Sleepy income chaser clings to bonds while watching the stock market lap it repeatedly
Report created on Apr 11, 2026Risk profile
2/7
Diversification profile
5/5
Positions
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SC Schwab U.S. Aggregate Bond ETF
SCHZ - US8085248396 58.04% -
SC Schwab U.S. Broad Market ETF
SCHB - US8085241029 13.34% -
SC Schwab International Small-Cap Equity ETF
SCHC - US8085248883 11.52% -
SC Schwab Emerging Markets Equity ETF
SCHE - US8085247067 10.83% -
SC Schwab International Equity ETF
SCHF - US8085248057 6.27%
This portfolio is basically a giant bond blanket with a thin equity garnish on top. Nearly three fifths is in one broad bond fund, with the rest scattered across a few stock ETFs like someone tried to diversify but got bored halfway. It screams “I like safety” but then tosses in emerging markets and international small caps for spice, which is like ordering plain oatmeal and then dumping hot sauce on it. The structure is simple and not insane, but the balance is heavily skewed toward caution. Takeaway: this is built to avoid drama, not to win any performance contests.
Growth
The history is brutally clear: turning $1,000 into $1,820 over 10 years with a 6.19% CAGR while the US market more than doubled that growth is… underwhelming. You basically watched the S&P 500 run a marathon while you did a brisk walk around the block. Yes, your max drawdown was shallower at -23% versus roughly -34%, but you paid for that comfort with a big chunk of upside. Remember, CAGR is just your average annual growth speed; this one has been driving in the slow lane with the hazards on. Past data helps, but it is yesterday’s weather, not tomorrow’s forecast.
Projection
The Monte Carlo simulation — basically a thousand alternate futures rolled like dice — says your $1,000 most likely crawls to about $2,286 in 15 years. That’s a 5.88% annualized return across simulations, which is fine if “fine” is the goal. The downside isn’t terrifying (p5 around $1,337), but the upside isn’t exactly fireworks either (p95 about $4,073). This is what happens when you lean into low-volatility, yield-heavy assets: fewer gut punches, fewer victory laps. Remember, simulations are just fancy “what if” games based on past patterns, not a contract with the future. But the message is: expect steady, not spicy.
Asset classes
- Bonds 58%
- Stocks 42%
Asset allocation here is basically: 58% bonds, 42% stocks — a textbook “I’d like to sleep at night, thanks” setup. The bond chunk is doing exactly what it’s supposed to do: lower the bumps, lower the excitement, lower the long-term return. You’re not neglecting equities entirely, but they’re clearly the sidekick, not the main character. For a conservative profile, this is coherent; for growth hunters, it’s like driving with the parking brake half on. General takeaway: if the goal is capital preservation plus some income, this mix makes sense. If the goal is maximum long-term wealth, this is undercooked.
Sectors
- Technology 9%
- Financials 7%
- Industrials 6%
- Consumer Discretionary 4%
- Basic Materials 3%
- Health Care 3%
- Telecommunications 3%
- Energy 2%
- Consumer Staples 2%
- Real Estate 2%
- Utilities 1%
This breakdown covers the equity portion of your portfolio only.
Sector-wise, you’ve ended up with a pretty mild tilt: tech at 9%, financials at 7%, then a spread across industrials, consumer, health care, and friends. No giant sector addiction here — more like a sampler platter where nothing gets to dominate. The small tech slice means you didn’t ride the full rocket of the past decade, but you also didn’t tie your fate to one overhyped theme. It’s actually quite reasonable, almost suspiciously so. Takeaway: this sector mix won’t win any “bold vision” awards, but it also won’t blow up just because one industry has a tantrum.
Regions
- North America 16%
- Europe Developed 8%
- Asia Emerging 6%
- Asia Developed 5%
- Japan 4%
- Africa/Middle East 1%
- Australasia 1%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, this portfolio has something rare for a US-based setup: a genuine international bias. North America is only 16% of the look-through equity exposure, with big chunks in developed Europe, Asia, Japan, and emerging markets. Translation: no “America or bust” nonsense here. That’s surprisingly sensible, even if it hurt you versus the US-only benchmarks during a decade when the US was on a heater. International exposure is like eating your vegetables — not always thrilling, but it helps if the US finally takes a breather. Takeaway: global spread is a quiet strength, even if it hasn’t felt rewarding recently.
Market capitalization
- Mega-cap 14%
- Mid-cap 10%
- Large-cap 10%
- Small-cap 6%
- Micro-cap 1%
This breakdown covers the equity portion of your portfolio only.
The market-cap mix is broadly balanced: 14% mega-cap, 10% large, 10% mid, 6% small, and even 1% micro. This isn’t a “bet it all on giants” or “YOLO on tiny startups” situation. It’s more like: “I’ll take one of everything, thanks.” That said, given how much the last decade rewarded mega-cap dominance, being this spread out meant you diluted the win from the biggest winners. Still, in the long run, a blend of sizes can smooth the ride and capture different growth sources. Takeaway: this is a reasonable size profile, just not optimized for riding any one wave to the max.
