Growth leaning US equity portfolio with strong large cap focus and balanced style exposures
Report created on Aug 5, 2026Risk profile
5/7
Diversification profile
3/5
Positions
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SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 38.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 34.00% -
SC Schwab U.S. Small-Cap ETF
SCHA - US8085246077 10.00% -
SC Schwab International Equity ETF
SCHF - US8085248057 8.50% -
SC Schwab Emerging Markets Equity ETF
SCHE - US8085247067 5.50% -
AR Arrowhead Pharmaceuticals Inc
ARWR - US04280A1007 2.50% -
PR ProQR Therapeutics BV
PRQR - NL0010872495 1.50%
This portfolio is a concentrated all‑equity mix anchored in five broad ETFs plus two individual biotech stocks. Around 72% sits in two US funds: one focused on large‑cap growth and one focused on dividend‑paying companies. Smaller slices add US small caps, developed international stocks, and emerging markets, so there is some global reach but a clear home bias to the US. The two single stocks are a relatively small 4% of the total but introduce very specific company risk. Structurally this is a straightforward, equity‑only setup: easy to understand, fully invested in stocks, and driven mainly by broad index ETFs with a modest satellite exposure to individual names.
Growth
Over the period from 2016 to mid‑2026, a hypothetical $1,000 in this portfolio grew to about $4,078. That translates to a compound annual growth rate (CAGR) of 15.17%, slightly ahead of the broad US market and meaningfully above the global market. CAGR is like your average speed on a long road trip, smoothing out bumps along the way. The worst drop, or max drawdown, was around ‑35%, a bit deeper than the benchmarks during the 2020 crash but recovered in about five months. This pattern shows strong long‑term growth with drawdowns typical for an all‑equity, growth‑oriented mix, and historically it has been rewarded with better returns than broad global equities.
Projection
The Monte Carlo projection uses past returns and volatility to simulate many possible 15‑year futures for this same mix. Think of it as running 1,000 alternate timelines where markets wiggle differently each time, then seeing the range of outcomes. Here, the median ending value for $1,000 is about $2,701, with a “middle” band from roughly $1,815 to $4,140 and a wide band from about $932 to $8,354. The average simulated annual return is 8.14%, lower than the historical 15% CAGR, which is a cautious adjustment. These numbers aren’t predictions; they just illustrate how uncertain long‑term stock outcomes can be, even for a portfolio with strong historical results.
Asset classes
- Stocks 100%
All of this portfolio sits in one asset class: equities. That means there’s no built‑in cushion from bonds, cash, or alternative assets that might act differently in big market sell‑offs. An all‑stock portfolio can grow faster over long periods but generally swings more in the short term. Within equities, though, there is some variety: large, mid, small, and micro caps plus multiple regions. So diversification is happening inside the stock bucket, not across different asset classes. This matches the “growth” label in the overview and explains why the risk score is on the higher side, entirely driven by stock market behavior.
Sectors
- Technology 27%
- Health Care 17%
- Financials 12%
- Consumer Discretionary 9%
- Consumer Staples 9%
- Industrials 9%
- Telecommunications 8%
- Energy 6%
- Basic Materials 2%
- Real Estate 1%
- Utilities 1%
Sector‑wise, the portfolio leans heavily on areas that often drive modern equity markets. Technology is the largest slice at 27%, followed by meaningful exposure to health care, financials, consumer sectors, and industrials. Smaller allocations exist in energy, telecommunications, materials, real estate, and utilities, so almost every major sector is represented. Relative to broad global benchmarks, the tech and health care shares look on the higher side, which can boost growth when innovation and earnings are strong. However, these sectors can also be sensitive to interest rates, regulation, and sentiment shifts, so this sector mix tends to produce noticeable ups and downs rather than a muted ride.
Regions
- North America 85%
- Europe Developed 6%
- Asia Emerging 3%
- Asia Developed 3%
- Japan 2%
- Africa/Middle East 1%
- Australasia 1%
Geographically, about 85% of the portfolio is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and emerging regions. This is a stronger US tilt than a typical global index, where the US is usually closer to 60%. A US focus has helped over the last decade because US large caps, especially tech and growth names, have led world markets. The flip side is that most of the portfolio’s fortunes are tied to one economy, one policy environment, and one currency. The international and emerging allocations help, but global diversification is still secondary to the dominant US exposure.
Market capitalization
- Large-cap 41%
- Mega-cap 27%
- Mid-cap 18%
- Small-cap 9%
- Micro-cap 4%
By market cap, the portfolio is anchored in bigger companies: 27% in mega‑caps and 41% in large caps, with mid caps, small caps, and micro caps making up the rest. This structure is broadly similar to global stock markets, which are naturally top‑heavy, but the explicit 10% in a US small‑cap ETF and a 4% micro‑cap slice tilt it slightly more down the size spectrum. Larger companies tend to be more stable and better researched, while smaller ones can be more volatile but also more responsive to economic cycles and news. This mix gives a core of established names with a modest satellite of higher‑beta smaller companies.
True holdings
-
AA Apple Inc. 4.04%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
NV NVIDIA Corporation 3.74%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
-
MS Microsoft Corporation 2.36%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AM Amazon.com Inc 1.80%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class A 1.60%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AB Abbott Laboratories 1.60%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
-
AM Amgen Inc 1.48%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
MR Merck & Company Inc 1.47%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
- Top 10 total 22.09%
The look‑through view shows how concentrated some exposures are once ETF holdings are combined. For example, Apple, NVIDIA, Microsoft, Amazon, and Alphabet together make up a noticeable portion of the portfolio through the ETFs, even though they don’t appear as direct holdings. On top of that, Arrowhead and ProQR appear as standalone positions, giving specific biotech bets outside the diversified funds. Only ETF top‑10 positions are captured, so overlap is likely understated, but it still highlights that a handful of mega‑cap tech and health‑related names are key drivers. This hidden concentration is typical of US‑heavy index portfolios and helps explain the growth‑oriented behavior.
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.
The factor exposure profile is remarkably balanced. All six measured factors — value, size, momentum, quality, yield, and low volatility — sit in the neutral band close to 50%, which represents a market‑like stance. Factors are essentially traits that explain why some stocks behave differently from others, such as being cheaper (value), more stable (low volatility), or faster‑moving (momentum). A strong tilt toward any one factor can make a portfolio behave differently from the broad market in specific environments. Here, the lack of strong tilts suggests behavior that should roughly track broad equity markets, with no extreme bets on any single factor style.
Risk contribution
-
Schwab U.S. Large-Cap Growth ETF
Weight: 38.00% 42.2% -
Schwab U.S. Dividend Equity ETF
Weight: 34.00% 27.6% -
Schwab U.S. Small-Cap ETF
Weight: 10.00% 11.5% -
Schwab International Equity ETF
Weight: 8.50% 7.0% -
Arrowhead Pharmaceuticals Inc
Weight: 2.50% 4.9% - Top 5 risk contribution 93.3%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. The US large‑cap growth ETF is 38% of the portfolio but contributes about 42% of the risk, while the small‑cap ETF is 10% of weight and 11.5% of risk. More striking, Arrowhead is only 2.5% of the portfolio yet contributes nearly 5% of total risk, reflecting its higher volatility. The top three holdings account for over 80% of the risk, so most of the ride is determined by those core ETFs. This pattern is normal for a concentrated, ETF‑centric equity mix with a couple of volatile single‑stock satellites.
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.
The efficient frontier analysis shows this portfolio sitting below the best‑possible line for its current holdings. The Sharpe ratio, which measures return per unit of risk above the risk‑free rate, is 0.68 for the current mix versus 0.97 for the optimal mix using the same components. Being about 1.5 percentage points below the frontier at this risk level means the same set of ETFs and stocks could, in theory, be combined differently for a better risk‑return balance. At the same time, the current Sharpe is fairly close to the minimum‑variance portfolio’s 0.70, so it already delivers a reasonable tradeoff while leaning clearly toward higher expected returns.
Dividends
- Schwab U.S. Small-Cap ETF 1.00%
- Schwab U.S. Dividend Equity ETF 3.10%
- Schwab Emerging Markets Equity ETF 2.60%
- Schwab International Equity ETF 3.00%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Weighted yield (per year) 1.70%
The portfolio’s total dividend yield is around 1.7%, with a big contribution from the US dividend equity ETF and the international and emerging markets funds. The large‑cap growth ETF yields very little, which is typical for growth‑oriented companies that reinvest profits instead of paying them out. Dividends matter because they form one component of total return alongside price changes, and they can add a small stream of cash even when markets are flat. In this setup, income is clearly a secondary feature: the yield is modest, but it sits on top of a growth‑driven capital appreciation profile rather than being the main focus.
Ongoing product costs
- Schwab U.S. Small-Cap ETF 0.04%
- Schwab U.S. Dividend Equity ETF 0.06%
- Schwab Emerging Markets Equity ETF 0.11%
- Schwab International Equity ETF 0.06%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Weighted costs total (per year) 0.05%
Costs are a strong point here. The total expense ratio (TER) across the ETFs averages about 0.05% per year, which is extremely low by historical and industry standards. TER is the ongoing fee charged by a fund, similar to a small membership fee that’s automatically deducted from assets. Because these funds track broad indexes and are run efficiently, their costs leave more of the portfolio’s gross return in your hands. Over long periods, even small fee differences compound, so this kind of cost discipline provides a solid structural advantage. It supports the portfolio’s growth potential without quietly eroding it through high charges.
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