Broad global stock portfolio with growth tilt and efficient but improvable risk and return balance

Report created on Jun 11, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is a 100% equity mix, anchored by two broad index funds that cover US and international stocks, together making up 65% of the total. Around them sit several more focused funds targeting US small-cap value, large-cap growth, and momentum and international small-cap and momentum strategies. This structure combines a “total market core” with a set of satellite holdings pushing the portfolio toward growth and more active factor-tilted styles. A setup like this is relevant because the core provides broad diversification, while the satellites shape how aggressively the portfolio reacts to different market conditions. Overall, the portfolio is clearly growth-oriented, with all risk tied to the stock market rather than cash or bonds.

Growth Info

One or more local-currency benchmark funds are unavailable for this report.

From late 2019 to mid-2026, a hypothetical $1,000 invested here grew to about $2,644, which implies a Compound Annual Growth Rate (CAGR) of 15.69%. CAGR is like the average yearly speed of a car on a long trip, smoothing out the bumps along the way. Over the same period, the global equity benchmark returned 14.17% per year, so the portfolio outpaced it by roughly 1.5 percentage points annually. The worst decline, or max drawdown, was -35.33% during early 2020, slightly deeper than the global market’s drop. This shows the portfolio has historically delivered stronger growth than the broad market while accepting somewhat sharper downside in fast sell-offs.

Projection Info

The Monte Carlo projection models many possible future paths for $1,000 over 15 years, using past returns and volatility patterns as inputs. In this simulation, the median outcome ends around $2,837, with a “likely” middle band from about $1,845 to $4,257. A Monte Carlo simulation is like running 1,000 different weather forecasts to see the range of possible climates, not just one prediction. About 75% of the simulated paths end with a positive result, and the average simulated annual return across all paths is 8.21%. These numbers are not promises: they’re statistical estimates built from history, and real future returns could fall anywhere inside or outside these ranges.

Asset classes Info

  • Stocks
    100%

All of the portfolio is in stocks, with no allocation to bonds, cash, or alternative assets. That makes the asset-class exposure straightforward but also concentrated in one risk driver: global equity markets. Asset class diversification typically helps smooth returns, since different assets respond differently to interest rates, inflation, and economic shocks. Here, the diversification is achieved within equities rather than across multiple asset classes. This setup can work well in strong growth periods, because there is no drag from lower-return defensive assets, but it also means equity bear markets fully feed through to the portfolio’s value. The growth-focused risk classification and 5/7 risk score are consistent with this all-stock approach.

Sectors Info

  • Technology
    28%
  • Financials
    16%
  • Industrials
    12%
  • Consumer Discretionary
    10%
  • Telecommunications
    8%
  • Health Care
    7%
  • Energy
    5%
  • Basic Materials
    5%
  • Consumer Staples
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is led by technology at 28%, followed by financials at 16% and industrials at 12%, with other sectors more modestly represented. Compared with a typical global equity index, this portfolio leans meaningfully into technology, while still maintaining noticeable exposure to areas like consumer discretionary and telecommunications. Sector diversification matters because different parts of the economy can lead or lag at different points in the cycle. A tech-heavy allocation often benefits from innovation and strong earnings growth, but it can also be more sensitive to interest rate changes and shifts in sentiment toward high-growth companies. The presence of energy, materials, staples, and utilities adds some balance, helping avoid a single-sector story.

Regions Info

  • North America
    73%
  • Europe Developed
    12%
  • Japan
    6%
  • Asia Developed
    4%
  • Asia Emerging
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, about 73% of the portfolio is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and small allocations to emerging regions including Asia, Latin America, and Africa/Middle East. This means returns are heavily influenced by North American markets and the US dollar, more so than a purely global market-cap benchmark, which usually allocates somewhat less to North America. Geographic diversification helps spread risk across different economies, interest rate regimes, and political environments. The current mix keeps a strong home-region orientation while still drawing about a quarter of exposure from overseas markets, so global developments outside North America can still meaningfully impact results.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    27%
  • Mid-cap
    17%
  • Small-cap
    11%
  • Micro-cap
    6%

By market capitalization, the portfolio leans toward larger companies, with around 39% in mega-caps and 27% in large-caps, but still allocates 34% combined to mid-, small-, and micro-cap stocks. Market cap spread is important because smaller companies tend to be more volatile and sensitive to economic cycles, while larger firms often provide more stability and established cash flows. This mix blends the resilience of big, global businesses with the growth and risk of smaller firms. The deliberate inclusion of small-cap value and other non-mega-cap funds increases exposure to less dominant parts of the market, which can behave differently from headline indices and sometimes lead or lag at different times.

