Three fund US equity portfolio mixing broad market growth tilt and dividend income focus
Report created on Apr 24, 2026Risk profile
4/7
Diversification profile
4/5
Positions
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SP State Street® SPDR® Portfolio S&P 500® ETF
SPYM - US78464A8541 50.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 25.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 25.00%
This portfolio is built entirely from three US-focused equity ETFs, with a simple 50/25/25 split. Half sits in a broad S&P 500 fund, a quarter in a NASDAQ 100 fund, and a quarter in a US dividend equity fund. That structure combines a wide market core, a tech- and growth-heavy sleeve, and an income-oriented sleeve. A three-holding setup is easy to understand and monitor, which many investors find reassuring. At the same time, all risk is coming from one asset type: US stocks. The mix balances exposure between fast-growing companies and more established dividend payers, which can lead to smoother results than holding only one of those styles.
Growth
From October 2020 to April 2026, $1,000 in this portfolio grew to about $2,154, a compound annual growth rate (CAGR) of 14.99%. CAGR is the “average yearly speed” of growth over the whole period. This slightly trailed the US market benchmark by 0.33% per year but beat the global market by 1.59% per year. The worst peak‑to‑trough fall, or max drawdown, was about -24%, similar to the US market. That means the ups and downs were broadly in line with general US equities. Returns were concentrated in just 26 days that produced 90% of gains, underscoring how missing a handful of strong days can heavily affect long‑term outcomes.
Projection
The 15‑year Monte Carlo projection uses past returns and volatility to randomly simulate many possible future paths. Think of it as running 1,000 “what if” futures based on how this mix has behaved before. The median outcome grows $1,000 to about $2,768, with most middle scenarios falling between roughly $1,868 and $4,297. The wide possible range, from around $1,054 to $7,819, shows that long‑term results could differ a lot from the central estimate. An average simulated return of 8.31% per year and a 76% chance of ending positive are encouraging, but they are not guarantees. Real‑world future returns can be higher or lower than any model suggests.
Asset classes
- Stocks 50%
- No data 50%
On the asset‑class view, 50% of the portfolio is tagged as stocks and 50% shows as “No data,” which simply means the system lacks detailed classification for those positions. This doesn’t imply anything negative about the holdings; it’s just a data gap. In practice, all three ETFs are equity funds, so overall exposure is effectively 100% stocks, with no explicit bonds, cash, or alternatives in the mix. That concentrated equity exposure is typical for growth‑oriented portfolios, but it also means portfolio volatility will tend to track stock markets closely. The absence of other asset classes reduces diversification benefits that can come from mixing very different return drivers.
Sectors
- Technology 17%
- Consumer Staples 7%
- Health Care 6%
- Telecommunications 6%
- Consumer Discretionary 5%
- Energy 4%
- Industrials 3%
- Financials 2%
Sector data shows notable exposure across technology, consumer staples, health care, telecom, consumer discretionary, energy, industrials, and financials. Technology stands out as the single biggest slice at 17%, reflecting the impact of the S&P 500 and NASDAQ 100 allocations. A healthy spread into staples, health care, and energy adds balance by including businesses that can behave differently across economic cycles. Compared with broad US benchmarks, this mix is somewhat tilted toward growth‑oriented areas while still keeping exposure to more defensive sectors. Tech‑heavier portfolios often see larger swings when interest rates move or when growth expectations change, while staples and health care can act as partial stabilizers.
Regions
- North America 49%
The geographic breakdown shows 49% explicitly in North America, with the remainder not classified due to data limits. Given the underlying ETFs, the economic exposure is overwhelmingly US‑centric. A concentrated country focus can be helpful when the local market is strong but means portfolio outcomes are closely linked to one economy, one policy environment, and mainly one currency. Compared with global benchmarks where the US is big but not the entire world, this portfolio intentionally leans into a single region. That alignment with US indices supports consistency against common reference points, but it also means events specific to the US can have an outsized impact on overall performance.
Market capitalization
- Large-cap 28%
- Mega-cap 13%
- Mid-cap 7%
- Small-cap 1%
Market‑cap data shows a clear tilt toward large and mega‑cap companies, which together account for over 40%, with mid‑caps and small‑caps making up a modest slice. Large and mega caps are typically well‑established businesses, often with more stable earnings and deeper trading markets. This can translate into smoother price behavior than a portfolio packed with smaller, more volatile companies. The presence of mid‑caps and small‑caps adds some growth potential and diversification because these companies can perform differently over the cycle. Overall, the size profile is broadly in line with major US indices, which is helpful if the goal is to track general market behavior rather than make bold size bets.
