Broad global equity portfolio with a strong US tilt and added growth from a Nasdaq allocation
Report created on May 10, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 50.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 26.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 24.00%
This portfolio is a three-fund, 100% equity mix with a clear structure. About half is in a broad US total market fund, a little over a quarter is in a broad international stock fund, and just under a quarter is in a Nasdaq 100 ETF focused on large US growth companies. That means the core is broad, low-cost index exposure, with an extra growth “booster” tilted toward major US tech and tech-like names. Structurally, this keeps things simple to understand and manage. It also means all risk and return come from stocks, with no bonds or cash dampening swings, so the ride will naturally track equity markets quite closely over time, both up and down.
Growth
Over the period since late 2020, a $1,000 investment in this portfolio grew to about $2,186, implying a compound annual growth rate (CAGR) of 15.13%. CAGR is the “smoothed” yearly growth rate, like averaging your speed over a whole road trip. That’s slightly behind the US market benchmark but ahead of the global market benchmark, showing that the combination of US and international exposure has been competitive overall. The maximum drawdown was about -28%, meaning the deepest peak‑to‑trough fall was nearly a third, which is typical for an all‑equity mix. The recovery time from that drawdown was just over a year, illustrating how equity downturns can be sharp but eventually rebound.
Projection
The Monte Carlo projection uses thousands of simulated paths based on past volatility and returns to estimate possible 15‑year outcomes. Think of it as rolling the dice many times with today’s risk/return profile to see a range of futures, not a prediction. The median outcome grows $1,000 to about $2,837, while the central “likely” band spans roughly $1,854 to $4,281. The very wide full range, from just under the starting value to nearly $7,900, shows how uncertain long‑term equity outcomes can be. These simulations are built on historical data, so they can’t account for all future events, but they give a sense of typical upside and downside paths for a portfolio like this.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with no bonds, cash, or alternative assets. That makes the asset allocation straightforward: it is entirely tied to equity markets for both growth and volatility. In academic terms, there’s no “ballast” from less volatile assets to cushion market swings. This can be attractive when markets are rising, because every dollar is working in stocks, but it also means drawdowns are likely to be larger than in mixed stock‑and‑bond portfolios. The diversification here comes from owning many companies across regions, sectors, and sizes inside the equity bucket, rather than from spreading across multiple asset classes with very different risk profiles.
Sectors
- Technology 33%
- Financials 12%
- Consumer Discretionary 10%
- Telecommunications 10%
- Industrials 10%
- Health Care 8%
- Consumer Staples 6%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is tilted toward technology at about a third of the portfolio, with the rest spread across financials, consumer discretionary, telecom, industrials, health care, staples, energy, materials, utilities, and real estate. That tech overweight is mainly driven by the Nasdaq 100 ETF and the tech‑heavy parts of the US total market. This setup has benefited from strong tech performance in recent years, helping overall returns. At the same time, tech and related growth areas can be more sensitive when interest rates rise or when investors rotate toward more cyclical or defensive sectors. The presence of double‑digit allocations to financials and industrials adds some balance versus a pure tech concentration.
Regions
- North America 76%
- Europe Developed 10%
- Japan 4%
- Asia Developed 4%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, the portfolio is heavily tilted to North America at about 76%, with the remainder spread across developed Europe, Japan, other developed Asia, emerging Asia, and smaller slices in Australasia, Latin America, and Africa/Middle East. That US‑led stance is common relative to global benchmarks, but it’s still a notable overweight versus the world’s overall market value, where the US share is lower. The international fund ensures there is meaningful non‑US exposure, which can help when other regions outperform. At the same time, the portfolio’s fate is still largely tied to the US economy, policy, and currency, so big US market moves will dominate the overall experience.
Market capitalization
- Mega-cap 45%
- Large-cap 32%
- Mid-cap 17%
- Small-cap 4%
- Micro-cap 1%
By market capitalization, this portfolio leans strongly toward mega‑ and large‑cap companies, which together make up over three‑quarters of the exposure. Mid‑caps add another meaningful slice, while small‑ and micro‑caps are present but modest. Large established companies typically have more stable earnings and liquidity than very small firms, which can make returns a bit smoother and trading more efficient. The small‑ and micro‑cap exposure adds some diversification and growth potential without dominating the risk profile. Overall, this size mix is similar to broad market indexes, with a slight extra emphasis on the largest names due to the Nasdaq 100 and capitalization‑weighted structure.
True holdings
-
NV NVIDIA Corporation 5.17%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 4.68%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.45%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.81%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.26%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.00%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.92%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.73%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.63%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.90%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 26.57%
Looking through to the largest underlying holdings, the top exposures include well‑known mega‑cap names such as NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Taiwan Semiconductor. Many of these appear in multiple ETFs, particularly the US total market and the Nasdaq 100, creating overlap. That overlap can quietly increase concentration risk because a single company can influence the portfolio more than any one fund’s weight suggests. For example, the combined weight in just the top few names is already in the mid‑teens. Since only ETF top‑10 holdings are captured, real overlap is likely higher, meaning the true dependence on these giants may be somewhat understated.
Factors
Factor exposures here line up very closely with the overall market across value, size, momentum, quality, yield, and low volatility. Factor investing looks at characteristics—like how cheap, fast‑rising, or stable companies are—that research links to long‑term returns. With each factor sitting in the neutral band, this portfolio doesn’t strongly lean into or away from any particular style. In practice, that means its behavior is likely to mirror broad equity markets rather than acting like a specialized value, growth, low‑volatility, or high‑yield strategy. This well‑balanced factor profile helps keep performance drivers straightforward: most of the ride comes from plain market moves rather than factor timing.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 50.00% 49.3% -
Invesco NASDAQ 100 ETF
Weight: 24.00% 29.6% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 26.00% 21.1%
Risk contribution shows how much each holding adds to the portfolio’s overall ups and downs, which can differ from simple weight. Here, the US total market fund is about half the portfolio and contributes almost exactly half of the risk, so its impact matches its size. The Nasdaq 100 ETF, at 24% weight, contributes nearly 30% of risk, indicating it is more volatile than the other holdings and punches above its weight in driving swings. The international fund, at 26%, contributes only about 21% of risk, reflecting its slightly lower volatility or distinct behavior. All three together explain 100% of risk, so any change in risk profile would come from shifting between these existing pieces.
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 this portfolio sits on or very close to the frontier, meaning that for its current holdings, the weight mix provides an efficient balance of risk and return. The Sharpe ratio—a measure of return per unit of risk above a risk‑free rate—is 0.68 for the current mix. An optimized version using the same three funds could hypothetically reach a Sharpe around 0.84 with slightly higher return and volatility, while a minimum‑variance mix lowers risk with a still‑solid Sharpe. The main takeaway is positive: within this simple three‑ETF universe, the current allocation is already doing a good job of turning risk into return.
Dividends
- Invesco NASDAQ 100 ETF 0.40%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.30%
The overall dividend yield for the portfolio is around 1.3%, coming from a mix of relatively low‑yielding US growth stocks and somewhat higher‑yielding international stocks. The Nasdaq 100 ETF yields only about 0.4%, reflecting its tilt to growth companies that typically reinvest earnings rather than pay large dividends. The international fund, at about 2.7%, is the main income contributor. At this yield level, most of the portfolio’s historical and expected total return comes from price appreciation rather than income. For investors tracking cash flow, it’s useful to see dividends as a modest, steady component rather than the primary driver of long‑term growth here.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- 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 a clear strength of this portfolio. The total expense ratio (TER) across the three ETFs averages about 0.06% per year, which is extremely low by industry standards. TER is the ongoing annual fee charged by the funds, and while a few tenths of a percent may sound small, it compounds over time. Keeping costs this low means more of the portfolio’s gross return stays in the investor’s pocket each year. This aligns well with best practices for long‑term indexing, where minimizing friction is one of the few things firmly under control. The cost structure here provides a very solid foundation for long‑run compounding.
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