US large cap growth and dividend blend with heavy technology tilt and efficient risk allocation
Report created on May 10, 2026Risk profile
4/7
Diversification profile
2/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 69.36% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 7.89% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 7.72% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 7.65% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 7.38%
This portfolio is tightly focused and simple: five low-cost US equity ETFs, all stock, no bonds or alternatives. One holding dominates, with the S&P 500 ETF around two-thirds of the total, and the other four funds each under 10%. That makes the S&P 500 fund the main driver of overall behavior. The mix adds growth exposure via NASDAQ 100 and a large-cap growth ETF, plus a dedicated US dividend equity ETF for income. Structurally, this is a concentrated expression of the US stock market with a growth and dividend flavor layered on top. The streamlined structure is easy to follow, but diversification across regions and asset types is intentionally limited.
Growth
Over the period from late 2020 to early May 2026, $1,000 grew to about $2,250, implying a compound annual growth rate (CAGR) of 15.74%. CAGR is like average speed on a road trip: it smooths out the ups and downs into one yearly number. The portfolio’s return was almost identical to the broad US market benchmark and ahead of the global market by a bit over two percentage points per year. The worst peak‑to‑trough decline was about -25%, very similar to the US market’s drawdown. This shows the portfolio has behaved much like a US equity index overall. As always, past performance shows how it behaved, not what it will do next.
Projection
The Monte Carlo projection uses the portfolio’s historical behavior to simulate many possible future paths, a bit like rolling dice 1,000 times using past returns and volatility as inputs. After 15 years, the median outcome grows $1,000 to around $2,696, with a broad “likely” middle range between roughly $1,758 and $4,098. There are also more extreme but still plausible outcomes, from about $884 on the low end to $7,541 on the high end. The average across all simulations implies an annualized return of about 7.9%, and roughly 72% of simulations end positive. These numbers illustrate uncertainty: the same starting portfolio can reasonably lead to very different long‑term results.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash-like instruments, or alternative assets. Asset classes are the broad building blocks of a portfolio, and different classes tend to react differently to economic shocks. A 100% stock allocation typically brings higher long‑term growth potential but also larger swings in value, especially over short and medium horizons. Compared with a multi‑asset mix that includes bonds or cash, this structure puts all risk and return in the equity bucket. That lines up with the “Balanced Investors” label mainly because of how those stocks are diversified internally, but it still leaves the portfolio fully exposed to equity market cycles.
Sectors
- Technology 35%
- Telecommunications 11%
- Financials 11%
- Consumer Discretionary 10%
- Health Care 10%
- Industrials 8%
- Consumer Staples 6%
- Energy 4%
- Utilities 2%
- Basic Materials 2%
- Real Estate 2%
Sector-wise, technology is the standout at about 35%, with telecommunications and financials next at around 11% each. Consumer discretionary, healthcare, and industrials each hold meaningful allocations, while staples, energy, utilities, materials, and real estate are smaller slices. This pattern is broadly consistent with large US equity indices today, which are also tech-heavy, but your tech share is slightly elevated by the NASDAQ 100 and growth ETFs. High tech exposure often helps during innovation and growth cycles but can amplify sensitivity to interest rate moves or shifts in market sentiment around high‑growth companies. The presence of income-oriented dividend holdings softens this somewhat by including steadier, cash‑generating businesses.
Regions
- North America 99%
Geographically, the portfolio is almost entirely concentrated in North America, at roughly 99%. Geography matters because companies based in different regions face different economic conditions, regulatory environments, and currencies. Many large US firms do earn revenue globally, but their share prices still move mainly with the US market. Compared with a “world” index, which would spread exposure more across Europe, Asia, and emerging markets, this portfolio is firmly anchored to one region. That has worked well over the last decade as US markets have outperformed many others, which your performance relative to global benchmarks reflects. It also means that portfolio outcomes will be closely tied to the US economic and policy backdrop going forward.
Market capitalization
- Mega-cap 44%
- Large-cap 37%
- Mid-cap 18%
- Small-cap 1%
By market capitalization, the portfolio leans strongly toward bigger companies: about 44% in mega‑caps, 37% in large‑caps, 18% in mid‑caps, and only 1% in small‑caps. Market cap describes company size, and size can influence how a stock behaves. Large and mega‑caps tend to be more established, heavily followed, and often less volatile than very small firms. Mid‑caps introduce some additional growth potential while keeping risk moderate. The tiny slice in small‑caps means the portfolio participates minimally in that segment’s sometimes higher but bumpier returns. This size mix is broadly similar to major US indices, so the portfolio’s behavior by company size is very close to the overall US stock market profile.
