Balanced global stock portfolio with strong dividend tilt and broadly diversified large cap exposure
Report created on Jul 10, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
IV iShares Core S&P 500 ETF
IVV - US4642872000 50.00% -
IX iShares Core MSCI Total International Stock ETF
IXUS - US46432F8344 30.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 20.00%
This portfolio is made up of three broad equity ETFs: a core US index fund at 50%, an international stock fund at 30%, and a US dividend equity fund at 20%. So everything here is in stocks, with a clear tilt toward the US but still meaningful exposure to the rest of the world. Structurally, this is a simple, three-fund setup, which makes it easy to understand and monitor. A concentrated lineup like this keeps things transparent: it’s clear which building blocks drive returns and risk. The mix combines broad market exposure with a dedicated income sleeve, so the portfolio participates in global growth while emphasizing dividend-paying companies inside the US component.
Growth
From mid-2016 to mid-2026, $1,000 in this portfolio grew to about $3,452, which translates to a compound annual growth rate (CAGR) of 13.23%. CAGR is like your average speed on a road trip, smoothing out bumps along the way. Over this period, the portfolio slightly lagged the US market benchmark but modestly outpaced the global market benchmark. The worst peak‑to‑trough drop was roughly -34% during early 2020, similar to both benchmarks, showing it behaved like a typical diversified stock portfolio in a major shock. A small number of days generated most returns, underlining how missing strong market days can heavily impact long‑term performance.
Projection
The Monte Carlo projection uses historical return and volatility patterns to simulate many possible 15‑year futures. Think of it as running 1,000 “what if” scenarios based on how similar portfolios have behaved before, not as a prediction. The median outcome grows $1,000 to around $2,781, with a wide but reasonable range between weaker and stronger paths. About three‑quarters of simulations end positive, and the average simulated annualized return is 8.17%. This shows that while outcomes vary a lot, staying fully in stocks tends to tilt the probability toward growth over long periods, though the exact path is inherently uncertain and past data can’t guarantee future results.
Asset classes
- Stocks 100%
All of this portfolio is allocated to stocks, with 0% in bonds, cash, or alternatives. That makes it a pure equity portfolio, which historically offers higher return potential but also larger swings up and down. A 100% stock mix naturally carries more volatility than blends that include bonds or other stabilizing assets. Relative to typical “balanced” mixes that combine stocks and bonds, this portfolio leans more toward growth and market sensitivity. The benefit is full participation in equity market growth; the tradeoff is living with the full impact of equity drawdowns. Understanding that everything here moves with stock markets helps set expectations around both risk and reward.
Sectors
- Technology 30%
- Financials 14%
- Industrials 10%
- Health Care 10%
- Consumer Discretionary 8%
- Telecommunications 8%
- Consumer Staples 7%
- Energy 6%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is reasonably diversified, with technology the largest at about 30%, followed by financials, industrials, and health care making up meaningful slices. Consumer‑related sectors, telecommunications, energy, and materials round things out, with smaller allocations to utilities and real estate. This pattern is broadly similar to many global equity benchmarks, where tech and financials are also dominant. A higher weight in technology often means more sensitivity to innovation cycles and interest‑rate expectations, while areas like consumer staples and utilities can offer more defensive characteristics. Overall, this sector mix is well-balanced and aligns closely with global standards, providing exposure to a wide range of economic drivers rather than a single theme.
Regions
- North America 72%
- Europe Developed 11%
- Asia Developed 6%
- Japan 5%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, the portfolio is strongly anchored in North America at about 72%, with the remainder spread across developed Europe, Japan, other developed Asia, and smaller slices in emerging regions. This is actually close to how global stock market value is distributed, where US and Canadian markets make up a large share. Compared with a strictly global‑cap‑weighted approach, the US tilt is noticeable but not extreme. The benefit of this structure is participating in the deep, mature North American market while still tapping into growth and diversification from other regions. Currency exposure is naturally global as well, since international holdings earn revenues in many different currencies.
Market capitalization
- Large-cap 40%
- Mega-cap 38%
- Mid-cap 19%
- Small-cap 2%
Most of the portfolio sits in mega‑cap and large‑cap companies, together around 78%, with a smaller allocation to mid‑caps and only a sliver in small‑caps. Large and mega‑caps tend to be established businesses with broad analyst coverage and more stable access to capital, which can translate into somewhat lower volatility than a portfolio dominated by small‑caps. On the other hand, smaller companies can sometimes provide higher growth potential but with choppier price movements. This portfolio’s bias toward bigger firms is typical of mainstream index products and supports a smoother ride than a more small‑cap‑heavy approach, while the mid‑cap slice still adds a bit of diversification across company sizes.
True holdings
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NV NVIDIA Corporation 3.98%
Part of fund(s):- iShares Core S&P 500 ETF
-
AA Apple Inc 3.36%
Part of fund(s):- iShares Core S&P 500 ETF
-
MS Microsoft Corporation 2.36%
Part of fund(s):- iShares Core S&P 500 ETF
-
AM Amazon.com Inc 1.88%
Part of fund(s):- iShares Core S&P 500 ETF
-
GO Alphabet Inc Class A 1.68%
Part of fund(s):- iShares Core S&P 500 ETF
-
AV Broadcom Inc 1.46%
Part of fund(s):- iShares Core S&P 500 ETF
-
GO Alphabet Inc Class C 1.35%
Part of fund(s):- iShares Core S&P 500 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.26%
Part of fund(s):- iShares Core MSCI Total International Stock ETF
-
TX Texas Instruments Incorporated 1.15%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
QC Qualcomm Incorporated 1.09%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
- Top 10 total 19.57%
Looking through the ETFs’ top holdings, a significant chunk of the visible exposure is concentrated in a handful of large technology and communication names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, and several major semiconductor companies. These firms appear across multiple funds, which creates overlap: owning an S&P 500 ETF and a US dividend ETF can still mean holding some of the same companies twice. Because only ETF top‑10 holdings are used here, true overlap is likely somewhat higher than shown. This hidden concentration means that when those big names move sharply, they can drive portfolio returns more than the three‑ETF structure might suggest at first glance.
Factors
Factor exposure looks mostly market‑like across value, size, momentum, and quality, all sitting near neutral levels. Factor exposure describes how much the portfolio leans into certain characteristics—like value or yield—that research links to long‑term returns. The two notable tilts here are toward yield and low volatility, both in the “high” range. A yield tilt means more emphasis on dividend‑paying stocks, consistent with the dedicated dividend ETF. The higher low‑volatility exposure suggests a bias toward stocks that historically moved less than the overall market. Together, this can lead to a pattern of returns that may be a bit steadier and more income‑oriented than a pure market‑cap index.
Risk contribution
-
iShares Core S&P 500 ETF
Weight: 50.00% 53.4% -
iShares Core MSCI Total International Stock ETF
Weight: 30.00% 28.3% -
Schwab U.S. Dividend Equity ETF
Weight: 20.00% 18.3%
Risk contribution shows how much each holding adds to the portfolio’s overall ups and downs, which can differ from simple weights. Here, the S&P 500 ETF is 50% of assets but contributes about 53% of total risk, so it pulls slightly more than its weight. The international ETF and the dividend ETF each contribute slightly less risk than their allocations, reflecting some diversification benefits and possibly milder volatility profiles. All three holdings together account for 100% of the risk, since they are the entire portfolio. This pattern indicates no single ETF is dominating risk in an extreme way, and position sizes are broadly aligned with how much risk they bring.
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 this mix is already on or very close to the efficient frontier, meaning that, given these three ETFs, the current combination provides a good balance of risk and return. The Sharpe ratio—return per unit of risk—is 0.59 for the current portfolio, lower than the max‑Sharpe version but still respectable. Sharpe ratios help compare how efficiently risk is being used. The minimum‑variance portfolio would slightly reduce risk with lower expected return, while the optimal portfolio would take on a bit more risk for higher expected return. Since the current allocation lies near the frontier, it’s making solid use of the available building blocks.
Dividends
- iShares Core S&P 500 ETF 1.10%
- iShares Core MSCI Total International Stock ETF 3.00%
- Schwab U.S. Dividend Equity ETF 3.20%
- Weighted yield (per year) 2.09%
The weighted dividend yield of the portfolio sits around 2.09%, combining a relatively low yield from the broad US index with higher yields from international stocks and, especially, the US dividend ETF. Dividend yield is the annual cash payout as a percentage of price, like interest on a savings account but not guaranteed. Here, dividends likely contribute a meaningful slice of long‑term total return, especially when reinvested. The dedicated dividend ETF is a key driver of this income tilt. For an all‑equity portfolio, this yield level is moderate but clearly above that of a pure broad US index, reflecting the intentional emphasis on companies that return more cash to shareholders.
Ongoing product costs
- iShares Core S&P 500 ETF 0.03%
- iShares Core MSCI Total International Stock ETF 0.07%
- Schwab U.S. Dividend Equity ETF 0.06%
- Weighted costs total (per year) 0.05%
The total expense ratio (TER) of the portfolio is very low at about 0.05% per year, thanks to all three ETFs being low‑cost index products. TER is the annual fee charged by a fund, taken out of its assets; think of it as a small “maintenance cost” that quietly reduces returns. Over time, even small differences in fees can compound, but starting at 0.05% is already impressively lean. Many similar broad‑market and dividend ETFs charge more, so this cost structure is a real strength. Keeping fees this low supports better long‑term performance by allowing more of the portfolio’s gross returns to stay in the investor’s pocket.
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