Balanced growth portfolio with strong large cap tilt and modest crypto and real estate satellite positions

Report created on Apr 8, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

This portfolio is mostly built from broad, low-cost ETFs, with a few focused “satellite” positions around the edges. About half sits in two core equity funds split between domestic growth and international stocks, which gives a solid global backbone. Another meaningful slice leans into dividend payers, while a smaller chunk targets cybersecurity and momentum, adding a bit of punch. A 5% allocation to bitcoin plus several real estate stocks rounds it out. Structurally, this looks like a classic core–satellite setup: a diversified base with a few targeted bets. That kind of design can work well for someone wanting broad market exposure while still expressing specific views, as long as the satellites don’t grow too dominant over time.

Growth Info

Over the available period, $1,000 grew to about $1,374, giving a compound annual growth rate (CAGR) of 15.43%. CAGR is like your average speed on a road trip — it smooths out the bumps to show typical yearly progress. Compared with the US and global markets, this return lagged by around 1.5–1.9 percentage points per year but with a similar maximum drawdown around -17%. That means the portfolio took roughly market-like hits in bad periods but didn’t fully keep up in good ones. Historically, that’s still a strong outcome in absolute terms, but it shows that being diversified and slightly defensive can sometimes trail very aggressive benchmarks during strong bull runs.

Projection Info

The Monte Carlo simulation projects many possible paths for the next 15 years by remixing patterns from past returns and volatility. Think of it as running the portfolio through 1,000 different alternate histories to see a range of endings for $1,000 invested. The median outcome lands around $2,801, with a broad “likely” band from roughly $1,813 to $4,426. There are also more extreme, but still possible, results from about $1,012 to $8,227. Across all simulations, the average annual return comes out near 8.36%. These numbers are helpful for planning, but they’re not promises: they assume the future behaves somewhat like the past, which is never guaranteed, especially around shocks, interest rates, or policy changes.

Asset classes Info

  • Stocks
    95%
  • Crypto
    5%

Asset allocation is very straightforward: about 95% in equities and 5% in crypto, with no separate bonds or cash sleeve in the mix. For a “balanced” risk score, this is actually quite growth-heavy, which helps explain the strong historical performance and the sizable drawdown. Equities are the main long-term growth engine, but they also drive most of the short-term ups and downs. The small bitcoin position adds another volatile ingredient, but at a contained size. Compared with many balanced benchmarks that might include a meaningful bond slice, this setup leans clearly toward capital growth rather than capital preservation. Anyone using this as a full portfolio might think of fixed income or cash as sitting elsewhere, not inside this allocation.

Sectors Info

  • Technology
    28%
  • Financials
    10%
  • Health Care
    10%
  • Industrials
    10%
  • Real Estate
    9%
  • Telecommunications
    7%
  • Consumer Discretionary
    7%
  • Consumer Staples
    6%
  • Energy
    5%
  • Basic Materials
    2%
  • Utilities
    1%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is tilted toward technology at 28%, but it’s not extreme compared with modern equity benchmarks where tech often dominates. Financials, health care, and industrials are each around 10%, and most other sectors are meaningfully represented, which is a positive sign for diversification. Real estate stands out at 9% when you combine the dedicated REITs with what’s in the ETFs, giving this portfolio a bit more sensitivity to property values and interest rates. A higher tech and real estate mix can do well when growth is strong and rates are stable, but may feel more pressure during rate spikes or real estate downturns. Overall, though, the sector spread is fairly balanced and aligns reasonably well with broad market norms.

Regions Info

  • North America
    72%
  • Europe Developed
    12%
  • Japan
    5%
  • Asia Developed
    2%
  • Australasia
    2%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 72% is in North America, with the rest spread mainly across developed markets in Europe, Japan, and other regions. That home bias toward North America is very common for US-based investors and has been rewarded over the last decade as US equities outperformed much of the world. At the same time, global benchmarks generally give a bit more weight to non-US markets, so this portfolio runs somewhat more tied to the US economy, policy, and currency. The international sleeve via the dedicated ETF does a good job avoiding a single-country bet, but the center of gravity is still clearly US-centric. That’s fine if one is comfortable riding US market cycles, as long as it’s a conscious choice.

Market capitalization Info

  • Large-cap
    39%
  • Mega-cap
    30%
  • Mid-cap
    19%
  • Small-cap
    4%
  • Micro-cap
    2%

This breakdown covers the equity portion of your portfolio only.

Market cap exposure is firmly tilted toward bigger companies, with about 69% in mega- and large-caps and much smaller slices in mid-, small-, and micro-caps. Larger firms tend to be more stable, more liquid, and better covered by analysts, so their prices usually move less erratically than tiny, speculative names. That can keep volatility more manageable while still capturing broad equity growth. On the flip side, it means less exposure to the potential “hidden gems” or faster-growing smaller companies, which can lead during certain market cycles. From a risk standpoint, this large-cap bias aligns well with the portfolio’s balanced risk score and supports smoother compounding compared with a heavy small-cap tilt.

