Growth focused global equity mix with strong US tilt and efficient risk adjusted return profile
Report created on May 6, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 60.00% -
QQ Invesco QQQ Trust
QQQ - US46090E1038 20.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00%
This portfolio is a simple three‑ETF equity mix with a clear tilt to US stocks. Around 60% sits in a broad US large‑cap fund, 20% in a US growth‑heavy ETF, and 20% in a global ex‑US fund. Everything is in stocks, with no bonds or cash included in the allocation breakdown. A concentrated lineup like this makes the portfolio easy to understand and manage, because each holding has a distinct role: broad US market, US growth, and international diversification. It also means most of the portfolio’s behavior will be driven by stock markets, especially the US, rather than by bonds or other assets.
Growth
From 2016 to 2026, a $1,000 hypothetical investment grew to about $4,361, which is strong absolute growth. That works out to a 15.93% compound annual growth rate (CAGR), slightly ahead of the US market benchmark and clearly ahead of the global market. CAGR is like average speed on a long road trip, smoothing the bumps. The max drawdown of about -32% during early 2020 shows that the portfolio did experience sharp falls, similar to broad markets, but recovered within a few months. This pattern is typical for growth‑tilted equity portfolios: strong long‑term returns paired with meaningful, but not extreme, drawdowns.
Projection
The Monte Carlo projection uses past return and volatility patterns to randomly simulate many possible 15‑year futures. Think of it as re‑rolling the historical dice 1,000 times to see a range of outcomes, not a single forecast. The median result roughly doubles to triples the starting $1,000, with a wide “likely” band from about $1,784 to $4,342 and a much wider possible band. The average simulated annual return of 8.16% is notably lower than the historical 15.93%, reflecting that simulations typically bake in uncertainty and more modest assumptions. As always, these projections are illustrations, not guarantees, since future markets can behave very differently from history.
Asset classes
- Stocks 100%
All of the portfolio is invested in stocks, with 0% in bonds, cash, or alternatives. That makes the asset‑class mix very growth‑oriented, since stocks historically offer higher long‑term return potential but larger swings along the way. Compared with many broad benchmarks that hold some bonds, this portfolio will typically move more in line with equity markets, both on the upside and downside. The flip side of the simplicity is that the main risk‑buffering tool is diversification within stocks themselves, not across different asset classes. This setup is well aligned with the “Growth” classification and helps explain the risk score of 5 out of 7.
Sectors
- Technology 34%
- Financials 12%
- Telecommunications 10%
- Consumer Discretionary 10%
- Industrials 9%
- Health Care 8%
- Consumer Staples 6%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is led by Technology at 34%, with the rest spread across financials, telecoms, consumer sectors, industrials, health care, energy, materials, utilities, and real estate. This mirrors the current structure of global equity markets, where tech and communication‑related businesses have grown to large weights. A tech‑heavy profile often means higher sensitivity to changes in interest rates and investor sentiment toward growth companies. At the same time, having meaningful allocation to defensive areas like health care, consumer staples, and utilities can help soften the impact when cyclical or growth sectors face pressure. Overall, the sector mix is fairly aligned with major benchmarks, supporting good diversification across economic areas.
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% of the portfolio is in North America, with the remaining 19% spread across Europe, Japan, Asia, emerging markets, Australasia, Latin America, and Africa/Middle East. This is a strong US tilt compared with global market weights, where the US is large but not above 80%. A home‑country tilt is common for US investors and has worked well recently, which shows up in the outperformance versus the global benchmark. The international slice still brings exposure to different currencies, economies, and policy environments, which can help when US markets lag. However, the portfolio’s risk and return will still be dominated by what happens in North American markets.
Market capitalization
- Mega-cap 47%
- Large-cap 35%
- Mid-cap 16%
- Small-cap 1%
By market capitalization, the portfolio is heavily tilted to mega‑cap and large‑cap companies, which together make up over 80% of exposure. Mid‑caps account for most of the rest, with only a small allocation to small‑caps. Large and mega‑caps tend to be more established businesses and often trade in deeper, more liquid markets, which can reduce company‑specific risk compared with a portfolio full of smaller firms. However, they can also be more closely tied to broad index moves and may offer less “idiosyncratic” behavior. The limited small‑cap allocation means the portfolio doesn’t strongly lean into the historical small‑cap “size” factor, staying closer to mainstream index structures.
True holdings
-
NV NVIDIA Corporation 6.25%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
AA Apple Inc 5.40%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 4.02%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.19%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.58%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.27%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.17%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.98%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.79%
Part of fund(s):- Invesco QQQ Trust
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 0.94%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 30.59%
Looking through the ETFs’ top holdings, a handful of big US names stand out: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Berkshire Hathaway together form a meaningful slice. These appear across multiple ETFs, creating overlap that increases hidden concentration in those companies. For example, NVIDIA alone accounts for over 6% of the total portfolio when aggregating ETF exposures. Because only top‑10 ETF holdings are included here, true overlap is likely higher across the full portfolios. This concentration in leading mega‑cap names has supported recent performance but also means the portfolio is particularly sensitive to how this small group of companies performs going forward.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility is broadly neutral, sitting near the 50% market‑like level for each. Factors are like the “ingredients” behind returns, capturing patterns such as cheaper stocks (value), recent winners (momentum), or steadier companies (low volatility). A neutral profile indicates the portfolio behaves similarly to a broad global equity market, without strong systematic tilts toward or away from any specific factor. That can be helpful for investors who prefer to keep things simple and avoid making explicit bets on particular factor strategies. The portfolio’s return pattern is therefore driven more by overall equity markets and its US/sector mix than by factor tilts.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 60.00% 59.5% -
Invesco QQQ Trust
Weight: 20.00% 23.6% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 16.9%
Risk contribution shows how much each holding drives the portfolio’s total ups and downs, which can differ from simple weights. Here, the S&P 500 ETF is 60% of the portfolio and contributes about 59.5% of risk, almost one‑for‑one. The QQQ position is 20% by weight but contributes over 23% of risk, reflecting its higher volatility and growth focus. The international fund is 20% weight but only about 17% of risk, helped by diversification and slightly lower volatility. This pattern is very typical: growth‑heavy funds punch above their weight in risk terms, while broader or more diversified funds can contribute a bit less than their allocation might suggest.
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 suggests the current mix is already on or very close to the best possible risk/return trade‑off given these three ETFs. The Sharpe ratio, which measures return per unit of risk above cash, is 0.67, between the minimum‑variance portfolio (0.68) and the maximum‑Sharpe portfolio (0.93). The optimal theoretical mix would take on a bit more risk for higher expected return, while the minimum‑variance mix dials risk down somewhat. Since the current allocation sits on the efficient frontier, there is no evidence of “wasted” risk within this set of holdings; reweighting could shift the balance, but it’s already an efficient structure overall.
Dividends
- Invesco QQQ Trust 0.40%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.28%
The portfolio’s overall dividend yield sits around 1.28%, combining a low‑yield growth fund, a moderate‑yield US core fund, and a higher‑yield international fund. Dividends are cash payments from companies and can be an important part of long‑term total return, especially when reinvested. In this case, the relatively low yield reflects the growth‑oriented nature of some holdings, where companies often reinvest profits instead of paying them out. That can be consistent with focusing on capital appreciation rather than income. Over time, even modest dividend yields can add up when combined with price growth, but this portfolio is clearly more about growth than cash payouts today.
Ongoing product costs
- Invesco QQQ Trust 0.20%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.07%
The weighted ongoing cost (TER) of the portfolio is about 0.07% per year, which is impressively low. TER, or Total Expense Ratio, is the annual fee charged by funds as a percentage of assets, quietly deducted inside the ETF. Low costs mean less return is eaten up by fees, and the savings compound over long periods. Here, the bulk of the allocation sits in very low‑fee index funds, with the slightly higher‑cost growth ETF still reasonably priced. Relative to many actively managed strategies, this fee level is highly competitive and strongly supports long‑term performance by keeping more of the portfolio’s gross returns in the investor’s hands.
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