Broad global index mix with strong US tilt and low costs supporting efficient risk balanced growth
Report created on Apr 28, 2026Risk profile
4/7
Diversification profile
4/5
Positions
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VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 60.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 25.00% -
BN Vanguard Total Bond Market Index Fund ETF Shares
BND - US9219378356 15.00%
This portfolio is a simple three‑fund mix built around broad index trackers. Around 60% sits in a total US stock market ETF, 25% in a total international stock ETF, and 15% in a total bond market ETF. That means most of the risk and growth potential comes from stocks, with bonds acting as a cushion. A structure like this is easy to understand because each fund covers a whole market rather than a narrow niche. The “balanced” label here reflects the blend of growth assets and stabilizers, not a 50/50 split. Overall, it’s a straightforward, rules‑based setup that behaves much like a diversified global stock portfolio with a modest bond buffer.
Growth
Over the last decade, turning $1,000 into $3,099 translates to a 12.03% compound annual growth rate (CAGR). CAGR is like your average speed on a long road trip, smoothing out bumps along the way. This lagged the US market benchmark but came very close to the global market, with slightly lower drawdowns than both during stress. The worst drop was about -31% in early 2020, recovering within roughly five months, which is fairly resilient for an 85% stock mix. The fact that 90% of returns came from just 33 days highlights how a few strong days drive long‑term results and why missing them can matter. As always, past performance doesn’t guarantee future outcomes.
Projection
The Monte Carlo projection uses the portfolio’s historical ups and downs to create 1,000 possible 15‑year futures. Think of it as rolling the dice many times using past volatility and returns as a guide. The median outcome turns $1,000 into about $2,627, with a wide “likely” middle range from roughly $1,813 to $3,731. Extreme but still plausible paths stretch from about $1,121 to $6,827. The average simulated annual return of 7.52% is lower than the backward‑looking 12.03% CAGR, which builds in a more conservative outlook. These numbers are not promises; they just show a spectrum of potential paths if markets behave roughly like they have historically.
Asset classes
- Stocks 85%
- Bonds 15%
By asset class, the portfolio holds 85% in stocks and 15% in bonds. That puts it firmly in the growth‑oriented camp, with bonds playing a supporting role rather than dominating. Stocks are the main engine for long‑term returns but also bring most of the volatility; bonds usually act like shock absorbers during equity sell‑offs. Compared to many “balanced” mixes that sit closer to 60/40, this one leans more heavily into equities, which can mean larger swings along the way. The bond slice is still meaningful enough to smooth some turbulence and provide income, but it won’t completely offset big stock market moves.
Sectors
- Technology 23%
- Financials 13%
- Industrials 10%
- Consumer Discretionary 8%
- Health Care 8%
- Telecommunications 7%
- Consumer Staples 4%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Sector‑wise, the portfolio is led by technology at 23%, followed by financials (13%), industrials (10%), and consumer areas and health care in the high single digits. Smaller allocations span telecoms, staples, energy, materials, utilities, and real estate. This layout looks similar to broad global indices, meaning no single niche dominates the entire portfolio. A tech‑heavy market environment can boost returns when growth and innovation stocks are rewarded, but it also tends to be more sensitive to interest rate changes and sentiment shifts. The presence of more defensive sectors like utilities, staples, and health care provides some balance, helping to cushion periods when more cyclical areas are under pressure.
Regions
- North America 62%
- Europe Developed 9%
- Japan 4%
- Asia Developed 4%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- 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 Europe, Japan, other developed Asia, emerging Asia, Australasia, Latin America, and Africa/Middle East. This is a noticeable US tilt relative to many global market‑cap benchmarks, which typically have a somewhat lower US share. That tilt has historically helped over the last decade, since US stocks outperformed much of the world, but it also concentrates economic and currency risk in one region. The non‑US allocation still brings in different growth drivers, political systems, and business cycles, which can improve diversification when other parts of the world behave differently from North American markets.
Market capitalization
- Mega-cap 36%
- Large-cap 26%
- Mid-cap 16%
- Small-cap 5%
- Micro-cap 1%
This breakdown covers the equity portion of your portfolio only.
By market capitalization, the portfolio leans toward larger companies: 36% mega‑cap, 26% large‑cap, 16% mid‑cap, with smaller slices in small‑cap and micro‑cap. This pattern mirrors broad stock indices, which are naturally dominated by the biggest listed firms. Large and mega‑caps often provide more stability, established business models, and liquidity, while mid and small‑caps can add extra growth potential but with bumpier rides. Having exposure across the full spectrum means the portfolio participates in both mature and up‑and‑coming companies. However, the bulk of the influence still comes from the largest names, which can steer overall performance more than their share count might suggest.
True holdings
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NV NVIDIA Corporation 3.84%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 3.55%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.62%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.92%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.60%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.40%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.27%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.19%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.00%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.86%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 19.25%
This breakdown covers the equity portion of your portfolio only.
Looking through to the top holdings inside the ETFs, the largest underlying positions include NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Taiwan Semiconductor. Together, these big names account for a meaningful share of the equity slice, and some appear in multiple funds, creating overlap. Because we only see ETF top‑10 lists, total overlap is likely higher than shown. This kind of concentration in a handful of global giants is typical of cap‑weighted index funds today. It means the portfolio’s short‑term behavior can be heavily influenced by how large technology and growth‑oriented companies perform, even though thousands of smaller holdings sit behind them.
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 exposures are broadly neutral across the board: value, size, momentum, quality, yield, and low volatility all sit in the market‑like 40–60% range. Factors are characteristics like “cheap vs. expensive” (value) or “steady vs. jumpy” (low volatility) that research links to long‑term return patterns. A neutral profile like this suggests the portfolio isn’t deliberately tilting toward or away from any particular style; it mostly reflects the broad market’s mix. In practice, that means performance should broadly track mainstream indices rather than behaving like a niche value, growth, or low‑volatility strategy. This balanced factor setup is consistent with holding total market index funds as core building blocks.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 60.00% 72.4% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 25.00% 26.4% -
Vanguard Total Bond Market Index Fund ETF Shares
Weight: 15.00% 1.2%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the US stock ETF is 60% of assets but contributes about 72% of total risk. The international stock ETF is 25% of assets and about 26% of risk. The bond ETF, at 15% of the portfolio, adds only around 1% of risk, reflecting its much lower volatility. So, almost all day‑to‑day movement is effectively coming from the two equity funds, especially the US one. This is typical: bonds take up space in the allocation but very little in the risk budget, which is why even a modest bond slice can noticeably dampen volatility.
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 this portfolio sits on or very close to the frontier, meaning that for its current holdings, the risk/return trade‑off is already efficient. The Sharpe ratio—a measure of return per unit of risk—comes in at 0.53 for the existing mix, compared with 0.78 for the theoretical “optimal” blend and 0.26 for the lowest‑risk mix. Being on the frontier indicates the current weights use these three funds in a sensible way, given the chosen risk level. Any meaningful shift along the curve would involve accepting either more risk for potential extra return or less risk with materially lower expected returns, not simply a free lunch.
Dividends
- Vanguard Total Bond Market Index Fund ETF Shares 3.90%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.94%
The portfolio’s overall yield is about 1.94%, combining roughly 1.10% from US stocks, 2.80% from international stocks, and 3.90% from bonds. Dividend yield is the annual cash income relative to the investment value, like rent as a percentage of a property’s price. Here, most of the income comes from bonds and international equities, which generally pay more than US growth stocks. While the yield is modest, it still contributes a portion of total return alongside price gains. For a growth‑tilted, equity‑heavy mix, this level of income is fairly typical and reflects the balance between higher‑yielding holdings and large, reinvestment‑focused companies.
Ongoing product costs
- Vanguard Total Bond Market Index Fund ETF Shares 0.03%
- 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) 0.04%
Costs are impressively low, with expense ratios of 0.03% for the US and bond ETFs and 0.05% for the international ETF, giving a blended total of about 0.04% per year. The total expense ratio (TER) is the annual fee charged by the funds, similar to a small service fee on the account. At this level, costs barely nibble at returns, especially compared to many active or niche strategies that charge several times more. Over long periods, low fees help more of the portfolio’s gross performance show up in your net results. This cost profile is a genuine strength and a solid foundation for long‑term compounding.
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