Growth tilted all stock portfolio with strong US focus and balanced income and quality tilt

Report created on Mar 27, 2026

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.

Positions

The portfolio is a pure stock mix, split across seven broad ETFs with no bonds or cash. About a third is a total US market core, with a big satellite in large‑cap growth and the rest in small value, dividends, international stocks, and energy. This structure blends broad market coverage with a few targeted tilts instead of betting on individual companies. For many growth‑oriented investors, that’s a sound framework: a strong core plus satellites for style and sector tilts. The key takeaway is that risk is firmly in the “equity only” bucket, so stability will come from diversification within stocks rather than from safer assets like bonds or cash.

Growth Info

Over the last several years, a hypothetical $1,000 grew to about $2,379, a compound annual growth rate (CAGR) near 14.3%. CAGR is like your average speed on a long road trip, smoothing out bumps along the way. Performance essentially matched the US market and clearly beat the global market, which is solid validation of the overall design. The max drawdown, around -37%, was deeper than both benchmarks, reminding that this is a risk‑forward allocation. That drawdown is the “gut check” number: it shows the kind of temporary loss that has historically come with this growth profile. Being comfortable with that depth of drop is crucial before adding more risk.

Asset classes Info

  • Stocks
    100%

All capital is in stocks, with zero allocation to bonds, cash, or alternatives. That makes this a high‑beta, growth‑oriented structure where portfolio swings will strongly mirror the equity market cycle. For investors with long horizons and stable income, this can be appropriate and historically rewarding, but it’s not designed for capital preservation or short‑term needs. Relative to many balanced benchmarks that mix in bonds, this is significantly more aggressive. The clear upside is higher return potential and full participation in equity rallies; the clear downside is larger drawdowns and a longer possible recovery time. Anyone using this setup usually benefits from keeping a separate, safer cash or bond buffer outside the portfolio.

Sectors Info

  • Technology
    24%
  • Energy
    16%
  • Financials
    13%
  • Health Care
    10%
  • Consumer Discretionary
    9%
  • Industrials
    9%
  • Telecommunications
    8%
  • Consumer Staples
    6%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    1%

Sector exposure is broad, but certain areas stand out. Technology is the largest slice, amplified by the growth ETF and index exposure, which boosts long‑term upside but makes returns more sensitive to interest rate moves and innovation cycles. Energy is notably overweight thanks to the dedicated sector fund, increasing sensitivity to commodity prices and economic growth. Financials, health care, consumer areas, and industrials provide a solid supporting mix, while utilities and real estate are relatively small, so defensive ballast is limited. This sector profile aligns well with a growth investor mindset: strong engines in tech and energy, but with awareness that downturns in these segments could create sharper short‑term swings.

Regions Info

  • North America
    90%
  • Europe Developed
    4%
  • Japan
    2%
  • Asia Developed
    2%
  • Asia Emerging
    1%

Geographically, the portfolio is heavily tilted to North America at around 90%, with modest exposure to Europe, Japan, and other developed and emerging Asian markets. This kind of home‑bias is common for US‑based investors and has been rewarded over the last decade as US markets outpaced much of the world. However, it does mean economic and policy risks are concentrated in one region. Global benchmarks typically allocate a lower share to North America, so this is a clear over‑weight. The plus side is familiarity and alignment with domestic currency and economy; the trade‑off is less diversification if non‑US regions outperform or if the US faces a long, relative lag.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    32%
  • Mid-cap
    19%
  • Small-cap
    9%
  • Micro-cap
    5%

Market cap exposure is well spread across mega, large, mid, small, and even some micro‑caps. The blend leans toward mega and large companies, which are generally more stable and widely followed, but still gives meaningful room to smaller firms via the small‑cap value allocation and the total market ETF. Smaller caps often bring higher volatility and more business risk but can offer stronger long‑term growth when conditions are favorable. This size mix supports a diversified growth profile: big names help anchor the portfolio, while smaller companies add a shot at higher returns and factor premia. It’s a constructive alignment that balances stability with long‑run opportunity.

True holdings Info

  • NVIDIA Corporation
    4.16%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    4.05%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
  • Microsoft Corporation
    3.14%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
  • Exxon Mobil Corp
    2.65%
    Part of fund(s):
    • Energy Select Sector SPDR® Fund
    • iShares Core Dividend Growth ETF
  • Chevron Corp
    2.18%
    Part of fund(s):
    • Energy Select Sector SPDR® Fund
    • Schwab U.S. Dividend Equity ETF
  • Amazon.com Inc
    2.02%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    1.77%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    1.77%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
  • Alphabet Inc Class C
    1.40%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    1.37%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 24.52%

Looking through the ETFs, there is meaningful overlap in mega‑cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Meta. Several of these appear in multiple funds, partly because they dominate US indexes and growth strategies. This creates hidden concentration: you may feel diversified by fund count, but a chunk of risk still hinges on a handful of tech and communication giants. Overlap data is incomplete because only ETF top‑10s are included, so true concentration is likely a bit higher. The benefit is strong exposure to market leaders; the trade‑off is that a reversal in these giants could weigh more heavily than the fund lineup might suggest at first glance.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 100%
Size
Exposure to smaller companies
Low
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Low
Data availability: 100%
Quality
Preference for financially healthy companies
Low
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 quite balanced overall, with value, yield, and low volatility all sitting near neutral relative to the broad market. Size, momentum, and quality show mild tilts away from those factors, meaning the portfolio behaves slightly less like a concentrated small‑cap, trending, or high‑quality strategy. Factor exposure describes how much you lean into traits like value or momentum that research has tied to returns, like the ingredients behind performance. Here, no factor dominates, which is positive for diversification and reduces the risk of any single style going badly out of favor. The main implication: returns are likely to track broad market dynamics rather than swing heavily with specific factor cycles.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 30.00%
    29.5%
  • Schwab U.S. Large-Cap Growth ETF
    Weight: 20.00%
    21.2%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 10.00%
    12.4%
  • Energy Select Sector SPDR® Fund
    Weight: 10.00%
    12.0%
  • iShares Core Dividend Growth ETF
    Weight: 10.00%
    8.7%
  • Top 5 risk contribution 83.7%

Risk contribution shows how much each holding adds to the portfolio’s total ups and downs, which can differ from its weight. The core total US market ETF contributes roughly in line with its size, while the large‑cap growth fund adds slightly more risk than its weight would suggest, reflecting its higher volatility. Small‑cap value and the energy sector fund also punch above their weight in risk terms, as smaller companies and commodity‑sensitive stocks tend to swing more. The top three positions account for about 63% of overall risk, underlining where real volatility comes from. Adjusting these allocations up or down would be the main lever for dialing total portfolio risk.

Redundant positions Info

  • Schwab U.S. Dividend Equity ETF
    iShares Core Dividend Growth ETF
    High correlation

Correlation measures how often investments move together, like whether different instruments in an orchestra tend to play the same tune at once. The two dividend‑focused ETFs are highly correlated, meaning they behave similarly and don’t add much extra diversification relative to each other. Correlated groups can still be useful if they serve a clear role, such as reinforcing a dividend or quality tilt, but they won’t offset each other much in a downturn. In contrast, allocations that zig when others zag provide more powerful risk reduction. For this portfolio, the main diversification benefit comes from blending growth, value, small caps, international, and sector tilts rather than from the pair of dividend funds.

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 portfolio sits below the efficient frontier, which represents the best expected return for each risk level using only the existing holdings. The Sharpe ratio, a measure of return per unit of volatility, is lower than that of the optimal mix, meaning the same ingredients could be combined more efficiently. Notably, a higher‑Sharpe allocation would modestly increase risk but more strongly increase expected return. Even at similar risk, a different weighting appears capable of delivering better outcomes. This doesn’t require new funds, just rebalancing the current ones. Historically based optimization isn’t a guarantee, but it’s a useful signal that small tweaks could sharpen the risk‑return tradeoff.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.40%
  • iShares Core Dividend Growth ETF 2.10%
  • iShares Core MSCI Total International Stock ETF 3.20%
  • Schwab U.S. Dividend Equity ETF 2.60%
  • Schwab U.S. Large-Cap Growth ETF 0.30%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Energy Select Sector SPDR® Fund 2.40%
  • Weighted yield (per year) 1.59%

The portfolio’s total dividend yield of about 1.6% is modest but not negligible. Individual dividend‑oriented funds and energy holdings sport higher yields, while the growth ETF pays very little, pulling the overall average down. Dividends can be valuable as a steady cash stream or a way to automatically reinvest income into more shares, especially over long horizons. In a growth‑tilted equity portfolio, a mid‑range yield like this strikes a nice balance: it adds some income and signals exposure to established, profitable businesses, but it doesn’t sacrifice too much growth potential by overloading into high‑yield, slower‑growing names. It’s a reasonable match for someone prioritizing appreciation with a side of income.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares Core Dividend Growth ETF 0.08%
  • iShares Core MSCI Total International Stock ETF 0.07%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Energy Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.07%

Costs are impressively low, with a blended total expense ratio around 0.07%. TER, or total expense ratio, is like the annual “membership fee” you quietly pay to the fund provider. Over decades, saving even a few tenths of a percent per year can translate into thousands of extra dollars through compounding. This cost profile is well aligned with best practices and sits comfortably below many actively managed alternatives. Keeping fees this low supports better long‑term performance and gives more room for market returns to flow through to you. From an efficiency standpoint, the cost side of this portfolio is a major strength and doesn’t call for big changes.

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