Boringly sensible index portfolio that somehow still manages to underachieve a plain US stock fund
Report created on Apr 3, 2026Risk profile
- Secure Speculative
The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.
Diversification profile
- Focused Diversified
The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 60.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 40.00%
This isn’t a portfolio so much as a two-ETF arranged marriage: 60% total US market and 40% total international. It’s the Ikea starter kit of investing — functional, sturdy, zero personality, and you can assemble it in five minutes. On the plus side, at least it’s not some Frankenstein mix of 14 overlapping funds with no logic. But calling this “balanced” is generous; it’s 100% stocks dressed up with a moderate risk label. The main takeaway: structurally sane, but anyone pretending this is sophisticated is kidding themselves. It’s simple, it works, and it absolutely lives or dies with global equities.
Growth
Historically, this thing turned $1,000 into about $3,056, with a CAGR of 11.87%. Respectable, but the US market alone did 13.90%, so your “diversified grown-up” choice actually lagged the loud, all‑US cousin. Against the global market, you squeaked out a tiny edge, which is nice but not life‑changing. Max drawdown was about -34.5%, so when markets panicked in 2020, this dropped like everything else — no magical cushion here. CAGR (Compound Annual Growth Rate) is just the smooth average speed of that rollercoaster. Past data is like yesterday’s weather: useful, but it won’t swear on anything in court.
Projection
The Monte Carlo simulation basically ran 1,000 alternate futures and asked, “How bad or good could this get?” Median outcome: $1,000 becomes about $2,773 in 15 years — decent, not legendary. There’s a 72.8% chance you end positive, but also a non‑trivial shot that you end roughly flat or worse. The range from around $945 to $7,625 screams: outcome roulette. Simulations assume history and volatility patterns kind of rhyme with the past, which is optimistic at best. Think of this as a weather forecast two weeks out: helpful directionally, absolutely not a promise. Takeaway: expect growth, but don’t write future net worth in pen.
Asset classes
- Stocks 100%
Asset class breakdown: 100% stocks, 0% anything else. For a “balanced” risk label, that’s more like “we balance between regular turbulence and hard turbulence.” No bonds, no cash buffer, no real diversifiers — just pure equity beta, wall to wall. That’s fine if the time horizon is long and nerves are sturdy, but it’s not exactly a chill ride during market crashes. Asset classes are just different economic beasts; when you only own one, you’re betting the farm on that species surviving every storm. The upside is simplicity; the downside is watching everything move in one direction at the same time — especially down.
Sectors
- Technology 25%
- Financials 16%
- Industrials 13%
- Consumer Discretionary 10%
- Health Care 9%
- Telecommunications 8%
- Consumer Staples 5%
- Basic Materials 5%
- Energy 4%
- Utilities 3%
- Real Estate 3%
Sector mix screams “I bought the whole market and called it a day.” Tech at 25% leads the parade, followed by a healthy chunk in financials and industrials, then smaller slices in everything else. So you’re diversified, but still very much living in a tech‑centric world, whether you meant to or not. It’s like saying you eat a varied diet, but 25% of it is coffee and sugar. When tech booms, you look smarter than you are; when tech gets punched, the portfolio feels it. The good news: at least you didn’t go all‑in on something obscure and fashionable — this is mainstream herd exposure.
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, this is basically “America first, but not totally blind to the rest of the planet.” About 63% in North America, with the rest drip‑fed to Europe, Japan, and assorted other regions in tiny polite doses. It’s global-ish, but the US is clearly the main character and everyone else is background cast. For a US‑based investor, that’s not insane — home bias is the default sin — but the tilt is still obvious. If the US crushes it, this looks great; if the US stumbles while other regions shine, you’ll lag. At least you bothered to leave the zip code, which is more than many.
Market capitalization
- Mega-cap 43%
- Large-cap 30%
- Mid-cap 18%
- Small-cap 5%
- Micro-cap 1%
Market cap breakdown: 43% mega‑cap, 30% large, 18% mid, and a token 6% spread between small and micro. Translation: you bought the whole market, but the giants drive the bus and the little guys cling to the roof. That’s what market‑cap weighting does — it hands the steering wheel to whatever is already huge. You’re not making an active bet on small caps; you’re barely giving them lunch money. In boom years for the behemoths, that’s fine, but if smaller companies ever outperform, you’re underexposed. The setup is logical, just not adventurous. This is “go with the crowd, not against it.”
True holdings
-
NV NVIDIA Corporation 3.71%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 3.53%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.65%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.83%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.64%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.37%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.37%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.30%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.28%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.03%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 19.70%
Looking through the ETFs, the top exposures are basically the tech megacap fan club: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, plus a sprinkle of Broadcom and TSMC. You didn’t pick them, but you absolutely own the usual suspects. There’s overlap because both US and international indexes often lean on a small global elite at the top, even if the exact names differ slightly. And remember, we only see top‑10 holdings — the real overlap is larger. The hidden message: you’re “diversified,” yet a handful of giants have a big say in your result. Market-cap indexing quietly crowns the same royalty everywhere.
Factors
Factor-wise, this thing is aggressively average. Value, size, momentum, quality, yield, low volatility — all sitting near “neutral,” like the portfolio equivalent of beige paint. Factor exposure is just the hidden flavors: cheap vs expensive, big vs small, trendy vs boring, etc. Here, you’ve basically signed up for “whatever the market does, I’ll just follow along.” The upside: you’re not secretly making some crazy factor bet without noticing. The downside: when certain styles win big — like value comebacks or quality rallies — you’re not leaning into them at all. It’s almost suspicious how reasonable this looks. Either homework was done, or sheer luck struck.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 60.00% 62.5% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 40.00% 37.5%
Risk contribution is where we see who’s really shaking the portfolio around. The 60% US fund delivers about 62.5% of total risk, and the 40% international fund brings 37.5%. So no sleeper agent here: what’s big is risky, what’s smaller is less so, exactly as labeled on the tin. Risk contribution just shows who hogs the volatility spotlight, and in this case both funds are roughly behaving. Still, one decision — that 60/40 split — basically sets the entire ride quality. If someone tweaks that, the feel of the portfolio changes fast. No single holding is going rogue, which is unexciting in the best way.
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 efficient frontier, this portfolio is basically sitting right where it should be, like a student who actually read the assignment. Sharpe ratio of 0.5 vs a max of 0.73 shows there’s a “better” point if you accept slightly more risk, but given only two holdings, you’re already on or near the frontier. Sharpe just measures return per unit of risk — how much pain you take per unit of gain. The chart says: with these ingredients, you’re using them pretty efficiently. No clownish misweighting, no obvious self‑sabotage. Annoyingly competent, for something this simple. Don’t get cocky, but you haven’t messed this up.
Dividends
- Vanguard Total Stock Market Index Fund ETF Shares 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- Weighted yield (per year) 1.92%
Yield is about 1.92%, with the international sleeve doing the heavy lifting at around 3.0% and the US side barely bothering at 1.2%. This is not an income machine; it’s a “maybe buy coffee, not rent” setup. Dividends are just companies handing you cash instead of reinvesting it, but you’re clearly tilted toward total return rather than living off payouts. That’s fine for long‑term growth, less great if someone was picturing steady checks. Also, dividend yields move over time with prices and policies, so treating that 1.92% as fixed would be wishful thinking. Still, at least it isn’t a zero — it’s just not a paycheck.
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%
Costs are hilariously low: a blended TER around 0.04%. That’s basically couch cushion money. You’re paying Vanguard less than a cheap streaming subscription to manage the entire global equity market for every $10,000. TER (Total Expense Ratio) is the silent leak from your returns; here it’s more of a slow drip than a hole in the bucket. You actually did click the right ETFs instead of their overpriced cousins — whether that was skill or blind luck, it works. Sure, we can’t roast the fees, but we can say this: if performance ever lags badly, you won’t be able to blame costs. It’ll be all market.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey