Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it

Balanced US growth portfolio with strong large cap focus and moderate global and dividend diversification

Report created on Apr 23, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is simple and evenly split across five holdings, each at 20%. Four of them track broad US indices with different emphases: overall market, growth, tech-heavy, and dividend payers. The fifth adds a diversified basket of international stocks. This kind of structure makes it easy to understand where returns are coming from, because each fund plays a fairly clear role. With everything at equal weight and no bonds or cash, the portfolio leans fully into equities while still mixing growth, income, and global pieces. That creates a single risk “engine,” but with several sources of return inside it.

Growth Info

From late 2020 to April 2026, $1,000 in this portfolio grew to about $2,068, a compound annual growth rate (CAGR) of 14.16%. CAGR is like average speed on a road trip: it smooths out the bumps to show how fast you progressed overall. The worst peak‑to‑trough drop was about -26.8%, taking 10 months to fall and 14 months to recover. Compared with benchmarks, performance slightly lagged the US market but beat the global market. That pattern fits a portfolio that is heavily US‑tilted yet still holds some international exposure, which tends to dilute pure US performance a bit when America outperforms.

Projection Info

The Monte Carlo projection uses past return and volatility patterns to simulate many possible 15‑year paths for $1,000. Think of it as rolling the dice 1,000 times with probabilities based on history, not guarantees. The median outcome of about $2,843 implies an annualized return around 8.1%, with a wide “likely” range from roughly $1,728 to $4,089. The very broad 5–95% band shows outcomes from almost flat to several multiples of the starting value. This spread highlights how uncertain long‑term equity investing can be, even when the average looks attractive. It’s a reminder that future markets don’t have to follow past patterns.

Asset classes Info

  • Stocks
    100%

All of this portfolio is in stocks, with no allocation to bonds, cash, or alternatives. Asset classes are broad buckets like stocks, bonds, and real estate that tend to behave differently across market cycles. A 100% equity mix usually means more growth potential over long periods, but also larger swings in value along the way. Relative to many “balanced” portfolios that combine stocks and bonds, this one is more growth‑oriented and relies entirely on equity markets for both returns and risk. Diversification here comes from mixing different kinds of equities rather than mixing different asset classes.

Sectors Info

  • Technology
    32%
  • Telecommunications
    11%
  • Financials
    10%
  • Health Care
    10%
  • Industrials
    8%
  • Consumer Discretionary
    8%
  • Consumer Staples
    8%
  • Energy
    5%
  • Basic Materials
    2%
  • Consumer Discretionary
    2%
  • Utilities
    2%
  • Real Estate
    1%

Sector exposure is clearly tilted toward technology at 32%, with telecommunications and financials next in line. Smaller slices go to health care, industrials, consumer areas, energy, materials, utilities, and real estate. This pattern is quite similar to broad US equity benchmarks, which are also tech‑heavy today. Tech‑ and communication‑driven portfolios often benefit when innovation and digital businesses outperform, but they can feel more sensitive when interest rates rise or sentiment turns against growth companies. The presence of dividend and broad market funds helps keep other sectors meaningfully represented, supporting diversification across different parts of the economy.

Regions Info

  • North America
    81%
  • Europe Developed
    8%
  • Japan
    3%
  • Asia Developed
    3%
  • Asia Emerging
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, about 81% of the portfolio is in North America, with the rest spread across developed and emerging markets abroad. That means returns are dominated by US markets and the US dollar, while still getting a modest boost from other regions. Compared with a purely global benchmark, this is a clear US tilt, which has been helpful in the last decade as US stocks led many peers. The international fund adds exposure to Europe, Japan, and emerging Asia, which can behave differently from the US over time. This mix balances familiarity of home‑market exposure with some global diversification.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    40%
  • Mid-cap
    15%
  • Small-cap
    2%

Market capitalization exposure is heavily concentrated in mega‑ and large‑cap companies, which together make up over 80% of the portfolio. Mid‑caps take a modest slice and small‑caps are only about 2%. Bigger companies tend to be more established and liquid, which can mean more stability and tighter trading spreads, but sometimes slower growth compared with smaller firms. Many broad indices are also dominated by large names, so this structure aligns well with common benchmarks. It also means the portfolio’s behavior is likely to track the fortunes of the largest, most widely followed companies rather than more niche or early‑stage businesses.

