A growth portfolio that skipped bonds and basically went all in on global stock market vibes
Report created on Feb 18, 2026Risk profile
5/7
Diversification profile
4/5
Positions
-
SC Schwab U.S. Large-Cap ETF
SCHX - US8085242019 65.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 15.00%
This setup is a three-fund cosplay of “I read one Bogleheads thread and stopped there.” Roughly two-thirds in US large caps, one-fifth in total international, and a spicy 15% in international small-cap value. Structure-wise, it’s actually not dumb: it broadly tracks the world with a value tilt. The catch is you’re fully chained to the stock-market roller coaster, no seatbelt from safer assets. Compared with many standard “growth” allocations, this one ditches bonds more aggressively. If stability or near-term withdrawals matter, folding in some lower-volatility assets could keep this from feeling like a margin account during the next crash.
Growth
Historically this thing has ripped: a 15.7% CAGR (Compound Annual Growth Rate, aka your average speed on a wild road trip) is firmly in “don’t get used to this” territory. Turn $10k into roughly $40k over 10 years and you start feeling like a genius. But the -35% max drawdown is your reminder that stocks don’t care about your feelings. That’s a one-third portfolio haircut in a bad stretch, roughly in line with major equity indexes in ugly years. Past data is like old weather reports: useful, but they don’t stop storms. Plan assuming lower future returns and similar or worse drops.
Projection
The Monte Carlo simulation here is basically a thousand “what if” timelines where returns and volatility bounce around randomly based on history. Median outcome at ~547% screams “you’ll be fine,” and even the 5th percentile just barely above break-even looks friendly. But Monte Carlo loves neat math, not real-world chaos, and assumes the future mostly behaves like the past. That’s optimistic. This portfolio will crush in long bull markets and feel absolutely awful in prolonged bear ones. Treat optimistic projections as “best-case-ish,” not a promise. Run mental tests: could you keep investing if you saw a 40–50% drop and years of flat performance?
Asset classes
- Stocks 99%
- Cash 1%
Asset classes here are basically “stocks and… that’s it.” You’ve got 99% in equities, 1% in cash, and zero love for bonds, real assets, or anything that might soften a punch. That’s textbook aggressive growth and about as subtle as drinking espresso at midnight. Over decades, this can work brilliantly if the investor has iron nerves and no near-term cash needs. But when everything’s equity, the only diversification you get is between different flavors of pain during a crash. If sleep, near-term goals, or job uncertainty matter, slowly layering in some lower-volatility assets could turn this from “all gas” to “gas with at least one brake pedal.”
Sectors
- Technology 25%
- Financials 15%
- Industrials 13%
- Consumer Discretionary 11%
- Health Care 8%
- Telecommunications 8%
- Basic Materials 6%
- Consumer Staples 5%
- Energy 4%
- Utilities 2%
- Real Estate 2%
Sector spread is surprisingly reasonable: tech at 25% (index-level addiction, not full-on junkie), then financials, industrials, consumer cyclicals following. You’re basically hugging global sector weights with a slight lean into the usual high-growth suspects. That’s fine… until the tech darlings face a multi-year slump and suddenly 25% of your money is stuck in “earnings reset mode.” Sector diversification can’t dodge full-blown market crashes, but it helps avoid single-theme disasters. Don’t chase fads or start “fixing” this by overweighting whatever’s hot on financial TV. Let sectors drift with the global market, rebalancing occasionally instead of trying to outguess the economy.
Regions
- North America 68%
- Europe Developed 13%
- Japan 8%
- Asia Emerging 3%
- Asia Developed 3%
- Australasia 2%
- Africa/Middle East 2%
Geography screams “US is home and everyone else gets a guest pass.” About 68% North America, with the rest dripped across Europe, Japan, and small allocations to emerging markets. This is more balanced than a pure US-home-bias portfolio, but still clearly America-centric. That works when US stocks dominate; it feels dumb if a decade shows non-US markets finally waking up. Global investing is like not betting your entire future on one country’s politics, currency, and growth story. Keeping a meaningful but not overwhelming slice abroad, like you have, is actually one of the more grown-up parts of this setup. Just resist cutting it when US outperforms.
Market capitalization
- Mega-cap 36%
- Large-cap 28%
- Mid-cap 26%
- Small-cap 8%
- Micro-cap 1%
Market-cap mix is mostly big and mega caps (over 60%), with some mid and a tiny sprinkle of small and micro. Translation: most of your money rides the global corporate giants, with a side quest in scrappy small-cap value overseas. That tilt can pay off long-term but will absolutely underperform in some stretches, making you question your life choices. It’s still not a crazy “lottery-ticket small-cap” portfolio, more like a normal index with a nerdy factor twist. If you’re going to play this game, you need patience measured in decades, not quarters. Constantly fiddling with the cap mix is a great way to lock in regret.
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.
Risk versus return here is basically “I’ll take the full stock market ride, thanks.” For a growth profile, that’s not insane, but you’re sitting well toward the spicy side of the Efficient Frontier. That’s the curve showing the best return you can reasonably expect for each level of risk—think “most miles per gallon for a given speed.” You’re going faster with decent mileage, but there’s zero shock absorber from safer assets. Historically, the trade-off has worked, but it demands emotional discipline. If big drops would cause panic tinkering, the portfolio is less “efficient” in real life because behavior ruins the math. The design is solid; the human factor is the real risk.
Dividends
- Avantis® International Small Cap Value ETF 2.70%
- Schwab U.S. Large-Cap ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.90%
- Weighted yield (per year) 1.70%
A total yield around 1.7% is basically “here’s a little pocket money, don’t quit your job.” The international funds carry more of the dividend weight, while US large caps lean growthier. Nothing wrong with that, but it’s not an income machine—it’s a growth engine with a small coupon attached. Chasing higher yield by loading up on dividend-heavy stuff can backfire if you end up in slow-growing or overpriced “yield traps.” Using dividends as a bonus, not a paycheck, fits this structure better. For actual income needs, you’d want a more deliberate design instead of hoping these payouts magically scale to your lifestyle.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Schwab U.S. Large-Cap ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.08%
Costs are almost suspiciously good. A total expense ratio of 0.08% is “I actually read the fee line” territory. You’ve got the dirt-cheap Schwab and Vanguard workhorses doing most of the lifting, with Avantis slightly pricier but still reasonable for a more specialized tilt. Over decades, low fees are one of the few things you can actually control, and you haven’t messed that up—congrats, you must have misclicked in the right direction. Just don’t ruin it later by piling on expensive niche products because some shiny brochure promised “uncorrelated alpha.” Keep the core cheap and boring; it quietly compounds while hype products disappoint.
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