Broad stock portfolio with strong US focus and an extra tilt toward semiconductors and growth names
Report created on Apr 29, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 45.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 25.00% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 9.00% -
GO Alphabet Inc Class C
GOOG - US02079K1079 8.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 8.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 5.00%
This portfolio is a six-position, all-equity mix built mainly from broad index ETFs, plus a few focused tilts. The two Vanguard total-market funds together make up 70%, giving very wide coverage of US and international stocks. Around 22% is in more specialized slices: a semiconductor ETF, a dividend-focused ETF, and a large-cap growth ETF. A single stock, Alphabet Class C, holds the remaining 8%. This kind of structure mixes a broad “core” with more concentrated “satellite” positions. The core provides general market exposure, while the satellites shape the portfolio’s personality by adding growth, tech, and dividend flavor. The result is diversified overall, but with clear lean-ins that can drive differences versus the market.
Growth
From 2016 to April 2026, $1,000 in this portfolio grew to about $5,451, which is a compound annual growth rate (CAGR) of 18.57%. CAGR is like the average speed of a car over a long trip, smoothing out all the ups and downs. Over the same period, the US market returned 14.97% and the global market 12.26%, so this portfolio outpaced both by a notable margin. The worst peak‑to‑trough fall (max drawdown) was about -33.4%, very similar to the benchmarks. That means extra return historically did not come with deeper crashes, just stronger upside. As always, past performance only shows how this mix behaved before; it doesn’t guarantee the future will look the same.
Projection
The Monte Carlo projection looks at many possible futures by re-mixing historical returns thousands of times. It’s a bit like simulating 1,000 alternate market histories for the next 15 years. In these simulations, $1,000 most often ended around $2,749, with a middle “likely” range from about $1,785 to $4,154. Extreme but still plausible outcomes stretched from roughly $943 to $7,397. Across all runs, the average annual return was about 8.01%, and roughly 73% of simulations finished with a gain. These numbers show a wide spread of outcomes, which is normal for an all-stock portfolio. They’re best read as a range of what could happen, not a promise of what will happen.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% allocated to bonds, cash, or alternative assets. Equities tend to offer higher long-term growth potential but also larger swings along the way than more conservative assets. Being 100% in stocks means the portfolio is fully tied to stock market cycles, with no built-in “shock absorbers” from bonds or cash. Compared with typical blended benchmarks that hold a mix of stocks and bonds, this structure leans clearly toward growth and volatility. The benefit is strong participation in equity upturns; the trade-off is deeper and more frequent drawdowns when markets are stressed. This all-equity setup is a deliberate choice toward growth rather than stability.
Sectors
- Technology 31%
- Telecommunications 15%
- Financials 12%
- Industrials 9%
- Health Care 8%
- Consumer Discretionary 8%
- Consumer Staples 5%
- Energy 5%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector-wise, the portfolio is clearly tilted toward technology at 31%, with additional exposure in communication-related names at 15%. Together, that’s almost half of the equity exposure in growth-oriented, innovation-heavy areas. Financials, industrials, and health care provide meaningful diversification, while areas like utilities, real estate, and basic materials sit at low single digits. Versus broad global benchmarks, this is a more tech- and communication-heavy mix, partly driven by the semiconductor ETF and the growth fund. Such a tilt often boosts returns when technology and digital businesses lead the market, but it can also increase sensitivity to things like interest-rate changes, regulatory shifts, or cyclical swings in demand for chips and software.
Regions
- North America 75%
- Europe Developed 10%
- Asia Developed 5%
- Japan 4%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 75% of the portfolio sits in North America, with the remainder spread across developed Europe, Japan, other developed Asia, and smaller allocations to emerging regions. That level of US and North American focus is higher than a typical global equity index, where the US weight is big but not quite this dominant. This means portfolio results are heavily tied to the performance of one main economy and currency. The international slice still adds diversification, giving exposure to different economic cycles and policy environments, but it plays more of a supporting role than an equal partner. When US markets outperform, this bias helps; when they lag, it can be a headwind.
Market capitalization
- Mega-cap 45%
- Large-cap 33%
- Mid-cap 16%
- Small-cap 4%
- Micro-cap 1%
By market capitalization, the portfolio leans strongly into the largest companies: around 45% in mega-caps and 33% in large-caps. Mid-caps represent 16%, with small- and micro-caps making up only about 5% combined. This structure is close to most broad indexes, which are naturally dominated by the biggest firms. Large, established companies often bring more stable earnings and better liquidity, which can dampen some of the extreme swings seen in tiny stocks. The relatively modest exposure to smaller companies means less participation in the sometimes higher growth (and higher risk) of that group. Overall, the size mix is very market-like, supporting diversification across many big, familiar names.
True holdings
-
Part of fund(s):
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
NV NVIDIA Corporation 5.08%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- VanEck Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 3.16%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.35%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.02%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- VanEck Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.75%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.44%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.08%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Taiwan Semiconductor Manufacturing 0.96%
Part of fund(s):- VanEck Semiconductor ETF
-
TS Tesla Inc 0.92%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 27.89%
Looking through the ETFs to their top holdings, Alphabet stands out with a total exposure of about 9.14%, combining an 8% direct position and smaller amounts via funds. Other major underlying names include NVIDIA, Apple, Microsoft, Broadcom, Amazon, Meta, Taiwan Semiconductor, and Tesla, mostly reached through the index and sector ETFs. Because only ETF top-10 holdings are captured, true overlap is likely somewhat higher than shown. This overlap means that even though you see six line items, a lot of risk is concentrated in a relatively small group of mega-cap technology and internet-related companies. That concentrated backbone has driven strong past returns but also ties the portfolio to the fortunes of those giants.
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.
The factor profile is very balanced across the main academic drivers of return: value, size, momentum, quality, yield, and low volatility all sit in the neutral, market-like range. Factor exposure refers to how much a portfolio leans into characteristics like “cheap vs. expensive” (value) or “steady vs. jumpy” (low volatility). Here, no single factor stands out as a strong tilt either toward or away from the market. That suggests the performance differences versus benchmarks have mainly come from sector, geography, and specific holdings rather than from heavy factor bets. This kind of even factor mix can help avoid the boom-and-bust cycles that sometimes hit more aggressively tilted factor strategies.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 45.00% 44.0% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 25.00% 21.1% -
VanEck Semiconductor ETF
Weight: 9.00% 13.7% -
Alphabet Inc Class C
Weight: 8.00% 9.5% -
Schwab U.S. Dividend Equity ETF
Weight: 8.00% 6.1% - Top 5 risk contribution 94.5%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its simple weight. The Vanguard US total-market ETF is 45% of the portfolio and contributes about 44% of the risk, very proportional. The international fund is 25% of weight but only 21% of risk, reflecting slightly lower volatility and diversification benefits. The semiconductor ETF is more striking: at 9% weight, it contributes nearly 14% of total risk, with a risk/weight ratio of 1.52. That means it punches above its size in driving fluctuations. Alphabet also adds more risk than its weight alone implies. Overall, the top three positions account for almost 79% of portfolio risk, highlighting where volatility really comes from.
Redundant positions
-
High correlationVanguard Total Stock Market Index Fund ETF SharesSchwab U.S. Large-Cap Growth ETF
Asset correlation looks at how holdings move relative to each other — whether they tend to go up and down together. Highly correlated assets provide less diversification because they often react the same way in stress scenarios. In this portfolio, the Schwab US Large-Cap Growth ETF and the Vanguard Total Stock Market ETF move almost identically. That’s expected, since they draw from overlapping groups of big US companies, especially growth names. The practical takeaway is that while these are two different tickers, they don’t add much independent behavior. Their presence still helps fine-tune exposure to growth themes, but when the US market, especially its large growth stocks, moves sharply, both of these funds will likely respond in very similar ways.
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 plots this portfolio against the “efficient frontier,” which shows the best possible return for each risk level using only the current holdings in different mixes. The current portfolio has an annualized return of about 16.81% with volatility of 18.43%, and a Sharpe ratio (a measure of return per unit of risk) of 0.7. The optimal mix of these same holdings would have a Sharpe of 1.1, while the minimum-variance mix has a Sharpe of 0.69. Because the current portfolio sits about 2.56 percentage points below the frontier at its risk level, the data suggests that, purely mathematically, a different weighting of these six positions could improve the overall risk/return balance without adding new assets.
Dividends
- Alphabet Inc Class C 0.20%
- Schwab U.S. Dividend Equity ETF 3.40%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- VanEck Semiconductor ETF 0.20%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.52%
The portfolio’s overall dividend yield is about 1.52%, which is modest for an all-equity mix. That average comes from a combination of a high-yield slice — the Schwab US Dividend Equity ETF at around 3.4% — and several lower-yield or near-zero-yield growth holdings like Alphabet, the semiconductor ETF, and the large-cap growth ETF. Dividends can be an important part of total return over time, especially when reinvested, but they’re just one component. Here, more of the historical performance has likely come from price appreciation rather than income. This setup reflects a bias toward companies that reinvest profits for growth, with one dedicated piece focused on steady cash payouts.
Ongoing product costs
- Schwab U.S. Dividend Equity ETF 0.06%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- VanEck Semiconductor ETF 0.35%
- 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) 0.06%
The portfolio’s costs are impressively low. The total expense ratio (TER) comes in around 0.06%, driven by ultra-low-cost core funds from Vanguard and Schwab. The only noticeably higher-cost piece is the semiconductor ETF at 0.35%, which is still within a typical range for more specialized sector funds. TER is the annual fee charged by funds, taken out of returns behind the scenes. Keeping this average so low helps more of the portfolio’s gross performance show up in your actual results, especially when compounded over many years. From a cost perspective, this structure aligns very well with best practices for long-term, index-heavy investing.
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