Broad US equity core portfolio with strong value tilt and efficient risk return balance

Report created on Apr 12, 2026

Risk 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

The portfolio is a concentrated mix of six US-focused equity funds, all in stocks, with three broad-market ETFs making up over 80% of the allocation. Two S&P 500 funds plus a total US market ETF sit alongside two dividend-focused funds and a small slice of NASDAQ 100 exposure. This creates a core “own the US market” structure with an added income layer and a growth tilt from large tech. Structurally, this is simple and easy to understand, which is a plus. The main implication is that performance will track the US market closely, with only mild deviations from broad US indices despite holding multiple different tickers.

Growth Info

From late 2020 to early 2026, $1,000 grew to $2,083, giving a compound annual growth rate (CAGR) of 14.36%. CAGR is the “average yearly speed” of growth over the whole period. That’s almost identical to the US market benchmark at 14.48% and clearly ahead of the global market at 12.64%. Max drawdown, the largest peak-to-trough fall, was about -22%, slightly shallower than both benchmarks. This shows the portfolio has captured most of the US market’s strong run while not being meaningfully more painful in downturns. Still, the path was bumpy, and past returns don’t guarantee the next five years look similar.

Projection Info

The Monte Carlo projection takes the portfolio’s historical return and volatility, then runs 1,000 random “what if” paths to see a range of 15‑year outcomes. It’s like simulating many alternate futures based on how similar investments behaved in the past. The median path grows $1,000 to about $2,645, with a wide likely range from roughly $1,824 to $4,053 and a 74.6% chance of a positive result. The average simulated annual return is 8.01%, comfortably above cash assumptions. The key takeaway is that long-term growth looks plausible but highly uncertain, and results could be much better or worse than the median because markets rarely follow the average path.

Asset classes Info

  • Stocks
    100%

All of the portfolio is in stocks, with 0% in bonds, cash-like instruments, or alternatives. This all‑equity stance maximizes exposure to long-term growth but also leaves the portfolio fully exposed to equity bear markets. For a “balanced” risk rating, the absence of stabilizing assets is the main gap. Historically, mixing in bonds or other diversifiers can reduce the size and emotional impact of drawdowns, even if it trims expected returns a bit. Here, the risk profile is driven purely by stock market behavior, so comfort with multi‑year ups and downs matters more than in a truly mixed-asset portfolio.

Sectors Info

  • Technology
    28%
  • Financials
    13%
  • Health Care
    11%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Consumer Staples
    8%
  • Energy
    6%
  • Utilities
    3%
  • Basic Materials
    2%
  • Real Estate
    1%
  • Consumer Discretionary
    1%

Sector exposure is dominated by technology at 28%, with meaningful allocations to financials, health care, industrials, and various consumer areas. This looks broadly similar to major US benchmarks, but the tech share plus NASDAQ 100 slice does tilt things further toward growth-oriented, rate-sensitive companies. Tech-heavy allocations tend to shine in low-rate, innovation-driven environments but can be hit harder when interest rates rise or sentiment flips against growth. The good news is that exposure to more defensive areas like consumer staples, energy, and utilities is present, even if smaller. That mix helps balance the ride but doesn’t remove the tech-driven character of returns.

Regions Info

  • North America
    99%
  • Europe Developed
    1%

Geographically, the portfolio is almost entirely concentrated in North America at 99%, with only a token 1% in developed Europe. This is even more US‑focused than the global equity market, where the US is big but not nearly 99%. The benefit is alignment with the US economy and currency, which have been strong in recent years. The flip side is missing potential diversification from other regions that may lead or lag at different times. If the US underperforms global markets for a stretch, this portfolio will likely feel that more sharply than a more internationally diversified mix would.

Market capitalization Info

  • Large-cap
    41%
  • Mega-cap
    34%
  • Mid-cap
    19%
  • Small-cap
    4%
  • Micro-cap
    1%

By market cap, the portfolio tilts clearly toward the largest companies: mega-cap and large-cap together make up about 75%, with smaller slices in mid, small, and micro caps. This is very much in line with mainstream index design, where the biggest firms dominate. Large and mega-caps tend to be more stable, established businesses with deeper liquidity, which can soften some volatility versus a small-cap-heavy approach. The trade-off is less exposure to the potentially higher growth (and higher risk) of smaller companies. Overall, this is a classic, size-balanced structure consistent with broad US market investing rather than a niche small-cap or speculative tilt.

