Balanced multi cap portfolio with modest factor tilts and strong diversification across sectors regions and styles
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 20.00% -
BN Vanguard Total Bond Market Index Fund ETF Shares
BND - US9219378356 15.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 15.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 15.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 15.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
SC Schwab U.S. Mid-Cap ETF
SCHM - US8085245087 10.00%
This portfolio is a broadly diversified mix built from seven low cost ETFs, with 85% in stocks and 15% in bonds. Within equities, there is a clear spread across U.S. large caps, growth names, dividend payers, mid caps, small cap value, and a global ex US fund. The weights are tilted toward U.S. large caps and dividend or growth styles, with smaller allocations to small caps and international stocks. This structure creates a “core plus satellites” feel: broad market building blocks at the center and more focused style funds around them. That combination helps keep the portfolio understandable while still giving it multiple sources of return, rather than relying on a single index or theme.
Growth
From late 2019 to late 2026, a hypothetical $1,000 in this portfolio grew to about $2,392, a compound annual growth rate (CAGR) of 13.34%. CAGR is like your average speed on a road trip, smoothing out bumps along the way. The portfolio lagged the U.S. market benchmark by about 3.05 percentage points per year, but trailed the global market only slightly at 0.58 points per year. Its maximum drawdown, a roughly 31% drop during early 2020, was a bit milder than both benchmarks. That mix of slightly lower return with slightly shallower losses is consistent with having a bond slice and some dividend exposure cushioning big equity swings.
Projection
The Monte Carlo projection uses the portfolio’s historical ups and downs to simulate many possible 15 year futures. Think of it as running 1,000 alternate histories where returns are shuffled in realistic ways. The median outcome turns $1,000 into around $2,546, while the middle half of paths land between about $1,747 and $3,667. A small portion of simulations show much higher or lower values, reflecting uncertainty. The average simulated annual return is 7.29%, lower than the recent historical CAGR, underlining that past strong years may not repeat. These ranges are not promises; they just show what could happen if future markets rhyme with the past, but they can’t capture shocks or regime changes no one has seen before.
Asset classes
- Stocks 85%
- Bonds 15%
With 85% in stocks and 15% in bonds, this portfolio is clearly tilted toward growth assets while still holding a meaningful buffer in fixed income. Stocks drive most of the long term return potential but also most of the volatility, while bonds typically act as a stabilizer and income source. Compared with a pure equity portfolio, this mix should experience somewhat smaller swings, especially during sharp stock market selloffs. Compared with more bond heavy mixes, it remains growth oriented and more sensitive to equity cycles. This aligns well with its “balanced” classification: not extremely aggressive, but clearly focused on long term capital growth rather than short term capital preservation.
Sectors
- Technology 23%
- Financials 12%
- Health Care 9%
- Industrials 9%
- Consumer Discretionary 8%
- Telecommunications 6%
- Energy 6%
- Consumer Staples 6%
- Basic Materials 3%
- Real Estate 2%
- Utilities 1%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is nicely spread out, with technology at 23% but no single sector dominating the portfolio. Financials, health care, and industrials are all in high single digits, while consumer, telecom, energy, and staples each have mid single digit shares. Real estate and utilities are smaller, which is common when broad U.S. and international equity ETFs form the core. Overall, this looks reasonably aligned with broad market benchmarks where tech is the largest but not overwhelming sector. A tech tilt can contribute to growth when that industry leads, but it also means returns are more affected by trends in innovation, regulation, and interest rates than if sector weights were fully even.
Regions
- North America 71%
- Europe Developed 6%
- Asia Developed 3%
- Japan 2%
- Asia Emerging 2%
- Australasia 1%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, about 71% of the portfolio is in North America, with the rest spread across developed Europe, developed Asia, Japan, and smaller slices in emerging regions and Australasia. This U.S. tilt is typical for portfolios anchored in American large cap funds, while the international ETF adds a useful global layer on top. Compared with a purely global market weight, North America is somewhat overweight and non U.S. regions somewhat underweight, but not extremely so. The non U.S. portion introduces currency and economic diversity, which can help when U.S. markets lag. At the same time, the strong home bias keeps performance tightly linked to U.S. corporate and macro conditions.
Market capitalization
- Mega-cap 26%
- Large-cap 25%
- Mid-cap 15%
- Small-cap 13%
- Micro-cap 5%
This breakdown covers the equity portion of your portfolio only.
The portfolio spans the market cap spectrum, with 26% in mega caps and 25% in large caps forming roughly half the equity exposure. Another 15% sits in mid caps, 13% in small caps, and 5% in micro caps. This is broader than a pure large cap index and gives exposure to different growth and risk profiles. Mega and large caps tend to be more stable and often drive index level behavior, while small and micro caps can be more volatile but have more room for company specific growth. This multi cap blend helps diversify away from a handful of global giants without losing the liquidity and resilience those big names provide.
True holdings
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NV NVIDIA Corporation 3.42%
Part of fund(s):- Schwab U.S. Large-Cap ETF
- Schwab U.S. Large-Cap Growth ETF
-
AA Apple Inc. 3.08%
Part of fund(s):- Schwab U.S. Large-Cap ETF
- Schwab U.S. Large-Cap Growth ETF
-
MS Microsoft Corporation 2.32%
Part of fund(s):- Schwab U.S. Large-Cap ETF
- Schwab U.S. Large-Cap Growth ETF
-
AM Amazon.com Inc 1.58%
Part of fund(s):- Schwab U.S. Large-Cap ETF
- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class A 1.29%
Part of fund(s):- Schwab U.S. Large-Cap ETF
- Schwab U.S. Large-Cap Growth ETF
-
AV Broadcom Inc 1.13%
Part of fund(s):- Schwab U.S. Large-Cap ETF
- Schwab U.S. Large-Cap Growth ETF
-
ME Meta Platforms Inc. 1.11%
Part of fund(s):- Schwab U.S. Large-Cap ETF
- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class C 1.04%
Part of fund(s):- Schwab U.S. Large-Cap ETF
- Schwab U.S. Large-Cap Growth ETF
-
MU Micron Technology Inc 0.80%
Part of fund(s):- Schwab U.S. Large-Cap ETF
- Schwab U.S. Large-Cap Growth ETF
-
TS Tesla Inc 0.72%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Large-Cap ETF
- Schwab U.S. Large-Cap Growth ETF
- Top 10 total 16.47%
This breakdown covers the equity portion of your portfolio only.
Looking through ETF top 10 holdings, several familiar mega cap names show up repeatedly: NVIDIA, Apple, Microsoft, Amazon, Alphabet (both share classes), Broadcom, Meta, Micron, and Tesla. The combined exposure to these leaders is meaningful, with NVIDIA at 3.42% and Apple at 3.08% of the portfolio, even though there are no direct single stock positions. Because overlap data only covers ETF top 10 holdings, hidden concentration is probably somewhat larger than shown. This kind of repeated exposure means the portfolio’s returns will be influenced heavily by a relatively small group of big tech and communication companies, a pattern very similar to modern U.S. equity benchmarks.
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 is broadly neutral across the board, with value, size, momentum, quality, yield, and low volatility all sitting in the 40–60% “market like” range. In factor terms, this means the portfolio behaves a lot like the broad market, rather than strongly tilting toward, say, deep value, high yield, or low volatility strategies. This is somewhat noteworthy given the presence of both growth and dividend focused funds: they appear to offset each other, leaving no single factor dominating. A well balanced factor profile like this tends to track overall equity conditions closely, without big performance surprises that can come from highly concentrated factor bets in specific environments.
Risk contribution
-
Schwab U.S. Large-Cap ETF
Weight: 20.00% 23.0% -
Schwab U.S. Large-Cap Growth ETF
Weight: 15.00% 19.1% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 15.00% 14.9% -
Schwab U.S. Dividend Equity ETF
Weight: 15.00% 14.3% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 14.3% - Top 5 risk contribution 85.6%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. The Schwab U.S. Large Cap ETF is 20% of assets but about 23% of total risk, while the Large Cap Growth ETF is 15% of assets yet roughly 19% of risk. The small cap value ETF is 10% of assets but contributes more than 14% of risk, reflecting higher volatility in that segment. The top three risk contributors together account for about 57% of total portfolio risk. This pattern is normal: broad U.S. growthy and smaller cap funds typically punch above their weight in driving portfolio volatility.
Redundant positions
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High correlationSchwab U.S. Large-Cap ETFSchwab U.S. Large-Cap Growth ETF
The correlation data highlights that the Schwab U.S. Large Cap Growth ETF and Schwab U.S. Large Cap ETF move almost identically. Correlation measures how often and how closely assets move together, from -1 (opposite) to +1 (in lockstep). When two holdings are highly correlated, they tend to rise and fall at the same time, which reduces the diversification benefit of holding both purely for risk reduction. In this case, the growth ETF still adds style variation, but from a day to day risk standpoint it behaves similarly to the broad U.S. large cap fund. That’s common when both draw heavily from the same universe of big U.S. companies.
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 sits below the curve of best possible combinations of its existing holdings. The Sharpe ratio, a measure of return per unit of risk above the risk free rate, is 0.57 for the current mix. The optimal mix of the same holdings reaches a Sharpe of 0.85 with higher risk and return, while the minimum variance mix offers much lower risk but also much lower return. Being about 1.62 percentage points below the frontier at the current risk level suggests that simply reshuffling weights among these same ETFs could improve risk adjusted returns, without changing what’s owned, though not necessarily by a huge margin.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Vanguard Total Bond Market Index Fund ETF Shares 4.10%
- Schwab U.S. Dividend Equity ETF 2.40%
- 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) 1.74%
The total portfolio yield is about 1.74%, combining income from bonds, dividend stocks, and other equities. The bond ETF has the highest yield at around 4.10%, which is typical since bonds are designed to pay interest, while the dividend equity ETF and international fund both offer yields in the low to mid 2% range. Growth focused and broad market U.S. funds yield less, reflecting their emphasis on reinvested profits and price appreciation. Dividends can be an important part of long term returns, especially when reinvested, but they are only one component. Here, income is present but not the main driver; capital growth from stock price movements still dominates overall performance.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Vanguard Total Bond Market Index Fund ETF Shares 0.03%
- Schwab U.S. Dividend Equity ETF 0.06%
- 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) 0.06%
The portfolio’s costs are impressively low, with a total expense ratio (TER) around 0.06%. TER is the annual fee charged by funds, expressed as a percentage of assets, and it quietly reduces returns each year. Most holdings sit in the 0.03–0.06% range, with only the small cap value ETF notably higher at 0.25%, which is still moderate for that niche. Over long periods, keeping fees this low can make a meaningful difference, because every dollar not paid in costs stays invested and can compound. From a cost perspective, this portfolio is strongly aligned with best practices and provides a solid foundation for long term investing.
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