Growth focused global equity portfolio with strong US tilt and balanced factor exposures

Report created on Apr 11, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

The portfolio is almost entirely in stock ETFs, with about 99% in equities and just 1% in bonds. Roughly half sits in a broad US large-cap fund, with the rest spread across developed ex-US, emerging markets, US growth, small caps, momentum, and quality-factor ETFs. This is a textbook growth-oriented mix, prioritizing capital appreciation over stability or income. A structure like this makes sense for long horizons and investors who can live with bigger swings in value. The main takeaway is that this is an equity-heavy, ETF-only setup with simple building blocks, which is great for clarity but does mean short-term volatility will be a normal part of the ride.

Growth Info

From 2016 to early 2026, $1,000 grew to about $3,453, which is a compound annual growth rate (CAGR) of 15.08%. CAGR is like your average yearly “speed” over the whole journey, smoothing out good and bad years. The portfolio’s max drawdown was about -34% during the COVID crash, very similar to the US and global markets. Against benchmarks, it slightly trailed the US market by ~1% per year but beat the global market by ~1.9% per year. That’s a solid outcome: near-US-like performance with broader diversification, and drawdowns in line with major indices, which is exactly what you’d want from a growth-tilted, diversified equity mix.

Projection Info

The Monte Carlo projection simulates many possible 15-year paths using past return and volatility patterns, then shows a distribution of outcomes. It’s like running 1,000 alternate futures to see the range of where $1,000 might land. The median outcome of about $2,799 implies an annualized return around 8%, with a 25–75% “likely” range of roughly $1,796–$4,287. There’s a roughly 74% chance of finishing positive. This is consistent with a growth-oriented stock portfolio: attractive long-run return potential, but with wide uncertainty. Remember, these simulations rely on historical behavior; they’re a guide, not a promise, and real markets can be kinder or harsher than the model assumes.

Asset classes Info

  • Stocks
    99%
  • Bonds
    1%

Across asset classes, the portfolio is extremely equity-heavy: 99% stocks and only 1% bonds. That’s very much in line with an aggressive or growth risk profile. Stocks historically deliver higher long-term returns than bonds but can fall much more sharply in downturns. The almost negligible bond slice means there’s very little natural cushion when markets drop. On the plus side, this structure maximizes exposure to the long-term upside of global businesses, which is great for multi-decade horizons. The key trade-off is comfort with deep, occasionally scary drawdowns; this setup is well aligned with growth investors but not with short-term capital protection needs.

Sectors Info

  • Technology
    30%
  • Financials
    14%
  • Industrials
    11%
  • Consumer Discretionary
    9%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector-wise, technology sits at about 30%, clearly the largest slice, followed by financials, industrials, consumer discretionary, and health care. This tech tilt is roughly in line with or slightly above many broad market benchmarks, and it reflects how much today’s indices are dominated by tech-related names. Tech-heavy allocations often do very well in periods of innovation and low interest rates, but they can be hit hard when rates rise or sentiment swings away from growth stories. The good news is that other sectors are still meaningfully represented, which helps diversification. Overall, this sector mix is modern and reasonably balanced, but it will be sensitive to the tech cycle.

Regions Info

  • North America
    74%
  • Europe Developed
    10%
  • Asia Emerging
    4%
  • Asia Developed
    4%
  • Japan
    4%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, about 74% is in North America, with modest allocations to developed Europe, Japan, developed Asia, and smaller slices in emerging regions. This is a clear tilt toward the US and its neighbors, which is normal for many investors and close to common global index weights where the US dominates. The upside: you’re heavily exposed to some of the world’s most profitable and innovative companies, and this has been rewarded over the past decade. The trade-off is that returns are strongly linked to one economy and currency. While there is non-US exposure, big moves in the US market will still largely define the portfolio’s experience.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    32%
  • Mid-cap
    18%
  • Small-cap
    5%
  • Micro-cap
    1%

By market capitalization, the portfolio leans strongly into mega- and large-cap companies (about 75% combined), with smaller but meaningful exposure to mid caps and a small slice in small and micro caps. Larger companies tend to be more stable, widely researched, and more similar to “the market” overall. Smaller companies can offer higher growth potential but usually come with bumpier rides. Here, the structure is quite close to a classic broad-market tilt with a gentle boost from small caps. That’s a healthy balance: you get the core stability and liquidity of big names, plus some exposure to the extra growth (and volatility) that smaller firms can deliver over long periods.

True holdings Info

  • NVIDIA Corporation
    5.50%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
    • iShares Core S&P 500 ETF
    • iShares MSCI USA Quality Factor ETF
  • Apple Inc
    4.24%
    Part of fund(s):
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
    • iShares Core S&P 500 ETF
    • iShares MSCI USA Quality Factor ETF
  • Microsoft Corporation
    3.17%
    Part of fund(s):
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
    • iShares Core S&P 500 ETF
    • iShares MSCI USA Quality Factor ETF
  • Broadcom Inc
    2.12%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
    • iShares Core S&P 500 ETF
  • Alphabet Inc Class A
    2.05%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
    • iShares Core S&P 500 ETF
  • Amazon.com Inc
    1.95%
    Part of fund(s):
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
    • iShares Core S&P 500 ETF
  • Alphabet Inc Class C
    1.64%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
    • iShares Core S&P 500 ETF
  • Meta Platforms Inc.
    1.51%
    Part of fund(s):
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
    • iShares Core S&P 500 ETF
    • iShares MSCI USA Quality Factor ETF
  • Tesla Inc
    1.09%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
    • iShares Core S&P 500 ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.99%
    Part of fund(s):
    • Vanguard FTSE Emerging Markets Index Fund ETF Shares
  • Top 10 total 24.24%

Looking through the ETFs, the largest underlying exposures are familiar mega-cap names like NVIDIA, Apple, Microsoft, Broadcom, Alphabet, Amazon, Meta, Tesla, and TSMC. Several of these appear in multiple ETFs, which creates “hidden” concentration even without owning any single stock directly. For example, NVIDIA at 5.5% and Apple at 4.24% are sizeable look-through positions. This overlap is partly by design in a US-heavy equity portfolio, but it does mean big tech and related giants quietly drive a lot of outcomes. The main lesson: even diversified ETFs can cluster around the same stars, so overall concentration in a handful of companies is higher than it first appears.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 99%
Size
Exposure to smaller companies
Neutral
Data availability: 99%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 99%
Quality
Preference for financially healthy companies
Neutral
Data availability: 99%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
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 value, size, momentum, quality, yield, and low volatility, all sitting essentially around “neutral.” Factor exposure is how much a portfolio leans into specific traits research has linked to returns, like cheapness (value) or recent winners (momentum). A neutral profile means the holdings behave a lot like the overall market rather than making big bets on any one style. That’s actually a strength: it avoids hidden tilts that can do very well in one regime and then sharply underperform when the environment shifts. In practice, this should feel similar to a broad global equity index, which is a solid, low-maintenance core approach.

Risk contribution Info

  • iShares Core S&P 500 ETF
    Weight: 44.03%
    45.1%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares
    Weight: 18.73%
    16.8%
  • Vanguard Russell 1000 Growth Index Fund ETF Shares
    Weight: 8.23%
    9.4%
  • Invesco S&P 500® Momentum ETF
    Weight: 8.30%
    8.7%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares
    Weight: 7.86%
    7.0%
  • Top 5 risk contribution 87.0%

Risk contribution shows how much each ETF adds to the portfolio’s overall ups and downs, which can differ from simple weight. Here, the core S&P 500 fund is 44% of the portfolio but contributes about 45% of the risk, so its influence is roughly proportional. The developed markets and emerging markets funds each contribute slightly less risk than their weights, while the Russell 1000 Growth fund is a bit “riskier” than its size suggests. Importantly, the top three positions drive over 71% of total risk, which is meaningful concentration. That’s not inherently bad, but it does mean those core funds largely determine how the portfolio behaves day to day.

Redundant positions Info

  • Vanguard Russell 1000 Growth Index Fund ETF Shares
    iShares Core S&P 500 ETF
    iShares MSCI USA Quality Factor ETF
    High correlation

Some ETFs here move almost identically, especially the S&P 500 fund versus the US quality and Russell 1000 growth ETFs. Correlation describes how closely two assets move together; when it’s very high, they rise and fall in sync. Holding multiple highly correlated funds can limit diversification benefits because, in a downturn, they can all drop at once. On the other hand, small differences in strategy can still matter over time, and these funds target slightly different slices of the US market. The main takeaway is that while this mix looks varied by label, a big chunk is effectively one US equity bet, just sliced a few different ways.

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 risk–return analysis shows the current portfolio has an expected return of roughly 15.6% with volatility of 18.4%, giving a Sharpe ratio of 0.63. The Sharpe ratio measures return per unit of risk, after accounting for a risk-free rate, so higher is better. The “optimal” mix of these same holdings along the efficient frontier has a Sharpe of 0.93, meaning better risk-adjusted performance could be achieved just by reweighting what’s already here. The current allocation sits about 2.6 percentage points below the frontier at its risk level, so there is room to improve efficiency. The good news is that the building blocks are strong; it’s mostly about fine-tuning the proportions.

Dividends Info

  • Vanguard Total Bond Market Index Fund ETF Shares 3.90%
  • iShares Core S&P 500 ETF 1.20%
  • iShares MSCI USA Quality Factor ETF 0.90%
  • Invesco S&P 500® Momentum ETF 0.80%
  • Vanguard Small-Cap Index Fund ETF Shares 1.30%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.80%
  • Vanguard Russell 1000 Growth Index Fund ETF Shares 0.50%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.60%
  • Weighted yield (per year) 1.53%

The overall dividend yield sits around 1.53%, which is modest and typical for a growth-leaning equity portfolio. Yield is the income you get from dividends relative to your investment, separate from price changes. Most of the income here comes from the bond fund and the international and emerging markets ETFs, which pay more than the US growth-oriented pieces. This setup fits an investor focused more on long-term growth than on generating steady cash flow to spend. For someone reinvesting distributions, even a modest yield can meaningfully boost compounding over time, but this is not an income-focused structure and won’t throw off large regular payouts.

Ongoing product costs Info

  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • iShares Core S&P 500 ETF 0.03%
  • iShares MSCI USA Quality Factor ETF 0.15%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Small-Cap Index Fund ETF Shares 0.05%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard Russell 1000 Growth Index Fund ETF Shares 0.08%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Weighted costs total (per year) 0.06%

The weighted ongoing cost (TER) of about 0.06% per year is impressively low. TER, or total expense ratio, is the annual fee charged by funds as a percentage of your investment. It’s like a tiny drag on performance every year, and over decades even small differences compound into real money. Here, nearly all ETFs are ultra-low-cost index or factor funds, which is a major strength of the portfolio. It means more of the returns generated by the market stay in your pocket rather than going to fees. From a cost perspective, this is very close to best practice and supports better long-term outcomes.

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