Strong US tilted equity portfolio with broad global diversification and very low ongoing costs
Report created on Jun 23, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 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 a simple three‑ETF mix that is 100% in stocks. Around two thirds sits in a broad US large‑cap index, one fifth in a total international stock fund, and the remaining slice in a NASDAQ 100 tracker tilted toward large US growth names. Structurally, this means the core is diversified across many companies, with an intentional lean toward the US and growth‑oriented firms. A compact structure like this is easy to understand and track. It also means most of the portfolio’s behavior will be driven by global equity markets rather than cash or bonds, which is consistent with its “balanced” risk label leaning clearly toward growth assets.
Growth
From late 2020 to mid‑2026, a hypothetical $1,000 in this mix grew to about $2,264. That works out to a Compound Annual Growth Rate (CAGR) of 15.52%, which is similar to the US market benchmark and ahead of the global benchmark. CAGR is like average speed on a road trip, smoothing out bumps along the way. The portfolio’s worst peak‑to‑trough drop was about ‑26%, a bit deeper than the US benchmark but very close to the global market. This pattern suggests returns have been strong, with volatility in line with equity markets generally, and not unusually extreme given the tech and US tilts.
Projection
The Monte Carlo simulation projects many possible 15‑year paths using historical volatility and returns as a guide. Monte Carlo is basically a “what if” engine: it reruns history thousands of times with small random twists to show a range of plausible futures. The median result turns $1,000 into about $2,676, with a wide but informative band from roughly $1,727 to $4,239 in the middle half of scenarios. There are even more extreme good and bad outcomes. This highlights that while long‑term growth is likely positive in most simulations, results can vary a lot, and nothing guarantees the future will match these estimates.
Asset classes
- Stocks 100%
All of the portfolio sits in stocks, with no allocation to bonds, cash, or other asset classes. That simplifies the picture: returns will almost entirely track the ups and downs of global equity markets. In many diversified portfolios, bonds and cash act as stabilizers, dampening volatility when stocks fall. Here, that role is effectively absent, so the ride is more closely tied to equity cycles. On the upside, a pure stock allocation maximizes exposure to long‑term growth of companies worldwide. On the downside, it leaves less built‑in protection during periods of market stress or prolonged equity bear markets.
Sectors
- Technology 34%
- Financials 13%
- Telecommunications 10%
- Consumer Discretionary 10%
- Industrials 9%
- Health Care 8%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is clearly tilted toward technology, at roughly one third of the portfolio, with the rest spread across financials, telecom, consumer sectors, industrials, health care, and smaller slices elsewhere. This is more tech‑heavy than a classic broad global index, influenced by both the S&P 500 and especially the NASDAQ 100 component. Tech‑heavy portfolios can shine when innovation and growth stocks are leading markets, but they can also feel sharper drawdowns when interest rates rise or sentiment turns against high‑growth names. The sector spread beyond tech is still reasonably broad, helping to avoid being a single‑theme portfolio.
Regions
- North America 81%
- Europe Developed 7%
- Asia Developed 3%
- Japan 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
Geographically, the portfolio is strongly tilted toward North America at about 81%, with modest exposure across Europe, Japan, developed Asia, emerging Asia, and smaller allocations to Australasia and Africa/Middle East. This goes beyond global market weights, which generally give the US a large but not quite this dominant share. A US‑tilted approach has benefited from strong US equity performance in recent years. The trade‑off is that economic, political, and currency developments in one region drive most of the portfolio’s behavior. The international sleeve still meaningfully broadens the opportunity set beyond a purely domestic strategy.
Market capitalization
- Mega-cap 47%
- Large-cap 34%
- Mid-cap 17%
- Small-cap 1%
Market capitalization exposure leans heavily toward mega‑cap and large‑cap companies, together making up over 80% of the portfolio. Mid‑caps add another meaningful slice, while small‑caps are barely represented. Large‑cap dominance is typical of broad index funds, since these companies represent most of total market value. Bigger firms tend to be more stable and widely followed, which can reduce idiosyncratic risk compared with very small companies, but may also limit exposure to some of the highest‑growth, higher‑risk names. Overall, this size profile is very close to standard index behavior rather than a pronounced small‑cap or micro‑cap tilt.
True holdings
-
NV NVIDIA Corporation 6.34%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 5.64%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 4.07%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.27%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.73%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.58%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.21%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 1.68%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.65%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.49%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 31.67%
Looking through to the top underlying holdings, a handful of large technology and consumer names appear prominently across the ETFs. Companies like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and others each make up noticeable total exposures, often via more than one fund. This creates some hidden concentration: even though each ETF is diversified on its own, overlapping top positions mean a relatively small group of mega‑caps drives a meaningful share of portfolio performance. Because this view only covers ETF top‑10 holdings, overlap is likely understated, but it still highlights how influential the largest global companies are here.
Factors
Factor exposure is broadly neutral across all six measured factors: value, size, momentum, quality, yield, and low volatility are each close to market‑average levels. Factor investing looks at characteristics that explain returns, like whether companies are cheap (value) or stable (low volatility). A neutral profile means the portfolio behaves similarly to a broad market index, without strong tilts toward any one style. This can be helpful because returns are driven more by overall market direction than by specific factor cycles. It also means the portfolio isn’t making big bets on styles like deep value or high momentum.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 70.00% 70.2% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 17.0% -
Invesco NASDAQ 100 ETF
Weight: 10.00% 12.8%
Risk contribution shows how much each ETF adds to overall portfolio ups and downs, which can differ from its weight. Here, the S&P 500 fund is 70% of the portfolio and contributes about 70% of the risk, almost exactly proportional. The international fund’s risk share is slightly lower than its weight, while the NASDAQ 100 slice contributes more risk than its 10% allocation, reflecting its higher volatility. This pattern is typical when growth and tech‑heavy indices are added. Overall, risk is not dominated by a single extreme outlier, but the NASDAQ 100 still plays an outsized role relative to its size.
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 analysis shows this portfolio sitting on or very close to the curve of best possible risk‑return combinations using these three ETFs. The Sharpe ratio—return per unit of risk after adjusting for a risk‑free rate—is 0.72 for the current mix, compared with 0.92 for the mathematically optimal combination and 0.85 for the minimum‑risk mix. An efficient frontier illustrates the trade‑off between risk and return for different weights. Being near this line suggests the current allocation is already using these building blocks effectively, and the overall balance between risk and return is internally consistent.
Dividends
- Invesco NASDAQ 100 ETF 0.40%
- Vanguard S&P 500 ETF 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.50%
- Weighted yield (per year) 1.24%
The blended dividend yield is about 1.24%, with the international fund contributing the highest yield and the NASDAQ 100 the lowest. Dividend yield is the annual cash payout as a percentage of price, and here it represents a modest but steady component of total return. In a growth‑oriented equity portfolio, most long‑term gains typically come from capital appreciation rather than income. Still, having some yield provides a small cash flow, which can help smooth returns slightly when markets are flat. The relatively low yield also reflects the portfolio’s tilt toward large, growth‑focused US companies.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.05%
The weighted Total Expense Ratio (TER) for the portfolio is around 0.05%, which is extremely low by industry standards. TER is the annual fee charged by the funds, and it quietly reduces returns each year. Here, the largest position uses a very low‑cost index fund, and even the more specialized NASDAQ 100 ETF has a modest fee. Over long periods, keeping costs this low helps more of the portfolio’s gross returns stay in the account rather than going to fund providers. This cost structure is a clear strength and provides a solid foundation for long‑term compounding.
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