Strong US tilted stock portfolio with balanced factors and a mix of quality growth and value

Report created on May 12, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is a pure equity mix, entirely in stock ETFs, with a clear tilt toward the US. About half sits in a broad S&P 500 fund, while the rest is split across US small-cap value, US large-cap growth, tech-leaning Nasdaq exposure, and a smaller slice in developed and emerging international markets. This structure keeps things relatively simple but still gives exposure to different company sizes and styles. Having everything in stocks means growth potential is front and center, but it also means the portfolio moves closely with equity markets. Overall, the allocation is coherent and easy to understand, with one core holding and several targeted satellites around it.

Growth Info

From late 2020 to May 2026, a hypothetical $1,000 in this portfolio grew to about $2,354. That works out to a compound annual growth rate (CAGR) of 16.67%, which is like averaging that return every year, even though actual yearly results bounced around. It slightly outpaced the US market and more clearly beat a global market benchmark over this period. The maximum drawdown was about -24.9%, meaning that at one point the portfolio dropped roughly a quarter from peak to trough. It then took around fifteen months to recover. This pattern shows strong returns but also real, lived-through volatility.

Projection Info

The Monte Carlo projection takes the portfolio’s past risk and return pattern and simulates many random future paths. Think of it as running 1,000 “what if” alternate timelines for the next 15 years, based on historical behavior. The median outcome grows $1,000 to roughly $2,733, with a fairly wide band around that: many simulations land between about $1,783 and $4,186, and more extreme cases range from a loss to very strong growth. The average simulated return is 8.1% per year. These numbers are not promises; they just show how a similar risk profile has behaved under many different market scenarios.

Asset classes Info

  • Stocks
    100%

All of the portfolio sits in stocks, with no bonds, cash substitutes, or alternative assets included. That makes the asset-class picture very simple: it’s fully tied to the ups and downs of equity markets. A 100% equity allocation typically brings higher long-term growth potential than including bonds, but also deeper and more frequent swings in value. Compared with common “balanced” mixes that blend stocks and bonds, this portfolio is more equity-heavy. The benefit is straightforward exposure to company growth worldwide; the trade-off is that there’s no built-in cushion from fixed income when stock markets are under pressure.

Sectors Info

  • Technology
    30%
  • Financials
    14%
  • Consumer Discretionary
    12%
  • Industrials
    10%
  • Telecommunications
    10%
  • Health Care
    7%
  • Energy
    6%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    1%

Sector-wise, the portfolio is clearly tilted toward technology at around 30%, with meaningful allocations to financials, consumer discretionary, industrials, and communication-related businesses. Smaller slices go to health care, energy, consumer staples, materials, utilities, and real estate. This looks more growth- and innovation-oriented than a very broad, neutral sector mix, especially given the added Nasdaq and growth ETFs. Tech-heavy and growth-focused allocations often do well when growth stocks are in favor and interest rates are stable or falling, but they can also lead to sharper drops when markets rotate toward more defensive or cyclical areas.

Regions Info

  • North America
    85%
  • Europe Developed
    5%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%
  • Latin America
    1%

Geographically, the portfolio is heavily anchored in North America, at about 85%, with modest exposure across Europe, Japan, other developed Asia, and emerging regions. This US-leaning pattern has been rewarded over the past decade but also means results are strongly tied to one economy, one currency, and one policy environment. The non-US positions do introduce some global diversification and give access to different economic cycles and currencies, but their influence is limited by their smaller weights. Compared to a fully global equity benchmark, this mix is more concentrated in the US, with international markets playing a supporting role.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    26%
  • Mid-cap
    16%
  • Small-cap
    11%
  • Micro-cap
    7%

By market capitalization, there’s a strong presence in mega-cap and large-cap stocks, totaling about two-thirds of the portfolio, with the rest spread across mid, small, and even micro caps. Larger companies tend to be more established and often less volatile individually, while smaller firms can be more sensitive to economic conditions but also more responsive when business improves. The explicit allocations to small-cap value and international small caps increase exposure to these smaller segments. This blend creates a mix between stability from dominant global names and the potential extra growth and variability that comes from smaller, more niche companies.

True holdings Info

  • NVIDIA Corporation
    5.80%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
  • Apple Inc
    4.98%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    3.68%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    2.90%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    2.40%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    2.07%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    1.97%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
  • Tesla Inc
    1.67%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
  • Meta Platforms Inc.
    1.47%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
  • Berkshire Hathaway Inc
    0.79%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Top 10 total 27.73%

Looking through the ETFs’ top holdings, a significant portion of the visible exposure is concentrated in a handful of big US names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Tesla, Meta, and Berkshire Hathaway. For example, NVIDIA alone accounts for nearly 6% of the portfolio within the covered slice. Several of these companies appear in multiple ETFs, especially the core S&P 500 and the growth-oriented funds, which creates overlap. Because only top-10 holdings are shown, real overlap is likely higher. This means the portfolio’s day-to-day moves are strongly linked to the performance of a small group of mega-cap leaders.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 100%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Neutral
Data availability: 100%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure is broadly neutral across value, size, momentum, quality, yield, and low volatility. Factor investing looks at characteristics like how cheap a stock is (value), how big it is (size), or how smooth its returns are (low volatility) to explain performance. Here, most factor scores sit around the middle, close to what a broad global market would show. That suggests the mix of growth, value, large, and small holdings is balancing out, rather than leaning strongly into any one style. In practice, this can lead to behavior that tracks general equity markets, without extreme swings tied to a single factor theme.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 50.00%
    47.6%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 15.00%
    16.7%
  • Invesco NASDAQ 100 ETF
    Weight: 10.00%
    12.0%
  • Schwab U.S. Large-Cap Growth ETF
    Weight: 10.00%
    12.0%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares
    Weight: 5.00%
    4.1%
  • Top 5 risk contribution 92.3%

Risk contribution shows how much each ETF drives overall ups and downs, which can differ from its simple weight. The S&P 500 fund is half the portfolio and contributes about 48% of the risk, so its influence is almost proportional. The small-cap value and US growth/Nasdaq ETFs together add more risk than their weights alone might suggest, with the top three holdings providing over 76% of total portfolio volatility. This concentration means a few key positions largely determine the portfolio’s overall experience. The international funds, while smaller, modestly dilute risk because they are less correlated and slightly less dominant day to day.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    Invesco NASDAQ 100 ETF
    High correlation

The correlation data highlights that the Nasdaq 100 ETF and the US large-cap growth ETF move very similarly. Correlation measures how often assets move in the same direction; when two funds are “almost identical” in their movements, they don’t add much diversification compared with each on its own. This doesn’t make them bad holdings, but it does mean they tend to rise and fall together when markets favor or punish growth stocks. In contrast, the value-tilted and international funds likely provide more differentiated behavior, though that isn’t spelled out in the correlation summary here.

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 compares the current mix with the best possible combinations of these same funds. The Sharpe ratio, which measures return per unit of risk (like miles per gallon for investing), is lower for the current portfolio than for the “optimal” mix and even the minimum-variance version. The portfolio sits about 2.5 percentage points below the frontier at its risk level, meaning there are alternative weightings of these same ETFs that would have delivered higher expected returns or lower risk historically. Still, the Sharpe of 0.76 indicates a reasonable risk–return tradeoff, even if it’s not fully optimized.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.70%
  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Invesco NASDAQ 100 ETF 0.40%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.70%
  • Vanguard S&P 500 ETF 1.00%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.40%
  • Weighted yield (per year) 1.16%

The portfolio’s overall dividend yield is about 1.16%, which is on the lower side compared to some income-focused strategies. Growth-tilted funds like the Nasdaq 100 and large-cap growth ETFs have very modest yields, while the international and emerging markets funds pay more, around the mid-2% range. Dividends can offer a steady stream of cash that contributes to total return, but they are just one part of the picture. In this case, the focus is more on capital appreciation from earnings growth and revaluation, with dividends playing a smaller supporting role in the portfolio’s long-run performance.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Weighted costs total (per year) 0.10%

The portfolio’s total expense ratio (TER) averages around 0.10%, which is impressively low for a multi-fund global equity mix. TER is the annual fee charged by the funds, expressed as a percentage of assets; in practice, it’s quietly deducted within each ETF. Most building blocks here are very inexpensive index funds, with slightly higher costs in the more specialized small-cap value ETFs. Keeping costs low is powerful because fees compound over time just like returns do. This cost structure aligns well with best practices and leaves more of the portfolio’s gross performance in the investor’s pocket.

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