Portfolio report
Two fund global stock index portfolio with strong US tilt and broad sector diversification
Report created on Oct 1, 2026The briefing
What stands out
The geographic breakdown shows roughly three-quarters of the portfolio in North America, with the rest spread across other regions. That means overall performance will track US markets pretty closely, even though there is some global diversification. It can be useful to keep in mind that …
The risk contribution data shows the US fund slightly outsizes its share of portfolio volatility, while the international fund contributes a bit less than its weight. This is normal for an approach that leans into the US market. It’s a reminder that a 70/30 split …
The efficient frontier chart suggests your current two-fund mix is already very close to the best risk–return trade-off you can get using these ETFs. That means most of the heavy lifting is coming from your overall asset choice—100% stocks—rather than any inefficiency in how the …
Highlights from the assessment. Explore the analysis below for context and assumptions.
Risk profile
4/7
Diversification profile
3/5
The starting point
Positions
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VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 70.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30.00%
This portfolio is built from just two broad stock index ETFs: about 70% in a total US market fund and 30% in a total international stock fund. That means 100% in equities and no bonds or cash in the strategic mix. Structurally, it’s a classic “core plus” setup, where one fund anchors domestic exposure and the other adds overseas diversification. Using only two, very broad vehicles keeps things simple and transparent. This straightforward structure means performance and risk are mainly driven by overall global stock markets, not by narrow themes or highly concentrated bets. The composition also aligns closely with widely used index-based approaches, which is a strong sign of a disciplined, rules-based design.
Growth
Over the last decade, a hypothetical $1,000 invested grew to about $3,471, implying a Compound Annual Growth Rate (CAGR) of 13.3%. CAGR is like average speed on a long road trip: it smooths out the bumps to show the underlying pace. The portfolio lagged the US market benchmark but slightly outpaced the global market index, reflecting its mix of strong US exposure plus some international drag. The biggest historical drop was about -35% during early 2020, recovering in roughly five months. That drawdown is similar to broad equity indices, which is expected for an all-stock portfolio. These results show historically strong growth but also clear exposure to full stock market ups and downs.
Projection
The Monte Carlo projection uses many simulated paths, based on historical patterns, to model how $1,000 might grow over 15 years. Think of it as running the same movie 1,000 times with slightly different twists. The median outcome is about $2,676, with a central “likely” band ranging from roughly $1,809 to $4,050. There’s a 74% chance of ending above the starting amount in these simulations, and the average simulated annual return is around 8%. Importantly, these are not predictions or guarantees. They simply show a range of plausible futures if markets behave somewhat like the past, which they never do perfectly. Still, they illustrate that outcomes can vary widely, especially for an all-equity portfolio.
Asset classes
- Stocks 100%
All of the portfolio is allocated to stocks, with 0% in bonds, cash, or alternative assets. That means there is no built-in cushion from traditionally steadier asset classes during equity market downturns. Asset allocation is often the main driver of risk: stocks tend to offer higher long-term growth potential but can be very volatile in the short to medium term. Compared with many “balanced” mixes that include bonds, this is firmly on the growth-oriented side in terms of pure market exposure. On the plus side, the equity-only approach keeps the structure simple and avoids yield or credit risks from bonds. On the minus side, it accepts full participation in stock market swings.
Sectors
- Technology 31%
- Financials 16%
- Industrials 11%
- Health Care 9%
- Consumer Discretionary 9%
- Telecommunications 7%
- Consumer Staples 4%
- Energy 4%
- Basic Materials 4%
- Real Estate 2%
- Utilities 2%
Sector exposure is broadly diversified, with technology the largest slice at about 31%, followed by financials, industrials, and health care. This pattern is similar to many global equity benchmarks today where tech and related industries have grown large. A tech-tilted allocation can benefit strongly during innovation-driven bull markets but often feels sharper when interest rates rise or sentiment turns against growth companies. Smaller allocations across areas like consumer staples, utilities, and real estate add some ballast from more defensive business models, though they’re not dominant. Overall, the sector mix is well-spread and broadly benchmark-like, which supports diversification across economic themes rather than leaning on any single industry to carry results.
Regions
- North America 72%
- Europe Developed 11%
- Asia Developed 5%
- Japan 5%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, around 72% of the portfolio is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and smaller slices in emerging regions. This creates a noticeable US tilt compared with all-country benchmarks, where the US is large but not quite this dominant. A strong home-region weight can benefit from familiar accounting rules, corporate governance, and currency alignment with day-to-day spending. The trade-off is less sensitivity to growth in other parts of the world. The additional exposure to Europe and Asia, including emerging markets, still brings meaningful international diversification, especially around different economic cycles and policy environments, but the portfolio’s behavior will be heavily driven by North American market conditions.
