Broad global equity portfolio with modest bond ballast and balanced factor exposure over a strong decade

Report created on May 6, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is mainly a diversified mix of stock index funds with a smaller slice in bonds and a few individual stocks. About half sits in broad US equity funds, with an additional chunk in an actively managed US growth fund and dedicated small‑cap value strategies. A single intermediate‑term Treasury ETF provides the bond exposure. A developed ex‑US ETF plus an emerging markets fund round out the global reach. A handful of individual energy stocks and one focused semiconductor fund add a bit of concentration on top. Structurally, this is mostly a “core” index portfolio with a few satellite positions that can drive differences versus broad market behavior, especially in specific industries.

Growth Info

From late 2019 to April 2026, a hypothetical $1,000 in this portfolio grew to about $2,463, a compound annual growth rate (CAGR) of 14.7%. CAGR is like average speed on a road trip, smoothing out all the ups and downs. Over the same period, the US market did slightly better at 15.88%, while the global market did less at 13.28%. So the portfolio lagged the US but beat the broader world. The worst drop, or max drawdown, was about -30.6% during early 2020, a bit milder than both benchmarks. That mix of somewhat lower drawdown and mid‑pack returns is consistent with a diversified, risk‑aware equity tilt.

Projection Info

The Monte Carlo projection looks ahead 15 years by simulating many possible paths based on past risk and return. Monte Carlo is basically a big “what if” machine: it shakes the historical data thousands of times to see a range of outcomes rather than one forecast. Here, the median result turns $1,000 into around $2,600, with a middle “likely” band from roughly $1,783 to $3,824. Extreme cases run from about $1,108 to $6,428. The average simulated return of 7.37% a year is lower than recent history, reminding that past strong performance doesn’t guarantee similar future results, especially if markets face different interest rates or growth trends.

Asset classes Info

  • Stocks
    86%
  • Bonds
    14%

Asset‑class-wise, about 86% is in stocks and 14% in bonds. Stocks are the main growth engine but can swing widely, while bonds typically act as ballast, softening some of the bumps. A roughly 85/15 split is common for portfolios that want meaningful growth with some protection but still accept significant volatility. The single bond holding is an intermediate‑term Treasury index, which focuses on government debt rather than corporate bonds or cash. That means the bond side is mainly about interest‑rate and inflation dynamics, not company default risk. In sharp equity sell‑offs, this structure often helps, though not as much as a larger bond allocation would.

Sectors Info

  • Technology
    24%
  • Financials
    12%
  • Industrials
    10%
  • Health Care
    9%
  • Telecommunications
    7%
  • Energy
    6%
  • Consumer Discretionary
    6%
  • Consumer Staples
    4%
  • Consumer Discretionary
    4%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector exposure leans most heavily into technology at 24%, followed by financials, industrials, and health care. Telecoms, energy, and consumer areas make up mid‑single‑digit slices, with smaller weights in materials, utilities, and real estate. This looks broadly similar to a global equity benchmark, though the explicit semiconductor fund and energy stocks add extra emphasis to those industries on top of what the index funds already hold. Tech‑heavy areas can be more sensitive to interest‑rate moves and growth expectations, sometimes leading to sharper swings. The generally broad spread across sectors is a positive sign for diversification, limiting reliance on any single part of the economy.

Regions Info

  • North America
    71%
  • Europe Developed
    7%
  • Japan
    3%
  • Asia Developed
    2%
  • Asia Emerging
    1%
  • Australasia
    1%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 71% of the portfolio is in North America, mainly the US, with smaller allocations to developed Europe, Japan, developed Asia, and tiny slices in emerging regions like Asia and Africa/Middle East. Compared with a global stock index, this is a clear US tilt, which is common for US‑based portfolios. That tilt has helped in recent years because US markets have outpaced many other regions. The flip side is that economic and policy shocks specific to the US will have an outsized impact. The developed ex‑US and emerging markets funds still add useful global diversification, but the portfolio’s story is largely tied to US corporate and currency outcomes.

