Global equity mix with strong tech tilt and broadly diversified international exposure
Report created on Jul 7, 2026Risk profile
4/7
Diversification profile
4/5
Positions
-
AV Avantis All International Markets Equity ETF
AVNM - US0250721745 60.00% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 25.00% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 15.00%
This portfolio is a straightforward three‑ETF equity mix, fully invested in stocks with no bonds or cash buffer. Around 60% goes into a broad international equity ETF, 25% into a dedicated technology ETF, and 15% into a broad US large‑cap index. That structure means most of the weight comes from diversified core holdings, with a meaningful satellite tilt toward technology. A simple setup like this is easy to understand and track because each ETF plays a clear role. The absence of defensive assets like bonds or cash means the portfolio lives and dies with equity markets, which can be rewarding in strong periods and more uncomfortable in deep downturns.
Growth
Over the period shown, $1,000 grew to about $1,898, with a compound annual growth rate (CAGR) near 23.8%. CAGR is like your average speed on a long road trip, smoothing out bumps along the way. This return outpaced both the US market and the global market by roughly 3 percentage points per year. The maximum drawdown, or worst peak‑to‑trough drop, was about -17%, slightly milder than the US market and close to the global market. That mix of strong returns with moderate drawdowns suggests the combination of broad diversification and a tech tilt has been rewarded recently, though that reflects a favorable period for growth‑oriented stocks.
Projection
The Monte Carlo projection uses past return and volatility patterns to simulate many possible 15‑year paths for $1,000. Think of it as running 1,000 “what if” scenarios based on historical behavior. The median outcome ends around $2,685, with a central band from roughly $1,838 to $4,143, and a wide 5–95% range from about $997 to $8,437. The average simulated annual return is 8.3%, with about three‑quarters of paths ending positive. These ranges highlight how uncertain long‑term equity investing can be: outcomes cluster around growth, but bad sequences can still leave you flat, while good stretches can compound to much higher values.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with 0% in bonds, cash, or alternatives. Asset classes are broad buckets like equities, fixed income, and real assets that behave differently across market cycles. A 100% equity allocation typically means higher expected long‑term returns but also bigger swings along the way, since there is no stabilizing component to cushion equity selloffs. Compared with many broad market benchmarks that blend stocks and bonds, this portfolio leans more toward growth and volatility. The balanced risk label in the overview reflects overall behavior, but structurally the mix is firmly in the equity‑only camp.
Sectors
- Technology 39%
- Financials 16%
- Industrials 11%
- Consumer Discretionary 8%
- Basic Materials 7%
- Energy 5%
- Telecommunications 5%
- Health Care 4%
- Consumer Staples 3%
- Utilities 2%
- Real Estate 1%
The portfolio has a strong tilt toward technology at about 39%, well above a typical global equity benchmark where tech usually sits materially lower. Financials, industrials, and consumer‑related areas are present but smaller, while sectors like health care and utilities carry relatively modest weights. Sector allocation matters because different parts of the economy react differently to interest rates, inflation, and growth cycles. Tech‑heavy portfolios can benefit when innovation‑driven companies lead the market, but they may be more sensitive to rising rates or shifts in sentiment toward growth stocks. The remaining sectors help add some balance, though tech clearly drives a big part of the story here.
Regions
- North America 45%
- Europe Developed 22%
- Asia Developed 10%
- Japan 9%
- Asia Emerging 7%
- Australasia 3%
- Africa/Middle East 2%
- Latin America 1%
Geographically, about 45% of the portfolio lands in North America, with the rest spread across developed Europe, Japan, developed Asia, and smaller exposures to emerging regions. That means the mix is genuinely global rather than overwhelmingly home‑biased. Global benchmarks today often have over half in North America, so this portfolio is slightly more international than a typical world index. Geographic spread helps because economies, currencies, and policy cycles don’t move in lockstep. When one region slows, others can sometimes offset it. At the same time, foreign exposure also introduces currency swings versus the dollar, which can either boost or drag returns in any given period.
Market capitalization
- Mega-cap 38%
- Large-cap 30%
- Mid-cap 22%
- Small-cap 7%
- Micro-cap 1%
By market capitalization, the portfolio leans toward larger companies, with mega‑ and large‑caps together making up around two‑thirds of the exposure. Mid‑caps are meaningfully represented, while small‑ and micro‑caps sit at single‑digit percentages. Market cap reflects company size, and size matters because big firms often have more stable earnings and easier access to capital, while smaller firms can be more volatile but sometimes offer higher growth potential. This mix keeps the core in established names while still leaving some room for smaller companies to contribute. Compared with a pure large‑cap index, the added mid‑cap slice can slightly broaden diversification.
True holdings
-
NV NVIDIA Corporation 5.38%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AA Apple Inc. 4.87%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.24%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.61%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 1.30%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AM Advanced Micro Devices Inc 0.80%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
-
00 SK Hynix Inc 0.78%
Part of fund(s):- Avantis All International Markets Equity ETF
- Avantis® Emerging Markets Equity ETF
-
TS Taiwan Semiconductor Manufacturing 0.75%
Part of fund(s):- Avantis All International Markets Equity ETF
- Avantis® Emerging Markets Equity ETF
-
SM Samsung Electronics Co. Ltd 0.63%
Part of fund(s):- Avantis All International Markets Equity ETF
- Avantis® Emerging Markets Equity ETF
-
AM Amazon.com Inc 0.61%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 19.98%
Looking through the ETFs’ top holdings, several large technology and consumer names appear prominently, such as NVIDIA, Apple, Microsoft, Broadcom, and Amazon. NVIDIA and Apple alone account for over 10% combined exposure across funds. Because some of these companies appear in multiple ETFs, there is hidden concentration in a handful of mega‑cap growth names even though you only hold three funds. Look‑through analysis only uses top‑10 ETF holdings, so actual overlap may be a bit higher. This kind of concentration can amplify portfolio movements when those big names have strong rallies or sharp pullbacks, since they influence several layers of the portfolio at once.
Factors
Factor exposure is generally close to market‑like across value, size, momentum, quality, and yield, meaning no strong tilt toward or away from these traits. Factor investing looks at characteristics like cheap vs. expensive (value), small vs. big (size), and steady vs. jumpy (low volatility) as drivers of return. The one notable tilt here is a higher exposure to low volatility at about 63%, indicating a mild preference for stocks that historically swing less than the market. That doesn’t remove risk, but it can slightly dampen day‑to‑day fluctuations compared with a pure cap‑weighted equity basket with the same overall return profile.
Risk contribution
-
Avantis All International Markets Equity ETF
Weight: 60.00% 53.2% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 25.00% 33.9% -
Vanguard S&P 500 ETF
Weight: 15.00% 12.9%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weights. The international ETF, at 60% weight, contributes about 53% of risk, roughly in line with its size. The S&P 500 ETF also contributes slightly less risk than its weight. The tech ETF stands out: at 25% weight, it accounts for nearly 34% of total risk, with a risk‑to‑weight ratio above 1.3. That means this single sleeve punches above its size in shaping volatility. When technology is calm or strong, that can be helpful; during tech selloffs, the portfolio will likely feel those moves quite clearly.
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.
The efficient frontier analysis suggests the current mix is already on or very close to the best risk‑return trade‑off available using these three ETFs. The Sharpe ratio, which measures return per unit of risk above a risk‑free rate, is solid at about 1.18. The model indicates that slightly different weightings could reach Sharpe ratios around 1.39–1.40 with modestly lower volatility and only slightly lower returns, but the current allocation is still considered efficient for its risk level. In practical terms, this means the portfolio is making good use of the building blocks it has, without obvious inefficiencies in how they’re combined.
Dividends
- Avantis All International Markets Equity ETF 2.30%
- Vanguard Information Technology Index Fund ETF Shares 0.40%
- Vanguard S&P 500 ETF 1.10%
- Weighted yield (per year) 1.64%
The overall dividend yield is about 1.64%, with most income coming from the broad international ETF, which yields around 2.3%. The tech ETF yields very little, and the S&P 500 ETF sits in between. Dividend yield measures cash payouts as a percentage of portfolio value, and for equity‑heavy, growth‑tilted portfolios it’s normal for that figure to be modest. Here, total return has been driven more by price appreciation than income. Dividends can still provide a small, steady component of return, but this mix behaves more like a capital‑growth portfolio than a high‑income one, especially given the sizable allocation to low‑yielding technology.
Ongoing product costs
- Avantis All International Markets Equity ETF 0.31%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.22%
The weighted average total expense ratio (TER) is about 0.22% per year, combining a slightly higher‑cost international ETF with very low‑fee US funds. TER is the annual fee charged by ETFs, quietly deducted from returns over time, much like a small service charge. For an all‑equity portfolio, a blended cost in this range is competitive and meaningfully lower than many actively managed alternatives. Lower costs help because every 0.1% saved compounds over many years, leaving more of the portfolio’s gross return in your pocket. Overall, the cost structure here is impressively lean and supports better long‑term compounding.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey