Broad global stock base with a concentrated bitcoin tilt and efficient risk focused structure
Report created on May 9, 2026Risk profile
5/7
Diversification profile
4/5
Positions
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VT Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 85.00% -
IB iShares Bitcoin Trust
IBIT - US46438F1012 15.00%
This portfolio is very simple: about 85% sits in a single global stock ETF and 15% in a bitcoin trust. So almost everything rides on two positions, with most risk and return coming from total world equities plus an extra layer from bitcoin. A structure like this is easy to follow because you always know what’s driving performance. The flip side is that any big moves in either holding will show up clearly in the total portfolio. Overall, it behaves like a globally diversified stock portfolio that has been dialed up a notch in volatility by the dedicated bitcoin slice.
Growth
Over the measured period, $1,000 grew to about $1,587, giving a compound annual growth rate (CAGR) of 22.14%. CAGR is like the average speed of a road trip, telling you the smoothed yearly return despite bumps along the way. This slightly beat both the US market and global market benchmarks, with similar or marginally higher drawdowns. The worst drop was about -18%, which is firmly in “growthy equity” territory. As always, this strong recent run doesn’t guarantee similar results next time; bitcoin’s influence and market conditions can shift sharply over longer horizons.
Projection
The Monte Carlo projection uses thousands of simulated paths based on historical ups and downs to explore possible 15‑year outcomes. It shows a median result of around $2,868 from $1,000, with a wide middle range between roughly $1,659 and $4,589. Think of this as a weather forecast for returns: many possible futures, not a single prediction. The very wide gap between pessimistic and optimistic scenarios (from under $1,000 to over $9,000) reflects the mix of fairly stable global stocks plus very volatile bitcoin. It underlines that long‑term results could differ a lot from the average estimate.
Asset classes
- Stocks 85%
- Crypto 15%
Asset‑class wise, this is 85% stocks and 15% crypto, with no bonds or cash‑like holdings in the mix. That puts it firmly at the growth‑oriented end of the spectrum, where day‑to‑day values can move more than in portfolios that blend in bonds. Stocks provide exposure to global business activity, while crypto introduces a very different return driver that doesn’t always move with traditional assets. The lack of ballast from bonds means drawdowns can be sharper, but there’s also more room for upside when risk assets are in favor. This is a clean, focused risk profile.
Sectors
- Technology 22%
- Crypto 15%
- Financials 14%
- Industrials 10%
- Consumer Discretionary 8%
- Health Care 8%
- Telecommunications 7%
- Consumer Staples 4%
- Energy 4%
- Basic Materials 4%
- Utilities 2%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Across sectors, the underlying equity ETF is broad, with technology the largest slice at 22%, followed by financials and industrials, plus smaller pieces across consumer, health care, and other areas. On top of this sits 15% in crypto, which doesn’t map to traditional sectors and adds its own behavior. The sector spread within the stock portion looks quite balanced and close to global benchmarks, which is helpful for diversification. The tech tilt is meaningful but not extreme for a global index. In practice, swings in tech and crypto together may drive some of the bigger portfolio moves.
Regions
- North America 54%
- Europe Developed 12%
- Japan 5%
- Asia Developed 5%
- Asia Emerging 5%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, about 54% of equity exposure is in North America, with the rest spread across Europe, Japan, developed Asia, and emerging regions. This is quite similar to global market weights, where US stocks naturally dominate because they make up a large share of world market value. That alignment with broad benchmarks is a plus: it means the portfolio participates in growth across many economies instead of betting heavily on one smaller region. While events in North America will still matter most, the footprint across Europe, Asia, and emerging markets helps smooth country‑specific shocks over time.
Market capitalization
- Mega-cap 36%
- Large-cap 27%
- Mid-cap 16%
- Small-cap 4%
- Micro-cap 1%
This breakdown covers the equity portion of your portfolio only.
