Growth focused global equity blend with strong US exposure and efficient risk adjusted performance
Report created on Aug 13, 2026Risk profile
5/7
Diversification profile
3/5
Positions
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SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 50.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 20.00%
This portfolio is a simple three-ETF, 100% stock mix tilted toward growth and smaller value companies. Half the allocation sits in a US large-cap growth ETF, 30% in a broad international stock ETF, and 20% in a US small-cap value ETF. Structurally, that means most of the risk and return come from stocks, with no bonds or cash buffers built into the mix. Having just three funds keeps the structure easy to understand and monitor. The combination of domestic growth, international diversification, and small-cap value creates a focused yet moderately diversified equity strategy anchored in straightforward building blocks.
Growth
From late 2019 to August 2026, a hypothetical $1,000 invested in this portfolio grew to about $2,927. That translates to a compound annual growth rate (CAGR) of 16.97%, which is slightly ahead of the US market benchmark at 16.63% and comfortably above the global market at 14.12%. CAGR is like your average speed on a road trip, smoothing out bumps along the way. The portfolio’s max drawdown was -35.18%, similar to benchmark declines during early 2020, with recovery happening within a few months. This history shows strong returns but also clear equity-level swings, reminding that past performance does not guarantee similar future results.
Projection
The Monte Carlo simulation projects many possible 15-year paths based on historical behavior, rather than a single forecast. It runs 1,000 simulated futures and shows a median outcome of about $2,708 from $1,000, with a central “likely” range from roughly $1,806 to $4,205. In simple terms, Monte Carlo looks at past ups and downs, shuffles them in many different ways, and estimates what could happen over time. The 73.6% chance of finishing positive and average simulated annual return of 8.12% illustrate a wide spread of potential results. These are statistical scenarios, not promises, and actual markets can be better or worse.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with 0% in bonds, real estate funds, or cash-like assets. An all-stock allocation often brings higher long-term growth potential but also sharper short-term swings, because there is nothing in the mix specifically aiming to cushion equity volatility. Compared with many broad benchmarks that include some bonds or defensive assets at the total portfolio level, this structure leans firmly toward growth. The clear benefit is simplicity and full participation in equity markets; the trade-off is that any market-wide downturn flows directly through to the portfolio without an internal stabilizing asset class.
Sectors
- Technology 31%
- Financials 16%
- Consumer Discretionary 12%
- Industrials 11%
- Telecommunications 9%
- Health Care 8%
- Energy 5%
- Basic Materials 4%
- Consumer Staples 3%
- Utilities 1%
- Real Estate 1%
Sector exposure is reasonably spread out, but technology stands out at about 31% of the equity allocation. Financials, consumer discretionary, and industrials each hold meaningful slices, with smaller allocations to areas like energy, health care, and utilities. This pattern is broadly comparable to many global stock benchmarks, though the tech share is on the higher side, reflecting the large-cap growth component. Sector balance matters because different parts of the economy respond differently to interest rates, inflation, and business cycles. A higher tech share can boost returns in innovation-driven periods but may also amplify volatility during times when growth stocks fall out of favor or when rates move sharply.
Regions
- North America 72%
- Europe Developed 11%
- Asia Developed 6%
- Japan 5%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, roughly 72% of the portfolio’s equity exposure is in North America, with the rest spread across Europe, Japan, developed Asia, and emerging markets. This means the portfolio is clearly US-tilted compared with a purely global market index, where North America usually sits closer to 60%. Geographic exposure matters because economic growth, politics, and currencies differ by region. The strong North American tilt has historically been beneficial in recent years as US markets outperformed many others, but it also ties a large portion of outcomes to one economy and currency, with smaller but still meaningful diversification abroad.
Market capitalization
- Mega-cap 43%
- Large-cap 23%
- Mid-cap 12%
- Small-cap 11%
- Micro-cap 10%
By market capitalization, the portfolio spans the full spectrum: about 43% in mega-caps, 23% in large-caps, 12% in mid-caps, 11% in small-caps, and 10% in micro-caps. This is more size-diversified than many standard benchmarks, which often lean more heavily toward mega and large companies. Market cap mix matters because big and small companies can behave differently at various points in the cycle: larger firms often bring more stability and established earnings, while smaller ones can move more sharply in both directions. This spread suggests the portfolio captures both the steadiness of giants and the higher variability of smaller businesses.
