Mostly single fund portfolio with strong diversification and balanced stock bond mix for long term growth
Report created on May 19, 2026Risk profile
4/7
Diversification profile
4/5
Positions
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VL VANGUARD TARGET RETIREMENT 2065 FUND INVESTOR SHARES
VLXVX - US92202E6804 97.71% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 0.76% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 0.55% -
VW Vanguard FTSE Emerging Markets Index Fund ETF Shares
VWO - US9220428588 0.53% -
JO Joby Aviation
JOBY - KYG651631007 0.43% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 0.02%
This portfolio is dominated by a single holding: a Vanguard Target Retirement 2065 fund at almost 98% of assets. Around it sit a handful of small satellite positions in international stocks, emerging markets, technology, a broad US stock ETF, and one individual stock, Joby Aviation. Structurally, it’s essentially a “one-fund” core with a few tiny tilts. This kind of setup keeps decision-making simple because most allocation choices (stock/bond mix, regional spread, and rebalancing) are handled inside the main fund. The satellites are currently too small to change the overall profile dramatically, so the big story here is how that target-date fund behaves over time.
Growth
Over the period shown, $1,000 grew to about $1,885, which translates to a 12.22% compound annual growth rate (CAGR). CAGR is like your average speed on a road trip, smoothing out bumps along the way. The portfolio lagged both the US market (16.13% CAGR) and the global market (13.68% CAGR) but with a max drawdown of -25.38%, which is broadly in line with those benchmarks. The drawdown took about 11 months to hit bottom and 16 months to fully recover, illustrating how patience matters after big drops. Only 24 days made up 90% of returns, showing that missing a handful of strong days could have shaped results very differently. Past performance, of course, doesn’t guarantee future returns.
Projection
The Monte Carlo projection uses many random “what if” paths based on past volatility and returns to estimate future ranges. Think of it as rolling the dice 1,000 times on how markets could behave over the next 15 years. The median outcome turns $1,000 into about $2,753, implying an annualized 7.62% return across all simulations. The central “likely” range runs from roughly $1,855 to $3,895, while the broader possible range is much wider. Around three-quarters of simulations end with a positive result. These numbers are not promises; they simply show how this mix might behave if future patterns rhyme with history, and they can’t capture big structural shifts or rare events very well.
Asset classes
- Stocks 90%
- Bonds 10%
The portfolio sits at roughly 90% stocks and 10% bonds, which is a growth-tilted, but not all‑equity, allocation. Stocks are generally the main drivers of long-term returns but also the main source of big swings. Bonds, even at 10%, can help cushion some of the impact when stocks fall, because they often behave differently in stress periods. This stock/bond blend lines up with what many consider a growth‑oriented but still somewhat risk‑tempered profile. Most of this mix is embedded within the target retirement fund, which automatically shifts more into bonds as the 2065 date approaches, gradually dialing down risk over decades without needing ongoing manual changes.
Sectors
- Technology 25%
- Financials 16%
- Industrials 13%
- Consumer Discretionary 9%
- Health Care 9%
- Telecommunications 8%
- Consumer Staples 5%
- Energy 5%
- Basic Materials 4%
- Utilities 3%
- Real Estate 3%
This breakdown covers the equity portion of your portfolio only.
Sector-wise, the portfolio is broad: technology is the largest slice at 25%, followed by financials, industrials, consumer sectors, health care, telecom, energy, materials, utilities, and real estate. This pattern looks quite similar to many broad global equity benchmarks, which is a positive sign for diversification. The additional dedicated technology ETF slightly reinforces the tech exposure, but given its tiny weight, it doesn’t radically tilt the overall sector mix. Tech-heavy allocations can be more sensitive to interest rate shifts and innovation cycles, while areas like consumer staples or utilities tend to be steadier. The current balance spreads risk across economically different parts of the market rather than leaning heavily on a single theme.
Regions
- North America 62%
- Europe Developed 15%
- Japan 6%
- Asia Developed 6%
- Asia Emerging 6%
- Australasia 2%
- Africa/Middle East 2%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, about 62% of the equity exposure is in North America, with the rest spread across developed Europe, Japan, other developed Asia, emerging Asia, Australasia, Africa/Middle East, and Latin America. This pattern is broadly in line with global market weights, which are naturally dominated by the US but still include meaningful international representation. That alignment is beneficial: it reduces reliance on just one economy, currency, or political system while still reflecting the actual size of major markets. The additional international and emerging markets ETFs slightly reinforce non‑US exposure, again in modest amounts. Overall, the geographic mix looks like a globally diversified, market‑like footprint rather than a narrow regional bet.
Market capitalization
- Mega-cap 38%
- Large-cap 28%
- Mid-cap 16%
- Small-cap 5%
- Micro-cap 1%
This breakdown covers the equity portion of your portfolio only.
By market capitalization, the portfolio tilts toward larger companies: 38% in mega‑caps, 28% in large‑caps, then 16% mid‑caps, 5% small‑caps, and a small 1% micro‑cap slice. This mirrors how most broad stock indices are constructed, with the biggest companies taking up more space. Larger firms often bring more stability and liquidity, while mid and small‑caps can add growth potential and higher volatility. The presence of all size buckets is a good sign for diversification; no single size segment dominates completely. Because most exposure runs through broad index-style funds, the size mix remains close to the overall market, avoiding extreme bets on either tiny speculative names or only the largest global giants.
True holdings
-
-
NV NVIDIA Corporation 0.10%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.10%
Part of fund(s):- Vanguard FTSE Emerging Markets Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
-
AA Apple Inc 0.08%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 0.06%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 0.03%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
07 Tencent Holdings Ltd 0.02%
Part of fund(s):- Vanguard FTSE Emerging Markets Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
-
99 Alibaba Group Holding Ltd 0.02%
Part of fund(s):- Vanguard FTSE Emerging Markets Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
-
MU Micron Technology Inc 0.01%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
-
AM Advanced Micro Devices Inc 0.01%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Top 10 total 0.87%
This breakdown covers the equity portion of your portfolio only.
The look‑through view focuses on overlapping top holdings across ETFs, but coverage here is only about 1% of the total portfolio, so it captures just a tiny slice. Within that slice, well-known names like NVIDIA, Taiwan Semiconductor, Apple, Microsoft, and Broadcom show up through ETF exposure. Overlap in such large global companies is very common when using broad index funds. Joby Aviation stands out as a direct single‑stock position with no ETF overlap, meaning its impact is unique. Because most of the underlying holdings of the big target retirement fund aren’t visible in this top‑10 snapshot, hidden concentration is hard to judge from this data alone; real-world overlap is almost certainly higher than shown.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
Factor exposure looks mostly market‑like: value, size, momentum, and quality are all near neutral, so there’s no major tilt toward classic style themes. Two factors stand out a bit. Yield is low at 30%, meaning the portfolio leans more toward growth and price‑return potential than high dividend income. Low volatility is relatively high at 72%, indicating a mild tilt toward stocks that historically moved less than the market. Factor investing treats these characteristics as return “ingredients”; here, the ingredients suggest a broad, diversified core with a slight preference for steadier names rather than aggressive, high‑beta plays, which can help smooth some ups and downs but won’t eliminate normal market swings.
Risk contribution
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VANGUARD TARGET RETIREMENT 2065 FUND INVESTOR SHARES
Weight: 97.71% 96.8% -
Joby Aviation
Weight: 0.43% 1.0% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 0.55% 0.9% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 0.76% 0.8% -
Vanguard FTSE Emerging Markets Index Fund ETF Shares
Weight: 0.53% 0.5% - Top 5 risk contribution 100.0%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. The target retirement fund, at about 98% of assets, contributes roughly 97% of total risk, so its risk share is very close to its size. Joby Aviation, despite being only 0.43% by weight, contributes more than 1% of risk and has a risk‑to‑weight ratio over 2, reflecting its higher volatility. The tech ETF also contributes a bit more risk than its size suggests. Overall, the top three holdings explain almost all portfolio risk. This pattern is expected for an almost single‑fund portfolio: the satellites add a bit of spice, but the core fund is what really matters day to day.
Redundant positions
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High correlationVanguard Total Stock Market Index Fund ETF SharesVANGUARD TARGET RETIREMENT 2065 FUND INVESTOR SHARES
The correlation view highlights that the target retirement fund moves almost identically to the broad US total stock market ETF in this portfolio. Correlation measures how often two assets move together; a value close to 1 means they generally go up and down at the same time. That makes sense here, because the target fund itself holds a large share of US equities that resemble the total market. This also means the tiny position in the separate total market ETF doesn’t add meaningful diversification — it behaves very similarly to what’s already inside the main fund. In contrast, the other small satellite funds and the single stock likely bring somewhat different patterns, though their weights are too small to change the big picture much.
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 portfolio sits right on or very close to the efficient frontier. The efficient frontier represents the best possible trade-off between expected return and volatility using just the existing holdings in different mixes. The current Sharpe ratio, which measures return per unit of risk above a cash rate, is 0.61. The minimum variance and optimal portfolios have higher Sharpe ratios in theory, but the frontier analysis confirms this allocation is already efficient for its chosen risk level. In plain terms, for how much risk it’s taking, this mix is making good use of its ingredients without leaving obvious low‑hanging improvements purely from reweighting the same holdings.
Dividends
- Vanguard Information Technology Index Fund ETF Shares 0.30%
- VANGUARD TARGET RETIREMENT 2065 FUND INVESTOR SHARES 1.80%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.50%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.79%
The blended dividend yield is about 1.79%, with individual holdings ranging from around 0.30% to 2.70%. A yield near this level suggests most of the expected payoff is intended to come from price growth rather than income. That’s consistent with a long‑dated target retirement fund, which usually holds a stock‑heavy mix aimed at capital appreciation. Dividends can still matter over time because they provide a steady stream of cash distributions that can be reinvested, quietly boosting compounding in the background. Compared with more income‑oriented portfolios, this setup trades higher current payouts for a focus on long‑term growth potential, especially given the far-off 2065 target date.
Ongoing product costs
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- VANGUARD TARGET RETIREMENT 2065 FUND INVESTOR SHARES 0.08%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.08%
Costs are an area of clear strength. The overall portfolio’s total expense ratio (TER) is about 0.08%, with individual funds ranging from 0.03% to 0.10%. TER is the annual fee charged by funds to cover management and operations, taken directly out of returns. Keeping this number low is powerful because small differences compound over decades. Here, costs look very competitive compared with typical actively managed products and align closely with best‑in‑class index fund pricing. That means more of the portfolio’s gross return is kept rather than eaten up by fees. Given the long horizon implied by a 2065 target date, this low-cost foundation is a meaningful positive for long-run compounding.
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