Blend of broad market growth focus with modest income tilt and strong cost efficiency
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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VO Vanguard S&P 500 ETF
VOO - US9229083632 60.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 20.00% -
VT Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 20.00%
This portfolio is made up of three broad stock ETFs: a large core position in a mainstream US index, plus smaller slices in a global fund and a US dividend-focused ETF. Everything here is equities, with no bonds or alternatives. That creates a clean, simple structure that’s easy to understand and monitor. A big core ETF paired with a couple of satellites is a common “core and satellite” approach that keeps things streamlined while adding a bit of flavor. The main implication is that results will be driven mostly by the general stock market, especially the US, with some added influence from dividend payers and the rest of the world.
Growth
Over the last decade, $1,000 grew to about $3,633, which means a Compound Annual Growth Rate (CAGR) of 13.81%. CAGR is like your average speed on a long road trip: it smooths out the bumps to show how fast you traveled overall. The portfolio slightly trailed the broad US market but beat the global market by a comfortable margin, which is a solid outcome. The max drawdown of about -34% in early 2020 matches what you’d expect from a fully stock-based approach. This shows strong growth potential but also real downside swings, which is normal for an all-equity mix.
Projection
The Monte Carlo projection uses past returns and volatility to simulate many possible futures, like running 1,000 alternate timelines for this portfolio. It suggests a median outcome of about $2,945 from $1,000 over 15 years, with a wide but reasonable range around that. The model estimates an average annualized return of roughly 8.35% and a 76% chance of ending with more than you started. This is helpful for setting expectations, but it’s still based on history and assumptions. Real life can be kinder or harsher, so these numbers are more like weather forecasts than guarantees.
Asset classes
- Stocks 100%
Everything here is in stocks, with no allocation to bonds, cash-like instruments, or other asset classes. Equities are typically the main growth engine in a portfolio, but they also drive most of the volatility, meaning larger ups and downs. A balanced investor profile often mixes in stabilizers like bonds, which tend to move differently than stocks, especially in downturns. Having 100% in stocks can work well for long time horizons and investors comfortable with big swings. For anyone wanting smoother rides or near-term spending plans, adding other asset classes is usually how people dial down the bumps.
Sectors
- Technology 28%
- Financials 12%
- Health Care 12%
- Consumer Discretionary 9%
- Telecommunications 9%
- Industrials 9%
- Consumer Staples 8%
- Energy 6%
- Basic Materials 2%
- Utilities 2%
- Real Estate 2%
Sector-wise, the portfolio leans heavily into technology, followed by financials and health care, with smaller slices in consumer areas, industrials, energy, and other segments. This is broadly similar to many major stock indices today, where tech dominates because the biggest companies sit there. Tech-heavy allocations can boost returns when innovation and growth are rewarded, but they tend to be more sensitive to rising interest rates or shifts in investor sentiment. The presence of multiple other sectors is a plus: it spreads risk somewhat, even though tech remains the main driver of performance and volatility.
Regions
- North America 92%
- Europe Developed 3%
- Japan 1%
- Asia Developed 1%
- Asia Emerging 1%
Geographically, about 92% of the exposure is in North America, with only small allocations to developed Europe, Japan, and parts of Asia. That’s even more US-centric than typical global benchmarks, where the US is large but not quite this dominant. A strong US tilt has been a tailwind over the past decade, as US markets outperformed many regions. The flip side is that economic, political, or currency issues specific to the US will heavily influence results. Including at least some non-US exposure, as you already do, helps — but the overall behavior will still look very “US stock market-like.”
Market capitalization
- Large-cap 43%
- Mega-cap 36%
- Mid-cap 18%
- Small-cap 2%
The portfolio is mostly invested in mega-cap and large-cap companies, with modest exposure to mid-caps and only a small slice of small caps. Large and mega caps tend to be more stable, established businesses, so they usually show less extreme volatility than tiny, speculative firms. This tilt lines up well with mainstream index investing and helps keep risk somewhat contained within an all-equity approach. With limited small-cap exposure, you’re getting less of the potential higher long-term growth and extra volatility those can bring. Overall, the market-cap mix looks sensible for someone wanting broad, familiar market exposure.
True holdings
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NV NVIDIA Corporation 5.34%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
AA Apple Inc 4.70%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
MS Microsoft Corporation 3.48%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
AM Amazon.com Inc 2.57%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.12%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
AV Broadcom Inc 1.85%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.70%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.59%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
TS Tesla Inc 1.32%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
BR Berkshire Hathaway Inc 0.94%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 25.61%
Looking through the ETFs, a lot of exposure sits in the biggest US names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Berkshire. Some show up across more than one ETF, creating “hidden” overlap where the same company affects the portfolio multiple times. Because only top-10 holdings are used, the actual overlap is likely a bit higher than reported. This concentration in mega household names means results will be heavily influenced by how a handful of giants perform. The upside is strong participation in market leaders; the trade-off is more sensitivity if these companies stumble together.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility all sit in the neutral range, meaning the portfolio behaves broadly like the overall market on these dimensions. Factors are like underlying “traits” of stocks — for example, value focuses on cheaper companies, while momentum looks at recent winners. Some portfolios lean heavily into certain traits; this one does not. That neutrality is actually a strength for many investors: it avoids making big bets on a single style that can go in and out of favor. You’re essentially getting a classic, broad-market factor profile.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 60.00% 62.5% -
Vanguard Total World Stock Index Fund ETF Shares
Weight: 20.00% 19.6% -
Schwab U.S. Dividend Equity ETF
Weight: 20.00% 17.9%
Risk contribution shows how much each holding adds to total portfolio ups and downs, which can differ from its weight. Here, the S&P 500 ETF is 60% of the portfolio but contributes roughly 63% of the risk, so it’s slightly more influential than its size alone suggests. The global ETF and dividend ETF contribute somewhat less risk than their weights, which is in line with their smaller positions and slightly different behavior. There are no extreme imbalances, and this is a clean, concentrated three-holding structure. Rebalancing over time can keep these risk shares aligned with what you’re comfortable with.
Redundant positions
-
High correlationVanguard S&P 500 ETFVanguard Total World Stock Index Fund ETF Shares
The S&P 500 ETF and the total world ETF move almost identically, which means they are highly correlated. Correlation measures how assets move together: when it’s high, they tend to go up and down at the same time. That’s useful context for diversification, because owning two things that behave nearly the same doesn’t add much cushion in a downturn. In this setup, the global ETF still brings slightly different exposures, but in crises, it will likely fall in line with US markets. The main diversification benefits here come from sector mix and the dividend-tilted fund, not from distinct return patterns.
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, this portfolio sits right on or very near the efficient frontier. The efficient frontier shows the best possible return for each level of risk using only your current holdings but in different weightings. The Sharpe ratio, which compares excess return to volatility, is 0.61 for the current mix, with higher values for both the minimum-variance and max-Sharpe blends. The fact your allocation is already close to the frontier means the trade-off between risk and return is quite efficient. Any improvements from reweighting would likely be incremental rather than transformational.
Dividends
- Schwab U.S. Dividend Equity ETF 3.40%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total World Stock Index Fund ETF Shares 1.70%
- Weighted yield (per year) 1.68%
The overall portfolio yield sits around 1.68%, driven mainly by the higher-yielding dividend ETF at about 3.4%, with lower yields from the core S&P 500 and global funds. Dividend yield is the cash income you collect each year as a percentage of your investment, like rent on a property. This blend leans more toward growth than income, but it still generates a modest stream of payments. For investors not relying on current income, reinvesting dividends can quietly boost long-term compounding. For income-focused goals, the existing yield is a helpful start but not a pure income-heavy approach.
Ongoing product costs
- Schwab U.S. Dividend Equity ETF 0.06%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- Weighted costs total (per year) 0.04%
The total expense ratio (TER) across the portfolio is impressively low at about 0.04%. TER is the annual fee charged by funds, expressed as a percentage of your investment. Here, each ETF charges between 0.03% and 0.07%, which is firmly in the ultra-low-cost camp. Keeping costs down is one of the few levers investors fully control, and over decades, even small fee differences compound into real money. This setup is very well aligned with best practices in passive investing: broad exposure at minimal cost. That strong cost efficiency is a real long-term advantage for this portfolio structure.
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