Growth focused equity portfolio with strong US tilt and solid diversification across sectors and sizes

Report created on Feb 24, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is almost entirely in stock ETFs, with a big 65% core in a broad US large‑cap fund, plus 25% in international high‑dividend stocks and two 5% “satellite” all‑cap and small‑cap value funds. Compared with a typical global benchmark, it’s more US‑heavy and more fully invested in equities, which fits a growth profile but makes it sensitive to stock market swings. Having one dominant core holding simplifies things but can hide overlap with the smaller positions. Trimming redundant holdings and deciding whether the 5% satellites are meant to be meaningful tilts or just clutter could tighten the overall design without changing the general growth orientation.

Growth Info

Using the stated Compound Annual Growth Rate (CAGR) of 16.04%, a hypothetical 10,000 dollars invested over 10 years would have grown to roughly 44,000 dollars. That’s well ahead of long‑run stock market averages and lines up with a strong recent decade for US and global equities. The max drawdown of about -35% shows that while returns were high, the ride was bumpy and required staying invested through big drops. The fact that just 21 days made up 90% of total returns underlines how missing a few strong days could matter a lot. As always, these numbers are backward‑looking and can’t reliably predict the next decade.

Projection Info

The Monte Carlo analysis runs 1,000 simulated futures by “reshuffling” historical return and volatility patterns to see many possible paths. Here, the median (50th percentile) outcome of about 645% suggests a 10,000‑dollar starting amount might land around 74,500 dollars in a typical scenario, while the 5th percentile near 120% hints at much leaner results in tougher markets. An average simulated annual return of 17.07% is very high and mainly reflects the strong historical period feeding the model. Simulations are useful for framing a range of outcomes, but they’re still built on the past. Treat them as rough scenario planning, not promises about what will actually happen.

Asset classes Info

  • Stocks
    99%

The portfolio is 99% in stocks and basically 0% in cash or other assets, which is fully aligned with a growth‑oriented approach and the given risk profile. This stock‑only setup maximizes exposure to long‑term market upside but also leaves the portfolio heavily exposed during sharp equity sell‑offs, with no built‑in “shock absorbers” like bonds or cash. For many long‑term investors that is acceptable, especially when income or an emergency fund sits outside the portfolio. To smooth the ride, some people would add a small slice of lower‑volatility assets elsewhere in their finances rather than inside this specific account, keeping this portfolio dedicated to growth.

Sectors Info

  • Technology
    25%
  • Financials
    20%
  • Consumer Discretionary
    10%
  • Industrials
    9%
  • Telecommunications
    9%
  • Health Care
    8%
  • Consumer Staples
    5%
  • Energy
    5%
  • Basic Materials
    4%
  • Utilities
    3%
  • Real Estate
    2%

Sector exposure is broad and nicely diversified: technology is the biggest slice at 25%, followed by financials at 20%, with meaningful allocations across cyclicals, industrials, communication services, healthcare, defensives, energy, materials, utilities, and real estate. This mirrors common large‑cap benchmarks fairly well and avoids extreme bets on any single area. A tech‑leaning allocation is typical today and has done very well, but tends to feel more painful when interest rates rise or growth expectations cool. Overall, the sector mix is a clear strength here, and it already lines up with mainstream global standards, so any tweaks would be more about fine‑tuning than fixing problems.

Regions Info

  • North America
    72%
  • Europe Developed
    13%
  • Japan
    5%
  • Asia Developed
    3%
  • Asia Emerging
    2%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, about 72% sits in North America, with the rest spread across developed Europe and Asia plus small slices in emerging regions. That US tilt is completely normal for American investors and has helped lately because US markets have outperformed many other regions. The international dividend and small‑cap value fund bring in 28% non‑US exposure, improving diversification across currencies, political systems, and economic cycles. Still, this mix is more home‑biased than a strictly market‑cap‑weighted global benchmark. Some investors are comfortable with that; others eventually like nudging their foreign share a bit higher to reduce dependence on a single country’s stock market and economic policies.

Market capitalization Info

  • Mega-cap
    44%
  • Large-cap
    33%
  • Mid-cap
    19%
  • Small-cap
    3%

The market cap breakdown—44% mega, 33% big, 19% medium, 3% small, and essentially no micro—lines up closely with how global equity markets are actually structured. This is a plus, because it avoids an accidental overbet on tiny, volatile companies while still keeping some exposure to smaller, potentially faster‑growing names. The small‑cap value fund helps tilt a slice of the portfolio toward more “out of favor” smaller companies, adding a bit of diversification in return drivers. If a stronger small‑cap tilt is a goal, the 3% small‑cap share could be increased, but it’s already an intentional add‑on rather than an oversight, which is a sign of thoughtful construction.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Avantis® U.S. Equity ETF
    High correlation

The US core fund and the all‑cap US equity ETF are highly correlated, meaning they tend to move almost in lockstep. Correlation is just a score of how similarly two things move; when it’s very high, holding both doesn’t add much diversification. In this case, the 5% US equity satellite probably behaves a lot like the 65% core, so its main effect is extra complexity rather than a smoother ride. Streamlining overlapping positions while keeping broad coverage can simplify monitoring and rebalancing. That said, if the smaller fund has a slightly different style tilt, it may still play a niche role, just one that should be consciously chosen.

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.

Risk‑return efficiency here could be improved a bit by cleaning up overlap rather than by big structural changes. The Efficient Frontier is the set of portfolios that give the best possible tradeoff between risk (ups and downs) and expected return using the same ingredients. With two very similar US funds, shifting more toward a single core and adjusting around the edges might move this portfolio closer to that efficient line without sacrificing its growth character. It’s worth remembering that “efficient” only refers to risk versus return; it doesn’t automatically mean best for taxes, simplicity, or personal preferences, so those practical factors should still drive the final shape.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.60%
  • Avantis® U.S. Equity ETF 1.00%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 3.30%
  • Weighted yield (per year) 1.72%

The overall dividend yield of about 1.72% is modest, roughly in line with broad equity markets, but the international high‑dividend fund at 3.30% meaningfully boosts income from the non‑US piece. Dividends are just cash payments from companies and can be useful for investors who like a steady cash flow to reinvest or spend. In a growth‑oriented setup like this, price appreciation will likely drive most results, while dividends are a nice secondary contributor. If reliable income becomes a higher priority in the future, gradually increasing the share of higher‑yielding holdings—or simply redirecting dividends to cash rather than reinvesting—could shift the portfolio’s role from pure growth toward partial income support.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Equity ETF 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
  • Weighted costs total (per year) 0.10%

The weighted total expense ratio of around 0.10% is impressively low, especially for a portfolio with both US and international exposure plus a couple of more specialized funds. Costs are one of the few factors investors can control, and even tenths of a percent can compound into big differences over decades. The very cheap core fund anchors the fee level, while the two Avantis ETFs carry higher costs but still sit in a reasonable range for more focused strategies. As long as those satellite funds are intentionally used for their specific tilts, the slightly higher fees are justified. Overall, this cost structure strongly supports long‑term performance.

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