Three fund global stock portfolio with strong US tilt and low cost growth focused structure
Report created on Jun 12, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 70.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 10.00%
This portfolio is made up of three equity index ETFs: a broad US stock fund at 70%, a broad international stock fund at 20%, and a NASDAQ 100 fund at 10%. So it is 100% invested in stocks with no bonds or cash in the mix. That means the portfolio’s ups and downs are fully tied to stock markets rather than being smoothed by fixed income. A simple three-holding structure like this is easy to track and understand, and it avoids overcomplication. At the same time, the presence of both US and international funds, plus a separate growth-tilted sleeve, gives it a clear internal structure rather than being a single all-in-one holding.
Growth
One or more local-currency benchmark funds are unavailable for this report.
From late 2020 to mid‑2026, a $1,000 starting amount in this portfolio grew to about $2,150. That works out to a compound annual growth rate (CAGR) of 14.57%, which means it increased on average by that percentage each year, similar to averaging speed over a road trip. Over the same period, the global market benchmark returned 13.51% annually, so this mix slightly outpaced “the world” while experiencing a very similar maximum drawdown of around ‑26%. The worst stretch took 10 months to fall and about 14 months to fully recover. This pattern shows typical equity-like volatility but with strong overall returns in a favorable period.
Projection
The Monte Carlo projection uses many random simulations based on historical behavior to imagine different 15‑year paths for a $1,000 investment. It does not try to predict a single outcome; instead, it shows a range of possibilities if markets behaved in ways similar to the past. The median result here is about $2,780, with most scenarios falling between roughly $1,788 and $4,212, and a wide outer band stretching from about $1,002 to $7,520. The average annualized return across all simulations is 8.15%. These numbers highlight that even with an equity-heavy portfolio, long‑term outcomes can vary a lot, and past patterns may not repeat exactly.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, real estate funds, or cash-like assets in the asset-class breakdown. Stocks historically have offered higher long‑term growth potential than bonds, but they also tend to swing more in the short term. Having 100% equity exposure means the portfolio is fully exposed to market rallies and corrections without another asset class to dampen volatility. Compared to “balanced” mixes that include bonds, this structure usually shows bigger drawdowns and faster recoveries. The absence of bonds simplifies the picture but concentrates risk in one asset class, so return patterns are largely driven by global equity cycles.
Sectors
- Technology 33%
- Financials 13%
- Industrials 10%
- Consumer Discretionary 10%
- Telecommunications 10%
- Health Care 8%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector-wise, technology is the largest slice at 33%, with financials, industrials, consumer discretionary, and telecommunications making up meaningful portions. Health care, staples, energy, materials, utilities, and real estate each hold smaller but present shares. This layout is broadly similar to many global equity benchmarks, but the added NASDAQ 100 exposure leans the overall mix a bit more toward growth-oriented tech and communication businesses. That kind of tilt often benefits from innovation and earnings growth but can amplify swings when interest rates rise or when investors rotate toward more defensive areas. Overall, sector diversification remains quite broad, which helps spread risk across different parts of the economy.
Regions
- North America 81%
- Europe Developed 7%
- Asia Developed 3%
- Japan 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, the portfolio is heavily tilted to North America at 81%, with the rest spread across developed Europe, Japan, other developed Asia, and smaller allocations to emerging regions. The global market today is also US‑heavy, but this portfolio is even more concentrated in North America than a typical world index. That means company earnings, currency exposure, and economic conditions in that region have an outsized influence on returns. The presence of Europe, Japan, and emerging regions does introduce global reach, which is positive for diversification. Still, the overall risk and return profile will largely follow North American market cycles rather than being evenly tied to many regions.
Market capitalization
- Mega-cap 43%
- Large-cap 31%
- Mid-cap 18%
- Small-cap 5%
- Micro-cap 2%
By market capitalization, this portfolio leans strongly toward larger companies: about 43% in mega‑caps, 31% in large‑caps, and the rest spread across mid, small, and micro‑caps. Market cap just means the size of a company based on its stock market value. Leaning into mega and large‑caps often results in more stable business profiles, deeper liquidity, and lower individual company risk than a pure small‑cap portfolio. At the same time, the 25% combined weight in mid, small, and micro companies keeps some exposure to potentially faster‑growing but bumpier names. This structure resembles a total-market approach, where bigger companies naturally take up more space but smaller ones are still represented.
True holdings
-
NV NVIDIA Corporation 5.48%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 4.72%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.55%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 3.02%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.61%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.30%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 2.10%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.41%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.35%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
BR Berkshire Hathaway Inc 0.85%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 27.40%
Looking through the ETFs’ top holdings, a handful of big names make up a substantial slice of the visible portfolio: NVIDIA at about 5.5%, Apple around 4.7%, Microsoft 3.6%, Amazon 3.0%, and the two Alphabet share classes totaling more than 4.7% together. These companies appear in more than one ETF, so their combined stakes are larger than they would be in any single fund. That kind of overlap is common in index-based approaches but can create hidden concentration in a few very large firms. Because only top‑10 ETF holdings are included, actual overlap is likely a bit higher than shown, but still follows broad-market weights.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility is essentially neutral, with all readings hovering close to 50%. Factors are characteristics, like “cheap vs expensive” or “stable vs jumpy,” that help explain why some stocks behave differently from others over time. A neutral factor profile means this portfolio behaves very similarly to the broad global stock market rather than making a big bet on any one investing style. That can be helpful if the goal is to capture overall market returns without trying to time which factor will lead next. Performance will mostly reflect broad equity conditions instead of strong style tilts.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 70.00% 71.0% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 16.6% -
Invesco NASDAQ 100 ETF
Weight: 10.00% 12.4%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the US total market fund is 70% of the assets but contributes about 71% of total risk, basically in line with its size. The international fund is 20% of the portfolio but only 16.6% of risk, meaning it slightly dampens volatility relative to its weight. The NASDAQ 100 ETF is 10% by weight yet contributes 12.4% of risk, reflecting its more volatile growth focus. This pattern is common: growth-heavy or concentrated funds can punch above their weight in terms of risk impact.
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 vs. return optimization chart shows that this portfolio sits on or very near the efficient frontier. The efficient frontier is the curve of the best possible return for each risk level using just these three holdings in different proportions. The current Sharpe ratio of 0.66, which measures return per unit of risk above the risk‑free rate, is a bit below the maximum achievable 0.83 but still solid. Importantly, the data indicates the existing mix is already efficient for its risk level, meaning that, given these three funds, there is not a big gap between the current setup and the best theoretical risk/return combination.
Dividends
- Invesco NASDAQ 100 ETF 0.40%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.28%
The overall dividend yield of the portfolio is about 1.28%, coming from a mix of lower-yielding growth stocks in the NASDAQ 100, moderate yields in the US total market, and higher yields in international markets. Dividend yield is the annual cash payout as a percentage of the current investment value, like receiving a small paycheck from your holdings. In this case, most of the expected long-term return is likely to come from price changes rather than dividends. Still, even a modest yield can contribute meaningfully over time when reinvested, adding a small but steady income component on top of capital growth.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- 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) 0.05%
Total ongoing fees are very low at an estimated 0.05% per year across the three ETFs. The individual expense ratios — 0.03% and 0.05% for the Vanguard funds and 0.15% for the NASDAQ 100 ETF — are all well below typical active fund costs. Fees may look tiny on paper, but they subtract from returns every year, so lower costs leave more of the gross performance in the investor’s pocket. Over long periods, that difference compounds meaningfully. This cost structure is a clear strength of the portfolio and aligns well with best practices for broad, index-based investing approaches.
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