Balanced global index core with tech growth tilt and strong low volatility characteristics
Report created on Jun 4, 2024Risk profile
4/7
Diversification profile
3/5
Positions
-
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% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 15.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 15.00% -
BN Vanguard Total World Bond ETF
BNDW - US92206C5655 10.00%
The structure here is a simple five‑ETF mix: roughly 60% broad U.S. stocks and 20% international stocks, plus 15% in a growth‑oriented index and 15% in a dividend‑oriented fund. A 10% world bond sleeve adds some stability without dominating the overall risk profile. This kind of “core and satellite” build is powerful: low‑cost broad market funds form the base, while targeted growth and dividend tilts add flavor. For many investors, this layout offers an understandable, easy‑to‑maintain setup that still has personality. The main takeaway is that this is a mostly equity portfolio with a modest bond cushion, so it aims for growth first and smoothness second.
Growth
Historically, $1,000 grew to about $1,766 over the period, a compound annual growth rate (CAGR) of 11.03%. CAGR is like your average speed on a road trip, smoothing out bumps along the way. The portfolio lagged the U.S. market by about 2.1 percentage points per year but stayed almost in line with the global market, just 0.14 points behind. Max drawdown, the worst peak‑to‑trough fall, was about -24.6%, similar to the U.S. market. That means downside so far has been typical for an equity‑heavy mix. It’s important to remember this strong period included big tech outperformance; future results can differ a lot from this snapshot.
Asset classes
- Stocks 90%
- Bonds 10%
Asset‑class‑wise, this is 90% stocks and 10% bonds, firmly in growth territory. That equity share is higher than many “classic” balanced mixes, which often sit around 60/40, but it still includes a stabilizing bond element. Stocks drive long‑term growth but can swing sharply; bonds typically act like shock absorbers, trimming overall volatility and drawdowns. At 10%, bonds will help, yet they won’t dramatically change the equity‑like ride. This allocation is well‑aligned with investors who prioritize long‑run capital growth and can tolerate meaningful ups and downs, rather than those who want capital preservation or very steady income.
Sectors
- Technology 26%
- Financials 11%
- Health Care 9%
- Industrials 9%
- Consumer Discretionary 9%
- Telecommunications 8%
- Consumer Staples 7%
- Energy 5%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Sector exposure leans toward technology at 26%, with financials, health care, industrials, and consumer areas more evenly spread behind it. This tech tilt is unsurprising given the NASDAQ‑focused slice and the dominance of tech in broad U.S. indexes. A tech‑heavy mix often benefits when innovation and growth stories are rewarded, but it can feel especially rough when interest rates rise or when markets rotate toward more defensive, slower‑growth businesses. The positive note: the remaining sectors are reasonably represented, avoiding extreme one‑sector bets. The key is simply recognizing that a notable slice of future returns and risk will be tied to tech‑related cycles.
Regions
- North America 71%
- Europe Developed 8%
- Japan 3%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, about 71% is in North America, with much smaller slices in Europe, Japan, developed Asia, and emerging regions. This is more home‑ and U.S.‑centric than typical global market weights, which usually give the U.S. closer to 60%. A heavier North American lean has been a tailwind in recent years, thanks to strong U.S. mega‑cap performance. The trade‑off is less diversification if non‑U.S. markets outperform in future decades or if U.S. valuations correct. Still, the presence of international and emerging exposure adds useful global breadth. It’s a solid base that could be dialed up or down depending on comfort with U.S. dominance.
Market capitalization
- Large-cap 34%
- Mega-cap 34%
- Mid-cap 16%
- Small-cap 4%
- Micro-cap 1%
This breakdown covers the equity portion of your portfolio only.
Market‑cap exposure is heavily tilted to mega‑ and large‑cap companies, together about 68%, with modest allocations to mid‑caps and a small slice of small/micro‑caps. Larger firms tend to be more stable, better researched, and less prone to extreme single‑stock volatility than tiny companies, which aligns well with a balanced risk profile. On the flip side, it means less exposure to the potential higher long‑term growth (and risk) of smaller companies. This market‑like size distribution supports smoother compounding and easier “sleep at night” investing, while still keeping some participation in the broader corporate growth spectrum.
True holdings
-
BN Vanguard Bond Index Funds - Vanguard Total Bond Market ETF 5.08%
Part of fund(s):- Vanguard Total World Bond ETF
-
BN Vanguard Charlotte Funds - Vanguard Total International Bond ETF 4.92%
Part of fund(s):- Vanguard Total World Bond ETF
-
NV NVIDIA Corporation 3.75%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 3.47%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.62%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.90%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.62%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.39%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.37%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.35%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 27.47%
This breakdown covers the equity portion of your portfolio only.
Looking through ETF top holdings, there’s clear concentration in a handful of mega‑cap tech names: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, and Broadcom all show up across funds. Overlap like this means the true exposure to these companies is higher than each single ETF weight suggests. Hidden concentration isn’t necessarily bad; it just means outcomes are more tied to how these few firms perform. Since coverage only includes ETF top‑10 positions, the overlap is likely understated. The useful takeaway is to be aware that performance and risk may lean heavily on a small set of dominant global companies, especially during sharp tech booms or busts.
Factors
Factor exposure is broadly neutral across value, size, momentum, quality, and yield, meaning it behaves much like the overall market on those dimensions. Factor investing targets characteristics like cheapness (value) or recent winners (momentum) that research links to returns. The standout here is a higher tilt toward low volatility at 62%. Low‑volatility exposure leans into stocks that historically swing less than the market. That can help cushion downturns but may lag during sharp risk‑on rallies. Overall, this well‑balanced factor profile, combined with a mild low‑vol tilt, lines up nicely with a “steady growth” style rather than a heavily tactical or niche approach.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 40.00% 46.7% -
Invesco NASDAQ 100 ETF
Weight: 15.00% 21.1% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 19.0% -
Schwab U.S. Dividend Equity ETF
Weight: 15.00% 12.4% -
Vanguard Total World Bond ETF
Weight: 10.00% 0.8%
Risk contribution shows how much each holding drives total ups and downs, which can differ from its weight. The total U.S. stock ETF is 40% of assets but about 47% of risk, while the NASDAQ 100 slice is 15% of assets yet over 21% of risk, reflecting its higher volatility. Together with international stocks, the top three positions generate nearly 87% of portfolio risk. Bonds, at 10% weight, add less than 1% of risk, acting as a true stabilizer. This pattern is common, but it’s worth noting that any future shift in weights would mostly affect risk by changing those big equity buckets, not the bond sleeve.
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 has a Sharpe ratio of 0.65, which measures return earned per unit of risk. The optimal mix of these same holdings reaches a Sharpe of 0.83 with slightly higher return (13.37%) for similar risk (14.97%). Being about 1.5 percentage points below the efficient frontier at today’s risk level means there’s room to improve the trade‑off using only re‑weighting, not new products. The good news: the gap is modest, so the current allocation is already reasonably efficient. Small tweaks toward that optimal mix could boost expected returns without meaningfully changing volatility.
Dividends
- Vanguard Total World Bond ETF 4.20%
- Invesco NASDAQ 100 ETF 0.50%
- Schwab U.S. Dividend Equity ETF 2.60%
- Vanguard Total Stock Market Index Fund ETF Shares 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- Weighted yield (per year) 1.96%
The total yield of about 1.96% combines low payouts from growth‑oriented tech names with higher income from dividend stocks and bonds. Yield is the cash paid out as interest or dividends, separate from price changes. The bond ETF’s yield around 4.2% and the 2.6% from the dividend equity fund do a lot of the heavy lifting here, while the NASDAQ exposure barely contributes income at 0.5%. This setup makes sense for an investor focusing primarily on total return rather than living off portfolio income. Over time, reinvested dividends can quietly power compounding, even if the headline yield looks modest.
Ongoing product costs
- Vanguard Total World Bond ETF 0.05%
- Invesco NASDAQ 100 ETF 0.15%
- Schwab U.S. Dividend Equity ETF 0.06%
- 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) 0.06%
Costs are impressively low, with a total expense ratio around 0.06%. The expense ratio (TER) is what you pay fund managers annually, like a small ongoing service fee. Keeping fees down is one of the very few things investors can fully control, and the gap between 0.06% and, say, 0.5–1% compounds significantly over decades. The use of Vanguard, Schwab, and Invesco index ETFs here is firmly in best‑practice territory for cost control. This cost profile supports better long‑term performance by letting more of the portfolio’s gross return stay in your pocket instead of leaking away in fund charges.
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