Growth focused stock portfolio with strong US tilt and balanced mix of large and small companies
Report created on May 8, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 30.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 20.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 10.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
BR Berkshire Hathaway Inc
BRK-B - US0846707026 10.00%
This portfolio is a pure equity mix with six positions and no bonds or cash, so it sits firmly at the growth end of the spectrum. Around 70% sits in broad index-style ETFs spanning US large caps, global stocks, and international markets. The remaining 30% is in more focused positions: two small-cap value ETFs and a single large stock position in Berkshire Hathaway at 10%. This structure combines broad market exposure with a few intentional tilts. A 100% stock allocation usually means more ups and downs but more growth potential over long periods. The single-stock slice adds a bit of “stock picker” flavor on top of a mostly index-based core.
Growth
From late 2019 to May 2026, a $1,000 hypothetical investment grew to about $2,596, a compound annual growth rate (CAGR) of 15.6%. CAGR is like the average yearly speed over a long road trip, smoothing out bumps along the way. Over the same period, the US market slightly outpaced this at 16.09%, while the global market lagged at 13.55%. So the portfolio modestly underperformed the US but clearly outpaced global stocks overall. The worst drop, or max drawdown, was about -34.8% during early 2020, similar to the benchmarks, which is typical for an all-equity portfolio during a major shock.
Projection
The Monte Carlo projection looks at many possible futures by “replaying” and scrambling historical returns thousands of times. It uses the portfolio’s past volatility and return patterns to generate a range of 15‑year outcomes. Here, the median path turns $1,000 into about $2,771, or roughly 8% per year, with a fairly wide range: most scenarios fall between about $1,793 and $4,152. A small slice of outcomes are much higher or barely above break-even. This highlights that even for a historically strong portfolio, future results can vary a lot. Monte Carlo is a useful planning tool, but it’s still built on past data, which never guarantees what happens next.
Asset classes
- Stocks 100%
All holdings here are stocks, so the asset class breakdown is simple: 100% equities. That means the portfolio’s growth potential is tied entirely to company earnings, valuations, and global economic conditions rather than bond yields or cash returns. A pure equity mix typically experiences sharper swings, both up and down, especially during market stress. On the upside, equities have historically offered higher long-term returns than bonds or cash. Compared with a multi‑asset benchmark that mixes stocks and bonds, this portfolio will likely show higher volatility and deeper drawdowns, but also greater participation in long bull markets and strong recoveries after declines.
Sectors
- Financials 24%
- Technology 23%
- Industrials 11%
- Consumer Discretionary 11%
- Telecommunications 8%
- Health Care 7%
- Energy 5%
- Basic Materials 5%
- Consumer Staples 4%
- Utilities 2%
- Real Estate 1%
Sector exposure is fairly balanced, with no single sector dominating heavily. Financials and technology are the largest slices at 24% and 23%, followed by industrials and consumer discretionary at 11% each. The remaining sectors are spread across telecoms, healthcare, energy, materials, staples, utilities, and real estate, mostly in low single digits. This resembles a diversified broad-market equity profile rather than a niche theme. Tech and financials together still make up nearly half the portfolio, so headlines affecting banks, software, and chipmakers will matter. This kind of balance helps avoid over-reliance on one economic story, while still reflecting the modern economy’s tilt toward tech and financial services.
Regions
- North America 73%
- Europe Developed 11%
- Japan 6%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, the portfolio is clearly US-led: about 73% sits in North America, with the rest spread across Europe, Japan, developed Asia, emerging Asia, Australasia, Latin America, and Africa/Middle East. This is more US‑tilted than a typical global benchmark, where the US is large but not quite this dominant. The international slice, at roughly a quarter of the portfolio, still offers meaningful exposure to non‑US economies and currencies. This combination has historically benefited from strong US market performance while keeping some global diversification. It also means portfolio returns are strongly tied to US economic conditions and policy, though not exclusively.
Market capitalization
- Mega-cap 45%
- Large-cap 22%
- Mid-cap 17%
- Small-cap 10%
- Micro-cap 5%
Market cap exposure leans toward larger companies, with 45% in mega‑caps and 22% in large‑caps, but there’s a notable allocation down the size spectrum: 17% mid‑cap, 10% small‑cap, and 5% micro‑cap. Larger companies tend to be more stable, widely researched, and often dominate index performance. Smaller and micro‑caps can be more volatile and less liquid but sometimes offer higher long‑term growth potential because they’re earlier in their business life cycle. This structure largely mirrors a broad market hierarchy while deliberately adding a bit more small‑cap flavor through the Avantis ETFs, which can increase both diversification and short‑term bounciness.
