World index cosplay with random country bets and a side of Bitcoin chaos
Report created on May 16, 2026Risk profile
6/7
Diversification profile
4/5
Positions
-
VT Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 80.00% -
EW iShares MSCI Australia ETF
EWA - US4642861037 10.00% -
EW iShares MSCI Brazil ETF
EWZ - US4642864007 5.00% -
BT Bitcoin
BTC 5.00%
Structurally this portfolio is “one-decent-fund-plus-impulse-buys.” Eighty percent in a global index ETF is boring in a good way. Then 10% Australia, 5% Brazil, and 5% Bitcoin crash the party like uninvited cousins. The extra country ETFs are basically saying “I looked at the world and decided it needed way more kangaroos and caipirinhas.” This turns a clean one-fund solution into a slightly drunk geography contest. The core idea is solid: own most of the world. The execution adds a few loud bets that don’t completely wreck things, but definitely move this away from “elegant simplicity” and toward “couldn’t stop clicking buy.”
Growth
Historically, this thing has ripped. A $1,000 stake turning into $11,692 is cartoonish growth, with a 27.96% CAGR. For context, the US market plodded along at 15.74% and global stocks at 13.07%, so the portfolio basically lapped both — twice. The bill came due in drawdowns though: a -64.77% max drop versus roughly -34% for the benchmarks. That’s “watch your soul leave your body” territory, then wait 16 months to claw back. Also, 90% of returns came from just 35 days, which means most of the time it just felt stressful and random. Past data is a highlight reel, not a guarantee the sequel ends the same way.
Projection
The Monte Carlo projection is the reality check after the performance victory lap. Monte Carlo just runs thousands of what-if scenarios to see how the next 15 years *might* look, based on past behavior. Here, the median outcome turns $1,000 into about $2,828 — solid, but nowhere near the historic rocket ship. The “likely” middle range is $1,811–$4,409, and in the uglier 5% of worlds, you barely double or even sit near $920. Nice reminder that history was unusually kind. Simulations are like weather models: informative, not prophetic. This portfolio still has a decent growth profile, but the days of “27% a year forever” are filed under financial fan fiction.
Asset classes
- Stocks 95%
- Crypto 5%
Asset-class mix is basically “all gas no brakes.” About 95% in stocks and 5% in Bitcoin means there’s effectively zero shock absorbers here. No bonds, no cash buffer, nothing that usually acts as a mood stabilizer when markets are throwing a tantrum. This lines up with the aggressive risk score, but it also explains that -64% drawdown battle scar. When everything risk-on stumbles at the same time, there’s nowhere to hide, only different flavors of pain. It’s a clean, simple structure — just extremely unforgiving when volatility spikes, because every part of the portfolio wakes up and chooses violence on the same day.
Sectors
- Technology 21%
- Financials 19%
- Industrials 11%
- Consumer Discretionary 8%
- Health Care 8%
- Basic Materials 7%
- Telecommunications 7%
- Energy 5%
- Crypto 5%
- Consumer Staples 5%
- Utilities 3%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Sector mix looks diversified on paper, but there’s a quiet tech-and-financials dependence. Around 21% in technology and 19% in financials means two big engines drive a lot of the ride. Add in industrials, consumer discretionary, and health care, and the portfolio is very much tied to the economic cycle actually behaving. Crypto as its own 5% “sector” is the wildcard tantrum generator. Nothing here screams totally unhinged concentrations, but this isn’t exactly a defensive setup either. When growth cools, regulation bites, or credit conditions tighten, several of these sectors can misbehave at the same time, and the portfolio doesn’t have many boring, steady sectors to balance that out.
Regions
- North America 51%
- Europe Developed 12%
- Australasia 11%
- Latin America 6%
- Japan 5%
- Asia Developed 4%
- Asia Emerging 4%
- Africa/Middle East 1%
This breakdown covers the equity portion of your portfolio only.
For something built around a total world fund, the geographic profile still can’t resist a few loud tilts. North America at 51% is basically market-like, which is fine. But then Australasia is juiced up to 11%, heavily influenced by that dedicated Australia ETF, and Latin America to 6% thanks to the Brazil slice. It’s like the portfolio saw the world map and said, “Yes, I want more mining-heavy, commodity-flavored economies.” The rest of the world is sprinkled in reasonably: Europe, Japan, and Asia are present but not shouting. It’s not a disaster, just a slightly overconfident attempt to outsmart the already-diversified world index.
Market capitalization
- Mega-cap 43%
- Large-cap 30%
- Mid-cap 16%
- Small-cap 4%
- Micro-cap 1%
This breakdown covers the equity portion of your portfolio only.
Market-cap spread is basically textbook: 43% mega-cap, 30% large-cap, 16% mid-cap, with only tiny scraps in small and micro. So despite the dramatic drawdowns and crypto drama, the equity core is pretty grown-up: mostly giant, established companies that actually have revenues and buildings and HR departments. The small and micro allocations are too tiny to be a meaningful “hidden small-cap gamble.” This is more “mainstream global stock market with a couple of spicy satellite bets” than some wild small-cap casino. If anything, the risk here doesn’t come from size tilts; it comes from the overall risk-on structure and the specific country and crypto toppings.
True holdings
-
NV NVIDIA Corporation 3.16%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
AA Apple Inc 2.83%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
MS Microsoft Corporation 2.12%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
AM Amazon.com Inc 1.54%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
CB Commonwealth Bank of Australia 1.46%
Part of fund(s):- iShares MSCI Australia ETF
-
BH BHP Group Ltd 1.37%
Part of fund(s):- iShares MSCI Australia ETF
-
GO Alphabet Inc Class A 1.30%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
AV Broadcom Inc 1.10%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.09%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.05%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
- Top 10 total 17.02%
This breakdown covers the equity portion of your portfolio only.
The look-through holdings read like the usual global megacap fan club: NVIDIA, Apple, Microsoft, Amazon, Alphabet, TSMC, plus some big Australian names like Commonwealth Bank and BHP. No single company is overwhelming on its own, but the overlap in the big tech names shows the classic “own the world, accidentally overweight the usual suspects” pattern. And that’s just the visible top 10 slices; real overlap is higher because we’re missing everything outside those lists. Hidden concentration here isn’t about one stock dominating, it’s about repeating the same handful of giants across multiple wrappers and then pretending it’s 100% diversification magic. Spoiler: it’s not.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
Factor profile is aggressively… average. Value, size, momentum, quality, yield, low volatility — everything sits basically neutral, clustered around the 50% mark. Factor exposure is like the ingredient label explaining *why* a portfolio behaves the way it does; this one might as well say “standard mix, nothing to see here.” That’s not bad, just slightly anticlimactic for something that dives into Brazil and Bitcoin. Under the hood, it’s basically a market-like factor soup with no big tilts toward cheap stocks, high-quality names, or safety-first vibes. The drama in this portfolio doesn’t come from clever factor engineering — it comes from macro bets and raw risk appetite.
Risk contribution
-
Vanguard Total World Stock Index Fund ETF Shares
Weight: 80.00% 74.5% -
iShares MSCI Australia ETF
Weight: 10.00% 11.2% -
Bitcoin
Weight: 5.00% 7.9% -
iShares MSCI Brazil ETF
Weight: 5.00% 6.4%
Risk contribution exposes who’s really driving the chaos, and it’s exactly who you’d expect. The global ETF, at 80% weight, delivers about 75% of total risk — fair enough, it’s the main act. But Australia at 10% weight throws in over 11% of risk, and Brazil at 5% weight contributes more than 6%. Bitcoin is the tiny gremlin: 5% weight, nearly 8% of risk, meaning it shakes the portfolio way harder than its size suggests. The top three holdings contribute over 93% of risk, so despite the global label, most of the drama flows from just a few decisions, not some deep, complex quilt of diversification.
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 risk/return optimization chart quietly roasts the efficiency of this setup. With a Sharpe ratio of 0.68, the current portfolio is below both the optimal mix (Sharpe 1.18) and even the minimum-variance option (Sharpe 0.73). The efficient frontier is the menu of best possible returns for each risk level using exactly these ingredients, just in different portions. Being 2.38 percentage points below that line at the current risk means this isn’t just aggressive — it’s inefficiently aggressive. The same holdings, weighted more thoughtfully, could either dial up expected return for this level of risk or lower the risk for similar returns. Instead, it’s bravely taking the scenic route.
Dividends
- iShares MSCI Australia ETF 2.90%
- iShares MSCI Brazil ETF 4.50%
- Vanguard Total World Stock Index Fund ETF Shares 1.60%
- Weighted yield (per year) 1.80%
Income isn’t really the point here, and the portfolio doesn’t pretend otherwise. A total yield of 1.8% is pocket change in dividend terms, especially when part of that is inflated by Brazil’s 4.5% and Australia’s 2.9%. The global core sits at 1.6%, which is about what you’d expect from a broad equity index focused more on growth than payouts. Relying on this for meaningful cash flow would be like expecting your coffee punch card to fund your retirement. Dividends are a side effect here, not the star of the show, and the overall risk profile clearly points at capital growth over regular income.
Ongoing product costs
- iShares MSCI Australia ETF 0.50%
- iShares MSCI Brazil ETF 0.59%
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- Weighted costs total (per year) 0.14%
Costs are the one area where this portfolio looks almost suspiciously competent. A blended TER of 0.14% is absolutely fine, even with those relatively pricey single-country ETFs at 0.50% and 0.59% dragging things up a bit. The global core at 0.07% is doing most of the heavy lifting here, making the overall fee bill look respectable. This isn’t a “paying champagne prices for tap water” situation — more like adding a couple of craft beers to an otherwise cheap grocery cart. Fees aren’t what’s holding this portfolio back. The drama, for once, isn’t coming from the cost line.
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