Fast-growth portfolio with a secret small-cap daredevil hiding inside an otherwise sensible index shell
Report created on Aug 16, 2026Risk profile
5/7
Diversification profile
3/5
Positions
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SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 35.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 35.00% -
CO Costco Wholesale Corp
COST - US22160K1051 10.00% -
LT Lantronix Inc
LTRX - US5165482036 10.00% -
TS Taiwan Semiconductor Manufacturing
TSM - US8740391003 10.00%
This portfolio looks like a calm, boring index investor got drunk and added three pet stocks. Two big, broad ETFs cover most of the world, then 30% is fired into single names: Costco, TSM, and a tiny wild-child called Lantronix. Structurally, it’s basically “global-ish index core plus three lottery tickets,” except two of the tickets are actually respectable businesses and one is a speculative side quest. The result is a portfolio that pretends to be diversified while a handful of picks can still swing the mood. It’s not chaos, but it’s definitely not the clean, rules-based setup the ETF allocations are trying to cosplay as.
Growth
Historically, this thing absolutely smoked both the US and global markets: ~19.1% CAGR versus 15.3% US and 12.6% global. Turning $1,000 into about $5,707 over the period is elite territory. But the price of that flex was a nasty max drawdown of roughly -37.6%, deeper and more drawn out than the benchmarks. That 11‑month slide and nearly two‑year recovery is the “you thought you were a genius until 2022” period. Past performance is like your gym PRs: nice for the ego, useless if you think they guarantee next year’s lift will be the same.
Projection
The Monte Carlo projection basically says, “Congrats on the past, but the future might be a lot more average.” Simulations land the median 15‑year outcome at about $2,767 from $1,000 — solid, but nowhere near the historical rocket ship. There’s a wide spread: 5th to 95th percentile runs from roughly $981 to $7,394, meaning anything from treading water to big wins. Monte Carlo is just a fancy way of rolling the dice thousands of times using past volatility. It’s still yesterday’s weather forecast extrapolated forward, not some divine prophecy of what this particular mix will actually do.
Asset classes
- Stocks 100%
Asset class breakdown is simple: 100% stocks, 0% chill. There’s no bonds, no cash buffer, nothing that even pretends to smooth the ride. That means everything depends on equities behaving themselves, which they historically do… until they very much don’t. Being all‑in stocks is like only owning sports cars and no daily driver: fun when roads are clear, less fun when it’s icy. The drawdown history already showed how that plays out. This setup is unapologetically “ride or die with equities,” which is perfectly coherent — just not remotely subtle or cushioned.
Sectors
- Technology 44%
- Consumer Staples 12%
- Financials 11%
- Industrials 8%
- Consumer Discretionary 6%
- Telecommunications 6%
- Health Care 6%
- Basic Materials 3%
- Energy 2%
- Utilities 1%
- Real Estate 1%
Sector-wise, technology is doing its best to turn this into a tech fan club at 44% of exposure. Then there’s a big chunk in consumer staples (hello, Costco), some financials, and a scattering of everything else mostly in single digits. So despite using broad ETFs, the portfolio still ends up leaning hard into tech and growthy stuff. That’s like ordering the “variety platter” and somehow still ending up with mostly fries. When tech rallies, this will look brilliant; when tech pukes, this will feel very correlated to one big theme pretending to be diversified.
Regions
- North America 58%
- Asia Emerging 14%
- Europe Developed 12%
- Asia Developed 7%
- Japan 5%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, it’s “America first, but not America only.” About 58% in North America, then a reasonable spread across emerging and developed regions: Asia emerging, Europe, Japan, and small crumbs elsewhere. For a US-based portfolio, this is actually shockingly sane — not the usual 90% home bias. The punchline, though: that international exposure comes mostly through a single ETF doing all the “rest of world” heavy lifting. So the map looks global, but structurally, it’s basically “US growth stocks plus a world fund on the side” rather than carefully built regional balance.
