A highly diversified all in one equity ETF portfolio designed for balanced growth and moderate risk
Report created on Mar 15, 2026Risk profile
4/7
Diversification profile
5/5
Positions
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XE iShares Core Equity Portfolio
XEQT - CA46436D1087 100.00%
The portfolio is extremely simple: one core equity ETF holds 100% of the account, yet internally it is highly diversified across regions, sectors, and company sizes. This kind of “one-ticket” structure is common in modern investing and can mirror a broad global equity benchmark quite closely. Simplicity matters because fewer moving parts usually mean easier oversight and less chance of unintentional bets. With this setup, the main lever becomes how much to allocate to this ETF versus safer assets held elsewhere, rather than tinkering with lots of positions here. Keeping the structure as a single, diversified fund is perfectly reasonable; any changes should mainly focus on overall household mix with cash, bonds, and other accounts.
Growth
Historically, the portfolio shows a compound annual growth rate (CAGR) of 13.84%, meaning a notional 10,000 could have grown to around 36,700 over ten years if that rate persisted. CAGR is like average speed on a road trip: it smooths the journey, even though the ride was bumpy. The maximum drawdown of about -30% signals that, at worst, the portfolio temporarily fell roughly a third from a peak before recovering. That level of drop is typical for a diversified equity mix during sharp market shocks. This history is encouraging and aligns with equity benchmarks, but it is crucial to remember that past returns do not guarantee the future and drawdowns of similar size can recur.
Projection
The Monte Carlo analysis uses 1,000 simulated paths based on historical patterns to estimate possible future outcomes. Think of Monte Carlo as rolling digital dice many times using past returns and volatility to see a range of end values. The median (50th percentile) outcome of about 546% suggests that 10,000 might end near 54,600 in a typical scenario, while the 5th percentile at around 146% shows a much lower but still positive outcome. The average simulated annual return of 14.95% is strong but should be viewed cautiously. Simulations rely on historical data and assumptions that may not hold; they are best used for exploring ranges, not predicting precise results.
Asset classes
- US Equity 44%
- Stocks 26%
- Cash 1%
Within the equity sleeve, about 44% is tagged as U.S. equity and another 26% as broader equity, with only around 1% in cash. This means the portfolio is essentially fully invested in stocks, matching what many balanced-to-growth benchmarks do on the equity side while relying on outside accounts for fixed income. A nearly zero cash position is efficient for long-term investors because idle cash tends to drag returns. However, it also means short-term shocks will be fully felt. For most people, any adjustment here is better done by changing how much of their total net worth sits in this ETF versus savings accounts, guaranteed products, or other defensive holdings.
Sectors
- Financials 20%
- Technology 20%
- Industrials 13%
- Basic Materials 8%
- Consumer Discretionary 8%
- Energy 7%
- Health Care 7%
- Telecommunications 6%
- Consumer Staples 5%
- Utilities 3%
- Real Estate 2%
Sector exposure is well balanced: financial services and technology each at about 20%, then meaningful stakes in industrials, materials, consumer areas, energy, healthcare, communications, and more. This matches broad benchmarks quite closely, which is a strong indicator of good diversification. A roughly even split between financials and technology reduces reliance on any single theme, unlike portfolios that heavily favor just one high-growth area. Sector balance is important because different sectors shine in different economic environments. Going forward, it usually makes sense to let the ETF maintain this broad mix rather than trying to time sector winners, and instead use overall allocation size to tune risk to personal comfort.
Regions
- North America 70%
- Europe Developed 15%
- Japan 6%
- Asia Developed 3%
- Asia Emerging 2%
- Australasia 2%
- Africa/Middle East 1%
Geographically, around 70% is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and smaller amounts in emerging regions and other areas. This tilt toward North America, and especially the U.S., is common in global benchmarks and has benefited investors in recent years thanks to strong corporate performance there. The presence of Europe and Asia adds useful diversification because economic cycles and currency moves can differ by region. That said, returns can be more heavily influenced by North American markets than by the rest. Anyone wanting a stronger tilt toward faster-growing or less correlated regions would typically adjust that in separate holdings rather than altering this broadly diversified core.
Market capitalization
- Mega-cap 45%
- Large-cap 30%
- Mid-cap 18%
- Small-cap 5%
- Micro-cap 1%
By market capitalization, the allocation leans heavily toward mega and big companies, with 45% and 30% respectively, plus 18% in medium, 5% in small, and 1% in micro caps. This is very similar to standard global indices, which naturally give more weight to larger firms. Bigger companies usually bring more stability and liquidity, but smaller ones can sometimes offer higher long-term growth at the cost of higher volatility. This mix is well-balanced and aligns closely with global standards, delivering a steady core while still leaving some room for smaller, potentially faster-growing businesses. Any desire for a stronger small-company tilt could be handled via a small satellite holding outside this all‑in‑one ETF.
True holdings
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XT iShares Core S&P Total U.S. Stock Market Index ETF 20.42%
Part of fund(s):- iShares Core Equity Portfolio
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RY Royal Bank of Canada 1.76%
Part of fund(s):- iShares Core Equity Portfolio
- iShares Core S&P/TSX Capped Composite
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NV NVIDIA Corporation 1.50%
Part of fund(s):- iShares Core Equity Portfolio
- iShares Core S&P Total U.S. Stock Market ETF
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AA Apple Inc 1.33%
Part of fund(s):- iShares Core Equity Portfolio
- iShares Core S&P Total U.S. Stock Market ETF
-
SH Shopify Inc 1.33%
Part of fund(s):- iShares Core Equity Portfolio
- iShares Core S&P/TSX Capped Composite
-
TD Toronto Dominion Bank 1.20%
Part of fund(s):- iShares Core Equity Portfolio
- iShares Core S&P/TSX Capped Composite
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MS Microsoft Corporation 1.19%
Part of fund(s):- iShares Core Equity Portfolio
- iShares Core S&P Total U.S. Stock Market ETF
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IE iShares Core MSCI EAFE ETF 0.98%
Part of fund(s):- iShares Core Equity Portfolio
- iShares Core MSCI EAFE IMI
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EN Enbridge Inc 0.93%
Part of fund(s):- iShares Core Equity Portfolio
- iShares Core S&P/TSX Capped Composite
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BN Brookfield Corporation 0.84%
Part of fund(s):- iShares Core Equity Portfolio
- iShares Core S&P/TSX Capped Composite
- Top 10 total 31.49%
Looking through the ETF’s top holdings, there is broad exposure to global leaders like large banks, major technology firms, and diversified industrial and infrastructure companies, plus a large allocation to a total U.S. stock market fund. This look-through approach helps reveal hidden concentration, such as multiple routes into the same large company. Here, exposure looks well spread and matches common global indices quite closely, which is a positive sign. Because the analysis only uses the ETF’s top ten holdings, some smaller underlying names are not visible, so overlap may be understated. Treat this as a rough X‑ray rather than a full scan and focus mainly on any sizable overlaps you hold in other accounts.
Factors
Factor exposure shows strong tilts to low volatility (70%) and momentum (67.5%), with a moderate value tilt around 25%. Factors are like underlying “personality traits” of the portfolio that explain how it behaves: momentum favors recent winners, low volatility prefers steadier stocks, and value leans toward cheaper companies by fundamentals. A strong low-volatility tilt can cushion downturns somewhat, while momentum can add return in trending markets but may suffer during sharp reversals. The moderate value exposure can help when cheaper stocks outperform. This blend is quite healthy and suggests smoother behavior than a pure high-growth tilt. As factor coverage and data are imperfect, these signals should be viewed as directional rather than exact.
Risk contribution
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iShares Core Equity Portfolio
Weight: 100.00% 100.0%
With a single ETF at 100%, all risk contribution technically comes from that one holding, even though internally it’s diversified. Risk contribution measures how much each position adds to the portfolio’s ups and downs, which can differ from its simple weight. In this structure, the only true lever is how large this ETF is relative to other holdings in the broader financial picture. If this ETF dominates overall wealth, overall risk is essentially equity‑driven; if it is one of several buckets, its impact is more moderate. Aligning risk with comfort usually means periodically checking how big this holding has become compared to safer assets and trimming or adding as life circumstances change.
Dividends
- iShares Core Equity Portfolio 0.20%
- Weighted yield (per year) 0.20%
The portfolio’s indicated yield of around 0.20% is quite low, meaning the focus is clearly on capital growth rather than income. Yield is the cash paid out as dividends relative to the portfolio value, and low yield often reflects either higher valuations, a bias toward companies that reinvest profits, or both. This approach is well-suited for long-term compounding because reinvested earnings can drive higher growth over time. However, it is less helpful for someone needing regular cash flow. Anyone with income needs would typically pair this holding with higher-yielding accounts or products elsewhere instead of trying to force income out of this growth‑oriented structure.
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