Globally diversified equity portfolio tilted to North America with strong growth and stability characteristics
Report created on Mar 18, 2026Risk profile
4/7
Diversification profile
4/5
Positions
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VE Vanguard All-Equity ETF Portfolio
VEQT - CA92201C1077 60.00% -
VF Vanguard S&P 500 Index ETF
VFV - CA92205Y1051 40.00%
The portfolio is very straightforward: 60% sits in a global all‑equity ETF and 40% in an S&P 500 ETF. That means you are 100% in stocks with no explicit bonds or cash buffer in the investment mix itself. A setup like this is simple to manage and easy to understand, which is a real strength for staying disciplined over time. The trade‑off is that short‑term swings can be meaningful, since there’s no built‑in stabilizer. For someone using this as their main long‑term growth engine, it can work well, as long as any safety cushion lives outside this portfolio in cash or lower‑risk accounts.
Growth
Historically, the portfolio has delivered a strong compound annual growth rate (CAGR) of 14.59%. CAGR is the “average speed” your money has grown per year, smoothed out over time. A max drawdown of about –29% shows that the deepest past drop was large but still milder than pure‑equity crashes that can exceed –50%. Compared with broad equity benchmarks like the S&P 500 or global indices, this profile suggests competitive growth with drawdowns in line with a stock‑heavy mix. It’s encouraging, but it’s still based on history; future markets can behave very differently, so planning should assume that big temporary drops remain possible.
Projection
The Monte Carlo analysis runs 1,000 simulated futures using past return and volatility patterns, then shows a range of possible outcomes. Here, the median outcome is about 617% of the starting value, with the low‑end 5th percentile still at roughly 145%, and an overall simulated annualized return of about 16%. That paints a very optimistic growth picture, consistent with an aggressive equity allocation. Still, Monte Carlo is only as good as the assumptions: it re‑mixes history and doesn’t foresee new crises or regime shifts. Treat these numbers as a rough map of possibilities, not a promise of what will actually happen.
Asset classes
- US Equity 65%
- Stocks 19%
By asset class, this is almost pure equity: around 84% is tagged specifically as U.S. and other equity, and the rest of the “equity” label captures additional global stocks. There’s effectively 0% in bonds, cash, or “other” defensive buckets. Compared to a typical balanced benchmark, which might hold 40%–60% in bonds, this is much more growth‑oriented. The upside is higher expected returns over long horizons; the downside is sharper declines when markets fall. Keeping separate emergency cash and short‑term savings is crucial so that this equity engine doesn’t need to be tapped at the worst possible moments.
Sectors
- Technology 26%
- Financials 18%
- Industrials 10%
- Consumer Discretionary 9%
- Telecommunications 8%
- Health Care 8%
- Basic Materials 6%
- Energy 6%
- Consumer Staples 5%
- Utilities 2%
- Real Estate 2%
Sector exposure is well spread across 11 sectors, with technology the largest at 26%, followed by financials at 18%, and then meaningful stakes in industrials, consumer cyclicals, communications, and healthcare. This pattern is broadly in line with many global equity benchmarks, which is a strong indicator of good diversification. The tech and growth tilt means the portfolio can shine when innovation and digital businesses do well but may feel more volatile during periods of rising interest rates or regulatory pressure on big tech. Because no single sector dominates beyond tech, the balance helps reduce the risk of any one industry derailing long‑term results.
Regions
- North America 85%
- Europe Developed 7%
- Japan 3%
- Asia Emerging 2%
- Asia Developed 2%
- Australasia 1%
- Africa/Middle East 1%
Geographically, about 85% of the allocation is in North America, with modest slices in developed Europe and Japan, and smaller allocations to emerging Asia, developed Asia, Australasia, and Africa/Middle East. That’s more North America–heavy than a fully global benchmark, which typically has closer to 60% in that region. The positive: this lines up with where many of the world’s largest, most profitable companies currently reside and has historically been rewarding. The trade‑off is extra sensitivity to North American economic cycles and policy. Keeping some diversification overseas is helpful, but this still clearly leans toward the home region.
Market capitalization
- Mega-cap 46%
- Large-cap 32%
- Mid-cap 18%
- Small-cap 3%
- Micro-cap 1%
Market‑cap exposure is dominated by mega and big companies: about 46% in mega‑caps, 32% in big caps, then 18% in mid, and only small slices in small and micro caps. Large firms tend to be more stable, with diverse revenue streams and better access to financing, which fits nicely with the low‑volatility tilt seen elsewhere. The smaller positions in small and micro caps still provide some extra growth potential, but they won’t drive the bus. This large‑cap skew means returns will closely track well‑known global indices, with fewer surprises from niche or speculative companies.
