Growth focused equity portfolio with value and small cap tilt plus moderate dividend income

Report created on Apr 27, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is a 100% equity mix built entirely from broad and focused stock ETFs, with no bonds or cash buffers included in the structure. Two large core positions in US dividend and broad US market funds together make up half of the allocation, giving a strong backbone of diversified large companies. Around 30% is tilted toward smaller company and value strategies, and another 10% is concentrated in the semiconductor theme, with the rest in broad international stocks. A setup like this aims to combine a diversified core with a few targeted tilts. The absence of defensive assets means portfolio swings will mostly follow global stock markets, but with some extra movement from the smaller companies and sector focus.

Growth Info

From late 2019 to April 2026, a hypothetical $1,000 in this portfolio grew to $2,854, which translates to a compound annual growth rate (CAGR) of 17.35%. CAGR is like your average speed on a long road trip, smoothing out all the bumps to show steady yearly progress. Over the same period, the US market returned 15.85% per year and the global market 13.32%, so this mix historically outpaced both. The sharpest drop, or max drawdown, was about -35%, similar in depth to the benchmarks. This shows that the extra return mainly came from tilts rather than dramatically lower downside. As always, past performance is not a guarantee of what happens next.

Projection Info

The forward projection uses a Monte Carlo simulation, which is basically a thousand “what if” replays of the future based on historical patterns of returns and volatility. Each path shakes up returns randomly but within ranges similar to the past. In these 15‑year projections, a $1,000 investment has a median outcome around $2,734, with most scenarios falling between roughly $1,700 and $4,200. There are still tails: some paths end below the starting value and others multiply it several times. The average simulated annual return of about 8.1% is noticeably lower than the recent historical 17% CAGR, which reflects a more cautious, historically grounded expectation. These simulations are guideposts, not predictions.

Asset classes Info

  • Stocks
    100%

Every dollar here is invested in stocks, with no allocation to bonds, cash, or alternatives. Asset classes are broad buckets like equities, fixed income, and real assets that tend to behave differently in various market conditions. A 100% stock allocation typically offers higher long‑run growth potential but also larger and more frequent swings in value, especially during market stress. Compared with many blended portfolios that mix stocks and bonds, this one is clearly growth‑oriented. The benefit is full participation in equity market rallies and factor tilts; the trade‑off is that there’s no built‑in cushion from more stable assets when markets fall. Any reduction in volatility would need to come from diversification within equities rather than across asset classes.

Sectors Info

  • Technology
    27%
  • Industrials
    14%
  • Financials
    12%
  • Health Care
    9%
  • Consumer Discretionary
    9%
  • Energy
    9%
  • Consumer Staples
    7%
  • Telecommunications
    5%
  • Basic Materials
    5%
  • Utilities
    2%
  • Real Estate
    2%

Sector-wise, the portfolio leans most heavily into technology at 27%, with meaningful exposure to industrials, financials, health care, consumer areas, energy, and smaller slices in telecom, materials, utilities, and real estate. This looks reasonably spread out across the economy, but the dedicated semiconductor ETF adds an extra layer of tech concentration on top of what broad funds already hold. Sector weights matter because different parts of the economy react differently to interest rates, growth expectations, and policy changes. A stronger tech and semiconductor presence often boosts returns in innovation‑led upswings but can mean sharper drawdowns when growth stocks fall out of favor or when supply‑chain and cyclical risks hit that industry specifically.

Regions Info

  • North America
    80%
  • Europe Developed
    9%
  • Japan
    5%
  • Asia Developed
    2%
  • Asia Emerging
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, about 80% of the portfolio is tied to North America, with the rest spread across developed Europe, Japan, other developed Asia, and smaller slices in emerging regions. That means returns are heavily influenced by one main economy and currency, even though there is some global reach. Compared to global stock benchmarks, this is a clear overweight to North America and underweight to the rest of the world. Geographic mix matters because different regions experience different economic cycles, regulatory environments, and policy decisions. A strong North American tilt has been helpful over the last decade, but it also means portfolio results will closely track how that region performs relative to the rest of the world going forward.

Market capitalization Info

  • Large-cap
    37%
  • Mid-cap
    24%
  • Mega-cap
    18%
  • Small-cap
    15%
  • Micro-cap
    5%

By company size, the portfolio holds a mix of mega‑cap, large‑cap, mid‑cap, small‑cap, and even some micro‑cap stocks, with roughly 37% in large caps, 18% in mega caps, and around 40% combined in mid, small, and micro companies. Market capitalization, or “market cap,” is basically company value in the stock market. Bigger firms usually move more slowly, while smaller ones can be more volatile but sometimes grow faster. Relative to a typical broad market index, this mix clearly leans more toward smaller companies. That size tilt is a key driver of both the return potential and the bumpier ride, especially during risk‑off periods when smaller stocks often fall more than mega‑caps.

