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A “balanced” portfolio that is actually a tech tilted stock rocket with tiny training wheels

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

Balanced Investors

This setup suits someone who says they’re “moderate” but secretly loves watching markets swing around. It fits a person with decent risk tolerance, a long time horizon, and a bias toward growth over comfort. They probably care about diversification enough to sprinkle in foreign, small-cap, and value exposure, but not enough to actually sacrifice returns for true safety. Retirement or long-term wealth-building is likely the main goal, with withdrawal day still comfortably far away. Emotional tolerance needs to be strong enough to handle a 25–30% drop without bailing. In short: patient, growth-focused, claims to like balance, but clearly okay riding the roller coaster.

Positions

  • Schwab U.S. Broad Market ETF
    SCHB - US8085241029
    36.85%
  • Schwab International Equity ETF
    SCHF - US8085248057
    20.21%
  • Schwab U.S. Large-Cap Growth ETF
    SCHG - US8085243009
    10.07%
  • Schwab International Small-Cap Equity ETF
    SCHC - US8085248883
    8.34%
  • Technology Select Sector SPDR® Fund
    XLK - US81369Y8030
    6.93%
  • Schwab Emerging Markets Equity ETF
    SCHE - US8085247067
    5.83%
  • Avantis® U.S. Small Cap Value ETF
    AVUV - US0250728773
    5.55%
  • Avantis® International Small Cap Value ETF
    AVDV - US0250728021
    1.79%
  • Schwab U.S. Aggregate Bond ETF
    SCHZ - US8085248396
    1.58%
  • Schwab U.S. Dividend Equity ETF
    SCHD - US8085247976
    1.55%
  • Avantis International Large Cap
    AVIV - US0250723642
    1.32%

This thing calls itself “Balanced” but it’s 98% stocks and 2% bonds, so let’s not pretend it’s wearing a helmet. The structure is basically: big U.S. core, lots of growth spice, and a random sprinkle of bonds and dividend fluff small enough to be decorative. Compared with a typical balanced mix, which might sit closer to 60% stocks and 40% bonds, this is closer to an aggressive growth setup cosplaying as moderation. That’s fine if the goal is long-term growth and you can stomach big drops. If the label says “balanced,” the mix should slowly drift toward more bonds and/or defensive assets, not just call itself moderate and hope no one checks the ingredients.

Growth Info

Historically, a 12.69% CAGR (Compound Annual Growth Rate) is very solid. If someone started with $10,000, that’s roughly $33,000 after 10 years — not shabby. But the max drawdown of -27.15% means there were stretches where the portfolio looked like it fell down the stairs. For context, a truly balanced portfolio would often drop less in big crashes, trading some upside for fewer panic-inducing moments. Past data is like yesterday’s weather: useful, but not psychic. The takeaway: strong growth, but you’re clearly paying for it with higher volatility. If the goal is “sleep at night,” more risk dampeners wouldn’t hurt.

Projection Info

The Monte Carlo stats are basically simulations where a computer throws dice 1,000 times using past return and volatility patterns. Here, the median outcome of about +373% screams “growth engine,” and even the 5th percentile at +49% is surprisingly kind, though that’s still not “guaranteed safe.” The annualized 13.12% across simulations looks rosy, but simulations are like flight simulators: helpful for training, useless against actual turbulence if the inputs are too optimistic. This setup should do well in most long-term scenarios but could feel ugly in nasty bear markets. If future comfort matters, dialing in a bit more protection and fewer overlapping growth rockets can make the ride less stomach-churning.

Asset classes Info

  • Stocks
    98%
  • Bonds
    2%
  • Cash
    0%
  • Other
    0%
  • No data
    0%

Asset classes here are basically “stocks and… oh right, 2% bonds.” Calling that “broadly diversified” is generous. You’ve built a race car, then bolted on one tiny bicycle brake and called it risk management. Stocks at 98% means performance will be great in good markets, but when everything sells off, that sliver of bonds isn’t going to save much. A more genuinely balanced setup usually spreads across stocks, bonds, and sometimes other stabilizers. If the goal is to actually behave like a balanced profile, slowly increasing fixed income and other low-volatility holdings over time would make this less of a one-trick equity pony.

Sectors Info

  • Technology
    28%
  • Financials
    15%
  • Industrials
    12%
  • Consumer Discretionary
    10%
  • Health Care
    8%
  • Telecommunications
    7%
  • Basic Materials
    5%
  • Energy
    5%
  • Consumer Staples
    5%
  • Real Estate
    2%
  • Utilities
    2%

Sector-wise, this is a tech enthusiast’s dream with a side of denial. Technology at 28% plus growth-heavy funds and a tech sector ETF on top is basically “Tech addiction detected.” Financials, industrials, cyclicals, and the rest are there, but tech is clearly the favorite child. Compared with broad market indexes, this tilt isn’t insane, but layering a dedicated tech fund on top of already tech-heavy U.S. growth and broad market exposure is doubling down. When tech wins, you’ll feel brilliant; when it stumbles, you’ll wonder why everything fell at once. Trimming pure sector bets and leaning more into broad, diversified funds would calm that concentration risk.

Regions Info

  • North America
    64%
  • Europe Developed
    15%
  • Japan
    7%
  • Asia Developed
    4%
  • Asia Emerging
    3%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Europe Emerging
    0%

Geographically, this is a patriotic U.S. fan club with a healthy but not dominant foreign sidekick. About 64% in North America screams “America first,” with Europe, Japan, and other regions playing supporting roles. Compared with global market weights, it’s very U.S.-centric but not insanely so; lots of DIY investors are way worse. On the plus side, there is actual exposure to developed and emerging markets, which is more sophistication than many portfolios manage. Still, if long-term resilience matters, nudging a bit more toward a truly global spread and not just “U.S. plus some foreign garnish” would reduce the risk of one country’s fate driving everything.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    27%
  • Mid-cap
    19%
  • Small-cap
    10%
  • Micro-cap
    4%

Market cap mix is one of the more reasonable parts: 38% mega, 27% big, 19% mid, 10% small, 4% micro. That’s a nice barbell between household names and spicy small caps without screaming “YOLO micro-cap casino.” The added small-cap value funds show a conscious tilt toward historically rewarded factors, which is almost suspiciously thoughtful. The catch is that those tiny companies and value tilts can amplify volatility when markets are stressed. A bit less overlapping exposure to small international names and more focus on clean, broad core holdings could keep the intended tilt without turning every correction into a full-blown drama.

Redundant positions Info

  • Avantis® International Small Cap Value ETF
    Schwab International Equity ETF
    Schwab International Small-Cap Equity ETF
    Avantis International Large Cap
    High correlation
  • Technology Select Sector SPDR® Fund
    Schwab U.S. Large-Cap Growth ETF
    Schwab U.S. Broad Market ETF
    High correlation

The correlated asset groups basically say: you’re buying the same themes multiple times and pretending it’s diversification. International small caps and value funds are marching in lockstep, so holding several versions adds complexity more than real risk reduction. Same story with tech-heavy U.S. growth, broad U.S. market, and a dedicated tech sector ETF — it’s like ordering three flavors of the same ice cream and calling it variety. Correlation means assets tend to move together; when they all fall at once, that “diversification” vanishes. Streamlining overlapping funds into fewer, broader building blocks would simplify the portfolio and make each holding actually pull its own weight.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.70%
  • Avantis International Large Cap 2.70%
  • Avantis® U.S. Small Cap Value ETF 1.40%
  • Schwab U.S. Broad Market ETF 1.10%
  • Schwab International Small-Cap Equity ETF 3.30%
  • Schwab U.S. Dividend Equity ETF 3.30%
  • Schwab Emerging Markets Equity ETF 2.60%
  • Schwab International Equity ETF 3.10%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Schwab U.S. Aggregate Bond ETF 4.00%
  • Technology Select Sector SPDR® Fund 0.60%
  • Weighted yield (per year) 1.82%

A total yield of 1.82% is basically a light snack, not an income strategy. Despite having a dividend equity ETF and some value funds, the overall setup still screams growth-first, cash-later. That’s fine if the plan is long-term compounding where dividends get reinvested, but anybody dreaming of near-term income from this will be disappointed. Chasing yield too hard can backfire, though; high yield often comes with higher risk or slower growth. If income is a real goal down the road, gradually tilting toward more income-oriented, stable assets closer to the withdrawal phase would make more sense than trying to squeeze big paychecks from a growth-heavy machine.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis International Large Cap 0.25%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Schwab U.S. Broad Market ETF 0.03%
  • Schwab International Small-Cap Equity ETF 0.11%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab Emerging Markets Equity ETF 0.11%
  • Schwab International Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Schwab U.S. Aggregate Bond ETF 0.03%
  • Technology Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.07%

Costs are where this portfolio accidentally looks like it knows what it’s doing. A total TER around 0.07% is impressively low — you must have clicked the cheap ETFs on purpose. The Avantis funds are pricier than the Schwab stuff, but still far from outrageous, especially for factor-based strategies. Over decades, costs are like small leaks in a boat; this one is pretty close to watertight. The only mild critique is complexity: multiple overlapping funds for tiny slices of extra factor exposure might not be worth the extra fees and mental overhead. Tightening the lineup while keeping costs low would make this both cleaner and smarter.

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.

Risk versus return here is tilted firmly toward “take more risk, get more potential return,” not exactly a model of efficiency. Efficient Frontier just means the best mix of risk and return for a given volatility level — not magic free money. This portfolio leans hard into equities and growth sectors while pretending to be balanced, which likely puts it off that efficient sweet spot for a “moderate” profile. There’s obvious room to improve by cutting redundant, correlated holdings and using simpler, broader funds to hit a similar return with slightly lower drama. You’re not miles off, but you’re definitely paying for more roller coaster than the label suggests.

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