Global equity portfolio with a strong US and technology tilt and broadly efficient risk return profile
Report created on Jun 12, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
IV iShares Core S&P 500 ETF
IVV - US4642872000 39.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 35.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 26.00%
This portfolio is a simple three‑ETF global equity mix, fully invested in stocks with no bonds or cash buffer. Roughly two thirds sits in broad US exposure and a separate slice targets international stocks, while the remaining chunk tilts specifically toward large US growth names via the Nasdaq 100. This kind of structure is easy to follow because each holding plays a clear role: core US, ex‑US, and US growth overlay. A fully equity composition means returns are driven almost entirely by stock markets rather than interest rates. It also means day‑to‑day swings can be meaningful, which is consistent with the “balanced” risk label leaning toward growth rather than capital preservation.
Growth
One or more local-currency benchmark funds are unavailable for this report.
Over the period from late 2020 to mid‑2026, $1,000 grew to about $2,176, a compound annual growth rate (CAGR) of 14.82%. CAGR is like average speed on a long road trip: it smooths out the ups and downs to show steady yearly growth. The portfolio slightly outpaced the global equity benchmark, which returned 13.51% annually, indicating that the US and growth tilt was rewarded in this window. The max drawdown of -28.15% shows the largest peak‑to‑trough fall, close to the market’s -26.42%, so downside has been similar to global stocks. Recovery from that decline took over a year, highlighting that equity‑only portfolios can experience long stretches of volatility.
Projection
The Monte Carlo projection uses many simulated paths, based on historical volatility and correlations, to estimate a range of possible 15‑year outcomes. It is like running the same race 1,000 times with slightly different weather each run. The median outcome shows $1,000 growing to around $2,686, with a wide “likely” band from roughly $1,817 to $4,155. The 5th–95th percentile range is even broader, from about break‑even to more than seven times the starting value. An average simulated annual return of 8.17% is lower than recent history, reflecting more conservative assumptions. As always, these simulations are not predictions, just illustrations using past patterns that may not repeat.
Asset classes
- Stocks 100%
All of this portfolio is in equities, with 0% in bonds, cash, or alternatives. Asset classes are broad buckets like stocks, bonds, and real estate, each reacting differently to economic changes. A 100% stock allocation maximizes exposure to company growth and earnings but also exposes the portfolio fully to stock market downturns. Compared with many diversified mixes that blend stocks and bonds, this structure leans clearly toward growth potential over income stability. The trade‑off is that bonds, which often help cushion big equity declines, are absent here, so portfolio value will tend to track equity market cycles more closely, both on the way up and on the way down.
Sectors
- Technology 37%
- Financials 12%
- Consumer Discretionary 10%
- Telecommunications 9%
- Industrials 9%
- Health Care 7%
- Consumer Staples 5%
- Basic Materials 4%
- Energy 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is clearly tilted toward technology at 37%, well above typical global benchmarks where tech is significant but lower. Other sectors like financials, consumer discretionary, telecoms, and industrials are present in moderate slices, while areas such as energy, utilities, and real estate are relatively small. Sector allocation matters because different parts of the economy respond differently to interest rates, inflation, and growth. A tech‑heavy profile often benefits when innovation and growth stocks lead, but can feel sharper swings if rates rise or investor sentiment turns away from high‑growth names. The spread across other sectors still provides some balance, even with a pronounced tech tilt.
Regions
- North America 67%
- Europe Developed 13%
- Asia Developed 6%
- Japan 5%
- Asia Emerging 5%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 67% of the portfolio is in North America, mainly the US, with the rest spread across Europe, Japan, developed Asia, and smaller slices in emerging regions. This is more US‑tilted than a typical global market index, which usually allocates closer to 60% to the US and more to other regions. Geography matters because economies grow at different speeds, face different political risks, and use different currencies. A strong North American tilt has helped in recent years as US markets outperformed, but it also means a large part of the portfolio is tied to one economic and policy environment. The international piece still adds meaningful global diversification beyond the US.
Market capitalization
- Mega-cap 49%
- Large-cap 33%
- Mid-cap 15%
- Small-cap 2%
The portfolio leans heavily toward mega‑cap and large‑cap companies, with nearly half in the very largest global firms and another third in large caps. Mid caps and small caps together make up less than 20%. Market capitalization describes company size, and size influences how a stock behaves: larger firms often have more stable earnings and better access to funding, while smaller ones can be more volatile but sometimes faster‑growing. A big‑company tilt generally means the portfolio may move more in line with headline indices and well‑known names. It also means that smaller, potentially more cyclical or niche companies have a limited impact on overall returns and risk.
True holdings
-
NV NVIDIA Corporation 5.37%
Part of fund(s):- Invesco NASDAQ 100 ETF
- iShares Core S&P 500 ETF
-
AA Apple Inc 4.64%
Part of fund(s):- Invesco NASDAQ 100 ETF
- iShares Core S&P 500 ETF
-
MS Microsoft Corporation 3.20%
Part of fund(s):- Invesco NASDAQ 100 ETF
- iShares Core S&P 500 ETF
-
AM Amazon.com Inc 2.70%
Part of fund(s):- Invesco NASDAQ 100 ETF
- iShares Core S&P 500 ETF
-
GO Alphabet Inc Class A 2.25%
Part of fund(s):- Invesco NASDAQ 100 ETF
- iShares Core S&P 500 ETF
-
AV Broadcom Inc 2.01%
Part of fund(s):- Invesco NASDAQ 100 ETF
- iShares Core S&P 500 ETF
-
GO Alphabet Inc Class C 1.91%
Part of fund(s):- Invesco NASDAQ 100 ETF
- iShares Core S&P 500 ETF
-
TS Tesla Inc 1.59%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- iShares Core S&P 500 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.34%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
MU Micron Technology Inc 1.27%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 26.27%
Looking through the ETFs, the top underlying exposures feature well‑known global giants like NVIDIA, Apple, Microsoft, Amazon, and Alphabet. Several of these appear in multiple funds, especially the broad US ETF and the Nasdaq 100, which creates overlap. Overlap matters because owning the same company via different funds can quietly concentrate risk in a handful of names, even if no single ETF seems dominant. Here, just ten companies already represent over 25% of the look‑through coverage, with a strong focus on large US tech and related stocks. Actual overlap is likely higher since only top‑10 holdings are visible, so concentration is probably understated in this snapshot.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility is broadly neutral, hovering around the 50% “market‑like” mark for each. Factors are like the underlying ingredients of returns—such as cheapness (value) or stability (low volatility)—that research has linked to long‑term performance patterns. A neutral profile suggests the portfolio behaves similarly to a broad global equity market without strong tilts toward any specific style. This alignment can be helpful if the goal is to capture general market behavior rather than betting heavily on one characteristic. It also means performance differences versus the market are more likely driven by geography, sector mix, and stock selection than by factor bets.
Risk contribution
-
iShares Core S&P 500 ETF
Weight: 39.00% 37.6% -
Invesco NASDAQ 100 ETF
Weight: 26.00% 32.6% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 35.00% 29.8%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weights. The S&P 500 fund is 39% of the portfolio and contributes about 37.6% of risk, roughly in line with its size. The international ETF is 35% of the weight but only 29.8% of risk, indicating it’s slightly less volatile or differently correlated. The Nasdaq 100 fund stands out: at 26% weight, it contributes 32.6% of total risk, meaning it punches above its size in driving volatility. This is consistent with its growth and tech focus, and helps explain why market swings in that segment have a noticeable impact on the whole portfolio.
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 shows this portfolio sitting on or very close to the frontier, meaning that for its risk level, the mix of holdings is already highly efficient. The Sharpe ratio—return per unit of risk—stands at 0.67 for the current allocation, compared with 0.9 for the mathematically optimal mix using the same ETFs and 0.82 for the minimum‑variance version. That suggests there is some room for a more favorable balance of return and volatility through reweighting, but not a dramatic gap. Importantly, all points use only the existing funds, so the chart speaks to how weights interact rather than the need for additional products.
Dividends
- iShares Core S&P 500 ETF 1.10%
- Invesco NASDAQ 100 ETF 0.40%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.51%
The overall dividend yield for the portfolio is about 1.51%, combining a higher yield from international stocks with lower yields from the US and Nasdaq exposures. Dividend yield is the yearly cash payout as a percentage of price, like the interest on a savings account but not guaranteed. A yield in this range suggests most of the expected return comes from capital growth rather than income. That’s consistent with the growth and tech tilt, as many fast‑growing companies reinvest profits instead of paying large dividends. Dividends still add a steady component to total return, especially from the international ETF, but they are not the central driver here.
Ongoing product costs
- iShares Core S&P 500 ETF 0.03%
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.07%
Total ongoing costs, measured by the weighted average TER of about 0.07%, are impressively low for an all‑equity global mix. TER (Total Expense Ratio) is the annual fee the funds charge, taken directly from returns, similar to a small service fee on a bank account. Low costs matter because they compound over time—every fraction of a percent saved stays invested and can grow. Here, using broad index ETFs with very tight fees supports better long‑term performance compared with higher‑cost alternatives tracking similar markets. This cost profile is a real strength of the portfolio structure and provides an efficient base for capturing equity market returns.
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