Growth focused equity portfolio with strong tech tilt and broadly diversified global exposure
Report created on Aug 16, 2026Risk profile
5/7
Diversification profile
4/5
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 30.00% -
CO Costco Wholesale Corp
COST - US22160K1051 10.00% -
GL SPDR® Gold Shares
GLD - US78463V1070 10.00% -
TS Taiwan Semiconductor Manufacturing
TSM - US8740391003 10.00% -
LT Lantronix Inc
LTRX - US5165482036 5.00%
This portfolio is built mostly from equities with a small allocation to gold. Around 75% sits in two broad ETFs covering US large-cap growth and international stocks, while the remaining quarter is in three individual companies plus a gold ETF. This mix blends low-cost diversified funds with higher-conviction single-stock picks. Structurally, that means a core-satellite style setup: the ETFs form a diversified core, and the stock positions and gold act as satellites that can move differently from the broad market. The result is a growth-leaning portfolio that still keeps a solid portion in wide market exposure rather than being entirely concentrated in a handful of names.
Growth
Historically, this portfolio has compounded at a 19.03% CAGR, or Compound Annual Growth Rate, versus 15.33% for the US market and 12.61% for the global market. CAGR is like average speed on a road trip: it smooths out the ups and downs into one annual number. A $1,000 investment grew to about $5,660 over the period, clearly ahead of both benchmarks. The worst peak-to-trough drop, or max drawdown, was about -34%, very similar to the benchmarks’ deepest falls. That combination of higher return with comparable drawdowns suggests the mix has been efficient historically, while still showing the kind of sharp declines typical for growth-focused equity portfolios.
Projection
The Monte Carlo projection models 1,000 different 15-year paths using the portfolio’s historical behavior. Monte Carlo is basically a “what if” engine: it shuffles many possible sequences of returns based on past volatility and averages the outcomes. Here, a $1,000 starting point has a median result of about $2,696, with a 73.4% chance of ending positive. The central band (p25–p75) runs from roughly $1,793 to $3,970, while the wider band (p5–p95) stretches from about $1,002 to $6,841. These numbers are not forecasts; they’re scenario ranges assuming history rhymes. Real-world returns can land outside these bands if markets behave differently.
Asset classes
- Stocks 90%
- Other 10%
By asset class, about 90% of this portfolio is in stocks and 10% is in “other,” which here is primarily gold. That profile is firmly growth-oriented because equities typically drive both return and risk over time. The modest gold slice introduces an alternative asset that has historically moved differently from stocks in some environments, offering a potential diversifier when equity markets are stressed. Compared with many broad market benchmarks that blend stocks and bonds, this mix is more equity-heavy, meaning less cushion from traditional defensive assets. The structure is consistent with a growth classification, where short-term swings are accepted in exchange for higher long-term return potential.
Sectors
- Technology 38%
- Consumer Staples 12%
- Financials 9%
- Industrials 7%
- Consumer Discretionary 6%
- Telecommunications 6%
- Health Care 5%
- Basic Materials 3%
- Energy 2%
- Utilities 1%
- Real Estate 1%
This breakdown covers the equity portion of your portfolio only.
Sector-wise, technology is the standout at 38%, with the rest spread across consumer staples, financials, industrials, consumer discretionary, telecom, health care, and smaller allocations elsewhere. Many broad global benchmarks also have a substantial tech allocation today, but this portfolio’s tech share is generally higher than world market levels. Tech-heavy portfolios often benefit in periods of innovation and lower interest rates, yet they can be more volatile when rates rise or when growth expectations reset. The presence of consumer staples and other non-cyclical sectors helps add some defensive balance, but the overall sector story is clearly tilted toward growth and innovation-driven areas.
Regions
- North America 52%
- Asia Emerging 14%
- Europe Developed 11%
- Asia Developed 6%
- Japan 5%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, about 52% of the portfolio is in North America, with meaningful exposure to emerging Asia, developed Europe, Japan, and smaller slices across other regions. This is closer to global market weights than a purely US-focused portfolio and aligns well with a “broadly diversified” description. Relative to many world indices, the US is still a bit dominant here, but not overwhelmingly so. The significant international share means returns are influenced by multiple economies and currencies rather than just one market. That multi-region spread can soften the impact of local shocks, though it also introduces foreign currency movements as an extra source of return variability.
Market capitalization
- Mega-cap 54%
- Large-cap 19%
- No data 10%
- Mid-cap 10%
- Small-cap 7%
This breakdown covers the equity portion of your portfolio only.
By market capitalization, the portfolio leans heavily toward mega-cap and large-cap companies, together around 73%. These are the biggest, often more established firms, which can offer stability and liquidity compared with smaller names. There is still exposure to mid- and small-caps, totaling about 17%, which adds some potential for higher growth and idiosyncratic moves. The “no data” bucket largely reflects holdings where precise size classification isn’t available, rather than a distinct style choice. Overall, this size mix looks similar to many broad equity benchmarks, where giant companies naturally dominate. That alignment helps the portfolio behave in a familiar, benchmark-like way despite a few concentrated stock positions.
True holdings
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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
-
AM Amazon.com Inc 1.79%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
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
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23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.27%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 40.23%
This breakdown covers the equity portion of your portfolio only.
Looking through the ETFs into underlying holdings, coverage of the portfolio is about 47.2%, so the picture is partial but still useful. The largest individual names visible are NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, and an additional Taiwan Semiconductor listing through ETFs. There’s currently no overlap between the direct positions (Costco, TSMC, Lantronix) and the top ETF holdings, so hidden concentration from duplication is limited among the largest names. However, it’s still possible that further down the ETF holdings lists there is some overlap that isn’t captured here. For now, the data suggests the main concentration risk comes from the deliberate single-stock allocations rather than unintentional index overlap.
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 in this portfolio is quite balanced. All six measured factors — value, size, momentum, quality, yield, and low volatility — sit in the neutral band, meaning they’re close to broad market averages. Factor investing focuses on these characteristics as long-term drivers of returns, like the “ingredients” that shape how stocks behave. A neutral profile implies the portfolio doesn’t strongly lean toward classic styles like deep value, high momentum, or high dividend yield. Instead, performance is likely to be driven more by overall market direction, sector tilts (especially toward tech), and specific stock choices rather than by systematic factor bets. That’s consistent with broad index exposure plus a few focused holdings.
Risk contribution
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Schwab U.S. Large-Cap Growth ETF
Weight: 35.00% 40.2% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 25.9% -
Taiwan Semiconductor Manufacturing
Weight: 10.00% 15.1% -
Lantronix Inc
Weight: 5.00% 9.3% -
Costco Wholesale Corp
Weight: 10.00% 7.1% - Top 5 risk contribution 97.6%
Risk contribution shows how much each holding adds to total portfolio volatility, which can differ from its weight. The US large-cap growth ETF is 35% of the portfolio but contributes about 40% of the risk. The international ETF is 30% of weight and about 26% of risk, so it’s relatively stabilizing. Taiwan Semiconductor at 10% weight drives roughly 15% of risk, and Lantronix at 5% weight accounts for about 9% of risk, making these two particularly punchy positions. Costco, in contrast, contributes less risk than its 10% weight. Overall, the top three holdings generate just over 81% of the portfolio’s total ups and downs, highlighting a meaningful concentration in a few drivers.
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 shows the current portfolio below the efficient frontier by about 5.41 percentage points at its risk level. The efficient frontier represents the best expected return for each level of risk using these same holdings in different weights. The current Sharpe ratio, a measure of risk-adjusted return, is 0.84, compared with 1.34 for the optimized mix and 1.03 for the minimum-variance version. That means, historically, a different weighting of the same positions could have delivered either higher return for similar risk or similar return for lower risk. The important nuance is this analysis stays within the existing lineup; it’s about rebalancing weights, not adding or removing holdings.
Dividends
- Costco Wholesale Corp 0.60%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Taiwan Semiconductor Manufacturing 0.70%
- Vanguard Total International Stock Index Fund ETF Shares 2.50%
- Weighted yield (per year) 1.02%
The portfolio’s overall dividend yield is about 1.02%, with the international ETF providing the highest yield among the listed holdings at 2.5%. A portfolio’s dividend yield is the annual cash payout as a percentage of its value, similar to rent from a property. This relatively low yield is consistent with a growth-tilted equity mix that emphasizes capital appreciation over income. Dividends still contribute a slice of total return, especially from the international side, but most of the historical gain here has likely come from price increases. For investors tracking cash flow, it’s useful to remember that dividend policies and yields can change over time and differ by region.
Ongoing product costs
- SPDR® Gold Shares 0.40%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.07%
The total weighted TER (Total Expense Ratio) for the ETFs is a very low 0.07%. TER is the annual fee charged by funds, taken out of returns behind the scenes. The two core equity ETFs have extremely low costs (0.04% and 0.05%), and even the gold ETF at 0.40% is moderate compared with many alternatives. This cost profile is impressively low and supportive of long-term compounding because less performance is lost to fees each year. For a growth-focused equity portfolio, keeping costs down is especially helpful since fees apply every year regardless of market direction. Here, the cost structure is a real strength and lines up well with best practices in low-cost index investing.
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