Concentrated US stock portfolio with balanced factor exposure and scope to fine tune risk and return

Report created on Apr 5, 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 straightforward 100% stock mix built almost entirely with broad US funds. One core ETF dominates at over half the allocation, with two sizeable active or quasi-active funds and a couple of smaller growth and dividend satellites. This kind of “core and satellites” structure is common: a low-cost broad fund does most of the heavy lifting, while a few active or focused funds tilt around the edges. The upside is simplicity and clear exposure to one main market. The tradeoff is that big swings in that central holding will largely dictate the ride, so any changes to risk or style have to be made mostly around that anchor.

Growth Info

Over the last few years, $1,000 grew to about $1,597, which works out to a 12.17% compound annual growth rate (CAGR). CAGR is just the “average speed” of growth per year after smoothing out ups and downs. That return slightly trailed the US market but beat the global market, which is a respectable outcome for a primarily US-focused, balanced-risk profile. The maximum drawdown was about -21.5%, similar to the US market’s drop, which shows the portfolio participates fully in equity drawdowns. Past returns are useful context but not a promise; it’s more like reading the car’s trip history, not a guarantee about the next journey.

Projection Info

The Monte Carlo projection runs 1,000 simulated futures based on how similar portfolios behaved in the past, then mixes and matches those returns randomly. It shows a “most likely” 15‑year value of around $2,673 for every $1,000 invested, with a wide but reasonable range around that. The average simulated annual return is about 7.9%, and about 73% of paths end positive. These scenarios are more like weather models than precise forecasts: they stress-test a range of possibilities rather than predict an exact number. The key takeaway is that a long-term, all‑equity stance comes with meaningful upside potential but also the real possibility of stretches of weak or negative returns.

Asset classes Info

  • Stocks
    100%

All of the portfolio is in stocks, with no bonds, cash substitutes, or alternative assets. That makes the overall risk profile clearly equity-like: strong growth potential over long periods, but also deep drawdowns during market stress. Many broad benchmarks mix in bonds to smooth volatility, so this is more aggressive than a typical “balanced” portfolio in the traditional 60/40 sense. The benefit is that you maximize exposure to long-term equity growth. The flip side is that spending needs, shorter horizons, or low tolerance for interim losses may feel more strained without a stabilizing sleeve of safer assets to cushion big market drops.

Sectors Info

  • Technology
    30%
  • Health Care
    12%
  • Financials
    11%
  • Industrials
    10%
  • Telecommunications
    10%
  • Consumer Staples
    7%
  • Consumer Discretionary
    7%
  • Energy
    6%
  • Consumer Discretionary
    2%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    2%

Sector-wise, there’s a noticeable tilt toward technology at about 30%, with healthy but smaller allocations to health care, financials, industrials, and telecom. This tech-lean is pretty similar to the modern US market, where a handful of large tech and tech‑adjacent firms dominate the index. When tech is in favor, this type of spread tends to help returns; when interest rates rise or growth stocks fall out of fashion, it can amplify volatility. The encouraging part is that other sectors are still meaningfully represented, which supports diversification across different parts of the economy even though tech is clearly in the driver’s seat.

Regions Info

  • North America
    98%
  • Europe Developed
    1%

Geographically, the portfolio is extremely concentrated in North America at about 98%, with only a tiny sliver in developed Europe and effectively nothing elsewhere. That’s more US‑heavy than global stock benchmarks, where the US is big but not nearly this dominant. The upside is alignment with the market that has led performance for the past decade and matches your home currency. The risk is that nearly everything is tied to one economy, one currency, and one set of policies. If US markets lag other regions for a stretch, this setup leaves little participation in potential catch‑up elsewhere.

Market capitalization Info

  • Large-cap
    39%
  • Mega-cap
    36%
  • Mid-cap
    18%
  • Small-cap
    4%
  • Micro-cap
    1%

The market-cap breakdown is centered on mega‑cap and large‑cap stocks, which together make up around three quarters of the exposure. Mid‑caps are present in a moderate way, with only small slivers in small‑ and micro‑cap names. Large and mega caps tend to be more stable businesses with deeper liquidity and tighter spreads, which can make the ride smoother relative to a small‑cap-heavy portfolio. The tradeoff is that the classic “small-cap premium” is only lightly tapped here, so you’re leaning on the biggest companies for most of the growth. That’s very much in line with how major US indices are built today.

True holdings Info

  • NVIDIA Corporation
    4.35%
    Part of fund(s):
    • Capital Group Dividend Value ETF
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Apple Inc
    3.62%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Microsoft Corporation
    2.88%
    Part of fund(s):
    • Capital Group Dividend Value ETF
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Amazon.com Inc
    1.97%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Alphabet Inc Class A
    1.66%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Broadcom Inc
    1.60%
    Part of fund(s):
    • Capital Group Dividend Value ETF
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Meta Platforms Inc.
    1.33%
    Part of fund(s):
    • Capital Group Dividend Value ETF
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Alphabet Inc Class C
    1.33%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Tesla Inc
    1.01%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Berkshire Hathaway Inc
    0.76%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
  • Top 10 total 20.50%

Looking through the funds, the largest underlying exposures are familiar mega-cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, and Tesla. Several of these show up in more than one fund, creating overlap and a hidden concentration in a handful of big tech and growth-driven companies. Because only ETF top-10s are captured, the real overlap is likely a bit higher than shown. This stacked exposure can boost performance when those giants do well but also ties a lot of your outcome to a small group of companies. It’s worth being aware that diversification across tickers may not mean diversification across underlying businesses.

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—those underlying “traits” like value, size, momentum, quality, yield, and low volatility—are all sitting in a neutral, market‑like range. That means the portfolio doesn’t lean strongly toward cheap vs. expensive stocks, smaller vs. larger, trend followers vs. contrarians, or defensive vs. aggressive names. In practice, this suggests behavior quite similar to a broad market index over time, aside from the regional and sector tilts already discussed. The upside is you’re not making a big bet on any single academic factor working or failing. It’s a “plain vanilla” factor profile, which is a solid default if you don’t want to micromanage style exposures.

Risk contribution Info

  • Schwab U.S. Broad Market ETF
    Weight: 55.38%
    58.7%
  • INVESTMENT CO OF AMERICA CLASS A
    Weight: 17.15%
    16.7%
  • Schwab U.S. Dividend Equity ETF
    Weight: 16.37%
    12.3%
  • GROWTH FUND OF AMERICA CLASS C
    Weight: 3.78%
    4.5%
  • Schwab U.S. Large-Cap Growth ETF
    Weight: 3.42%
    4.4%
  • Top 5 risk contribution 96.5%

Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can be very different from percentage weight. Here, the broad US market ETF is about 55% of the portfolio but contributes nearly 59% of total risk, so it slightly dominates the volatility picture. The two largest active or dividend funds together push the top three holdings to almost 88% of the overall risk. Smaller growth funds punch a bit above their weight too, with risk/weight ratios above 1. This isn’t necessarily bad, but it means that any attempt to change risk meaningfully has to focus on these top positions rather than tweaking the small satellites.

Redundant positions Info

  • Schwab U.S. Broad Market ETF
    GROWTH FUND OF AMERICA CLASS C
    Capital Group Dividend Value ETF
    INVESTMENT CO OF AMERICA CLASS A
    Schwab U.S. Large-Cap Growth ETF
    High correlation

Correlation measures how often assets move together. In this mix, almost every pair of holdings is highly correlated, especially the active American Funds and the core Schwab ETFs. That makes sense: they all fish in the same US large‑cap pond and share many of the same big underlying companies. High correlation reduces the diversification benefit you might expect from holding several funds; in a sharp US sell‑off, most of these will likely drop at the same time and in similar fashion. The positive side is that the structure is internally consistent—you’re not mixing wildly different behaviors—but it also means less protection when that one market stumbles.

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 below the efficient frontier, with a Sharpe ratio of 0.53 versus 0.98 for the best combination of these same holdings. The Sharpe ratio is a simple way to compare how much return you’re getting per unit of risk taken. Being about 3.4 percentage points below the frontier at the current risk level suggests there’s room to improve by reweighting, not by adding anything new. At the low‑risk end, a minimum‑variance mix still offers a higher Sharpe than today. The encouraging message is that the building blocks are solid; it’s the proportions that could be fine‑tuned to squeeze more out of the same ingredients.

Dividends Info

  • INVESTMENT CO OF AMERICA CLASS A 11.10%
  • Capital Group Dividend Value ETF 1.10%
  • GROWTH FUND OF AMERICA CLASS C 13.40%
  • Schwab U.S. Broad Market ETF 1.20%
  • Schwab U.S. Dividend Equity ETF 3.50%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Weighted yield (per year) 3.70%

The total yield across the portfolio is around 3.7%, boosted by some unusually high yields on the active mutual funds and a solid contribution from the dedicated dividend ETF. Dividend yield is simply the annual cash payout as a percentage of the investment value. For someone who reinvests, dividends quietly add to total return and buy more shares when prices are low. For someone drawing income, they can provide a modest cash stream without needing to sell as many shares. Just remember that very high yields in specific funds can be noisy or driven by distributions that come from realized gains, not just ongoing underlying income.

Ongoing product costs Info

  • INVESTMENT CO OF AMERICA CLASS A 0.55%
  • Capital Group Dividend Value ETF 0.33%
  • GROWTH FUND OF AMERICA CLASS C 1.35%
  • Schwab U.S. Broad Market ETF 0.03%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Weighted costs total (per year) 0.19%

Overall costs look very efficient, with a blended expense ratio of about 0.19%. That’s mostly thanks to the ultra‑low‑cost Schwab ETFs, which are right at the sharp end of industry pricing. A couple of active mutual funds carry much higher fees—especially the growth fund at 1.35%—but their relatively small weights keep the overall cost footprint in check. Costs matter because they’re guaranteed; every extra 0.5% per year in fees is 0.5% you don’t see in returns. Here, the structure is doing what it should: using cheap, diversified index exposure as the backbone and keeping average expenses impressively low for an active-tilted mix.

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