A focused high growth portfolio heavily tilted to large innovative US companies with low diversification
Risk 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.
What type of investor this portfolio is suitable for
Growth Investors
This kind of setup fits an investor who is comfortable with meaningful ups and downs in pursuit of strong long‑term growth. The ideal person has a multi‑decade time horizon, doesn’t need to tap this money for near‑term expenses, and can emotionally handle 30–40% drops without panicking. Goals might include wealth building, long‑range retirement funding, or growing a legacy for heirs rather than generating current income. They tend to accept that short‑term market noise is the cost of higher potential rewards and often keep a separate safety net so that life’s immediate needs are not tied to stock market performance.
Positions
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Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 100.00%
This portfolio is extremely concentrated: 100% is in a single growth-focused exchange-traded fund, with no bonds, cash, or other assets. That creates a clean, simple structure that is easy to understand and track, and it lines up with a growth-oriented benchmark style rather than a broad market mix. The flip side is that there’s no built‑in shock absorber if stock markets stumble. Someone using a setup like this could think about whether they want to pair it with a separate “stability bucket” elsewhere, such as a savings account or another account with steadier holdings, so overall household wealth is not riding entirely on one growth engine.
Growth
The historic numbers are eye‑catching: a compound annual growth rate (CAGR) of about 19% means a hypothetical $10,000 invested for 10 years might have grown to around $57,000, assuming similar returns. That clearly beats what a broad, mixed benchmark typically delivered over the same kind of period, showing how powerful a growth tilt can be in favorable markets. But the max drawdown of roughly –35% shows the cost of that upside: in rough patches, the value can drop sharply. It’s important to remember that past performance, even very strong, doesn’t guarantee future results, especially when it comes from a style that has been in favor recently.
Projection
The Monte Carlo projection uses past returns and volatility to simulate many possible futures; think of it as rolling the dice 1,000 times based on historical patterns. The median outcome (about 1,009% growth) implies a roughly 11‑fold increase, and even the 5th percentile more than triples, while the average simulated annual return is over 20%. Those figures are very optimistic and reflect how strong this style has been historically. However, simulations assume that the future will statistically look like the past, which may not hold. Using these numbers as rough planning ranges rather than promises can help set expectations without over‑relying on rosy scenarios.
Asset classes
- Stocks 100%
- Cash 0%
Asset‑class exposure is simple: 100% in stocks, 0% in bonds, cash, or alternatives. Relative to a more typical blended benchmark that might hold a mix of stocks and bonds, this is much more aggressive. The upside is full participation in equity growth, which has historically outpaced safer assets over long horizons. The downside is no cushion during market stress, when bonds or cash often help soften the blow. This all‑stock profile aligns well with a growth risk classification but could be balanced by keeping an emergency fund or separate conservative savings so that short‑term needs are not affected by stock market swings.
Sectors
- Technology 47%
- Telecommunications 15%
- Consumer Discretionary 13%
- Health Care 9%
- Financials 7%
- Industrials 5%
- Consumer Staples 2%
- Basic Materials 1%
- Energy 1%
- Utilities 0%
- Real Estate 0%
Sector allocation is clearly growth‑tilted: heavy technology exposure (almost half), plus sizable stakes in communication services and consumer cyclicals, with smaller slices in healthcare and financials. This mirrors a modern growth benchmark and helps explain the strong historic returns, especially during periods when innovative and digital‑focused companies outperformed. The flip side is higher sensitivity to things like interest-rate changes or shifts in investor sentiment toward high‑growth businesses. This sector mix is reasonably aligned with many growth indices, which is a positive sign, but anyone using this setup might periodically check that they’re comfortable with tech‑style volatility and not relying on it for short‑term spending.
Regions
- North America 100%
- Asia Developed 0%
- Europe Developed 0%
Geographically, the exposure is 100% North America, specifically the US, with no allocation to Europe, Asia, or other regions. That home‑bias can feel intuitive and has actually helped over the last decade, because US large‑cap growth companies have been standout performers. This allocation is well-balanced relative to a pure US growth benchmark, but it is narrower than a typical global equity mix that spreads risk across regions. If global diversification is a goal, one possible approach is to complement this core with a separate, more international holding elsewhere, so that overall finances are not tied solely to the fortunes of one country’s market and currency.
Market capitalization
- Mega-cap 62%
- Large-cap 24%
- Mid-cap 12%
- Small-cap 1%
The portfolio is dominated by mega‑ and large‑cap companies (around 86% combined), with only a sliver in mid and almost no small caps. Large and mega caps tend to be more established, widely followed businesses, which can lower some company‑specific risk compared to tiny firms. At the same time, this style can miss out on periods when smaller companies lead the market. The structure lines up nicely with standard large‑cap growth benchmarks, which is a plus for consistency and tracking. Someone wanting broader size exposure might address that in a separate account rather than changing this very focused growth sleeve.
Dividends
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Weighted yield (per year) 0.40%
The dividend yield is very low, around 0.4%, which is completely normal for a growth‑oriented approach focused on companies that reinvest profits rather than pay them out. That makes this kind of portfolio more suitable for people prioritizing long‑term appreciation over current income. For someone needing regular cash flows, this setup would generally be paired with other, more income‑focused accounts. The positive side is that reinvested earnings can fuel higher growth over time, especially if held in a tax‑advantaged account. It’s helpful to be clear that the main return driver here is price appreciation, not dividends, so expectations for income should be modest.
Ongoing product costs
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Weighted costs total (per year) 0.04%
The cost structure is excellent: a total expense ratio (TER) of about 0.04% is extremely low by industry standards. Over long periods, fees compound just like returns, so keeping them tiny leaves more growth in the investor’s pocket. This is a real strength of the portfolio design and aligns closely with best practices for low‑cost investing. There’s little room or need to squeeze costs further here, so the focus can stay on allocation and risk management rather than fee reduction. Maintaining this low‑fee approach over time, and avoiding frequent trading, can quietly add a meaningful edge to long‑term outcomes.
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