True holdings Info

  • NVIDIA Corporation
    4.19%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Apple Inc
    3.40%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Microsoft Corporation
    2.68%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Amazon.com Inc
    2.17%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Alphabet Inc Class A
    1.67%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Broadcom Inc
    1.63%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Meta Platforms Inc.
    1.46%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Alphabet Inc Class C
    1.43%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Tesla Inc
    1.42%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Schwab U.S. Large-Cap Growth ETF
  • UnitedHealth Group Incorporated
    0.97%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • Top 10 total 21.02%

Looking through the top holdings of the ETFs, a handful of mega‑cap companies show up prominently across multiple funds. Names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, and Meta together already represent meaningful percentages of the overall portfolio. Because several funds own the same giants, the true exposure to these companies is higher than any single fund’s listing suggests. This kind of overlap is normal in index‑based portfolios, especially when they focus on similar universes like large US growth stocks. It does, however, create hidden concentration: the portfolio’s fate is more tied to a small group of leading companies than the fund count alone implies.

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 exposures across value, size, momentum, quality, yield, and low volatility are all in the “neutral” band, close to market averages. Factors are like underlying traits of stocks—cheap vs. expensive (value), big vs. small (size), steady vs. jumpy (low volatility)—that research links to long‑term return patterns. A neutral profile means the portfolio doesn’t strongly lean into or away from any one factor. Instead, it behaves similarly to broad equity indices, with no big style bets on things like deep value, high momentum, or high yield. This kind of balance can help keep performance from being overly tied to any single factor cycle.

Risk contribution Info

  • Invesco NASDAQ 100 ETF
    Weight: 20.00%
    25.3%
  • Schwab U.S. Large-Cap Growth ETF
    Weight: 20.00%
    25.2%
  • Fidelity 500 Index Fund
    Weight: 20.00%
    19.7%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 20.00%
    16.2%
  • Schwab U.S. Dividend Equity ETF
    Weight: 20.00%
    13.6%

Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ from its weight. Here, the two growth‑oriented funds—NASDAQ 100 and Schwab US Large‑Cap Growth—are each 20% by weight but contribute about 25% of risk each. Meanwhile, the dividend ETF contributes significantly less risk than its 20% allocation. This means the top three positions in terms of volatility impact account for just over 70% of total portfolio risk. In practice, that tells you overall behavior is most influenced by the growth‑heavy US pieces, while the dividend and international funds have a smoothing effect.

Redundant positions Info

  • Invesco NASDAQ 100 ETF
    Schwab U.S. Large-Cap Growth ETF
    High correlation

The NASDAQ 100 ETF and the Schwab US Large‑Cap Growth ETF have moved almost identically in the historical data. Correlation measures how two investments move relative to each other, on a scale from -1 (always opposite) to +1 (always together). When two holdings are highly correlated, holding both doesn’t add much diversification; they tend to rise and fall in tandem. In this portfolio, those two growth funds act almost like a single risk source, even though they’re separate products. That helps explain why they punch above their weight in risk contribution and why the overall portfolio feels strongly tied to US large‑cap growth trends.

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.

Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it

On the risk‑return chart, the current portfolio sits on or very close to the efficient frontier, with a Sharpe ratio of 0.65. The Sharpe ratio compares excess return over a risk‑free rate to volatility—higher means better compensation for each unit of risk. The “optimal” mix of these same holdings shows a higher Sharpe mainly by slightly tweaking risk downward while keeping similar expected return. The minimum variance mix lowers risk further but also lowers expected return. Since the current allocation lies essentially on the frontier, the existing weights are already making effective use of these holdings for their chosen risk level.

Dividends Info

  • Fidelity 500 Index Fund 1.10%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.40%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.64%

The overall dividend yield is about 1.64%, with a wide range across the funds. The dedicated dividend ETF yields around 3.4%, providing most of the income punch, while the growth‑focused funds yield well under 1%. Dividends are cash payouts from companies and can be a steady component of total return, especially when reinvested. In this portfolio, income plays a supporting role rather than being the main driver of returns. The blend of a higher‑yielding dividend fund and lower‑yielding growth funds creates a modest but not negligible cash flow profile that complements the emphasis on capital appreciation.

Ongoing product costs Info

  • Fidelity 500 Index Fund 0.02%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.06%

Total annual costs for the portfolio are low, with a blended expense ratio around 0.06%. Expense ratios are the percentage that fund providers charge each year to run the funds, quietly deducted from returns. Keeping this number small helps more of the portfolio’s gains stay in your account rather than going to fees. Here, the use of broad index funds from major providers keeps costs impressively competitive, well in line with or better than many comparable index options. Over long periods, that cost advantage can compound into a meaningful difference in ending wealth, even if it seems tiny year to year.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey