Concentrated US growth portfolio with broad equity exposure and balanced factor profile
Report created on May 12, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 46.75% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 16.82% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 15.81% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 14.41% -
VF Vanguard U.S. Quality Factor
VFQY - US9219357061 6.21%
This portfolio is a five‑ETF mix that is 100% in stocks, with a clear tilt toward the US market. Nearly half sits in an S&P 500 ETF, with another chunk in a total US market fund, so large US companies drive most of the behavior. A sizeable position in a US dividend ETF and a smaller quality‑factor ETF add style tilts, while an international index fund provides global reach. This structure keeps things simple: broad index funds as the core, plus modest overlays for dividends and quality. It means the portfolio mainly rises and falls with global equity markets, especially the US, rather than holding bonds or cash‑like assets that might damp volatility.
Growth
From early 2018 to May 2026, $1,000 in this portfolio grew to about $2,719, a compound annual growth rate (CAGR) of 13%. CAGR is like your average yearly “cruising speed” over the whole period, smoothing out bumps. Over the same time, the US market proxy returned about 14.61% annually, so this portfolio lagged it modestly, but it beat the global market’s 11.54% CAGR. The worst peak‑to‑trough drop was about -34% during early 2020, very similar to the benchmarks, and it recovered in about five months. That pattern shows equity‑like downside with competitive long‑term growth, especially versus a world index.
Projection
The forward projection uses a Monte Carlo simulation, which takes the historical return and volatility pattern and then “shuffles the deck” 1,000 times to create many possible 15‑year futures. It doesn’t try to predict specific events; it just models what could happen if markets behaved statistically like the past. Here, the median outcome turns $1,000 into about $2,816, with a wide but plausible range from roughly $1,069 to $7,580 between the 5th and 95th percentiles. The average simulated annual return is about 8.07%. These numbers are useful for understanding uncertainty, but they’re not promises—actual markets can be better or worse than the scenarios suggest.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with no allocation to bonds, cash, or alternatives. Asset classes are the broad “buckets” — like stocks, bonds, and real estate — that behave differently in various market conditions. A 100% stock allocation typically means higher long‑term growth potential, but also greater swings in value, especially during downturns. Compared with more mixed stock‑bond portfolios, this one leans strongly toward growth over stability. The diversification here comes mainly from owning many different companies through broad index funds rather than from mixing fundamentally different asset types that might cushion equity shocks.
Sectors
- Technology 27%
- Financials 14%
- Health Care 11%
- Industrials 10%
- Consumer Discretionary 9%
- Telecommunications 8%
- Consumer Staples 8%
- Energy 6%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector‑wise, the portfolio is led by technology at 27%, followed by financials, health care, industrials, and consumer‑related areas, with smaller slices in energy, utilities, and real estate. This looks broadly similar to major US and global equity benchmarks, where technology also plays a big role. Having tech as the largest slice often boosts growth in strong markets but can increase sensitivity to shifts in interest rates or sentiment around innovation and regulation. Overall, the sector mix is well‑balanced and aligns closely with global standards, helping avoid heavy bets on any single part of the economy while still reflecting modern market composition.
Regions
- North America 85%
- Europe Developed 6%
- Japan 2%
- Asia Developed 2%
- Asia Emerging 2%
- Australasia 1%
- Africa/Middle East 1%
Geographically, about 85% of the equity exposure is in North America, with the rest spread across developed Europe, Japan, other parts of Asia, emerging Asia, Australasia, and Africa/Middle East. Many global benchmarks are also US‑heavy, but this portfolio is particularly concentrated in that region. That focus has historically been rewarding during US‑led bull markets, but it also ties much of the outcome to one economy and currency. The international holding does bring in other markets, offering some diversification benefits, especially when non‑US regions perform differently. Still, the data clearly shows this is primarily a US‑centric equity portfolio with modest global seasoning.
Market capitalization
- Large-cap 40%
- Mega-cap 35%
- Mid-cap 19%
- Small-cap 4%
- Micro-cap 2%
By market capitalization, the portfolio is dominated by mega‑cap and large‑cap companies, together making up about 75% of exposure. Mid‑caps add another 19%, while small and micro‑caps are only a small share. Market cap describes a company’s size in the stock market, and size tends to influence risk and return patterns. Large and mega companies usually have more stable earnings and smoother trading, while smaller firms can be more volatile and more sensitive to economic cycles. This size mix is close to typical global equity indices, so behavior should resemble “broad market” moves, with only a mild contribution from smaller, potentially more volatile companies.
True holdings
-
NV NVIDIA Corporation 4.47%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 4.07%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard U.S. Quality Factor
-
MS Microsoft Corporation 2.93%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.16%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.78%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.56%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.43%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.33%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.11%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
QC Qualcomm Incorporated 1.04%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
- Vanguard U.S. Quality Factor
- Top 10 total 21.88%
Looking through the ETFs’ top holdings, several big US names appear repeatedly, such as NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, and Broadcom. For example, NVIDIA alone totals about 4.47% across the funds, and Apple about 4.07%. When the same company shows up in multiple ETFs, its true influence is higher than any single fund’s listing suggests, creating “hidden” concentration. Only ETF top‑10 data is used here, so overlap is likely understated. This pattern is typical of US index‑heavy portfolios, where the largest global companies dominate multiple benchmarks, which can amplify both upside and downside tied to a relatively small group of mega‑caps.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility is broadly neutral, sitting around the middle of the scale. Factors are like underlying “personality traits” of investments that research links to returns over long periods. A neutral profile means the mix behaves much like the overall market rather than leaning strongly into any single style, such as deep value or high momentum. The dedicated quality ETF nudges the quality reading a bit above the midpoint, but not enough to create a strong tilt. This well‑balanced factor setup suggests the portfolio’s performance should mostly mirror general equity conditions instead of depending heavily on any one style cycle.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 46.75% 49.0% -
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 14.41% 15.3% -
Schwab U.S. Dividend Equity ETF
Weight: 16.82% 15.0% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 15.81% 13.9% -
Vanguard U.S. Quality Factor
Weight: 6.21% 6.8%
Risk contribution shows how much each holding adds to overall ups and downs, which can differ from its weight. Here, the S&P 500 ETF is about 47% of the portfolio but contributes roughly 49% of the total risk, while the total US market and international funds also punch near their weights. The dividend and quality ETFs contribute slightly less risk than their size might suggest, reflecting their somewhat more defensive or diversified characteristics. The top three holdings together drive about 79% of portfolio risk, which is notable but not extreme for a concentrated core. Overall, risk is reasonably aligned with position sizes, without any single outlier dominating volatility.
Redundant positions
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High correlationVanguard Total Stock Market Index Fund ETF SharesVanguard S&P 500 ETF
The correlation analysis flags that the S&P 500 ETF and the total US market ETF move almost identically. Correlation measures how often assets move together: a score near 1 means they usually rise and fall in tandem. That makes sense here because both funds largely track the same underlying US equity universe, just with different inclusion rules. High correlation doesn’t mean something is “wrong,” but it does mean those two positions don’t add much diversification relative to each other. Instead, diversification benefits in this portfolio come more from the international equity exposure and from stylistic differences introduced by the dividend and quality ETFs.
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 shows that the current mix is on or very near the curve of best possible risk‑return combinations using these same ETFs. The Sharpe ratio, which measures return per unit of risk above a risk‑free rate, is about 0.54 for the current portfolio, compared with 0.75 for the mathematically optimal blend and 0.59 for the minimum‑variance option. Being close to the frontier means the allocation makes effective use of the available building blocks. Reweighting could, in theory, fine‑tune risk and return, but there’s no sign of a major efficiency gap—the structure is already working well from a risk‑adjusted perspective, given the chosen holdings.
Dividends
- Schwab U.S. Dividend Equity ETF 3.30%
- Vanguard U.S. Quality Factor 1.10%
- Vanguard S&P 500 ETF 1.00%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.66%
The overall dividend yield is about 1.66%, combining a higher‑yielding US dividend ETF at 3.3%, an international fund at 2.7%, and lower yields from the broad US and quality funds. Dividend yield is the yearly cash payout as a percentage of investment value, and it can be an important part of total return over time. In this portfolio, dividends add a modest but steady income stream, with the dividend ETF playing the leading role. The blend balances cash distributions with growth‑oriented exposure, so returns are likely to come more from price appreciation than from income, even though there is a meaningful yield component.
Ongoing product costs
- Schwab U.S. Dividend Equity ETF 0.06%
- Vanguard U.S. Quality Factor 0.13%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
The total expense ratio (TER) across the portfolio is about 0.04%, with individual fund fees ranging from 0.03% to 0.13%. TER is the annual fee charged by the funds as a percentage of assets, quietly reducing returns in the background. At this level, costs are impressively low and very competitive relative to typical actively managed or even many index products. Over long periods, keeping fees this small helps more of the portfolio’s gross return stay in the investor’s pocket. This cost profile is a real strength: it supports better long‑term performance simply by minimizing the drag that recurring charges can otherwise create.
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