Tech-chasing US-heavy index salad pretending to be diversified and calling it a balanced portfolio
Report created on May 23, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 35.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 30.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 25.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 10.00%
This portfolio is basically three giant stock-market firehoses plus a small dividend sidecar, all pointed at the same wall. Total US market, NASDAQ 100, and total international look diversified on paper, but two of them are mostly the same US giants in different costumes. The “balanced” label is cute given the 100% equity allocation and big growth tilt. Structurally, this is a growth-heavy equity engine with a token income garnish stapled on. It behaves less like a carefully built portfolio and more like someone kept adding broad ETFs whenever they felt FOMO. The result is redundancy dressed up as diversification: lots of line items, not a lot of genuinely different drivers.
Growth
Historically, this thing did what a tech-flavored index mashup should: it sprinted. Turning $1,000 into $2,204 with a 15.18% CAGR is nothing to complain about. But the US market still edged it out, so all that NASDAQ spice didn’t actually beat a boring total US fund. Max drawdown of -27.5% was deeper and slower to recover than the US benchmark, so the extra pain didn’t even buy extra gain. That “26 days make up 90% of returns” stat screams feast-or-famine: miss a few big days and the party’s over. As usual, past performance is yesterday’s weather report – useful, not prophetic.
Projection
The Monte Carlo projection basically says, “Yeah, this might work out, but don’t get cocky.” Monte Carlo just runs thousands of what-if scenarios using past-like volatility and returns; it’s financial Groundhog Day with spreadsheets. Median outcome of $2,767 in 15 years is nice, but the p5 result of $979 is a polite way of saying “you could go nowhere for 15 years.” The wide range up to $7,397 shows the upside lottery ticket, but those odds come with real downside swings. Simulations recycle history with randomness, not clairvoyance, so this is more a weather range than a forecast.
Asset classes
- Stocks 100%
Asset classes here are refreshingly simple and slightly reckless: 100% stocks, 0% everything else. For something labeled “balanced,” this is more “all-gas no-brakes” than middle-of-the-road. In asset-class terms, the portfolio chose the roller coaster and skipped the kiddie rides entirely. That’s fine if the only goal is long-term growth, but it means every shock goes straight to the account balance with no bonds, cash, or diversifiers to cushion hits. It’s like building a car out of only engine and no chassis – very fast, not exactly forgiving when the road turns ugly.
Sectors
- Technology 35%
- Financials 11%
- Telecommunications 10%
- Consumer Discretionary 10%
- Industrials 9%
- Health Care 8%
- Consumer Staples 7%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 1%
Sector-wise, this is a tech-led democracy with everyone else invited mostly as decoration. Technology at 35% is a full-blown addiction, especially when telecommunication and bits of consumer discretionary quietly hide more tech-like exposure. The rest of the sectors trail behind in single digits, doing their best impression of background extras in a movie about semiconductors and cloud services. Compared with broad indexes, the tech tilt is juiced enough that sector balance is more theory than reality. When tech wins, this thing looks genius; when tech sulks, the portfolio sulks harder. That’s not diversification, that’s picking a favorite child.
Regions
- North America 76%
- Europe Developed 9%
- Asia Developed 4%
- Japan 4%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, this is “USA plus some postcards.” North America at 76% dominates, and the rest of the world is sprinkled in like seasoning instead of real allocation. Europe, Japan, and emerging markets are all nibble-sized, just enough to say “international” with a straight face. For something using a total international ETF, the overall portfolio still screams “home bias,” basically betting that the US remains the main character forever. If non-US markets have a strong run while the US treads water, this structure will politely under-participate. It’s global-ish, not truly global.
Market capitalization
- Mega-cap 42%
- Large-cap 36%
- Mid-cap 16%
- Small-cap 3%
- Micro-cap 1%
The market cap breakdown is a love letter to giants: 42% mega-cap and 36% large-cap, with mid, small, and micro caps tossed in as token cameos. This is the opposite of adventurous – it hugs the biggest names that already dominate headlines and indexes. That kind of size tilt means the portfolio’s personality is dictated by a few massive companies, while smaller firms barely move the needle. It’s stable in the sense that giants don’t vanish overnight, but it also leans heavily on whatever mood the mega-caps wake up in. Real diversification by company size is more aspiration than reality here.
