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Growth focused global stock portfolio with strong US tilt and broadly market like factor profile

Report created on Apr 30, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is a seven‑ETF, all‑equity mix with a clear focus on growth. A large core allocation goes to broad US stocks, backed up by developed ex‑US and emerging markets funds, so it holds thousands of companies indirectly. Around a quarter sits in foreign developed markets and about a tenth in emerging markets, while several satellite funds tilt toward US momentum, small caps, quality, and large‑cap growth. This structure blends simple market‑wide exposure with targeted growth‑oriented slices. It behaves very much like an equity growth portfolio: returns and risk are mainly driven by global stock markets, with the biggest influence coming from US large companies.

Growth Info

From 2016 to 2026, $1,000 in this portfolio grew to about $3,588, a compound annual growth rate (CAGR) of 15.51%. CAGR is like your average speed on a long trip, smoothing out the bumps along the way. Over the same period, the US market grew faster at 16.97%, while the global market returned 13.88%. So the portfolio lagged a pure US approach but beat a broad global mix. The maximum drawdown, or worst peak‑to‑trough drop, was about ‑34%, similar to both benchmarks, with a sharp fall in early 2020 and a fairly quick five‑month recovery. As always, past performance only shows how it behaved, not what it will do next.

Projection Info

The Monte Carlo simulation projects many possible future paths using the portfolio’s historical risk and return as inputs. Think of it as running 1,000 alternate timelines to see a range of outcomes for the next 15 years. In these simulations, $1,000 has a median ending value of about $2,746, with a “middle” range from roughly $1,873 to $4,183. The widest band, from $1,042 to $7,257, shows that results could be much better or worse than the central case. The average simulated annual return is 8.03%, with about three‑quarters of paths ending positive. These numbers are model outputs, not promises; they rely heavily on history continuing to rhyme with the future.

Asset classes Info

  • Stocks
    100%

All of this portfolio is invested in stocks, with 0% in bonds, cash, or alternatives. That 100% equity allocation is why the risk score sits toward the higher end and the “Growth Investors” label appears. Stocks have historically offered higher long‑term returns than bonds, but with much larger and more frequent swings along the way. The absence of defensive assets means there is little built‑in cushioning during market stress; drawdowns will likely be similar to broad equity markets. On the other hand, the mix of US, developed ex‑US, emerging markets, and small caps creates diversification within the stock bucket itself, spreading exposure across many parts of the global equity market.

Sectors Info

  • Technology
    29%
  • Financials
    15%
  • Industrials
    12%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Energy
    4%
  • Utilities
    3%
  • Real Estate
    2%

Sector exposure is tilted toward growth‑oriented areas, with technology the largest slice at 29%, followed by financials and industrials. Relative to a typical global equity benchmark, this tech weight is on the higher side, while more defensive areas like utilities, consumer staples, and real estate are notably smaller. Cyclical sectors such as consumer discretionary and industrials also play a meaningful role. This kind of sector pattern often means stronger participation when growth and innovation are rewarded by markets, but potentially sharper pullbacks if interest rates rise or investors rotate toward more defensive or value‑oriented areas. Overall, the sector spread is broad, but growth‑leaning rather than evenly balanced.

Regions Info

  • North America
    68%
  • Europe Developed
    13%
  • Asia Emerging
    5%
  • Asia Developed
    5%
  • Japan
    5%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, about 68% of the portfolio is in North America, with most of that likely in the US, and the rest spread across developed Europe, Japan, developed Asia, and smaller slices in emerging regions. Compared with a typical global market index, which usually has the US around 60%, this portfolio is clearly US‑tilted. It still holds meaningful international exposure, including roughly 10% in emerging markets and around a fifth across developed non‑US regions. This structure benefits from the depth and historical strength of US markets while still tapping into growth and diversification from overseas economies and currencies. However, global returns will be strongly influenced by how US equities perform.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    32%
  • Mid-cap
    18%
  • Small-cap
    6%
  • Micro-cap
    1%

By market capitalization, this mix leans toward large companies, with about 42% in mega‑caps and 32% in large‑caps, then smaller weights in mid, small, and micro‑cap stocks. That pattern is close to how the global stock market itself is sized: dominated by a relatively small number of very large firms. The dedicated small‑cap fund boosts exposure to smaller companies compared with a pure large‑cap portfolio, adding another dimension of diversification. Large and mega‑caps tend to be more established and somewhat less volatile than tiny firms, while small and micro‑caps can be more sensitive to economic cycles and liquidity. The result is a mainly large‑cap profile with a meaningful, but not dominant, small‑cap kicker.

True holdings Info

  • NVIDIA Corporation
    4.98%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
    • iShares Core S&P 500 ETF
    • iShares MSCI USA Quality Factor ETF
  • Apple Inc
    3.08%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • iShares Core S&P 500 ETF
    • iShares MSCI USA Quality Factor ETF
  • Microsoft Corporation
    2.45%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • iShares Core S&P 500 ETF
    • iShares MSCI USA Quality Factor ETF
  • Broadcom Inc
    2.31%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
    • iShares Core S&P 500 ETF
  • Alphabet Inc Class A
    1.97%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
    • iShares Core S&P 500 ETF
  • Amazon.com Inc
    1.79%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • iShares Core S&P 500 ETF
  • Alphabet Inc Class C
    1.57%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
    • iShares Core S&P 500 ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.32%
    Part of fund(s):
    • Vanguard FTSE Emerging Markets Index Fund ETF Shares
  • Meta Platforms Inc.
    1.23%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • iShares Core S&P 500 ETF
    • iShares MSCI USA Quality Factor ETF
  • Tesla Inc
    0.77%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Schwab U.S. Large-Cap Growth ETF
    • iShares Core S&P 500 ETF
  • Top 10 total 21.46%

Looking through ETF top‑10 holdings, a cluster of big names like NVIDIA, Apple, Microsoft, Broadcom, Alphabet, Amazon, Meta, Tesla, and Taiwan Semiconductor shows up. NVIDIA alone adds up to nearly 5% of the total portfolio through multiple funds, while several other mega‑caps sit around 1–3%. This repeat appearance means there is some hidden concentration: different ETFs are all leaning into many of the same companies, especially in technology and communication services. Because only top‑10 holdings are captured, the true overlap is probably higher than shown. This is common in broad index and style ETFs, but it does mean that a handful of giants drive a noticeable share of the portfolio’s overall behavior.

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 exposures here are very close to market‑like across the board. The scores for value, size, momentum, quality, yield, and low volatility all sit in the neutral 40–60% range, clustered around the 50% “market average” point. Factor investing focuses on characteristics like cheapness (value), trend following (momentum), or stability (low volatility) that research has tied to long‑run returns. Despite holding explicit momentum, quality, and small‑cap funds, the overall blend does not create a strong tilt in any single factor once everything is combined. That means the portfolio’s return pattern should resemble a broad equity market rather than behaving like a specialized factor strategy.

Risk contribution Info

  • iShares Core S&P 500 ETF
    Weight: 36.80%
    37.5%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares
    Weight: 24.65%
    22.6%
  • Invesco S&P 500® Momentum ETF
    Weight: 11.35%
    11.9%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares
    Weight: 10.28%
    9.5%
  • Vanguard Small-Cap Index Fund ETF Shares
    Weight: 7.74%
    8.8%
  • Top 5 risk contribution 90.2%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. The core S&P 500 fund is 36.8% of assets and contributes a similar 37.5% of risk, so it behaves as expected. The developed and emerging markets funds contribute slightly less risk than their weights, reflecting some diversification benefits. The small‑cap ETF stands out a bit: at 7.7% of the portfolio, it adds about 8.8% of risk, so each dollar there is a bit “louder” than average. The top three holdings together account for about 72% of total risk, which shows that a relatively small number of broad funds dominate day‑to‑day volatility.

Redundant positions Info

  • iShares MSCI USA Quality Factor ETF
    Schwab U.S. Large-Cap Growth ETF
    iShares Core S&P 500 ETF
    High correlation

The correlation data highlights that the core S&P 500 ETF moves almost identically with both the US quality and US large‑cap growth funds. Correlation measures how often and how strongly assets move together, on a scale from ‑1 to 1. When funds are highly correlated, they tend to rise and fall in sync, which limits the diversification benefit between them. In this case, the quality and growth satellites are essentially variations on the same US large‑cap theme that already dominates the portfolio. That doesn’t make them “bad,” but it means they’re adding more of a similar risk rather than something that behaves very differently when markets get choppy.

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 efficient frontier chart, the current portfolio has a Sharpe ratio of 0.65, which is below both the minimum‑variance mix (0.69) and the max‑Sharpe “optimal” mix (0.98). The Sharpe ratio compares excess return to volatility, like measuring how much reward you’re getting per unit of bumpiness. The model suggests that, using only these existing holdings but in different weights, it would be possible to either lower risk slightly at similar return or raise return at somewhat higher risk. At its present risk level, the portfolio sits about 1.1 percentage points below the efficient frontier, indicating it’s reasonably constructed but not extracting the best possible risk/return trade‑off from the current ingredients.

Dividends Info

  • iShares Core S&P 500 ETF 1.10%
  • iShares MSCI USA Quality Factor ETF 0.90%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Invesco S&P 500® Momentum ETF 0.80%
  • Vanguard Small-Cap Index Fund ETF Shares 1.30%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.80%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.50%
  • Weighted yield (per year) 1.61%

The overall dividend yield of the portfolio is about 1.61%, coming from a mix of lower‑yielding US growth and factor funds and higher‑yielding international and emerging markets ETFs. Yield is the cash income paid out each year as a percentage of the investment value. Here, US growth and momentum pieces tend to pay under 1%, while developed ex‑US and emerging markets funds are closer to 2.5–2.8%. That pattern is typical: non‑US markets often have higher dividend payouts. In this portfolio, dividends are a modest but steady component of total return, with most of the long‑term performance likely driven by price changes rather than income.

Ongoing product costs Info

  • iShares Core S&P 500 ETF 0.03%
  • iShares MSCI USA Quality Factor ETF 0.15%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Small-Cap Index Fund ETF Shares 0.05%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Weighted costs total (per year) 0.06%

Costs are impressively low, with a total expense ratio (TER) around 0.06%. TER is the annual fee charged by ETFs, expressed as a percentage of assets, and it quietly chips away at returns every year. Here, the largest positions are in broad index funds charging 0.03–0.08%, and even the more specialized factor and momentum ETFs stay near 0.15%. This is very competitive compared with typical active funds and many older ETFs. Keeping costs this low means more of the portfolio’s gross return is kept rather than paid away, which compounds over time and supports better long‑term outcomes without adding extra risk.

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