Balanced multi ETF portfolio mixing growth value and dividends with modest bonds and US home bias
Report created on Aug 5, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
IT Ishares Lifepath Target Date 2055 ETF
ITDG - US46438G7604 30.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 30.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 23.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 7.00% -
SC Schwab International Equity ETF
SCHF - US8085248057 7.00% -
VT Vanguard Tax-Exempt Bond Index Fund ETF Shares
VTEB - US9229077469 3.00%
This portfolio is built almost entirely from ETFs, with six funds covering growth stocks, dividend payers, small‑cap value, international equities, a target‑date fund, and a small slice of tax‑exempt bonds. The three biggest positions together make up 83% of the portfolio weight, so most behavior is driven by those core funds. Using a target‑date fund on top of separate equity and bond ETFs adds an extra layer of diversification but also some built‑in asset‑mix decisions inside that fund. Overall, it’s a fairly straightforward structure: equity‑heavy, multi‑style, and mostly passive. The mix aims to capture broad market growth while smoothing the ride a bit with dividends, value tilts, and a small bond allocation.
Growth
Over the recent period, a hypothetical $1,000 grew to about $1,742, which translates into a 22.19% compound annual growth rate (CAGR). CAGR is the “average speed” of growth per year, smoothing out ups and downs. That’s slightly behind both the US market and a global market proxy, which were around 1–2 percentage points higher per year, but still very strong. The portfolio’s maximum drawdown — its largest peak‑to‑trough fall — was about -17%, a bit milder than the US market and close to the global market. The drawdown took roughly four months to bottom and three to recover, showing that while declines were meaningful, they weren’t prolonged. As always, this is a short, strong market window, so it shouldn’t be extrapolated too confidently into the future.
Projection
The Monte Carlo projection takes the portfolio’s historical risk and return patterns and simulates 1,000 possible 15‑year paths. Think of it as rolling the dice on many alternate futures using today’s mix as the starting point. The median outcome turns $1,000 into about $2,819, implying an annualized return around 7.8%, with a wide “likely” range from roughly $1,820 to $4,056. That range reflects how uncertain long‑term investing can be even when using the same average return. A 74% chance of ending with a positive return is encouraging, but it still leaves room for weaker scenarios. These results depend heavily on past data and assumed relationships, so they’re an educational guide, not a promise.
Asset classes
- Stocks 96%
- Bonds 4%
Asset‑class wise, the portfolio is very stock heavy: about 96% in equities and 4% in bonds. That’s more aggressive than a traditional “balanced” 60/40 stock‑bond mix and more in line with a growth‑oriented allocation that can handle meaningful ups and downs. The small slice in tax‑exempt bonds plus whatever fixed income sits inside the target‑date ETF adds a bit of cushion, but most performance will follow equity markets. High equity exposure historically offers higher return potential but also sharper drawdowns when stocks fall. This stock‑dominant structure has helped in the recent strong market backdrop, and it means future portfolio behavior will mostly be driven by earnings growth and sentiment in global equities rather than interest‑rate movements.
Sectors
- Technology 24%
- Financials 14%
- Health Care 12%
- Industrials 9%
- Consumer Discretionary 9%
- Consumer Staples 9%
- Telecommunications 8%
- Energy 7%
- Basic Materials 2%
- Real Estate 1%
- Utilities 1%
This breakdown covers the equity portion of your portfolio only.
Sector allocation is fairly broad, with technology the largest at 24%, followed by financials, health care, industrials, and consumer segments, plus smaller weights in energy, materials, real estate, and utilities. That tech weight is similar to many broad US indices, rather than being extremely concentrated. This matters because sector risk can show up when one part of the economy booms or struggles — for example, tech‑heavy portfolios often swing more when interest rates change quickly. Here, the presence of solid weights in defensive areas like health care and consumer staples, alongside cyclical sectors like industrials and energy, adds balance. Overall, the sector mix aligns reasonably well with broad market data, which is a positive sign for diversification.
Regions
- North America 80%
- Europe Developed 8%
- Japan 3%
- Asia Developed 3%
- Asia Emerging 1%
- Australasia 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, about 80% of the equity exposure is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and a small slice of emerging Asia and Australasia. That reflects a clear US home bias compared with global stock indices, where North America is significant but not typically this dominant. This home tilt can feel comfortable and has been rewarded recently, as US markets have outperformed many regions. At the same time, it means portfolio fortunes are closely tied to one economy, currency, and policy environment. The international slice does introduce some global diversification and exposure to different growth and valuation cycles, but global returns will still be heavily driven by what happens in the US market.
Market capitalization
- Large-cap 38%
- Mega-cap 28%
- Mid-cap 19%
- Small-cap 7%
- Micro-cap 4%
This breakdown covers the equity portion of your portfolio only.
By company size, the portfolio leans toward larger firms: roughly 66% in mega‑ and large‑caps, with the rest in mid‑, small‑, and micro‑caps. This is fairly typical for market‑cap‑weighted approaches, where the biggest companies dominate index weightings. Large and mega‑caps often bring more stability, deeper liquidity, and stronger balance sheets, which can cushion volatility compared with a pure small‑cap portfolio. The dedicated small‑cap value ETF and the mid‑cap exposure add diversification because smaller companies can behave differently across economic cycles. This structure means most of the return pattern will look similar to broad large‑cap indices, but with an extra layer of potential return — and risk — from the smaller company segment.
True holdings
-
AA Apple Inc. 3.54%
Part of fund(s):- Ishares Lifepath Target Date 2055 ETF
- Schwab U.S. Large-Cap Growth ETF
-
NV NVIDIA Corporation 3.41%
Part of fund(s):- Ishares Lifepath Target Date 2055 ETF
- Schwab U.S. Large-Cap Growth ETF
-
MS Microsoft Corporation 2.27%
Part of fund(s):- Ishares Lifepath Target Date 2055 ETF
- Schwab U.S. Large-Cap Growth ETF
-
AM Amazon.com Inc 1.74%
Part of fund(s):- Ishares Lifepath Target Date 2055 ETF
- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class A 1.48%
Part of fund(s):- Ishares Lifepath Target Date 2055 ETF
- Schwab U.S. Large-Cap Growth ETF
-
AB Abbott Laboratories 1.41%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
AV Broadcom Inc 1.31%
Part of fund(s):- Ishares Lifepath Target Date 2055 ETF
- Schwab U.S. Large-Cap Growth ETF
-
AM Amgen Inc 1.31%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
MR Merck & Company Inc 1.29%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
KO The Coca-Cola Company 1.29%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
- Top 10 total 19.05%
This breakdown covers the equity portion of your portfolio only.
Looking through ETF top‑10 holdings, a handful of mega‑cap names show up repeatedly: Apple, NVIDIA, Microsoft, Amazon, Alphabet, and several large health care and consumer companies. Apple and NVIDIA alone add up to around 7% combined exposure, and multiple tech and pharma names appear across different funds. This overlapping means there’s more hidden concentration in a few giants than the number of ETFs might suggest. Because only top‑10 holdings are captured, actual overlap is likely higher. Diversification is still reasonable, but it’s useful to know that a significant slice of the portfolio’s day‑to‑day moves will track these well‑known large companies, even if they’re not held directly as single stocks.
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 factor exposure, the portfolio shows a mild tilt toward value and a stronger tilt toward low volatility, while size, momentum, quality, and yield sit around neutral. Factors are like “personality traits” of investments — characteristics such as being cheap (value) or stable (low volatility) that research has linked to long‑term returns. The higher value exposure means the portfolio leans somewhat more toward companies trading at lower prices relative to fundamentals. The strong low‑volatility tilt suggests a preference for stocks that historically move less than the market. Together, these tilts can help soften drawdowns in choppy markets, though they may lag more aggressive growth‑led rallies at times. Overall, the factor mix looks intentionally defensive without fully abandoning growth drivers.
Risk contribution
-
Ishares Lifepath Target Date 2055 ETF
Weight: 30.00% 31.3% -
Schwab U.S. Large-Cap Growth ETF
Weight: 23.00% 29.4% -
Schwab U.S. Dividend Equity ETF
Weight: 30.00% 23.1% -
Avantis® U.S. Small Cap Value ETF
Weight: 7.00% 9.2% -
Schwab International Equity ETF
Weight: 7.00% 6.8% - Top 5 risk contribution 99.8%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the top three funds — the target‑date ETF, large‑cap growth ETF, and dividend ETF — account for about 84% of total risk. Notably, the large‑cap growth and small‑cap value ETFs contribute more risk than their weights would suggest, with risk/weight ratios above 1.2. That indicates these slices are more volatile and punch above their size in shaping returns. In contrast, the dividend ETF and international equity ETF contribute slightly less risk than their allocations. This pattern is common: growth and small caps add extra “kick,” while dividend and diversified holdings moderate volatility.
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 plots risk versus expected return for all possible mixes of the existing holdings. The current portfolio has a Sharpe ratio of 1.27, which compares excess return over the risk‑free rate to volatility. The optimal mix using the same ETFs could reach a Sharpe of about 1.54 with very similar risk and slightly higher return, while the minimum‑variance mix drops risk sharply but also cuts return. Importantly, the current allocation sits on or very close to the efficient frontier, which means, based on historical data, it’s already using these holdings in a risk‑return‑efficient way. Any improvement from reweighting alone appears incremental rather than transformational.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.20%
- Ishares Lifepath Target Date 2055 ETF 1.40%
- Schwab U.S. Dividend Equity ETF 3.10%
- Schwab International Equity ETF 3.00%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard Tax-Exempt Bond Index Fund ETF Shares 3.40%
- Weighted yield (per year) 1.84%
The overall dividend yield is about 1.84%, combining higher‑yielding pieces like the Schwab US Dividend ETF and international equities with low‑yield growth exposures and tax‑exempt bond income. Dividend yield is the cash paid out each year as a percentage of investment value, and it can be a meaningful part of long‑term total return when reinvested. In this portfolio, dividends play a supporting rather than dominant role, with capital growth doing most of the heavy lifting. The dedicated dividend ETF and international holdings help lift the overall yield above that of a pure growth mix, while the low‑yield growth fund reflects the focus on companies that reinvest earnings instead of paying them out.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Ishares Lifepath Target Date 2055 ETF 0.11%
- Schwab U.S. Dividend Equity ETF 0.06%
- Schwab International Equity ETF 0.06%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard Tax-Exempt Bond Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.08%
Costs are impressively low, with a total expense ratio (TER) around 0.08% across the ETFs. TER is the annual fee each fund charges, taken directly out of returns, so lower is generally better over time. Here, all the core holdings are priced in a very competitive range, especially the large‑cap growth and Schwab index funds. The slightly higher cost small‑cap value ETF still sits well within typical active or factor fund ranges. Over many years, keeping fees this low helps more of the portfolio’s gross returns stay in the account, and it supports better compounding. From a cost perspective, the structure is doing exactly what it should and aligns well with best practices.
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