Tech tilted global equity mix with strong past growth and focused risk in one sector
Report created on Jul 31, 2026Risk profile
5/7
Diversification profile
3/5
Positions
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IG iShares Expanded Tech Sector ETF
IGM - US4642875490 40.00% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 40.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00%
This portfolio is a simple three‑ETF, 100% stock setup, with 40% in a tech sector fund, 40% in a broad US market fund, and 20% in a broad international fund. So the structure is equity‑only and clearly growth‑oriented, without bonds or cash as stabilizers. Simplicity matters because it makes it easier to understand what’s driving returns and risk. Here, a big slice is in a single growth sector, while the rest tracks thousands of companies worldwide. That means day‑to‑day moves are likely dominated by stock markets in general and by the tech sleeve in particular, rather than by interest rates via bonds or by alternative assets.
Growth
From 2016 to mid‑2026, $1,000 in this portfolio grew to about $5,127, a compound annual growth rate (CAGR) of 17.83%. CAGR is like average speed on a long road trip: it smooths out the bumps to show steady pace. This return beat both the US market (15.00% CAGR) and the global market (12.43% CAGR). The max drawdown, or worst peak‑to‑trough fall, was about -33.5%, similar to the benchmarks. It took roughly 11 months to bottom and 14 months to recover, showing that deep drops can last a while. Also, 90% of gains came in just 40 days, highlighting how missing a few strong days could meaningfully change outcomes.
Projection
The forward projection uses a Monte Carlo simulation, which basically reruns thousands of “what if” market paths using patterns from historical data. For a $1,000 starting point over 15 years, the median outcome lands around $2,863, or about 8.08% per year across all simulations. The middle half of scenarios (25th–75th percentile) ranges from roughly $1,778 to $4,232, with a wider possible range from about $937 to $7,674. Around 74% of runs end positive. These numbers are not promises; they’re statistical sketches saying, “here’s how this portfolio might behave if the future rhymes with the past,” which it never perfectly does.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash, or alternatives. Asset classes are broad buckets like stocks, bonds, and real estate, each with different risk and return patterns. A 100% stock mix leans fully into growth potential but usually accepts larger swings along the way, especially during market stress. Compared with a more mixed stock‑bond approach, this structure tends to rise more in strong equity markets and fall more in sharp downturns. This all‑equity stance is consistent with a growth risk score but means short‑term portfolio values will closely track equity market ups and downs without a built‑in shock absorber.
Sectors
- Technology 52%
- Telecommunications 11%
- Financials 9%
- Industrials 7%
- Consumer Discretionary 5%
- Health Care 5%
- Consumer Staples 3%
- Basic Materials 2%
- Energy 2%
- Utilities 1%
- Real Estate 1%
Sector exposure is clearly tilted: about 52% in technology and another 11% in telecommunications, with the rest spread across financials, industrials, consumer areas, health care, and smaller allocations elsewhere. A typical broad equity benchmark is far less tech‑heavy, so this is a notable concentration. Sector tilts matter because different parts of the economy respond differently to things like interest rates, regulation, or consumer trends. Tech‑heavy portfolios often benefit when innovation and growth stories are rewarded, but they can be more sensitive to changing rate expectations or shifts in investor sentiment away from high‑growth areas.
Regions
- North America 81%
- Europe Developed 7%
- Asia Developed 4%
- Japan 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, the portfolio is anchored in North America at about 81%, with smaller slices in developed Europe, developed Asia, Japan, emerging Asia, and tiny amounts in other regions. Global equity benchmarks usually have a lower US/North America share and more weight in non‑US markets. Geography affects exposure to different economies, currencies, and policy environments. A strong North American tilt can track US corporate and economic conditions closely, while still getting some diversification from overseas markets. At the same time, events specific to the US and its currency will have an outsized impact compared with a more regionally balanced global mix.
Market capitalization
- Mega-cap 45%
- Large-cap 32%
- Mid-cap 15%
- Small-cap 5%
- Micro-cap 1%
By market capitalization, nearly half the portfolio sits in mega‑cap companies and another third in large caps, with smaller portions in mid, small, and micro caps. Market cap simply measures company size in the stock market. This tilt toward bigger firms is common in broad index funds, which often weight companies by size. Larger companies tend to be more stable and widely researched, while smaller ones can be more volatile but sometimes more sensitive to local trends or innovation cycles. Here, the size profile is broadly in line with market norms, offering a familiar blend of stability from giants plus some growth potential from smaller names.
True holdings
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NV NVIDIA Corporation 6.01%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- iShares Expanded Tech Sector ETF
-
AA Apple Inc 5.49%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- iShares Expanded Tech Sector ETF
-
MS Microsoft Corporation 4.75%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- iShares Expanded Tech Sector ETF
-
AV Broadcom Inc 4.54%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- iShares Expanded Tech Sector ETF
-
GO Alphabet Inc Class A 3.06%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- iShares Expanded Tech Sector ETF
-
GO Alphabet Inc Class C 2.43%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- iShares Expanded Tech Sector ETF
-
ME Meta Platforms Inc. 2.33%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- iShares Expanded Tech Sector ETF
-
MU Micron Technology Inc 1.98%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- iShares Expanded Tech Sector ETF
-
AM Amazon.com Inc 1.27%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Advanced Micro Devices Inc 1.17%
Part of fund(s):- iShares Expanded Tech Sector ETF
- Top 10 total 33.05%
Looking through the ETFs’ top holdings, a handful of big tech‑related names stand out: NVIDIA, Apple, Microsoft, Broadcom, Alphabet (both share classes), Meta, Micron, Amazon, and AMD. Together, these ten account for a noticeable slice of the portfolio, with NVIDIA alone above 6% and Apple around 5.5%. Because these companies appear in multiple funds, there’s hidden concentration beyond what the three‑ETF lineup suggests. Overlap is likely understated, since only ETF top‑10 positions are visible here. When several funds share the same giants, those companies can drive a large share of overall performance, both on the upside and during sector‑specific pullbacks.
Factors
Factor exposure overall is close to market‑like across most dimensions, with value standing out as mildly low at 39%, and other factors (size, momentum, quality, yield, low volatility) sitting in the neutral band. Factors are like underlying “personality traits” of stocks — such as being cheap (value) or stable (low volatility) — that research links to long‑term returns and risk. A low value score means the portfolio leans a bit away from cheaper, more beaten‑down stocks and toward more expensive growth names. This fits with the tech tilt and can work well in growth‑friendly markets, but may lag if investors rotate toward cheaper segments.
Risk contribution
-
iShares Expanded Tech Sector ETF
Weight: 40.00% 48.8% -
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 40.00% 36.2% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 15.1%
Risk contribution shows how much each ETF drives the portfolio’s ups and downs, which can differ from its weight. Here, the tech ETF is 40% of capital but contributes about 49% of total risk, with a risk‑to‑weight ratio of 1.22. The broad US and international funds together make up 60% of the weight but about 51% of the risk. This tells us the tech sleeve is more volatile than the rest and amplifies overall swings. When one position’s risk share is materially higher than its allocation, portfolio behavior will be especially sensitive to moves in that holding’s sector and style.
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 sits on or very close to the efficient frontier, meaning that for its level of volatility, the mix is using its three holdings effectively. The Sharpe ratio — a measure of return per unit of risk after accounting for a risk‑free rate — is 0.69 for the current setup. The maximum‑Sharpe mix using the same funds reaches 0.92 with higher risk and return, while the minimum‑variance mix lowers risk with a Sharpe of 0.62. This suggests that, historically, the chosen weights already deliver an efficient balance inside this specific three‑ETF toolkit.
Dividends
- iShares Expanded Tech Sector ETF 0.10%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.60%
- Weighted yield (per year) 1.00%
The overall dividend yield is about 1.0%, with the tech ETF at just 0.10%, the US total market around 1.10%, and the international fund at 2.60%. Dividend yield is the annual cash payout as a percentage of current price, like interest on a savings account but not guaranteed. Here, the income component is modest, especially compared with more income‑oriented stock or bond portfolios. Returns have historically come mostly from price growth rather than cash distributions. This is common in growth‑ and tech‑tilted setups, where companies often reinvest profits into expansion instead of paying them out to shareholders.
Ongoing product costs
- iShares Expanded Tech Sector ETF 0.41%
- 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) 0.19%
Total annual costs come to about 0.19%, with the tech ETF at 0.41% and the broad Vanguard funds at 0.03% and 0.05%. These expense ratios are the ongoing fees charged by the funds, taken directly out of returns. In the world of actively and passively managed funds, a blended cost under 0.20% is impressively low and compares favorably with many similar offerings. Lower costs leave more of any market return in the portfolio over time, and the effect compounds over long horizons. Here, the fee drag is small, so performance is driven far more by market behavior and portfolio structure than by expenses.
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