True holdings
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VT Vanguard Total Stock Market Index Fund ETF Shares 25.79%
Part of fund(s):- Vanguard All-Equity ETF Portfolio
- Vanguard US Total Market
-
VW Vanguard FTSE Emerging Markets Index Fund ETF Shares 4.32%
Part of fund(s):- Vanguard All-Equity ETF Portfolio
- Vanguard FTSE Emerging Markets All Cap Index ETF
-
NV NVIDIA Corporation 2.93%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard S&P 500 Index ETF
-
AA Apple Inc 2.66%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard S&P 500 Index ETF
-
MS Microsoft Corporation 1.98%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard S&P 500 Index ETF
-
AM Amazon.com Inc 1.39%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard S&P 500 Index ETF
-
RY Royal Bank of Canada 1.36%
Part of fund(s):- Vanguard All-Equity ETF Portfolio
- Vanguard FTSE Canada All Cap
-
GO Alphabet Inc Class A 1.23%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard S&P 500 Index ETF
-
AV Broadcom Inc 1.03%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard S&P 500 Index ETF
-
GO Alphabet Inc Class C 0.98%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard S&P 500 Index ETF
- Top 10 total 43.67%
Looking through the ETFs, the biggest underlying exposure is a total U.S. stock market fund at about 26% of the portfolio, plus dedicated emerging markets exposure around 4%. The top individual companies include NVIDIA, Apple, Microsoft, Amazon, Royal Bank of Canada, and Alphabet, many of which appear through both the all‑equity ETF and the S&P 500 ETF. This creates hidden concentration, because the same big names are reached from multiple directions. Overlap is common in index‑based portfolios and not necessarily bad, but it means the portfolio will be driven heavily by large U.S. growth companies, so understanding that tilt is important.
Factors
Factor exposure shows strong tilts toward low volatility (70%) and momentum (60.5%), with moderate value (25%) and size (20%) signals. Factors are like the underlying “traits” that explain how and why investments move: momentum favors recent winners, while low volatility favors steadier stocks. Together, this setup can perform well in trending markets and may cushion some downside versus a pure high‑beta growth profile. However, momentum can suffer during sharp reversals, and factor relationships change over time. With only partial coverage and no clear readings for quality or yield, it’s wise to see these numbers as directional hints, not precise blueprints.
Risk contribution
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Vanguard All-Equity ETF Portfolio
Weight: 60.00% 57.3% -
Vanguard S&P 500 Index ETF
Weight: 40.00% 42.7%
Risk contribution reveals how much each holding drives the portfolio’s overall ups and downs. Here, the all‑equity ETF is 60% of the weight but contributes about 57% of risk, while the S&P 500 ETF is 40% of weight and around 43% of risk. A risk‑to‑weight ratio near 1 for both means risk is nicely aligned with allocations; nothing is secretly dominating volatility beyond its size. This is a positive sign that the structure is clean and intentional. If, in the future, one ETF became much more volatile, adjusting weights could help keep the risk balance consistent with your comfort level.
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 versus return optimization data isn’t fully provided, but we can still frame how it would apply. The efficient frontier shows the best possible return for each risk level using only these two ETFs with different weights. If your current 60/40 mix sits below that curve, rebalancing toward the “optimal” or similar‑risk point could potentially increase expected return or reduce volatility without adding new products. If it already lies close to the frontier, that’s confirmation the allocation is efficient. Either way, future tweaks are mostly about fine‑tuning the split between global all‑equity and pure U.S. exposure.
Dividends
- Vanguard S&P 500 Index ETF 0.20%
- Weighted yield (per year) 0.08%
Dividend yield is very low: the S&P 500 ETF’s yield is around 0.20%, and the overall portfolio yield is roughly 0.08%. That tells you the return focus is overwhelmingly on price growth rather than income. For an investor still in the accumulation phase, this can be attractive, since retained earnings are often reinvested for growth inside the companies. The trade‑off is that this setup won’t generate meaningful cash flow on its own. Anyone seeking regular income payments would generally need either different products or to create “homemade dividends” by occasionally selling a small portion of holdings.
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