Growth tilted global equity mix with efficient risk use and strong recent performance
Report created on Mar 20, 2026Risk profile
- Secure Speculative
The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.
Diversification profile
- Focused Diversified
The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.
What type of investor this portfolio is suitable for
Growth Investors
An investor who fits this kind of portfolio is generally growth‑oriented, comfortable with meaningful market swings, and thinking in terms of decades rather than years. They’re likely focused on building wealth for long‑term goals—such as retirement, financial independence, or funding future large expenses—rather than seeking steady income today. A moderate‑high risk tolerance is important, since an all‑equity allocation can experience deep temporary losses. This person usually believes in global diversification but prefers a tilt toward innovative large companies and smaller value‑oriented businesses. They’re also likely fee‑sensitive and happy with a simple, rules‑based approach instead of frequent trading or complex active strategies.
Positions
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Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 50.00% -
Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30.00% -
Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 20.00%
The portfolio is a three-fund, all‑equity mix: 50% in a U.S. large‑cap growth ETF, 30% in a broad international ETF, and 20% in a U.S. small‑cap value ETF, plus a tiny cash position. That means almost everything is in stocks, with a strong tilt toward fast‑growing U.S. companies and a meaningful slice in smaller, cheaper U.S. names. Structurally, this is a classic “barbell” between growth and value, anchored by global diversification. For someone comfortable with bigger ups and downs, this structure can be a very clean, easy‑to‑maintain way to pursue long‑term growth without holding a long list of positions.
Growth
From late 2019 to March 2026, the hypothetical $1,000 grew to $2,479, a compound annual growth rate (CAGR) of 16.45%. CAGR is like your average speed on a road trip, smoothing out bumps along the way. That beats both the U.S. market (14.78%) and global market (12.34%) over the same period, which is impressive. The worst peak‑to‑trough drop was about ‑35%, slightly deeper than the benchmarks’ drawdowns near ‑34%. That tradeoff—higher return with slightly higher downside—is typical for a growth‑tilted equity mix. The fact that just 20 days made up 90% of returns highlights how missing a few strong days could meaningfully change outcomes.
Projection
The Monte Carlo projection simulates 1,000 possible 10‑year paths, using past returns and volatility to generate many what‑if scenarios. Think of it as rolling the dice thousands of times to see a range of plausible outcomes, not a prediction. The median outcome (50th percentile) shows about 537% cumulative growth, while even the conservative 5th percentile still shows roughly 40% total gain over a decade. An average simulated annualized return of 17.23% is very strong, but it’s crucial to remember this is based on a favorable historical period. Markets change, so future returns could be lower, higher, or more volatile than these simulations suggest.
Asset classes
- Stocks 99%
- Cash 1%
Almost 99% of the portfolio is in stocks, with just 1% in cash. That makes it a pure growth vehicle rather than a balanced stock‑bond mix. All‑equity portfolios tend to experience larger swings, especially during sharp market downturns, but historically they’ve also provided higher long‑term returns than more conservative blends. Compared with typical “balanced” portfolios that might hold 40–60% bonds, this is clearly positioned for someone prioritizing growth over stability. The upside is simplicity and long‑run return potential; the tradeoff is the need to tolerate meaningful drawdowns without panic selling during rough stretches.
Sectors
- Technology 28%
- Financials 15%
- Consumer Discretionary 13%
- Industrials 11%
- Telecommunications 10%
- Health Care 7%
- Energy 6%
- Basic Materials 4%
- Consumer Staples 3%
- Real Estate 1%
- Utilities 1%
Sector exposure is broad, with Technology leading at 28%, followed by Financial Services, Consumer Cyclicals, Industrials, Communication Services, and then smaller slices of Healthcare, Energy, Materials, Consumer Defensive, Real Estate, and Utilities. Tech and related growth areas are a bit heavier than a typical global index, which helps when innovation and digital trends are driving markets, but it can sting during periods of rising interest rates or sector rotations away from growth. The positive sign is that you’re not all‑in on one theme; there’s still representation across economically sensitive and defensive sectors, helping soften shocks that hit a single part of the economy.
Regions
- North America 72%
- Europe Developed 11%
- Japan 5%
- Asia Developed 4%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 72% is in North America, with Europe, Japan, other developed Asia, emerging Asia, and small allocations to Australasia, Africa/Middle East, and Latin America making up the rest. That’s more U.S./North America‑heavy than a typical global market index, which is closer to 60% U.S. This tilt has been helpful in recent years, given U.S. outperformance, and it keeps currency risk relatively familiar for a U.S.‑based investor. The flip side is less exposure to faster‑growing or cheaper non‑U.S. markets, which can occasionally lead over a decade‑long stretch. The current blend still counts as reasonably global while leaning toward home‑market strength.
Market capitalization
- Mega-cap 46%
- Large-cap 20%
- Small-cap 12%
- Mid-cap 11%
- Micro-cap 9%
Market cap exposure is dominated by mega and big companies (around two‑thirds combined), with the rest split across mid, small, and micro caps. That combination gives you stability and liquidity from the giants plus a meaningful growth and value kicker from smaller names, courtesy of the dedicated small‑cap value ETF. Smaller companies can be more volatile and sensitive to economic cycles but also offer higher long‑term return potential in many studies. This mix achieves a nice balance between the predictability of large established firms and the dynamism of smaller businesses, without allowing micro caps to take over the risk profile.
True holdings
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NVIDIA Corporation 5.69%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Apple Inc 4.77%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
-
Microsoft Corporation 3.80%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
-
Amazon.com Inc 2.63%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Alphabet Inc Class A 2.27%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Meta Platforms Inc. 2.25%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Tesla Inc 2.10%Part of fund(s):
- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Broadcom Inc 2.03%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
-
Alphabet Inc Class C 1.81%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Eli Lilly and Company 1.51%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 28.86%
Looking through the ETFs, there’s notable concentration in a handful of mega‑cap names: NVIDIA, Apple, Microsoft, Amazon, Alphabet (both share classes), Meta, Tesla, Broadcom, and Eli Lilly all show up among the largest indirect positions. This happens because the same giants appear in multiple broad index funds, creating “hidden” overlap. Overlap is probably higher than shown, since we only see top‑10 ETF holdings. This stacking boosts exposure to today’s market leaders, which has helped recent returns but also ties a chunk of portfolio behavior to how a relatively small group of companies performs in the future.
Factors
Factor exposure shows tilts toward low volatility, momentum, and value, with moderate size exposure. Factors are like underlying “traits” that shape how investments behave—such as cheap vs. expensive (value), big vs. small (size), recent winners (momentum), and smoother‑moving stocks (low volatility). A strong low‑vol and momentum tilt suggests a blend of stable, trend‑following companies, while the value and size tilts come mainly from the small‑cap value sleeve. This combination can do well in markets that reward quality, steady growth, and mean‑reversion in cheap stocks. Just remember factor cycles can be long; value and size can lag for years before catching up.
Risk contribution
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Schwab U.S. Large-Cap Growth ETF
Weight: 50.00% 54.0% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 23.7% -
Avantis® U.S. Small Cap Value ETF
Weight: 20.00% 22.3%
Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ from simple weight. Here, the large‑cap growth ETF is 50% of assets but about 54% of total risk, while the small‑cap value ETF is 20% of assets but roughly 22% of risk. The international ETF, at 30% weight, contributes only about 24% of risk, so it’s relatively stabilizing. This pattern is normal: growth and small‑cap value tend to be more volatile. If future swings feel too intense, adjusting the relative sizes of these sleeves—rather than just adding new funds—can meaningfully shift the overall risk mix.
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.
On the risk‑return chart, the current portfolio sits on the efficient frontier, meaning that for its specific mix of holdings, the weights are already using risk effectively. The Sharpe ratio of 0.68 shows solid risk‑adjusted returns, though not as high as the optimal portfolio’s 0.77. The same‑risk optimized version could, in theory, boost expected return from 16.61% to 19.61% at a slightly higher volatility. Because you’re already on the frontier, any improvements come from reweighting between the existing three ETFs, not adding new ones. That’s a positive signal: the building blocks you’re using are being combined in a very efficient way.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.80%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard Total International Stock Index Fund ETF Shares 3.10%
- Weighted yield (per year) 1.49%
The total dividend yield is about 1.49%, a blend of a low‑yield growth ETF (0.40%), a higher‑yield international ETF (3.10%), and a moderate‑yield small‑cap value ETF (1.80%). Dividends are cash payouts from companies and can be an important part of long‑term returns, especially when reinvested. Here, the focus is clearly on growth rather than income, which lines up with the risk classification. For someone not relying on portfolio income today, this is reasonable. Over time, reinvested dividends from international and value stocks can quietly add to compounding, even if most of the visible action comes from price appreciation in growth names.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.08%
The blended total expense ratio (TER) is a very low 0.08%, thanks to rock‑bottom fees on the U.S. growth and international ETFs and a still‑reasonable cost on the small‑cap value fund. TER is the annual percentage taken by the fund provider to run the ETF; lower costs mean more of the return stays in your pocket. Over decades, even a 0.3–0.5% difference per year can add up to a big gap in ending wealth. These costs are impressively low and align well with best practices for long‑term investing, supporting better compounding without the drag of expensive active management.
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