Growth focused all stock portfolio with broad market coverage and balanced style exposures

Report created on Apr 10, 2026

Risk 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

This portfolio is a 100% stock mix built entirely from low-cost index and rules-based ETFs, with a clear tilt toward U.S. equities. The largest slices are split between a broad total U.S. market fund and a U.S. large-cap growth fund, together making up half of the allocation. Around a third goes to more income-oriented and international funds, while the rest targets U.S. small and mid caps. This structure leans into long-term growth but accepts higher short-term ups and downs. For someone aiming to grow wealth over many years, a fully equity-based setup like this can be appropriate, as long as they’re comfortable riding through sizable market drops without needing to sell.

Growth Info

Historically, $1,000 invested in this mix in late 2019 grew to about $2,423, a compound annual growth rate (CAGR) of 14.55%. CAGR is like your average “speed” per year, smoothing out the bumps along the way. This slightly trailed the U.S. market benchmark but beat the global market by a healthy margin, which is a solid outcome. The worst drawdown was about -35% during early 2020, recovering in roughly five months, showing real but manageable volatility for an all-stock portfolio. This pattern underlines two things: being U.S.-tilted has helped versus global stocks, and staying invested through big drops has historically been rewarded, though of course past results can’t guarantee the future.

Projection Info

The Monte Carlo projection uses historical returns and volatility to simulate thousands of possible 15-year paths for $1,000 invested. Think of it as “re-running history” many times with slightly different sequences of good and bad years to see a range of outcomes. The median scenario ends around $2,699, with a wide but realistic band from about $1,740 to $4,098 for the middle half of outcomes. There’s roughly a 72% chance of ending with a positive return, and the average simulated annual return is about 8%. These are not promises; they’re probability-based views using past data. The big takeaway is that long-term growth looks plausible, but the journey could vary a lot, including stretches that feel disappointing.

Asset classes Info

  • Stocks
    100%

All of the allocation is in stocks, with no bonds, cash equivalents, or other defensive assets. That gives maximum exposure to equity growth but also full exposure to equity risk. In calm or rising markets, a 100% stock allocation can grow faster than blended stock-bond mixes. During deep bear markets, though, there is no built-in cushion from safer assets, so drawdowns can be steep and emotionally challenging. Compared with more balanced portfolios, this setup fits investors who prioritize long-term upside over short-term stability and who don’t need to tap this money in the near future. A key practical takeaway is that any emergency or near-term spending needs should generally be covered outside this portfolio, so market volatility doesn’t force poorly timed withdrawals.

Sectors Info

  • Technology
    26%
  • Financials
    14%
  • Industrials
    12%
  • Consumer Discretionary
    11%
  • Health Care
    10%
  • Telecommunications
    8%
  • Energy
    7%
  • Consumer Staples
    6%
  • Basic Materials
    3%
  • Real Estate
    2%
  • Utilities
    2%

Sector-wise, the portfolio leans heavily into technology at around 26%, with financials, industrials, and consumer-related areas also well represented. This tech exposure is broadly in line with modern U.S. and global equity benchmarks, which is a positive sign: it means the mix is not wildly off from what the overall market looks like today. Higher tech exposure tends to boost growth potential but can increase sensitivity to things like interest rate changes or shifts in innovation trends. At the same time, you still have holdings spread across more defensive sectors such as consumer staples and utilities. Overall, the sector balance is healthy and diversified, supporting a blend of cyclical growth drivers and more stable business types without extreme bets in any one industry.

Regions Info

  • North America
    86%
  • Europe Developed
    6%
  • Japan
    2%
  • Asia Developed
    2%
  • Asia Emerging
    2%
  • Australasia
    1%
  • Latin America
    1%
  • Africa/Middle East
    1%

Geographically, about 86% of the portfolio is in North America, with the remaining slice spread across Europe, Japan, developed Asia, and emerging markets. This U.S.-heavy tilt resembles a “home bias” many investors have, and it has been rewarded over the past decade as U.S. stocks outperformed many other regions. However, it does mean that economic, political, and currency events in one country dominate overall outcomes. The international exposure helps, but global stocks outside North America still represent a relatively small share of the mix compared with their weight in world markets. The main implication is that if U.S. leadership slows or reverses for a while, this portfolio may lag a more globally even allocation.

