High growth tilted stock portfolio with strong US mega cap focus and low overall diversification
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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SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 84.45% -
SC Schwab U.S. Broad Market ETF
SCHB - US8085241029 8.08% -
SC Schwab International Equity ETF
SCHF - US8085248057 7.47%
The structure is very simple: three low-cost stock ETFs with roughly 84% in a US large-cap growth fund, 8% in a broad US market fund, and 7% in international stocks. Everything is in equities, so there’s no built‑in cushion from bonds or cash. This kind of focused setup keeps things easy to manage and clearly oriented toward growth. The flip side is that the experience will track stock markets quite closely, especially US growth names. As a general takeaway, anyone using a structure like this should be comfortable with meaningful ups and downs in pursuit of higher long‑term returns.
Growth
From 2016 to early 2026, $1,000 grew to about $4,475, with a compound annual growth rate (CAGR) of 17.2%. CAGR is like the average “speed” per year over the whole journey. That’s a very strong result and beats both the US market (14.0%) and global market (11.5%) by a wide margin. The max drawdown of about ‑33% is similar to the benchmarks, showing you took no more “worst-case” pain than the market while earning more. This alignment with broad market downside but stronger upside is a clear positive, though it still reflects heavy equity risk. Past outperformance, of course, doesn’t guarantee the next decade will look the same.
Asset classes
- Stocks 100%
All of the money sits in one asset class: stocks. That makes the portfolio very clear in its objective—growth first—but also explains the higher risk label and low diversification score. There’s no offset from bonds, cash, or real assets that might soften equity drawdowns or provide income stability. A 100% equity stance is usually more suitable for longer timeframes and investors who can ride through deep market drops without changing course. Keeping everything in stocks can be very effective if the horizon is long and behavior stays disciplined, but it demands emotional and financial capacity to handle big swings without panic selling.
Sectors
- Technology 42%
- Telecommunications 14%
- Consumer Discretionary 12%
- Financials 9%
- Health Care 9%
- Industrials 7%
- Consumer Staples 2%
- Basic Materials 2%
- Energy 1%
- Utilities 1%
- Real Estate 1%
Sector exposure is heavily tilted toward technology (42%) and telecommunications (14%), with consumer discretionary, financials, and health care making up most of the rest. This kind of tech‑and‑growth skew has been a tailwind in recent years, which is consistent with the strong historical performance. Compared with broad global benchmarks, this is meaningfully more tech‑heavy. That typically means higher sensitivity to interest‑rate moves, innovation cycles, and changes in market leadership. The positive side is strong participation in growth trends; the trade‑off is sharper swings if high‑growth sectors temporarily fall out of favor or see valuation resets.
Regions
- North America 93%
- Europe Developed 4%
- Japan 2%
- Asia Developed 1%
Geographically, about 93% is in North America, with modest slices in developed Europe, Japan, and other developed Asia. That’s a clear home‑bias toward the US, which has actually been very beneficial over the last decade given US market outperformance. It also means that portfolio outcomes are tightly linked to US economic and policy conditions. Underweights in other regions reduce exposure to different growth drivers and currency diversification. This alignment with a US‑centric benchmark is common and not inherently problematic, but investors who prefer more global diversification might consider whether such a strong regional tilt matches their comfort with country‑specific risk.
Market capitalization
- Mega-cap 60%
- Large-cap 24%
- Mid-cap 13%
- Small-cap 2%
Most of the equity exposure sits in mega‑cap and large‑cap companies (around 84% combined), with smaller slices in mid‑caps and just 2% in small‑caps. Large and mega‑caps tend to be more stable, widely followed businesses, so this structure usually means slightly lower volatility than a portfolio heavily tilted to small companies, though still firmly in equity‑risk territory. It also means performance is driven more by established leaders than by up‑and‑coming firms. This large‑cap focus aligns well with many mainstream benchmarks and provides a solid core, but it leaves less room for the potentially higher, but bumpier, growth that smaller companies can deliver.
True holdings
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NV NVIDIA Corporation 10.27%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
-
AA Apple Inc 8.89%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
-
MS Microsoft Corporation 6.85%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
-
AM Amazon.com Inc 4.93%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class A 4.23%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
-
AV Broadcom Inc 3.68%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class C 3.36%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
-
TS Tesla Inc 3.35%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
-
ME Meta Platforms Inc. 3.27%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
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LL Eli Lilly and Company 2.37%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Top 10 total 51.20%
Looking through the ETFs, the top exposures cluster heavily in a handful of giant US names: Nvidia, Apple, Microsoft, Amazon, Alphabet, Broadcom, Tesla, Meta, and Eli Lilly. Several of these appear via more than one ETF, which quietly increases concentration even though you only hold three funds. Because only top‑10 ETF holdings are visible, the true overlap is probably a bit higher than shown. This pattern is common in growth‑tilted portfolios and has helped recent returns. The trade‑off is that portfolio behavior will be strongly tied to how these mega companies perform, for better in strong tech-driven markets and worse if leadership rotates elsewhere.
Factors
Factor exposure shows strong tilts toward low volatility and momentum, with some size factor as well. Factors are like underlying “traits” of stocks—things like cheapness (value), trendiness (momentum), or stability (low volatility) that research has tied to long‑term returns. A momentum tilt often does well when trends persist, but it can hurt during sharp reversals. The low‑volatility tilt can soften some drawdowns relative to a pure growth profile, which is a nice offset. Value exposure is modest, so the portfolio may lag in sharp value‑driven rebounds. Overall, the factor mix suggests a growth‑oriented profile with some built‑in bias toward steadier names.
Risk contribution
-
Schwab U.S. Large-Cap Growth ETF
Weight: 84.45% 88.1% -
Schwab U.S. Broad Market ETF
Weight: 8.08% 6.9% -
Schwab International Equity ETF
Weight: 7.47% 5.0%
Risk contribution looks at how much each holding drives total portfolio ups and downs, which can differ from simple weights. Here, the US large‑cap growth ETF is 84% of the weight but over 88% of total risk, making it the clear risk engine. The broad US market and international ETFs contribute less risk than their weights, which is normal given their broader diversification and lower volatility. When one position dominates risk this way, outcomes will largely mirror that fund’s behavior. Anyone using a setup like this might periodically check whether that level of concentration in a single strategy still fits their comfort and objectives.
Redundant positions
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High correlationSchwab U.S. Broad Market ETFSchwab U.S. Large-Cap Growth ETF
The US broad market ETF and the US large‑cap growth ETF are highly correlated, meaning they tend to move together most of the time. Correlation is about direction, not magnitude: two strongly correlated funds often rise and fall on the same days, even if by different amounts. That’s expected here, since both are anchored in US equities with a lot of overlapping holdings. High correlation limits diversification benefits; adding more of a highly correlated fund doesn’t reduce overall risk much. The positive side is that the combined behavior is very close to a familiar US equity experience, which can make performance easier to understand and track.
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.
On the risk‑return chart, the current portfolio has an expected return of 17.07% with volatility of 20.56% and a Sharpe ratio of 0.73. The optimal mix of these same holdings improves the Sharpe to 0.79 with a slightly higher return and risk, while the minimum variance option lowers risk to 16.87% with a Sharpe of 0.61. The Sharpe ratio compares return to volatility, like measuring miles per gallon. Being below the optimal point suggests there’s room to tweak weights among the three ETFs to get better risk‑adjusted returns without adding new products. That’s a nice opportunity, not a problem, since the starting point is already quite strong.
Dividends
- Schwab U.S. Broad Market ETF 0.90%
- Schwab International Equity ETF 3.40%
- Schwab U.S. Large-Cap Growth ETF 0.30%
- Weighted yield (per year) 0.58%
The overall dividend yield is relatively low at about 0.58%, with the growth ETF paying the least and the international ETF offering the highest yield. That’s typical of growth‑oriented portfolios, where companies often reinvest profits instead of paying big dividends. For investors focused mainly on long‑term capital appreciation rather than current income, this structure can be perfectly appropriate. It does mean that most returns will likely come from price changes rather than cash flow, so there’s less natural income cushion during market downturns. Anyone needing regular withdrawals might need an external plan to generate cash without disrupting long‑term compounding too much.
Ongoing product costs
- Schwab U.S. Broad Market ETF 0.03%
- Schwab International Equity ETF 0.06%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Weighted costs total (per year) 0.04%
Total ongoing fees are impressively low, with a blended TER of about 0.04%. TER (total expense ratio) is the annual percentage skimmed to run the funds—like a small management toll. Staying this low is a major strength, because costs come off returns every single year regardless of performance. Over long timeframes, even small fee differences compound significantly. Here, the cost structure is well-aligned with best practices for passive, growth‑oriented investing and supports better net outcomes. Keeping fees low is one of the few levers investors can reliably control, and this setup is already doing an excellent job on that front.
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