True holdings Info

  • NVIDIA Corporation
    4.53%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    3.57%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    2.64%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    2.24%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    2.18%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    2.06%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    1.72%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    1.22%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    1.10%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.77%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Top 10 total 22.02%

Looking through the ETFs’ top holdings, several large technology and growth names show up prominently. NVIDIA has a combined exposure of about 4.53%, Apple around 3.57%, and Microsoft about 2.64%, with Amazon, Alphabet (both share classes), Broadcom, Meta, Tesla, and Taiwan Semiconductor also featuring. These positions appear via multiple funds, creating overlap where the same company is owned through different wrappers. Because only the top-10 ETF holdings are used, this overlap is likely understated. Hidden concentration like this matters because it can increase sensitivity to a handful of mega-cap growth names, even though the overall portfolio is diversified across many funds and thousands of underlying stocks.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 100%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Neutral
Data availability: 100%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure is broadly neutral across value, size, momentum, quality, yield, and low volatility, with all readings clustered close to the 50% “market average” level. Factors are like the underlying characteristics—such as cheap versus expensive, big versus small, or stable versus speculative—that research has linked to long-term return patterns. Neutral factor scores suggest the combined effect of the core index funds and the more targeted strategies ends up resembling the broad market’s mix of traits. That means the portfolio is not strongly betting on any single factor, despite holding some funds that focus on value, growth, or momentum individually. In practice, behavior should be relatively similar to global equity markets overall.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 45.00%
    45.6%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 20.00%
    17.5%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 10.00%
    12.1%
  • Schwab U.S. Large-Cap Growth ETF
    Weight: 10.00%
    11.3%
  • Invesco S&P 500® Momentum ETF
    Weight: 5.00%
    5.0%
  • Top 5 risk contribution 91.4%

Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ from its simple weight. The broad US total market ETF, at 45% weight, contributes about 45.6% of total risk, almost exactly in line with size. The international total market ETF contributes 17.5% of risk on a 20% weight, slightly less than proportional. The US small-cap value and US large-cap growth funds both contribute more risk than their 10% weights, at 12.1% and 11.3% respectively, reflecting their higher volatility. Overall, the top three holdings account for about 75% of portfolio risk, showing that while the satellites matter, the core positions still dominate overall behavior.

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.

On the risk–return chart, the current portfolio has an annualized return of 16.69% with 20.00% volatility and a Sharpe ratio of 0.63. The Sharpe ratio measures return earned per unit of risk above a risk-free rate—higher is better. The optimal mix of the existing holdings on the efficient frontier shows a Sharpe of 0.99, while the minimum-variance mix has 0.73. The current allocation sits about 3.99 percentage points below the frontier at its risk level, meaning there are alternative weightings of the same funds that would have historically delivered a better trade-off between risk and return. Even so, the present structure is in a reasonable zone, just not extracting the maximum historical efficiency possible.

Dividends Info

  • Avantis® International Small Cap Value ETF 4.30%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Invesco S&P International Developed Momentum ETF 3.70%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Invesco S&P 500® Momentum ETF 0.70%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.70%

The portfolio’s overall dividend yield is about 1.70%, coming from a mix of higher-yielding value and international strategies and lower-yielding growth and momentum funds. Yield is the cash income paid out each year relative to the investment’s price. Some holdings, like the international small-cap value ETF (around 4.30%) and the international developed momentum ETF (3.70%), contribute above-average income, while the large-cap growth and US momentum sleeves pay very little. This pattern is typical: growth and momentum strategies often reinvest more earnings rather than paying them out. In this portfolio, dividends provide a modest but not dominant part of total return, with most of the heavy lifting historically coming from price growth.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Invesco S&P 500® Momentum ETF 0.13%
  • 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) 0.09%

The weighted average ongoing fee, or Total Expense Ratio (TER), is about 0.09%, which is impressively low for a portfolio that blends broad index funds with more specialized strategies. TER is the annual percentage the funds charge to cover management and operating costs; lower fees leave more of the return in the investor’s pocket and compound over time. The lowest-cost holdings, such as the US total market ETF at 0.03% and the large-cap growth ETF at 0.04%, anchor the portfolio’s costs, while more specialized factor funds sit higher but only occupy smaller weights. Overall, the cost structure strongly supports efficient long-term compounding without a big drag from fees.

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