Balanced stock heavy portfolio with strong dividend tilt and efficient risk return profile
Report created on Mar 24, 2026Risk 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
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 40.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
QQ Invesco QQQ Trust
QQQ - US46090E1038 15.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 15.00% -
VI Vanguard Dividend Appreciation Index Fund ETF Shares
VIG - US9219088443 10.00%
This portfolio is almost entirely in stocks, with 99% in equity ETFs and about 1% in cash. The core is broad US exposure, complemented by international stocks, a growth-heavy component, and two dividend-focused funds. This structure blends growth, income, and diversification in a pretty clean way. Having everything in listed funds keeps it transparent and easy to manage. A stock-only mix like this can grow well over long periods, but it will move up and down a lot in the short term. Someone using a setup like this usually wants long-term growth and is comfortable riding through market swings without a big bond cushion.
Growth
From 2016 to early 2026, a hypothetical $1,000 here grew to about $3,613, with a compound annual growth rate (CAGR) of 14.42%. CAGR is like the average yearly “speed” of growth over the whole journey. That slightly beats the US market benchmark’s 14.27% and clearly outpaces the global market’s 11.72%, which is very solid. Max drawdown, the worst peak‑to‑trough drop, was about ‑32.7%, similar to broad markets, so downside has been normal for an all‑equity mix. Only 34 days produced 90% of total returns, showing how missing a few strong days could matter. As always, this past performance doesn’t guarantee similar results going forward.
Projection
The Monte Carlo projection uses the portfolio’s historical return and volatility to simulate 1,000 possible 10‑year futures. Think of it as rolling the dice many times using past patterns to see a range of outcomes, not a single forecast. After 10 years, the 5th percentile scenario roughly doubles the money, while the median scenario quintuples it, and higher percentiles grow even more. Impressively, 995 out of 1,000 simulations end positive. The average simulated annual return is about 15.4%, but that relies on the past being a decent guide. Real markets can change, so these numbers are best seen as a rough map of risk and potential, not a promise.
Asset classes
- Stocks 99%
- Cash 1%
Asset class allocation is extremely equity-heavy: 99% stocks and 1% cash. That lines up with a growth-oriented approach and explains the strong historical returns. Compared with more traditional “balanced” mixes that include bonds, this is clearly on the aggressive side, even though the risk classification is “balanced.” The benefit is higher expected long-term growth; the trade‑off is deeper drawdowns and more emotional pressure during bear markets. The positive here is that within stocks you’ve got a mix of broad market, international, growth, and dividend strategies, which is a strong equity-only structure. Someone comfortable with this kind of allocation usually has a long time horizon and stable income outside the portfolio.
Sectors
- Technology 27%
- Financials 13%
- Industrials 11%
- Health Care 10%
- Consumer Discretionary 10%
- Consumer Staples 8%
- Telecommunications 8%
- Energy 6%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is nicely spread, with technology the largest slice at 27%, followed by financial services, industrials, healthcare, and consumer sectors. This mirrors many broad equity benchmarks, which is a strong indicator of good diversification across different parts of the economy. The tech tilt will help when innovation and growth stocks lead markets, but can be more volatile during interest-rate spikes or when investors rotate into more defensive areas. Having decent allocations to defensive sectors like consumer staples, utilities, and healthcare helps balance that out somewhat. Overall, the sector mix is well-balanced and aligns closely with common global standards while still capturing growth trends.
Regions
- North America 81%
- Europe Developed 8%
- Japan 3%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 81% sits in North America, with the rest spread across Europe, Japan, developed Asia, emerging Asia, and smaller allocations to Australasia, Africa/Middle East, and Latin America. This is noticeably more US‑centric than a typical global index, which often has closer to 60% in North America. That home‑bias has helped in the last decade because US stocks have outperformed many other regions. The flip side is greater vulnerability if US markets lag or face a prolonged downturn. The international slice still adds useful diversification by tapping other economies and currencies, but global exposure here is a supporting role rather than a co‑star.
Market capitalization
- Mega-cap 37%
- Large-cap 37%
- Mid-cap 19%
- Small-cap 4%
- Micro-cap 1%
Market cap exposure leans heavily toward larger companies: 37% mega cap, 37% big, 19% medium, and only small allocations to small and micro caps. This is very much in line with broad index behavior and helps keep volatility somewhat contained, since large companies tend to be more stable than tiny ones. It also explains why the top underlying exposures are huge household‑name firms. The smaller slice in mid, small, and micro caps adds some growth potential and diversification, but it’s not dominant. This large‑cap tilt is neither inherently good nor bad; it just means returns will track big, established companies more than up‑and‑coming niche players.
True holdings
-
AA Apple Inc 3.85%
Part of fund(s):- Invesco QQQ Trust
- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
NV NVIDIA Corporation 3.79%
Part of fund(s):- Invesco QQQ Trust
- Schwab U.S. Broad Market ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.99%
Part of fund(s):- Invesco QQQ Trust
- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.96%
Part of fund(s):- Invesco QQQ Trust
- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.89%
Part of fund(s):- Invesco QQQ Trust
- Schwab U.S. Broad Market ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.62%
Part of fund(s):- Invesco QQQ Trust
- Schwab U.S. Broad Market ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.40%
Part of fund(s):- Invesco QQQ Trust
- Schwab U.S. Broad Market ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.35%
Part of fund(s):- Invesco QQQ Trust
- Schwab U.S. Broad Market ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.27%
Part of fund(s):- Invesco QQQ Trust
- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Broad Market ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
CS Cisco Systems Inc 1.12%
Part of fund(s):- Invesco QQQ Trust
- Schwab U.S. Broad Market ETF
- Schwab U.S. Dividend Equity ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 21.24%
Looking through the ETFs, there’s meaningful concentration in a handful of mega-cap US names: Apple, NVIDIA, Microsoft, Broadcom, Amazon, Alphabet, Meta, Tesla, and Cisco all sit near or above 1% portfolio exposure. None are held directly; they show up through multiple ETFs, which is hidden overlap. This is completely normal with broad market and large-cap growth funds, but it means the portfolio’s fortunes are partly tied to these giants. Overlap may even be slightly understated because only top‑10 ETF holdings are included. The takeaway: the portfolio is diversified across many stocks, but the biggest US growth names still have an outsized influence on returns and volatility.
Factors
Factor exposure shows strong tilts to size, yield, and low volatility, with moderate exposure to value and momentum. Factors are like underlying traits — value, quality, yield, etc. — that research links to long‑term returns. The size factor tilt here generally means a preference for larger, established firms, which often trade a bit more steadily. High yield exposure aligns with the presence of dividend-focused ETFs, adding income and sometimes a defensive character. The low volatility tilt suggests a bias toward stocks that historically swing less than the market. This combination often behaves more calmly in rough markets but may lag in explosive, speculative rallies. Signal coverage isn’t perfect, so these readings are directional, not exact.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 40.00% 42.2% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 17.9% -
Invesco QQQ Trust
Weight: 15.00% 17.9% -
Schwab U.S. Dividend Equity ETF
Weight: 15.00% 13.1% -
Vanguard Dividend Appreciation Index Fund ETF Shares
Weight: 10.00% 8.9%
Risk contribution looks at how much each holding drives the overall ups and downs, which can differ from its weight. Vanguard Total Stock Market (40% weight) contributes about 42% of the risk, very close to proportional. QQQ, at 15% weight, contributes almost 18% of the risk, so it’s a bit more “punchy” than its size suggests, which makes sense for a growth-heavy ETF. International stocks and the two dividend funds contribute slightly less risk than their weights. The top three holdings account for about 78% of total portfolio risk, so most volatility comes from those core building blocks. Tweaking their weights would meaningfully change how bumpy the ride feels.
Redundant positions
-
High correlationVanguard Dividend Appreciation Index Fund ETF SharesVanguard Total Stock Market Index Fund ETF Shares
Correlation measures how often investments move together. Highly correlated assets tend to go up and down at the same time, which limits diversification in bad markets. Here, there’s a strong link between Vanguard Dividend Appreciation and Vanguard Total Stock Market, which isn’t surprising since both focus on broad, quality US companies. The overall note that the portfolio holds highly correlated assets reflects the overlap in US large-cap exposure. This doesn’t make the portfolio “bad”; it just means that when US stocks drop, most of the holdings will likely fall together. True diversification would require more things that behave differently, especially during stress periods.
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 sits on the efficient frontier, meaning that for its mix of holdings, the weights are already arranged in a mathematically efficient way. The Sharpe ratio of 0.71 is solid, but the optimal portfolio along the same curve reaches 0.88 with somewhat higher risk and expected return. There’s also a minimum-variance portfolio with lower risk but also lower expected returns. A “same‑risk optimized” version could push expected return higher at a similar volatility level, mostly by reweighting among the existing ETFs. This is good news: the structure is efficient, and any future tweaks are about fine‑tuning trade‑offs, not fixing big problems.
Dividends
- Invesco QQQ Trust 0.50%
- Schwab U.S. Dividend Equity ETF 3.40%
- Vanguard Dividend Appreciation Index Fund ETF Shares 1.70%
- Vanguard Total Stock Market Index Fund ETF Shares 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- Weighted yield (per year) 1.84%
The overall dividend yield is about 1.84%, coming from a blend of high‑yield and lower‑yield funds. SCHD and VXUS offer higher yields, while QQQ is more growth‑oriented with a modest payout. Dividends can be useful for investors who like steady cash flow or who reinvest income to buy more shares over time, compounding growth. Here, dividends are a meaningful but not dominant part of total return; capital appreciation has been the bigger driver. The nice part is that you’re getting a reasonable income stream without sacrificing exposure to growthier segments of the market, which keeps the portfolio balanced between current income and future potential.
Ongoing product costs
- Invesco QQQ Trust 0.20%
- Schwab U.S. Dividend Equity ETF 0.06%
- Vanguard Dividend Appreciation Index Fund ETF Shares 0.06%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.07%
Total ongoing costs sit around 0.07%, which is impressively low for a multi‑ETF setup. Expense ratios are like a small yearly fee taken by each fund; keeping them low means more of the market’s returns stay in your pocket. Over decades, even tiny cost differences can add up to significant dollars due to compounding. This cost profile aligns really well with best practices for long-term investing and is a genuine strength of the portfolio. There isn’t much “fat” to trim here — the combination of broad, low-fee index funds and one slightly higher-cost growth ETF is a very efficient way to get diversified exposure.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey