Broad US centered stock portfolio with growth tilt and strong long term efficiency
Report created on Jul 21, 2024Risk profile
4/7
Diversification profile
3/5
Positions
-
SP SPDR® Portfolio S&P 1500 Composite Stock Market ETF
SPTM - US78464A8053 35.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 30.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 20.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 15.00%
The portfolio is a simple four‑ETF mix that is 100% in stocks. Roughly two thirds sit in broad US exposure and US large‑cap growth, one fifth in US dividend payers, and the rest in total international stocks. This structure leans clearly toward domestic equities while adding a modest global layer and a blend of growth and income styles. Having just a few, very broad funds keeps things easy to manage and reduces the chance of accidental complexity. The main implication is that risk and return will be driven mostly by the US stock market. Anyone using a setup like this is essentially choosing equity‑style growth as the core engine of their wealth building.
Growth
From 2016 to early 2026, $1,000 grew to about $3,603, which is strong compounding. The CAGR (Compound Annual Growth Rate, a “per‑year on average” growth speed) of 13.72% is almost identical to the US market and clearly ahead of the global market. Max drawdown of about -33% matches typical major equity sell‑offs, meaning it has behaved like a solid stock portfolio during stress. Beating the global market while tracking the US market closely suggests the structure captured the main driver of returns—US equities—without taking noticeably more downside pain. Past performance can’t promise the same future path, but this history shows the risk/return balance has been very reasonable.
Asset classes
- Stocks 100%
All assets here are stocks, with no bonds or cash buffers. That means the portfolio is designed for growth first and relies completely on the stock market’s long‑term upward tendency. The upside is clear: historically, equities have outpaced most other major asset classes over long periods. The trade‑off is that there’s no built‑in cushion from safer assets when markets fall sharply, so short‑term swings will be meaningful. For someone with many years ahead, this all‑equity stance can be very effective, but anyone with nearer‑term spending needs usually benefits from pairing a structure like this with some separate, low‑risk savings or fixed income outside this specific portfolio.
Sectors
- Technology 30%
- Financials 12%
- Health Care 11%
- Telecommunications 10%
- Consumer Discretionary 10%
- Industrials 9%
- Consumer Staples 7%
- Energy 6%
- Basic Materials 2%
- Utilities 1%
- Real Estate 1%
Sector exposure is led by technology at around 30%, with meaningful allocations to financials, health care, telecoms, consumer areas, and industrials, and only tiny slices in utilities and real estate. This mirrors the current shape of the broad US market, where tech and tech‑adjacent companies dominate index weightings. The benefit is that the portfolio lines up well with modern economic drivers, which is why its performance has tracked US benchmarks so closely. The flip side is sensitivity to periods when high‑growth or tech‑heavy names struggle, such as during rapid interest rate increases. The broadly spread non‑tech exposure still helps, but short‑term swings will often be led by how the tech complex is doing.
Regions
- North America 86%
- Europe Developed 6%
- Japan 2%
- Asia Developed 2%
- Asia Emerging 2%
- Australasia 1%
- Africa/Middle East 1%
Geographically, the portfolio is very US‑centric: roughly mid‑80s percent in North America and a modest slice in developed and emerging markets elsewhere. This home‑bias is typical for US investors and has been rewarded over the past decade, since US stocks have outpaced many international markets. The trade‑off is less diversification if the US market enters a long patch of underperformance versus the rest of the world. The existing international slice does provide some exposure to different economic and currency environments, which is positive, but global diversification here is more of a side dish than the main course. Any future tweaks would mostly revolve around how intentional that US dominance should be.
Market capitalization
- Mega-cap 41%
- Large-cap 37%
- Mid-cap 17%
- Small-cap 4%
- Micro-cap 1%
Most of the portfolio sits in mega‑ and large‑cap companies, with smaller portions in mid‑caps and a sliver in small and micro‑caps. That size mix generally means more stability and liquidity compared to a heavy small‑cap tilt, since big companies tend to have more diversified businesses and sturdier balance sheets. Including some mid and small caps is still helpful: they can add growth potential and sometimes behave differently from giants. Overall, this size profile is very close to mainstream market indices, which supports smooth tracking of broad equity performance. Expect daily moves to feel like “the market” rather than a niche or speculative bet on tiny, volatile firms.
