Growth focused dividend tilted portfolio with strong US bias and efficient risk return tradeoff
Report created on Aug 5, 2026Risk profile
5/7
Diversification profile
3/5
Positions
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SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 40.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 30.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.00% -
SC Schwab International Equity ETF
SCHF - US8085248057 10.00% -
VT Vanguard Tax-Exempt Bond Index Fund ETF Shares
VTEB - US9229077469 5.00%
The portfolio is built mainly from five broad ETFs, with a strong tilt toward US stocks. About 40% sits in a US dividend equity ETF, 30% in a US large-cap growth ETF, and 15% in a US small-cap value ETF. Another 10% goes to international equities, while 5% is in a tax-exempt bond index ETF. This makes the structure primarily equity-driven with a modest bond cushion. A composition like this focuses on growth and income from dividends while still having some stability from bonds. The concentration in three main equity positions means a clear core strategy, but also that overall behavior is heavily shaped by those core funds.
Growth
From late 2019 to early August 2026, a hypothetical $1,000 in this portfolio grew to about $2,648. That works out to a compound annual growth rate (CAGR) of 15.33%, which is slightly behind the US market benchmark at 16.11% but ahead of the global market at 13.64%. CAGR is like your “average speed” over the full journey. The portfolio’s maximum drawdown was around -33.6% during early 2020, very similar to both benchmarks, showing comparable downside in sharp selloffs. Recovering in about five months after the trough indicates resilience. Only 24 days made up 90% of total returns, underlining how a small number of strong days drove much of the long-term growth.
Projection
The Monte Carlo projection uses 1,000 simulations based on historical data to imagine many possible 15-year paths for a $1,000 investment. Think of it as running the market thousands of times with slightly different dice rolls. The median outcome lands around $2,666, with a “likely” middle range between roughly $1,741 and $3,991. There’s also a wide possible band from about $970 to $7,059, showing how uncertain markets can be. Across all simulations, the average annualized return is 7.79%, with about 72.7% of paths ending above the starting $1,000. These numbers are not promises, just a guide to the range of potential futures, and they rely on past patterns that may not repeat.
Asset classes
- Stocks 95%
- Bonds 5%
Across asset classes, the portfolio is 95% in stocks and 5% in bonds. That’s a clearly growth-oriented split, with only a small portion dedicated to fixed income. Stocks are typically the main driver of long-term returns but also of volatility, while bonds often act like a stabilizer and can smooth out some of the ups and downs. A 5% bond allocation means the stabilizing effect is modest but present. This aligns with the “Growth” risk classification and helps explain why the portfolio’s risk profile sits on the higher side of the scale. The equity-heavy mix is a key reason performance closely tracks stock benchmarks.
Sectors
- Technology 21%
- Financials 13%
- Health Care 13%
- Consumer Staples 10%
- Consumer Discretionary 10%
- Energy 9%
- Industrials 9%
- Telecommunications 7%
- Basic Materials 2%
- Utilities 1%
This breakdown covers the equity portion of your portfolio only.
Sector-wise, the portfolio is fairly well spread out, with technology at 21% leading the way but not overwhelmingly dominant. Financials and health care each sit around 13%, and consumer staples and consumer discretionary are both at about 10%. Energy and industrials add another 9% each, while telecommunications, basic materials, and utilities fill out the rest. This broad spread is well-balanced and aligns closely with global standards, which is a strong indicator of diversification. A notable point is that technology exposure is meaningful but not extreme, so the portfolio participates in tech-driven growth without being entirely dependent on it. Different sectors can perform differently across economic cycles, so this balance helps avoid over-reliance on a single theme.
Regions
- North America 86%
- Europe Developed 5%
- Japan 2%
- Asia Developed 1%
- Australasia 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, the portfolio is strongly tilted toward North America at 86%, with much smaller allocations to developed Europe, Japan, and other developed regions. This concentration explains why performance has tracked the US market more closely than global benchmarks. It also means that the portfolio is heavily tied to the US economy, currency, and policy environment. While this has worked well in recent years, it does leave less exposure to other major economies that make up a significant share of global market value. The presence of international holdings is a positive step toward diversification, but the weighting clearly shows a home bias, which is common for US-based portfolios.
Market capitalization
- Large-cap 39%
- Mega-cap 21%
- Mid-cap 17%
- Small-cap 9%
- Micro-cap 8%
This breakdown covers the equity portion of your portfolio only.
By market capitalization, the portfolio leans toward larger companies, with about 60% in mega- and large-caps combined. Mid-caps account for 17%, while small- and micro-caps together make up roughly 17% as well. Large and mega-cap companies tend to be more established, often with more stable earnings and liquidity, which can contribute to steadier behavior. The small and micro-cap slices, influenced by the small-cap value ETF, add a dose of higher-risk, higher-potential-return exposure. This mix creates a multi-cap structure where big names anchor the portfolio, while smaller companies add diversification and the possibility of different performance patterns across market cycles.
True holdings
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AA Apple Inc. 3.19%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
NV NVIDIA Corporation 2.95%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AB Abbott Laboratories 1.88%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
MS Microsoft Corporation 1.86%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AM Amgen Inc 1.74%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
MR Merck & Company Inc 1.73%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
KO The Coca-Cola Company 1.72%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
UN UnitedHealth Group Incorporated 1.69%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
HD The Home Depot Inc 1.64%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
PG Procter & Gamble Company 1.58%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
- Top 10 total 19.99%
This breakdown covers the equity portion of your portfolio only.
Looking through the ETFs’ top holdings, a few big US names show up as notable underlying exposures: Apple, NVIDIA, Microsoft, Abbott, and others like Coca-Cola and Home Depot. Apple and NVIDIA together account for just over 6% of the portfolio in aggregate, all via ETFs. This shows some concentration in large, widely held US companies, which is typical for index and factor-based funds. There is overlap where the same stock appears in multiple ETFs, creating hidden concentration even though each fund looks diversified on its own. Because only top-10 ETF holdings are included, actual overlap across the full portfolios is probably higher than the numbers show.
Factors
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.
On factor exposure, the portfolio shows high tilts toward value and yield, while size, momentum, quality, and low volatility sit around neutral. Factor exposure is basically how much the portfolio leans into specific characteristics that research has linked to long-term returns. A high value tilt means more focus on companies trading at lower prices relative to fundamentals, which can behave differently than pure growth strategies. The yield tilt reflects an emphasis on dividend-paying assets, consistent with the large dividend equity position. Neutral readings for momentum, quality, and low volatility suggest no strong bets in those areas, leaving the portfolio relatively balanced aside from its value and income flavor.
Risk contribution
-
Schwab U.S. Dividend Equity ETF
Weight: 40.00% 36.6% -
Schwab U.S. Large-Cap Growth ETF
Weight: 30.00% 34.1% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 19.9% -
Schwab International Equity ETF
Weight: 10.00% 9.0% -
Vanguard Tax-Exempt Bond Index Fund ETF Shares
Weight: 5.00% 0.5%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the three main equity ETFs—US dividend, US large-cap growth, and US small-cap value—make up 85% of the allocation but account for about 90.6% of total risk. The small-cap value ETF, at 15% weight, contributes nearly 20% of risk, meaning it punches above its size. The bond ETF, at 5% weight, adds less than 1% of risk, underscoring its stabilizing role. This pattern is normal for an equity-dominated structure but highlights that most volatility will stem from those three core stock funds.
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 vs. return chart shows the portfolio sitting on or very near the efficient frontier, which is the curve of best possible returns for each risk level using these holdings. The current allocation has a Sharpe ratio of 0.65, while the “optimal” mix of the same ETFs reaches 0.84 by taking more risk and aiming for higher return. The minimum variance mix, with much lower risk, has a Sharpe of 0.15 and much lower expected return. A Sharpe ratio is simply return per unit of risk, like miles per gallon for your car. Being on the frontier suggests this portfolio already uses its chosen building blocks efficiently for its current risk level.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.20%
- Schwab U.S. Dividend Equity ETF 3.10%
- Schwab International Equity ETF 3.00%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard Tax-Exempt Bond Index Fund ETF Shares 3.40%
- Weighted yield (per year) 2.01%
The portfolio’s overall dividend yield sits around 2.01%, coming mainly from the US dividend ETF, the international equity ETF, and the tax-exempt bond ETF. The large-cap growth ETF has a much lower yield, as growth stocks often reinvest earnings rather than paying them out. Dividends can be an important part of total return, especially over long periods when reinvested payouts compound. Here, the yield tilt and dedicated dividend ETF create a meaningful income component compared with a pure growth approach. At the same time, the yield is not extremely high, which keeps the portfolio from drifting into only high-income, lower-growth areas and maintains a blend of growth and income characteristics.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Schwab U.S. Dividend Equity ETF 0.06%
- Schwab International Equity ETF 0.06%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard Tax-Exempt Bond Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.08%
On costs, the portfolio is impressively low-fee. Individual ETF expense ratios range from 0.04% to 0.25%, with a combined weighted TER of about 0.08%. The TER (Total Expense Ratio) is the annual fee charged by the funds, similar to a small percentage-based subscription cost. Lower fees mean more of the portfolio’s gross return stays in your pocket, and over long periods this difference compounds significantly. This allocation is well-balanced and aligns closely with global standards for cost-efficiency. Using a low-cost mix like this provides a solid structural foundation so that performance mainly reflects market behavior and factor tilts, not drag from expensive fund charges.
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