Simple three fund growth portfolio with strong US focus and moderate technology tilt
Report created on Jun 21, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 75.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 5.00%
This portfolio is very straightforward: three broad stock ETFs, with 75% in a US market tracker, 20% in a total international stock fund, and a 5% satellite in a dedicated technology ETF. That means it’s 100% in equities, with no bonds or cash buffers in the mix. A structure like this is easy to understand and monitor because each building block is diversified by itself. The core-and-satellite feel is clear: broad global coverage from the two big funds, then an extra push in tech from the smaller position. Overall, it’s a growth-leaning, equity-only setup that keeps complexity low while focusing heavily on stock market returns.
Growth
Over the period from mid‑2016 to mid‑2026, $1,000 grew to about $4,118, a compound annual growth rate (CAGR) of 15.26%. CAGR is like average speed on a road trip: it smooths out bumps to show the steady pace needed to go from start to finish. The maximum drawdown of around ‑34% during early 2020 shows that while returns were strong, the ride was far from smooth. Performance essentially matched the US market and clearly beat the global market benchmark by about 2.5 percentage points per year, reflecting the portfolio’s strong US tilt over a decade when US stocks led.
Projection
The Monte Carlo projection looks at many possible future paths by shuffling historical returns and volatility into 1,000 simulations. Think of it as running the next 15 years thousands of times to see a range of plausible outcomes, not a single prediction. The median path turns $1,000 into about $2,816, with a typical middle range between roughly $1,847 and $4,403. There’s also a wide “tail” of more extreme outcomes. The average simulated annual return is 8.46%, but the spread shows that future results can differ a lot from history. This highlights both the growth potential and the uncertainty built into an all‑equity portfolio.
Asset classes
- Stocks 100%
All 100% of this portfolio is in stocks, with no allocation to bonds, cash, or alternative assets. That’s a classic growth-oriented structure: it maximizes exposure to equity markets, which have historically offered higher long-term returns but also sharper ups and downs. Without bonds or cash, there’s no built‑in cushion to smooth drawdowns, so portfolio value will generally move in step with global stock markets. Compared with many blended portfolios that mix in fixed income, this one is clearly tilted toward capital growth rather than stability or income. The alignment with the “Growth” risk classification is consistent: the chosen building blocks fully embrace equity risk across regions.
Sectors
- Technology 35%
- Financials 13%
- Industrials 9%
- Telecommunications 9%
- Consumer Discretionary 9%
- Health Care 8%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector-wise, technology stands out at about 35% of equity exposure, which is meaningfully higher than many broad global benchmarks. The rest is spread across financials, industrials, telecom, consumer areas, health care, energy, materials, utilities, and real estate. This creates reasonably broad economic coverage, but with a noticeable emphasis on tech-driven business models. Tech-heavy portfolios tend to be more sensitive to interest rate changes, innovation cycles, and investor sentiment toward growth companies. At the same time, broad exposure to defensive sectors like consumer staples and utilities, even at lower weights, helps ensure the portfolio isn’t entirely dependent on just one part of the economy to drive returns.
Regions
- North America 81%
- Europe Developed 7%
- Asia Developed 3%
- Japan 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
Geographically, about 81% of the portfolio is in North America, with the rest spread across developed Europe, Japan, developed Asia, emerging Asia, Australasia, and Africa/Middle East. This is more US‑centric than a typical global market-cap index, where the US usually sits closer to 60%. That higher North American share has helped over the last decade, since US stocks outperformed many other regions. The trade-off is that returns are strongly tied to one economy, one main currency, and one policy environment. The international fund does add meaningful global breadth, but the structure still clearly leans toward North American market dynamics rather than an even global balance.
Market capitalization
- Mega-cap 46%
- Large-cap 33%
- Mid-cap 17%
- Small-cap 2%
By market capitalization, the portfolio is dominated by larger companies: roughly 46% in mega-caps, 33% in large caps, 17% in mid caps, and only 2% in small caps. Large and mega-cap stocks are typically global leaders with diversified revenues and more established business models, which can mean more stability than purely small‑cap heavy portfolios. On the other hand, smaller companies often have higher growth potential but come with more volatility. Here, the weighting toward big firms creates a profile that’s closer to mainstream indices and tends to track overall market behavior. The modest mid‑ and small‑cap exposure still introduces some extra diversification and growth opportunities without dominating risk.
