Broad US equity core with growth tilt and gold diversifier alongside emerging markets exposure
Report created on Apr 20, 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
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 50.00% -
IE iShares Core MSCI Emerging Markets ETF
IEMG - US46434G1031 20.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
GL SPDR® Gold Shares
GLD - US78463V1070 10.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 10.00%
This portfolio is built mainly from broad equity ETFs, with a strong 50% anchor in a US large-cap index, plus dedicated slices to emerging markets, US small-cap value, and a focused growth index. A 10% position in physical gold rounds out the mix as a non‑stock diversifier. Structurally, this is a mostly equity portfolio with a modest allocation to an “other” asset for diversification. That mix means returns will largely follow global stock markets, with some added flavor from small caps, tech, and emerging markets. The presence of gold slightly changes the pattern of ups and downs, especially during equity stress, without dominating the overall behavior.
Growth
Historically, from late 2020 to April 2026, a hypothetical $1,000 in this portfolio grew to about $2,154. That works out to a compound annual growth rate (CAGR) of 15.01%, very close to the US market benchmark at 15.08% and ahead of the global market at 13.13%. CAGR is like your average speed on a road trip, smoothing all the bumps. The worst peak‑to‑trough drop was about -23.8%, slightly shallower than both US and global benchmarks. That drawdown and the 15‑month recovery window show this portfolio has behaved much like a mainstream equity mix, with a small cushion from its diversifiers.
Projection
The Monte Carlo projection uses the portfolio’s past risk and return pattern to simulate 1,000 possible 15‑year paths. Think of it as running many “what if” market histories to see a range of outcomes, not one prediction. The median result shows $1,000 growing to about $2,662, with a central “likely” band from roughly $1,819 to $3,938. Extreme but still plausible paths range from about $1,036 to $7,177. Across all simulations, the average annual return is 7.74% and roughly three‑quarters of paths finish positive. These numbers are purely statistical; real markets can behave differently, especially over long periods.
Asset classes
- Stocks 90%
- Other 10%
By asset class, about 90% of the portfolio is in stocks and 10% in “other,” which here is gold. A high stock share means growth potential and volatility are both driven mainly by equity markets. The 10% gold slice adds an asset that doesn’t depend on company earnings, which can help when stocks and bonds both struggle or when inflation surprises. Compared with a classic multi‑asset blend that might hold more bonds, this structure leans more toward growth and short‑term swings but still acknowledges the value of a non‑equity ballast. That balance is broadly consistent with a “balanced” risk label.
Sectors
- Technology 28%
- Financials 13%
- Consumer Discretionary 10%
- Telecommunications 9%
- Industrials 8%
- Health Care 7%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 1%
This breakdown covers the equity portion of your portfolio only.
Sector-wise, the portfolio is led by technology at 28%, followed by financials, consumer discretionary, telecom, and industrials. This looks similar to many modern equity benchmarks where tech and related growth sectors are prominent. Sector concentration in tech and consumer‑oriented areas can boost returns when innovation and consumer spending are strong, but it can magnify sensitivity to interest rates and sentiment shifts around growth stocks. The presence of more cyclical and defensive sectors like financials, staples, utilities, and health care helps smooth things out. Overall, the sector mix is well‑spread and aligns closely with broad market standards, supporting diversification.
Regions
- North America 69%
- Asia Emerging 8%
- Asia Developed 8%
- Africa/Middle East 2%
- Latin America 2%
- Europe Developed 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, around 69% of the equity exposure is in North America, with smaller slices in emerging Asia, developed Asia, Africa/Middle East, Latin America, and a modest allocation to developed Europe. This means returns are primarily driven by North American markets and the US dollar, while still capturing additional growth and risk from emerging regions. Compared to a pure global market index, which usually has a bit more non‑US exposure, this portfolio shows a clear US tilt. That tilt has historically helped during strong US bull markets but also means portfolio behavior is tightly linked to the US economic and policy environment.
Market capitalization
- Mega-cap 38%
- Large-cap 27%
- Mid-cap 13%
- No data 10%
- Small-cap 6%
- Micro-cap 5%
This breakdown covers the equity portion of your portfolio only.