Market capitalization Info

  • Mega-cap
    33%
  • Large-cap
    25%
  • Mid-cap
    16%
  • Small-cap
    8%
  • Micro-cap
    4%

This breakdown covers the equity portion of your portfolio only.

By market cap, about a third of the portfolio is in mega‑caps, another quarter in large‑caps, then meaningful slices in mid‑caps and small‑caps, plus a small micro‑cap element. Market capitalization is just company size by stock market value. Big companies often provide stability and better liquidity, while smaller ones can be more volatile but sometimes faster‑growing. The inclusion of dedicated small‑cap value funds lifts the small and micro exposure above what a pure market‑cap world index would have. That broader size spectrum means the portfolio won’t move exactly like a mega‑cap‑dominated benchmark and can behave differently across cycles as smaller companies go in and out of favor.

True holdings Info

  • NVIDIA Corporation
    2.16%
    Part of fund(s):
    • iShares Core S&P 500 ETF
  • Apple Inc
    1.84%
    Part of fund(s):
    • iShares Core S&P 500 ETF
  • Microsoft Corporation
    1.38%
    Part of fund(s):
    • iShares Core S&P 500 ETF
  • Amazon.com Inc
    1.17%
    Part of fund(s):
    • iShares Core S&P 500 ETF
  • Alphabet Inc Class A
    1.01%
    Part of fund(s):
    • iShares Core S&P 500 ETF
  • Broadcom Inc
    0.90%
    Part of fund(s):
    • iShares Core S&P 500 ETF
  • Exxon Mobil Corp
    0.83%
  • Alphabet Inc Class C
    0.80%
    Part of fund(s):
    • iShares Core S&P 500 ETF
  • Meta Platforms Inc.
    0.60%
    Part of fund(s):
    • iShares Core S&P 500 ETF
  • Tesla Inc
    0.49%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • iShares Core S&P 500 ETF
  • Top 10 total 11.18%

This breakdown covers the equity portion of your portfolio only.

Looking through the funds’ top holdings, familiar mega‑cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, and Broadcom appear across multiple vehicles. This overlap is normal in broad US and global index products. The largest look‑through exposure is NVIDIA at around 2.16%, with Apple and Microsoft also meaningful but still low single‑digit percentages overall. Exxon appears both directly and in funds, making it a slightly more concentrated position. Because only ETF top‑10 holdings are captured, overlap is actually understated. The main takeaway is that a lot of the equity risk ultimately traces back to a relatively small group of global tech and platform giants.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 86%
Size
Exposure to smaller companies
Neutral
Data availability: 86%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 86%
Quality
Preference for financially healthy companies
Neutral
Data availability: 86%
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 scores across value, size, momentum, quality, yield, and low volatility are all in the neutral band around 50–60%. Factor exposure is like checking which “traits” your portfolio favors, such as cheap vs. expensive stocks or stable vs. volatile ones. Here, there are no strong tilts in either direction. That’s interesting given the explicit small‑cap value funds; their influence appears balanced out by broad market and growth‑oriented holdings. A factor‑neutral profile tends to behave similarly to the overall market, rising and falling with general equity conditions rather than making big bets on specific styles. This can be helpful if the goal is to avoid heavy style‑cycle whiplash.

Risk contribution Info

  • iShares Core S&P 500 ETF
    Weight: 27.80%
    31.7%
  • Vanguard Total Stock Market Index Fund Admiral Shares
    Weight: 20.34%
    23.8%
  • VANGUARD PRIMECAP FUND ADMIRAL SHARES
    Weight: 10.08%
    11.9%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 7.78%
    10.9%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares
    Weight: 8.12%
    8.2%
  • Top 5 risk contribution 86.5%

Risk contribution shows how much each position drives the portfolio’s total ups and downs, which can differ from simple weights. Here, the three largest funds—the S&P 500 ETF, total US market fund, and PRIMECAP fund—are about 58% of assets but contribute roughly 67% of total risk. The Avantis US small‑cap value ETF is especially punchy, at 7.78% weight but about 10.92% of risk. That higher “risk/weight” ratio suggests this holding amplifies volatility more than its size alone implies. Overall, the pattern is typical: big, growth‑oriented US funds dominate risk, while smaller satellites either modestly add or slightly reshape how that risk shows up.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund Admiral Shares
    iShares Core S&P 500 ETF
    FIDELITY ZERO TOTAL MARKET INDEX FUND
    High correlation

The correlation data highlights that the Fidelity ZERO total market fund, the S&P 500 ETF, and the Vanguard total US market fund move almost identically. Correlation measures how often assets move together; highly correlated pairs don’t add much diversification when markets swing. In practice, these three funds are all versions of broad US equities with near‑perfect overlap in behavior. That doesn’t make them “bad,” it just means they’re essentially reinforcing the same risk. When US stocks rise or fall sharply, this cluster will move in lockstep. Diversification in the portfolio mainly comes from non‑US equities, small‑cap value tilts, the bond fund, and a bit from individual stock specifics.

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, the current portfolio has a Sharpe ratio of 0.63, with annualized volatility around 17.47%. The Sharpe ratio compares excess return (over a risk‑free rate) to volatility, like grading how efficiently risk is being used. The efficient frontier curve shows the best possible trade‑offs using the same ingredients. Here, the portfolio sits about 5.45 percentage points below that frontier, meaning a different mix of these same holdings could, historically, have delivered more return for the same risk. The “optimal” point has a much higher Sharpe but also much higher volatility, while the minimum‑variance mix shows how low risk could go if returns were secondary.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.80%
  • Avantis® U.S. Small Cap Value ETF 1.30%
  • iShares MSCI Emerging Markets ex China 2.20%
  • Fidelity Select Semiconductors Portfolio 10.90%
  • FIDELITY ZERO TOTAL MARKET INDEX FUND 1.00%
  • iShares Core S&P 500 ETF 1.10%
  • Occidental Petroleum Corporation 1.70%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.70%
  • Vanguard Intermediate-Term Treasury Index Fund ETF Shares 3.80%
  • Valero Energy Corporation 1.80%
  • VANGUARD PRIMECAP FUND ADMIRAL SHARES 28.00%
  • Vanguard Total Stock Market Index Fund Admiral Shares 1.00%
  • Exxon Mobil Corp 2.60%
  • Weighted yield (per year) 4.50%

The portfolio’s overall dividend yield is about 4.5%, higher than typical broad developed equity markets. Dividend yield is the cash income paid out each year relative to price. Some of this number is driven by bond interest from the Treasury ETF and by higher‑yielding funds like the international small‑cap value ETF and energy stocks. One outlier is the very high reported yield on the PRIMECAP fund, which likely reflects special or irregular payouts rather than an ongoing cash baseline. Dividends can be a useful component of total return, but they usually get reinvested automatically in many accounts, so the main impact is long‑term compounding rather than short‑term spending.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares MSCI Emerging Markets ex China 0.25%
  • Fidelity Select Semiconductors Portfolio 0.60%
  • iShares Core S&P 500 ETF 0.03%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard Intermediate-Term Treasury Index Fund ETF Shares 0.04%
  • VANGUARD PRIMECAP FUND ADMIRAL SHARES 0.27%
  • Vanguard Total Stock Market Index Fund Admiral Shares 0.04%
  • Weighted costs total (per year) 0.10%

The weighted ongoing cost (Total TER) for this portfolio is about 0.10% per year, which is impressively low for such broad global coverage. TER, or Total Expense Ratio, is the annual fee funds charge, taken directly out of returns. Most of the core index ETFs and mutual funds sit in the 0.03–0.05% range, while a few active and specialized funds are higher, up to 0.60%. Because those pricier holdings are small weights, they don’t move the overall cost much. Low structural costs are a real strength: over decades, even a few tenths of a percent can compound into sizable differences, so starting from a 0.10% baseline sets a solid foundation.

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