Growth focused global equity blend with balanced factors and efficient risk adjusted return profile
Report created on Mar 30, 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.
What type of investor this portfolio is suitable for
Growth Investors
This setup fits someone comfortable with stock‑market swings who is focused on long‑term wealth building rather than short‑term stability. A typical match would be an investor with at least a 10‑year horizon, often still in their earning years, who can ride out 30–40% drawdowns without selling in panic. Goals might include retirement savings, long‑term education funding, or growing a taxable investment account over decades. They may already have cash reserves and safer assets elsewhere, allowing this bucket to be growth‑oriented. A willingness to accept modest income today in exchange for higher potential capital appreciation is a key part of this investor’s mindset.
Positions
-
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 50.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 20.00%
The portfolio is a simple three‑ETF, 100% stock mix tilted toward growth. Roughly half is in U.S. large‑cap growth, 30% in broad international equities, and 20% in U.S. small‑cap value. So you’ve got a core of big U.S. growth names, a meaningful slice of overseas markets, and a diversifying dose of smaller, cheaper U.S. companies. This structure keeps the portfolio easy to manage while still hitting multiple parts of the equity universe. For a growth‑oriented approach, that balance between aggressive U.S. growth and more value‑oriented small caps plus international is a solid starting point that can work well for long‑term compounding.
Growth
From late 2019 to early 2026, $1,000 grew to about $2,393, a compound annual growth rate (CAGR) of 14.4%. CAGR is like average speed on a road trip — it smooths the bumps to show your long‑run pace. Over this period, the portfolio slightly beat the U.S. market and clearly beat the global market, while experiencing a max drawdown of about ‑35%, similar to major benchmarks. That kind of drop is normal for a growth‑heavy equity portfolio. The performance history shows that taking equity risk has been rewarded so far, but it also underlines the need to be comfortable seeing temporary but sharp declines without panicking.
Asset classes
- Stocks 100%
All of the allocation is in stocks, with no bonds, cash, or alternative assets. That creates a clean, growth‑oriented profile but also means no built‑in shock absorbers during market stress. In big downturns, everything here can fall together, and drawdowns will likely be similar to equity indices or worse. Compared with a more mixed stock‑bond portfolio, this setup trades stability for higher long‑term growth potential. For someone with a long time horizon and steady savings elsewhere (like an emergency fund), this can make sense. For anyone needing smoother returns or near‑term withdrawals, adding some defensive assets could materially reduce volatility.
Sectors
- Technology 29%
- Financials 15%
- Consumer Discretionary 13%
- Industrials 11%
- Telecommunications 10%
- Health Care 7%
- Energy 6%
- Basic Materials 4%
- Consumer Staples 3%
- Real Estate 1%
- Utilities 1%
Sector exposure is led by technology at 29%, followed by financials, consumer discretionary, and industrials, with smaller allocations elsewhere. This tech‑tilt is typical for modern equity portfolios and broadly lines up with global benchmarks, which is a strong indicator of diversification rather than a single‑sector bet. However, a growth focus means results will be sensitive to how high‑growth, innovation‑driven businesses perform, especially during periods of changing interest rates or regulatory shifts. If the goal is long‑term growth and you can handle more pronounced ups and downs tied to tech cycles, this sector layout is very much in line with that objective.
Regions
- North America 72%
- Europe Developed 11%
- Japan 5%
- Asia Developed 4%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 72% is in North America, with the rest spread across Europe, Japan, other developed Asia, and emerging markets. This is somewhat more U.S./North America‑heavy than a pure global market weight, but still offers a meaningful international slice. That home‑country tilt has helped in the last decade, as U.S. markets have outperformed many regions. The overseas portion adds diversification by tapping different economic cycles, currencies, and policy environments. If you want your portfolio to track global market weights more closely, you could slowly increase the non‑North‑American share; if you prefer leaning into U.S. strength, this split is already aligned with that view.
Market capitalization
- Mega-cap 46%
- Large-cap 20%
- Small-cap 12%
- Mid-cap 11%
- Micro-cap 9%
Market‑cap exposure is nicely spread: roughly half in mega‑caps, with solid allocations across large, mid, small, and even micro‑cap stocks. This is a real positive, as it avoids an extreme concentration solely in the largest companies while still capturing their influence. Smaller companies tend to be more volatile but can offer higher long‑term growth, especially when combined with a value tilt. Having exposure across the size spectrum can smooth out periods when either giants or small firms are out of favor. Overall, this size mix is well‑balanced and supportive of diversified equity growth across different business stages.
True holdings
-
NV NVIDIA Corporation 5.76%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AA Apple Inc 4.98%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
MS Microsoft Corporation 3.84%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AM Amazon.com Inc 2.77%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class A 2.37%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AV Broadcom Inc 2.06%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
TS Tesla Inc 1.91%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class C 1.89%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
ME Meta Platforms Inc. 1.84%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
LL Eli Lilly and Company 1.40%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Top 10 total 28.82%
Looking through the funds, the biggest underlying names are familiar mega‑cap giants such as NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Meta. Several appear in more than one ETF, especially within the large‑cap growth allocation, which creates hidden concentration even though you technically own three funds. This overlap isn’t necessarily a problem; it simply increases your reliance on a handful of dominant global companies. If that reliance matches your conviction about these firms and the broader growth theme, it can be intentional. If not, it’s worth knowing that your real economic exposure is more top‑heavy than the three‑ticker lineup might suggest.
Factors
Factor exposures — value, size, momentum, quality, yield, and low volatility — all sit around neutral, meaning the portfolio behaves broadly like the overall market on these dimensions. Factor exposure is basically how much your holdings lean into characteristics that drive returns, like cheapness (value) or stability (low volatility). A neutral profile suggests you’re not making big hidden bets on any single style. That’s actually a strength: it keeps performance from being overly tied to one specific investing fashion. The trade‑off is that you won’t massively benefit if one factor, like deep value or high momentum, suddenly takes off, but you also avoid big style whiplash.
Risk contribution
-
Schwab U.S. Large-Cap Growth ETF
Weight: 50.00% 53.9% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 23.8% -
Avantis® U.S. Small Cap Value ETF
Weight: 20.00% 22.3%
Risk contribution shows how much each holding adds to overall volatility, which can differ from its simple weight. Here, the large‑cap growth ETF is 50% of the portfolio but contributes about 54% of the risk, while the small‑cap value ETF is 20% of the weight yet over 22% of the risk. That means these two positions drive the majority of the portfolio’s ups and downs, as expected for more volatile segments. The international ETF actually contributes less risk than its weight. This pattern is healthy and intuitive; if you ever wanted to dial risk down or up, adjusting these two higher‑impact positions would be the most direct lever.
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.
Sharpe ratios in this chart use the active CMA risk-free rate of 2.00% annualized.
Click on the colored dots to explore allocations.
On the risk‑return chart, the current portfolio sits right on or very close to the efficient frontier, with a Sharpe ratio around 0.65. The Sharpe ratio measures return per unit of risk, like miles per gallon for your portfolio. The optimal mix of the same three funds reaches a higher Sharpe (0.74) with slightly more risk and return, while the minimum‑variance mix cuts risk but also return. Being near the frontier means the current allocation is already using these building blocks efficiently. If you ever wanted to fine‑tune, small weight shifts could target either slightly higher efficiency or a calmer ride without adding new products.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.40%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- Weighted yield (per year) 1.38%
The overall dividend yield sits around 1.38%, driven mainly by the international and small‑cap value funds, while the large‑cap growth piece pays relatively little. Dividends are the cash payments companies distribute from profits, and they can be a meaningful component of total return over long periods, especially when reinvested. Here, the yield is modest, which fits a growth‑oriented strategy that focuses more on capital appreciation than income. For investors who don’t need current cash flow and are comfortable reinvesting dividends, this setup is fine. Anyone targeting higher income would generally need to tilt more toward income‑focused or higher‑yielding equity strategies.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.08%
Total ongoing costs (TER) are impressively low at about 0.08% per year. TER is like a small annual membership fee for owning the funds; keeping it low leaves more of the returns in your pocket. Over decades, the difference between 0.08% and, say, 0.5% or 1% compounds significantly. This cost profile is firmly in best‑practice territory and directly supports better long‑term performance. It also means any future tweaks you consider can be made without feeling pressured to replace expensive products — the current lineup already passes a high bar on cost efficiency and is a real strength of this portfolio.
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