True holdings
-
NV NVIDIA Corporation 6.76%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AA Apple Inc 6.05%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 4.35%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.05%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.67%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.56%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.03%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.60%
Part of fund(s):- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 1.47%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.42%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Top 10 total 31.95%
Looking through the ETFs, the top underlying positions include NVIDIA, Apple, Microsoft, Amazon, Broadcom, Alphabet, Meta, Micron, and Tesla. Several of these appear across more than one ETF, especially the broad US index and the tech fund, which creates overlap. Overlap means a single company can influence the portfolio more than its apparent share suggests because it’s held multiple times via different funds. For example, NVIDIA and Apple together already account for over 12% of the portfolio within the partial coverage we see. Since only top‑10 ETF holdings are counted here, actual overlap is likely somewhat higher, reinforcing the concentration in a handful of large US technology-related names.
Factors
Factor exposure is very close to neutral across value, size, momentum, quality, yield, and low volatility, all sitting in the 40–60% “market-like” band. Factors are like underlying traits—cheap vs. expensive, big vs. small, stable vs. volatile—that explain why some stocks behave differently. A neutral reading suggests this portfolio behaves similarly to broad market indices rather than making strong bets on any particular style. For example, it doesn’t strongly lean into “value” or “growth,” nor does it heavily favor high-dividend or low-volatility stocks. This balanced factor profile can be helpful for investors who prefer returns to come mainly from overall market performance rather than from specific style tilts.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 75.00% 76.1% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 17.5% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 5.00% 6.5%
Risk contribution shows how much each position drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the US index at 75% weight contributes about 76% of total risk, very close to proportional. The international fund, at 20% weight, contributes a bit less than its share of risk, reflecting some diversification benefit. The small 5% tech ETF punches slightly above its weight with about 6.5% of the risk. That “risk/weight” of 1.30 means this satellite position is more volatile relative to its size. Overall, risk is dominated by the broad US exposure, with a modest extra kick from the concentrated technology slice.
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 the risk–return chart, this portfolio sits on or very close to the efficient frontier. The efficient frontier represents the best possible return for each risk level using the current holdings with different weightings. The portfolio’s Sharpe ratio of 0.65 is slightly below the minimum-variance option’s 0.68, and below the max‑Sharpe configuration of 1.0, but still in a region that’s considered efficient. In simple terms, given these three ETFs, the current mix is making good use of them: there isn’t an obvious structural mismatch between risk and return. Any improvements from reweighting would likely be incremental rather than transformational.
Dividends
- Vanguard Information Technology Index Fund ETF Shares 0.30%
- Vanguard S&P 500 ETF 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.10%
- Weighted yield (per year) 1.18%
The overall dividend yield is about 1.18%, with higher income from the international fund (around 2.10%), a moderate yield from the US index (about 1.00%), and a low yield from the tech ETF (roughly 0.30%). Dividend yield measures yearly cash payouts as a percentage of the investment value. Here, most of the expected return is driven by price changes rather than income, which is typical for growth-oriented, US-heavy equity portfolios. The international sleeve adds a noticeable portion of the yield, reflecting higher payouts in many overseas markets. For investors interested in total return, dividends can still play an important role as a steady component that’s often less volatile than prices.
Ongoing product costs
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
Costs are impressively low: the total expense ratio (TER) of the portfolio is about 0.04% per year. TER is like a small annual service fee charged by the funds, taken directly from returns. With fees this low, very little performance is lost to ongoing charges, which supports better compounding over long periods. Each individual ETF is also competitively priced, especially the core S&P 500 and total international funds. Compared with typical active funds or higher‑fee ETFs, this cost structure is a strong positive feature. It means more of the portfolio’s gross market return is kept, and the drag from costs is unlikely to be a major driver of long-term outcomes.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey