Income focused US heavy equity portfolio with strong value tilt and balanced risk profile
Report created on May 7, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 44.00% -
QQ NEOS Nasdaq 100 High Income ETF
QQQI - US78433H6751 30.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 13.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 13.00%
This portfolio is made up of four equity ETFs, with no bonds or alternatives. About 74% sits in broad US stock market and Nasdaq-100 income exposure, 13% in US dividend equities, and 13% in international stocks. That means the structure leans clearly toward US companies, with a dedicated sleeve for higher income and another for overseas diversification. Having everything in stocks keeps growth potential front and center, but also means portfolio ups and downs are closely tied to equity markets. The mix across total market, income, dividend, and international funds gives several different “angles” on equities rather than one single bet, which supports a moderately diversified profile while still being quite straightforward to understand and monitor.
Growth
Over the period from early 2024 to April 2026, a hypothetical $1,000 in this portfolio grew to about $1,485. That translates into a compound annual growth rate (CAGR) of 19.29%, a measure of the average yearly “cruising speed” over the whole journey. This slightly trailed both the US market and global market benchmarks, which were ahead by 0.69 and 1.09 percentage points per year. The portfolio’s worst peak‑to‑trough drop, or max drawdown, was -17.77%, very similar to the benchmarks, and it recovered within a few months. Only 15 days made up 90% of gains, underlining how a small number of strong days can drive most long‑term equity returns.
Projection
The Monte Carlo projection uses the portfolio’s historical behavior to simulate 1,000 different 15‑year paths for a $1,000 investment. Each path randomly mixes returns in a way that’s consistent with past volatility, a bit like running many “what if” scenarios for future markets. The median outcome lands around $2,628, implying an annualized 7.8% return across all simulations, while the middle half of scenarios ranges from roughly $1,766 to $4,054. There are also more extreme but still plausible results between about $957 and $7,542. These numbers don’t predict exactly what will happen; they just show the spread of outcomes that could occur if the future rhymes with the past but doesn’t repeat it perfectly.
Asset classes
- Stocks 100%
Asset‑class exposure is straightforward: 100% in stocks, with no bonds, cash, or real assets in the mix. Stocks historically offer higher long‑term growth potential than bonds, but they also swing more in the short run. In many broad benchmarks, stock allocations are often tempered with some fixed income to smooth volatility. Here, the entire portfolio’s risk and return ride on equity behavior alone. The combination of total market, Nasdaq‑linked income, US dividend, and international equity funds does diversify within the stock universe, but it does not provide the stabilizing effect that bonds or cash‑like holdings sometimes add during sharp equity downturns or interest‑rate shifts.
Sectors
- Technology 34%
- Telecommunications 10%
- Consumer Discretionary 10%
- Financials 10%
- Health Care 9%
- Industrials 8%
- Consumer Staples 8%
- Energy 5%
- Basic Materials 2%
- Utilities 2%
- Real Estate 1%
Sector exposure is tilted toward technology at 34%, with telecom and consumer discretionary each around 10%, and financials and health care close behind. Industrials and consumer staples add mid‑single‑digit slices, while energy, materials, utilities, and real estate are smaller. This pattern broadly echoes many modern equity benchmarks where tech and related areas occupy large portions, which helps the portfolio keep up with major market drivers. Tech‑heavy allocations tend to benefit when innovation and growth stocks lead, but they can be more sensitive to changes in interest rates or shifts away from high‑growth themes. The spread across other sectors provides a buffer, yet leadership or weakness in technology will likely be a noticeable driver.
Regions
- North America 87%
- Europe Developed 5%
- Japan 2%
- Asia Emerging 2%
- Asia Developed 2%
- Australasia 1%
Geographically, the portfolio is strongly US‑centric, with about 87% in North America. Developed Europe, Japan, and other Asia regions together make up a relatively small slice, and emerging Asia exposure is modest. Compared with global stock indices, which give a larger share to non‑US markets, this represents a clear home‑country tilt. That tilt has worked well during periods when US companies outperformed, but it also means portfolio results are closely tied to the US economy, corporate earnings, and dollar movements. The international allocation still adds some diversification from different growth drivers, currencies, and policy environments, though its ability to counterbalance US‑specific shocks is limited by its smaller weight.
Market capitalization
- Mega-cap 40%
- Large-cap 38%
- Mid-cap 17%
- Small-cap 4%
- Micro-cap 1%
By market capitalization, this portfolio leans strongly toward big companies, with 40% in mega‑caps and 38% in large‑caps. Mid‑caps contribute 17%, while small‑caps and micro‑caps together make up only about 5%. Large and mega‑cap stocks often include well‑established businesses that can be more resilient and liquid, and this aligns broadly with many major indices that also skew to the top end of the size spectrum. However, the relatively small allocation to smaller companies means less exposure to the sometimes higher growth – and higher volatility – that segment can offer. Day‑to‑day performance will therefore be driven mainly by the biggest household‑name companies rather than by smaller, more niche players.
True holdings
-
NV NVIDIA Corporation 5.39%
Part of fund(s):- NEOS Nasdaq 100 High Income ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 4.73%
Part of fund(s):- NEOS Nasdaq 100 High Income ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.58%
Part of fund(s):- NEOS Nasdaq 100 High Income ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.96%
Part of fund(s):- NEOS Nasdaq 100 High Income ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.41%
Part of fund(s):- NEOS Nasdaq 100 High Income ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.12%
Part of fund(s):- NEOS Nasdaq 100 High Income ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 2.07%
Part of fund(s):- NEOS Nasdaq 100 High Income ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.86%
Part of fund(s):- NEOS Nasdaq 100 High Income ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.74%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- NEOS Nasdaq 100 High Income ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
WM Walmart Inc. 0.98%
Part of fund(s):- NEOS Nasdaq 100 High Income ETF
- Top 10 total 27.84%
Looking through ETF top‑10 holdings, a sizable portion of exposure clusters in a handful of well‑known US companies. NVIDIA, Apple, Microsoft, Amazon, the two Alphabet share classes, Broadcom, Meta, Tesla, and Walmart together already account for a meaningful slice of the portfolio’s equity risk, even though the raw look‑through coverage is only about 35%. Several of these names appear across multiple funds, creating overlap that boosts their effective weight. Since this analysis only captures top‑10 positions, true overlap is likely higher. The implication is that while the portfolio owns thousands of stocks indirectly, its short‑term performance can still be heavily influenced by how a small group of mega‑cap leaders behaves.
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 a very high tilt toward value (85%), meaning holdings lean more toward stocks priced cheaply relative to fundamentals compared with a typical market‑weighted portfolio. Factor investing treats these traits as “ingredients” that can drive returns over time. A strong value tilt often helps when previously unloved or inexpensive companies rebound, but it can lag in periods when growth or high‑momentum stocks dominate. Size exposure is very low at 13%, signaling a tilt away from smaller companies and toward larger ones. Yield (70%) and low volatility (60%) are both high, consistent with dividend and income‑oriented holdings that often dampen some swings while emphasizing cash distributions as part of total return.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 44.00% 47.6% -
NEOS Nasdaq 100 High Income ETF
Weight: 30.00% 33.2% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 13.00% 11.0% -
Schwab U.S. Dividend Equity ETF
Weight: 13.00% 8.2%
Risk contribution looks at how much each ETF adds to overall volatility, which can differ from its portfolio weight. Here, the Vanguard Total Stock Market ETF at 44% weight contributes about 48% of risk, while the NEOS Nasdaq 100 High Income ETF at 30% weight adds roughly 33% of risk. The international fund and the US dividend ETF together make up 26% of the portfolio but contribute around 19% of total risk, indicating they are relatively less volatile or better diversifiers. The top three positions drive over 90% of total portfolio risk, so even though the mix includes four funds, most of the ups and downs are shaped by a few core US‑centric exposures.
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 an annualized expected return of about 18.93% with 15% volatility, producing a Sharpe ratio of 1.0. The Sharpe ratio compares excess return over a risk‑free rate to volatility, essentially showing how efficiently risk is being used. The efficient frontier drawn from these same ETFs suggests that alternative weightings could reach a Sharpe ratio up to 1.33 at slightly lower risk. The portfolio currently sits about 1.69 percentage points below that frontier at its risk level, meaning it is reasonably effective but not maximized in risk‑adjusted terms. The minimum‑variance mix on the chart shows that using the same ingredients, different proportions can create smoother overall performance.
Dividends
- NEOS Nasdaq 100 High Income ETF 13.60%
- Schwab U.S. Dividend Equity ETF 3.30%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 5.30%
The income profile is a standout feature. The overall indicated dividend yield is about 5.3%, largely driven by the NEOS Nasdaq 100 High Income ETF with a double‑digit yield, supported by moderate yields from the Schwab US Dividend Equity ETF and the international fund. Dividend yield is the annual cash payout as a percentage of price, and it can form a meaningful part of total return, especially during flat or choppy markets. A strong yield focus like this can help generate regular cash flows, but those high distributions typically come from an underlying strategy that can behave differently from a plain index tracker, and payouts themselves can vary with market conditions and fund policies over time.
Ongoing product costs
- NEOS Nasdaq 100 High Income ETF 0.68%
- Schwab U.S. Dividend Equity ETF 0.06%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.23%
Total ongoing costs, or TER (Total Expense Ratio), average around 0.23% across the portfolio. TER is the annual percentage fee charged by funds to cover management and operating expenses, quietly deducted from returns. Three of the ETFs are very low‑cost index products, especially the Vanguard and Schwab funds at 0.03–0.06%, which aligns well with best practices for keeping costs down. The higher‑fee NEOS ETF at 0.68% pulls the overall TER up a bit, reflecting its more complex, income‑oriented approach. Even so, a blended cost below a quarter of a percent is generally quite competitive, helping more of the portfolio’s gross returns compound for the investor over the long haul.
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