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Strong quality tilted US stock portfolio with big single name risk and standout recent performance

Report created on May 4, 2026

Risk profile Info

6/7
Aggressive
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is a 100% stock mix combining three broad Schwab index funds with a collection of individual US shares. The largest position is a total US stock market index fund at about a quarter of the portfolio, backed by a meaningful small‑cap index slice and a smaller international index fund. Around half the portfolio sits in single companies, with Palantir and other large tech and financial names standing out. This structure creates a core‑and‑satellite feel: a diversified indexed core surrounded by concentrated active picks. The result is an equity-heavy setup with no bonds or cash buffer, which naturally pushes up both growth potential and the size of swings along the way.

Growth Info

Over the last few years, $1,000 in this portfolio grew to about $3,551, far ahead of both the US and global market benchmarks. The compound annual growth rate (CAGR) of 51.23% is extremely high; CAGR is like checking your average speed over a long road trip, smoothing out bumps. That strong return came with a -28.72% max drawdown, deeper than either benchmark, showing bigger temporary drops. Only 26 days delivered 90% of the gains, which highlights how a handful of very strong days drove results. This combination of outsized returns and sharper dips is typical of concentrated, aggressive equity exposure.

Projection Info

The Monte Carlo projection uses the past as a rough template to simulate many possible 15‑year futures for this same mix. Think of it as running the portfolio through 1,000 parallel worlds, each with slightly different return paths based on historical volatility and correlations. The median scenario turns $1,000 into about $2,835, with most simulations falling between roughly $1,854 and $4,081. There are also more extreme outcomes on both sides, from barely above the starting point to several times higher. These numbers are not promises; they simply illustrate the range of outcomes that could be consistent with past behavior, always with the caveat that markets can change.

Asset classes Info

  • Stocks
    100%

All of this portfolio is in equities, with no allocation to bonds, cash, or alternative assets. From a risk standpoint, that means returns are tightly tied to how global stocks, and especially US stocks, behave over time. Stocks historically have offered higher returns than bonds but also deeper and more frequent drawdowns. In diversified blends, bonds often act like shock absorbers; here, there is no such cushion. The benefit is full participation in equity upside, while the trade‑off is more pronounced portfolio swings, particularly during broad market sell‑offs or periods of rising uncertainty.

Sectors Info

  • Technology
    33%
  • Financials
    15%
  • Telecommunications
    11%
  • Health Care
    8%
  • Consumer Staples
    8%
  • Industrials
    7%
  • Real Estate
    6%
  • Consumer Discretionary
    4%
  • Energy
    4%
  • Consumer Discretionary
    3%
  • Basic Materials
    2%
  • Utilities
    1%

Sector-wise, the portfolio leans heavily toward technology at 33%, with financials in second place at 15%. Telecommunications at 11% and health care at 8% also feature meaningfully, while other sectors like consumer staples, real estate, and energy make smaller contributions. Compared with a broad global equity benchmark, this is a tech-tilted mix, which can increase sensitivity to shifts in interest rates, growth expectations, and regulation around digital businesses. Tech and communication-related names often drive market leadership in strong growth periods but can experience sharper reversals when sentiment turns or rates rise. The spread across the remaining sectors still adds some economic balance.

Regions Info

  • North America
    93%
  • Europe Developed
    3%
  • Asia Emerging
    2%
  • Japan
    1%

Geographically, the portfolio is overwhelmingly focused on North America at 93%, with only small allocations to developed Europe, emerging Asia, and Japan. This means performance is closely tied to the US economy, US corporate earnings, and the US dollar. Relative to a global market index, which typically has closer to 60% in US stocks, this is a clear home‑country tilt. When US markets outperform the rest of the world, this concentration is a tailwind; when non‑US regions lead, it becomes a drag. The modest exposure to other regions still introduces some global flavor but doesn’t fundamentally change the US‑centric profile.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    26%
  • Mid-cap
    12%
  • Small-cap
    8%
  • Micro-cap
    6%

By market capitalization, the portfolio is anchored in larger companies: 47% in mega‑caps and 26% in large‑caps, with the remainder spread across mid, small, and micro‑caps. This mirrors broad equity markets, where the biggest companies dominate index weightings, but with an added boost from a dedicated small‑cap index fund. Larger firms tend to be more stable and widely followed, while smaller ones can be more volatile and sensitive to economic shifts. Having exposure across the size spectrum helps capture different growth and risk characteristics, though the dominance of mega‑caps means the portfolio’s day‑to‑day moves will often track big, well‑known names.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 95%
Size
Exposure to smaller companies
Low
Data availability: 95%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 95%
Quality
Preference for financially healthy companies
High
Data availability: 95%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 89%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 95%

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.

