One fund to rule them all and hope global capitalism never takes a sick day
Report created on Mar 25, 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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VT Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 100.00%
This “portfolio” is basically a one-card magic trick: 100% in a single global stock ETF and a lonely 1% cash speck. On the one hand, it’s brutally simple and oddly elegant. On the other, it’s like bringing only a Swiss army knife to a week-long expedition and hoping it can also be your tent, stove, and backup liver. Everything in your future depends on global stocks doing their thing. No bonds, no real diversifiers, no safety net. The takeaway: it’s a pure equity roller coaster disguised in a minimalist outfit. Great for clarity, not so great if your pain threshold is low.
Growth
Historically, this thing has done its job: $1,000 turned into about $3,014 with a 12.54% CAGR. CAGR (Compound Annual Growth Rate) is just the smoothed “average speed” of that ride. You slightly lag the US market (CAGR 14.27%) but beat the broader global market (11.72%), which is exactly what a world fund is supposed to do: be the market, not dunk on it. Max drawdown of -34.21% means during the worst slump, a third of your value basically evaporated on paper. Past data is like yesterday’s weather though: helpful for packing, useless for fortune-telling. Expect similar punch-in-the-gut drops in the future.
Projection
The Monte Carlo projection basically takes your past return-and-volatility pattern and reruns it a thousand different ways, like remixing the same song with random volume changes. After 10 years, the median outcome is a 366% total return; the pessimistic 5th percentile still shows +66.9%. Sounds dreamy, but remember: simulations are nerdy guesswork built on historical inputs. They assume the future vaguely rhymes with the past, which is generous. The real message: a 100% global-equity bet can be amazing over long stretches, but the path is noisy, stomach-churning, and absolutely not guaranteed to follow those neat percentile lines when reality decides to get weird.
Asset classes
- Stocks 99%
- Cash 1%
Asset class breakdown: 99% stocks, 1% cash. That’s not “balanced,” that’s equity absolutism. Stocks are great for long-term growth, but they’re also the drama queens of the investing world: loud gains, louder crashes. No bonds, no real assets, no defensive ballast means every wobble in global equities hits your net worth directly. Think of asset classes like different instruments in an orchestra; you’ve chosen 99 violins and a triangle. It can sound gorgeous in a bull market, but when the score changes to horror soundtrack, there’s nowhere to hide and no cellos to calm things down.
Sectors
- Technology 25%
- Financials 16%
- Industrials 12%
- Consumer Discretionary 10%
- Health Care 9%
- Telecommunications 8%
- Consumer Staples 5%
- Basic Materials 5%
- Energy 4%
- Utilities 3%
- Real Estate 3%
Sector-wise, you’re running pretty textbook global equity: tech at 25%, financials 16%, industrials 12%, consumer cyclicals 10%, healthcare 9%, and the rest sprinkled around. Still, a quarter in technology screams “growth addiction.” When tech has a good decade, you look like a genius; when it doesn’t, you suddenly “discover” volatility. Sectors are just themes of what businesses actually do, and leaning heavily into fast-growth themes means more sensitivity to hype cycles, regulation, and the occasional bubble hangover. The upside: nothing bizarre here. The downside: you’re still very much hostage to the modern digital economy not faceplanting.
Regions
- North America 63%
- Europe Developed 15%
- Japan 6%
- Asia Developed 6%
- Asia Emerging 6%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, this is “America runs the show”: about 63% in North America, then smaller chunks in Europe, Japan, and other regions picking up the leftovers. Exactly what a cap-weighted “world” fund does: follow where the market cap lives. It’s not biased so much as resigned to current reality. The risk is simple: if the main engine (North America) stalls, you’re not rescued by your tiny allocations elsewhere. Geography in this setup is less about clever positioning and more about accepting that global power is concentrated. It’s globally diversified on paper, but practically very reliant on one big economic block behaving.