True holdings
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NV NVIDIA Corporation 6.00%
Part of fund(s):- Invesco NASDAQ 100 ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
AA Apple Inc 5.11%
Part of fund(s):- Invesco NASDAQ 100 ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
MS Microsoft Corporation 3.89%
Part of fund(s):- Invesco NASDAQ 100 ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
AM Amazon.com Inc 3.04%
Part of fund(s):- Invesco NASDAQ 100 ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
GO Alphabet Inc Class A 2.38%
Part of fund(s):- Invesco NASDAQ 100 ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
AV Broadcom Inc 2.18%
Part of fund(s):- Invesco NASDAQ 100 ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
GO Alphabet Inc Class C 2.02%
Part of fund(s):- Invesco NASDAQ 100 ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
ME Meta Platforms Inc. 2.02%
Part of fund(s):- Invesco NASDAQ 100 ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
TS Tesla Inc 1.81%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- State Street® SPDR® Portfolio S&P 500® ETF
-
UN UnitedHealth Group Incorporated 1.21%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
- Top 10 total 29.64%
Looking through the ETFs’ top holdings, several big names repeat across funds, including NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and UnitedHealth. For example, NVIDIA alone makes up about 6% of the overall portfolio based on this top‑10 data, and Apple about 5.1%. Because these giants appear in more than one ETF, they create “hidden” concentration — the portfolio relies more on their fortunes than a simple three‑ticker list suggests. Coverage is about 40% of the portfolio by value, and only top‑10 ETF holdings are included, so actual overlap is likely somewhat understated. This clustering in large US growth companies amplifies sensitivity to their individual stock moves.
Factors
Factor exposures — the underlying traits that help explain returns — are all in the neutral band for value, size, momentum, quality, yield, and low volatility. With scores clustered around 50%, the portfolio behaves broadly like the overall market on these dimensions, without strong tilts toward classic styles such as deep value, high momentum, or high yield. Neutral factor positioning means performance is more likely driven by broad market movements and sector/stock choices rather than by concentrated factor bets. This balanced profile can be appealing for investors who want their portfolio to resemble the general equity market’s behavior instead of leaning heavily on one particular academic factor premium.
Risk contribution
-
State Street® SPDR® Portfolio S&P 500® ETF
Weight: 50.00% 50.2% -
Invesco NASDAQ 100 ETF
Weight: 25.00% 31.6% -
Schwab U.S. Dividend Equity ETF
Weight: 25.00% 18.2%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. The S&P 500 ETF is 50% of assets and contributes about 50% of risk, a one‑to‑one relationship. The NASDAQ 100 ETF is 25% of the portfolio but contributes roughly 32% of total risk, indicating it is more volatile than its size alone suggests. By contrast, the dividend equity ETF is 25% of weight but only 18% of risk, acting as a relative stabilizer. All risk comes from these three funds, but the NASDAQ slice is the main “amplifier,” while the dividend fund softens some of the overall volatility.
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, this portfolio sits on or very near the efficient frontier — the curve showing the best possible return for each risk level using only these three holdings with different weights. The Sharpe ratio, a measure of return earned per unit of risk above the risk‑free rate, is 0.7 for the current mix. The optimal Sharpe portfolio has a ratio of 0.9 with slightly lower risk, and the minimum‑variance mix has 0.87. Because the current portfolio is close to the frontier, its trade‑off between volatility and return is already quite efficient given these building blocks. That alignment is a positive sign for overall portfolio construction quality.
Dividends
- Invesco NASDAQ 100 ETF 0.50%
- Schwab U.S. Dividend Equity ETF 3.40%
- State Street® SPDR® Portfolio S&P 500® ETF 1.10%
- Weighted yield (per year) 1.52%
The blended dividend yield for the portfolio is about 1.52%, combining a low‑yield growth‑oriented NASDAQ ETF (0.50%), a moderate‑yield S&P 500 ETF (1.10%), and a higher‑yield dividend equity ETF (3.40%). Dividend yield measures annual cash payouts as a percentage of the current price. While the overall yield is not especially high, the dividend ETF meaningfully boosts income compared with a pure growth mix. Over time, reinvested dividends can be an important part of total return, even if they are modest year to year. This structure taps both capital appreciation from growth areas and a steady, though not dominant, income stream from dividend‑paying companies.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- Schwab U.S. Dividend Equity ETF 0.06%
- Weighted costs total (per year) 0.05%
The total expense ratio (TER) across the portfolio is very low at 0.05%, with individual ETFs charging 0.06% and 0.15% for the dividend and NASDAQ funds. TER represents the annual fee taken by the fund provider as a percentage of assets. Lower ongoing costs mean more of the portfolio’s gross return stays in the investor’s pocket and can compound over time. Compared with many actively managed funds, these fee levels are impressively low and more in line with lean index‑tracking products. Keeping costs down is one of the few factors investors can reliably control, and this portfolio is well‑positioned on that front, which supports better long‑term performance potential.
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