Globally diversified stock only portfolio with low fees and balanced risk for long term growth
Report created on Apr 12, 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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VO Vanguard S&P 500 ETF
VOO - US9229083632 65.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 35.00%
This portfolio is very simple and very focused: two broad stock ETFs, roughly two‑thirds in a US large‑cap fund and one‑third in an international stock fund. Everything is in equities, with no bonds or cash included in the allocation. That kind of structure is easy to manage and track, and avoids the complexity of juggling many small positions. The tradeoff is that all ups and downs are tied to stock markets, so short‑term swings can be meaningful. For someone who wants straightforward global equity exposure and can handle volatility, this kind of streamlined setup can be a strong core building block.
Growth
Historically, $1,000 grew to about $3,356 over the last decade, giving a compound annual growth rate (CAGR) of 12.92%. CAGR is like the average yearly “speed” of growth over the whole trip, smoothing out bumps. That return lagged the US market slightly but beat the global market benchmark, which is a solid outcome for such a simple mix. The worst drop was about -34% in early 2020, similar to major indexes, and it took around five months to recover, showing resilience. History is useful context but not a guarantee; markets can behave differently in the future, especially around interest rates, inflation, or global shocks.
Projection
The Monte Carlo simulation uses past return and volatility patterns to create 1,000 randomized “what if” paths for the next 15 years. Think of it as running the clock forward many times with different dice rolls for markets, then seeing the range of outcomes. The median outcome takes $1,000 to about $2,912, with a broad middle range from roughly $1,891 to $4,469. There’s also a real possibility of flat or negative results, shown by the low end near $995. These projections are helpful for planning, but they rely on historical behavior; if future market conditions change significantly, actual returns could land outside these ranges.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with 0% in bonds, cash, or alternative assets. That makes the growth potential higher over long periods, because equities historically have outpaced safer assets, but it also exposes the full portfolio to stock market downturns. There is no built‑in shock absorber like high‑quality bonds that tend to hold up better during equity sell‑offs. For someone still in the accumulation stage with a long timeline, an equity‑only approach can be reasonable. Closer to spending the money, many investors prefer a mix that includes some steadier assets to smooth the ride and protect withdrawals.
Sectors
- Technology 27%
- Financials 16%
- Industrials 11%
- Consumer Discretionary 10%
- Health Care 9%
- Telecommunications 9%
- Consumer Staples 5%
- Basic Materials 4%
- Energy 4%
- Utilities 3%
- Real Estate 2%
Sector exposure is fairly broad, with technology the largest slice at about 27%, followed by financials, industrials, consumer areas, and health care. This pattern is similar to global benchmarks and shows a healthy spread across different parts of the economy. The tech overweight is expected given how big those firms are in global indices and helps explain strong past performance. It also means returns can be more sensitive to things like interest rate moves, regulation, or sentiment shifts around growth companies. The good news is that other sectors are meaningfully represented, so the portfolio is not a single‑theme bet on any one industry.
Regions
- North America 68%
- Europe Developed 13%
- Japan 5%
- Asia Developed 5%
- Asia Emerging 5%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, around 68% is in North America with the rest spread across developed Europe, Japan, other developed Asia, emerging Asia, and smaller slices in Australasia, Latin America, and Africa/Middle East. That North America tilt lines up with the current weight of US markets in global indexes, so it’s very much a “market‑like” world allocation. This allocation is well‑balanced and aligns closely with global standards, which is beneficial for capturing broad economic growth. The remaining exposure outside North America adds diversification across currencies, political systems, and local growth stories, reducing the impact of any single region’s economic cycle.
Market capitalization
- Mega-cap 46%
- Large-cap 33%
- Mid-cap 17%
- Small-cap 2%
The portfolio is heavily tilted to mega‑cap and large‑cap companies, with only a small slice in mid‑ and especially small‑cap stocks. Larger firms tend to be more established, profitable, and widely researched, which often leads to lower volatility and more predictable behavior than smaller, more speculative names. The tradeoff is that if small‑cap or mid‑cap segments go through a strong outperformance phase, this portfolio will only participate modestly. For many investors, large‑cap dominance is comforting and easier to follow, but it does mean less exposure to some of the higher‑risk, higher‑potential areas of the equity market.
True holdings
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NV NVIDIA Corporation 4.76%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc 4.32%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.22%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.26%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.00%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.67%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.60%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.56%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.25%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.20%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 23.83%
Looking through the ETFs, the biggest underlying exposures are familiar mega‑cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Meta. These appear across both US and international funds via cross‑listings and index weighting, which creates some hidden concentration in a handful of global giants. This is normal in market‑cap‑weighted index strategies, but it does mean a lot of performance is driven by the fate of a small number of very large companies. Since only top‑10 ETF holdings are captured, actual overlap is likely higher, so the portfolio may be even more tied to large global leaders than these numbers show.
Factors
Factor exposure is very close to neutral across value, size, momentum, quality, yield, and low volatility, all hovering around market‑like levels. Factors are basically characteristics—like “cheap vs. expensive” (value) or “steady vs. jumpy” (low volatility)—that research has shown can influence returns over time. A neutral profile means the portfolio behaves much like the overall market rather than leaning into any specialized style. That’s a positive for someone who wants broad, boring, market‑level exposure without big bets on particular strategies. It also suggests performance will mainly track global equity trends rather than depend on factor timing.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 65.00% 67.3% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 35.00% 32.7%
Risk contribution looks at how much each holding drives the overall ups and downs, which can differ from its simple weight. Here, the US ETF is 65% of the portfolio but contributes about 67% of total risk, while the international ETF is 35% of the weight and 33% of the risk. That’s very close to proportional, which means there’s no hidden “risk hog” dominating the behavior. This alignment is a good sign: the risk each position adds generally matches its size. If future changes are made, keeping an eye on risk contribution can help ensure one position doesn’t quietly become the main driver of volatility.
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 mix sits right on or very near the efficient frontier, meaning it’s using the two holdings in a smart way for this risk level. The efficient frontier is the curve showing the best possible return for each level of volatility with the existing ingredients. The optimal portfolio has a higher Sharpe ratio (better risk‑adjusted return) and slightly higher risk, while the minimum‑variance mix is slightly safer but with less return. Since the current portfolio’s Sharpe is solid and near the frontier, there’s no obvious efficiency gap—this is a well‑tuned balance between the two ETFs.
Dividends
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.70%
The combined dividend yield is about 1.70%, with the US fund around 1.10% and the international fund closer to 2.80%. Dividend yield is the yearly cash payout as a percentage of the investment value—like getting occasional “rent” from owning shares. This level suggests the portfolio is tilted more toward growth than income, relying primarily on price appreciation rather than high cash distributions. For long‑term compounding, reinvesting those dividends back into the portfolio can be powerful. For someone eventually seeking income, this kind of yield could be a base, but likely not a complete solution for living expenses without selling shares.
Ongoing product costs
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
Total ongoing costs are very low at about 0.04% per year, thanks to the ultra‑cheap Vanguard ETFs. The TER (Total Expense Ratio) is the annual fee charged by a fund, similar to a small management overhead. Costs are one of the few things investors can control, and even tenths of a percent compound meaningfully over decades. Here, the costs are impressively low, supporting better long‑term performance. This structure is doing exactly what it should from a fee standpoint: delivering broad global exposure at near‑minimum cost. It sets a strong foundation where long‑term returns go mostly to the investor, not to intermediaries.
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