Concentrated US stock portfolio mixing dividend strength growth and a single high impact position
Report created on Aug 5, 2026Risk profile
5/7
Diversification profile
2/5
Positions
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SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 52.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 25.00% -
HO Robinhood Markets Inc
HOOD - US7707001027 16.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 5.00% -
OK Oklo Inc.
OKLO - US02156V1098 2.00%
This portfolio is made up entirely of US stocks, mostly through three core ETFs plus two individual companies. Over half is in a broad dividend-focused ETF, about a quarter in a large‑cap growth ETF, and the rest in a small‑cap value ETF and two single stocks. That creates a barbell between steady dividend payers, faster‑growing large caps, and a few higher‑risk individual names. Structurally, it’s a fairly simple lineup, which makes it easier to understand how each piece behaves. At the same time, the heavy reliance on a few positions and one market means that changes in US conditions or those specific holdings can strongly shape the portfolio’s overall ups and downs.
Growth
From mid‑2021 to early August 2026, a hypothetical $1,000 in this portfolio grew to about $1,875. That translates into a compound annual growth rate (CAGR) of 13.42%, meaning the money grew as if it earned about 13.42% per year on average. Over the same period, it slightly outpaced the US market and clearly beat the global market. The flip side was a max drawdown of around ‑33.7%, deeper than both benchmarks. A max drawdown is the worst peak‑to‑trough fall; here it took 14 months to bottom and 22 months to recover. This history shows strong long‑run growth but also real discomfort during market stress.
Projection
The Monte Carlo projection looks at many possible future paths by mixing and reshuffling past return patterns. Think of it like running 1,000 alternate timelines to see the range of outcomes for $1,000 over 15 years. The median result is about $2,733, with a “middle” band from roughly $1,733 to $4,061 and a wider band from $966 to $7,685. The average annualized return across simulations is 8%. Importantly, these are statistical scenarios, not promises: they assume the future behaves somewhat like the past. The 72% chance of a positive outcome highlights generally favorable odds, but the low end of the range shows that losses over long periods are still possible.
Asset classes
- Stocks 100%
All of this portfolio sits in a single asset class: equities. That means every dollar is exposed to the same broad driver — company shares rising and falling with business conditions and investor sentiment. Equities historically have offered higher growth than bonds or cash but with bigger and more frequent swings. Many broad benchmarks mix stocks with other asset classes to smooth the ride, but this portfolio leans fully into stock risk. As a result, short‑term performance is tightly linked to how the stock market behaves, without a built‑in cushion from bonds or cash that might dampen volatility during major downturns.
Sectors
- Financials 25%
- Technology 18%
- Health Care 14%
- Consumer Staples 11%
- Energy 9%
- Consumer Discretionary 7%
- Telecommunications 7%
- Industrials 6%
- Utilities 2%
- Basic Materials 1%
Sector-wise, the portfolio leans hardest into financials at about 25%, followed by technology and health care, with meaningful slices in consumer staples, energy, and telecom. Compared with a typical broad US index, financials look elevated and some other areas slightly lighter, while still covering most major parts of the economy. Sector balance matters because different industries respond differently to interest rates, regulation, and economic cycles. For instance, financials can be sensitive to rate moves and credit conditions, while staples often act more defensively. Here, the spread across multiple sectors is a plus, but sector swings — especially in financials — can noticeably move overall returns.
Regions
- North America 100%
Geographically, everything is tied to North America, specifically the US. That creates a clear, single‑market focus. Many global benchmarks spread across the US, Europe, Asia, and emerging markets, reflecting that roughly half of global equity value lies outside the US. A 100% US stance benefits when the US outperforms other regions and keeps currency risk simple for a US‑based investor. On the other hand, if US stocks lag or American economic policy hits a rough patch, there’s no offset from other regions. So the portfolio’s fortunes are tightly bound to the health and valuation of one country’s stock market.
Market capitalization
- Large-cap 60%
- Mid-cap 18%
- Mega-cap 13%
- Small-cap 5%
- Micro-cap 3%
By market cap, this portfolio tilts strongly toward larger companies: about 60% large‑cap, 13% mega‑cap, and 18% mid‑cap, with smaller slices in small‑ and micro‑caps. Large and mega caps are often more established businesses with deeper resources and more stable earnings, which can moderate risk compared with a pure small‑cap portfolio. The presence of small and micro caps adds a dash of higher potential growth and volatility. Relative to a typical broad US index, this is still very much a big‑company portfolio. That means performance will be heavily driven by how large, well‑known US names do, with smaller companies playing more of a supporting role.
