A broadly diversified stock heavy portfolio with strong growth tilt and very low ongoing costs

Report created on Jan 16, 2026

Risk profile Info

4/7
Balanced
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Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is simple and very equity heavy: roughly 70% in a broad US large‑cap fund, 15% in a US growth‑tilted fund, and 15% in an international stock fund, with essentially no bonds or cash. For a profile labeled “balanced,” that’s notably more aggressive than many blended stock‑bond mixes. This matters because pure stock portfolios can swing a lot in the short term, even when they work well over decades. Keeping the core broad fund as the anchor is a strong choice. If stability is important, gradually layering in a small slice of lower‑volatility assets could help smooth the ride without changing the overall philosophy too much.

Growth Info

Historically, this mix has delivered a very strong compound annual growth rate (CAGR) of about 15.5%. CAGR is like your average speed on a long road trip: it tells you the smoothed yearly gain from start to finish. A hypothetical $10,000 invested and compounding at that rate for 10 years would grow to around $42,000, far outpacing many blended portfolios that include bonds. However, this came with a maximum drawdown of about –26%, meaning at one point the portfolio dropped roughly a quarter in value. That kind of drop is normal for an equity‑heavy mix but can feel scary. Past returns are no guarantee of future results, so it’s wise not to anchor expectations to that 15% number.

Projection Info

The Monte Carlo analysis, which runs 1,000 different what‑if market paths using historical patterns, shows a wide range of possible futures. In plain English, it shuffles and re‑plays return and volatility patterns to estimate outcomes. The 5th percentile ending value of about 132% suggests that in 1 out of 20 harsh scenarios, growth is modest but still positive, while the median near 587% and upper band above 800% highlight strong upside potential. Almost all simulations were positive, and the average annualized return across them was about 16.3%. These results are encouraging but still rely on past behavior of similar assets; real markets can surprise in both good and bad ways.

Asset classes Info

  • Stocks
    99%

Asset‑class exposure is almost entirely in stocks, with virtually no allocation to bonds, cash, or alternatives. This is why the portfolio’s risk score is on the higher side of “balanced,” even though diversification across many companies is strong. All‑stock portfolios usually grow faster over long periods but can be uncomfortable during market downturns or around major life events. The broad stock focus is well‑aligned with long‑term wealth building and matches many growth‑oriented benchmarks. If the goal is to stay closer to a textbook “balanced” profile, introducing even a modest slice of stabilizing assets could reduce drawdowns while still keeping the main engine of returns in equities.

Sectors Info

  • Technology
    35%
  • Financials
    12%
  • Telecommunications
    11%
  • Consumer Discretionary
    11%
  • Health Care
    9%
  • Industrials
    8%
  • Consumer Staples
    5%
  • Energy
    3%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    2%

Sector exposure is well spread, with a healthy number of industries represented, but there is a clear tilt toward technology, communication services, and consumer cyclicals. This is very similar to major US growth benchmarks and reflects how modern markets are structured, which is a positive sign of alignment. However, tech‑heavy allocations can be more sensitive when interest rates rise or when growth expectations cool, leading to bigger swings than a more defensive mix. At the same time, meaningful allocations to financials, healthcare, industrials, and defensives provide some balance. This sector mix works well for someone comfortable with a growth tilt; those wanting smoother performance could consider dialing back the more volatile growth‑oriented exposures over time.

Regions Info

  • North America
    86%
  • Europe Developed
    6%
  • Asia Emerging
    3%
  • Japan
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, the portfolio is strongly tilted toward North America, especially the US, at about 86%, with the rest spread across developed Europe, Japan, developed Asia, and small slices of emerging markets. This US‑heavy setup mirrors many common benchmarks and is a big reason performance has looked so strong in the last decade. The inclusion of a global ex‑US fund is a real strength, because it adds currency and economic diversification beyond the domestic market. Still, non‑US exposure is modest compared to some global norms. If a more balanced world footprint is a goal, gradually increasing the international slice could reduce reliance on any single country’s future performance without overcomplicating the structure.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    35%
  • Mid-cap
    17%
  • Small-cap
    1%

The market‑cap breakdown leans heavily toward mega and large companies, with almost no exposure to small or micro caps. Market capitalization simply measures company size; mega‑caps are the “giants,” and small caps are the “up‑and‑comers.” This structure closely matches major indexes and is a strength for stability and liquidity, since big companies tend to be more resilient and easier to trade. The downside is less exposure to the potentially higher long‑term growth (and risk) of smaller companies. For most investors, this large‑cap‑dominant mix is a solid default. Those who want an extra growth kicker and can handle more bumpiness might choose to add a small slice of smaller companies, while still keeping large caps as the foundation.

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 a risk‑return chart, often called the Efficient Frontier, this portfolio would sit firmly on the growthier side, with higher volatility and higher expected returns than many classic balanced mixes. The Efficient Frontier is simply the set of portfolios that get the most expected return for each level of risk using the same building blocks. Within your three current funds, slight shifts—like adjusting the split between broad US, growth‑tilted US, and international stocks—might nudge the portfolio closer to an “efficient” point for a given risk level. It’s important to remember that efficiency here is only about the trade‑off between average return and volatility, not about maximizing income, minimizing drawdowns, or matching personal cash‑flow needs.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 3.10%
  • Weighted yield (per year) 1.31%

The overall dividend yield of about 1.3% is modest, which is typical for a growth‑tilted equity portfolio. Dividend yield is the annual cash payout as a percentage of the portfolio value, like a paycheck from your investments. The US growth‑heavy component pays relatively little, while the international fund provides a higher yield, which helps lift the blended figure. This setup makes sense if the priority is total return—price appreciation plus dividends—rather than current income. For someone not relying on the portfolio for regular cash flow, this is perfectly fine and actually quite efficient. If stable income becomes more important later, shifting some weight toward higher‑yielding or more income‑oriented assets could be useful.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.05%

The total ongoing cost (TER) of roughly 0.05% is impressively low and a major strength. TER, or total expense ratio, is like a small annual service fee charged by the funds. Paying just $5 per year for every $10,000 invested is far below many actively managed options and supports better long‑term performance by keeping more returns in your pocket. This cost profile aligns very well with best practices in low‑fee investing and is comparable to or better than many benchmark portfolios. Keeping this cost advantage over decades can add up to many thousands of dollars, so preserving this low‑fee structure is absolutely worth it.

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