A balanced low cost equity portfolio tilted toward value yield and large cap growth leaders
Report created on Mar 16, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 50.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 20.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
VB Vanguard Small-Cap Value Index Fund ETF Shares
VBR - US9229086114 10.00%
This portfolio is a simple four‑fund setup holding almost entirely stocks, split between a broad domestic fund, a dividend‑focused fund, international stocks, and a small‑cap value sleeve. It lines up well with many “core plus tilts” benchmark styles, using a total market fund as the anchor. That clarity is a strength because it makes behavior easier to understand and maintain. To keep this structure working well, it helps to decide if the 50 / 20 / 20 / 10 split matches your target balance between broad exposure, income focus, global reach, and factor tilts. Periodically checking that each sleeve still fits your goals can keep the design intentional instead of drifting over time.
Growth
Historically, a 13.17% compound annual growth rate (CAGR) means $10,000 would have grown to roughly $23,000 over five years, or about $34,000 over seven, assuming returns were similar over that span. CAGR is like the average speed over a long road trip, smoothing out bumps along the way. The -35.2% max drawdown shows the worst peak‑to‑trough drop, which is typical for an all‑equity mix and in line with broad stock benchmarks during severe sell‑offs. Since only 30 days produced 90% of total gains, staying invested through volatility has clearly mattered. It’s worth stress‑testing whether you’d stay the course if a 30–40% drop happened again.
Projection
The Monte Carlo analysis, which runs 1,000 randomized return paths based on historical patterns, shows a wide range of possible futures. Monte Carlo is like simulating many alternate market histories using past volatility and correlations, then seeing how often you end up ahead. Here, the median outcome of roughly +387% suggests strong growth potential, while the 5th percentile outcome of +48.1% reminds you that weaker decades can happen. An average simulated annual return around 13.3% lines up with history, but that’s not a promise. Past data may overweight unusually strong periods. Treat these projections as planning guardrails rather than precise forecasts and consider how you’d react if results land closer to the lower end.
Asset classes
- Stocks 99%
- Cash 1%
With 99% in stocks and just 1% in cash, this is effectively a full‑equity portfolio. Compared with many “balanced” reference portfolios that include bonds or other stabilizers, this is more growth‑oriented and will swing more with markets. The upside is higher long‑term return potential; the trade‑off is sharper drawdowns and more emotional stress during downturns. If your financial plan can handle multi‑year equity slumps without forced selling, this setup is coherent. If not, even a modest allocation to more stable assets in a separate account or sleeve could smooth the ride. It’s worth matching the stock‑heavy stance to your actual spending needs and time horizon.
Sectors
- Technology 23%
- Financials 15%
- Industrials 12%
- Health Care 11%
- Consumer Discretionary 10%
- Consumer Staples 7%
- Telecommunications 7%
- Energy 7%
- Basic Materials 3%
- Real Estate 3%
- Utilities 2%
Sector exposure is broad, with technology leading around the mid‑20s, followed by healthy weights in financials, industrials, healthcare, and consumer areas. This looks close to widely used global benchmarks and is a solid sign of diversification. A tech‑tilt has been very rewarding while growth and innovation themes are in favor, but these sectors can be hit harder when interest rates rise or valuations reset. Energy, utilities, and real estate are present but smaller, which slightly reduces exposure to more defensive pockets. It’s useful to ask whether the current sector mix fits your risk comfort. If swings feel too intense, gradually shifting a bit more toward traditionally steadier industries can help moderate volatility.
Regions
- North America 81%
- Europe Developed 8%
- Japan 3%
- Asia Emerging 3%
- Asia Developed 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, roughly four‑fifths of the portfolio sits in North America, with the remainder spread across developed and emerging markets. This home‑country lean matches many U.S. investor benchmarks, and it has worked well during a long stretch of U.S. outperformance. The trade‑off is heavier dependence on one region’s economy, currency, and politics. The existing 20% international sleeve does add useful diversification across different growth drivers and policy cycles. If you’d like to lean more into global balance over the very long term, gradually increasing the overseas share within your current fund framework is a simple way to reduce U.S. concentration risk without complicating the lineup.
Market capitalization
- Large-cap 34%
- Mega-cap 29%
- Mid-cap 22%
- Small-cap 11%
- Micro-cap 3%
The market‑cap breakdown is nicely layered across mega, large, mid, small, and even micro caps. About two‑thirds in mega and big companies keeps the portfolio anchored in more established businesses, while the mid‑ and small‑cap exposure introduces extra growth and factor potential. This balance is close to a total‑market style baseline, with a slight extra push into smaller names via the small‑cap value ETF. Smaller companies can amplify both upside and downside, especially in recessions or credit crunches. It’s useful to decide if that added bump in volatility lines up with your comfort level. If needed, trimming the small‑cap slice modestly could ease swings without changing the overall philosophy.