True holdings
-
-
AA Apple Inc. 2.66%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
NV NVIDIA Corporation 2.46%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AB Abbott Laboratories 2.45%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
AM Amgen Inc 2.26%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
MR Merck & Company Inc 2.24%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
KO The Coca-Cola Company 2.23%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
UN UnitedHealth Group Incorporated 2.20%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
HD The Home Depot Inc 2.13%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
PG Procter & Gamble Company 2.06%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
- Top 10 total 36.70%
Looking through the ETFs, the biggest single‑name exposure is Robinhood at 16%, held directly rather than via funds. After that, the largest underlying names like Apple, NVIDIA, Abbott, and Coca‑Cola each land around 2–2.5% in total, spread through the ETFs. This indicates a sizable single‑stock bet in Robinhood, while the rest of the portfolio is more diversified across many high‑quality blue chips. Because only ETF top‑10 holdings are included, overlap is likely understated, but we can still see that hidden concentration beyond Robinhood is limited. Overall, the ETF portion acts as a broad base, with one standout stock exposure sitting on top.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
On investment factors, this portfolio shows high exposure to quality and yield, while value, size, momentum, and low volatility are all roughly neutral. Quality exposure means a tilt toward companies with stronger balance sheets, steadier earnings, or higher profitability — often associated with more resilient performance during economic stress. A higher yield score reflects a meaningful bias toward dividend‑paying stocks, especially visible in the dividend ETF. Together, these tilts suggest a “quality dividend” flavor embedded inside an otherwise growth‑oriented mix. Neutral readings on other factors indicate the portfolio behaves broadly like the overall market on those dimensions, without strong style bets such as deep value or aggressive momentum.
Risk contribution
-
Robinhood Markets Inc
Weight: 16.00% 46.5% -
Schwab U.S. Dividend Equity ETF
Weight: 52.00% 25.1% -
Schwab U.S. Large-Cap Growth ETF
Weight: 25.00% 21.8% -
Avantis® U.S. Small Cap Value ETF
Weight: 5.00% 4.0% -
Oklo Inc.
Weight: 2.00% 2.6%
Risk contribution highlights how much each holding drives total volatility, which can differ a lot from its weight. Robinhood is the clearest example: at 16% of assets, it contributes about 47% of overall risk, nearly three times its size share. By contrast, the dividend ETF is 52% of the portfolio but only about a quarter of risk, showing its stabilizing role. The growth ETF and small‑cap value ETF add moderate risk roughly in line with their sizes, while the small Oklo position still contributes more risk than its tiny weight suggests. This pattern shows that portfolio behavior is dominated by one high‑volatility stock plus a large, calmer ETF anchor.
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 risk‑return chart shows the current portfolio below the efficient frontier by about 3.7 percentage points at its risk level. The Sharpe ratio — return per unit of risk above the risk‑free rate — is 0.68 now, versus 0.97 for the “optimal” mix using the same holdings and 0.70 for the minimum‑risk mix. Being below the frontier means that a different combination of the existing ETFs and stocks could have historically offered better risk‑adjusted results without adding new assets. The minimum variance portfolio, with lower risk but still a slightly higher Sharpe than current, shows there’s room to shift the balance while staying inside this same investment lineup.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.20%
- Schwab U.S. Dividend Equity ETF 3.10%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Weighted yield (per year) 1.77%
The blended dividend yield of the portfolio is about 1.77%, coming mainly from the dividend ETF at 3.1%, with smaller contributions from the small‑cap value ETF and a modest 0.4% yield from the large‑cap growth ETF. Dividend yield is the annual cash payout as a percentage of the current price, like interest on a savings account but not guaranteed. Here, income plays a supporting role rather than being the dominant feature. The yield is lower than that of a pure dividend portfolio but higher than a typical growth‑only mix, reflecting the combination of income‑oriented holdings with growth and single‑stock positions.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Schwab U.S. Dividend Equity ETF 0.06%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Weighted costs total (per year) 0.05%
Total annual costs are very low at around 0.05% (the total TER). The main ETFs have expense ratios between 0.04% and 0.25%, with the largest positions in the cheapest funds. TER, or total expense ratio, is the yearly fee charged by a fund as a percentage of invested assets, quietly deducted from returns. Over time, lower costs leave more of the portfolio’s gains in the investor’s hands. This cost profile is impressively lean and compares favorably with many actively managed or higher‑fee products. Combined with broad ETF exposure, it gives the overall structure a strong foundation from a fee‑efficiency standpoint.
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