True holdings Info

  • NVIDIA Corporation
    2.61%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • iShares Semiconductor ETF
  • Texas Instruments Incorporated
    1.83%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
    • iShares Semiconductor ETF
  • Apple Inc
    1.67%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    1.49%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • iShares Semiconductor ETF
  • Microsoft Corporation
    1.23%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • UnitedHealth Group Incorporated
    1.22%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • Chevron Corp
    1.02%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • ConocoPhillips
    0.99%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • The Coca-Cola Company
    0.98%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • Merck & Company Inc
    0.96%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • Top 10 total 13.99%

Looking through ETF top holdings, a handful of large companies show up multiple times, but no single stock dominates overall exposure. NVIDIA, Texas Instruments, Apple, Broadcom, Microsoft, and several blue‑chip names each account for roughly 1–3% of the portfolio through different funds. Overlap matters because owning the same company in multiple ETFs can quietly increase concentration beyond what headline allocations suggest. Here, the visible overlap is meaningful in big tech and some defensive names, yet still remains diversified across several firms. The actual overlap is probably a bit higher than shown, since only ETF top‑10 holdings are captured, but there’s no sign of one stock turning into an outsized, hidden bet across the portfolio.

Factors Info

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

Factor exposure shows strong tilts toward value and smaller companies, with value at 62% and size at 61%, both above the neutral 50% “market‑like” level. Factors are like underlying ingredients that drive returns, such as how cheap a stock is (value) or how big it is (size). A higher value tilt means more exposure to companies priced more cheaply relative to fundamentals, which can do well in certain economic recoveries or inflationary periods. The size tilt indicates more weight in smaller firms than a typical market index. Other factors like momentum, quality, yield, and low volatility sit near neutral, so they behave more like a broad market. This creates a portfolio that’s especially sensitive to value and small‑cap cycles.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 25.00%
    23.9%
  • Schwab U.S. Dividend Equity ETF
    Weight: 25.00%
    20.9%
  • iShares Semiconductor ETF
    Weight: 10.00%
    15.2%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 10.00%
    12.4%
  • Invesco S&P MidCap Momentum ETF
    Weight: 10.00%
    10.8%
  • Top 5 risk contribution 83.3%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its simple weight. The Vanguard S&P 500 and Schwab U.S. Dividend ETFs each make up 25% of the portfolio but contribute about 24% and 21% of total risk, roughly in line or slightly under their weights. In contrast, the 10% semiconductor ETF contributes over 15% of risk, and the US small‑cap value ETF also punches above its weight. This means a smaller slice in concentrated or more volatile strategies can disproportionately influence day‑to‑day swings. The top three positions together drive around 60% of risk, suggesting a moderate but not extreme concentration in a few core building blocks plus one higher‑volatility satellite.

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 compares this portfolio to the best risk‑return combinations possible using the same ingredients. The current mix has a Sharpe ratio of 0.67, slightly below both the minimum variance portfolio and well below the optimal Sharpe of 0.95. The Sharpe ratio measures return per unit of risk, after accounting for a risk‑free rate, like judging how much “reward” you get for each notch of volatility. At its current risk level, this portfolio sits about 1.7 percentage points below the frontier, meaning the same set of ETFs could be rearranged to target better risk‑adjusted returns. The minimum‑risk mix still takes meaningful equity risk but trades some return for a smoother ride, while the optimal mix is more aggressive but more efficient in this model.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.90%
  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Schwab U.S. Dividend Equity ETF 3.40%
  • iShares Semiconductor ETF 0.40%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Invesco S&P MidCap Momentum ETF 0.60%
  • Weighted yield (per year) 1.92%

The blended dividend yield across holdings comes in around 1.92%, which is modestly above some broad US indices but below what a dedicated high‑income strategy might target. Yield is simply the annual cash payout as a percentage of price. The Schwab U.S. Dividend ETF and the international small‑cap value fund are the main contributors, each offering noticeably higher yields than the growth‑oriented and momentum funds. Dividends can provide a small but steady return stream that doesn’t depend on selling shares, which some investors value for psychological comfort or cash flow. In this portfolio, dividends form a helpful but secondary component of total return, with capital appreciation from growth and factor tilts doing most of the heavy lifting.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • iShares Semiconductor ETF 0.35%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.16%

The portfolio’s total expense ratio (TER) is a low 0.16%, which is very competitive for an actively tilted yet ETF‑only structure. TER is the annual fee charged by funds, expressed as a percentage of assets; it’s quietly deducted inside the fund, so you never write a check, but it slightly reduces returns every year. The core index ETFs are extremely cheap, and even the more specialized factor and sector funds are reasonably priced for their roles. Over long periods, keeping costs this low helps more of the portfolio’s gross return show up in your net results. Overall, the cost profile is a clear strength and aligns well with best practices for long‑term investing.

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