True holdings
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NV NVIDIA Corporation 5.39%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AA Apple Inc. 4.57%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
MS Microsoft Corporation 3.69%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AM Amazon.com Inc 2.67%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class A 2.06%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AV Broadcom Inc 2.01%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class C 1.66%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
LL Eli Lilly and Company 1.49%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
ME Meta Platforms Inc. 1.29%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.27%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 26.11%
Looking through the ETFs, the largest underlying company exposures in the top-10 lists include NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Eli Lilly, Meta, and Taiwan Semiconductor. Together, these single names represent meaningful slices, with NVIDIA alone at about 5.39% and Apple at 4.57% of the overall portfolio. Because some of these companies appear in multiple ETFs, there is overlap that concentrates exposure in prominent global leaders, especially in technology and communication-related businesses. It is worth noting that actual overlap is likely higher than shown, since only top-10 ETF holdings were analyzed, so hidden concentration may be somewhat understated.
Factors
Factor exposure is broadly neutral across the classic six dimensions: value, size, momentum, quality, yield, and low volatility all sit around the 50% level. In factor terms, “neutral” means the portfolio behaves similarly to the broad market on these characteristics, rather than leaning strongly into any one style. Factors are like underlying traits—such as cheapness (value), smaller company size, or recent strong performance (momentum)—that research suggests help explain returns over time. A well-balanced factor profile typically avoids strong style bets, which can reduce the risk of being heavily out of sync with markets when one specific style goes through a difficult stretch.
Risk contribution
-
Schwab U.S. Large-Cap Growth ETF
Weight: 50.00% 53.9% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 24.2% -
Avantis® U.S. Small Cap Value ETF
Weight: 20.00% 22.0%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weight. The US large-cap growth ETF is 50% of the portfolio but contributes about 53.9% of total risk, slightly more than its weight. The international ETF is 30% of the allocation yet only 24.15% of risk, while the small-cap value ETF at 20% weight contributes about 21.95% of risk. That means the two US-focused funds together dominate the volatility picture, with international stocks softening things somewhat. This pattern is typical when domestic holdings are more volatile or more correlated with each other than with foreign markets.
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 suggests the current mix sits on or very near the frontier, meaning it offers an efficient balance of risk and return using these specific ETFs. The portfolio’s Sharpe ratio—a measure of return per unit of risk—comes in at 0.66, compared with 0.85 for the mathematically “optimal” mix of the same holdings and 0.60 for the minimum-variance version. The current allocation chooses slightly lower risk and return than the max-Sharpe setup, but remains efficiently positioned for its chosen risk level. This indicates that, given these three funds, the weights are already making good use of the available diversification.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.20%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard Total International Stock Index Fund ETF Shares 2.50%
- Weighted yield (per year) 1.19%
The portfolio’s overall dividend yield is about 1.19%, with the highest-paying component being the international ETF at 2.50%. The US large-cap growth ETF yields only about 0.40%, reflecting its focus on companies that often reinvest profits rather than pay them out. The small-cap value ETF sits in between at 1.20%. Dividend yield is the annual income from distributions as a percentage of investment value, like a “cashback” rate. Here, income plays a modest role in total return, with most gains historically coming from price appreciation. This aligns with a growth-oriented portfolio where reinvested earnings and capital gains are the primary drivers.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.08%
Total ongoing costs are low, with a blended total expense ratio (TER) of about 0.08% per year. TER is the annual fee charged by funds, expressed as a percentage of assets, and it quietly reduces returns in the background. In this case, the largest holding has a very low TER of 0.04%, the international fund sits at 0.05%, and the more specialized small-cap value ETF is 0.25%. Overall, these costs are impressively low for a global, style-diversified equity mix. Keeping expenses down supports better long-term compounding, because less return is lost to fees each year.
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