Highly efficient growth focused portfolio dominated by mega cap us equities and technology exposure
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
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SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 54.54% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 41.23% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 4.23%
This portfolio is extremely focused: three US equity ETFs, all large cap, with about 55% in a growth fund, 41% in a broad market fund, and a small 4% tilt to dividends. So it is 100% stock, no bonds, cash, or alternatives. That makes it straightforward and easy to understand, but also heavily tied to stock market swings. A structure like this is powerful for long-term growth but can be bumpy over shorter stretches. The main takeaway is that this is a simple, high-conviction equity setup where risk comes almost entirely from one type of asset, so comfort with volatility is important.
Growth
Historically, this mix has performed very strongly. From 2016 to early 2026, $1,000 hypothetically grew to about $4,402, a compound annual growth rate (CAGR) of 16.81%. CAGR is like your “average speed” over the whole trip, including all bumps and stops. This beat both the US market (14.32% CAGR) and global market (11.78% CAGR) while having a similar max drawdown of around -33%. That drawdown is a reminder that even winning strategies can feel painful at times. Also, 90% of gains came in just 36 days, showing that missing a handful of strong days could dramatically change results.
Projection
The forward projection uses Monte Carlo simulation, which takes the portfolio’s historical returns and volatility and then generates many random future paths. Think of it as “replaying” history thousands of slightly different ways to see a range of possible outcomes. Over 10 years, the median scenario turns $1,000 into about $7,305 (630% cumulative return), with even the pessimistic 5th percentile more than doubling. But these results lean on past patterns continuing, which is never guaranteed. The key takeaway: the distribution of outcomes is wide, with high upside but also meaningful uncertainty, so expectations should stay flexible.
Asset classes
- Stocks 100%
Asset-class-wise, this is 100% stock with no bonds, cash, or diversifiers like real assets. Compared with common blended benchmarks that often hold 20–40% bonds at moderate risk levels, this is clearly on the aggressive side. Stocks historically deliver higher long-term returns but with sharper drawdowns and longer recovery periods. For someone with a long horizon and capacity to ride out volatility, this can be acceptable. For anyone who needs steady income or may tap funds in the next few years, the lack of stabilizing assets could feel uncomfortable during market stress.
Sectors
- Technology 38%
- Telecommunications 14%
- Consumer Discretionary 11%
- Health Care 10%
- Financials 9%
- Industrials 7%
- Consumer Staples 4%
- Energy 3%
- Basic Materials 2%
- Utilities 1%
- Real Estate 1%
Sector exposure is tilted heavily toward technology at 38%, followed by communication services and consumer cyclicals. More defensive areas like utilities and real estate barely register. This tech and growth lean has been a tailwind in the past decade, especially in a low-rate, innovation-driven environment. However, tech-heavy portfolios can be more sensitive when interest rates rise or when growth expectations cool. The balanced presence of healthcare, financials, and industrials helps somewhat, but the overall profile still leans toward economically sensitive, growth-oriented areas rather than steady, defensive sectors.
Regions
- North America 100%
Geographically, the portfolio is 100% North America, effectively a pure US equity play. That’s actually quite aligned with the client region, and many US investors prefer this home-market focus for familiarity and simplicity. Compared with global benchmarks that spread more across Europe and Asia, this means less exposure to foreign currency moves and international policy shocks, but it also reduces diversification from other economies. When the US leads, this type of focus shines; if the US underperforms global markets for a stretch, there’s less of a cushion from other regions.
Market capitalization
- Mega-cap 53%
- Large-cap 30%
- Mid-cap 16%
- Small-cap 1%
By market cap, the mix is dominated by mega and big companies: 53% mega, 30% large, 16% mid, and just 1% small. Large established firms often have more stable earnings, deeper liquidity, and more analyst coverage, which can reduce some idiosyncratic risk relative to small caps. At the same time, it means limited exposure to the higher growth (and higher risk) often found in smaller companies. This tilt toward mega caps aligns well with many major indices and is one reason the portfolio’s behavior tracks big-name US markets so closely.
