Growth tilted US focused equity portfolio blending dividends quality and sector concentration

Report created on Mar 27, 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

The portfolio is 100% in stock ETFs, with a clear tilt toward the US and growth, plus a notable slice of dividends and sector exposure. A broad US total market core is paired with focused large-cap growth, small-cap value, dividend strategies, international stocks, and a dedicated energy fund. Structurally, this is a high-equity, growth-leaning setup that still mixes different styles and company sizes. That matters because stocks drive long-term growth but also bring sharper ups and downs. As a general takeaway, this structure fits someone prioritizing capital growth over stability, who’s comfortable riding through volatility as long as the holdings are reasonably diversified across styles and business types.

Growth Info

Historically, $1,000 grew to about $2,379, implying a 14.31% compound annual growth rate (CAGR), which is the “average yearly speed” of growth. That’s almost identical to the US market’s 14.38% CAGR and nicely ahead of the global market’s 11.92%. The portfolio’s max drawdown of -36.96% was somewhat deeper than both benchmarks, meaning losses at the worst point were sharper. This tradeoff—market-like long-term returns with slightly more severe dips—fits a growth profile. It shows the strategy has participated strongly in upside while accepting bigger swings, which can be fine if the investor focuses on long-term compounding rather than short-term fluctuations.

Asset classes Info

  • Stocks
    100%

All assets are in stocks, with no bonds, cash, or alternatives. That pure-equity allocation maximizes long-term growth potential but also maximizes exposure to market swings. In calm or rising markets, this can feel great; in deep downturns, it can feel brutal because there’s no built-in cushion from more defensive asset classes. Many broad benchmarks mix in some bonds to smooth volatility, especially for shorter horizons. A key takeaway is that this kind of setup best fits someone with a long time frame and emotional tolerance for big drawdowns, rather than anyone needing near-term stability or predictable income.

Sectors Info

  • Technology
    24%
  • Energy
    16%
  • Financials
    13%
  • Health Care
    10%
  • Consumer Discretionary
    9%
  • Industrials
    9%
  • Telecommunications
    8%
  • Consumer Staples
    6%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    1%

Sector-wise, the portfolio leans heavily into technology at 24% and energy at 16%, with meaningful but smaller weights in financials, health care, consumer areas, and industrials. The explicit energy fund pushes energy far above typical broad-market weights, while tech exposure is driven by growth and market-cap-weighted funds. This mix can be powerful in environments favorable to innovation and commodity prices but may be choppier when rates rise or energy cycles turn down. The good news is that most major sectors are still represented, which supports diversification. The main decision point is whether the elevated energy and tech tilt matches the investor’s comfort with sector-specific volatility.

Regions Info

  • North America
    90%
  • Europe Developed
    4%
  • Japan
    2%
  • Asia Developed
    2%
  • Asia Emerging
    1%

Geographically, around 90% sits in North America, with only modest allocations to Europe, Japan, and other developed and emerging Asian markets. That’s a stronger domestic bias than global market indexes, which spread more across regions. A home tilt can be comforting and has helped recently, as US markets have led performance, but it also ties fortunes closely to one economy and policy environment. Limited non-US exposure reduces diversification benefits from different growth cycles and currencies. The general takeaway: this is a US-first approach with some international seasoning, suitable for someone who wants overseas exposure without letting it drive overall results.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    32%
  • Mid-cap
    19%
  • Small-cap
    9%
  • Micro-cap
    5%

By market cap, the portfolio is anchored in mega-cap and large-cap stocks (about two-thirds combined), but still holds decent mid-cap, small-cap, and even micro-cap exposure. This balance gives both stability from established giants and some growth and valuation upside from smaller companies. The dedicated small-cap value ETF helps ensure that smaller names are meaningfully present, rather than an afterthought. Larger companies usually move more with the broad market and can be more resilient in stress, while smaller ones tend to be more volatile but can outperform over long horizons. Overall, this is a large-cap-dominant structure with a deliberate, supportive tilt toward smaller businesses.