True holdings
-
Part of fund(s):
- Vanguard S&P 500 ETF
-
NV NVIDIA Corporation 4.47%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 3.85%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 2.87%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.30%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.91%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.68%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.53%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.38%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.31%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Top 10 total 31.77%
Looking through the ETFs, Berkshire Hathaway is the largest underlying exposure at about 10.47% total, mainly from the direct 10% holding plus a small slice through ETFs. Several mega‑cap US tech and growth names—NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, Broadcom—appear via the index funds, with individual look‑through weights between about 1% and 4.5%. This reflects the dominance of these firms in modern indices. There is some overlap across ETFs, especially in those big tech names, which can subtly increase concentration in a handful of companies even though the surface-level ETF list looks diversified. Overlap might be understated since only top‑10 ETF holdings are captured.
Factors
Factor exposures are very close to neutral across all six measured factors: value, size, momentum, quality, yield, and low volatility. Factor exposure is like checking which “ingredients” drive returns—cheap vs expensive stocks (value), large vs small (size), steady vs jumpy (volatility), and so on. With all scores clustering around the 50% mark, this portfolio behaves much like a broad market index from a factor perspective, despite the small‑cap value components. That means it isn’t strongly leaning into any one academic return driver such as deep value or high momentum. This neutrality can be helpful if the goal is avoiding big bets on a single style.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 30.00% 30.3% -
Schwab U.S. Large-Cap Growth ETF
Weight: 20.00% 22.9% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 17.7% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 12.3% -
Avantis® International Small Cap Value ETF
Weight: 10.00% 8.7% - Top 5 risk contribution 91.9%
Risk contribution shows how much each holding drives overall volatility, which can differ from its weight. Here, the top three positions—Vanguard S&P 500, Schwab US Large-Cap Growth, and Vanguard Total International—make up 70% of the portfolio and contribute about 71% of total risk. The Schwab growth ETF and the US small-cap value ETF both contribute slightly more risk than their weights (risk/weight above 1), reflecting their higher volatility. Berkshire’s risk is blended into the indices holding it, but its 10% direct weight still matters. Overall, risk is reasonably aligned with position sizes, without a single ETF dominating risk out of proportion to its allocation.
Redundant positions
-
High correlationVanguard S&P 500 ETFSchwab U.S. Large-Cap Growth ETF
The correlation data highlight that the Schwab US Large-Cap Growth ETF and the Vanguard S&P 500 ETF move almost identically. Correlation measures how two investments move together, from -1 (opposite) to +1 (in lockstep). When assets are highly correlated, they tend to rise and fall at the same time, which limits diversification during market swings. In practice, this means the 50% combined weight in these two US large-cap funds behaves a lot like a single big US growth-heavy position, even though it’s split across two tickers. Other holdings, like international and small-cap value ETFs, help break that pattern somewhat, but US large caps remain a core driver.
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 below the efficient frontier by about 1.5 percentage points at its risk level. The efficient frontier is the curve showing the best return you could historically have achieved for each risk level using these same holdings in different weights. The Sharpe ratio, which measures return per unit of risk over a cash rate, is 0.65 for the current mix versus 0.87 for the “optimal” weighting and 0.69 for the minimum-variance version. That suggests the current allocation is decent but not fully efficient; in theory, simply reweighting these same funds could improve the balance between volatility and expected return.
Dividends
- Avantis® International Small Cap Value ETF 2.80%
- Avantis® U.S. Small Cap Value ETF 1.30%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.36%
The portfolio’s overall dividend yield is about 1.36%, modest but not negligible. Yield is the cash income from dividends as a percentage of the portfolio value, and it can be an important component of total return over time. The international small-cap value and international broad ETF have higher yields near 2.7–2.8%, while the US growth fund is much lower at 0.4%, reflecting its focus on companies that reinvest profits. This pattern is common: value and international stocks often pay more, high-growth names less. In total, the portfolio leans more toward growth than income, with dividends providing a small but steady background contribution.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.09%
Average costs are impressively low, with a blended total expense ratio (TER) of about 0.09%. TER is the annual fee charged by funds as a percentage of assets—like a management “subscription cost” taken out behind the scenes. Most of the allocation sits in very low-cost index ETFs from Vanguard and Schwab, while the more specialized Avantis small-cap value funds charge slightly higher fees, which is typical for active or factor-tilted strategies. Over decades, the difference between a 0.09% fee level and a much higher one compounds into a meaningful gap in ending wealth, so this low-cost structure is a real strength of the portfolio.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey