Globally diversified but stubbornly allergic to US stocks and allergic to optimal risk return math
Report created on Apr 10, 2026Risk 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.
Positions
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VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 90.00% -
VT Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 10.00%
This “portfolio” is two funds in a trench coat: 90% international stocks and 10% total world. It’s like you discovered diversification and then rage-quit the US market almost entirely. Structurally it’s clean and simple, but functionally you’ve built “international ex-US plus a tiny US side quest.” That’s a pretty hard geographic bet dressed up as a balanced allocation. Simple is good, but simple and lopsided is just concentrated risk with extra paperwork. Takeaway: one or two broad funds are fine, but the 90/10 split makes it clear this isn’t neutral global exposure — it’s a deliberate tilt that will live or die on non-US markets actually showing up.
Growth
Historically, this thing has grown $1,000 into $2,497 — not tragic, but then the US market walks in with $1,000 turning into way more, and suddenly your “pretty good” looks very “participation trophy.” A 9.61% CAGR versus 14.58% for the US is a big gap; that’s “nice car vs. bus pass in retirement” territory over decades. Max drawdown was slightly worse than both benchmarks too, so you earned less while hurting more. Past data isn’t destiny, but it’s yesterday’s scorecard, and this one says: heavy international tilt has been a long, expensive act of faith so far.
Projection
Monte Carlo simulations are like running a thousand alternate timelines to see how your money might turn out. Here, the median 15‑year outcome is $2,753 from $1,000 — decent, but not fireworks. The spread is wide: in ugly worlds you end near $1,057, in very kind ones over $8,000. That’s the price of being 100% in stocks: you signed up for drama, not a savings account. And remember, simulations are basically “fancy guesswork based on the past” — more weather report than prophecy. Takeaway: the future range is wide enough that you should care a lot about time horizon and stomach strength.
Asset classes
- Stocks 100%
You went full equity — 100% stocks, zero bonds, zero anything else. That’s not “balanced”; that’s “hope volatility doesn’t break me before my goals show up.” For someone tagged as a “Balanced Investor,” this looks more like an enthusiastic growth profile just wearing a sensible name badge. All your return and all your pain come from one asset class, so when stocks sneeze, your whole portfolio gets the flu. Takeaway: being all-equity can work for long horizons and strong nerves, but calling this balanced is like calling an energy drink “hydrating.”
Sectors
- Financials 22%
- Technology 17%
- Industrials 16%
- Consumer Discretionary 9%
- Basic Materials 8%
- Health Care 8%
- Consumer Staples 5%
- Telecommunications 5%
- Energy 5%
- Utilities 3%
- Real Estate 3%
Sector-wise, it’s actually not ridiculous: financials, tech, and industrials lead, with everything else getting at least a seat at the table. No single sector is doing full drama-queen levels of dominance. But 22% in financials plus 17% in tech means you’re very dependent on banks not imploding and global tech cycles staying friendly. It’s diversified enough that you won’t get one‑sector obliterated, but not so balanced that you’re immune to clustered pain. Takeaway: this is a reasonably spread sector mix, but don’t kid yourself — when global risk-off hits banks and tech, you’ll know.
Regions
- Europe Developed 34%
- Japan 15%
- North America 14%
- Asia Developed 14%
- Asia Emerging 13%
- Australasia 4%
- Africa/Middle East 3%
- Latin America 2%
- Europe Emerging 1%
Geography is where the portfolio really leans into its personality: only 14% in North America and a big bet on developed Europe (34%) plus Japan and other Asian markets. Translation: you’ve willingly walked away from the global heavyweight and bet that the rest of the world will finally have its comeback tour. That can work, but it’s a strong contrarian tilt, not a neutral “I own the world” setup. If the US keeps dominating, this will underperform and look stubborn. If mean reversion ever shows up, you’ll look brilliant. Takeaway: this is a worldview, not just an allocation.
Market capitalization
- Mega-cap 46%
- Large-cap 30%
- Mid-cap 16%
- Small-cap 4%
You’re heavily tilted to mega- and large-caps: 76% in the giants, 16% mid, just 4% small. So you’ve basically said, “I trust the big boring incumbents and don’t care much about the scrappy upstarts.” That usually means smoother rides than a small-cap roller coaster, but also fewer chances to catch early-stage rockets. It’s a very index-like profile, but skewed firmly toward the corporate oligarchs of the world. Takeaway: this is stability over spice — fine if you want predictable-ish exposure, less great if you were secretly hoping for lottery-ticket vibes.
