Balanced income focused mix with strong value tilt and moderate global diversification
Report created on Mar 27, 2026Risk profile
- Secure Speculative
The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.
Diversification profile
- Focused Diversified
The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 30.41% -
SG iShares Trust
SGOV - US46436E7186 30.23% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 20.88% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 18.48%
The portfolio is built from four low-cost equity ETFs, with a tilt toward income and quality. Roughly one‑third is in a broad US large‑cap tracker, another third in a bond‑heavy iShares fund, about one‑fifth in a US dividend ETF, and the rest in a total international equity ETF. This creates a simple yet diversified core, mixing growth‑oriented equities with income‑oriented holdings and a stabilizing bond sleeve. Structuring things this way matters because the main drivers of long‑term results are asset mix and costs, not security picking. Overall, this is a straightforward, core-style setup that keeps complexity low while still spreading money across different strategies and regions.
Growth
Over the period from mid‑2020 to early‑2026, $1,000 grew to about $1,870, giving a compound annual growth rate (CAGR) of 11.43%. CAGR is like your average speed on a road trip, smoothing bumps along the way. The maximum drawdown of -17.59% shows the largest peak‑to‑trough drop, which is noticeably smaller than both US and global market drawdowns. Returns trailed the US market by about 4.1% a year and the global market by about 2.2% a year, which is the cost of being more defensive and dividend‑tilted. For a cautious risk profile, that trade‑off of slightly lower return for shallower declines is quite consistent with the stated risk level.
Asset classes
- Stocks 70%
- Bonds 30%
Asset‑class exposure is roughly 70% stocks and 30% bonds, a classic “balanced but growth‑oriented” mix. Stocks are the main long‑term growth engine but are more volatile; bonds usually act as a shock absorber, especially in equity drawdowns. For cautious investors, a 60/40 or 70/30 stock‑bond split is commonly used because it aims for meaningful growth without full‑equity swings. This allocation is well‑balanced and aligns closely with global standards for moderate risk profiles. It supports long‑term capital growth while trying to smooth the ride in tough markets, which fits well with the smaller drawdowns seen in the historical performance numbers.
Sectors
- Technology 15%
- Financials 9%
- Industrials 8%
- Health Care 8%
- Energy 7%
- Consumer Discretionary 7%
- Consumer Staples 7%
- Telecommunications 5%
- Basic Materials 2%
- Utilities 1%
- Real Estate 1%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is broadly diversified, with no single area dominating. Technology sits around 15%, followed by fairly even allocations to financials, industrials, health care, energy, consumer areas, and telecom. This spread looks more balanced than many modern portfolios that are heavily tech‑skewed, which can be especially volatile when interest rates move or growth expectations change. Having meaningful stakes across defensive sectors (like health care and staples) alongside more cyclical ones (like industrials and energy) usually helps returns come from multiple economic environments. The portfolio’s sector composition matches benchmark data reasonably well, which is a strong indicator of diversification and resilience across different market cycles.
Regions
- North America 53%
- Europe Developed 7%
- Japan 3%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, the portfolio leans heavily toward North America at 53%, with modest exposure across developed Europe, Japan, other developed Asia, and emerging regions. Compared with a typical global equity benchmark—where the US often sits around 60% of equities—this is only slightly less US‑centric, and that’s before counting the US bond allocation. The benefit of this setup is alignment with the world’s largest and most liquid market, which has done very well recently. The trade‑off is that shocks specific to the US could hit a large share of the holdings at once. Smaller allocations to non‑US markets still add valuable diversification and potential upside if leadership rotates globally.
Market capitalization
- Large-cap 29%
- Mega-cap 23%
- Mid-cap 15%
- Small-cap 2%
This breakdown covers the equity portion of your portfolio only.
Market cap exposure is clearly tilted toward mega‑ and large‑cap companies, with smaller slices in mid‑ and small‑caps. Large and mega‑caps are typically more established businesses with more stable earnings, deeper liquidity, and tighter bid‑ask spreads, all of which can reduce trading frictions and sometimes volatility. Limited small‑cap exposure can mean missing some higher‑growth opportunities and diversification benefits that come from owning more niche or domestically focused companies. But for a cautious risk score, favoring larger firms fits the goal of smoother portfolio behavior. The current mix keeps things anchored in the mainstream of global markets rather than leaning hard into higher‑risk segments.
