Balanced global equity blend with modest bonds and broadly diversified factor neutral tilts
Report created on Sep 26, 2026Risk profile
4/7
Diversification profile
4/5
Positions
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SC Schwab U.S. Large-Cap ETF
SCHX - US8085242019 23.81% -
BN Vanguard Total Bond Market Index Fund ETF Shares
BND - US9219378356 14.29% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 14.29% -
SC Schwab International Small-Cap Equity ETF
SCHC - US8085248883 9.53% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 9.52% -
ID Invesco S&P International Developed Momentum ETF
IDMO - US46138E2220 9.52% -
SC Schwab U.S. Mid-Cap ETF
SCHM - US8085245087 9.52% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 9.52%
This portfolio is built mainly from broad, low-cost index ETFs with a clear tilt toward equities and a modest bond sleeve. About one-quarter sits in a core U.S. large-cap ETF, with the rest spread across U.S. growth, small and mid caps, international stocks, and a total bond market fund. This structure creates a “core and satellites” setup: a big diversified core position plus more focused exposures around it. That kind of layout matters because the core usually drives most of the long-term behavior, while the satellites tweak risk, return, and style. Here, the composition supports broad coverage of global markets while still allowing distinct roles for each holding.
Growth
Over the period from late 2019 to late 2026, a $1,000 investment grew to about $2,437, implying a compound annual growth rate (CAGR) of 13.66%. CAGR is just the “average yearly speed” of growth, smoothing out ups and downs. This trailed the U.S. market benchmark (16.41%) and was slightly behind the global market (13.93%). The worst drop, or max drawdown, was about -31.6% during early 2020, similar in depth and recovery time to the benchmarks. That shows the portfolio behaved like a mainstream diversified mix: it didn’t fully capture the U.S. market’s recent strength, but it stayed broadly in line with global equity conditions.
Projection
The Monte Carlo projection looks forward 15 years by simulating many possible paths based on historical patterns. Think of it as running 1,000 alternate timelines using past volatility and correlations as a guide, then seeing where a $1,000 investment might land. The median outcome is around $2,690, with a wide “likely” band between about $1,836 and $3,933. Some paths go much higher or barely above the starting point. The average simulated annual return is 7.66%, lower than the backtested 13.66%, reflecting more conservative future assumptions. Importantly, these simulations are not forecasts; they just illustrate a range of plausible outcomes if market behavior rhymes with the past.
Asset classes
- Stocks 86%
- Bonds 14%
Asset allocation is 86% stocks and 14% bonds, which lines up well with a “balanced but growth-leaning” structure. Equities are the main return driver over long periods but bring more volatility, while bonds typically act as shock absorbers and income sources. Compared to a pure equity portfolio, this mix should, in many environments, experience somewhat smaller swings, particularly during equity selloffs, because bonds often move differently. Relative to global market portfolios, a roughly 10–20% bond weight is common for investors who still prioritize growth but want some cushion. This allocation is well-balanced and aligns closely with global standards for a growth-oriented balanced mix.
Sectors
- Technology 23%
- Financials 16%
- Industrials 10%
- Consumer Discretionary 8%
- Health Care 7%
- Telecommunications 5%
- Energy 5%
- Basic Materials 4%
- Consumer Staples 3%
- Real Estate 2%
- Utilities 2%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is spread across technology (23%), financials (16%), industrials (10%), consumer discretionary (8%), health care (7%), and several smaller allocations. This looks similar to many global equity benchmarks where tech and financials are major components, giving exposure to both innovative growth and more traditional economic activity. A 23% tech slice can add growth potential but also sensitivity to changes in interest rates or investor risk appetite. The presence of energy, telecom, materials, staples, real estate, and utilities, even at modest levels, helps ensure that returns are not overly tied to a single economic story. The portfolio’s sector composition matches benchmark data, which is a strong indicator of diversification.
Regions
- North America 61%
- Europe Developed 12%
- Japan 6%
- Asia Developed 3%
- Asia Emerging 1%
- Australasia 1%
- Africa/Middle East 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, about 61% of equity exposure is in North America, with Europe, Japan, developed Asia, and small slices in emerging regions making up the rest. That U.S.-heavy tilt is close to the current global market weight, where the U.S. is the largest component, but you also see meaningful diversification beyond one economy and currency. Having allocations in Europe, Japan, and other regions can help when different parts of the world move on their own cycles, even if major markets are increasingly interconnected. The smaller emerging markets share means less direct participation in higher-growth but more volatile regions. Overall, this allocation is well-balanced and aligns closely with global standards.
Market capitalization
- Mega-cap 30%
- Large-cap 18%
- Mid-cap 17%
- Small-cap 15%
- Micro-cap 5%
This breakdown covers the equity portion of your portfolio only.
By size, the portfolio holds a good spread: about 30% mega-cap, 18% large-cap, 17% mid-cap, 15% small-cap, and even 5% micro-cap. Market capitalization simply measures company size by stock market value; larger firms tend to be more stable, while smaller ones can be more volatile but sometimes faster growing. This mix means the portfolio doesn’t rely solely on the biggest household names but also taps into the broader economic ecosystem, including smaller companies that behave differently across cycles. Many market indexes are heavily concentrated in mega-caps alone, so the additional exposure to mid, small, and micro caps can add a distinct return pattern and diversification layer.
True holdings
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NV NVIDIA Corporation 3.31%
Part of fund(s):- Schwab U.S. Large-Cap ETF
- Schwab U.S. Large-Cap Growth ETF
-
AA Apple Inc. 2.98%
Part of fund(s):- Schwab U.S. Large-Cap ETF
- Schwab U.S. Large-Cap Growth ETF
-
MS Microsoft Corporation 2.29%
Part of fund(s):- Schwab U.S. Large-Cap ETF
- Schwab U.S. Large-Cap Growth ETF
-
AM Amazon.com Inc 1.57%
Part of fund(s):- Schwab U.S. Large-Cap ETF
- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class A 1.28%
Part of fund(s):- Schwab U.S. Large-Cap ETF
- Schwab U.S. Large-Cap Growth ETF
-
AV Broadcom Inc 1.07%
Part of fund(s):- Schwab U.S. Large-Cap ETF
- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class C 1.02%
Part of fund(s):- Schwab U.S. Large-Cap ETF
- Schwab U.S. Large-Cap Growth ETF
-
AS ASML Holding N.V. 1.02%
Part of fund(s):- Invesco S&P International Developed Momentum ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.84%
Part of fund(s):- Schwab U.S. Large-Cap ETF
- Schwab U.S. Large-Cap Growth ETF
-
RY Royal Bank of Canada 0.60%
Part of fund(s):- Invesco S&P International Developed Momentum ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 15.97%
This breakdown covers the equity portion of your portfolio only.
Looking through the ETFs, the largest underlying exposures are familiar global leaders like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, ASML, Meta Platforms, and Royal Bank of Canada. None of these appear as direct single-stock positions; they show up via multiple funds. NVIDIA and Apple each represent around 3% of the total portfolio, mainly through overlapping large-cap and growth ETFs. This kind of overlap means the portfolio is more exposed to a handful of mega-cap names than any single ETF weight might suggest. Because only the top 10 holdings of each ETF are captured, true overlap is likely a bit higher, but the data still highlights where hidden concentration is building.
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 across value, size, momentum, quality, yield, and low volatility sits in the “neutral” band for all six. Factor exposure is like checking which traits your portfolio leans toward, such as cheap stocks (value), small companies (size), or stable companies (low volatility). Neutral readings, especially clustered around 50–60%, suggest the mix behaves broadly like the overall market, without strong tilts to any one style. That can be helpful if the goal is to track market-like behavior and avoid big style bets that might outperform in some periods but lag in others. In short, this portfolio is well-balanced across factors rather than being a specialized factor strategy.
Risk contribution
-
Schwab U.S. Large-Cap ETF
Weight: 23.81% 26.7% -
Schwab U.S. Large-Cap Growth ETF
Weight: 14.29% 18.0% -
Avantis® U.S. Small Cap Value ETF
Weight: 9.52% 12.9% -
Schwab U.S. Mid-Cap ETF
Weight: 9.52% 11.9% -
Schwab International Small-Cap Equity ETF
Weight: 9.53% 10.0% - Top 5 risk contribution 79.5%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weights. The core Schwab U.S. Large-Cap ETF is about 23.8% of the portfolio but contributes roughly 26.7% of total risk. The U.S. Large-Cap Growth ETF and the U.S. Small Cap Value ETF also contribute more risk than their weights, reflecting their higher volatility. Together, the top three holdings make up about 57.6% of overall risk. That pattern is common: a few core equity positions dominate the risk profile. It means that changes in these funds will be the main drivers of performance, even though smaller holdings play supporting roles.
Redundant positions
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High correlationVanguard Total International Stock Index Fund ETF SharesSchwab International Small-Cap Equity ETF
-
High correlationSchwab U.S. Large-Cap ETFSchwab U.S. Large-Cap Growth ETF
The correlation data shows that some pairs of ETFs move almost identically, particularly the Schwab U.S. Large-Cap Growth and Schwab U.S. Large-Cap ETFs, and the Schwab International Small-Cap Equity ETF with the Vanguard Total International Stock ETF. Correlation measures how often assets move together; high correlation means they tend to rise and fall in sync. When two holdings are highly correlated, owning both still adds diversification within each fund but less diversification at the overall portfolio level than their count might suggest. This doesn’t make them “bad” holdings; it just clarifies that, during big global moves, several positions may behave similarly rather than offsetting each other.
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 efficient frontier chart, the current portfolio has a Sharpe ratio of 0.57, below the optimal portfolio’s 0.87 at a slightly higher risk level. The Sharpe ratio compares excess return (above cash) to volatility, like measuring how much “reward” you get per unit of “bumpiness.” Being about 1.95 percentage points below the frontier at the current risk level indicates the same holdings, in different weights, could historically have produced a better risk–return tradeoff. Importantly, this is all within the existing ETFs; it doesn’t assume adding new products. So the structure is generally sound, but the math suggests there is room for more efficient risk distribution.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Vanguard Total Bond Market Index Fund ETF Shares 4.10%
- Invesco S&P International Developed Momentum ETF 3.90%
- Schwab International Small-Cap Equity ETF 3.30%
- Schwab U.S. Large-Cap Growth ETF 0.30%
- Schwab U.S. Mid-Cap ETF 0.90%
- Schwab U.S. Large-Cap ETF 0.80%
- Vanguard Total International Stock Index Fund ETF Shares 2.30%
- Weighted yield (per year) 1.93%
The portfolio’s overall dividend yield is about 1.93%, coming from a mix of equity and bond payouts. Yield is the annual cash distribution as a percentage of investment, like interest from a savings account but not guaranteed. The total bond market ETF and some international and value-tilted funds provide higher yields, while U.S. large-cap growth contributes very little income but focuses more on price appreciation. Over time, reinvested dividends can be a meaningful part of total return, even if the headline yield looks modest. Here, income plays a supporting role rather than being the main objective, consistent with an equity-heavy, growth-oriented structure.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Vanguard Total Bond Market Index Fund ETF Shares 0.03%
- Invesco S&P International Developed Momentum ETF 0.25%
- Schwab International Small-Cap Equity ETF 0.11%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Schwab U.S. Mid-Cap ETF 0.04%
- Schwab U.S. Large-Cap ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.08%
Costs are impressively low, with a total expense ratio (TER) of about 0.08% across the portfolio. TER is the annual fee charged by funds, taken out of returns behind the scenes. In dollar terms, that’s about $0.80 per year on each $1,000 invested, which is significantly lower than many actively managed portfolios. Low costs matter because they’re one of the few things investors can reliably control, and small percentage differences compound over time into real money. This fee level is very competitive for a globally diversified ETF mix and supports better long-term performance by leaving more of the market’s return in the portfolio’s hands.
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