Growth junkie portfolio with a secret international safety net and a couple of drama queen stocks
Report created on Aug 16, 2026Risk profile
6/7
Diversification profile
3/5
Positions
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SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 35.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 35.00% -
AM Amazon.com Inc
AMZN - US0231351067 10.00% -
LT Lantronix Inc
LTRX - US5165482036 10.00% -
TS Tesla Inc
TSLA - US88160R1014 10.00%
This portfolio looks like someone started with two sensible broad ETFs and then rage-added three pet stocks at 10% each. Over a third in US large-cap growth, another third in total international, and then Amazon, Tesla, and Lantronix each sitting at 10% like they own the place. It’s basically a core-and-satellite setup where the satellites are allowed to bring fireworks and gasoline. Structurally, it’s aggressive but at least not totally chaotic: two diversified anchors plus three single-stock bets. The catch is that those three picks don’t diversify the portfolio; they just crank up the drama. It’s closer to a concentrated growth bet wearing a thin diversification costume.
Growth
Historically this thing absolutely flew: $1,000 turning into $6,164 with a 20.04% CAGR is “this can’t be normal” territory. Beating the US market by 4.69% per year and global by 7.38% is elite-level outperformance. But the bill shows up in the max drawdown: -56.19% versus roughly -34% for the markets. CAGR (compound annual growth rate) is like your average speed on a road trip; drawdown is how deep the pothole was when you hit it. This portfolio hit a crater, took 14 months to bottom, and then needed two full years to crawl back. Great upside, but it bleeds hard when the music stops.
Projection
The Monte Carlo simulation basically asks, “What if history rolls the dice a thousand different ways?” and then watches your $1,000 suffer or thrive. Median outcome at 15 years is $2,827, with a wide “likely” range from $1,881 to $4,045 and possible extremes from $972 to $7,290. Translation: a decent chance of solid growth but with outcomes all over the map. The average simulated return of 8.02% is way more boring than the backward-looking 20% party, which is the model’s polite way of saying, “Don’t get used to that.” Past data is like yesterday’s weather: useful, but it doesn’t promise sunshine tomorrow.
Asset classes
- Stocks 100%
Asset classes: 100% stocks, zero anything else. No bonds, no cash buffer, no real assets, no nothing. It’s the financial equivalent of going out without a jacket because the sun’s out “for now.” Being all-equity isn’t automatically reckless, but it absolutely guarantees that when markets dive, this portfolio doesn’t have a cushion; it just takes the full punch. Asset classes are your shock absorbers — mixing them usually smooths the ride. Here, there’s no smoothing, just one big bet that growth and equities stay friendly. When it works, it’s great. When it doesn’t, the drawdowns look exactly like that -56% faceplant.
Sectors
- Technology 34%
- Consumer Discretionary 26%
- Financials 11%
- Industrials 8%
- Telecommunications 6%
- Health Care 6%
- Basic Materials 3%
- Consumer Staples 2%
- Energy 2%
- Utilities 1%
- Real Estate 1%
Sector-wise, this is clearly a growth and tech-adjacent addict: 34% in Technology and 26% in Consumer Discretionary puts over half the portfolio in “stuff that does amazingly well until it doesn’t.” Financials, Industrials, and the rest are background extras, just there so the pie chart doesn’t look too embarrassing. Compared with broad indexes, this is a tilt toward sexy narrative sectors over boring cash generators. Sector exposure is like your diet: this one’s heavy on energy drinks and light on vegetables. It can power insane sprints, but when those top sectors fall out of favor, there’s not much ballast to keep the overall portfolio from wobbling.
Regions
- North America 68%
- Europe Developed 12%
- Asia Developed 7%
- Japan 5%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, this looks more world-aware than it first appears: 68% in North America but a non-trivial 32% sprinkled across Europe, Asia, Japan, and the rest. For a US-based, growth-heavy portfolio, that’s actually…reasonable. North America still dominates, but at least the portfolio acknowledges that other stock markets exist and occasionally matter. Geography is about where your economic bets live — and here, the bet is still heavily tied to US fortunes, especially through those US megacap names and single-stock picks. But compared to the usual “America or bust,” this is more like “America first, everyone else can have some scraps.”
Market capitalization
- Mega-cap 56%
- Large-cap 20%
- Small-cap 12%
- Mid-cap 10%
Market cap exposure is very top-heavy: 56% in mega-cap, 20% in large-cap, with mid and small caps making up the scraps. So despite that “aggressive” label and the stock-picking flair, this is still mostly a giant-company popularity contest. Big names drive the show; the 12% in small-caps and 10% mid-caps are just there to make it look spicy. Market cap tilts matter because megacaps often behave like one giant trade — when they sell off, they tend to do it together. So even with that sprinkling of smaller names, this is still a “bet on the giants and hope the giants stay friendly” setup.
True holdings
-
Part of fund(s):
- Schwab U.S. Large-Cap Growth ETF
-
-
-
NV NVIDIA Corporation 3.79%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AA Apple Inc. 3.12%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
MS Microsoft Corporation 2.56%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.48%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.41%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AV Broadcom Inc 1.29%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class C 1.13%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Top 10 total 46.57%
The look-through view shows the hidden joke: Amazon shows up at 11.79% total — 10% directly plus more via ETFs. That’s not a tilt; that’s a crush. Then you’ve got Tesla and Lantronix each at 10% as single stocks, while NVIDIA, Apple, Microsoft, TSMC, Alphabet, and Broadcom pile in via the ETFs. Overlap is only measured using ETF top 10, so reality is probably worse. The result is heavy concentration in a tight cluster of the same global megacap growth names, just accessed in slightly different costumes. It looks like diversification on the surface but the underlying engines are very similar.
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.
Factor exposure comes back hilariously neutral across the board: value, size, momentum, quality, low volatility, yield — all basically close to market-like. Factors are the hidden ingredients that explain performance (cheap vs expensive, stable vs wild, etc.), and here the mix is surprisingly bland for such a dramatic portfolio. It’s like ordering the spiciest thing on the menu and getting medium. The single-stock drama doesn’t show up as a big factor tilt; it just shows up as higher idiosyncratic risk. The factor profile says the portfolio behaves roughly like a generic growth-leaning world equity mix — just with the volume turned way up on a few names.
Risk contribution
-
Schwab U.S. Large-Cap Growth ETF
Weight: 35.00% 31.3% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 35.00% 22.1% -
Tesla Inc
Weight: 10.00% 18.5% -
Lantronix Inc
Weight: 10.00% 17.4% -
Amazon.com Inc
Weight: 10.00% 10.7%
Risk contribution is where the mask really slips. Tesla at 10% weight contributes 18.51% of total risk, and Lantronix at 10% adds 17.40%. That’s almost 36% of portfolio risk from just 20% of capital. Amazon at 10% contributes around 10.74%, which is still punching above its weight. Meanwhile, each diversified ETF at 35% weight contributes less risk than its share — they’re the adults in the room. Risk contribution is about who’s actually rocking the boat, not who looks big on the statement. Here, the three stock picks are the chaos agents, dragging the overall ride from “aggressive” into “hope you like whiplash.”
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 actually sits right on or very near the efficient frontier, which is mildly annoying because for all its drama it’s technically “efficient.” The Sharpe ratio (return per unit of risk) is 0.8, while the max-Sharpe version using the same holdings hits 0.99 but with a wild 33% volatility. So yes, wringing more return out of this basket is possible, but only by turning the chaos dial even higher. The minimum variance setup drops risk to 17.05% with a Sharpe of 0.57 — boring but calmer. For its chosen risk level, the current mix is surprisingly competent, even if it’s not exactly graceful.
Dividends
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard Total International Stock Index Fund ETF Shares 2.50%
- Weighted yield (per year) 1.02%
Dividend yield is a very underwhelming 1.02% overall, dragged up mostly by the international ETF’s 2.5% and absolutely sabotaged by the 0.4% from US growth and the three low-yield growth darlings. This is not a portfolio that expects to get paid along the way; it’s one that hopes capital gains will save the day. Dividends are like getting snacks while you wait, and this setup is basically “no food, just vibes.” That’s fine if total return is the only focus, but it does mean that in ugly years, there’s not much incoming cash to soothe the pain while prices misbehave.
Ongoing product costs
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.03%
Costs are suspiciously good. A total TER of about 0.03% is basically free by ETF standards — like accidentally finding out you’ve been flying economy for the price of a bus ticket. The Schwab and Vanguard ETFs are both ultra-cheap, so at least the part of the portfolio that’s diversified isn’t also draining money quietly every year. Management fees are one of the few things you can control, and here they’re impressively tame. Of course, the real “cost” in this portfolio isn’t fees; it’s the volatility and single-stock risk. Still, on pricing alone, this is one of the least roastable parts of the whole setup.
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