Diversified dividend tilted equity portfolio with strong quality bias and room for efficiency gains
Report created on Apr 13, 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
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SP State Street® SPDR® Portfolio S&P 500® ETF
SPYM - US78464A8541 32.09% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 25.80% -
SC Schwab International Dividend Equity ETF
SCHY - US8085246721 14.00% -
SC Schwab U.S. Small-Cap ETF
SCHA - US8085246077 7.11% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 6.00% -
GO Alphabet Inc Class A
GOOGL - US02079K3059 4.00% -
KK KKR & Co LP
KKR - US48251W1045 4.00% -
UN UnitedHealth Group Incorporated
UNH - US91324P1021 4.00% -
BX Blackstone Group Inc
BX - US09260D1072 3.00%
The portfolio is a focused all‑equity mix built mainly from broad ETFs with a handful of single stocks. Around three‑quarters sits in large diversified U.S. and international funds, while the rest is in four individual companies that tilt toward finance and health care. This structure combines a diversified “core” with a more concentrated “satellite” sleeve. That’s relevant because the ETFs help smooth out single‑stock risk, while the direct positions can meaningfully move overall returns. For a balanced‑risk profile, the heavy equity weighting means growth is clearly the priority over capital stability. Anyone using this type of setup should be comfortable with noticeable ups and downs in pursuit of long‑term growth and income.
Growth
Over the past five years or so, a $1,000 investment here grew to about $1,587, a compound annual growth rate (CAGR) of 9.83%. CAGR is like your average speed on a long road trip, smoothing out bumps along the way. The portfolio lagged the U.S. market by 1.85% per year but slightly beat the global market by 0.14% per year, which is a solid alignment with worldwide returns. The worst peak‑to‑trough drop was about -22.6%, a sizable but not extreme drawdown for an all‑equity mix. The recovery took over a year, illustrating that even balanced‑risk equity portfolios can stay underwater for extended periods and need patience to work.
Projection
The Monte Carlo projection runs 1,000 simulated futures based on past returns and volatility to show a range of possible outcomes. Think of it as rolling the dice thousands of times using historical patterns, then seeing the spread of end values. Here, the median 15‑year outcome for $1,000 is around $2,721, with a 75th percentile near $4,144 and a 25th percentile near $1,838. There’s about a 75% chance of a positive result, and the average simulated annual return is 8.16%. These numbers give a sense of what’s plausible, not guaranteed. Markets can behave very differently from history, so projections are best treated as rough weather forecasts rather than promises.
Asset classes
- Stocks 68%
- No data 32%
On the reported data, about 68% is clearly identified as stocks, with 32% falling into a “no data” category where asset class labels weren’t available. That doesn’t mean those positions are necessarily different assets; it simply reflects missing classification data, so it’s important not to over‑interpret the gap. What is clear is that the portfolio is effectively all growth‑oriented, with no explicit buffer from bonds or cash in the breakdown. For a balanced‑risk profile, this equity‑only stance leans to the growthier side. When markets are strong, this can be rewarding, but during downturns, drawdowns may feel more like a growth portfolio than a classic balanced mix.
Sectors
- Financials 14%
- Health Care 11%
- Telecommunications 8%
- Consumer Staples 8%
- Technology 7%
- Energy 6%
- Industrials 6%
- Consumer Discretionary 4%
- Basic Materials 2%
- Utilities 1%
- Real Estate 1%
Sector exposure is pleasantly spread out, with financials, health care, telecoms, staples, technology, energy, and industrials all making meaningful contributions. No single sector dominates in the way a pure tech or finance portfolio might, and the mix looks broadly in line with diversified equity benchmarks. This is a strong indicator of healthy diversification, because different sectors tend to lead and lag at different parts of the economic cycle. For instance, more defensive areas like staples and health care can help when markets are stressed, while more cyclical areas like consumer and industrials may shine in expansions. This sort of balance can reduce the risk of one theme driving the entire experience.
Regions
- North America 49%
- Europe Developed 11%
- Asia Emerging 2%
- Asia Developed 2%
- Australasia 2%
- Japan 1%
- Africa/Middle East 1%
Geographically, the portfolio is anchored in North America at around 49%, with the rest spread across developed Europe, Asia, Japan, Australasia, and a small slice in Africa/Middle East. This tilt toward North America is very much in line with global equity capitalization and common benchmark allocations, which makes the geography feel familiar and sensible. The additional exposure to multiple international regions boosts diversification by tapping into different economic cycles, currencies, and policy regimes. This alignment with global standards is a positive. It helps reduce the risk that any single country or region’s issues will fully dictate long‑term outcomes, even though short‑term moves can still be heavily U.S.‑driven.
Market capitalization
- Large-cap 34%
- Mega-cap 18%
- Mid-cap 7%
- Small-cap 5%
- Micro-cap 2%
By market cap, there’s a clear emphasis on larger companies: mega‑ and large‑caps together make up just over half the portfolio, with smaller allocations to mid, small, and micro‑caps. Larger companies usually offer more stability, deeper liquidity, and more established business models, which fits a balanced mindset. The presence of small and micro caps, though modest, adds a bit of higher‑risk, higher‑potential upside spice. These smaller names can swing more wildly, but they also bring different growth drivers than giants. This mix supports diversification across company sizes and helps avoid the portfolio behaving exactly like a single large‑cap index, while still keeping risk anchored in blue‑chip territory.
