Globally diversified growth portfolio with a tilt to tech themes and a core bond stabilizer

Report created on Apr 26, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is built around a diversified core with some distinct thematic satellites. Roughly half of the assets sit in broad index funds covering US stocks, international stocks, and short‑term US Treasuries, each at 15%. Around a third is in focused regional ETFs and growth‑tilted stock funds, and the remainder is in more niche themes like clean energy, semiconductors, cybersecurity, future security, and silver. This mix creates a clear growth profile while still keeping a meaningful slice in government bonds. Structurally, it combines “own the market” building blocks with specific bets layered on top, which can both enhance return potential and make performance more sensitive to how those particular themes play out over time.

Growth Info

From mid‑2019 to April 2026, a $1,000 investment in this portfolio grew to about $2,429. That works out to a compound annual growth rate (CAGR) of 13.84%, meaning the value increased as if it earned 13.84% every year, smooth over the bumps. The portfolio slightly lagged the US market benchmark (15.71% CAGR) but modestly beat the global market (13.09% CAGR). The maximum drawdown was about ‑31% during early 2020, similar in depth and recovery time to the benchmarks, showing equity‑like downside. Only 24 trading days made up 90% of total returns, highlighting how a small number of strong days drove much of the long‑term outcome, which is typical for stock‑heavy portfolios.

Projection Info

The Monte Carlo projection uses past return and volatility patterns to simulate many possible 15‑year paths for a $1,000 investment. It does this by “re‑rolling the dice” on returns 1,000 times, creating a range of outcomes rather than a single forecast. The median outcome lands around $2,640, implying moderate real growth after inflation. The middle half of outcomes (25th–75th percentile) runs from roughly $1,799 to $3,645, while extreme but plausible cases stretch from about $1,103 to $6,140. Average annualized return across all simulations is 7.33%. These projections illustrate uncertainty: they’re useful for framing possibilities, but they still rest on the assumption that future market behavior broadly resembles the past.

Asset classes Info

  • Stocks
    83%
  • Bonds
    15%
  • Other
    2%

By asset class, the portfolio leans strongly into equities: 83% stocks, 15% bonds, and 2% in “other” (mainly silver). This is very much a growth‑oriented setup, with stocks as the main driver of both returns and risk. The 15% allocation to short‑term Treasuries provides a stabilizing anchor, since high‑quality government bonds often move differently from stocks, especially in stress periods. The small “other” bucket adds a commodity‑like flavor that doesn’t track typical stock or bond indexes. Compared with an all‑equity portfolio, this mix should see somewhat softer swings, but relative to a balanced stock‑bond mix, it is still clearly tilted toward higher volatility and higher long‑run return potential.

Sectors Info

  • Technology
    22%
  • Financials
    15%
  • Industrials
    11%
  • Basic Materials
    9%
  • Consumer Discretionary
    6%
  • Health Care
    5%
  • Telecommunications
    4%
  • Utilities
    3%
  • Consumer Staples
    3%
  • Energy
    3%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is broad, but there’s a clear emphasis on growth‑oriented areas. Technology is the largest slice at 22%, boosted by dedicated semiconductor and cybersecurity funds on top of tech already present in broad indexes. Financials at 15% and industrials at 11% provide more cyclical exposure, while basic materials at 9% get an extra lift from silver miners. Defensive sectors like utilities, consumer staples, and health care are present but not dominant. Compared with a typical global benchmark, this structure leans more toward tech and specific themes. That can help during innovation‑driven bull markets but may increase sensitivity to interest rate changes and sentiment shifts around growth sectors.

Regions Info

  • North America
    47%
  • Europe Developed
    11%
  • Asia Emerging
    9%
  • Australasia
    6%
  • Latin America
    4%
  • Asia Developed
    3%
  • Japan
    3%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, the portfolio is anchored in North America at 47%, but that’s a smaller home bias than many US‑centric portfolios. There’s meaningful exposure to developed Europe (11%), Australasia (6%), and developed Asia including Japan (about 6% combined), plus around 13% across emerging regions such as Asia emerging and Latin America. This alignment is reasonably close to global equity weights while adding targeted country positions in Indonesia, Ireland, Peru, and Australia. Such a spread reduces reliance on any single economy or currency. It also means returns will reflect a mix of global cycles, local policy changes, and currency moves rather than tracking only the US market’s ups and downs.