True holdings
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23 Taiwan Semiconductor Manufacturing Co. Ltd. 3.22%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
SS Samsung Electronics Co Ltd 1.43%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
AS ASML Holding N.V. 1.16%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
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07 Tencent Holdings Ltd 0.83%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
00 SK Hynix Inc 0.81%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
RO Roche Holding AG 0.68%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
99 Alibaba Group Holding Ltd 0.66%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
NO Novartis AG 0.66%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
HS HSBC Holdings PLC 0.65%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
AZ AstraZeneca PLC 0.64%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 10.72%
Looking through the top holdings, the usual global suspects show up: TSMC, Samsung, ASML, Tencent, Alibaba, plus some big pharma and banks. Nothing horrifying, but there’s a quiet concentration in a handful of giant international tech and financial names. Overlap is probably worse than it looks because we only see ETF top-10s, so those names are likely scattered all over the rest of the portfolio too. You’ve basically outsourced your fate to a small club of non-US mega companies while pretending you’re charmingly diversified. Takeaway: broad funds still hide clusters — the “index” label doesn’t magically erase concentration.
Factors
Factor-wise, you’ve accidentally built the “boring adult” portfolio: high value, high yield, high low-vol. Factor exposure is like the ingredient list for your returns, and yours says “cheap-ish, income-ish, and relatively calm.” It’s basically a global collection of dad stocks. The flip side: if growthy, high-flying names lead the market, you’ll probably lag, like a value investor watching a meme-stock rally. Neutral size, momentum, and quality mean you’re roughly market-like there, so the defining personality is low-vol and yield. Takeaway: this setup should handle crashes a bit better than pure growth mania, but can be painfully meh in go-go bull markets.
Risk contribution
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Vanguard Total International Stock Index Fund ETF Shares
Weight: 90.00% 90.3% -
Vanguard Total World Stock Index Fund ETF Shares
Weight: 10.00% 9.7%
Risk contribution here is stunningly literal: the 90% position contributes about 90% of the total risk. Risk contribution shows who’s actually shaking the portfolio when markets move, and in this case, it’s just your one giant international fund doing all the heavy lifting. That 10% world fund might as well be moral support. The good news: no random tiny holding is secretly nuking your volatility. The bad news: if that main fund underperforms or zigzags, you have no internal counterweight. Takeaway: if one position owns your risk, it also owns your emotional state during drawdowns.
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, your portfolio is chilling below the efficient frontier, which is a polite way of saying, “You’re taking this level of risk and not getting your money’s worth.” The Sharpe ratio of 0.39 versus 0.69 for the optimal combo is a big gap. Efficient frontier just means “best possible tradeoff using the stuff you already own,” and you’re currently leaving about 1.7 percentage points of return on the table at this risk level. Takeaway: even without adding anything new, simply reweighting your two funds could push you closer to the smart-kid curve instead of hanging in the “nice try” zone.
Dividends
- Vanguard Total World Stock Index Fund ETF Shares 1.70%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 2.69%
A 2.69% total yield is solidly “respectable but not life-changing.” You’re not chasing junky high-yield traps, but you have a slight lean toward companies that actually send you cash occasionally. Just don’t romanticize it: dividends are one piece of return, not free money falling from the sky. Cut risk or bad price moves, and that yield won’t save you. Also, reinvesting those payouts quietly does more for long-term growth than treating them like a bonus paycheck. Takeaway: it’s a nice, sensible yield level that fits the value/low-vol theme — income-flavored, not income-obsessed.
Ongoing product costs
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.05%
Fees are almost suspiciously low: a 0.05% total expense ratio is “did you slip Vanguard a thank-you card?” territory. You’re basically paying couch-cushion change for global exposure. That’s about as efficient as it gets, and at least you’re not burning performance on expensive “smart” products that are mostly marketing with fees attached. Still, low cost doesn’t automatically mean smart design — you’ve built a cheap portfolio that still makes some pretty big active bets by geography. Takeaway: costs are not your problem here; if returns disappoint, you can’t blame expenses, only asset mix and timing.
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