Market capitalization
- Mega-cap 43%
- Large-cap 31%
- Mid-cap 18%
- Small-cap 5%
- Micro-cap 1%
Market cap tilt screams “Big Dogs Only”: 43% mega caps, 31% big, then a polite nod to mid (18%), small (5%), and micro (1%). That’s like calling it a “world of companies” and then mostly hanging out with the corporate celebrities. Large caps tend to be more stable and boring, which is good for sleeping at night, but they can also be slower to grow than scrappy smaller names. You’re basically letting the giants drive the bus. It’s a sensible default, but don’t kid yourself that this is some brave small-cap adventure. It’s more blue-chip group project with side characters.
True holdings
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NV NVIDIA Corporation 3.75%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
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AA Apple Inc 3.48%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
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MS Microsoft Corporation 2.63%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
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AM Amazon.com Inc 1.82%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
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GO Alphabet Inc Class A 1.64%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
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23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.37%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
- iShares Asia 50 ETF
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AV Broadcom Inc 1.33%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
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GO Alphabet Inc Class C 1.33%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
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ME Meta Platforms Inc. 1.28%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
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TS Tesla Inc 1.03%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total World Stock Index Fund ETF Shares
- Top 10 total 19.66%
Peek under the hood and the “world” is mostly a tech mega-cap fan club: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, TSMC, Broadcom. Hidden concentration 101: these same names are in almost every cap-weighted fund on earth, which means when they sneeze, your whole portfolio catches a cold. That 90.7% look-through coverage tells most of the story: you’re riding the giant global names whether you meant to or not. The overlap is structurally baked in, not a design flaw of your ETF, but it does mean you’re far less diversified by business model than the “Total World” label pretends.
Factors
Factor exposure shows which hidden flavors you’re eating: you’ve got big tilts to momentum and low volatility, which is a weirdly responsible combo. Momentum means you’re leaning into what’s been working recently; low volatility means you’re oddly attracted to the quieter kids in the room. Factor investing is just decoding these patterns behind returns. This profile says: “I want the winners, but not the total maniacs.” It’s not extreme or self-contradictory, just the usual side effect of a broad, diversified, cap-weighted fund. The catch: factor tilts are accidental here, not intentional design, so don’t expect them to always bail you out when markets flip personalities.
Risk contribution
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Vanguard Total World Stock Index Fund ETF Shares
Weight: 100.00% 100.0%
Risk contribution is hilariously simple here: one ETF, 100% weight, 100% of the risk. Risk contribution tells you which holdings are actually responsible for your portfolio’s mood swings. In your case, the answer is: yes. That’s it. Yes. There’s no hidden culprit; the entire spaceship rises and falls with this single vehicle. The upside: no need for complex risk dashboards. The downside: no shock absorbers if that fund’s underlying strategy or main exposures hit a rough patch. Trimming risk here doesn’t mean shuffling between many holdings; it means stepping away from the all-equity altar, which this setup clearly isn’t built to do.
Dividends
- Vanguard Total World Stock Index Fund ETF Shares 1.80%
- Weighted yield (per year) 1.80%
The 1.80% dividend yield is a mild, polite handshake, not some glorious river of cash. Dividends are just companies sharing a slice of profits with you, and here the slice won’t pay your rent, but it does slightly cushion returns during flat markets. You’re clearly not chasing yield; you’re taking whatever the global market naturally hands out. That’s usually healthier than loading up on high-yield traps that look generous right before they crumble. Still, anyone dreaming of living off this yield alone would quickly discover it’s more “nice coffee money” than “quit your job and buy a boat” territory.
Ongoing product costs
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- Weighted costs total (per year) 0.07%
Costs are where this setup flexes: a 0.07% TER is basically couch-cushion change. TER (Total Expense Ratio) is the cut the fund takes each year for existing, and here it’s refreshingly tiny. You’ve essentially outsourced global diversification for less than what some funds charge to badly mimic a single niche. Fees are one of the few things you can control, and you nailed that part—either on purpose or by stumbling into Vanguard like everyone else who got tired of paying silly management charges. At least when markets tank, you can’t blame the expense ratio for the pain.
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