Market capitalization Info

  • Large-cap
    26%
  • Mega-cap
    25%
  • Mid-cap
    20%
  • Small-cap
    8%
  • Micro-cap
    3%

This breakdown covers the equity portion of your portfolio only.

Market capitalization exposure is well distributed: 25% in mega‑caps, 26% in large‑caps, 20% in mid‑caps, 8% in small‑caps, and 3% in micro‑caps. Mega and large companies tend to be more stable and dominate broad indexes, so this portion underpins the portfolio with market‑like behavior. Mid‑ and small‑cap positions add more company‑specific risk and often more growth potential, but also bigger swings when sentiment shifts. The presence of micro‑caps, while modest, injects an extra dose of idiosyncratic risk. Overall, this balance keeps the core anchored in big, diversified companies while still giving a meaningful role to smaller, more volatile names that can move differently from the giants.

True holdings Info

  • NVIDIA Corporation
    2.18%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Mega Cap Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • iShares Semiconductor ETF
  • Apple Inc
    1.62%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Mega Cap Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Sprott Physical Silver
    1.50%
  • Microsoft Corporation
    1.19%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Mega Cap Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    1.02%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Mega Cap Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • iShares Semiconductor ETF
  • Amazon.com Inc
    0.77%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Mega Cap Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    0.73%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Mega Cap Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Commonwealth Bank of Australia
    0.71%
    Part of fund(s):
    • iShares MSCI Australia ETF
  • BHP Group Ltd
    0.65%
    Part of fund(s):
    • iShares MSCI Australia ETF
  • Alphabet Inc Class C
    0.58%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Mega Cap Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Top 10 total 10.96%

This breakdown covers the equity portion of your portfolio only.

Looking through ETF top‑10 holdings, only about 29% of the total portfolio is covered, so overlap here is a partial snapshot. Within that slice, NVIDIA, Apple, Microsoft, Broadcom, Amazon, and Alphabet appear across multiple funds, with NVIDIA alone adding up to about 2.18% of the portfolio. This indicates some hidden concentration in large global tech leaders, even though there’s no direct single‑stock purchase. Sprott Physical Silver is the only major direct holding, at 1.5%. Because we only see top‑10 ETF constituents, overlap is likely understated, but this view still shows how big tech names quietly sit at the center of multiple index and thematic exposures.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 62%
Size
Exposure to smaller companies
Neutral
Data availability: 84%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 62%
Quality
Preference for financially healthy companies
Neutral
Data availability: 60%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 99%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

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 very balanced across the board, with all six key factors—value, size, momentum, quality, yield, and low volatility—clustered near 50%. Factor exposure describes how much a portfolio leans into characteristics that research has linked to returns, like cheaper stocks (value) or stable ones (low volatility). Here, everything is essentially “market‑like,” meaning no strong tilt toward or away from any factor. That suggests the combination of broad index funds and various satellites ends up canceling out pronounced style bets. In practice, this usually means the portfolio should behave broadly like the overall market factor mix, without the extra boom‑and‑bust that comes from big factor tilts.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 15.00%
    16.4%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 15.00%
    15.3%
  • iShares Semiconductor ETF
    Weight: 5.00%
    8.9%
  • iShares Global Clean Energy ETF
    Weight: 5.00%
    6.8%
  • iShares MSCI Australia ETF
    Weight: 5.00%
    6.5%
  • Top 5 risk contribution 53.9%

Risk contribution shows how much each position adds to the portfolio’s overall ups and downs, which can differ from its weight. The Vanguard S&P 500 and Total International Stock ETFs each weigh 15% and contribute about the same share of total risk, as expected for broad equity anchors. More interesting are some 5% positions: the iShares Semiconductor ETF contributes almost 9% of portfolio risk, with a risk‑to‑weight ratio of 1.79, while clean energy and Australia also punch above their weights. This indicates concentrated volatility in a few satellite themes. The top three holdings by risk together drive about 41% of portfolio risk, even though they don’t dominate by size.

Redundant positions Info

  • Vanguard Growth Index Fund ETF Shares
    Vanguard S&P 500 ETF
    Vanguard Mega Cap Growth Index Fund ETF Shares
    High correlation
  • Sprott Physical Silver
    iShares Silver Trust
    High correlation
  • Vanguard Small-Cap Growth Index Fund ETF Shares
    Vanguard Mid-Cap Growth Index Fund ETF Shares
    High correlation

The correlation data highlights pairs of holdings that move very similarly. Correlation measures how often assets move in the same direction; values close to 1 mean they behave almost like twins. Here, growth‑oriented US equity funds such as Vanguard Mega Cap Growth, Vanguard Growth, and the S&P 500 ETF are highly correlated, so they tend to rise and fall together. Likewise, Sprott Physical Silver and the iShares Silver Trust move almost identically, essentially acting as one silver bet. This doesn’t negate diversification across regions and sectors, but it shows that some slices, while labeled differently, may not add much extra diversification during big market moves.

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 compares the current mix with the best possible risk‑return combinations using only these holdings. The current portfolio Sharpe ratio is 0.57, a measure of return per unit of volatility adjusted for a 4% risk‑free rate. The optimal portfolio on this frontier has a Sharpe of 1.12 with much higher return and risk, while the minimum variance mix is very low risk but also low return. The current portfolio sits about 6.86 percentage points below the frontier at its risk level, meaning that, in theory, different weights among these same funds could produce a better risk‑adjusted outcome without adding new assets, even though the existing structure is already reasonably coherent.

Dividends Info

  • iShares MSCI Indonesia ETF 4.30%
  • iShares MSCI Ireland ETF 2.80%
  • iShares MSCI Peru ETF 1.40%
  • iShares MSCI Australia ETF 2.90%
  • SPDR S&P Kensho Future Security 0.20%
  • iShares Global Clean Energy ETF 1.30%
  • iShares Cybersecurity and Tech ETF 0.10%
  • Vanguard Mega Cap Growth Index Fund ETF Shares 0.30%
  • iShares MSCI Global Silver and Metals Miners ETF 1.60%
  • iShares Semiconductor ETF 0.40%
  • Vanguard Small-Cap Growth Index Fund ETF Shares 0.50%
  • Vanguard Small-Cap Value Index Fund ETF Shares 1.80%
  • Vanguard Short-Term Treasury Index Fund ETF Shares 3.90%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Mid-Cap Growth Index Fund ETF Shares 0.70%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.98%

The portfolio’s overall dividend yield is about 1.98%, combining income from both stocks and bonds. Higher‑yield ETFs include Indonesia at 4.3% and the short‑term Treasury fund around 3.9%, while many growth‑oriented and thematic funds pay very little. Dividend yield is simply the annual cash payout as a percentage of the current price; it can be a meaningful part of total return, especially in lower‑growth environments. In this setup, income plays a secondary role: the focus is more on price appreciation, with dividends providing a modest ongoing cash stream. That’s typical for growth‑tilted portfolios that lean into sectors and themes where companies reinvest profits instead of paying them out.

Ongoing product costs Info

  • iShares MSCI Indonesia ETF 0.59%
  • iShares MSCI Ireland ETF 0.50%
  • iShares MSCI Peru ETF 0.59%
  • iShares MSCI Australia ETF 0.50%
  • SPDR S&P Kensho Future Security 0.45%
  • iShares Global Clean Energy ETF 0.41%
  • iShares Cybersecurity and Tech ETF 0.47%
  • Vanguard Mega Cap Growth Index Fund ETF Shares 0.07%
  • iShares Silver Trust 0.50%
  • iShares MSCI Global Silver and Metals Miners ETF 0.39%
  • iShares Semiconductor ETF 0.35%
  • Vanguard Small-Cap Growth Index Fund ETF Shares 0.07%
  • Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard Short-Term Treasury Index Fund ETF Shares 0.04%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Mid-Cap Growth Index Fund ETF Shares 0.07%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.21%

Total ongoing costs, measured by the weighted average TER of 0.21%, are impressively low given the number of specialized ETFs. The core Vanguard index funds charge between 0.03% and 0.07%, providing a very cheap foundation. Thematic and country‑specific ETFs carry higher fees, often around 0.4–0.6%, which is normal for more niche exposures. Because they’re smaller slices of the portfolio, their impact on the overall cost remains contained. Over long periods, even tenths of a percent matter, since fees compound just like returns. Here, the cost structure is a genuine strength: it keeps more of the portfolio’s gross performance in the investor’s hands while still allowing for targeted themes.

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