True holdings Info

  • NVIDIA Corporation
    4.16%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    4.05%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
  • Microsoft Corporation
    3.14%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
  • Exxon Mobil Corp
    2.65%
    Part of fund(s):
    • Energy Select Sector SPDR® Fund
    • iShares Core Dividend Growth ETF
  • Chevron Corp
    2.18%
    Part of fund(s):
    • Energy Select Sector SPDR® Fund
    • Schwab U.S. Dividend Equity ETF
  • Amazon.com Inc
    2.02%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    1.77%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    1.77%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
  • Alphabet Inc Class C
    1.40%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    1.37%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 24.52%

Looking through ETF holdings, several mega US names repeat across funds: NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Meta appear multiple times. This creates hidden concentration because the same companies show up inside different ETFs, even if each fund seems diversified. For example, Apple and NVIDIA together already account for over 8% of the look-through slice, and big energy names like Exxon and Chevron also stand out. Overlap is likely understated since only ETF top-10s are captured. The key takeaway is that even diversified ETFs can cluster around the same giants, so actual exposure to certain companies is meaningfully higher than any single fund weight suggests.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 100%
Size
Exposure to smaller companies
Low
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Low
Data availability: 100%
Quality
Preference for financially healthy companies
Low
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 exposures look fairly balanced, with value, yield, and low volatility all in the neutral zone, and size, momentum, and quality only mildly below neutral. Factors are like the underlying “ingredients” that drive returns—things like cheap vs. expensive stocks (value) or small vs. large (size). Here, there are no extreme tilts: the mild size underweight and low momentum/quality suggest a slight preference for bigger, less momentum-driven names, offset by some small-cap value and dividend strategies. This is actually a healthy sign: the portfolio doesn’t depend heavily on any single factor to work. It should behave broadly similar to the market, with only modest style differences.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 30.00%
    29.5%
  • Schwab U.S. Large-Cap Growth ETF
    Weight: 20.00%
    21.2%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 10.00%
    12.4%
  • Energy Select Sector SPDR® Fund
    Weight: 10.00%
    12.0%
  • iShares Core Dividend Growth ETF
    Weight: 10.00%
    8.7%
  • Top 5 risk contribution 83.7%

Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ from its simple weight. The total US market ETF and large-cap growth ETF together account for about half the overall risk, which fits their combined 50% weight. Small-cap value and the energy fund punch a bit above their 10% weights, each contributing around 12% of total risk, reflecting their higher volatility. That’s normal for more cyclical or smaller-company strategies. A broad rule of thumb is to keep any single position’s risk share aligned with its intended importance; here, nothing looks extreme, but the risk center of gravity clearly sits in growth and cyclical segments.

Redundant positions Info

  • Schwab U.S. Dividend Equity ETF
    iShares Core Dividend Growth ETF
    High correlation

The dividend-focused ETFs show high correlation with each other, meaning they tend to move in similar ways. Correlation measures how often assets move up or down together; when it’s high, having both doesn’t diversify as much as the number of positions suggests. In this case, two separate dividend funds give some diversification through their specific holdings and methodologies but won’t dramatically offset one another in sharp market moves. This isn’t inherently bad—both can still play distinct roles—but it does limit diversification during broad equity selloffs. The main takeaway is that the diversification benefit here is more about style nuance than truly independent behavior.

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/return chart, the current portfolio has a Sharpe ratio of 0.68, below the optimal portfolio’s 0.80. The Sharpe ratio is a simple way to compare how much return you get per unit of volatility. Being below the efficient frontier means there’s a combination of these same holdings that would historically have delivered better risk-adjusted returns. Interestingly, the “same-risk optimized” point suggests that, at a similar risk profile, the return could be higher through different weights. This doesn’t require new products—just reweighting. The key insight is that the ingredients are solid; slight shifts in proportions could sharpen the balance between risk and reward.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.40%
  • iShares Core Dividend Growth ETF 2.10%
  • iShares Core MSCI Total International Stock ETF 3.20%
  • Schwab U.S. Dividend Equity ETF 2.60%
  • Schwab U.S. Large-Cap Growth ETF 0.30%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Energy Select Sector SPDR® Fund 2.40%
  • Weighted yield (per year) 1.59%

The portfolio’s overall dividend yield of about 1.59% is modest, slightly boosted by dedicated dividend ETFs and the energy allocation, which generally pay more than growth funds. Yield represents cash income as a percentage of your investment, and here it’s clearly secondary to capital appreciation. For long-term growth investors, that can be fine—lower-yield, growthier holdings often reinvest profits into expansion instead of paying them out. The presence of dividend strategies, though, does add some income stability and can help in sideways markets. Broadly, this setup leans more toward total return than pure income, with dividends as a useful but not dominant feature.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares Core Dividend Growth ETF 0.08%
  • iShares Core MSCI Total International Stock ETF 0.07%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Energy Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.07%

Average costs are impressively low, with a total expense ratio (TER) around 0.07%. TER is the ongoing annual fee charged by funds, and saving even a fraction of a percent compounds meaningfully over decades. The mix of ultra-low-cost core index funds and reasonably priced specialty ETFs keeps the overall drag on performance minimal. This aligns very well with best practices, as fees are one of the few variables investors can control. The takeaway is clear: the cost structure strongly supports long-term compounding, leaving more of the portfolio’s returns in your pocket rather than leaking away in management charges each year.

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