Growth tilted US focused portfolio with strong value factor and moderate diversification across styles

Report created on Apr 15, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is almost entirely in equities, with about 93% in stock ETFs and roughly 7% in gold. Most of the equity risk comes from broad US funds, complemented by dividend growth, momentum, small‑cap value, and international exposure. This mix leans clearly toward growth and capital appreciation rather than capital preservation. Having a small allocation to gold adds a distinct “store of value” component that behaves differently from stocks. Overall, the structure is coherent for a growth investor: broad core building blocks at the center, plus a few targeted “satellite” tilts around them. The main practical takeaway is that day‑to‑day performance will be driven primarily by stock markets, especially the US.

Growth Info

Historically, $1,000 grew to about $2,402 over the period, giving a compound annual growth rate (CAGR) of 14.4%. CAGR is like your average yearly “speed” over the whole trip. This slightly lagged the US market benchmark but beat the global market by a meaningful margin. Max drawdown, the worst peak‑to‑trough drop, was about -33%, very similar to both benchmarks during early 2020. Recovery took around five months, which is fairly quick for that kind of shock. The pattern supports the idea that this is a true growth portfolio: strong upside over time but with sharp, equity‑like setbacks that require staying invested through volatility.

Projection Info

The Monte Carlo projection simulates many possible 15‑year paths using historical return and volatility patterns, then shows the range of outcomes. Think of it as repeatedly “rolling the dice” on future markets based on what past data looked like. The median result grows $1,000 to around $2,667, with a wide but reasonable range: roughly $1,743–$4,032 for the middle half of scenarios. There’s about a 73% chance of ending above the starting amount. These numbers are not promises; they simply summarize what could happen if markets behave somewhat like history. The key takeaway is that outcomes cluster positively, but the spread is wide enough that patience and a long horizon really matter.

Asset classes Info

  • Stocks
    93%
  • Other
    7%

Asset‑class wise, this is very much an equity portfolio with a small diversifier. Having about 93% in stocks means returns will largely follow global stock markets, with their higher return potential and higher volatility. The roughly 7% allocation to gold sits in the “other” bucket and adds a non‑equity component that may help during certain crises or inflationary spikes. Compared with a classic balanced portfolio that includes bonds, this setup is more aggressive and more sensitive to market swings. For someone prioritizing long‑term growth over short‑term stability, this tilt toward equities is consistent, but it does mean large drawdowns are an inherent feature, not a bug.

Sectors Info

  • Technology
    22%
  • Financials
    15%
  • Industrials
    14%
  • Health Care
    10%
  • Consumer Discretionary
    8%
  • Consumer Staples
    6%
  • Telecommunications
    5%
  • Energy
    5%
  • Basic Materials
    4%
  • Utilities
    3%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is broad and well spread: technology leads but does not dominate, with financials and industrials also significant contributors. Health care, consumer‑related areas, telecom, energy, materials, utilities, and real estate all have meaningful slices. This pattern lines up reasonably well with broad market benchmarks, which is a positive sign for diversification. It also means the portfolio isn’t making a single big sector bet that could make or break performance. Tech’s prominence can still add sensitivity to interest rates and innovation cycles, but not to an extreme degree. Overall, the sector mix is a strength: it supports smoother participation across different parts of the economy over time.

Regions Info

  • North America
    80%
  • Europe Developed
    6%
  • Japan
    2%
  • Asia Developed
    2%
  • Asia Emerging
    2%
  • Latin America
    1%
  • Australasia
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 80% sits in North America, with the rest spread across Europe, Japan, other developed Asia, emerging Asia, Latin America, and Australasia. This is more US‑heavy than a typical global market index, which usually has closer to 60% in the US. That tilt has helped in the last decade when US markets outperformed many others, but it also concentrates economic and currency exposure in one region. The international sleeve is still sizeable enough to benefit if non‑US markets have their own strong cycles. The main implication: long‑term results will track US fortunes more than global averages, which may be attractive if you believe in continued US leadership but does reduce geographic diversification.

Market capitalization Info

  • Mega-cap
    31%
  • Large-cap
    29%
  • Mid-cap
    19%
  • Small-cap
    10%
  • Micro-cap
    4%

This breakdown covers the equity portion of your portfolio only.

Market‑cap exposure is nicely tiered: strong allocations to mega and large caps, plus meaningful mid‑cap, small‑cap, and even some micro‑cap exposure. Large and mega caps tend to be more stable, widely followed companies that anchor the portfolio, while smaller firms add more growth potential and volatility. Having about a third of the portfolio in mid/small/micro caps brings extra diversification and a chance to capture size and value effects, but it can increase swings during market stress. Relative to many plain‑vanilla index portfolios, this structure is a bit more adventurous in the lower‑cap space, which aligns with a growth mindset while still keeping a solid large‑cap core.

True holdings Info

  • Apple Inc
    3.31%
    Part of fund(s):
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
  • NVIDIA Corporation
    2.70%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    2.61%
    Part of fund(s):
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
  • Broadcom Inc
    2.05%
    Part of fund(s):
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
  • Amazon.com Inc
    1.30%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    1.16%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    0.92%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    0.91%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • JPMorgan Chase & Co
    0.77%
    Part of fund(s):
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
  • Tesla Inc
    0.73%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 16.46%

This breakdown covers the equity portion of your portfolio only.

Looking through ETF top holdings, the largest underlying names are familiar US mega‑cap giants like Apple, Nvidia, Microsoft, Broadcom, Amazon, Alphabet, Meta, JPMorgan, and Tesla. These together only account for a relatively modest slice of the total portfolio, so single‑stock risk is not extreme. However, several of these companies appear in multiple ETFs, which quietly boosts their influence. Overlap is likely higher than shown because we only see ETF top‑10s. The useful lesson here is that even when investing via diversified funds, the same big names can dominate in the background, so portfolio behavior will still be tied closely to how these leading companies perform.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 93%
Size
Exposure to smaller companies
Neutral
Data availability: 93%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 93%
Quality
Preference for financially healthy companies
Neutral
Data availability: 93%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

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 shows a clear mild tilt toward value, with value at 60% versus a neutral 50% baseline. Factors are like “personality traits” of investments—value, size, momentum, quality, low volatility, and yield capture patterns that have historically driven returns. A value tilt means favoring stocks that look cheaper relative to fundamentals, which can lag during hot growth markets but often shines when sentiment cools or rates rise. Other factors are basically neutral, so the portfolio behaves broadly like the market on momentum, quality, yield, and volatility. The upshot: you get market‑like behavior overall, with an extra nudge toward value names that may pay off over long cycles but can go through dry spells.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 20.00%
    22.0%
  • Vanguard S&P 500 ETF
    Weight: 20.00%
    21.4%
  • Vanguard Dividend Appreciation Index Fund ETF Shares
    Weight: 13.33%
    12.4%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 13.33%
    12.3%
  • Invesco S&P MidCap Momentum ETF
    Weight: 10.00%
    12.0%
  • Top 5 risk contribution 80.1%

Risk contribution shows how much each holding drives overall ups and downs, which can differ from its simple weight. The two big US core funds each contribute slightly more risk than their 20% weights, while the total market ETF is the single largest risk driver at about 22%. The mid‑cap momentum fund also “punches above its weight,” with a 10% allocation delivering around 12% of total risk. This concentration is still reasonable, but it highlights that volatility is mainly coming from broad US exposure and the momentum sleeve. Periodic rebalancing can help keep any one ETF from drifting into an outsized risk role if its volatility or weight increases over time.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    Vanguard Dividend Appreciation Index Fund ETF Shares
    iShares Core Dividend Growth ETF
    High correlation

Correlation measures how closely different holdings move together. When two ETFs are highly correlated, they tend to go up and down at the same time, reducing diversification benefits. In this portfolio, the broad US funds and the dividend growth ETF are extremely tightly linked, which is expected since they all draw from similar universes of large US companies. This isn’t “bad” but means that, in a US market downturn, several of your biggest pieces are likely to fall together. The parts that may zig when others zag are the international stocks, small‑cap value, gold, and to a lesser extent mid‑caps—these are the areas that add true diversification beyond the US large‑cap core.

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‑return chart shows that the current mix sits below the efficient frontier. The efficient frontier is the set of best possible return‑for‑risk combinations using your existing holdings at different weights. The current Sharpe ratio, a measure of risk‑adjusted return, is 0.62, while the optimal mix of these same ETFs could reach about 1.21 with higher return and lower volatility. This doesn’t mean the portfolio is “bad,” but it does say the ingredients are capable of a smoother ride if arranged differently. The key insight: without adding anything new, simply reweighting the existing ETFs could potentially improve the balance between risk and return based on historical relationships.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.30%
  • iShares Core Dividend Growth ETF 2.00%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 1.50%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Invesco S&P MidCap Momentum ETF 0.70%
  • Weighted yield (per year) 1.37%

The overall dividend yield of about 1.37% is modest, consistent with a growth‑oriented equity portfolio. Dividend yield is the annual cash payout as a percentage of price, like interest on a savings account but paid by companies. Some holdings, such as the international fund and the dedicated dividend growth ETFs, provide higher income, while momentum and some value segments pay less or reinvest more. For someone focused mainly on long‑term growth rather than high current income, this balance makes sense. Dividends still matter, though: they contribute a steady component of total return and can help buffer returns slightly during flat or choppy markets, even if they’re not the main story here.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares Core Dividend Growth ETF 0.08%
  • abrdn Physical Gold Shares ETF 0.17%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 0.06%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.10%

Costs are a real strength. The total expense ratio (TER) is around 0.10%, which is impressively low for a portfolio with both broad market funds and more specialized exposures. TER is the annual fee charged by a fund, taken out of returns behind the scenes. Keeping this number small leaves more of the market’s return in your pocket year after year. Over long horizons, even a difference of a few tenths of a percent can compound into a meaningful amount. Here, the use of low‑fee core ETFs, alongside only a couple of slightly pricier satellite funds, creates an efficient structure that strongly supports good long‑term performance.

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