Confident growth chaser with zero chill about volatility and an accidental streak of actual competence
Report created on Mar 30, 2026Risk 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.
What type of investor this portfolio is suitable for
Growth Investors
This setup fits someone who can watch a portfolio drop a third in value and call it “character building.” The personality here is long-term, relatively fearless, and probably more interested in growth than sleeping soundly during every market panic. Goals likely include building serious wealth over decades rather than generating near-term income. The time horizon is clearly long — think retirement or big future life goals, not next year’s down payment. There’s an underlying belief that markets reward patience and risk, and a willingness to ride out ugly drawdowns without punching the eject button at exactly the wrong time.
Positions
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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 setup is the three-fund portfolio’s caffeinated cousin: 50% U.S. large growth, 30% international total market, 20% U.S. small value. It screams “I read one good article and went all in.” At least the structure is clear: offensive line is mega-cap growth, bench players are scrappy small value, and internationals fill the gaps. The roast? You’re 100% in stocks with zero ballast, which is fine if you enjoy watching your net worth do CrossFit in a crash. The sensible part is the barbell between growth and value; the less sensible part is pretending bonds and cash are a rumor.
Growth
Performance-wise, this thing has been riding with the cool kids. A $1,000 chunk became about $2,393, with a 14.4% CAGR, edging out the U.S. market and dunking on global. CAGR (compound annual growth rate) is basically your “average speed” from A to B, smoothing all the drama. Max drawdown at -35.2% means you watched a third of it vanish on paper at one point — that’s not a dip, that’s a lifestyle choice. Past data is like last season’s weather: useful, but it doesn’t promise your future summers won’t be storms.
Asset classes
- Stocks 100%
Asset class breakdown is easy: it’s all stocks, all the time. No bonds, no cash, no real diversifiers, just pure equity caffeine. That’s bold, but it also means every crash hits full force with nothing to cushion the fall. Asset allocation is like building a team: you picked all strikers, zero defenders. For someone with decades ahead and a strong stomach, this can work; for anyone who panics when a chart is red for more than a week, this is a recipe for bad decisions at the worst possible time.
Sectors
- Technology 29%
- Financials 15%
- Consumer Discretionary 13%
- Industrials 11%
- Telecommunications 9%
- Health Care 7%
- Energy 6%
- Basic Materials 4%
- Consumer Staples 3%
- Real Estate 1%
- Utilities 1%
Sector-wise, you’re basically saying, “Tech and friends will run the world forever.” Technology is the biggest slice at 29%, then financials, consumer discretionary, and industrials carry respectable weight; defensive stuff like staples, utilities, and real estate are tiny afterthoughts. That’s fine in boom times, but during a growth scare or rate shock, the fun parts of this portfolio are first against the wall. You’re underweight the boring, stable sectors that usually help when optimism dies. It’s not insane, just clearly a growth junkie’s lineup rather than a sleep-well mix.
Regions
- North America 72%
- Europe Developed 11%
- Japan 5%
- Asia Developed 4%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geography: 72% North America. So yes, America is absolutely the main character in this story. Europe, Japan, and other regions are basically supporting cast. You do at least have real non-US exposure, which is more than many U.S.-based portfolios manage, so grudging points for that. But you’re still betting pretty heavily that U.S. dominance continues indefinitely. If the rest of the world has a decade of catch-up outperformance, this setup will show up to that party late and underdressed. It’s not “America or bust,” but it’s definitely “America or… fine, a little bit of everyone else.”
Market capitalization
- Mega-cap 45%
- Large-cap 20%
- Small-cap 12%
- Mid-cap 11%
- Micro-cap 9%
Market cap mix is a bit of a split personality: 45% mega-cap, 20% large, then a non-trivial 12% small, 11% mid, and even 9% micro. That’s like pairing blue-chip CEOs with scrappy garage startups and hoping the average feels reasonable. The big names keep things somewhat anchored, but those small and micro slices will swing much harder, especially in panicky markets. It’s adventurous without being totally reckless, but don’t kid yourself — this is not a “steady plodder” profile. If volatility makes you queasy, those little guys will do the damage.
True holdings
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NV NVIDIA Corporation 5.76%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AA Apple Inc 5.14%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
MS Microsoft Corporation 3.76%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AM Amazon.com Inc 2.80%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class A 2.26%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AV Broadcom Inc 2.03%
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
-
GO Alphabet Inc Class C 1.82%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
ME Meta Platforms Inc. 1.71%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
LL Eli Lilly and Company 1.42%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Top 10 total 28.62%
The look-through is a Greatest Hits of “stocks everyone tweets about”: Nvidia, Apple, Microsoft, Amazon, Alphabet, Tesla, Meta, plus a cameo from Eli Lilly. You’ve basically bought a tech-fueled fan club wrapped in ETFs. Hidden overlap means those names show up in multiple funds, so when one of them sneezes, your whole portfolio catches a cold. And that’s just from the top-10 data; real overlap is likely higher. Translation: you’re not as diversified as the ETF count suggests — it’s more like three different wrappers around similar headliners.
Factors
Factor exposure is almost suspiciously normal: value, size, momentum, quality, yield, and low volatility all sit around neutral. Factor exposure is like checking what spices are actually in the dish — here, you basically followed the standard recipe. The only real “tilt” is conceptual: you’ve manually barbelled growth (large-cap growth ETF) with small value, but the factor numbers say the overall stew ends up pretty middle-of-the-road. This means you’ll generally move like the broad market: no secret edge, but also no bizarre hidden bets that blindside you when conditions change.
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% 23.8% -
Avantis® U.S. Small Cap Value ETF
Weight: 20.00% 22.3%
Risk contribution tells you which holdings are actually driving the mood swings, not just taking up space. Your 50% in Schwab U.S. Large-Cap Growth is doing 53.9% of the risk heavy lifting; Avantis small value is 20% weight but 22.3% of risk. That’s like two kids in the class causing most of the trouble. Vanguard international is relatively chill, contributing less risk than its weight. If any holding here starts misbehaving, the impact won’t be subtle. Trimming the rowdiest pieces or rebalancing occasionally can stop one ETF from turning your account into a rollercoaster.
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.
Sharpe ratios in this chart use the active CMA risk-free rate of 2.00% annualized.
Click on the colored dots to explore allocations.
On the risk–return chart, you’re basically sitting right on the efficient frontier, which is annoyingly competent. The Sharpe ratio (return per unit of risk) is 0.65; max Sharpe in this universe of funds is 0.74 with slightly higher risk, and the minimum-variance setup is calmer but meaningfully lower return. The efficient frontier is the curve of “best possible deals” for risk vs return using just these ingredients — and you’re pretty much on it. Translation: your mix isn’t leaving obvious free lunch on the table. Any improvement now is tweaking, not fixing a disaster.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.40%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- Weighted yield (per year) 1.38%
Total yield at 1.38% is firmly in the “don’t quit your day job” category. That’s fine for a growth-oriented setup, but anyone dreaming of living off these payouts is several zeros short. The international fund does most of the income work at 3%, while the growth ETF barely bothers with 0.4%. Dividends are nice because they’re like small, predictable snacks instead of waiting years for a feast — but this portfolio is clearly focused on capital gains. No issue there, just don’t pretend this is a serious income machine. It’s more a long-term appreciation play.
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%
Costs are where this portfolio quietly flexes. A total expense ratio around 0.08% is basically “couch cushion change” territory. You’re getting a globally diversified, factor-flavored equity mix for the price of ignoring one bad coffee per year. TER (total expense ratio) is just the annual fee baked into the funds — and here, it’s refreshingly low. Honestly, fees are under such good control it almost feels like an accident. At least you’re not lighting money on fire paying for a high-cost fund manager to hug the index and underperform in style.
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