High income US biased equity portfolio with strong value tilt and moderate diversification across sectors
Report created on May 10, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 44.00% -
QQ NEOS Nasdaq 100 High Income ETF
QQQI - US78433H6751 30.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 13.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 13.00%
This portfolio is a four‑ETF, all‑equity mix with a clear tilt toward US stocks and income generation. About 44% sits in a broad US total market fund, giving exposure across many companies and industries. Another 30% is in a Nasdaq‑100 high income ETF, which layers an income strategy on a growth‑heavy index. A US dividend equity ETF and a total international fund each hold 13%. Structurally, most risk and return will be driven by US equities, with a smaller but meaningful slice in non‑US markets. This kind of setup behaves very differently from a portfolio that mixes in bonds or cash, because all pieces are tied to stock market moves.
Growth
Over the period shown, $1,000 grew to about $1,509, which works out to a Compound Annual Growth Rate (CAGR) of 19.95%. CAGR is like the average yearly “speed” over the full trip, smoothing out bumps along the way. That’s slightly behind both the US market and global market benchmarks, which returned just over 20% annually. The portfolio’s max drawdown was -17.77%, meaning the largest peak‑to‑trough fall was close to one‑fifth of value, similar to the benchmarks. Only 16 days made up 90% of returns, underscoring how a few strong days drive long‑term results and why staying invested matters for capturing those moves.
Projection
The Monte Carlo projection looks at many possible futures by reshuffling returns based on historical behavior. Think of it as running 1,000 “what if” market paths and seeing where $1,000 might land in 15 years. The median outcome of about $2,805 implies an annualized return of 8.25% across simulations, but the range is wide: roughly $1,042 to $7,957 between the 5th and 95th percentiles. Around three‑quarters of simulations end positive. These numbers aren’t promises; they just show how uncertain stock‑only portfolios can be over long periods. Actual future returns could be higher or lower, especially if markets behave differently from the historical patterns used.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash, or alternatives. Asset classes are broad buckets like equities, bonds, or real estate, each reacting differently to economic changes. A 100% stock allocation typically means higher long‑term growth potential but larger swings in value along the way. Relative to a “balanced” mix that often includes a meaningful bond allocation, this structure will usually rise more in strong equity markets and fall more in sharp downturns. The benefit is straightforward exposure to global companies; the trade‑off is less cushioning from income‑oriented or defensive assets that can sometimes hold up better when stocks struggle.
Sectors
- Technology 34%
- Telecommunications 10%
- Consumer Discretionary 10%
- Financials 10%
- Health Care 9%
- Industrials 8%
- Consumer Staples 8%
- Energy 5%
- Basic Materials 2%
- Utilities 2%
- Real Estate 1%
Sector exposure is quite tilted, with technology at 34% and several other sectors—telecoms, consumer discretionary, financials, health care, and industrials—clustered around high single to low double digits. Sectors group companies by what they do, and different sectors react differently to interest rates, inflation, and growth expectations. A tech‑heavy profile often benefits strongly in periods of innovation enthusiasm or falling rates, but can feel more volatile when sentiment turns or rates rise. The smaller weights in utilities, real estate, and basic materials mean less exposure to more defensive or commodity‑linked areas, so the portfolio’s behavior is likely to track more “growth‑sensitive” segments of the market.
Regions
- North America 87%
- Europe Developed 5%
- Japan 2%
- Asia Emerging 2%
- Asia Developed 2%
- Australasia 1%
Geographically, about 87% of the portfolio is in North America, with the rest spread thinly across developed Europe, Japan, developed and emerging Asia, and Australasia. Geography matters because economic cycles, currencies, and policy choices differ by region. Compared with global market weights, this is a clear US‑leaning allocation, with relatively modest stakes elsewhere. That US bias has lined up with strong performance over the last decade, which is a positive alignment with recent history. The flip side is that shocks specific to the US economy or dollar will have a bigger impact than surprises in other regions, given the smaller non‑US slice.
Market capitalization
- Mega-cap 40%
- Large-cap 38%
- Mid-cap 17%
- Small-cap 4%
- Micro-cap 1%
By market capitalization (company size), the portfolio leans heavily toward mega‑ and large‑cap stocks, which together make up about 78%. Mid‑caps add 17%, while small‑ and micro‑caps together account for only 5%. Market cap matters because large companies often have more stable earnings, broader diversification within their own businesses, and deeper trading liquidity. This kind of size mix tends to smooth out some of the sharpest swings seen in very small stocks, while still allowing some exposure to mid‑cap growth potential. Relative to a more small‑cap‑heavy setup, this portfolio may feel somewhat steadier, but it also relies more on the performance of big, well‑known companies.
