US large cap growth core with a modest dividend tilt and light international diversification
Report created on Apr 24, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 70.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 20.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10.00%
This portfolio is built from three low-cost stock ETFs, with about 70% in a broad US large‑cap index, 20% in a US dividend‑focused fund, and 10% in a total international equity fund. So it is heavily anchored in US stocks, with a secondary emphasis on dividend payers and a small allocation overseas. Structurally, that means most of the portfolio’s behavior will track the overall US market, while dividends and foreign holdings play supporting roles. A three‑fund structure like this is simple to follow and easy to maintain, which often helps investors stay consistent through market ups and downs.
Growth
Over the period from 2016 to 2026, $1,000 invested in this mix grew to about $3,703, which translates to a compound annual growth rate (CAGR) of 14.03%. CAGR is like average speed on a road trip, showing the smooth yearly rate that would get you from start to finish. The max drawdown of about -34% during early 2020 was sharp but in line with major markets. Compared with benchmarks, the portfolio slightly lagged the US market but beat the global market by a notable margin. That pattern fits its strong US tilt, which has been a performance advantage over global stocks in this window.
Projection
The Monte Carlo projection takes the portfolio’s historical risk and return patterns, then simulates 1,000 alternate futures over 15 years. It’s like running many different “what if” market histories to see a range of possible outcomes, not just a single forecast. The median result grows $1,000 to about $2,765, with a 74% chance of ending above the starting value and an overall average annualized return of 8.11%. The wide possible range—from roughly $985 to $7,573—shows how uncertain long‑term outcomes can be, even with the same starting portfolio. These simulations rely on past data, so they cannot guarantee future results.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with no bonds, cash, or alternative assets in the mix. That means its ups and downs are fully driven by equity markets, with no built‑in ballast from typically steadier asset classes. In practice, a 100% stock allocation tends to offer higher long‑term growth potential but also larger short‑term swings, especially during market stress. Relative to a “balanced” mix that often includes bonds, this structure leans more toward growth and volatility. The historical drawdown of about one‑third is consistent with an all‑equity profile, rather than a cushion from fixed income.
Sectors
- Technology 28%
- Financials 13%
- Health Care 11%
- Consumer Discretionary 9%
- Industrials 9%
- Telecommunications 9%
- Consumer Staples 8%
- Energy 6%
- Basic Materials 2%
- Utilities 2%
- Real Estate 2%
Sector-wise, the portfolio has a clear growth tilt, with technology at about 28% of equity exposure and meaningful weights in financials, health care, consumer areas, and communications. This is broadly similar to major US benchmarks, where tech and tech‑adjacent businesses play a big role. Tech‑heavy allocations can benefit when innovation and earnings growth are rewarded, but they also tend to be more sensitive to interest rate changes and shifts in investor sentiment. The presence of sectors like consumer staples, utilities, and energy adds some balance, helping spread risk across different parts of the economy instead of relying on a single theme.
Regions
- North America 90%
- Europe Developed 4%
- Japan 2%
- Asia Developed 1%
- Asia Emerging 1%
Geographically, around 90% of the portfolio sits in North America, with only modest exposure to Europe, Japan, and parts of Asia. Compared with global stock market weights, this is a clear overweight to the US and an underweight to the rest of the world. A strong home‑country tilt can feel familiar and has worked well during periods when US companies outperformed globally, as they largely did in the sample period. The trade‑off is that portfolio results depend heavily on one economy, currency, and policy environment. When US markets struggle relative to other regions, this kind of concentration can show up in performance gaps.
Market capitalization
- Large-cap 43%
- Mega-cap 37%
- Mid-cap 18%
- Small-cap 2%
By market capitalization, the portfolio is dominated by mega‑cap and large‑cap stocks, which together make up about 80% of exposure, with smaller slices in mid‑caps and only 2% in small‑caps. Large and mega companies tend to be more established, widely researched, and often more stable than smaller firms, which can reduce idiosyncratic risk from any single holding. At the same time, it means less participation in periods when smaller companies lead the market. This size profile is very similar to broad US and global indices, so the portfolio behaves much like a mainstream large‑cap equity blend rather than a small‑cap or niche strategy.
True holdings
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NV NVIDIA Corporation 5.31%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc 4.66%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.44%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.55%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.09%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.83%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.68%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.57%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.31%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 1.10%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 25.54%
Looking through the ETFs’ top holdings, a handful of big names make up a meaningful chunk of the portfolio: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Berkshire Hathaway together account for a significant share of the covered portion. Many of these appear across multiple funds, which creates overlap—owning the same company through more than one ETF. Because only top‑10 positions are included, true overlap is likely higher than shown. This kind of concentration in a small group of dominant companies can be powerful when they do well, but it also means portfolio movements are closely tied to their collective fortunes.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility sits broadly in the “neutral” zone, close to market‑average levels. Factors are like underlying traits—such as cheapness (value) or stability (low volatility)—that research links to long‑term return patterns. A neutral profile means this portfolio is not strongly leaning into or away from any one factor. Instead, it behaves much like a broad market index, with performance mainly driven by overall equity moves rather than explicit factor tilts. This balanced factor stance can help avoid big swings that sometimes come with concentrated factor bets.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 70.00% 73.3% -
Schwab U.S. Dividend Equity ETF
Weight: 20.00% 17.9% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 10.00% 8.8%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the S&P 500 ETF is 70% of the portfolio but contributes about 73% of total risk, slightly more than its size. The dividend ETF and international ETF both contribute a bit less risk than their weights. Overall, nearly all risk comes from these three funds, which is expected given the concentrated structure. The small gap between weight and risk share suggests that no single holding is dramatically more volatile than its size indicates, keeping risk concentration fairly proportional.
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 risk vs. return chart, the current portfolio sits on or very close to the efficient frontier. The efficient frontier represents the best possible return for each risk level using just these holdings, and the Sharpe ratio measures risk‑adjusted return by comparing excess return to volatility. With a Sharpe of 0.62, the current mix is reasonably efficient, though an alternate weighting could theoretically reach a Sharpe of 0.81 with slightly higher risk. The minimum variance mix would lower risk somewhat but also reduce return. Being near the frontier is a positive sign that the existing allocation is using its components effectively.
Dividends
- Schwab U.S. Dividend Equity ETF 3.40%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.73%
The overall dividend yield of the portfolio is about 1.73%, blending a higher‑yielding US dividend ETF (around 3.4%) with the lower yields of the S&P 500 and international fund. Dividends are cash payments from companies and can be an important part of total return over time, especially when reinvested. In this portfolio, dividends provide a modest income stream rather than a dominant feature. The dividend‑focused slice adds some tilt toward cash‑returning companies, which can sometimes be more mature and less growth‑oriented, helping balance the stronger growth emphasis of the S&P 500 component.
Ongoing product costs
- Schwab U.S. Dividend Equity ETF 0.06%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
Costs are impressively low, with a total expense ratio (TER) around 0.04% across the three ETFs. TER is the annual fee charged by a fund, taken out of returns behind the scenes—like a small membership fee for professional management and index tracking. At these levels, fees are barely a headwind and compare very favorably to many actively managed funds and even some other index products. Over long periods, keeping costs low leaves more of the portfolio’s gross returns in the investor’s pocket. This cost structure is a clear strength and supports better compounding over time.
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