True holdings
-
NV NVIDIA Corporation 3.31%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 2.87%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.40%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.73%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.48%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.17%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.17%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.17%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
CV Chevron Corp 1.11%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Dividend Equity ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
LM Lockheed Martin Corporation 1.09%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 17.48%
Looking through to the top holdings, a meaningful slice is concentrated in mega‑cap leaders like Nvidia, Apple, Microsoft, Amazon, Alphabet, and Meta. These giants are embedded across the broad U.S. and international funds, so their combined exposure is larger than any single ETF suggests. That’s not unusual compared with common benchmarks, which are also dominated by these names, and it has boosted results in recent years. The flip side is that performance may track those companies closely. It’s useful to decide whether this concentration is intentional. If it feels too dependent on a handful of firms, nudging more toward smaller or less correlated holdings within your existing fund lineup could soften that reliance.
Factors
Factor exposure is clearly tilted toward value, size (smaller companies), and yield, with moderate momentum and low‑volatility signals and no clean read on quality. Factors are like underlying “personality traits” of stocks—value favors cheaper names, momentum favors recent winners, yield favors higher dividends, and so on. Compared with a neutral market‑weighted baseline, this setup leans away from pure growth and more toward cheaper, income‑producing, and smaller companies, especially via the dividend and small‑cap funds. That mix can help in periods when high‑growth names lag, but may trail in very strong growth‑led rallies. Since signal coverage is only about half, it’s wise to treat factor figures as directional rather than precise and keep tilts moderate.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 50.00% 52.3% -
Schwab U.S. Dividend Equity ETF
Weight: 20.00% 18.0% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 18.0% -
Vanguard Small-Cap Value Index Fund ETF Shares
Weight: 10.00% 11.7%
Risk contribution, which shows how much each holding drives overall ups and downs, is fairly aligned with weights. The total U.S. market ETF is 50% of the portfolio but about 52% of risk, which is very proportional. The small‑cap value fund is 10% of assets but contributes nearly 12% of risk, reflecting its higher volatility—small, cheaper stocks tend to swing more. Your top three funds make up about 88% of total risk, which is normal for such a concentrated core. If you ever decide volatility is a bit high, gently reducing the small‑cap slice or slightly boosting the more stable broad funds can bring risk contribution closer to weights without overhauling the design.
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 a risk‑return chart, this portfolio looks close to an efficient frontier for an all‑equity mix, meaning it appears to deliver a strong trade‑off between volatility and growth given the chosen building blocks. The efficient frontier is just the set of allocations that provide the highest expected return for each level of risk using your current ingredients. Efficiency here doesn’t automatically mean maximum diversification or minimal drawdowns; it just means a good deal between risk and reward. Fine‑tuning weights—like slightly adjusting the split between broad market, dividend, international, and small‑cap funds—could nudge you closer to that ideal curve, but the overall setup already looks quite well‑positioned.
Dividends
- Schwab U.S. Dividend Equity ETF 3.40%
- Vanguard Small-Cap Value Index Fund ETF Shares 1.90%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 3.10%
- Weighted yield (per year) 2.04%
The overall yield around 2.0% is solid for an all‑equity portfolio and comes mainly from the dividend fund and international sleeve. Dividends are the cash payouts companies make from profits, and over long periods they can be a large share of total return, especially when reinvested. Your mix strikes a nice balance between income and growth: it doesn’t chase very high yields, which can sometimes signal weaker businesses, but still provides a meaningful cash component. It’s helpful to be clear whether dividends are for spending or reinvestment. If you’re in a growth phase, automatically reinvesting them keeps compounding working; if you need income, you might plan withdrawals around the expected payout level.
Ongoing product costs
- Schwab U.S. Dividend Equity ETF 0.06%
- Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
- 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) 0.04%
The total expense ratio around 0.04% is impressively low and a major strength. Costs are like a slow leak in a tire—tiny differences each year compound into big gaps over decades. Here, the broad index and factor funds are all priced at the very low end of the spectrum, which supports better long‑term outcomes compared with higher‑fee strategies. This cost profile is on par with many institutional‑grade portfolios and fully aligned with best practices. The main ongoing task is simply to keep an eye out for any fee hikes or new, unnecessary products. Sticking with low‑cost, diversified funds remains one of the most reliable ways to keep more of your returns.
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