Growth tilted global equity mix with strong US focus and efficient risk adjusted performance
Report created on May 11, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 50.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 20.00%
This portfolio is a simple three‑ETF, 100% stock mix with a clear growth tilt. Half is in a US large‑cap growth fund, 30% in a broad international equity ETF, and 20% in a US small‑cap value ETF. So structurally it blends two quite different US styles with a global diversifier. A focused lineup like this is easy to understand and track because each holding plays a distinct role. The trade‑off is that all risk comes from equities, with no bonds or cash in the mix to cushion market swings. That structure helps explain both the strong long‑term growth and the noticeable ups and downs seen elsewhere in the report.
Growth
From late 2019 to May 2026, a hypothetical $1,000 in this portfolio grew to about $2,807, a compound annual growth rate (CAGR) of 16.93%. CAGR is like your average speed over a long road trip, smoothing out detours and traffic. This slightly beat the US market benchmark and clearly outpaced the global market. The worst drop, or max drawdown, was about -35% during early 2020, which is a sharp but typical equity‑style fall. It then recovered in roughly four months, showing resilience. Just 24 trading days generated 90% of returns, highlighting how missing a handful of strong days can have a big impact on long‑term results.
Projection
The Monte Carlo simulation projects many possible 15‑year paths based on the portfolio’s historical behavior. Monte Carlo is basically a “what‑if” engine: it shakes up past returns thousands of times to see a range of futures, not just one forecast. Here, the median outcome turns $1,000 into about $2,813, with a wide but balanced range from roughly $1,052 to $7,418 across most scenarios. The average annual return across all runs is 8.14%. These numbers illustrate both growth potential and uncertainty. They are not predictions; they simply show what could happen if future patterns look somewhat like the past, which is never guaranteed.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash, or alternatives. That makes the asset‑class picture very clear: it seeks growth through ownership in companies, not income or stability from fixed income. In asset allocation terms, this is an aggressive stance, because stocks historically carry higher volatility than bonds but also higher long‑term return potential. Having 100% equities also means that when stock markets move together—up or down—the whole portfolio tends to move in the same direction. This simple structure is easy to monitor, but it relies entirely on equity markets to drive results, without an internal buffer from other asset classes.
Sectors
- Technology 29%
- Financials 15%
- Consumer Discretionary 13%
- Industrials 11%
- Telecommunications 10%
- Health Care 7%
- Energy 5%
- Basic Materials 4%
- Consumer Staples 3%
- Utilities 1%
- Real Estate 1%
Sector exposure is led by technology at 29%, followed by financials, consumer discretionary, and industrials. The rest is spread across telecommunications, health care, energy, materials, consumer staples, utilities, and real estate in relatively small slices. This kind of tech‑leaning but still broad sector mix is fairly typical for modern equity portfolios and aligns reasonably well with global benchmarks. Higher technology exposure can lift returns when innovation‑heavy companies do well, but it may also make the portfolio more sensitive during periods when growth or interest‑rate worries hit tech. The presence of cyclical and defensive sectors alongside tech helps moderate, but not eliminate, that pattern.
Regions
- North America 72%
- Europe Developed 11%
- Japan 5%
- Asia Developed 4%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 72% of the portfolio sits in North America, with the rest spread across developed Europe, Japan, other developed Asia, emerging Asia, Australasia, Latin America, and Africa/Middle East. This creates a clear home‑country tilt toward the US while still maintaining global exposure. Compared with a pure world index, North America is somewhat overweight, and many other regions are underweight. This structure can benefit when US markets outperform, as they have in recent years, but it also means results are heavily influenced by one economy and currency. The presence of multiple regions still helps reduce the impact of local shocks compared with a US‑only portfolio.
Market capitalization
- Mega-cap 45%
- Large-cap 21%
- Small-cap 12%
- Mid-cap 12%
- Micro-cap 9%
By market capitalization, the portfolio is anchored in mega‑caps at 45% and large‑caps at 21%, with the remainder across mid‑, small‑, and micro‑caps. This is more diversified by size than a typical cap‑weighted global index because of the explicit 20% allocation to US small‑cap value. Larger companies often provide more stability and liquidity, while smaller companies can be more volatile but sometimes faster‑growing or more mispriced. Having exposure across the size spectrum spreads out company‑specific risk and links performance to different parts of the business cycle. It also means the portfolio will not move exactly like a pure mega‑cap index.
True holdings
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NV NVIDIA Corporation 5.71%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AA Apple Inc 4.69%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
MS Microsoft Corporation 3.47%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AM Amazon.com Inc 2.94%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class A 2.57%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AV Broadcom Inc 2.17%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class C 2.05%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
TS Tesla Inc 1.91%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Large-Cap Growth ETF
-
ME Meta Platforms Inc. 1.74%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
LL Eli Lilly and Company 1.39%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Top 10 total 28.67%
Looking through the ETFs’ top holdings, there is notable concentration in a handful of large US growth names. NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Tesla, Meta, and Eli Lilly all appear with meaningful combined weights, especially through the large‑cap growth and international funds. This shows that, despite having three ETFs, a slice of the portfolio is effectively tied to a small group of global giants. Because only ETF top‑10 holdings are included, actual overlap is likely understated. Hidden concentration like this matters because if these big companies move sharply together, they can drive portfolio behavior more than the number of holdings might suggest.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility sits close to neutral, around 50% on each scale. In factor terms, that means the portfolio broadly resembles the overall market, without strong tilts toward or away from any of these styles. Factors are like underlying “personality traits” of an investment—such as cheapness (value) or trend‑following (momentum)—that research has linked to long‑term returns. A neutral profile implies the mix of growth, international, and small‑cap value funds roughly balances out. This can make performance more aligned with general equity markets rather than being heavily driven by specific factor cycles.
Risk contribution
-
Schwab U.S. Large-Cap Growth ETF
Weight: 50.00% 53.9% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 24.0% -
Avantis® U.S. Small Cap Value ETF
Weight: 20.00% 22.1%
Risk contribution shows how much each ETF actually drives the portfolio’s ups and downs, which can differ from simple weights. Here, the US large‑cap growth ETF is 50% of the portfolio but contributes about 54% of total risk, slightly more than its size suggests. The small‑cap value ETF is 20% of assets yet adds about 22% of risk, reflecting the bumpier nature of smaller companies. The international fund, at 30% weight, contributes only about 24% of risk, so it somewhat dampens overall volatility. This pattern is typical: growth and small‑cap exposures punch above their weight in risk terms, while broad international exposure plays a stabilizing role.
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.
The efficient frontier analysis compares this portfolio to the best possible risk/return mixes using just these three ETFs. The current portfolio has a Sharpe ratio of 0.66, while the optimal combination reaches 0.84 with slightly higher expected return and risk. The minimum‑variance mix is calmer but offers lower expected return. Because the current portfolio sits on or very near the efficient frontier, it’s already using these building blocks in a broadly efficient way. A Sharpe ratio compares excess return to volatility, so being close to the frontier suggests the tradeoff between growth and risk, given these holdings, is generally well‑balanced.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.27%
The overall dividend yield of about 1.27% comes mainly from the international ETF (around 2.7%) and the small‑cap value fund (around 1.3%), while the US large‑cap growth ETF yields only about 0.4%. Dividends are the cash payouts companies share with investors, and over time they can be a meaningful part of total return, especially when reinvested. In this portfolio, capital growth is clearly the main driver, with dividends playing a supporting role. The mix of lower‑yield growth names and higher‑yield international stocks creates a modest income stream without leaning heavily into income‑focused strategies.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.08%
Total ongoing fund costs, measured by Total Expense Ratio (TER), are about 0.08% per year, which is impressively low for an all‑equity portfolio with global reach and a dedicated small‑cap value sleeve. TER is like a quiet service fee charged by the funds each year; keeping it low means more of the portfolio’s return stays in your pocket instead of going to managers. Compared with many actively managed or higher‑fee strategies, this cost level aligns very well with best practices in low‑cost investing. Over long periods, even small fee differences can compound significantly, so this lean cost structure is a real strength.
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