Concentrated dividend tilted equity portfolio with strong quality bias and moderate global diversification

Report created on May 11, 2026

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is dominated by a single stock position in Procter & Gamble at almost 30%, with the rest spread across broad equity ETFs, a handful of active mutual funds, several individual stocks, a small bond sleeve, cash‑like Treasuries, and a tiny crypto allocation. That mix makes it clearly equity‑led, with one core consumer staples company acting as the anchor. Structurally, it blends low‑cost index funds with a few higher‑fee active funds and some hand‑picked stocks. This kind of setup can create a balance between broad market exposure and specific convictions. The standout feature is the large single‑company stake, which shapes both the behaviour and risk profile more than any other holding.

Growth Info

Over the period shown, $1,000 grew to about $1,399, implying a compound annual growth rate (CAGR) of 15.71%. CAGR is like your average speed on a long road trip, smoothing out the bumps. The portfolio’s return lagged both the US and global market benchmarks by a little over 5 percentage points per year, but did so with a smaller maximum drawdown of -12.66% versus deeper dips for the benchmarks. That means it fell less in its worst stretch but also captured less of the upside. Only 18 days generated 90% of returns, underlining how a few strong days can drive overall results and why missing them can matter a lot.

Projection Info

The Monte Carlo projection uses 1,000 simulated paths, based on historical behaviour, to estimate a range of possible 15‑year outcomes for a $1,000 investment. Think of it as running the same future many times with slightly different return sequences. The median outcome of about $2,722 equates to an annualised return near 7.8%, with a wide “likely” band from roughly $1,868 to $4,053. A 76.1% chance of ending above today’s value suggests a positive skew, but the lower end of the range ($1,037 at the 5th percentile) shows that flat or very modest outcomes remain possible. As always, simulations rely on past data, which may not capture future shocks or regime changes.

Asset classes Info

  • Stocks
    92%
  • Cash
    5%
  • Bonds
    3%

Asset‑class wise, about 92% is in stocks, 3% in bonds, and 5% in cash‑like holdings. That mix is heavily equity‑oriented even though the overall risk score is labelled cautious, and it naturally ties portfolio outcomes closely to stock market moves. Bonds and cash provide only a modest buffer here, so they help around the edges but don’t fundamentally reshape risk. Compared with a traditional “cautious” mix that might lean much more on bonds, this structure is closer to a growth allocation with a small stabiliser sleeve. The upside is more participation in equity gains; the flip side is that large equity drawdowns would flow through more directly.

Sectors Info

  • Consumer Staples
    33%
  • Technology
    14%
  • Industrials
    11%
  • Health Care
    8%
  • Financials
    7%
  • Energy
    6%
  • Cash
    5%
  • Consumer Discretionary
    4%
  • Telecommunications
    4%
  • Basic Materials
    2%
  • Utilities
    1%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is led by consumer staples at about a third of the portfolio, largely driven by Procter & Gamble, with technology, industrials, health care, and financials making up most of the rest. That consumer staples tilt typically adds defensiveness, as these companies often show steadier earnings through economic cycles. Technology, at around 14%, plus some targeted software and Nasdaq exposure, introduces growth‑oriented components that can be more sensitive to interest rates and sentiment. Compared with many broad benchmarks that lean more on technology, this portfolio is more anchored in traditionally defensive, dividend‑friendly areas. That mix can soften some market shocks but may lag in very strong growth or tech‑led rallies.

Regions Info

  • North America
    72%
  • Europe Developed
    11%
  • Cash
    5%
  • Japan
    3%
  • Asia Developed
    2%
  • Asia Emerging
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 72% of the equity exposure is in North America, with Europe Developed at 11% and the rest spread across Japan, other developed Asia, emerging Asia, and smaller slices of Australasia and Africa/Middle East. This is a clear home‑region tilt, but not an extreme one, and it aligns reasonably well with many global allocation norms that favour US‑listed companies. The presence of dedicated international and Europe index funds broadens the opportunity set beyond the domestic market, which can help when leadership rotates between regions. At the same time, currency and economic risk are still primarily tied to the US, since that’s where most of the underlying companies and cash flows sit.

Market capitalization Info

  • Mega-cap
    57%
  • Large-cap
    22%
  • Mid-cap
    9%
  • Small-cap
    2%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

By market capitalisation, the portfolio is anchored in mega‑caps (57%) and large‑caps (22%), with smaller allocations to mid‑caps, small‑caps, and micro‑caps. Mega‑ and large‑cap companies tend to be more established, with deeper liquidity and generally more stable earnings, which often translates into lower volatility compared with very small companies. The modest exposure to mid and small names adds some growth potential and idiosyncratic behaviour without dominating the risk profile. This large‑company bias fits well with the cautious risk label and supports the portfolio’s higher quality and low‑volatility characteristics. It also means that performance will often resemble broad large‑cap indices more than small‑cap or niche segments.

True holdings Info

  • Procter & Gamble Company
    29.77%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
    Direct holding 29.73%
  • Raytheon Technologies Corp
    2.80%
  • Exxon Mobil Corp
    1.92%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    Direct holding 1.90%
  • United Parcel Service Inc
    1.80%
  • NVIDIA Corporation
    1.73%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    1.45%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    1.09%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Expanded Tech-Software Sector ETF
  • Chevron Corp
    0.74%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
    Direct holding 0.70%
  • Amazon.com Inc
    0.69%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Vanguard Bond Index Funds - Vanguard Total Bond Market ETF
    0.67%
    Part of fund(s):
    • Vanguard Total World Bond ETF
  • Top 10 total 42.66%

This breakdown covers the equity portion of your portfolio only.

Looking through the top ETF holdings, Procter & Gamble shows up both directly and indirectly, taking its total exposure to about 29.8%, with a tiny slice coming via funds. There are also overlapping stakes in Exxon Mobil and Chevron between direct shares and ETFs, though at much smaller combined weights. Big index funds add diversified exposure to names like NVIDIA, Apple, Microsoft, and Amazon, which appear only through funds, not as single‑stock bets. Because only ETF top‑10 holdings are captured, overlap is likely understated, especially for broad index products. Still, the main hidden concentration risk is clearly the very large PG position, as most other overlaps are small relative to the whole portfolio.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 89%
Size
Exposure to smaller companies
Low
Data availability: 91%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 89%
Quality
Preference for financially healthy companies
High
Data availability: 89%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 99%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 92%

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 strong tilts toward quality (68%) and low volatility (72%), with value, momentum, and yield all near neutral. Factors are simply characteristics that help explain how investments behave, such as stable earnings (quality) or smoother price paths (low volatility). A high quality tilt suggests the portfolio holds many companies with resilient balance sheets and consistent profitability. The low‑volatility tilt fits with the emphasis on staples, large caps, and some defensive funds, and can result in smaller swings than the wider market during rough patches. Neutral value and yield readings indicate no major bias toward cheap stocks or high dividends beyond what broad markets already offer.

Risk contribution Info

  • Procter & Gamble Company
    Weight: 29.73%
    28.5%
  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 15.12%
    18.2%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 8.91%
    10.0%
  • Vanguard FTSE All-World ex-US Index Fund ETF Shares
    Weight: 6.51%
    7.4%
  • Vanguard FTSE Europe Index Fund ETF Shares
    Weight: 4.81%
    5.5%
  • Top 5 risk contribution 69.5%

Risk contribution measures how much each holding drives the portfolio’s overall ups and downs, which can differ from its simple weight. Procter & Gamble is about 29.7% of capital and contributes 28.5% of risk, so its volatility is roughly in line with its size. The total US stock market ETF, at 15.1% weight, contributes 18.2% of risk, meaning it punches slightly above its weight, likely due to its broad equity exposure. The top three positions together account for 56.7% of portfolio risk, highlighting a meaningful concentration in a few core holdings. In practice, this means those big positions largely determine how the portfolio behaves during major market moves.

Redundant positions Info

  • Vanguard Total World Bond ETF
    Vanguard Total Bond Market Index Fund ETF Shares
    High correlation
  • Vanguard Total Stock Market Index Fund ETF Shares
    Fidelity® MSCI Information Technology Index ETF
    Invesco NASDAQ 100 ETF
    Vanguard S&P 500 ETF
    High correlation
  • Vanguard Total International Stock Index Fund ETF Shares
    Vanguard FTSE All-World ex-US Index Fund ETF Shares
    High correlation

Highly correlated assets in this portfolio tend to be different wrappers on similar underlying markets. For example, the US total market ETF and S&P 500 ETF move very closely together, as do the technology ETF and Nasdaq‑100 ETF. International equity funds also show strong correlation with each other. Bond ETFs, unsurprisingly, are tightly linked as well. Correlation measures how often and how strongly assets move in the same direction; when it’s high, diversification benefits are limited during sharp market swings. The correlations here are typical of a portfolio using overlapping broad index funds. Diversification mainly comes from mixing equities with bonds and cash, rather than from uncorrelated equity bets.

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 plots the current portfolio alongside an efficient frontier built from the existing holdings. The current mix has a Sharpe ratio of 0.99, while the optimal and minimum‑variance portfolios (using only the same components) show far higher risk‑adjusted figures at much lower risk levels. The current point sits about 12.9 percentage points below the frontier at its risk level, meaning the same ingredients could, in theory, be combined in ways that deliver similar or better returns for less volatility. Efficient frontier analyses are based on historical relationships, so they’re not a promise, but they do suggest this portfolio is tilted more toward return‑seeking than pure efficiency.

Dividends Info

  • Vanguard Total Bond Market Index Fund ETF Shares 3.90%
  • Vanguard Total World Bond ETF 4.20%
  • Cameco Corp 0.10%
  • CVS Health Corp 2.90%
  • Chevron Corp 3.80%
  • Fidelity® MSCI Information Technology Index ETF 0.40%
  • Procter & Gamble Company 2.20%
  • Invesco NASDAQ 100 ETF 0.40%
  • Raytheon Technologies Corp 1.50%
  • Schwab U.S. Dividend Equity ETF 3.30%
  • iShares 0-3 Month Treasury Bond ETF 3.90%
  • The J. M. Smucker Company 4.40%
  • ALGER SPECTRA FUND ALGER SPECTRA FUND CLASS A 7.00%
  • SPDR Portfolio High Yield Bond 7.30%
  • Invesco S&P 500® Momentum ETF 0.70%
  • United Parcel Service Inc 6.50%
  • Vanguard FTSE All-World ex-US Index Fund ETF Shares 2.60%
  • Vanguard FTSE Europe Index Fund ETF Shares 2.80%
  • Valero Energy Corporation 1.90%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.00%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Exxon Mobil Corp 2.80%
  • Weighted yield (per year) 2.22%

The overall estimated dividend yield is about 2.22%, combining payouts from individual stocks, bond ETFs, and dividend‑oriented funds. Several holdings stand out with higher yields, such as UPS, certain bond and income funds, and classic dividend payers like Chevron, Smucker, and Procter & Gamble. Dividend yield is simply the annual cash paid out divided by current price, and it can meaningfully contribute to total return, especially if reinvested. In this portfolio, income is a noticeable but not dominant feature; it complements the growth driven by equities rather than defining the whole strategy. Yield levels can also fluctuate over time as prices move and companies adjust payments.

Ongoing product costs Info

  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • Vanguard Total World Bond ETF 0.05%
  • CLEARBRIDGE TACTICAL DIVIDEND INCOME FUND CLASS A 1.36%
  • DELAWARE HEALTHCARE FUND CLASS A 1.21%
  • Fidelity® MSCI Information Technology Index ETF 0.08%
  • iShares Bitcoin Trust 0.12%
  • iShares Expanded Tech-Software Sector ETF 0.41%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • iShares 0-3 Month Treasury Bond ETF 0.07%
  • ALGER SPECTRA FUND ALGER SPECTRA FUND CLASS A 1.53%
  • SPDR Portfolio High Yield Bond 0.05%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard FTSE All-World ex-US Index Fund ETF Shares 0.07%
  • Vanguard FTSE Europe 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%
  • Weighted costs total (per year) 0.15%

The portfolio’s weighted total expense ratio (TER) is around 0.15%, which is impressively low given the mix of index ETFs and higher‑fee active funds. Many core holdings, especially the large Vanguard and Schwab ETFs, charge only 0.03%–0.08% per year, helping to keep ongoing costs down. A few active mutual funds have TERs above 1%, but they occupy relatively small weights, so they don’t dominate overall expenses. TER is like an annual subscription fee baked into each fund’s price; lower costs leave more of any return in the portfolio over time. From a structural standpoint, this cost profile is a strong positive and supports better compounding over the long run.

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