True holdings
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NV NVIDIA Corporation 9.15%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 7.94%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 6.13%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 4.30%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 3.80%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 3.40%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 3.27%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 3.03%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 3.02%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
LL Eli Lilly and Company 2.14%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Top 10 total 46.18%
Looking through the ETFs, the portfolio is heavily concentrated in a handful of mega-cap names. NVIDIA, Apple, and Microsoft together account for over 23% of total exposure, with Amazon, Alphabet, Meta, Broadcom, Tesla, and Eli Lilly adding more large chunks. Many of these appear in multiple ETFs, creating hidden overlap: you may think you hold three funds, but a lot of the risk is driven by the same few companies. Because only ETF top-10 data is used, the true overlap is probably even higher. This concentration has boosted returns but also ties performance strongly to a small group of giants.
Factors
Factor exposure shows notable tilts to momentum, low volatility, and yield. Factors are like underlying “personality traits” of investments that research links to long-term return patterns. Momentum exposure suggests the holdings have recently been strong performers, which can help in trending markets but hurt when trends abruptly reverse. Low-volatility exposure indicates a partial lean toward steadier names within the equity universe, which can soften some swings. The yield signal is based on limited coverage but hints at a slight income tilt from the dividend ETF. Overall, this blend may behave relatively well in steady or trending environments, but sharp regime shifts can still sting.
Risk contribution
-
Schwab U.S. Large-Cap Growth ETF
Weight: 54.54% 59.6% -
Vanguard S&P 500 ETF
Weight: 41.23% 37.5% -
Schwab U.S. Dividend Equity ETF
Weight: 4.23% 2.9%
Risk contribution highlights how much each holding drives overall volatility, which can differ from simple weight. Here, the large-cap growth ETF is 54.5% of the portfolio but contributes about 59.6% of total risk, so it punches slightly above its weight. The S&P 500 ETF is 41.2% of weight and 37.5% of risk, a bit more moderate. The dividend ETF has the smallest weight and the lowest risk contribution. This pattern is typical: growthier assets often drive more swings. If risk ever feels too concentrated, adjusting the growth versus core versus dividend mix is one lever to rebalance overall behavior.
Redundant positions
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High correlationSchwab U.S. Large-Cap Growth ETFVanguard S&P 500 ETF
The two main ETFs are highly correlated, meaning they tend to move up and down together. Correlation is a measure of how similarly assets behave; when it’s high, owning both doesn’t add much diversification. That’s why, despite holding multiple funds, the diversification score shows as low. In calm markets this may not matter much, but during big selloffs, both ETFs are likely to drop at similar times and magnitudes. Reducing overlap usually involves adding assets that respond differently to economic drivers, which can smooth out the ride even if long-term return expectations stay similar.
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 portfolio sits on the efficient frontier, meaning that for these specific holdings, the mix is already mathematically efficient. The Sharpe ratio (return per unit of risk) is solid at 0.76, though an alternative weighting could reach about 0.83 with slightly lower risk. There’s also a same-risk mix that could target a bit more expected return by leaning differently within the same funds. The key insight: without adding any new products, smarter weighting alone can modestly improve risk-adjusted outcomes. It’s reassuring that the current setup is already efficient, just not at the absolute sweet spot.
Dividends
- Schwab U.S. Dividend Equity ETF 3.40%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard S&P 500 ETF 1.20%
- Weighted yield (per year) 0.86%
The total dividend yield is modest at around 0.86%, because most of the money sits in growth and broad-market ETFs with relatively low yields. The dedicated dividend ETF, with a yield of 3.4%, adds a small income boost but remains a minor slice. For investors focused on long-term growth rather than current cash flow, this is quite normal. Dividends still play a role, as reinvested payouts can meaningfully add to total return over time. Anyone seeking meaningful income, though, would likely need a higher-income allocation or supplemental sources outside this portfolio.
Ongoing product costs
- Schwab U.S. Dividend Equity ETF 0.06%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.04%
Costs are impressively low, with a total expense ratio around 0.04%. TER (total expense ratio) is the ongoing fee charged by the funds, quietly deducted inside the ETFs each year. Keeping this low is like reducing friction in an engine: it doesn’t guarantee higher returns, but it lets more of the gross performance reach you over time. This level of cost efficiency is very well aligned with best practices and compares favorably to many active strategies. From a fee standpoint, this setup is already in a great place and doesn’t leave much room for further savings.
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