A growth oriented stock portfolio with strong dividends but heavy single company and factor tilts
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 fits an investor who is growth-oriented, comfortable with meaningful swings in portfolio value, and willing to accept concentrated bets in exchange for higher potential upside. They might be targeting long-term goals like retirement, wealth building, or funding future big life events, with a horizon of at least 7–10 years or more. A moderate-to-high risk tolerance is key, including the ability to stay invested through drawdowns of 25–30% or more without panicking. Dividends and factor tilts appeal to someone who likes a blend of cash flow and aggressive growth, and who is okay with relying mainly on equities for their financial progress.
Positions
-
Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 55.10% -
Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 26.80% -
Alpha Tau Medical Ltd
DRTS - IL0011839383 18.10%
This portfolio is very focused: three positions, all stock-based, with over half in a dividend ETF, about a quarter in a momentum ETF, and a sizable 18% in a single healthcare stock. Compared to a broad market benchmark that might hold thousands of positions, this setup is more concentrated and leans into specific styles like dividends and momentum. Concentration can boost returns if those choices work out, but it also makes outcomes more dependent on a few key holdings. Thinking about whether this level of concentration fits long-term comfort with big swings could help shape any future rebalancing or position sizing decisions.
Growth
Historically, the portfolio has done very well, with a Compound Annual Growth Rate (CAGR) of 15.2%. CAGR is like your average speed on a long road trip, smoothing out bumps along the way. If someone had started with $10,000, that growth rate suggests a value around $40,000 after 10 years, assuming a similar pattern. The maximum drawdown of about -27% means there was a period where the value fell that much from a prior peak, which is meaningful but not extreme for a growth profile. It’s helpful to remember that those strong past returns don’t guarantee similar results, especially with specific factor and single-stock exposure.
Projection
The Monte Carlo analysis, which runs 1,000 different “what if” market paths using historical patterns, shows a wide range of possible futures. At the 5th percentile, outcomes lose about 84%, while the median scenario more than doubles and some high-end paths grow several times over. Monte Carlo is like simulating many alternate timelines: it helps gauge how bumpy the ride might be, not predict a single exact result. The average simulated return of 17.6% looks appealing but also reflects the portfolio’s riskiness. It’s important to view these results as rough guideposts, since they rely heavily on past data and can’t fully capture future shocks or regime changes.
Asset classes
- Stocks 100%
- Cash 0%
All investable assets here are in one class: stocks. That pure equity stance is consistent with a growth profile and can drive strong long-term compounding, especially when paired with quality and momentum styles. However, it also means there’s no built-in ballast from things like bonds or cash that might cushion big downturns. Many broad benchmarks mix in multiple asset classes to smooth returns. The current structure is totally fine for someone who accepts significant ups and downs, but anyone wanting a smoother ride might eventually look at whether even a modest slice in more defensive assets could help reduce volatility while keeping long-term growth on track.
Sectors
- Health Care 28%
- Technology 14%
- Consumer Staples 12%
- Energy 12%
- Financials 10%
- Industrials 10%
- Consumer Discretionary 7%
- Telecommunications 6%
- Utilities 1%
- Basic Materials 1%
- Real Estate 0%
Sector exposure is fairly spread across healthcare, technology, consumer areas, energy, financials, and industrials, though healthcare stands out as the largest piece. This mix lines up reasonably well with broad market patterns, which is a positive sign for diversification within equities. Still, a relatively big healthcare tilt plus a concentrated single healthcare stock can amplify sector-specific risk, like regulation or clinical news. Sector tilts can add upside when conditions are favorable but can also drag returns if that area falls out of favor. Regularly checking whether these sector weights still match personal conviction and comfort with headline risk can help keep the overall risk profile intentional, not accidental.
Regions
- North America 81%
- Europe Developed 19%
- Asia Emerging 0%
- Latin America 0%
Geographically, the portfolio leans strongly toward North America, with a smaller slice in developed Europe and essentially no exposure to emerging regions. This is similar to many US-based benchmarks that are heavily tilted toward domestic markets. That home bias has historically been rewarded at times, especially when the US market outperforms. On the flip side, it does mean returns are closely tied to the economic and policy environment in those regions. Adding more global breadth can sometimes reduce country-specific risk, but staying concentrated can be fine if that focus aligns with beliefs, comfort with currency exposure, and familiarity with underlying companies.
Market capitalization
- Large-cap 46%
- Small-cap 21%
- Mid-cap 21%
- Mega-cap 11%
- Micro-cap 1%
Market capitalization exposure spans mega, big, mid, and small companies, with only a tiny slice in micro caps. This balance is a nice strength: it brings stability from larger firms while still tapping into the higher growth potential of smaller businesses. Compared to benchmarks that often lean heavily toward mega and large caps, this allocation has a bit more tilt toward the mid and small space, which can boost returns but also add volatility. That blend supports growth and diversification within equities. It’s worth occasionally checking that smaller company exposure still feels right, since those names can move more sharply during market stress.
Dividends
- Schwab U.S. Dividend Equity ETF 3.30%
- Invesco S&P 500® Momentum ETF 0.70%
- Weighted yield (per year) 2.01%
The overall yield of around 2.0% is largely driven by the dividend-focused ETF, which has a healthy 3.3% yield. That’s a nice feature for anyone who appreciates some income on top of price gains. The momentum ETF contributes less yield, reflecting its focus on price strength rather than payouts. Dividends can help smooth returns in flat or choppy markets and may offer psychological comfort during downturns. It’s worth keeping in mind that dividend yields can change over time as prices move and companies adjust payouts, and that strong dividend focus still carries full equity risk even if the income stream feels more stable.
Ongoing product costs
- Schwab U.S. Dividend Equity ETF 0.06%
- Invesco S&P 500® Momentum ETF 0.13%
- Weighted costs total (per year) 0.07%
The portfolio’s costs are impressively low, with a blended expense ratio around 0.07%. That’s well below the average for many actively managed funds and closely aligned with best practices in cost-efficient investing. Fees are like a silent tax that repeats every year, so keeping them minimal supports better compounding over decades. Low-cost building blocks are a real strength here, especially given the growth orientation. The individual stock position also has no ongoing fund fee, which further keeps costs in check. Periodically checking for any changes in ETF expense ratios or unnecessary trading can help maintain this cost advantage over time.
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.
The Efficient Frontier is a concept that maps out the “best possible” mix of current holdings for each level of risk, based on historical returns and volatility. Here, an alternative mix of the same three assets could theoretically achieve a higher expected return of about 20.8% at the same risk level, and the “optimal” point on that curve also shares that higher return with similar risk. Efficiency here means maximizing the trade-off between risk and reward, not necessarily improving diversification or adding new assets. Using these insights, someone could decide whether adjusting the weights between the dividend ETF, momentum ETF, and single stock aligns with their comfort with volatility and drawdowns.
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