Broad global equity blend with strong technology tilt and efficient risk adjusted growth profile
Report created on May 10, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 40.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 40.00% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 20.00%
This portfolio is made up of three stock ETFs: broad US equities, broad international equities, and a focused technology fund. The two total-market funds together account for 80% of the weight, providing wide exposure across thousands of companies. The remaining 20% is in a dedicated tech ETF, which adds a clear tilt toward one fast-growing area. Structurally, this is a simple buy-and-hold equity mix with no bonds or cash, so its ups and downs are closely tied to stock markets. The combination of broad “core” holdings plus one satellite position creates both diversification and a noticeable emphasis on growth-oriented businesses.
Growth
From 2016 to 2026, $1,000 in this portfolio grew to about $4,536, which works out to a 16.38% compound annual growth rate (CAGR). CAGR is like your average speed on a long road trip, smoothing out the bumps along the way. Over this period the portfolio slightly beat the US market and clearly outperformed the global market benchmark, while having a similar maximum drawdown around -34%. That drawdown came fast during early 2020, with a full recovery in about four months. This history shows strong growth but also the typical sharp swings of an all-stock, growth-leaning portfolio.
Projection
The Monte Carlo projection uses past returns and volatility to simulate many possible future paths for $1,000 over 15 years. Think of it as running 1,000 alternate histories where returns vary randomly based on historical patterns. The median outcome lands around $2,709, with a “middle” range from roughly $1,762 to $4,127 and a wide possible band from $971 to $7,713. The average simulated annual return is about 8.01%, and around 72% of simulations end positive. These numbers are not predictions; they simply show how outcomes could cluster if the future ended up behaving statistically like the past, which it rarely does exactly.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with 0% in bonds, real estate funds, or cash-like assets. That makes the asset mix straightforward but also means there is no built-in buffer from traditionally steadier asset classes. When stocks do well, a 100% equity allocation often benefits more; when stocks fall hard, there’s nothing here intended specifically to dampen those drops. In contrast, many broad benchmarks include some exposure to bonds or lower-volatility assets in multi-asset mixes. So the asset-class profile aligns with a growth-oriented approach that accepts more short-term movement in exchange for higher long-term return potential.
Sectors
- Technology 39%
- Financials 14%
- Industrials 10%
- Consumer Discretionary 8%
- Health Care 7%
- Telecommunications 6%
- Consumer Staples 4%
- Basic Materials 4%
- Energy 4%
- Utilities 2%
- Real Estate 2%
Sector-wise, technology stands out at about 39% of the portfolio, well above what a typical global equity benchmark would hold. Financials, industrials, consumer, health care, and other areas are present but each at much smaller weights, giving some balance without offsetting the tech emphasis. A large tech share often means more sensitivity to interest rates, innovation cycles, and investor sentiment around growth companies. It can also amplify both gains and losses during big swings in that sector. The rest of the sector mix, however, is reasonably spread out, which helps prevent the portfolio from becoming a single-theme bet outside technology.
Regions
- North America 63%
- Europe Developed 15%
- Japan 6%
- Asia Developed 6%
- Asia Emerging 6%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 63% of the portfolio is linked to North America, with the rest spread across developed Europe, Japan, other developed Asia, and several emerging regions. This tilt is somewhat heavier toward North America than a classic global index, but still leaves meaningful room for international diversification. That foreign exposure lets the portfolio tap into multiple economies and currencies, not just one. During periods when US markets lead, a North America tilt can help; when other regions outperform, the international slice contributes. Overall, this global spread is well-balanced and aligns closely with broad global standards while still recognizing the size of the US market.
