Balanced US equity core with growth dividend tilt and modest international and bond diversification
Report created on Aug 7, 2026Risk profile
4/7
Diversification profile
3/5
Positions
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SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 32.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 32.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 12.00% -
SC Schwab International Equity ETF
SCHF - US8085248057 12.00% -
BN Vanguard Total Bond Market Index Fund ETF Shares
BND - US9219378356 6.00% -
SG iShares 0-3 Month Treasury Bond ETF
SGOV - US46436E7186 6.00%
This portfolio is dominated by equities, with six ETFs creating a fairly simple structure. Two large US equity funds share the biggest role, each at 32%, one focused on dividend payers and one on large-cap growth. A 12% slice goes to US small-cap value and another 12% to a broad international equity ETF. The remaining 12% is split between a total US bond fund and a short-term Treasury ETF. This construction mixes growth, dividends, and some safety assets. It’s essentially a stock-first portfolio with a bond and cash-like cushion, which explains why its behavior will mostly track equity markets while still having a modest stabilizing component.
Growth
Over the period from mid-2020 to mid-2026, $1,000 in this portfolio grew to about $2,506. That translates to a compound annual growth rate (CAGR) of 16.09%, which is how much it grew on average per year, similar to calculating average speed over a trip. It slightly lagged the US market benchmark but modestly beat the global market. The max drawdown, or worst peak‑to‑trough drop, was -22.23%, less severe than typical deep bear markets but still noticeable. The recovery from that drawdown took about 15 months, showing that while the portfolio bounced back, it did require patience through a full cycle. Past performance, of course, does not guarantee similar results.
Projection
The Monte Carlo projection uses historical return and volatility patterns to simulate many possible 15‑year futures. Think of it as running 1,000 different “what if” market paths based on how similar portfolios have behaved before. The median outcome turns $1,000 into around $2,653, with most simulations landing between roughly $1,844 and $3,881. The wide possible range, from about $1,086 to $6,873, highlights how uncertain long‑term results can be even with the same starting mix. The average simulated annual return of 7.62% is notably lower than the recent historical CAGR, reminding that strong past years may not repeat and that projections are only rough guides, not promises.
Asset classes
- Stocks 88%
- Bonds 6%
- Cash 6%
Asset class-wise, this is an equity-leaning mix: 88% in stocks, 6% in bonds, and 6% in cash-like Treasuries. That means overall behavior is driven mainly by equity markets, with bonds and very short-term Treasuries acting more as a shock absorber than a dominant force. Compared with many “balanced” mixes that might hold far more bonds, this one stays firmly in growth territory. The presence of both a broad bond index and ultra-short Treasuries provides two distinct fixed income profiles: one more sensitive to interest rates, the other focused on stability and liquidity. Together, they create a modest buffer without diluting the equity engine that drives most return potential.
Sectors
- Technology 21%
- Financials 12%
- Health Care 11%
- Consumer Discretionary 9%
- Industrials 8%
- Consumer Staples 8%
- Energy 7%
- Telecommunications 7%
- Cash 6%
- Basic Materials 2%
- Utilities 1%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is fairly diversified, with technology the largest at 21%, followed by financials, health care, consumer sectors, and industrials. No single sector dominates the portfolio, and allocations are close to common broad-market patterns, which is helpful because it avoids making big sector “bets.” A roughly market-like sector mix means the portfolio should behave somewhat similarly to broad indices when sector trends change, rather than hinging on one area. For example, a tech-driven selloff would matter, but with meaningful exposure to health care, financials, and consumer staples, there are other revenue streams and business models that can buffer the impact compared with a pure tech-heavy approach.
Regions
- North America 77%
- Cash 6%
- Europe Developed 6%
- Japan 3%
- Asia Developed 1%
- Australasia 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, about 77% of the portfolio sits in North America, with smaller slices in developed Europe, Japan, and other developed regions. This creates a clear home-country tilt toward the US but still builds in some non-US diversification via the international equity ETF. Compared with a truly global equity market, which is more evenly spread, this portfolio leans more heavily on the US economy, US earnings, and the dollar. That focus has been rewarding in recent years but also means results are closely tied to US-specific cycles. The international exposure can help if other regions outperform, but it’s not large enough to fully offset a prolonged US downturn.
Market capitalization
- Large-cap 34%
- Mega-cap 24%
- Mid-cap 15%
- Small-cap 7%
- Micro-cap 6%
This breakdown covers the equity portion of your portfolio only.
By market capitalization, the portfolio spans the full spectrum, with meaningful stakes in mega-cap and large-cap stocks and smaller allocations to mid, small, and micro caps. Around 58% sits in mega and large caps combined, the types of companies that often dominate mainstream indices and tend to be more stable and established. The presence of small and micro caps through the dedicated small-cap value ETF adds more idiosyncratic risk and return potential, since these companies can move faster both up and down. This size mix means the portfolio won’t behave exactly like a pure large-cap index; smaller companies should contribute extra volatility and possibly different performance in certain economic phases.
True holdings
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NV NVIDIA Corporation 3.29%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AA Apple Inc. 2.91%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
MS Microsoft Corporation 2.35%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AM Amazon.com Inc 1.74%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AB Abbott Laboratories 1.51%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
GO Alphabet Inc Class A 1.42%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AM Amgen Inc 1.37%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
MR Merck & Company Inc 1.37%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
KO The Coca-Cola Company 1.35%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
UN UnitedHealth Group Incorporated 1.35%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
- Top 10 total 18.66%
This breakdown covers the equity portion of your portfolio only.
Looking through the ETFs, the largest individual underlying exposures include big names like NVIDIA, Apple, Microsoft, Amazon, and major healthcare and consumer companies. None of these single positions are overwhelmingly large, with the top names each around 1–3% of the total portfolio when aggregating across funds. Because only the top-10 holdings of each ETF are visible, overlap is likely understated, but the data still shows some recurring giants across both growth and broad equity funds. This kind of overlap creates subtle concentration in a handful of global leaders, which is typical for cap‑weighted products, and means a few mega-cap stocks can quietly influence returns more than the number of holdings might suggest.
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.
Factor exposure is generally balanced, with value, size, momentum, quality, and low volatility all sitting in the neutral band. That implies behavior close to broad market averages for those characteristics rather than a strong bet on any single style like deep value or high momentum. The standout is yield, which shows a “High” exposure at 61%. Factor exposure describes how much a portfolio leans into traits like cheapness (value) or stability (low volatility) that research links to returns. A higher yield tilt usually comes from dividend-oriented and value-leaning strategies, which may offer more income and sometimes lower downside in flat markets, but can lag in speculative growth-driven rallies when non-dividend payers lead.
Risk contribution
-
Schwab U.S. Large-Cap Growth ETF
Weight: 32.00% 42.6% -
Schwab U.S. Dividend Equity ETF
Weight: 32.00% 28.7% -
Avantis® U.S. Small Cap Value ETF
Weight: 12.00% 16.8% -
Schwab International Equity ETF
Weight: 12.00% 11.5% -
Vanguard Total Bond Market Index Fund ETF Shares
Weight: 6.00% 0.5% - Top 5 risk contribution 100.0%
Risk contribution highlights how much each holding drives the portfolio’s overall ups and downs, which can differ a lot from weight. The large-cap growth ETF, at 32% weight, accounts for about 43% of total risk, reflecting its more volatile, growth-focused nature. The small-cap value ETF, at 12% weight, contributes nearly 17% of risk, another sign that smaller, value-oriented companies can swing more. In contrast, bonds at 6% weight add less than 1% of risk, acting as a stabilizer. With the top three holdings generating nearly 88% of overall risk, the portfolio’s day‑to‑day moves are effectively driven by a concentrated core even though the number of funds looks diversified.
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 this portfolio sitting on or very near the efficient frontier, which is the curve representing the best achievable return for each level of risk using these existing holdings in different weights. Its Sharpe ratio of 0.81, which measures return per unit of risk above the risk-free rate, is solid and reasonably close to the optimal portfolio’s 1.01. That indicates the current mix uses its components effectively without obvious inefficiency. The minimum variance portfolio, by contrast, has extremely low risk but also very low return, showing what a nearly all-cash-style mix would look like. Overall, the data suggests the present balance of these six ETFs is already quite efficient.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.20%
- Vanguard Total Bond Market Index Fund ETF Shares 4.00%
- Schwab U.S. Dividend Equity ETF 3.10%
- Schwab International Equity ETF 3.00%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- iShares 0-3 Month Treasury Bond ETF 3.70%
- Weighted yield (per year) 2.09%
The portfolio’s overall dividend yield is about 2.09%, combining higher-income pieces like the dividend equity ETF, international equity, and bond funds with a low-yield growth ETF. Dividend yield is simply the annual cash distribution as a percentage of price, and it can be an important part of total return, especially over long periods. Here, income is supported by both equities and bonds: the dividend ETF yields around 3.1%, international equities about 3.0%, and the bond sleeve roughly 3–4%. This blend means returns come not just from price changes but also from regular cash distributions, which can help smooth the experience compared with relying purely on capital gains from growth-oriented holdings.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Vanguard Total Bond Market Index Fund ETF Shares 0.03%
- Schwab U.S. Dividend Equity ETF 0.06%
- Schwab International Equity ETF 0.06%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- iShares 0-3 Month Treasury Bond ETF 0.07%
- Weighted costs total (per year) 0.08%
Costs are impressively low, with a total expense ratio (TER) of about 0.08% across all ETFs. TER is the annual fee charged by the funds, expressed as a percentage of assets, and it quietly subtracts from returns each year. Keeping this number low is a clear positive because fees compound in the same way returns do but in the opposite direction. In dollar terms, on $10,000 that’s only about $8 per year in fund charges, which is very competitive relative to many actively managed products. This low-cost structure supports better long‑term outcomes by allowing more of the underlying market performance—and the factors and sectors chosen—to flow through to the investor.
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