By market capitalization, the portfolio is anchored in mega‑ and large‑cap companies, which together make up about 65%. Mid‑caps add another 13%, and small and micro‑caps represent roughly 11%. Larger companies tend to be more established and often less volatile, while smaller firms can be more sensitive to economic shifts but offer different growth dynamics. The dedicated US small‑cap value ETF is the main source of that smaller‑company exposure. This spread across sizes supports diversification, with large caps stabilizing overall behavior and small/micro‑caps adding some higher‑risk, potentially higher‑reward edges without dominating the portfolio.
True holdings
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NV NVIDIA Corporation 4.67%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 4.06%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.01%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.31%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 2.30%
Part of fund(s):- iShares Core MSCI Emerging Markets ETF
-
GO Alphabet Inc Class A 1.85%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.65%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.53%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.48%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.27%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Top 10 total 24.14%
Looking through the ETFs’ top holdings, several big names appear multiple times, especially large US tech and growth companies like NVIDIA, Apple, Microsoft, Amazon, and Alphabet. NVIDIA alone adds up to about 4.67% of the portfolio via overlapping funds, and Apple around 4.06%. This kind of overlap creates “hidden” concentration: different ETFs, but the same underlying companies. Since the data only covers top‑10 holdings, total overlap is likely somewhat higher. This is a common pattern in portfolios combining broad US and growth‑tilted funds and means that a handful of giant companies can influence returns more than the fund count suggests.
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 exposure in this portfolio is broadly neutral across value, size, momentum, quality, yield, and low volatility. Factor exposure is like checking which “traits” the holdings collectively lean toward, such as cheapness (value), recent winners (momentum), or financial strength (quality). Here, each factor sits close to 50%, which is defined as market average. That indicates the portfolio behaves much like a broad, diversified equity market rather than leaning hard into any specific style. For many investors, this kind of neutrality can mean fewer surprises: performance tends to be driven by overall markets more than by any specialized factor bet.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 52.1% -
iShares Core MSCI Emerging Markets ETF
Weight: 20.00% 19.5% -
Invesco NASDAQ 100 ETF
Weight: 10.00% 13.2% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 12.0% -
SPDR® Gold Shares
Weight: 10.00% 3.3%
Risk contribution shows how much each position adds to total volatility, which can differ from its weight. The 50% US large‑cap ETF contributes about 52% of risk, very proportional. Emerging markets at 20% weight contribute roughly 19%, also in line. The NASDAQ 100 and US small‑cap value, each at 10%, contribute 13% and 12% of risk, meaning they punch slightly above their size in driving ups and downs. Gold at 10% weight contributes only about 3% of overall risk, acting as a calmer component. The top three holdings together drive nearly 85% of risk, highlighting where portfolio behavior is most anchored.
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 compares your current mix with the best risk/return trade‑offs possible using only these ETFs. The current portfolio has a Sharpe ratio of 0.74, while the optimal mix of the same holdings reaches 1.26, and the minimum‑variance version hits 1.20. The Sharpe ratio is a way to score how much return you get per unit of risk after accounting for a risk‑free rate. Being about 4 percentage points below the frontier at the same risk level suggests that simply reweighting these existing funds (without adding new ones) could, in theory, improve risk‑adjusted returns.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- iShares Core MSCI Emerging Markets ETF 2.40%
- Invesco NASDAQ 100 ETF 0.50%
- Vanguard S&P 500 ETF 1.10%
- Weighted yield (per year) 1.21%
The portfolio’s overall dividend yield is about 1.21%, combining modest payouts from US large caps, small‑cap value, and emerging markets, with a lower yield from the tech‑heavy growth ETF. A yield in this range indicates most of the expected return is aimed at capital growth rather than cash income. Dividends can be useful for stability and income generation, but growth‑oriented stocks often reinvest more profits instead of paying them out. For this portfolio, dividends act as a small steady component of total return, with the main driver being changes in share prices over time.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- SPDR® Gold Shares 0.40%
- iShares Core MSCI Emerging Markets ETF 0.09%
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.11%
The weighted average ongoing fee (TER) across the ETFs is about 0.11% per year, which is very low by industry standards. Costs work like friction: even small percentages compound over many years, so keeping them down helps more of the gross return stay in your account. Here, the cheapest funds are the large US and broad emerging markets ETFs, while gold and small‑cap value carry slightly higher fees. Overall, this fee level is impressively low and supports better long‑term performance compared with higher‑cost alternatives tracking similar exposures. The cost structure is a clear strength of this portfolio.
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