True holdings
-
NV NVIDIA Corporation 5.19%
Part of fund(s):- NEOS Nasdaq 100 High Income ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 4.70%
Part of fund(s):- NEOS Nasdaq 100 High Income ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.50%
Part of fund(s):- NEOS Nasdaq 100 High Income ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.92%
Part of fund(s):- NEOS Nasdaq 100 High Income ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.35%
Part of fund(s):- NEOS Nasdaq 100 High Income ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.08%
Part of fund(s):- NEOS Nasdaq 100 High Income ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 2.01%
Part of fund(s):- NEOS Nasdaq 100 High Income ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.80%
Part of fund(s):- NEOS Nasdaq 100 High Income ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.70%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- NEOS Nasdaq 100 High Income ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 1.02%
Part of fund(s):- NEOS Nasdaq 100 High Income ETF
- Top 10 total 27.27%
Looking through to the top holdings across ETFs, the biggest underlying names are familiar mega‑cap growth stocks like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Micron. Several of these appear in multiple funds, which creates hidden concentration even though they’re held indirectly. For example, NVIDIA alone makes up just over 5% of the overall portfolio based on the top‑10 data, and Apple about 4.7%. Because only ETF top‑10 holdings are included, the true overlap is probably higher. This clustering around a handful of large technology‑ and growth‑oriented names means their individual fortunes can noticeably sway the portfolio’s overall ups and downs.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
Factor exposure shows a very high tilt toward value (85%), with high exposure to yield (70%) and low volatility (60%), and very low size exposure (4%). Factors are characteristics like value or yield that research links to long‑term return patterns—think of them as investing “ingredients.” A strong value tilt suggests a focus on stocks priced more cheaply relative to fundamentals, which can help in periods when investors favor cash flows and valuations over fast growth stories. High yield and low volatility tilts line up with an income‑oriented, somewhat defensive equity style. The very low size exposure means limited tilt toward smaller companies, concentrating factor behavior in larger, often more established firms.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 44.00% 47.6% -
NEOS Nasdaq 100 High Income ETF
Weight: 30.00% 33.1% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 13.00% 11.1% -
Schwab U.S. Dividend Equity ETF
Weight: 13.00% 8.2%
Risk contribution shows how much each holding drives the portfolio’s total volatility, which can differ from its simple weight. Here, the US total market ETF (44% weight) contributes about 47.6% of risk, and the Nasdaq high income ETF (30% weight) contributes 33.1%. The international fund and dividend ETF together add under 20% of risk. The top three positions account for nearly 92% of total portfolio risk, so the overall ride is dominated by these core ETFs. This alignment is not extreme given their weights, but it does mean changes in those broad US and Nasdaq exposures will have a much bigger impact than tweaks to the smaller positions.
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 risk vs. return chart shows the current portfolio with a Sharpe ratio of 1.03, compared with 1.35 for the optimal (max Sharpe) mix and 1.22 for the minimum variance portfolio. The Sharpe ratio measures return per unit of risk above the risk‑free rate, so higher is better on a risk‑adjusted basis. The current allocation sits about 1.64 percentage points below the efficient frontier at its risk level, meaning that, with the same holdings but different weights, the model suggests higher expected return or lower volatility could be achievable. Even so, a Sharpe above 1 is generally solid, indicating the portfolio is already in a reasonably efficient zone, just not the mathematically best one.
Dividends
- NEOS Nasdaq 100 High Income ETF 13.40%
- Schwab U.S. Dividend Equity ETF 3.30%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 5.24%
The overall indicated dividend yield of about 5.24% is relatively high for an all‑equity portfolio. That’s heavily influenced by the NEOS Nasdaq 100 High Income ETF at 13.4% yield, alongside more typical yields from the US dividend, US total market, and international funds. Dividends are cash paid out by holdings, and over time they can make up a significant portion of total return, especially when reinvested. A higher yield focus often means more of the portfolio’s return comes in the form of current income rather than pure price growth. It’s worth remembering that unusually high yields can fluctuate and may reflect specific income strategies or market conditions.
Ongoing product costs
- NEOS Nasdaq 100 High Income ETF 0.68%
- Schwab U.S. Dividend Equity ETF 0.06%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.23%
The weighted average ongoing fee (TER) for this portfolio is about 0.23% per year. TER, or Total Expense Ratio, is the annual cost charged by funds as a percentage of assets, quietly deducted inside the ETF. Three of the four funds are very low cost, with fees between 0.03% and 0.06%, which is strongly aligned with best practices for broad index exposure. The higher‑cost piece is the Nasdaq high income ETF at 0.68%, reflecting a more complex income strategy. Overall, the total cost level is still quite competitive for an income‑tilted, multi‑ETF setup, helping more of the portfolio’s gross returns flow through to the investor over time.
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