Equity focused balanced portfolio with strong us exposure and efficient risk adjusted performance
Report created on Apr 17, 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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QQ Invesco QQQ Trust
QQQ - US46090E1038 22.50% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 22.50% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 20.00% -
VI Vanguard Dividend Appreciation Index Fund ETF Shares
VIG - US9219088443 15.00% -
VA VANGUARD LIFESTRATEGY GROWTH FUND INVESTOR SHARES
VASGX - US9219095034 10.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10.00%
The portfolio is made up entirely of diversified funds, with roughly 98% in stocks and a small 2% in bonds via the growth fund. The biggest slices are a tech-tilted growth ETF and a broad US market ETF, together at 45%. Another 35% is in US dividend and dividend-growth strategies, with the remaining 20% split between a growth-oriented mixed fund and global stocks. Structurally, this is a straightforward, equity-heavy, buy-and-hold mix. That simplicity is actually a strength: it’s easy to understand, easy to maintain, and avoids single-stock risk. The main takeaway is that this behaves much more like an equity portfolio than a classic “balanced” one, so short-term swings will feel like stock market swings.
Growth
From 2016 to 2026, $1,000 growing to about $3,809 works out to a 14.38% compound annual growth rate (CAGR). CAGR is like your portfolio’s average speed over a long road trip, smoothing out ups and downs. This matched the US market and clearly beat the global market, which returned 11.81%. The worst peak-to-trough drop was about -31%, slightly shallower than broad indices in 2020 and recovered in four months, which is relatively quick. That’s solid evidence this mix has historically delivered strong returns with mainstream equity-level risk. Just remember: those numbers are backward-looking; markets change and there’s no guarantee the next decade looks like the last.
Projection
The Monte Carlo simulation projects many possible 15‑year paths by reshuffling historical returns and volatility. Think of it as running 1,000 alternate future timelines based on how similar portfolios have behaved before. The median outcome turns $1,000 into about $2,739, with most scenarios landing between roughly $1,800 and $4,200. There’s about a 74% chance of ending positive, and the average simulated annual return is around 8%. These numbers are helpful for planning, but they’re not promises: they rely on past patterns continuing in some form. Big structural shifts, regime changes, or unusual events can push real-life results outside even the 5–95% range shown.
Asset classes
- Stocks 98%
- Bonds 2%
With 98% in stocks and only 2% in bonds, this is essentially an equity portfolio with a small stabilizer attached. Asset classes — like stocks, bonds, and cash — behave differently in various market conditions. Stocks typically drive growth but can drop sharply; bonds usually move less and can cushion declines. Compared with typical “balanced” mixes that might hold 40–60% in bonds, this is far more growth‑oriented. That’s great for long horizons but can feel uncomfortable in deep bear markets. A key takeaway: this setup is well suited to someone who doesn’t need to tap the money soon and can ride through multi‑year drawdowns without having to sell.
Sectors
- Technology 30%
- Financials 12%
- Health Care 11%
- Consumer Staples 10%
- Industrials 9%
- Telecommunications 9%
- Consumer Discretionary 8%
- Energy 5%
- Basic Materials 2%
- Utilities 2%
- Real Estate 1%
- Consumer Discretionary 1%
This breakdown covers the equity portion of your portfolio only.
Sector-wise, about 30% of exposure leans into technology, with solid representation in financials, health care, consumer staples, and industrials. This tech weight is higher than many broad global benchmarks but not extreme by US‑market standards, especially given the inclusion of QQQ. Tech and communication names can boost growth when innovation and low rates are in favor, but they also tend to be more sensitive when interest rates rise or sentiment turns. The rest of the sector mix is reasonably balanced, which helps smooth things out. Overall, this allocation is well-balanced and aligns closely with common US equity profiles, but investors should expect extra sensitivity to tech cycles.
Regions
- North America 86%
- Europe Developed 6%
- Japan 2%
- Asia Developed 2%
- Asia Emerging 2%
- Australasia 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, about 86% of the exposure sits in North America, with modest slices in developed Europe, Japan, and other regions, plus a small emerging Asia piece. The global stock market is heavily US‑tilted, but this is still a clear home‑country bias. That’s been a tailwind over the last decade because US stocks outperformed much of the world. The flip side is that economic, political, or currency issues in the US would hit most of the portfolio at once. Adding more non‑US exposure is one common way investors reduce that single‑country risk, but even as it stands, there’s at least some global diversification working in the background.
Market capitalization
- Large-cap 43%
- Mega-cap 35%
- Mid-cap 16%
- Small-cap 2%
This breakdown covers the equity portion of your portfolio only.
The portfolio leans strongly into large and mega‑cap companies, with smaller allocations to mid‑caps and only a tiny slice in small‑caps. Market capitalization just describes company size by total stock value; bigger companies tend to be more established and less volatile than tiny ones. This size mix is very similar to most broad index funds and is a big reason the factor exposures look “neutral.” A positive here is stability: mega‑caps often have more diversified businesses and deeper liquidity. The tradeoff is less exposure to the more explosive growth — and higher risk — sometimes found in small‑cap names, which can behave differently across market cycles.
True holdings
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AA Apple Inc 3.74%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
NV NVIDIA Corporation 3.69%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 2.91%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.98%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 1.93%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.48%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.31%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.29%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.18%
Part of fund(s):- Invesco QQQ Trust
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
WM Walmart Inc. 1.12%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Top 10 total 20.62%
Looking through the funds, the largest underlying exposures are to mega-cap US names like Apple, NVIDIA, Microsoft, and Amazon. Several appear across multiple ETFs, creating hidden concentration even though everything is in funds. For example, Apple and Microsoft show up in both the broad US ETFs and the dividend-growth fund, stacking exposure. Only about a third of total holdings are visible in this top-10 look-through, so actual overlap is likely higher. This isn’t necessarily bad — these companies have driven a big chunk of US market returns — but it does mean performance is more tied to a relatively small group of leaders than the fund list alone suggests.
Factors
Factor exposure is very close to market‑average across value, size, momentum, quality, yield, and low volatility. Factors are like the underlying “ingredients” — cheap vs expensive, small vs large, stable vs volatile — that research has tied to long‑term returns. With everything falling in the neutral band, this portfolio isn’t making strong bets on any one style. That’s actually quite comforting: behavior should broadly resemble a mainstream equity index, without the extra whiplash that comes from heavy tilts toward things like deep value or high momentum. For someone who just wants the market’s general ride, this balanced factor profile is a strong, low‑maintenance foundation.
Risk contribution
-
Invesco QQQ Trust
Weight: 22.50% 27.7% -
Vanguard S&P 500 ETF
Weight: 22.50% 23.9% -
Schwab U.S. Dividend Equity ETF
Weight: 20.00% 17.9% -
Vanguard Dividend Appreciation Index Fund ETF Shares
Weight: 15.00% 13.8% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 10.00% 9.0% - Top 5 risk contribution 92.3%
Risk contribution shows how much each holding drives overall ups and downs, which can differ from its weight. Here, the tech‑heavy growth ETF is 22.5% of the portfolio but about 27.7% of the risk, meaning it punches above its weight. The S&P 500 ETF’s risk roughly matches its size, while dividend and international funds contribute slightly less volatility than their weights. The top three positions together generate around 70% of total risk, so what they do largely sets the tone. If the aim is smoother behavior, investors often tweak position sizes so that no single holding dominates risk as much as performance charts might suggest.
Redundant positions
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High correlationVanguard S&P 500 ETFVanguard Dividend Appreciation Index Fund ETF SharesVANGUARD LIFESTRATEGY GROWTH FUND INVESTOR SHARES
Several of the funds move very closely together: the growth‑oriented LifeStrategy fund and the S&P 500 ETF are highly correlated, as is the dividend appreciation ETF with the S&P 500. Correlation measures how similarly two investments move; high correlation means they tend to go up and down at the same time. That limits diversification because even if you own multiple funds, they may all react similarly in a downturn. In practical terms, this portfolio owns several flavors of US large‑cap stocks that mostly dance to the same tune. The international slice and dividends help a bit, but in a big US selloff, most of the lineup will still move together.
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. The efficient frontier is the curve showing the best return you could have gotten for each risk level using only these holdings in different weightings. The portfolio’s Sharpe ratio — a measure of return per unit of risk — is 0.63, while the max‑Sharpe mix is higher but also takes more risk. The minimum‑variance blend lowers volatility but also cuts returns. Since you’re already near the frontier, the allocation is efficient: reweighting might tweak the balance slightly, but there’s no obvious “free lunch” to grab just by rearranging what you already own.
Dividends
- Invesco QQQ Trust 0.40%
- Schwab U.S. Dividend Equity ETF 3.40%
- VANGUARD LIFESTRATEGY GROWTH FUND INVESTOR SHARES 3.90%
- Vanguard Dividend Appreciation Index Fund ETF Shares 1.50%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.91%
The overall dividend yield is about 1.91%, coming from a mix of low‑yield growth exposure and higher‑yield dividend funds. Yield is just the annual cash payout as a percentage of your investment, and it can be helpful for investors who like seeing regular income without selling shares. Here, roughly a third of the portfolio sits in explicitly dividend‑focused strategies, which helps lift the overall yield above pure growth funds but still keeps it moderate. That’s a nice middle ground: there’s some income support, but the return profile stays tilted toward total return — price gains plus dividends — rather than pure high‑yield income.
Ongoing product costs
- Invesco QQQ Trust 0.20%
- Schwab U.S. Dividend Equity ETF 0.06%
- VANGUARD LIFESTRATEGY GROWTH FUND INVESTOR SHARES 0.10%
- Vanguard Dividend Appreciation Index Fund ETF Shares 0.06%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.09%
The blended ongoing cost, or Total Expense Ratio (TER), is about 0.09% per year. TER is what the funds quietly charge in the background — you don’t see a bill, but performance is reduced by that amount annually. This level is impressively low and a real strength of the portfolio. Many actively managed funds charge 0.5%–1% or more, which compounds into a big drag over decades. Here, the low‑cost index and rules‑based dividend funds keep friction minimal. That means more of the underlying market return ends up in your pocket, which is one of the few things investors can control with reasonable certainty.
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