A balanced mostly equity portfolio blending quality dividends broad indexing and momentum tilts

Report created on Jan 28, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

The portfolio is made up almost entirely of stock ETFs, split across broad market, dividend, growth, and momentum styles. With six positions sized fairly evenly, it avoids big single-fund bets and looks well-structured for a Profile_Balanced risk level, though it’s on the growthier side because stocks dominate. Compared with typical blended benchmarks that mix stocks and bonds, this setup leans more toward growth and volatility. This allocation is well-balanced and aligns closely with global standards for a high-equity mix. To fine-tune balance, you could consider whether you want this much reliance on stocks alone or prefer introducing a small stabilizing sleeve outside equities.

Growth Info

Using a simple example, if 10,000 dollars had been invested historically in this mix, the 16.93 percent CAGR (Compound Annual Growth Rate) suggests it would have grown very quickly compared with many balanced benchmarks. CAGR is like your “average speed” over the whole trip, smoothing out bumps along the way. The max drawdown of about minus 33 percent shows that in bad markets the value can fall sharply, in line with a high-equity profile. Past performance is impressive and signals a strong growth tilt, but it can’t predict future returns. It’s worth asking if you’re emotionally and financially comfortable with similar past-level swings.

Projection Info

The Monte Carlo analysis, which runs 1,000 “what if” simulations using patterns from historical data, shows a very wide range of possible future outcomes. At the median (50th percentile), the portfolio grows several times over; even the 5th percentile ends above the starting value, and 998 of 1,000 runs show gains. Monte Carlo is like rerunning history with the order and size of returns shuffled to see many possible futures. The 18.84 percent average simulated return is extremely strong but should be treated cautiously, as simulations lean heavily on the past. It’s useful as a rough guide, not a promise, when thinking about future savings needs and withdrawal plans.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Asset allocation is almost pure stock at 99 percent, with just 1 percent in cash and nothing meaningful in bonds or alternatives. For a “balanced” risk label, this is more like an equity-focused growth portfolio than a classic 60/40 style mix. All-stock portfolios typically deliver higher long-term return potential but also steeper ups and downs and deeper drawdowns in market crises. This allocation is well-balanced and aligns closely with global standards for equity diversification, but it doesn’t balance across asset classes. If smoother ride and capital preservation matter, layering in some defensive or income-oriented assets outside this current lineup could help temper volatility over full market cycles.

Sectors Info

  • Technology
    23%
  • Financials
    19%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Telecommunications
    9%
  • Health Care
    9%
  • Consumer Staples
    7%
  • Energy
    6%
  • Basic Materials
    3%
  • Utilities
    3%
  • Real Estate
    1%

Sector exposure is nicely spread out, with meaningful weights across technology, financials, industrials, consumer areas, healthcare, energy, and more. Technology at 23 percent and financial services at 19 percent are the biggest slices, broadly in line with many major benchmarks, which is a strong indicator of diversification. Tech- and growth-leaning sectors can boost returns in strong economies and low-rate environments but may swing more when rates rise or sentiment shifts. Dividend and value tilts help offset some of that by adding exposure to traditionally steadier, cash-generating businesses. It’s useful to periodically check whether you’re comfortable with this growth tilt or if you’d prefer a bit more emphasis on traditionally defensive areas during late-cycle or choppy markets.

Regions Info

  • North America
    69%
  • Europe Developed
    14%
  • Japan
    5%
  • Asia Emerging
    4%
  • Asia Developed
    4%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, about 69 percent is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and emerging markets. That pattern is very close to common global equity benchmarks, meaning the regional diversification is strong and globally aware. A North America tilt has been a tailwind over the past decade, thanks largely to big U.S. growth and tech names. The international slice, including high-dividend holdings, adds diversification and exposure to different economic cycles and currencies. Since region leadership rotates over time, this global mix helps avoid being overexposed to a single economy. It’s worth checking whether your comfort level with currency swings and foreign market headlines matches this meaningful overseas allocation.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    37%
  • Mid-cap
    18%
  • Small-cap
    3%
  • Micro-cap
    1%

Market cap exposure is dominated by mega and big companies, with smaller allocations to mid, small, and micro caps. This mirrors many broad market benchmarks and supports stability, since large firms tend to be more established, diversified businesses. The smaller slice in mid/small caps adds some extra growth potential and diversification, but not so much that it drastically changes the portfolio’s risk profile. This structure helps keep trading spreads and volatility manageable. If you ever want additional long-term growth potential (and can handle more bumps), slightly more in mid/small caps could be considered; if you prefer a calmer ride, the current large-cap tilt already leans toward stability without sacrificing broad market exposure.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Schwab U.S. Large-Cap Growth ETF
    High correlation
  • Vanguard International High Dividend Yield Index Fund ETF Shares
    Vanguard Total International Stock Index Fund ETF Shares
    High correlation

The portfolio includes some overlapping exposure: the broad U.S. market ETF and the U.S. large-cap growth ETF move very similarly, and the two international dividend and total-market ETFs also show high correlation. Correlation is a measure of how often assets move in the same direction; when it’s high, you’re not getting much extra diversification from holding both. In downturns, highly correlated funds tend to fall together, limiting the usual benefit of mixing assets. Your portfolio’s sector composition matches benchmark data, which is a strong indicator of diversification, but simplifying overlapping funds could maintain similar exposure with less complexity. Trimming duplication can make it easier to monitor risk and rebalance over time.

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.

Risk versus return here can be thought of through the Efficient Frontier, which is the set of portfolios that offer the best possible trade-off between risk (volatility) and return for a given mix of assets. Efficiency in this sense doesn’t mean “most diversified overall”; it specifically means getting the highest expected return for each unit of risk using only the funds you already hold, just in different weights. Because several positions are highly correlated, there may be a way to simplify while keeping the same broad exposures. Before any optimization, focusing on reducing overlapping holdings can clarify how each ETF contributes, then you can fine-tune weights along the Efficient Frontier to match your comfort with ups and downs.

Dividends Info

  • Schwab U.S. Dividend Equity ETF 3.60%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Invesco S&P 500® Momentum ETF 0.70%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 3.50%
  • Weighted yield (per year) 2.08%

The overall dividend yield of around 2.08 percent comes from a blend of high-yield dividend ETFs and lower-yield growth and momentum ETFs. That’s a reasonable middle ground: you’re getting some regular cash payments while still emphasizing companies that reinvest profits for growth. Dividends can be especially helpful for those who like a modest income stream or who reinvest payouts to buy more shares over time, harnessing compounding. This allocation is well-balanced and aligns closely with global standards for an equity income-growth mix. It’s good to think about whether you want to maximize current income or future growth; right now, the tilt looks slightly more growth-focused with a solid, but not extreme, dividend component.

Ongoing product costs Info

  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
  • Weighted costs total (per year) 0.09%

The total expense ratio around 0.09 percent is impressively low, especially for a portfolio with both factor tilts and global exposure. Costs are one of the few things investors can control directly: every dollar not paid in fees stays working for you and compounds over time. Compared with many actively managed options, this fee level supports better long-term performance and aligns well with best practices in low-cost investing. The costs are impressively low, supporting better long-term performance without giving up diversification. Periodically checking if any higher-cost position is still earning its keep, in terms of unique exposure or performance role, can help keep the overall expense drag minimal as your situation evolves.

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