Factor exposure shows a strong tilt toward quality at 73%, with other factors hovering close to neutral. In factor terms, quality usually means companies with solid profitability, stronger balance sheets, and more stable earnings. Historically, quality‑tilted portfolios have often held up better in downturns than broad markets, though they can lag in sharp, speculative rallies. Size exposure is slightly on the low side at 31%, which indicates an overall bias toward larger, more established firms despite the small‑cap fund. Neutral readings in value, momentum, yield, and low volatility suggest the portfolio overall behaves a lot like the broad market for those characteristics.

Risk contribution Info

  • Palantir Technologies Inc.
    Weight: 9.10%
    25.5%
  • SCHWAB TOTAL STOCK MARKET INDEX FUND SELECT SHARES
    Weight: 24.85%
    20.7%
  • SCHWAB SMALL-CAP INDEX FUND SELECT SHARES
    Weight: 12.29%
    12.6%
  • Alphabet Inc Class C
    Weight: 5.91%
    5.5%
  • JPMorgan Chase & Co
    Weight: 5.48%
    4.5%
  • Top 5 risk contribution 68.9%

Risk contribution highlights that Palantir, at just over 9% of the weight, is responsible for about 25.5% of the portfolio’s overall volatility. Risk contribution measures how much each holding drives the portfolio’s ups and downs, and here Palantir’s risk/weight ratio of 2.81 shows it punches well above its size. By contrast, the Schwab total market fund holds roughly a quarter of the portfolio but contributes only about 21% of the risk, acting as a stabilizing core. The top three positions together generate nearly 59% of total risk, including both index and single‑name exposure, which is a clear sign that a handful of holdings dominate portfolio 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.

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The risk‑return chart shows the current portfolio sitting below the efficient frontier, which is the curve representing the best possible trade‑off between risk and return using the existing holdings in different weights. The portfolio’s Sharpe ratio of 1.68 — a measure of return per unit of risk above a risk‑free rate — is lower than both the optimal Sharpe of 2.85 and the minimum variance portfolio’s 1.79. Being about 15 percentage points below the frontier at its risk level suggests that, with the same set of holdings, a different mix could historically have delivered either higher return for the same risk or similar return for less volatility.

Dividends Info

  • AbbVie Inc 2.40%
  • Broadcom Inc 0.60%
  • Crane Company 0.50%
  • CareTrust REIT Inc. 3.60%
  • Digital Realty Trust Inc 2.40%
  • Fidelity National Financial Inc 6.20%
  • Alphabet Inc Class C 0.20%
  • JPMorgan Chase & Co 1.90%
  • Kroger Company 2.00%
  • Altria Group 5.60%
  • Microsoft Corporation 0.90%
  • Realty Income Corporation 4.60%
  • ONEOK Inc 4.60%
  • OneMain Holdings Inc 7.40%
  • Oshkosh Corporation 1.40%
  • Qualcomm Incorporated 2.00%
  • Starbucks Corporation 2.30%
  • SCHWAB INTERNATIONAL INDEX FUND SELECT SHARES 3.30%
  • SCHWAB SMALL-CAP INDEX FUND SELECT SHARES 1.10%
  • SCHWAB TOTAL STOCK MARKET INDEX FUND SELECT SHARES 1.00%
  • Taiwan Semiconductor Manufacturing 0.70%
  • Verizon Communications Inc 5.70%
  • Weighted yield (per year) 1.76%

The portfolio’s overall dividend yield is about 1.76%, which is modest but not negligible for an aggressive equity mix. Several holdings contribute meaningfully, including high‑yield names like OneMain, Altria, Verizon, and specific REITs, alongside broad index funds with lower yields. Dividends can serve as a steady, cash‑like component of total return, especially when reinvested over time, although they are only part of the picture here. Given the growth‑oriented holdings and tech tilt, capital gains have been a much larger driver of historical performance than income. Still, the range of yields across positions adds an extra layer of return sources.

Ongoing product costs Info

  • SCHWAB INTERNATIONAL INDEX FUND SELECT SHARES 0.06%
  • SCHWAB SMALL-CAP INDEX FUND SELECT SHARES 0.04%
  • SCHWAB TOTAL STOCK MARKET INDEX FUND SELECT SHARES 0.03%
  • Weighted costs total (per year) 0.02%

The cost structure of this portfolio is impressively low. The Schwab total market fund charges 0.03%, the small‑cap index 0.04%, and the international index 0.06%, leading to a blended total expense ratio around 0.02% when weighted across all holdings. TER, or Total Expense Ratio, measures the annual fee charged by funds as a percentage of assets. Lower fees mean more of the portfolio’s gross return stays in the investor’s pocket rather than going to fund providers. Over long periods, even small differences in TER can compound into noticeable amounts, so this low‑cost foundation is a real structural strength.

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