Balanced global equity portfolio blending broad indexes with style tilts for growth focus
Report created on Apr 15, 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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VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 50.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 15.00%
The portfolio is a four-fund, all-stock mix: a broad US total market core at 50%, international stocks at 20%, plus two 15% “satellites” in US small-cap value and US large-cap growth. This structure combines simple building blocks with a couple of targeted style tilts, while staying easy to manage. Having half the money in a broad US fund gives instant exposure to thousands of companies, and the international slice adds global reach. The takeaway: this is a straightforward, equity-only growth setup that trades some short-term stability for long-term return potential, with clear room to tweak weights if your goals or risk comfort change.
Growth
Since late 2019, $1,000 grew to about $2,435, which is a compound annual growth rate (CAGR) of 14.63%. CAGR is like your average speed over a long road trip, smoothing out bumps along the way. You slightly lagged the US market (by 0.59% per year) but beat the global market by a healthy 1.71% per year, which is solid. The worst drop, or max drawdown, was about -36% during early 2020, a bit deeper than the benchmarks. This confirms the portfolio behaves like a growth-oriented, all-stock mix: strong upside, but you have to be able to sit through large but relatively short-lived drawdowns.
Projection
The Monte Carlo projection models many possible 15-year futures by shuffling historical returns and volatility. It’s like running 1,000 alternate timelines to see the range of outcomes. The median outcome grows $1,000 to around $2,690, with a likely middle range of about $1,800–$4,043. There’s roughly a three-in-four chance of ending positive, and the average simulated annual return is 7.89%. This is lower than your recent historical CAGR, which is normal because simulations build in rough patches. The key idea: long-term growth is likely, but the path could be bumpy, and outcomes can vary a lot around the median.
Asset classes
- Stocks 100%
Every dollar is in stocks, with 0% in bonds, cash, or alternatives. That’s a classic “pure growth” asset allocation. Asset classes are just broad buckets like stocks, bonds, and real estate that behave differently in various economic conditions. Being 100% in stocks maximizes exposure to economic growth but also maximizes sensitivity to market downturns. Compared with a more balanced stock/bond mix, this setup should grow faster over decades but will likely have larger and more frequent drawdowns. This kind of structure generally suits longer time horizons and investors who can stay invested through significant volatility without needing to tap the money soon.
Sectors
- Technology 26%
- Financials 16%
- Consumer Discretionary 11%
- Industrials 11%
- Telecommunications 9%
- Health Care 9%
- Energy 6%
- Consumer Staples 5%
- Basic Materials 4%
- Real Estate 2%
- Utilities 2%
Sector-wise, the portfolio is tilted toward technology at 26%, with financials next at 16%, then a fairly even mix of consumer, industrials, telecom, health care, energy, and others. This looks broadly similar to a modern global equity benchmark, which means the sector spread is well-balanced and aligns closely with global standards. That’s a positive: you’re not making any huge sector bets beyond the natural tech tilt present in most broad indexes today. The implication is that your ups and downs will be driven more by overall equity markets and big-picture trends than by one or two highly concentrated sectors.
Regions
- North America 81%
- Europe Developed 8%
- Japan 3%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 81% is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and emerging markets. Global market benchmarks are usually closer to 60% US/Canada, so this is a clear home-country tilt toward North America. That’s common for US investors, and it has been rewarded in recent years, but it also means results are heavily tied to one economy and currency. The diversification score being only moderate reflects this. A key takeaway: you already have global exposure, but the center of gravity is firmly US-centric, so your experience will lean more like the US market than the broader world.
Market capitalization
- Mega-cap 39%
- Large-cap 25%
- Mid-cap 15%
- Small-cap 12%
- Micro-cap 8%
By market cap, you’ve got 39% in mega-cap, 25% large-cap, 15% mid-cap, 12% small-cap, and 8% micro-cap. Market capitalization is just company size based on its total stock value. This mix is more diversified by size than a typical market-cap-weighted global index, which tends to be more dominated by mega- and large-caps. The dedicated small-cap value fund especially boosts exposure to smaller companies. The benefit: more participation in potential small- and mid-cap growth. The trade-off: these smaller names can be bumpier in the short term, so they contribute a bit more volatility even if they’re a minority of the dollar allocation.
True holdings
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NV NVIDIA Corporation 4.85%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 4.45%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.30%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.43%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.10%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.80%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.66%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.62%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.37%
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
-
BR Berkshire Hathaway Inc 0.69%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 24.28%
Looking through the ETFs, the top underlying companies are the big US names: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, Broadcom, and Berkshire Hathaway. Several appear in more than one ETF, so the true exposure to these giants is higher than it looks from any single fund. Because only ETF top-10s are used, some overlap isn’t even captured, meaning real concentration is probably a bit higher. This kind of “hidden” clustering is normal in index-heavy portfolios, but it does mean a meaningful chunk of your results will be driven by a relatively small group of mega-cap US companies.
Factors
Factor exposure is very balanced across value, size, momentum, quality, yield, and low volatility, all sitting near the neutral 50% mark. Factors are like underlying “traits” of stocks—such as being cheap (value) or stable (low volatility)—that research has linked to long-term returns and risk. A neutral profile means you’re essentially getting the market’s average mix of these traits rather than leaning hard into any one style. That’s actually a strength: it reduces the chance that you’re overly exposed to a single investing fashion, which can underperform for long stretches. Your style tilts via individual funds are largely offsetting each other at the whole-portfolio level.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 50.00% 49.2% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 17.9% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 16.5% -
Schwab U.S. Large-Cap Growth ETF
Weight: 15.00% 16.4%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Your US total market ETF is 50% of the portfolio and contributes about 49% of the risk—almost exactly aligned. The small-cap value ETF is 15% of assets but about 18% of risk, reflecting its bumpier behavior. The international and large-cap growth ETFs each contribute a bit more risk than their weights, but not dramatically so. With the top three positions driving around 84% of total risk, most of your volatility comes from that core-plus-one-satellite cluster, which is reasonable but worth remembering when markets swing.
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, your portfolio sits right on or very near the efficient frontier. The efficient frontier shows the best possible return for each risk level using only your existing holdings in different mixes. Your Sharpe ratio, a measure of risk-adjusted return, is 0.58 versus 0.78 for the theoretical optimal mix and 0.61 for the minimum-variance mix. Being this close to the frontier means the current allocation is already quite efficient: you’re getting a reasonable trade-off between return and volatility with these weights. Any further improvement would likely be incremental tweaks rather than a major overhaul of the structure.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.36%
The overall dividend yield is about 1.36%, combining lower-yielding growth and US funds with a higher-yield international fund at 2.8%. Dividend yield is simply the annual cash payout divided by price. This level is modest, which is typical for a growth-oriented, stock-heavy mix. Most of the expected return here is from price appreciation rather than income. For someone focused on long-term growth, that’s perfectly consistent, and it means less tax drag from payouts in taxable accounts. The trade-off is that the portfolio won’t generate a lot of cash flow on its own, so it’s not naturally geared toward near-term income needs.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- 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) 0.07%
Your total expense ratio (TER) averages just 0.07%, which is impressively low. TER is the annual fee charged by funds, expressed as a percentage of your investment. Keeping this number small leaves more of the returns in your pocket, and over decades, that compounding effect really adds up. The core index funds are ultra-cheap, and even the higher-cost small-cap value ETF is reasonable for a more specialized strategy. Overall, costs are a real strength here: they align with best practices and support better long-term performance compared with more expensive active or niche products covering similar areas.
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