Market capitalization
- Mega-cap 44%
- Large-cap 30%
- Mid-cap 17%
- Small-cap 6%
- Micro-cap 2%
The portfolio leans strongly toward larger companies: roughly 44% in mega-caps and 30% in large-caps, with the rest in mid-, small-, and micro-caps. Market capitalization (market cap) is basically company size measured by share price times shares outstanding. Bigger companies tend to be more established and sometimes less volatile than very small firms, though they can still move a lot. The presence of mid- and smaller-cap stocks adds some extra growth and diversification, since those companies can behave differently from giants. This size mix looks quite similar to many total-market indexes, which naturally allocate more money to bigger companies but still include a long tail of smaller names.
True holdings
-
NV NVIDIA Corporation 6.26%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 5.54%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.79%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.81%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.38%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
AM Amazon.com Inc 1.28%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.06%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 0.84%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.80%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 0.66%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 23.43%
Looking through to the top ETF holdings, several large technology and growth-oriented companies appear multiple times, including NVIDIA, Apple, Microsoft, and others. NVIDIA alone totals about 6.26% exposure and Apple about 5.54%, even though there are no single-stock positions. This overlap happens because broad market funds and sector funds both own the same major names. It creates a form of hidden concentration: the portfolio is more dependent on a handful of big companies than the individual ETF weights might suggest. Since only top-10 ETF holdings are counted, the true overlap could be a bit higher than shown, but the pattern is already clear.
Factors
Factor exposure scores across value, size, momentum, quality, yield, and low volatility all sit in the “neutral” band around 50%. Factors are characteristics like “cheap vs. expensive” (value) or “stable vs. jumpy” (low volatility) that academic research has tied to long-run return patterns. A neutral reading means the portfolio behaves broadly like the overall market on these dimensions, without strong tilts toward or away from any particular factor. This suggests that, beyond its tech and regional tilts, the portfolio’s return drivers are not heavily loaded on one academic style. That can help avoid being overly exposed to one factor cycle at the expense of others.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 40.00% 39.5% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 40.00% 35.2% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 20.00% 25.3%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weight. Here, the US total market fund contributes about 39.5% of risk, close to its 40% weight, while the international fund contributes slightly less risk than weight. The dedicated technology ETF, at 20% weight, accounts for roughly 25.3% of total risk, with a risk-to-weight ratio of 1.27. That means this fund is punchier than its size suggests, pulling more than its share of volatility. The concentration of almost all risk in just three holdings simply reflects that the whole portfolio is built from these three ETFs.
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 efficient frontier chart compares this portfolio’s risk and return to the best possible mixes using just these three funds. The current allocation has a Sharpe ratio of 0.65, slightly below the minimum-variance mix (0.66) and below the mathematically “optimal” Sharpe of 1.0, which comes with higher expected return and higher volatility. The key takeaway is that the portfolio already sits on or very near the efficient frontier. In plain terms, for the chosen level of risk, the combination of holdings is making good use of what’s available. Any big shift along the frontier would mostly involve trading off more risk for more potential return or vice versa, not fixing obvious inefficiencies.
Dividends
- Vanguard Information Technology Index Fund ETF Shares 0.30%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.54%
The portfolio’s overall dividend yield is about 1.54%, combining a low-yield technology ETF (0.30%) with moderate yields from the total US (1.00%) and especially the total international fund (2.70%). Dividend yield is the annual cash payout as a percentage of current price, similar to rent on a property. Here, most of the expected return historically has come from price growth rather than income. This pattern is common in growth-tilted and tech-heavy equity mixes, where companies often reinvest profits instead of paying high dividends. The international slice adds a bit more income, so the portfolio still collects regular cash flows, but they’re a minor part of the overall return story.
Ongoing product costs
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- 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 costs, measured by Total Expense Ratio (TER), average around 0.05% per year across the three ETFs. That is impressively low and compares favorably with many actively managed funds, which can charge several times more. Fees come off returns every year, so even small differences compound over time—much like a slow leak in a bucket. Here, the “leak” is very small, meaning more of the portfolio’s gross returns stay in the account. Using broad, low-cost index funds as the core is well-aligned with modern best practices for cost control and supports better long-term performance compared with higher-fee approaches holding similar exposures.
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