A growth oriented low cost portfolio with strong US tilt and overlapping core holdings

Risk 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 suits an investor who is comfortable with meaningful market swings in pursuit of higher long‑term growth. They’re likely focused on goals at least 10 years away, like building wealth for retirement or growing a sizable nest egg, and can tolerate seeing temporary losses of 30% or more without panicking. Income today is a lower priority than total wealth decades from now, so a modest dividend yield is acceptable. They probably value simplicity and low costs, and they’re okay with a strong US market tilt as long as they have some global diversification. Staying invested through downturns is a key part of their mindset.

Positions

  • Schwab U.S. Large-Cap Growth ETF
    SCHG - US8085243009
    25.00%
  • Vanguard S&P 500 ETF
    VOO - US9229083632
    25.00%
  • Vanguard Total Stock Market Index Fund ETF Shares
    VTI - US9229087690
    25.00%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    25.00%

This portfolio is very concentrated in four broad stock ETFs, each at roughly a quarter of total value. Three of them track very similar slices of the same market, which creates a lot of overlap rather than extra diversification. That matters because owning several funds that all move together is basically like owning one big position in the same basket of stocks. Instead of spreading across many different strategies, this setup mainly doubles up on large US companies. A more streamlined mix using fewer core building blocks could keep the overall exposure similar while making the structure easier to manage and rebalance over time.

Growth Info

Historically, this mix has delivered a very strong compound annual growth rate (CAGR) of about 14.7%, meaning a hypothetical 10,000 dollars could have grown to roughly 39,000 over ten years if that rate persisted. That’s noticeably better than long‑term averages for broad stock markets, but it came with a roughly 34% maximum drawdown, which is a big temporary loss on paper. This pattern fits a growth profile: high upside with sizable swings. It’s useful to remember that past returns show how the portfolio behaved in previous cycles but cannot predict future results, especially if interest rates, inflation, or global growth look different ahead.

Projection Info

The Monte Carlo projections, which randomly re‑mix historical return and volatility patterns 1,000 times, show a very wide range of possible future outcomes. In simple terms, Monte Carlo is like running hundreds of “what if” market histories to see potential end values. The median result of more than a fivefold increase is optimistic, and even the weaker 5th percentile still ends slightly above breakeven. That reflects the growth‑heavy stock allocation. Still, simulations rely on historical behavior: if markets face new types of shocks, actual outcomes could fall outside these ranges. Treat these projections as rough scenario maps, not promises about where the portfolio will land.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%
  • Other
    0%
  • No data
    0%

The allocation is almost entirely in stocks, with about 99% equity and a token cash slice. That’s very much aligned with a growth classification and is similar to what many aggressive benchmarks use for long horizons. All‑equity setups can deliver strong long‑term returns because they fully participate in market gains, but they can also experience large and prolonged drawdowns. For someone who might need money within a few years, that can be stressful or even harmful if withdrawals lock in losses. If the goal is to temper volatility or prepare for nearer‑term spending, gradually adding a stabilizing asset type over time could make the ride smoother without fully abandoning growth.

Sectors Info

  • Technology
    33%
  • Financials
    14%
  • Consumer Discretionary
    11%
  • Telecommunications
    10%
  • Industrials
    9%
  • Health Care
    9%
  • Consumer Staples
    4%
  • Basic Materials
    3%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is quite balanced for a modern growth tilt, with technology around one‑third and meaningful stakes in financials, consumer sectors, communication, industrials, and healthcare. This aligns closely with broad US benchmarks and is a strong indicator of healthy diversification across the economy. A tech‑heavy slice does mean returns may be more sensitive to interest rates and innovation cycles; when growth stocks fall out of favor, drawdowns can be sharper. Still, because no single sector outside technology dominates excessively, the portfolio is not betting everything on one theme. Keeping this kind of broad spread can help different sectors offset each other across business cycles.

Regions Info

  • North America
    77%
  • Europe Developed
    9%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    0%
  • Europe Emerging
    0%

Geographically, the portfolio leans heavily on North America at about 77%, with the rest spread across developed Europe, Japan, and smaller stakes in emerging regions. That pattern broadly resembles many global benchmarks, although it is a bit more US‑centric. This alignment is helpful because the largest and most liquid markets remain well‑represented, supporting reliable pricing and diversification across many companies. However, a strong home bias means results will be heavily influenced by how the US market performs. Investors who want to reduce that single‑region reliance over time might slowly increase non‑US exposure, while those comfortable with a US tilt may simply maintain the current split.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    30%
  • Mid-cap
    16%
  • Small-cap
    3%
  • Micro-cap
    1%

Most holdings sit in mega and large companies, with nearly 80% in the biggest firms and modest exposure to mid, small, and micro caps. That’s in line with popular market‑cap‑weighted indexes and generally supports stability, since larger businesses tend to be more established and less fragile. The flip side is that the portfolio is less exposed to the potential higher growth and volatility of smaller companies. This large‑cap bias is not a problem; it’s very common and provides a solid core. If someone wanted more “engine” for long‑term growth and can handle extra bumps, gradually nudging the share of mid and small caps higher might add some diversification benefits.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Vanguard S&P 500 ETF
    Schwab U.S. Large-Cap Growth ETF
    High correlation

The three US core funds in the lineup are highly correlated, meaning they tend to move almost in lockstep day to day and in major market swings. Correlation is just a measure of how often things move together; when it’s high, owning both doesn’t reduce risk much. In downturns, these funds are likely to fall at the same time and in similar amounts, so the extra tickers don’t really spread out the pain. Since all three track overlapping baskets of large US stocks, simplifying to fewer overlapping funds could cut redundancy, make performance easier to understand, and still keep the same overall US equity exposure.

Dividends Info

  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.32%

The total dividend yield around 1.3% is modest but reasonable for a growth‑leaning stock mix dominated by large US companies. Yield is just the cash income as a percentage of portfolio value; many growth‑oriented firms reinvest profits instead of paying high dividends, aiming for capital appreciation. This setup is well aligned with investors who care more about long‑term growth than immediate income. For those who eventually want more regular cash flow, there’s room in the future to shift part of the portfolio toward higher‑yielding holdings. For now, most of the return is likely to come from price changes rather than from the 1.3% income stream.

Ongoing product costs Info

  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • 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 average ongoing cost (TER) of about 0.04% is impressively low and a real strength of this portfolio. TER, or total expense ratio, is like a small yearly “membership fee” taken from fund assets; keeping it tiny means more of the market’s return stays in your pocket. Over decades, even a few tenths of a percent can compound into thousands of dollars, so these rock‑bottom fees strongly support better long‑term performance. Because costs are already near the floor, there’s very little to improve here. The main opportunity is simplifying overlapping positions without accidentally moving into more expensive products.

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.

From a risk‑return perspective, this set of funds likely sits close to the efficient frontier for low‑cost, equity‑heavy portfolios. The “efficient frontier” is just the mix of available holdings that gives the best return for each possible level of volatility, like finding the fastest route for a given amount of fuel. But high correlation among the three US core ETFs suggests there may be a simpler, equally efficient mix using fewer funds. Adjusting weights among the existing holdings, and reducing overlap, could nudge the portfolio closer to the most efficient point for its current risk level, without changing the overall growth‑focused philosophy.

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