True holdings Info

  • Grayscale Bitcoin Mini Trust (BTC)
    5.00%
    Part of fund(s):
    • iShares Bitcoin Trust
  • NVIDIA Corporation
    2.88%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
  • Apple Inc
    2.51%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
  • National Retail Properties Inc
    2.00%
  • Microsoft Corporation
    1.85%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
  • Broadcom Inc
    1.82%
    Part of fund(s):
    • First Trust NASDAQ Cybersecurity ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard U.S. Momentum Factor
  • Equinix Inc
    1.60%
  • First Industrial Realty Trust Inc
    1.60%
  • Kimco Realty Corporation
    1.60%
  • Amazon.com Inc
    1.37%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
  • Top 10 total 22.22%

Looking through the ETFs, there’s notable exposure to a handful of mega names like NVIDIA, Apple, Microsoft, Broadcom, and Amazon, plus bitcoin via the trust. Some of these appear across multiple funds, creating hidden concentration even though each ETF looks diversified by itself. For example, the big tech names show up in several products, meaning their moves may influence the entire portfolio more than the surface weights imply. The real estate stocks are mostly unique, so they diversify that effect somewhat. Because the analysis only covers ETF top-10 holdings, actual overlap is probably a bit higher. Being aware of this underlying clustering helps set expectations: large tech and bitcoin price swings can echo throughout more of the portfolio than you might guess from the ticker list alone.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 95%
Size
Exposure to smaller companies
Neutral
Data availability: 95%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 95%
Quality
Preference for financially healthy companies
Neutral
Data availability: 95%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 95%

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.

Factor exposure — the portfolio’s tilt toward characteristics like value, size, momentum, quality, yield, and low volatility — looks mostly neutral, meaning it resembles the wider market on most dimensions. The standout is low volatility, which is mildly elevated at 62%. Low volatility as a factor means the holdings, on average, have historically been a bit steadier than the market, like picking companies that wobble less day to day. That tilt can support smoother rides in choppy markets but might lag during sharp, speculative rallies when high-risk names surge. Overall, this factor profile is nicely balanced. It suggests performance is likely to be driven more by broad market moves and asset allocation than by aggressive factor bets.

Risk contribution Info

  • Schwab U.S. Large-Cap Growth ETF
    Weight: 24.50%
    29.6%
  • Schwab International Equity ETF
    Weight: 24.50%
    21.0%
  • Schwab U.S. Dividend Equity ETF
    Weight: 21.00%
    13.5%
  • First Trust NASDAQ Cybersecurity ETF
    Weight: 10.00%
    11.9%
  • Vanguard U.S. Momentum Factor
    Weight: 7.00%
    9.5%
  • Top 5 risk contribution 85.4%

Risk contribution shows how much each holding actually drives the portfolio’s ups and downs, which can differ from its simple weight. Here, the largest domestic growth ETF is about 24.5% of assets but contributes almost 30% of total risk. The cybersecurity and momentum funds also punch slightly above their weight in terms of volatility. Meanwhile, the international and dividend ETFs carry less risk than their sizes might imply, thanks to broader diversification and more defensive profiles. The top three positions together account for about 64% of total risk, which is material but not extreme. For someone aiming to keep any single “bucket” from dominating behavior, that concentration level is workable, especially given how diversified those top ETFs are internally.

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–return chart, the current portfolio sits below the efficient frontier by about 2.27 percentage points at its risk level. The efficient frontier represents the best possible return for each level of risk using only the existing holdings in different mixes. The Sharpe ratio, which measures return per unit of risk, is 0.82 for the current setup versus 1.16 for the optimal blend and 0.97 for the minimum-variance option. In plain terms, the ingredients are strong, but the recipe could be stirred a bit more efficiently. Reweighting the same holdings — without adding anything new — could slightly improve the trade-off between volatility and expected return while keeping the overall character of the portfolio intact.

Dividends Info

  • First Trust NASDAQ Cybersecurity ETF 0.60%
  • Equinix Inc 1.90%
  • First Industrial Realty Trust Inc 2.30%
  • Kimco Realty Corporation 4.50%
  • National Retail Properties Inc 5.50%
  • Schwab U.S. Dividend Equity ETF 3.50%
  • Schwab International Equity ETF 3.30%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard U.S. Momentum Factor 0.70%
  • VICI Properties Inc 4.80%
  • Weighted yield (per year) 2.06%

The overall dividend yield sits around 2.06%, with a meaningful boost from the dedicated dividend ETF and the real estate names, some of which yield between 4–5%+. Yield is simply the annual cash payment divided by price — like a paycheck your investments send you, before price changes. Growth- and momentum-oriented ETFs yield less but focus on capital appreciation. This blend means income is a steady but not dominant part of total return; most of the heavy lifting is expected to come from price growth. That structure works well for investors who like some cash flow but don’t want to sacrifice too much growth potential by chasing only high-yielding holdings.

Ongoing product costs Info

  • First Trust NASDAQ Cybersecurity ETF 0.59%
  • iShares Bitcoin Trust 0.12%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab International Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard U.S. Momentum Factor 0.13%
  • Weighted costs total (per year) 0.11%

Costs are impressively low overall, with a blended total expense ratio (TER) around 0.11%. TER is the ongoing fee charged by funds each year as a percentage of assets — like a small service charge that never shows up as a separate line item but still reduces returns. The core Schwab ETFs are extremely cheap, which is a big plus, while the focused cybersecurity fund is pricier but kept to a modest weight. Over long horizons, even small fee differences compound meaningfully, so this fee structure is a real strength. It lets more of the portfolio’s returns stay in the account instead of being siphoned off, which supports better long-term performance.

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