True holdings
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23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.53%
Part of fund(s):- Schwab Emerging Markets Equity ETF
-
NV NVIDIA Corporation 0.90%
Part of fund(s):- Schwab U.S. Broad Market ETF
-
AA Apple Inc 0.79%
Part of fund(s):- Schwab U.S. Broad Market ETF
-
MS Microsoft Corporation 0.58%
Part of fund(s):- Schwab U.S. Broad Market ETF
-
AM Amazon.com Inc 0.43%
Part of fund(s):- Schwab U.S. Broad Market ETF
-
07 Tencent Holdings Ltd 0.43%
Part of fund(s):- Schwab Emerging Markets Equity ETF
-
GO Alphabet Inc Class A 0.36%
Part of fund(s):- Schwab U.S. Broad Market ETF
-
AV Broadcom Inc 0.31%
Part of fund(s):- Schwab U.S. Broad Market ETF
-
99 Alibaba Group Holding Ltd 0.30%
Part of fund(s):- Schwab Emerging Markets Equity ETF
-
GO Alphabet Inc Class C 0.29%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Top 10 total 5.93%
This breakdown covers the equity portion of your portfolio only.
The look-through holdings show a quiet crush on mega-cap tech and global giants: TSMC, NVIDIA, Apple, Microsoft, Amazon, Alphabet are sneaking in through broad funds. The direct weights look tiny, but that’s only from the top-10 slices; the real overlap is almost certainly higher. So you think you’re broadly diversified, but under the hood, you’re still riding the usual celebrity stocks like everyone else, just heavily diluted by bonds. Takeaway: don’t be fooled by ticker count — if the same stars keep reappearing across funds, your “diversification” might be more of a costume than real variety.
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-wise, the portfolio is loudly signaling two things: “I like yield” and “Please calm the volatility.” High yield exposure (74%) plus high low-vol tilt (66%) makes this look like a retiree’s comfort basket, not a thrill‑seeker’s toolkit. Value, size, momentum, and quality are all roughly neutral — so the only strong personality traits here are “pays me” and “don’t scare me.” Factor exposure is just the ingredient list behind performance; this recipe says: more dividends and fewer rollercoasters. Great if stability and income matter. Less great if you’re decades away from needing the money and could afford something braver.
Risk contribution
-
Schwab U.S. Broad Market ETF
Weight: 13.34% 24.9% -
Schwab International Small-Cap Equity ETF
Weight: 11.52% 22.6% -
Schwab Emerging Markets Equity ETF
Weight: 10.83% 21.1% -
Schwab U.S. Aggregate Bond ETF
Weight: 58.04% 19.9% -
Schwab International Equity ETF
Weight: 6.27% 11.6%
Risk contribution completely exposes the illusion that bonds are “taking over” the portfolio. The big bond fund is 58% of your weight but only about 20% of your total risk. Meanwhile, the three main equity funds together are just over a third of the weight but responsible for nearly 70% of total risk. That’s the classic story: the spicy stuff drives the drama, even in small portions. Risk contribution is basically asking: “Who’s really moving the needle?” Takeaway: if the equity risk ever feels too punchy, trimming or rebalancing those stock funds matters way more than tinkering with the bond slice.
Redundant positions
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High correlationSchwab International Equity ETFSchwab International Small-Cap Equity ETF
The high correlation between Schwab International Small-Cap Equity and Schwab International Equity is a nice reminder that “more tickers” does not equal “more diversification.” When two funds move almost in lockstep, owning both is like buying two umbrellas for the same storm — you’re not any drier when it rains. Correlation is just how similarly things move; when it’s high, they boom and bust together. Takeaway: adding funds that behave alike does more for complexity than for risk reduction. If the goal is smoother sailing, you want things that zig while others zag, not clones in different wrappers.
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 risk/return chart, your current portfolio is awkwardly sitting 1.15% below the efficient frontier at its risk level. Translation: with the exact same ingredients, a better recipe exists. The Sharpe ratio of 0.22 is pretty weak, especially next to the max‑Sharpe version at 0.76. You’re taking 8.32% volatility and not getting paid much for it. The minimum-variance mix is actually less awful on a risk-adjusted basis. The efficient frontier is just the “best deals” curve for risk versus return — you’re shopping off the discount rack but still overpaying. Takeaway: simple reweighting could give you more return for the same nerves.
Dividends
- Schwab U.S. Broad Market ETF 1.10%
- Schwab International Small-Cap Equity ETF 3.40%
- Schwab Emerging Markets Equity ETF 2.70%
- Schwab International Equity ETF 3.10%
- Schwab U.S. Aggregate Bond ETF 4.10%
- Weighted yield (per year) 3.40%
The 3.40% total yield is the star of this show. Between a 4.10% bond yield and 2–3% from most equity pieces, this is clearly built for people who like their investments to pay rent. Nothing wrong with that, but leaning hard on yield can be a bit of a trap: high payouts today often mean slower growth tomorrow. It’s like preferring a big paycheck now instead of a promotion later. Still, for an income-focused, conservative stance, the yield profile is actually aligned with the rest of the design. Just don’t confuse “pays well now” with “grows like crazy later.”
Ongoing product costs
- Schwab U.S. Broad Market ETF 0.03%
- Schwab International Small-Cap Equity ETF 0.11%
- Schwab Emerging Markets Equity ETF 0.11%
- Schwab International Equity ETF 0.06%
- Schwab U.S. Aggregate Bond ETF 0.03%
- Weighted costs total (per year) 0.05%
Costs are the part you accidentally nailed. A 0.05% total expense ratio is comically low — you’re basically getting institutional-level pricing at retail. That means you’re not lighting money on fire via fees, which is nice given the already modest returns. Think of TER as the cover charge to the investing party; here, you snuck in for almost free. Dry compliment: the fee discipline is better than the performance. Takeaway: since costs aren’t the problem, any future improvement has to come from asset mix and risk decisions, not shaving another basis point off ETFs.
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