True holdings
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XT BlackRock Cash Funds Treasury SL Agency 2.23%
Part of fund(s):- iShares Trust
-
NV NVIDIA Corporation 2.23%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc 2.02%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 1.51%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 1.06%
Part of fund(s):- Vanguard S&P 500 ETF
-
CV Chevron Corp 0.94%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
GO Alphabet Inc Class A 0.94%
Part of fund(s):- Vanguard S&P 500 ETF
-
CO ConocoPhillips 0.86%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
VZ Verizon Communications Inc 0.85%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
MR Merck & Company Inc 0.82%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
- Top 10 total 13.45%
Looking through ETF top holdings, several mega‑cap names like NVIDIA, Apple, Microsoft, Amazon, and Alphabet appear across multiple funds, creating some hidden concentration in these giants. Overlap is likely understated because only top‑10 ETF holdings are visible, but even this slice shows that a handful of large US companies drive a meaningful share of equity exposure. This is normal for index‑style portfolios, yet it means the portfolio’s fortunes are somewhat tied to how these big names perform. The presence of BlackRock Cash and a mix of defensive stocks like Merck and Verizon adds stability, but investors should still be aware that “many ETFs” doesn’t always mean “many completely different underlying companies.”
Factors
Factor exposure shows strong tilts toward value, yield, and low volatility, with solid momentum as well. Factors are like the underlying “traits” that explain why investments behave the way they do—value means cheaper stocks, yield means higher dividends, low‑volatility means smoother price moves, and momentum captures recent winners. A strong value and yield tilt can support returns when markets favor cash flows and income, and often cushions declines when expensive growth stocks struggle. The low‑volatility bias tends to reduce big drawdowns but can lag in fast, speculative bull runs. This combination is well‑aligned with a cautious style, prioritizing steadier, income‑rich companies over aggressive growth stories.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 30.41% 47.3% -
Schwab U.S. Dividend Equity ETF
Weight: 20.88% 27.5% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 18.48% 25.2% -
iShares Trust
Weight: 30.23% 0.0%
Risk contribution reveals that the three Vanguard and Schwab equity funds account for effectively 100% of the portfolio’s volatility, even though they are only about 70% of the weight. Risk contribution measures how much each holding adds to overall ups and downs, which can differ from its simple percentage weight. The iShares position, classified largely as bonds, contributes almost no risk in this model, acting as a stabilizer. The S&P 500 ETF, at about 30% weight, drives nearly half the total risk, which is typical because broad US equities are the main growth engine. Rebalancing frequency and comfort with this equity‑driven risk load are important ongoing decisions.
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 efficient frontier chart, the current portfolio has expected return of 11.05% with risk of 10.47% and a Sharpe ratio of 0.86. Sharpe ratio measures return per unit of risk, like miles per gallon for a car. The “optimal” and minimum‑variance portfolios—built only from the same holdings but with different weights—show extremely high Sharpe ratios at very low risk, and a same‑risk optimized version suggests much higher return for somewhat higher risk. Since the current point sits below what these optimized mixes achieve, reweighting the existing ETFs could improve the risk/return tradeoff. That might mean modestly adjusting the balance between the bond‑heavy fund and the equity funds while staying within a cautious risk band.
Dividends
- Schwab U.S. Dividend Equity ETF 2.60%
- iShares Trust 4.00%
- Vanguard S&P 500 ETF 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- Weighted yield (per year) 2.67%
The overall yield around 2.67% is driven by the dividend‑focused Schwab ETF, the higher‑yielding iShares fund, and the international ETF, with the S&P 500 contributing a modest 1.2%. Dividends are cash payments from companies or funds and can be a significant part of total return, especially for more defensive investors who value steady income. For someone reinvesting distributions, this yield acts like a built‑in reinvestment plan that quietly compounds over time. For someone drawing cash, it can cover a portion of spending needs without having to sell shares in down markets. This level of yield is solid for a broadly diversified, quality‑tilted portfolio.
Ongoing product costs
- Schwab U.S. Dividend Equity ETF 0.06%
- iShares Trust 0.07%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.05%
Total ongoing costs are impressively low at around 0.05% per year, thanks to the use of broad index ETFs with TERs between 0.03% and 0.07%. TER (Total Expense Ratio) is the annual fee charged by a fund, and it quietly chips away at returns over time. Even a difference of 0.3–0.5 percentage points per year can add up to thousands of dollars over decades. Keeping costs at this level is a major strength and directly supports better long‑term performance, especially when combined with a buy‑and‑hold mindset. The costs are impressively low, supporting better long‑term performance and aligning well with best practices for core portfolios.
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