Market capitalization
- Mega-cap 42%
- Large-cap 31%
- Mid-cap 19%
- Small-cap 6%
- Micro-cap 2%
By market capitalization, the portfolio leans toward mega- and large-cap companies, which together make up roughly 73% of exposure. Mid-caps represent almost a fifth, with smaller positions in small and micro caps. Larger companies often have more stable earnings, global footprints, and better access to financing, which can reduce firm-specific risk. Smaller companies can be more volatile but sometimes offer different growth dynamics and sector exposures. This spread across size segments is consistent with broad market index construction and supports diversification within equities. The relatively modest allocation to small and micro caps keeps their higher volatility from dominating overall behavior, while still letting them contribute to long-term return potential and variety.
True holdings
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NV NVIDIA Corporation 4.81%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc. 4.41%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.57%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.38%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.89%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.66%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.49%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.19%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.19%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 1.03%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 23.63%
Looking through to the top holdings, the largest underlying exposures include familiar global names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, and Taiwan Semiconductor. These positions appear via the ETFs and not as direct single-stock picks. Because several funds hold the same giants, there is overlap that creates hidden concentration in a handful of very large technology and communication companies. For example, the top few names together account for a noticeable slice of the portfolio’s covered portion. Note that this overlap is likely understated since only ETF top-10 holdings are captured. This is typical for modern index portfolios, where a small group of massive companies drive a significant share of returns and volatility.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility sits in a neutral band, close to broad market averages. Factor investing looks at characteristics like cheapness (value) or stability (low volatility) that research links to long-term returns, much like analyzing ingredients in a recipe. In this case, there’s no strong lean toward or away from any of the major factors. That suggests the portfolio behaves similarly to a cap-weighted global equity index rather than following a targeted style like “high dividend” or “small value.” This balanced factor profile keeps the portfolio from being overly dependent on any single style environment, which can help avoid big swings in relative performance versus the overall market.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 70.00% 72.8% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 27.2%
Risk contribution shows how much each holding adds to the portfolio’s overall ups and downs, which can differ from its weight. The US total market ETF makes up 70% of assets but contributes roughly 73% of total risk, slightly more than its share by size. The international ETF, at 30% weight, contributes about 27% of the risk, slightly less than its weight. This pattern reflects somewhat higher volatility and influence from the US portion. Because there are only two holdings, all the portfolio’s risk is concentrated between them, but not in an extreme way. The risk-to-weight ratios, both near 1, indicate a relatively proportional relationship between position size and impact on volatility.
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 chart, or efficient frontier, compares this portfolio’s mix with other possible combinations of the same two funds. The current allocation sits on or very near the frontier, meaning that for its level of risk, it’s using these holdings efficiently. The Sharpe ratio, which measures return per unit of risk above a risk-free rate, is 0.57 for the current mix versus 0.79 for the mathematically “optimal” combination and 0.62 for the minimum-variance one. This shows there are theoretical blends that might offer slightly different trade-offs, but the existing structure is already in a strong, efficient zone. In other words, it’s not obviously leaving risk-adjusted return on the table given the chosen building blocks.
Dividends
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.30%
- Weighted yield (per year) 1.46%
The portfolio’s overall dividend yield is about 1.46%, combining a lower-yielding US fund (around 1.10%) with a higher-yielding international fund (about 2.30%). Dividends are cash payments from companies, and while modest here, they still contribute a meaningful slice of total return over time, especially when reinvested. This yield level is typical for a broad, growth-leaning global equity portfolio where many firms prioritize reinvesting profits for expansion rather than paying out large cash distributions. In practice, most of the portfolio’s long-term return is likely to come from price appreciation, with dividends providing a quieter, more stable component that can help smooth overall results, particularly in sideways or mildly declining markets.
Ongoing product costs
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
The total expense ratio (TER) for the portfolio is impressively low at around 0.04% per year, combining a 0.03% US fund and a 0.05% international fund. TER is the annual fee the fund manager charges, taken directly from the fund’s assets, similar to a small service fee. Costs at this level are well below many active or niche strategies and align with best-in-class index pricing. Over long periods, even small fee differences compound, so keeping expenses near zero supports better net outcomes relative to higher-cost approaches. This low-cost foundation, paired with broad diversification, is a major structural strength and helps ensure that more of the underlying market return flows through to the portfolio holder.
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