.S. Broad Market ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 0.72%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap ETF
- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 0.57%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap ETF
- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.45%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap ETF
- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 14.48%
This breakdown covers the equity portion of your portfolio only.
The look‑through view highlights Berkshire Hathaway and NVIDIA as notable underlying exposures, appearing directly and via ETFs. Berkshire sits near 5% overall, mostly as a direct stock, while NVIDIA totals about 3% combining the single‑stock position and ETF exposure. Several other large tech and platform companies show up through ETF top‑10s, but with smaller direct influence. Because only ETF top‑10 holdings are included, actual overlap is likely higher under the surface. Hidden overlaps matter because they can quietly concentrate risk in a few big names even when the portfolio looks diversified by fund count. Here, that concentration is visible but still centered in well‑known broad market leaders.
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 is broadly neutral across all six measured dimensions: value, size, momentum, quality, yield, and low volatility. Factors are like underlying “personality traits” of stocks that help explain why they behave differently over time. A strongly tilted portfolio might, for example, load up on cheap “value” names or high‑momentum winners. In this case, exposures all sit around the 50% mark, which is defined as market‑like. That means the portfolio’s return pattern is likely to follow the broad market, rather than strongly benefiting or suffering when any particular factor is in or out of favor. This is consistent with its heavy use of total‑market index funds.
Risk contribution
-
Vanguard Total Stock Market Index Fund Admiral Shares
Weight: 48.84% 49.7% -
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 13.89% 14.2% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 8.61% 7.0% -
Invesco PHLX Semiconductor ETF
Weight: 3.61% 6.7% -
Schwab U.S. Broad Market ETF
Weight: 6.23% 6.3% - Top 5 risk contribution 83.9%
Risk contribution shows how much each holding adds to total portfolio volatility, which can differ from its weight. The main total US stock mutual fund and its ETF counterpart together account for over 60% of risk, very close to their combined weight, so they behave as “what you see is what you get.” The semiconductor ETF is more interesting: at about 3.6% weight, it contributes roughly 6.7% of risk, almost double on a relative basis. That reflects the higher volatility often seen in niche or sector‑specific funds. With the top three holdings driving around 71% of risk, most of the portfolio’s ups and downs come from a small core.
Redundant positions
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High correlationVanguard Total Stock Market Index Fund ETF SharesVanguard Balanced Index Fund Admiral SharesVanguard Growth Index Fund ETF SharesSchwab U.S. Broad Market ETFSchwab U.S. Large-Cap ETFVanguard Total Stock Market Index Fund Admiral Shares
-
High correlationVanguard Total International Stock Index Fund ETF SharesSchwab International Equity ETF
The correlation data shows many holdings moving almost in lockstep, especially the broad US equity funds from Schwab and Vanguard, plus the growth ETF and the balanced fund. Correlation describes how assets move together: a value near 1 means they typically rise and fall at the same time. Here, the strong overlap makes sense since these funds all track very similar US market segments. International equity funds also show high correlation with each other. This pattern means that, in a downturn, most of these holdings are likely to be pulled in the same direction, limiting diversification benefits. The main diversification levers here come from geography and the small bond slice, not from uncorrelated stock strategies.
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 plots the current portfolio alongside two special mixes: the minimum variance portfolio (lowest possible risk with these holdings) and the “optimal” portfolio with the highest Sharpe ratio. The Sharpe ratio is a simple way to measure return per unit of risk after accounting for a risk‑free rate. The current Sharpe of 0.55 is decent but sits below the efficient frontier by about 5.7 percentage points at its risk level. That means, using only the same ingredients but different weights, it would have been possible historically to achieve a better risk/return balance. The minimum‑risk mix is gentler but lower‑return; the optimal one is much more aggressive.
Dividends
- NVIDIA Corporation 0.10%
- Schwab U.S. Small-Cap ETF 1.10%
- Schwab U.S. Broad Market ETF 1.10%
- Schwab International Equity ETF 3.10%
- Schwab U.S. Large-Cap ETF 1.00%
- Invesco PHLX Semiconductor ETF 0.30%
- Vanguard Balanced Index Fund Admiral Shares 5.40%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total Stock Market Index Fund Admiral Shares 1.10%
- Vanguard Growth Index Fund ETF Shares 0.40%
- Vanguard Total International Stock Index Fund ETF Shares 2.60%
- Weighted yield (per year) 1.43%
The portfolio’s overall dividend yield is about 1.43%, which is modest and in line with many growth‑tilted equity mixes. Yield here is the cash paid out as dividends each year divided by the portfolio value. Most broad US equity funds sit around the 1–1.1% range, with international stocks and the balanced fund contributing higher yields, especially the latter at over 5%. The presence of NVIDIA and semiconductor exposure, which pay low dividends, anchors the growth‑oriented side. In practice, this means that most of the portfolio’s long‑term return is expected to come from price changes rather than income, while dividends add a small but steady component.
Ongoing product costs
- Schwab U.S. Small-Cap ETF 0.04%
- Schwab U.S. Broad Market ETF 0.03%
- Schwab International Equity ETF 0.06%
- Schwab U.S. Large-Cap ETF 0.03%
- Invesco PHLX Semiconductor ETF 0.19%
- Vanguard Balanced Index Fund Admiral Shares 0.07%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total Stock Market Index Fund Admiral Shares 0.04%
- Vanguard Growth Index Fund ETF Shares 0.04%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
Costs are notably low: the total expense ratio (TER) for the blended portfolio is around 0.04% per year. TER is the annual fee charged by funds as a percentage of assets, quietly deducted in the background. Here, the heavy use of large, low‑cost index funds from Vanguard and Schwab keeps expenses very lean. Even the sector ETF’s higher 0.19% fee is small in the context of its modest weight. This cost profile is a real strength because fees compound over time just like returns do. Keeping them this low means more of the portfolio’s performance stays in the account instead of going to fund providers.
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