A US focused stock portfolio blending growth mega caps high income and low cost index exposure
Report created on Mar 17, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 76.26% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 9.72% -
QQ NEOS Nasdaq 100 High Income ETF
QQQI - US78433H6751 6.45% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 3.82% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 3.75%
The structure is dominated by one broad US fund at over three quarters of the portfolio, with a smaller slice in international stocks and a few focused US strategies layered on top. This creates a clear “core and satellite” setup, where one main fund drives most behavior and the others fine tune income and growth tilts. That’s useful because it keeps things simple while still allowing some customization. However, the heavy tilt to a single core fund means most outcomes will track broad US markets. To smooth the ride and better match a balanced profile, gradually building more ballast such as defensive or stabilizing assets could make the overall mix more resilient.
Growth
Using a simple example, a 10,000 dollar starting investment that matched this mix historically would have grown very strongly given the 17.11 percent compound annual growth rate, or CAGR, which measures average yearly growth like speed over a long road trip. Returns also beat many blended benchmarks that hold more bonds, thanks to the strong run in US stocks and especially mega cap names. The max drawdown of about minus 18 percent is actually moderate for an almost all stock allocation, indicating relatively contained downside so far. Still, performance has been achieved during a very favorable period for US equities, so it’s worth remembering that future returns could be bumpier and not as generous.
Projection
The Monte Carlo analysis uses many simulated paths based on historical data to estimate a range of possible future outcomes, like running thousands of alternate “weather forecasts” for the portfolio. Here, all 1,000 simulations showed positive returns, with a median outcome of more than eight times the starting value and a 5th percentile over tripling. The average simulated return of about 18.5 percent is very strong. Still, these projections rely heavily on past patterns, which may not repeat, especially if future equity returns are lower. Using the projections as rough scenarios rather than promises, an investor might plan assuming something closer to the middle to lower end of the range to avoid overcommitting based on optimistic results.
Asset classes
- Stocks 99%
Nearly all assets sit in stocks, with effectively zero in bonds or cash. That’s more aggressive than a typical balanced profile, which often blends stocks with meaningful portions of steadier assets. A stock heavy mix can be great for long term growth because it fully harnesses equity upside, but it also leaves the portfolio more exposed during sharp market drops or prolonged bear markets. This allocation is well balanced across different stock types but not across asset classes. To move closer to a classic balanced posture, gradually introducing a modest slice of more stable assets over time could help reduce volatility without completely sacrificing growth potential.
Sectors
- Technology 33%
- Financials 12%
- Telecommunications 11%
- Consumer Discretionary 11%
- Health Care 9%
- Industrials 8%
- Consumer Staples 6%
- Energy 4%
- Basic Materials 2%
- Utilities 2%
- Real Estate 2%
Sector exposure is dominated by technology, followed by financials, communication services, consumer cyclicals, and healthcare. This pattern closely resembles common broad US benchmarks, which is a positive sign for diversification across the economy. The tech and communication tilt lines up with the strong mega cap holdings and can boost returns in growth friendly environments, but it can also lead to sharper swings when interest rates rise or when sentiment turns against growth companies. Because the sector breakdown is already reasonably aligned with major indexes, any tweaks could be subtle, such as slightly increasing more defensive areas during times of uncertainty rather than attempting big sector bets.
Regions
- North America 91%
- Europe Developed 4%
- Asia Emerging 2%
- Japan 1%
- Asia Developed 1%
Geographically, about 91 percent is in North America, with only a small slice in developed Europe and minimal exposure to Asia and Japan. This home country tilt is very common for US based investors and has worked well over the last decade as US markets outperformed many others. At the same time, such a strong domestic focus means outcomes depend heavily on one region’s economic and policy environment. Your portfolio’s geographic mix is moderately diversified but could benefit from more global balance. Shifting a bit more weight toward international holdings over time can reduce reliance on the US alone, while still keeping North America as the main growth engine.
Market capitalization
- Mega-cap 45%
- Large-cap 35%
- Mid-cap 18%
- Small-cap 1%
Market capitalization, which groups companies by size, is heavily tilted to mega and big caps, with almost no small cap exposure. Large companies tend to be more stable, widely followed, and often dominate indexes, so this kind of tilt usually delivers smoother rides than small cap heavy portfolios. It also means returns are closely tied to the largest corporate names, which matches the observed concentration in big US tech and growth leaders. This allocation is well balanced and aligns closely with global standards for broad equity exposure. For an extra growth kicker and diversification, a modest increase in mid or small caps could be considered, but it isn’t strictly necessary given the already strong core.
True holdings
-
NV NVIDIA Corporation 6.97%
Part of fund(s):- NEOS Nasdaq 100 High Income ETF
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
AA Apple Inc 5.78%
Part of fund(s):- NEOS Nasdaq 100 High Income ETF
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
MS Microsoft Corporation 4.78%
Part of fund(s):- NEOS Nasdaq 100 High Income ETF
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
AM Amazon.com Inc 3.48%
Part of fund(s):- NEOS Nasdaq 100 High Income ETF
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.93%
Part of fund(s):- NEOS Nasdaq 100 High Income ETF
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 2.42%
Part of fund(s):- NEOS Nasdaq 100 High Income ETF
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
AV Broadcom Inc 2.37%
Part of fund(s):- NEOS Nasdaq 100 High Income ETF
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 2.37%
Part of fund(s):- NEOS Nasdaq 100 High Income ETF
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
TS Tesla Inc 1.96%
Part of fund(s):- NEOS Nasdaq 100 High Income ETF
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
LL Eli Lilly and Company 1.17%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 34.23%
Looking through the ETFs to their top holdings, exposure is concentrated in the biggest US names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Meta. Together, these top names form a substantial slice of the total portfolio, even though they’re held only via funds. This overlap means that when large US growth companies do well, the portfolio can outperform more diversified mixes. But it also means a setback in a handful of mega caps could drag results more than expected. Because look through data only uses top ten holdings, some overlap is understated, so treating this concentration as a deliberate tilt and monitoring it over time is sensible.
Factors
Factor exposure, which measures how much the portfolio leans into specific return drivers like value, size, momentum, quality, low volatility, and yield, shows strong tilts toward yield, low volatility, value, and decent momentum. Think of factors as the underlying ingredients that explain why certain investments behave the way they do. Yield and low volatility tilts can support steadier income and smoother returns, while value exposure can help in periods when cheaper stocks rebound. Momentum tends to help when trends persist but can lag during sharp reversals. Signal coverage is only partial, so some readings are less precise, yet the mix suggests a blend of income, relative stability, and some trend following, which is a solid combination for risk aware growth.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 76.26% 78.3% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 9.72% 7.5% -
NEOS Nasdaq 100 High Income ETF
Weight: 6.45% 7.0% -
Schwab U.S. Large-Cap Growth ETF
Weight: 3.75% 4.9% -
Schwab U.S. Dividend Equity ETF
Weight: 3.82% 2.3%
Risk contribution, which shows how much each holding adds to overall ups and downs, is dominated by the main US index fund, responsible for over three quarters of both weight and risk. The next largest drivers are the Nasdaq income ETF and the growth ETF, with the dividend fund adding relatively little volatility compared to its size. When the top three holdings contribute more than 90 percent of total risk, the portfolio’s fate is largely tied to them. This isn’t inherently bad, since they’re diversified funds, but it does reduce the impact of smaller satellites. If a more even risk spread is desired, modestly trimming overlapping growth heavy funds or boosting stabilizing positions could help.
Redundant positions
-
High correlationNEOS Nasdaq 100 High Income ETFSchwab U.S. Large-Cap Growth ETFVanguard S&P 500 ETF
The correlation analysis shows that the Nasdaq high income, the large cap growth fund, and the main S&P 500 ETF move very similarly over time. Correlation describes how assets move together: a value near one means they often rise and fall in tandem, limiting diversification. In this case, the overlapping behavior suggests that owning all three mainly layers on extra exposure to similar drivers rather than meaningfully spreading risk. Before making any big changes, it’s useful to decide whether this overlap is intentional to emphasize US growth stocks. If not, simplifying and reducing duplication might improve clarity and make any future allocation tweaks easier to manage.
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.
Risk versus return analysis suggests there is room to move closer to the Efficient Frontier, which is the combination of the existing holdings that offers the best ratio of expected return to risk. Efficiency here doesn’t necessarily mean more diversification or lower drawdowns, just a better trade off for the same ingredients. The analysis indicates that a slightly more efficient mix could reach an expected return of about 18.22 percent at the current risk level, and that the optimal point would sit at a similar return with lower volatility. To move in that direction, streamlining overlapping funds and fine tuning position sizes while keeping the same building blocks would be the key levers.
Dividends
- NEOS Nasdaq 100 High Income ETF 14.30%
- Schwab U.S. Dividend Equity ETF 3.40%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 3.10%
- Weighted yield (per year) 2.21%
The overall dividend yield of about 2.21 percent comes from a mix of modest payouts from broad index funds, a dedicated dividend ETF, and a very high income Nasdaq strategy. Dividends provide a steady cash stream that can be reinvested for compounding or used for spending needs, which is particularly helpful for investors who value regular income. The extremely high yield on the Nasdaq income ETF likely reflects an options based approach, which can trade some future upside for current cash. That can work well if the goal is income, but it’s worth keeping an eye on how this strategy behaves in rough markets and whether the yield justifies the potential trade offs.
Ongoing product costs
- NEOS Nasdaq 100 High Income ETF 0.68%
- Schwab U.S. Dividend Equity ETF 0.06%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.08%
Costs are impressively low, with a total expense ratio around 0.08 percent, mainly driven by ultra cheap core index funds and a single higher cost income product. Fees may seem small, but over many years they can significantly affect net returns, much like friction slows a moving object. This cost structure is well aligned with best practices and supports better long term performance, especially when combined with a mostly passive approach. The slightly higher fee on the income ETF may be reasonable if the specialized strategy delivers the desired cash flow. Periodically checking whether each fund’s role still justifies its cost can help keep the overall fee level lean without sacrificing important portfolio functions.
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