True holdings
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NV NVIDIA Corporation 7.24%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 6.35%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 4.70%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 3.63%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.97%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.62%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 2.42%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 2.22%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.98%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
BR Berkshire Hathaway Inc 1.19%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 35.32%
Looking through ETF top holdings, a handful of big names stand out: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Berkshire together make up a notable share of the total. Because the same companies appear in several ETFs, their true impact is larger than any single fund suggests. For example, NVIDIA alone accounts for over 7% of the portfolio via multiple products; Apple and Microsoft add more stacked on top. This “overlap” creates hidden concentration: if these few large companies move sharply, they can drive a big part of portfolio returns. The overlap numbers are based only on ETF top‑10 positions, so actual concentration across all holdings is likely somewhat higher than shown.
Factors
Factor exposures here are strikingly balanced. Across value, size, momentum, quality, low volatility, and yield, the scores all sit near the 50% mark, which represents market average. Factors are like characteristics that explain why groups of stocks behave the way they do—such as being cheap, fast‑rising, stable, or high‑dividend. A strong tilt to one factor can make a portfolio behave very differently from the market in certain environments. In this case, there are no pronounced tilts: the factor profile looks broadly like a standard diversified equity index. That helps explain why performance and drawdowns track the US market so closely, and it suggests the portfolio is not making concentrated bets on any single style.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 69.36% 67.9% -
Invesco NASDAQ 100 ETF
Weight: 7.89% 9.8% -
Schwab U.S. Large-Cap Growth ETF
Weight: 7.65% 9.5% -
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 7.72% 7.8% -
Schwab U.S. Dividend Equity ETF
Weight: 7.38% 5.0%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from its weight. The S&P 500 ETF, at about 69% weight, contributes roughly 68% of total risk—almost a one‑for‑one match. The NASDAQ 100 and large‑cap growth ETFs together make up about 15.5% of weight but contribute nearly 20% of risk, reflecting their growth and tech orientation. Meanwhile, the dividend ETF carries about 7.4% of weight but only about 5% of risk, behaving as a somewhat steadier component. The top three holdings together account for over 87% of total risk, underscoring that a small set of positions largely determines the portfolio’s volatility, even though everything is in diversified index funds.
Redundant positions
-
High correlationSchwab U.S. Large-Cap Growth ETFInvesco NASDAQ 100 ETF
-
High correlationVanguard Total Stock Market Index Fund ETF SharesVanguard S&P 500 ETF
The correlation snapshot shows that two fund pairs move almost identically: the NASDAQ 100 ETF with the large‑cap growth ETF, and the S&P 500 ETF with the total US market ETF. Correlation measures how often assets move in the same direction; when it’s very high, the diversification benefit between those positions is limited. In practical terms, the NASDAQ and large‑cap growth funds both emphasize similar types of companies, so they behave like closely related slices of the same growth segment. Likewise, the S&P 500 already covers most of the total US market, so adding a total market ETF mainly tweaks exposure to smaller companies at the margin. The portfolio’s diversification mostly comes from broad market coverage rather than low‑correlation pockets.
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 vs. return chart, the current portfolio sits on or very close to the efficient frontier. The efficient frontier represents the best possible trade‑offs between risk and return using different weightings of the existing holdings. Your portfolio’s Sharpe ratio—about 0.71—compares reasonably with the optimal mix’s 0.93 and the minimum‑variance portfolio’s 0.89. The Sharpe ratio measures return earned per unit of risk, after accounting for a risk‑free rate, like judging how much “extra” reward you get for each bump in the ride. Being near the frontier indicates that, given these five ETFs, the current allocation uses them in a risk‑efficient way; there is no glaring inefficiency in how the pieces are combined.
Dividends
- Invesco NASDAQ 100 ETF 0.40%
- Schwab U.S. Dividend Equity ETF 3.30%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Weighted yield (per year) 1.15%
The overall dividend yield is around 1.15%, with a wide spread across the individual funds. The NASDAQ 100 and large‑cap growth ETFs yield about 0.4%, reflecting their focus on companies that tend to reinvest earnings rather than pay high dividends. The S&P 500 and total market ETFs yield around 1–1.1%, close to the broader US market average. The standout is the dividend equity ETF at roughly 3.3%, which pulls up the portfolio’s income stream despite its smaller weight. Dividends can be an important component of total return over time, especially when reinvested, and here they act more as a modest supplement than a dominant driver of overall performance.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- Schwab U.S. Dividend Equity ETF 0.06%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.04%
Costs are impressively low across the board. The total expense ratio (TER) for the portfolio is about 0.04%, with individual ETFs ranging from 0.03% to 0.15%. TER is the annual percentage fee charged by a fund, quietly taken out of returns each year. Small differences compound a lot over long periods, so keeping this number low leaves more growth in your own pocket. In this case, the cost structure is very competitive even compared with other index‑tracking options. The higher‑fee NASDAQ 100 position still only charges 0.15%, and it’s a relatively small slice of the whole. Overall, the low-cost foundation is a clear strength and supports better long‑term compounding.
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