Market capitalization Info

  • Mega-cap
    33%
  • Large-cap
    30%
  • Mid-cap
    16%
  • Small-cap
    15%
  • Micro-cap
    5%

By market cap, the portfolio holds about a third in mega-caps and another 30% in large-caps, with meaningful exposure to mid, small, and even micro-cap stocks. That’s a nice spread along the company-size spectrum. Large and mega-caps often bring more stability and liquidity, while small and micro-caps can add higher growth potential and higher volatility. Having roughly 20% in the mid/small/micro space gives you access to that extra growth engine without dominating the total risk picture. This size mix aligns well with broad-market investing principles and helps avoid being overly dependent on either gigantic, mature firms or very small, more speculative companies. It’s a solid foundation for diversified equity growth across company stages.

True holdings Info

  • NVIDIA Corporation
    4.47%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    4.05%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    2.98%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    2.17%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    1.87%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    1.58%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    1.48%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    1.41%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    1.32%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Eli Lilly and Company
    0.72%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
  • Top 10 total 22.05%

Looking through ETF top holdings, there’s meaningful concentration in the biggest U.S. growth names: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, and Broadcom all appear repeatedly. NVIDIA and Apple each sit above 4% of the total portfolio when all ETF exposures are combined, with several others clustered around 1–3%. Because many broad U.S. funds hold similar mega-cap stocks, these names can end up larger than they look at first glance. This kind of overlap is normal for market-cap-based investing and has worked well in recent years, but it also means your returns are quite tied to how a small group of giant growth companies perform going forward.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 100%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Neutral
Data availability: 100%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure shows the portfolio sitting very close to neutral across value, size, momentum, quality, yield, and low volatility, all clustered around 50%. Factors are like the “ingredients” that explain why certain stocks behave the way they do over time. A neutral reading means the overall mix behaves similarly to a broad market index, rather than leaning heavily into a style like deep value, high dividend, or momentum. This is actually a strength for many investors: you’re not making big bets that could strongly help or hurt depending on the decade. The key message is that performance will likely be driven mostly by general equity markets and regional exposure, not by extreme factor tilts.

Risk contribution Info

  • Schwab U.S. Large-Cap Growth ETF
    Weight: 25.00%
    27.5%
  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 25.00%
    24.9%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 15.00%
    12.3%
  • Schwab U.S. Dividend Equity ETF
    Weight: 15.00%
    12.1%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 10.00%
    12.1%
  • Top 5 risk contribution 88.8%

Risk contribution data shows that the two 25% positions—U.S. large-cap growth and the total U.S. market fund—together drive just over half of the portfolio’s total volatility. The U.S. small-cap value ETF, at only 10% weight, contributes about 12% of total risk, meaning each dollar in that fund swings a bit more than the average holding. This pattern is normal: faster-moving assets can punch above their weight in terms of ups and downs. Overall, the risk distribution is fairly proportional to position sizes, with no single ETF dominating the risk picture. For ongoing management, it’s useful to remember that tweaks to those big U.S. core funds will have the most impact on overall volatility.

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 0.58, meaning its return per unit of risk is decent but not maximized. The efficient frontier shows that, using only these existing ETFs, a different mix could deliver either higher expected returns at similar risk or similar returns with lower risk. The optimal (max Sharpe) configuration sits higher at 0.78, and even the minimum-variance mix has a better Sharpe. The current combination sits about 1.33 percentage points below the frontier at its risk level. That doesn’t mean the allocation is poor—it’s already in a reasonable zone—but it suggests there’s room to fine-tune weights to get a slightly better balance between volatility and expected return if desired.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.30%
  • iShares Core S&P Mid-Cap ETF 1.30%
  • Schwab U.S. Dividend Equity ETF 3.40%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.56%

The overall dividend yield of about 1.56% is modest, reflecting the strong presence of growth and broad-market funds. The Schwab U.S. Dividend Equity ETF and the international fund meaningfully lift that figure, with yields above 2–3%, while the large-cap growth ETF yields very little. Dividends can matter for investors who like some built-in cash flow, but for growth-oriented investors, a lower yield is not a negative; it often means more profits are being reinvested back into businesses. The key point is that this portfolio is primarily a capital-growth engine with a small income component rather than a high-income strategy, which aligns with its growth classification and long-term focus.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares Core S&P Mid-Cap ETF 0.05%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • 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) 0.06%

The total expense ratio (TER) for the portfolio is about 0.06%, which is impressively low. TER is the annual fee charged by a fund, expressed as a percentage of assets—kind of like a small “membership fee” for being in the ETF. In practice, 0.06% means paying $0.60 per year for every $1,000 invested, which is far below many actively managed products. Keeping costs this low is a major structural advantage: even small fee differences compound over decades. This cost profile aligns very well with best practices for long-term investing and supports the goal of capturing as much of the market’s return as possible instead of handing it over in fees.

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