Market capitalization
- Mega-cap 56%
- Large-cap 20%
- Small-cap 12%
- Mid-cap 10%
Market cap mix is dominated by mega-caps at 56%, with the rest scattered among large, mid, and a notable 12% in small caps. On paper, that sounds textbook: big stable(ish) giants plus a bit of smaller stuff for spice. In practice, that “bit of smaller stuff” includes Lantronix chewing way above its weight, so the calm mega-cap majority is sharing the room with a jittery caffeine addict. The tilt overall is still to the heavyweight end of town, which tends to track the broad market closely — until the small-cap passenger decides to grab the steering wheel on volatile days.
True holdings
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NV NVIDIA Corporation 3.79%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
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AA Apple Inc. 3.12%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
MS Microsoft Corporation 2.56%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AM Amazon.com Inc 1.79%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.48%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.41%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AV Broadcom Inc 1.29%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Top 10 total 45.44%
Look-through holdings show the usual suspects: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom — the standard “big tech starter pack” courtesy of the ETFs. Then on top, there’s direct stakes in Costco, TSM, and Lantronix. TSM even sneaks in twice, once as a direct holding and again via ETFs, a cute bit of hidden concentration. Overlap is probably worse than the numbers show because we only see ETF top 10s. The net effect: a lot of faith in the same mega names appearing from multiple angles, plus a few hand-picked bets pretending to be special snowflakes.
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 profile is aggressively uninteresting, which is actually impressive. Value, size, momentum, quality, yield, low volatility — all hovering around neutral. That means the portfolio behaves a lot like the overall market factor-wise, even though the construction looks louder than that. Factor exposure is basically the ingredient label explaining why returns move the way they do; here, it’s saying “nothing quirky, just standard recipe.” For a setup with a tiny small-cap maniac and heavy growth ETFs, landing this balanced is either weirdly deliberate or a cosmic accident that just happened to cancel extremes out.
Risk contribution
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Schwab U.S. Large-Cap Growth ETF
Weight: 35.00% 34.6% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 35.00% 25.9% -
Lantronix Inc
Weight: 10.00% 20.8% -
Taiwan Semiconductor Manufacturing
Weight: 10.00% 12.8% -
Costco Wholesale Corp
Weight: 10.00% 6.0%
Risk contribution is where the mask slips. Those top three positions — Schwab US growth ETF, Vanguard international, and Lantronix — drive over 80% of total portfolio risk. Lantronix alone is 10% of weight but over 20% of risk, doing more drama than everything else its size should. That risk/weight ratio above 2 basically says it’s punching like a bar brawler in a room of office workers. Meanwhile, Costco sits there at 10% weight but only 6% of risk, the responsible adult. The portfolio weightings look diversified, but in volatility terms it’s a three-character show.
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, this portfolio is basically leaving performance on the table with messy sizing. At its current risk level, it sits about 4.45 percentage points below what could be achieved just by reweighting the same holdings. The Sharpe ratio of 0.81 versus an optimal 1.22 is a polite way of saying the mix is a bit sloppy: same ingredients, worse sandwich. The minimum-variance version even keeps the same Sharpe as now with much lower risk. So it’s not the holdings that are the issue — it’s how they’re awkwardly jammed together.
Dividends
- Costco Wholesale Corp 0.60%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Taiwan Semiconductor Manufacturing 0.70%
- Vanguard Total International Stock Index Fund ETF Shares 2.50%
- Weighted yield (per year) 1.14%
The yield at about 1.14% is basically a rounding error disguised as income. The only real contributor is the international ETF around 2.5%; the rest are growth-leaning names tossing out token dividends at best. If this portfolio were a paycheck, it’d be mostly stock options and barely any cash. Dividends aren’t everything, but they do help smooth returns and give some tangible reward during sideways markets. Here, the message is clear: this is a capital growth story first, second, and third, with income showing up only as an afterthought cameo.
Ongoing product costs
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.03%
Costs are almost suspiciously low. With TERs of 0.04% and 0.05% on the ETFs, the blended fee around 0.03% is basically pocket lint. That’s “did you misclick into the cheap fund?” territory. The good news: at least the drag isn’t coming from fees. The bad news: with expenses this low, there’s nowhere to hide from performance — if things go wrong, it’s entirely the holdings and weights, not some overpriced wrapper. For a portfolio that otherwise wanders into risky territory, at least it’s not burning money just for the privilege of doing so.
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