Solid stock only mix with strong US tilt and balanced growth and dividend focus
Report created on Mar 27, 2026Risk 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
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VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 40.00% -
IX iShares Core MSCI Total International Stock ETF
IXUS - US46432F8344 20.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 20.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 20.00%
The portfolio is a simple four‑fund, 100% stock allocation: a broad US stock fund at 40%, total international at 20%, plus two US tilts of 20% each toward dividends and large‑cap growth. This structure leans heavily on broad market exposure, then adds focused “satellites” for income and faster‑growing names. That kind of core‑satellite setup is common because it combines simplicity with targeted tilts. The main implication is that overall risk stays firmly in the equity camp, but with some balancing between growth and dividend styles. Anyone using a setup like this usually wants long‑term growth and is comfortable with large swings in portfolio value along the way.
Growth
From 2016 to early 2026, $1,000 grew to about $3,478, a compound annual growth rate (CAGR) of 13.31%. CAGR is like your average speed over a long road trip, smoothing out bumps along the way. The portfolio slightly trailed the US market’s 14.02% but beat the global market’s 11.46%, which is a nice outcome for a diversified mix. Max drawdown, the worst peak‑to‑trough fall, was roughly -33.7%, very similar to the benchmarks. That shows equity‑level volatility but no excessive downside versus the market. Overall, the return profile has been strong and broadly in line with expectations for an all‑stock, diversified approach.
Asset classes
- Stocks 100%
All of the allocation is in stocks, with no bonds, cash, or alternatives. That makes the portfolio simple and transparent but also fully exposed to equity market ups and downs. Asset classes behave differently across cycles: bonds and cash usually cushion stock drawdowns, while stocks typically drive long‑term growth. Being 100% in stocks fits someone comfortable with sizable temporary losses in pursuit of higher long‑run returns. For investors who want smoother rides or nearer‑term spending goals, combining stocks with some defensive assets can help damp volatility. Here, the structure clearly prioritizes growth and accepts full equity risk.
Sectors
- Technology 28%
- Financials 13%
- Health Care 11%
- Industrials 10%
- Consumer Discretionary 10%
- Telecommunications 10%
- Consumer Staples 7%
- Energy 6%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is fairly broad: technology is the largest at 28%, followed by financials, health care, industrials, and consumer‑oriented areas, with smaller slices in energy, materials, utilities, and real estate. This breakdown is quite close to typical global and US benchmarks, which is a strong sign of healthy diversification. Tech‑heavy allocations can be more sensitive to interest rates and innovation cycles, but your weight is not extreme relative to modern markets. The presence of sectors like consumer staples, utilities, and health care adds some ballast during downturns when more cyclical areas can struggle. Overall, the sector mix looks well‑balanced and benchmark‑like.
Regions
- North America 82%
- Europe Developed 7%
- Japan 3%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 82% sits in North America, with the rest spread across developed Europe and Asia plus small slices in emerging regions. This is more US‑tilted than broad global benchmarks, where North America is usually closer to 60%. Higher US exposure has helped in the last decade, as US markets outperformed many other regions. The trade‑off is greater reliance on one economy, currency, and political system. A stronger global balance can reduce home‑country risk and tap into different growth engines. Still, leaning toward the US is very common for US‑based investors and has historically aligned well with their spending currency.
Market capitalization
- Mega-cap 39%
- Large-cap 38%
- Mid-cap 18%
- Small-cap 4%
- Micro-cap 1%
The market‑cap breakdown shows a heavy focus on mega‑ and large‑cap companies (about 77%), with moderate mid‑cap and small exposure and a tiny micro‑cap slice. Large firms tend to be more stable, profitable, and widely researched, which can reduce idiosyncratic risk versus a portfolio dominated by small companies. On the flip side, smaller caps can offer higher long‑term growth potential but with bumpier rides. This mix looks very close to standard index weights, so it should behave much like the broad market rather than a niche small‑cap or speculative strategy. That alignment generally supports smoother execution and easier expectations‑setting.
True holdings
-
NV NVIDIA Corporation 4.78%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 4.35%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.30%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.33%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.05%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.74%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.62%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.59%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.45%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
CV Chevron Corp 0.90%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
- Top 10 total 24.10%
Looking through the ETFs, the biggest underlying exposures are familiar mega‑cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Meta. Several of these appear across multiple ETFs, creating hidden concentration in a handful of large tech and internet companies even though you only hold four funds. Overlap is likely higher than shown because only top‑10 lists are captured. This kind of concentration is common in modern index investing, where big winners dominate market caps, but it does mean portfolio behavior is partly tied to how a small group of giants performs. Awareness of this helps set realistic expectations for volatility and trendiness.
Factors
Factor exposure is mostly mild, which suggests a well‑balanced profile. Factor investing looks at traits like value, size, momentum, quality, yield, and low volatility as the “ingredients” behind returns. Here, value, size, momentum, and quality all show low tilts, meaning there’s a slight lean away from classic value and small‑cap strategies, consistent with a large‑cap growth bias. Yield and low volatility sit in the neutral range, helped by the dividend ETF, so the overall portfolio doesn’t strongly chase high income or stability. The takeaway: behavior should be similar to a broad market index, with a gentle push toward large growth and away from deep value or tiny companies.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 40.00% 41.9% -
Schwab U.S. Large-Cap Growth ETF
Weight: 20.00% 23.4% -
iShares Core MSCI Total International Stock ETF
Weight: 20.00% 17.6% -
Schwab U.S. Dividend Equity ETF
Weight: 20.00% 17.2%
Risk contribution measures how much each holding adds to total portfolio volatility, which can differ from its simple weight. The broad US fund is 40% of assets but about 42% of risk, roughly in line. The large‑cap growth ETF, at 20% weight and over 23% of risk, punches a bit above its size, reflecting its more aggressive profile. The international and dividend funds each contribute slightly less risk than their 20% weights. The top three positions together drive more than 80% of total risk, typical for a concentrated four‑fund setup. Adjusting these weights is the main lever if you ever want to dial risk up or down.
Redundant positions
-
High correlationSchwab U.S. Large-Cap Growth ETFVanguard Total Stock Market Index Fund ETF Shares
The US total market ETF and the large‑cap growth ETF are highly correlated, meaning they tend to move in the same direction at the same time. Correlation is basically a measure of how often two investments rise or fall together. When correlation is very high, combining those assets adds less diversification benefit than mixing in things that behave differently. In this case, the growth ETF essentially layers extra exposure onto the same underlying US equity engine. That’s fine if the goal is a deliberate growth tilt, but it’s helpful to understand that it doesn’t materially smooth the ride compared to just holding the broad market fund.
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 risk–return chart shows the current portfolio with expected return of 13.93%, risk (volatility) of 17.33%, and a Sharpe ratio of 0.69. The Sharpe ratio compares return to risk, like miles per gallon for a car. The optimal mix of these same holdings has a higher Sharpe of 0.82, and even the minimum‑variance mix is close at 0.66. Because the current allocation sits below the efficient frontier, it’s not using these four funds in the most efficient way. Reweighting—without adding new products—could improve either risk‑adjusted returns or expected return at a similar risk level, particularly by fine‑tuning the size of the growth tilt.
Dividends
- iShares Core MSCI Total International Stock ETF 3.20%
- Schwab U.S. Dividend Equity ETF 2.60%
- Schwab U.S. Large-Cap Growth ETF 0.30%
- Vanguard Total Stock Market Index Fund ETF Shares 1.20%
- Weighted yield (per year) 1.70%
The overall dividend yield is about 1.7%, a blend of a higher‑yielding international fund, a dedicated dividend ETF, and lower‑yield broad and growth funds. Dividend yield is the cash income paid out each year as a percentage of your investment, separate from price changes. For an all‑stock portfolio with a notable growth component, a 1–2% yield is quite typical. The dividend ETF boosts income without pushing the total yield into very high territory, which helps avoid over‑concentration in slower‑growth, high‑payout companies. For someone focused more on long‑term total return than immediate income, this level of yield is quite reasonable.
Ongoing product costs
- iShares Core MSCI Total International Stock ETF 0.07%
- Schwab U.S. Dividend Equity ETF 0.06%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.05%
Total ongoing fund costs (TER) are impressively low at around 0.05% per year. TER, or total expense ratio, is the annual fee charged by a fund, taken out of returns in the background. Over long periods, high fees can quietly erode gains, much like a slow leak in a tire; keeping them low preserves more of the market’s return for you. This cost level is far below typical active strategies and nicely aligned with index‑style best practices. From a cost standpoint, the structure is very efficient, which supports better long‑term performance and leaves more room for compounding to work.
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