True holdings
-
NV NVIDIA Corporation 5.88%
Part of fund(s):- SPDR® Portfolio S&P 1500 Composite Stock Market ETF
- Schwab U.S. Large-Cap Growth ETF
-
AA Apple Inc 5.11%
Part of fund(s):- SPDR® Portfolio S&P 1500 Composite Stock Market ETF
- Schwab U.S. Large-Cap Growth ETF
-
MS Microsoft Corporation 3.94%
Part of fund(s):- SPDR® Portfolio S&P 1500 Composite Stock Market ETF
- Schwab U.S. Large-Cap Growth ETF
-
AM Amazon.com Inc 2.81%
Part of fund(s):- SPDR® Portfolio S&P 1500 Composite Stock Market ETF
- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class A 2.44%
Part of fund(s):- SPDR® Portfolio S&P 1500 Composite Stock Market ETF
- Schwab U.S. Large-Cap Growth ETF
-
AV Broadcom Inc 2.08%
Part of fund(s):- SPDR® Portfolio S&P 1500 Composite Stock Market ETF
- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class C 1.93%
Part of fund(s):- SPDR® Portfolio S&P 1500 Composite Stock Market ETF
- Schwab U.S. Large-Cap Growth ETF
-
ME Meta Platforms Inc. 1.85%
Part of fund(s):- SPDR® Portfolio S&P 1500 Composite Stock Market ETF
- Schwab U.S. Large-Cap Growth ETF
-
TS Tesla Inc 1.74%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- SPDR® Portfolio S&P 1500 Composite Stock Market ETF
- Schwab U.S. Large-Cap Growth ETF
-
CV Chevron Corp 0.90%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
- Top 10 total 28.69%
Looking through the ETFs, the biggest underlying exposures are the usual US mega‑cap names: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, and Broadcom. Several of these appear in more than one ETF, so the true economic exposure to them is higher than any single fund weight suggests. This kind of overlap is common when combining broad market, growth, and dividend funds. It quietly concentrates risk in a handful of dominant companies, especially in tech‑related areas. It’s not necessarily bad—these companies have driven much of recent returns—but it does mean portfolio behavior will be heavily influenced by how this small group performs going forward.
Factors
Factor exposures—value, size, momentum, quality, yield, and low volatility—are all very close to neutral, meaning the portfolio behaves a lot like a standard market‑weighted basket. Factor investing targets traits like cheapness (value) or stability (low volatility), but here no single trait stands out as a big driver. This balance is actually a strength for someone wanting simple, broad‑based equity exposure without making complex, timing‑driven bets on specific styles. Performance will mostly be driven by overall market direction and the large companies inside it, not by being heavily tilted toward high yield, deep value, or aggressive momentum. That keeps things more predictable relative to broad benchmarks.
Risk contribution
-
SPDR® Portfolio S&P 1500 Composite Stock Market ETF
Weight: 35.00% 35.6% -
Schwab U.S. Large-Cap Growth ETF
Weight: 30.00% 34.9% -
Schwab U.S. Dividend Equity ETF
Weight: 20.00% 16.7% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 15.00% 12.8%
Risk contribution shows how much each ETF adds to total ups and downs, which can differ from its weight. The broad S&P 1500 fund and the large‑cap growth ETF together drive over 70% of portfolio risk, with growth alone punching above its weight. Dividend and international ETFs contribute less risk than their weights, acting as mild stabilizers. With the top three positions accounting for over 87% of total risk, the structure is intentionally concentrated in a core set of equity themes rather than spread across many small, unrelated bets. If a smoother ride were ever desired, adjusting the balance between the higher‑risk growth sleeve and the steadier pieces would be the main lever.
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 mix sits right on or very close to the efficient frontier, meaning it delivers near‑maximal expected return for its risk level using these holdings. The Sharpe ratio—return per unit of volatility—is 0.7, while the best achievable with reweighting alone is about 0.81 at slightly higher risk. A lower‑risk version would sacrifice return for only a small Sharpe drop. This shows the current allocation is already well‑tuned: nothing appears obviously “wasted” in terms of risk. Any future changes would be more about personal preferences—like adjusting the growth, dividend, or international slices—than fixing a structural inefficiency in how the pieces are combined.
Dividends
- Schwab U.S. Dividend Equity ETF 2.60%
- Schwab U.S. Large-Cap Growth ETF 0.30%
- SPDR® Portfolio S&P 1500 Composite Stock Market ETF 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- Weighted yield (per year) 1.48%
The overall dividend yield of about 1.48% is modest, reflecting the blend of a dedicated dividend ETF with low‑yield growth funds. The dividend ETF and the international fund pull the yield up, while the large‑cap growth allocation, at around 0.3%, pulls it down. Dividends can provide a steady income stream and a cushion during flat markets, but for a growth‑oriented equity mix, the main engine is price appreciation, not cash payouts. Reinvesting dividends automatically can quietly boost long‑term compounding. Anyone needing substantial current income would typically rely on other sources or a higher‑yielding allocation, while this type of setup fits better with reinvestment and long horizons.
Ongoing product costs
- Schwab U.S. Dividend Equity ETF 0.06%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- SPDR® Portfolio S&P 1500 Composite Stock Market ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
Total estimated costs are very low, with an overall expense ratio near 0.04%. Each ETF individually is at or near rock‑bottom pricing for its category. Low costs matter because every dollar not paid in fees stays invested and compounds for decades. Over time, even a 0.3–0.5% annual fee gap can grow into a meaningful difference in ending wealth. Here, fee drag is almost negligible, which is a genuine strength of the structure. It aligns closely with best practices for long‑term investing: broad, diversified index exposure implemented via ultra‑cheap vehicles. From a cost perspective, this portfolio is already in excellent shape and doesn’t need further optimization.
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