True holdings
-
Part of fund(s):
- Schwab U.S. Dividend Equity ETF
-
Part of fund(s):
- State Street® SPDR® Portfolio S&P 500® ETF
-
-
-
NV NVIDIA Corporation 2.43%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
AA Apple Inc 2.14%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
MS Microsoft Corporation 1.58%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
AM Amazon.com Inc 1.17%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
TX Texas Instruments Incorporated 1.12%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
CV Chevron Corp 1.08%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
- Top 10 total 26.57%
Looking through the ETFs, a few names stand out as hidden overlaps with the direct stocks. UnitedHealth and Alphabet both appear as individual holdings and inside ETFs, lifting their total exposures to roughly 5.1% and 5.0% of the portfolio. This “double‑up” concentrates risk more than the headline weights suggest. At the same time, only about 44% of the portfolio is captured by the look‑through data, so overlaps in other areas may be understated. Understanding these layers matters because a shock to one of these companies can ripple through multiple holdings at once. Periodically checking combined exposures helps keep any single business from quietly becoming too dominant.
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 shows strong tilts toward value, yield, and quality, with value at 64%, yield at 63%, and quality at 60%. Factors are like underlying “traits” of your holdings — things like cheapness (value), financial strength (quality), or income (yield) that research has tied to long‑term returns. A value and yield tilt tends to focus on reasonably priced, income‑producing stocks, which can be helpful when high‑growth areas are expensive or out of favor. The quality tilt suggests a preference for companies with solid balance sheets and consistent profitability, which can support resilience in downturns. Size is slightly low, indicating a mild lean toward larger companies, consistent with the earlier market‑cap picture.
Risk contribution
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State Street® SPDR® Portfolio S&P 500® ETF
Weight: 32.09% 33.5% -
Schwab U.S. Dividend Equity ETF
Weight: 25.80% 21.3% -
Schwab International Dividend Equity ETF
Weight: 14.00% 9.3% -
Schwab U.S. Small-Cap ETF
Weight: 7.11% 9.2% -
KKR & Co LP
Weight: 4.00% 7.8% - Top 5 risk contribution 81.1%
Risk contribution shows how much each holding drives overall volatility, not just how big it is. The S&P 500 ETF is about 32% of the portfolio but contributes roughly 34% of total risk, so it behaves almost exactly in proportion to its weight. The U.S. dividend ETF sits at 25.8% weight yet only 21.3% of risk, meaning it’s relatively steady for its size. More striking, KKR is only 4% of assets but accounts for 7.8% of risk, almost double its weight. Similarly, the U.S. small‑cap ETF has a risk impact above its size. These concentrated risk pockets are worth tracking, since small slices of volatile assets can dominate the emotional ride.
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 has a Sharpe ratio of 0.46, while the optimal mix of the same holdings reaches 0.85 and the minimum‑variance mix hits 0.64. The Sharpe ratio measures return per unit of risk, like miles per gallon for your investments. Being 3.38 percentage points below the efficient frontier at the current risk level means the existing weights aren’t making the most of what’s already in the toolkit. In other words, simply reweighting these same funds and stocks could either boost expected return for the same volatility or reduce risk for a similar return. The good news is that the building blocks are strong; it’s mostly about fine‑tuning.
Dividends
- Blackstone Group Inc 4.10%
- Alphabet Inc Class A 0.30%
- KKR & Co LP 0.80%
- Schwab U.S. Small-Cap ETF 1.10%
- Schwab U.S. Dividend Equity ETF 3.40%
- Schwab International Dividend Equity ETF 3.40%
- UnitedHealth Group Incorporated 2.90%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- State Street® SPDR® Portfolio S&P 500® ETF 1.10%
- Weighted yield (per year) 2.24%
The portfolio yield of about 2.24% is comfortably above broad U.S. growth benchmarks and reflects the sizeable allocations to dividend‑focused ETFs. Several holdings yield in the 3%+ range, while names like Alphabet contribute mostly through price appreciation. Dividends matter because they provide a tangible return even when markets are flat, and they can be reinvested to compound growth over time. For investors who like seeing regular cash flow without chasing extremely high payouts, this level of income is a nice middle ground. It supports a total‑return approach, where both dividends and capital gains work together, rather than relying entirely on one or the other.
Ongoing product costs
- Schwab U.S. Small-Cap ETF 0.04%
- Schwab U.S. Dividend Equity ETF 0.06%
- Schwab International Dividend Equity ETF 0.14%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
Costs are impressively low across the board, with ETF expense ratios (TERs) mostly in the 0.04–0.14% range and a blended TER around 0.04%. TER is the annual fee charged by a fund to cover management and operating expenses; lower is better because it leaves more of the returns in your pocket. This level of cost efficiency is well below the average actively managed fund and even beats many index options. Over long horizons, shaving even a few tenths of a percent from fees can translate into thousands of extra dollars, purely from compounding. This cost structure is a real strength and sets a solid foundation for long‑term performance.
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