Balanced growth focused stock portfolio with strong US bias and diversified company size exposure

Report created on Apr 17, 2026

Risk 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.

Positions

This portfolio is a pure stock mix split across one large US index fund, one broad international fund, and three US small‑ and mid‑cap funds. Roughly half sits in a core US large‑cap holding, with the rest tilted toward smaller companies and non‑US markets. That structure creates a classic “core and satellite” setup: a stable core plus higher‑octane edges. This matters because the core typically tracks broad market behaviour, while the satellites can drive extra growth and volatility. The main takeaway is that the portfolio is clearly built for capital growth, not stability or income, and short‑term ups and downs will likely be meaningful.

Growth Info

From late 2019 to April 2026, $1,000 grew to about $2,311, a compound annual growth rate (CAGR) of 13.67%. CAGR is like your average speed on a long road trip, smoothing out bumps along the way. The portfolio slightly beat the global equity market but lagged the US market, which has been especially strong recently. Max drawdown—your worst peak‑to‑trough drop—was about -36%, a sharp but fairly typical equity crash, similar to global benchmarks. It only took five months to recover, which is quite resilient. This history shows the portfolio has delivered solid long‑term growth while accepting deep but temporary declines, consistent with a growth‑oriented risk profile.

Projection Info

The Monte Carlo projection runs 1,000 simulations of the next 15 years using patterns from historical returns and volatility, then shows a range of possible outcomes. Think of it as re‑rolling the market dice many times to see different paths your money could take. The median result turns $1,000 into about $2,773, an annualized 8.14% across all simulations. But the range is wide: roughly $1,836–$4,314 in the middle band and $999–$7,863 in the outer band. This highlights that even with a growth bias, outcomes are uncertain, and past data can’t guarantee future results—markets can behave very differently from history.

Asset classes Info

  • Stocks
    100%

All of the portfolio is in stocks, with no bonds, cash funds, or alternative assets. That 100% equity allocation maximizes long‑term growth potential but also leaves the portfolio fully exposed to stock market cycles. Asset classes behave differently in stress: bonds and cash often hold up better when stocks fall, while alternatives can follow their own patterns. Here, diversification comes from spreading across many stocks and regions, not from mixing different asset types. This setup is generally suited to investors with long horizons who can ride through bear markets without needing to sell, but it’s usually too aggressive for those needing short‑term stability or predictable withdrawals.

Sectors Info

  • Technology
    25%
  • Financials
    15%
  • Industrials
    13%
  • Health Care
    10%
  • Telecommunications
    7%
  • Consumer Discretionary
    5%
  • Consumer Discretionary
    5%
  • Consumer Staples
    5%
  • Energy
    5%
  • Basic Materials
    4%
  • Utilities
    3%
  • Real Estate
    3%

Sector exposure is broad, with technology the largest slice at about 25%, followed by financials, industrials, and health care. This spread looks reasonably aligned with common global equity benchmarks, which is a positive sign for diversification. A strong tech presence can boost returns during innovation and growth cycles but can also increase sensitivity to interest‑rate moves and sentiment toward high‑growth businesses. Meanwhile, meaningful allocations to sectors like financials, industrials, staples, and utilities add balance across more cyclical and more defensive areas. Overall, the sector mix is well‑balanced and aligns closely with global standards, providing a solid structural foundation.

Regions Info

  • North America
    84%
  • Europe Developed
    6%
  • Japan
    3%
  • Asia Developed
    3%
  • Asia Emerging
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, about 84% of the portfolio is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and small slices in emerging markets and Australasia. Global market weights are heavily US‑tilted, but this portfolio leans even more towards North America than broad world indices, reinforcing a home‑bias. Geographic exposure matters because economies, currencies, and political risks differ by region. A strong US tilt has been rewarding in recent years but ties most outcomes to one economy and currency. The modest non‑US sleeve still adds useful diversification, yet overall results will be driven mainly by how North American markets perform.

Market capitalization Info

  • Mega-cap
    31%
  • Mid-cap
    26%
  • Large-cap
    25%
  • Small-cap
    12%
  • Micro-cap
    6%

The mix across company sizes is nicely spread: roughly a third in mega‑caps, about a quarter in large‑caps, another quarter in mids, and the rest in small and micro‑caps. Market capitalization exposure affects how the portfolio reacts to different market phases—larger companies tend to be more stable and widely researched, while smaller companies can be more volatile but offer higher growth potential. Many broad benchmarks are dominated by mega‑ and large‑caps, so the noticeable small‑ and mid‑cap slice here is a distinctive feature. This allocation is well‑balanced and can help capture both the stability of giants and the dynamism of smaller firms.

True holdings Info

  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.58%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Sandisk Corp
    0.43%
    Part of fund(s):
    • Schwab U.S. Small-Cap ETF
  • Lumentum Holdings Inc
    0.24%
    Part of fund(s):
    • Schwab U.S. Small-Cap ETF
  • Samsung Electronics Co Ltd
    0.23%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Newmont Goldcorp Corp
    0.22%
    Part of fund(s):
    • Vanguard Mid-Cap Index Fund ETF Shares
  • ASML Holding N.V.
    0.21%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Corning Incorporated
    0.18%
    Part of fund(s):
    • Vanguard Mid-Cap Index Fund ETF Shares
  • Tencent Holdings Ltd
    0.16%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Howmet Aerospace Inc
    0.16%
    Part of fund(s):
    • Vanguard Mid-Cap Index Fund ETF Shares
  • Constellation Energy Corp
    0.16%
    Part of fund(s):
    • Vanguard Mid-Cap Index Fund ETF Shares
  • Top 10 total 2.56%

Looking through the top holdings of the ETFs, there is some exposure to well‑known global names like Taiwan Semiconductor, Samsung, Tencent, and ASML, but each is a very small slice of the total portfolio. Overlap across funds in these top holdings appears limited, though coverage is only about 5% of total assets, so hidden overlap further down the holdings list is likely but not visible here. Look‑through analysis matters because if the same company shows up in multiple funds, your true exposure is higher than it looks. Based on available data, concentration in individual stocks seems modest, supporting diversification at the company level.

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 exposure is broadly neutral across all six major factors: value, size, momentum, quality, low volatility, and yield. Factor exposure describes how much a portfolio leans into certain characteristics that research links to long‑term returns—think of them as “behavioural fingerprints” of the holdings. With readings close to 50% across the board, this portfolio behaves a lot like the overall market, without strong tilts toward or away from any factor. That means performance will likely be driven more by broad market moves and stock selection within the funds rather than by deliberate factor bets. For many investors, this kind of neutrality is a solid, low‑complexity starting point.

Risk contribution Info

  • Fidelity 500 Index Fund
    Weight: 50.30%
    49.1%
  • Schwab U.S. Small-Cap ETF
    Weight: 15.87%
    19.0%
  • Vanguard Mid-Cap Index Fund ETF Shares
    Weight: 14.78%
    15.2%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 16.88%
    14.1%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 2.17%
    2.6%

Risk contribution measures how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. Here, the large US index fund is about half the portfolio and contributes roughly half the risk—very proportional. The US small‑cap and mid‑cap funds each add slightly more risk than their weights, reflecting the naturally higher volatility of smaller companies. The international fund actually contributes less risk than its weight, hinting at helpful diversification. No single holding massively dominates risk, which is encouraging. If someone wanted to dial down volatility, trimming small‑cap exposure or boosting the international slice could be levers to consider.

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 shows the current mix has a Sharpe ratio of 0.54, below both the maximum‑Sharpe portfolio (0.78) and even the minimum variance portfolio (0.66). The Sharpe ratio is a simple way to compare risk‑adjusted returns: how much extra return you get for each unit of volatility, above a risk‑free rate. The portfolio sits about 1.87 percentage points below the frontier at its current risk level, meaning that with the same holdings but different weights, history suggests a better balance of risk and return was possible. That doesn’t guarantee the future will match the model, but it does hint that minor reweighting could make the existing ingredients work more efficiently.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Fidelity 500 Index Fund 1.10%
  • Schwab U.S. Small-Cap ETF 1.10%
  • Vanguard Mid-Cap Index Fund ETF Shares 1.40%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.44%

The overall dividend yield is about 1.44%, with the international fund offering the highest yield and the small‑cap value fund also contributing. Dividend yield is the cash income you receive as a percentage of your investment each year, like rental income from a property. This level of yield is on the lower side and signals a focus on growth rather than income. That’s not inherently good or bad—it simply means most of the expected return is from price appreciation, not cash payouts. For someone reinvesting dividends, that can support compounding; for someone seeking regular cash flow, this setup may feel relatively light on income.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Fidelity 500 Index Fund 0.02%
  • Schwab U.S. Small-Cap ETF 0.04%
  • Vanguard Mid-Cap Index Fund ETF Shares 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.04%

The total expense ratio (TER) across the portfolio is around 0.04%, which is impressively low. TER is the ongoing annual fee charged by funds, taken from assets behind the scenes—like a small drag on your car’s fuel efficiency. Most holdings sit in the 0.02%–0.05% range, with only the small‑cap value ETF slightly higher at 0.25%. Keeping costs this tight is a real strength: every dollar not paid in fees stays invested and compounds over time. Compared to many actively managed or niche funds, these costs are very competitive and support better long‑term performance without needing to change anything in the structure.

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