A growth tilted US heavy stock portfolio with strong momentum focus and modest dividend support

Report created on Dec 15, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

The portfolio is almost entirely built from broad US stock ETFs plus a handful of individual stocks, with a big tilt toward a single momentum ETF. This creates a clear growth focus but also pushes overall risk higher than a typical “balanced” mix that would include bonds or cash. A benchmark balanced portfolio usually holds a mix of stocks and safer assets, so this setup is more equity-heavy than the label suggests. Keeping the broad building blocks is sensible, but streamlining overlapping funds and deciding intentionally how much belongs in “pure growth” vs “core broad-market” would tighten the strategy and make performance and risk easier to understand and manage over time.

Growth Info

Historically, a 10,000 dollar starting amount growing at a 14.99 percent CAGR (compound annual growth rate) would roughly double about every five years, which is very strong. The max drawdown of about minus 19.6 percent means that at one point a 10,000 dollar peak could have fallen near 8,000 dollars before recovering. That’s less painful than many stock-only portfolios in big crashes, and fits a mid‑range risk score. Be aware that past returns reflect a period favorable to US and momentum‑tilted strategies, which may not repeat. Using that history mainly as a stress test guide, not a promise, helps set realistic expectations for future ups and downs.

Projection Info

The Monte Carlo analysis takes past return and volatility patterns and simulates 1,000 alternate futures, like rolling dice with historical stats baked in. The median outcome of roughly 268.8 percent cumulative gain looks great on paper, and 845 of 1,000 runs being positive reinforces that growth tilt. But the 5th percentile result around minus 54 percent shows that bad sequences of returns can still be brutal. Monte Carlo is only as useful as its assumptions; it cannot foresee regime shifts or structural market changes. Treat these projections as rough weather scenarios, then decide if the downside cases still feel acceptable for the time horizon and financial goals.

Asset classes Info

  • Stocks
    100%

All assets sit in stocks, with zero allocation to bonds, cash, or alternatives, which explains the “Low Diversity” flag despite holding multiple tickers. While a 100 percent stock allocation can be great for long time horizons and strong risk tolerance, a balanced profile usually mixes in some stabilizers to smooth the ride. This stock‑only design is well‑aligned with aggressive growth standards but not with capital‑preservation objectives. If stability or income ever becomes a bigger priority, introducing a sleeve of lower‑volatility assets or short‑term reserves could help reduce drawdowns. For investors comfortable with swings and focused on long‑run upside, staying equity‑dominant is fine, but it should be a deliberate, revisited choice, not an accident of past decisions.

Sectors Info

  • Financials
    25%
  • Technology
    23%
  • Industrials
    11%
  • Telecommunications
    10%
  • Energy
    8%
  • Consumer Staples
    6%
  • Health Care
    6%
  • Consumer Discretionary
    6%
  • Utilities
    2%
  • Real Estate
    1%
  • Basic Materials
    1%

Sector exposure is broad, with financials and technology together representing nearly half of the portfolio, supported by meaningful allocations to industrials, communication services, and energy. This is actually a healthy spread versus many portfolios that end up extremely tech‑concentrated. The sector mix lines up fairly well with major US benchmarks, which is a strong indicator of solid diversification within equities. The added aerospace and defense slice and energy stock position introduce more cyclical behavior, which can outperform in certain macro environments but may lag in slowdowns. Periodically checking that no single sector becomes an outsized driver of risk helps keep the portfolio from drifting into unintended bets as markets and leadership rotate.

Regions Info

  • North America
    95%
  • Europe Developed
    2%
  • Asia Emerging
    1%
  • Japan
    1%
  • Asia Developed
    1%

Geographic exposure is overwhelmingly US‑centric at about 95 percent North America, with only a small sliver in developed and emerging markets abroad. This US tilt has been a tailwind in the past decade, so the historical performance partly reflects that advantage. Common global benchmarks usually hold a much larger non‑US slice, so the home‑bias here is noticeable. Staying US‑heavy simplifies currency and political risk, which many investors like, but it also concentrates exposure to one economy and policy regime. If global diversification becomes a higher priority, slowly increasing non‑US exposure through broad international or world funds could spread risk without overcomplicating things. If not, at least recognize that outcomes are tightly linked to US market fortunes.

Market capitalization Info

  • Large-cap
    40%
  • Mega-cap
    37%
  • Mid-cap
    18%
  • Small-cap
    3%
  • Micro-cap
    1%

Most holdings fall in the mega and large‑cap range, with only a small dose of mid and smaller companies. Large and mega caps tend to be more stable, well‑covered, and liquid, which usually reduces individual company blow‑up risk compared with a heavy small‑cap tilt. This large‑cap bias is well‑aligned with major benchmarks and supports relatively smoother behavior within an all‑equity framework. The limited small and micro‑cap slice adds a bit of growth potential but will not dramatically change overall volatility. If a stronger “upside kicker” is desired and the risk tolerance is high, nudging exposure toward mids and smaller names through broad vehicles can help, while still letting mega caps anchor the core.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Vanguard Total World Stock Index Fund ETF Shares
    High correlation

The portfolio shows high correlation between the S&P 500 ETF and the total world ETF, which is expected since US stocks dominate global indexes. Correlation simply means the degree to which assets move together; highly correlated pieces tend to rise and fall at the same time, providing little diversification when it matters most. This allocation is still broadly diversified across companies, but some funds are effectively echoing the same market. Cleaning up overlapping positions can simplify monitoring and may slightly reduce risk without sacrificing much return potential. Keeping a lean set of complementary building blocks rather than many look‑alikes makes it easier to see what is truly driving performance and where risks are concentrated.

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 called the Efficient Frontier, this lineup could likely be reshuffled to get a smoother trade‑off without changing the underlying investments. Efficiency here simply means the best possible ratio of expected return to volatility for this specific set of assets, not perfection in diversification or taxes. One clear angle is reducing overlapping, highly correlated positions that do not add much risk reduction. Another is dialing the balance between momentum, core broad‑market exposure, and dividend tilt so each plays a defined role. Using optimization as a guide, not a rigid answer, can highlight how small shifts in weights might keep similar expected returns while trimming downside swings.

Dividends Info

  • Diamondback Energy Inc 2.60%
  • Schwab U.S. Dividend Equity ETF 2.80%
  • Charles Schwab Corp 1.10%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total World Stock Index Fund ETF Shares 1.60%
  • SPDR® S&P Aerospace & Defense ETF 0.60%
  • Weighted yield (per year) 1.16%

The overall dividend yield of about 1.16 percent is modest, reflecting the growth and large‑cap bias plus momentum exposure, which often favors faster‑growing companies over high payers. The dividend ETF and energy stock provide a bit of income ballast, which can be helpful in sideways markets, while still leaving room for capital appreciation. For someone prioritizing wealth building over current cash flow, this yield level is reasonable and keeps the focus on total return, meaning price gains plus dividends. If future goals shift toward income, gradually raising the share of dividend‑oriented or cash‑generating holdings could increase the payout stream, but it would likely trade off some upside and add exposure to slower‑growth companies.

Ongoing product costs Info

  • Schwab U.S. Dividend Equity ETF 0.06%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • SPDR® S&P Aerospace & Defense ETF 0.35%
  • Weighted costs total (per year) 0.08%

The average fund cost around 0.08 percent per year is impressively low and clearly a strength. Low TER (total expense ratio) means less drag on compounding, like having a car that wastes less fuel on the same trip. Over long periods, even a 0.3–0.5 percent annual fee difference can add up to thousands of dollars on a sizable portfolio. This allocation is well‑balanced from a cost standpoint and aligns closely with best‑practice guidance to keep fees minimal, especially when using broad index‑style funds. The key ongoing task is to avoid adding high‑fee niche products unless they bring clear, intentional benefits that cheaper options cannot reasonably provide.

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