True holdings
-
NV NVIDIA Corporation 5.01%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 4.19%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.09%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.71%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.28%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.99%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.95%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.56%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 1.05%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.96%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 24.80%
The look-through holdings reveal what’s really going on: this portfolio is absolutely obsessed with the usual mega-cap suspects. NVIDIA, Apple, Microsoft, Amazon, and both Alphabet share classes together already eat up close to 20% of the portfolio from just the reported top-10 slices. And that’s with only one-third of total holdings even visible in the data, so the true overlap is almost certainly higher. Stacking overlapping ETFs like total market plus NASDAQ 100 is basically saying, “I want the same names twice, just in different wrappers.” The headline diversification hides a classic concentration-in-disguise problem.
Factors
Factor-wise, this portfolio is shockingly… normal. All six factors – value, size, momentum, quality, yield, low volatility – sit in that boring “neutral” zone. Factor exposure is basically the ingredient label for what really drives returns, and here the label reads “generic market mix.” For a tech-tilted, US-heavy portfolio, the underlying factor profile looks almost accidental: not leaning hard into growth, value, safety, or yield. That means the drama is coming more from sector and geography choices than from clever factor tilts. Oddly balanced ingredients baked into a not-so-balanced recipe.
Risk contribution
-
Invesco NASDAQ 100 ETF
Weight: 30.00% 37.5% -
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 35.00% 35.2% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 25.00% 20.7% -
Schwab U.S. Dividend Equity ETF
Weight: 10.00% 6.6%
Risk contribution exposes who’s actually steering the ship, and spoiler: the NASDAQ 100 ETF is driving like it owns the place. At 30% weight but 37.5% of total risk, it’s clearly the portfolio’s drama queen. Total US stocks pull their fair share, while international and the dividend ETF show up as calmer, underweight risk contributors. Top three positions generating over 93% of total risk means the rest of the portfolio is mostly along for the ride. The headline mix looks diversified, but in risk terms this is a three-fund show with one clearly hogging the spotlight.
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 chart quietly roasts the portfolio: it sits about 1 percentage point below what could be achieved with the same ingredients but smarter proportions. A Sharpe ratio of 0.69 versus 0.95 for the optimal mix means this setup is taking more bumpiness than necessary for the payoff it’s getting. Sharpe is just risk-adjusted return – how much return per unit of pain. Being below the frontier is like running with ankle weights for no reason; the holdings are fine, the weighting is just inefficient. Even the minimum-variance version looks calmer and more effective on a per-risk basis.
Dividends
- Invesco NASDAQ 100 ETF 0.40%
- Schwab U.S. Dividend Equity ETF 3.30%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.48%
The total yield of 1.48% is proof this portfolio clearly did not show up for the dividend party. Three of the four funds throw off token income, and only the 10% dividend ETF is trying to pretend it’s an actual paycheck. Most of the expected payoff here lives in price growth, not cash flow. That’s fine as long as growth shows up, but it means there’s little built-in cushion from income during rough patches. Labeling this structure as anything “income-aware” would be generous; it’s more of a low-yield growth engine with a small dividend consolation prize attached.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- Schwab U.S. Dividend Equity ETF 0.06%
- 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) 0.07%
Costs are the one area where this portfolio nails it, almost suspiciously well. A blended TER of 0.07% is so low it’s basically paying pocket change for full-market exposure and a NASDAQ turbocharger. This is textbook “indexing done right” from a fee perspective – no overpriced active manager quietly eating returns in the background. It still doesn’t fix the overlap, the home bias, or the tech tilt, but at least those choices are being made cheaply. Think of it as flying economy but somehow getting a free snack; not glamorous, but absolutely efficient.
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