By market capitalization, the equity fund leans strongly toward mega‑ and large‑cap companies, which together make up over 60% of exposure, with smaller amounts in mid‑, small‑, and micro‑caps. This is typical for a global index, where the biggest firms naturally dominate. Larger companies tend to have more stable earnings and better access to capital markets, which can moderate volatility compared with a small‑cap heavy approach. The presence of mid and smaller names still adds some growth potential and diversification. Bitcoin again sits outside this market‑cap lens, behaving more like a high‑beta satellite around the large‑cap core.
True holdings
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BT Grayscale Bitcoin Mini Trust (BTC) 15.00%
Part of fund(s):- iShares Bitcoin Trust
-
NV NVIDIA Corporation 3.36%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
AA Apple Inc 3.01%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
MS Microsoft Corporation 2.25%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
AM Amazon.com Inc 1.64%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.38%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
AV Broadcom Inc 1.17%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.16%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.11%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.03%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
- Top 10 total 31.11%
This breakdown covers the equity portion of your portfolio only.
Looking through the ETF’s top holdings, familiar mega‑cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Meta appear, with individual exposures around 1–3%. These are spread across the portfolio via the global fund, without any one stock dominating overall risk. The only truly chunky single exposure is bitcoin itself at 15%, visible both in the dedicated trust and indirectly in a mini trust position. Because only ETF top‑10 holdings are captured, some overlap is likely understated. Still, this view shows most concentration risk comes from the crypto position, not from repeated exposure to one stock.
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 is mostly neutral across value, size, momentum, quality, and yield, meaning it behaves like a broad market index on those dimensions. Factor exposure describes how much the portfolio leans into characteristics that research links to returns, like cheap stocks (value) or steady companies (quality). The one notable tilt is toward low volatility at 64%, indicating a mild preference for historically steadier equities. That tilt likely comes from the diversified global stock ETF and can help smooth equity swings a bit. However, the separate bitcoin allocation re‑introduces high volatility at the total portfolio level.
Risk contribution
-
Vanguard Total World Stock Index Fund ETF Shares
Weight: 85.00% 67.2% -
iShares Bitcoin Trust
Weight: 15.00% 32.8%
Risk contribution shows how much each holding drives overall ups and downs, which can differ from its simple weight. Here, the global stock ETF is 85% of the capital but only about 67% of total risk, reflecting its relatively diversified, moderate volatility. The 15% bitcoin position contributes nearly one‑third of the total risk, more than double its weight on a risk‑per‑dollar basis. This pattern is typical for volatile assets: even a modest allocation can dominate movement. It underlines that decisions about this relatively small slice have an outsized effect on total portfolio behavior.
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 shows the current mix is on or very close to the best risk‑return trade‑off achievable with these two holdings. The Sharpe ratio, which measures return earned per unit of risk above the risk‑free rate, is 1.09 for the current portfolio and 1.32 for the optimal and minimum‑variance mixes. The key takeaway is that, given just these two building blocks, the portfolio is already using them in a way that’s broadly efficient. Any big change in the risk/return profile would come more from altering the building blocks themselves than from re‑weighting tweaks.
Dividends
- Vanguard Total World Stock Index Fund ETF Shares 1.60%
- Weighted yield (per year) 1.36%
The overall dividend yield is around 1.36%, coming entirely from the global stock ETF, which yields about 1.60%. Dividend yield is the annual cash paid out relative to price, and it can be a meaningful part of total return over long periods, especially when reinvested. In this portfolio, the focus is clearly on capital growth rather than income, since crypto doesn’t distribute dividends and the equity yield is modest. That’s typical of broad global equity exposures tilted toward large growth companies. Income is present but secondary to price appreciation in driving long‑term outcomes here.
Ongoing product costs
- iShares Bitcoin Trust 0.12%
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- Weighted costs total (per year) 0.08%
Costs are impressively low, with a blended total expense ratio (TER) of about 0.08% per year. TER is the annual fee charged by funds to cover management and administration, and small differences compound meaningfully over decades. Here, the global stock ETF charges 0.07% and the bitcoin trust 0.12%, both on the lower side for their categories. This cost profile is well‑aligned with best practices and supports better long‑term performance by leaving more of the gross return in the portfolio. With such lean fees, most of the drag on returns will come from market volatility, not fund expenses.
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