True holdings Info

  • NVIDIA Corporation
    4.23%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    3.91%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    3.29%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard High Dividend Yield Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    2.91%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    2.07%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    1.81%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    1.46%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    1.45%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    1.21%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • JPMorgan Chase & Co
    0.92%
    Part of fund(s):
    • Vanguard High Dividend Yield Index Fund ETF Shares
  • Top 10 total 23.27%

Looking through the top ETF holdings, the portfolio leans heavily into the biggest US names: Nvidia, Apple, Broadcom, Microsoft, Amazon, Alphabet, Meta, Tesla, and JPMorgan are all meaningful exposures. These positions appear across several funds, so their combined impact is larger than any single ETF suggests. For example, Nvidia and Apple together already account for over 8% of the portfolio within the partial coverage we see, and true overlap is likely higher because only ETF top-10 lists are used. This kind of hidden concentration is normal in US index strategies, but it does mean portfolio outcomes are tied closely to how a small group of mega-caps performs.

Factors Info

Value
Preference for undervalued stocks
High
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 shows a notable tilt toward value at 61%, while size, momentum, quality, yield, and low volatility all sit around neutral, close to market-like. Factors are traits like “cheap vs. expensive” or “steady vs. volatile” that research has linked to long-term return patterns. A mild value tilt means the portfolio leans slightly more toward companies with lower valuations relative to fundamentals than the broad market. This can help if value stocks outperform after a period when growth and mega-cap tech have led. Because other factor scores are neutral, the portfolio behaves mostly like the broad market with just a gentle nudge toward value characteristics.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 27.79%
    30.3%
  • Vanguard S&P 500 ETF
    Weight: 27.75%
    29.2%
  • Vanguard High Dividend Yield Index Fund ETF Shares
    Weight: 27.32%
    22.7%
  • Invesco NASDAQ 100 ETF
    Weight: 5.60%
    7.1%
  • Fidelity 500 Index Fund
    Weight: 5.19%
    5.5%
  • Top 5 risk contribution 94.9%

Risk contribution shows how much each holding adds to overall volatility, which can differ from its weight. The three big core ETFs together are about 83% of the portfolio but contribute over 82% of total risk, so risk and weight are fairly aligned for them. The NASDAQ 100 slice is only 5.6% by weight but contributes 7.1% of risk, with a risk/weight ratio of 1.27, reflecting its higher volatility. This is still a modest portion overall, but it punches above its weight in driving swings. If the goal is smoother behavior, trimming high risk/weight positions is one of the simplest levers, even without changing the actual holdings themselves.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Fidelity 500 Index Fund
    Vanguard S&P 500 ETF
    High correlation

The correlation data shows that the S&P 500 ETF, Fidelity 500 Index Fund, and total US market ETF move almost identically. Correlation measures how often assets move together; when it’s very high, holding multiple versions of the same exposure doesn’t add much diversification. In practice, these funds are giving nearly the same ride, just via slightly different wrappers. That’s not “bad” — it keeps the portfolio tightly aligned with the US market — but it explains the low diversification score despite several tickers. Consolidating highly correlated holdings can simplify the structure without meaningfully changing the risk/return profile.

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 vs. return chart, the current portfolio shows a Sharpe ratio of 0.69, while the optimal mix of the same holdings reaches 0.98 with slightly higher return and lower risk. The Sharpe ratio is a way of measuring return per unit of risk, adjusted for a risk-free rate like cash. The minimum variance portfolio also has a very strong Sharpe and only slightly lower expected return. Since the current allocation is already on or very near the efficient frontier, the existing weights are doing a solid job. Any further optimization would mostly be fine‑tuning rather than fixing a big structural issue.

Dividends Info

  • Fidelity 500 Index Fund 0.90%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.40%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard High Dividend Yield Index Fund ETF Shares 2.30%
  • Weighted yield (per year) 1.53%

The overall dividend yield sits around 1.53%, boosted by the high dividend and dividend equity funds, which yield notably more than the broad market pieces. Dividend yield is the yearly cash payout as a percentage of the investment value and can feel like a “paycheck” from the portfolio. Here, income is a meaningful but not dominant feature; the yield is higher than a pure growth portfolio but lower than a dedicated income strategy. That balance works well for investors who appreciate some cash flow but still care primarily about total return. Just remember dividends are not guaranteed and can be cut in tougher economic conditions.

Ongoing product costs Info

  • Fidelity 500 Index Fund 0.02%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard High Dividend Yield Index Fund ETF Shares 0.06%
  • Weighted costs total (per year) 0.05%

Total ongoing costs are impressively low at about 0.05% per year, thanks to a lineup of very cheap index funds and ETFs. The Total Expense Ratio (TER) is the annual fee charged by the fund, and keeping it low means less drag on returns every single year. Over long horizons, even small fee differences compound into real money. This cost level is significantly better than many actively managed or higher-fee products tracking similar indexes. It’s a genuine strength of the portfolio: the structure is doing exactly what low-cost indexing should do, which supports better net outcomes without needing to “beat” the market through active bets.

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