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Globally diversified stock portfolio with strong tech tilt and balanced risk across major regions

Report created on Aug 17, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification
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Positions

This portfolio is a five‑ETF, all‑equity mix with a clear global structure. Roughly half is broad US exposure, with an extra tilt to large US growth via the NASDAQ 100 fund. The rest is split across Canada, developed markets outside North America, and emerging markets. This buy‑and‑hold setup means the relative weights drift over time with market movements, rather than being forced back to targets. A structure like this behaves much like a single, global stock fund, but with more explicit control over regional tilts. The mix is straightforward, transparent, and easy to understand, which is helpful when trying to connect long‑term performance with what the underlying pieces are actually doing.

Growth Info

From May 2021 to August 2026, $1,000 in this portfolio grew to about $2,095, a compound annual growth rate (CAGR) of 15.3%. CAGR is like your average speed on a long road trip, smoothing out bumps along the way. Over this period, the portfolio slightly lagged the US market benchmark but outpaced the global market benchmark, showing that its blend of US and international exposure has been competitive. The deepest drop, or max drawdown, was about -21.4%, similar to the benchmarks, with a recovery taking around 17 months. That pattern is typical for a diversified stock portfolio: strong long‑term growth potential, but with meaningful swings that require patience through downturns.

Projection Info

The forward projection uses a Monte Carlo simulation, which is basically a thousand “what if” replays of the future using patterns from history. Each run shuffles returns and volatility in different ways to show a range of possible outcomes, not a single forecast. Here, the median path turns $1,000 into about $2,531 after 15 years, with a wide but reasonable band between roughly $1,717 and $3,924 for the middle half of scenarios. Annualized across all simulations, the average return is 7.56%. These numbers are helpful for understanding uncertainty, but they still rely on past data and assumptions, so they can’t guarantee any particular future result.

Asset classes Info

  • US Equity
    75%
  • Stocks
    20%
  • Other
    5%

Almost everything here is equity, with 75% specifically tagged as US equity, 20% as a general “stocks” bucket, and 5% as “other” within the classification system. That means the portfolio’s behavior is dominated by stock market movements rather than bonds or cash. Compared with a more mixed stock‑bond blend, this naturally brings higher long‑term return potential and higher short‑term volatility. The allocation is well‑balanced across global equity segments, which supports diversification within the stock world itself. Because the focus is on growth assets, drawdowns can be noticeable, but the broad spread across different markets helps avoid being overly reliant on any single asset class category.

Sectors Info

  • Technology
    29%
  • Financials
    18%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Basic Materials
    6%
  • Health Care
    6%
  • Energy
    5%
  • Consumer Staples
    5%
  • Utilities
    2%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is nicely spread, with technology at 29% being the clear leader, followed by financials at 18% and a mix of industrials, consumer discretionary, telecom, materials, health care, energy, staples, utilities, and real estate. This pattern is broadly similar to many global equity benchmarks that currently have tech as their largest slice. A strong tech tilt often boosts returns during innovation‑driven bull markets but can be more sensitive during periods of rising interest rates or when growth stocks fall out of favor. The good news is that the rest of the portfolio still covers a full range of economic areas, which helps avoid being entirely at the mercy of a single sector’s cycle.

Regions Info

  • North America
    70%
  • Europe Developed
    11%
  • Asia Developed
    6%
  • Asia Emerging
    5%
  • Japan
    5%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 70% is in North America, with the remainder spread across developed Europe, Japan, other developed Asia, and diverse emerging regions. This creates a clear North American anchor while still capturing a meaningful share of global markets outside that region. Relative to global equity benchmarks, the tilt toward North America is noticeable but not extreme, and the allocation to Europe and Asia provides exposure to different economic and currency environments. That mix can help soften the impact if any one region faces a prolonged slowdown. The small allocations to Africa, Latin America, and the Middle East add further breadth, even if their direct impact on overall performance remains modest.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    31%
  • Mid-cap
    16%
  • Small-cap
    4%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

By market capitalization, the portfolio leans heavily into the largest companies: 47% in mega‑caps and 31% in large‑caps, with the balance in mid, small, and micro‑caps. This shape is quite close to a typical global market‑cap‑weighted index, where giants naturally dominate the value of the market. Bigger firms often bring more stability and liquidity, while the smaller segments introduce extra growth potential and volatility. Having a meaningful but not dominant slice in mid and smaller caps adds diversification across different business sizes and business cycles. Overall, the structure supports a core exposure to established companies while still leaving room for more dynamic, smaller players to influence returns at the margin.

True holdings Info

  • NVIDIA Corporation
    3.31%
    Part of fund(s):
    • CI Invesco NASDAQ 100 Index ETF
    • Invesco NASDAQ 100 ETF
    • Vanguard Index Funds - Vanguard Total Stock Market ETF
    • Vanguard US Total Market
  • Apple Inc.
    3.17%
    Part of fund(s):
    • CI Invesco NASDAQ 100 Index ETF
    • Invesco NASDAQ 100 ETF
    • Vanguard Index Funds - Vanguard Total Stock Market ETF
    • Vanguard US Total Market
  • Microsoft Corporation
    2.79%
    Part of fund(s):
    • CI Invesco NASDAQ 100 Index ETF
    • Invesco NASDAQ 100 ETF
    • Vanguard Index Funds - Vanguard Total Stock Market ETF
    • Vanguard US Total Market
  • Amazon.com Inc
    1.93%
    Part of fund(s):
    • CI Invesco NASDAQ 100 Index ETF
    • Invesco NASDAQ 100 ETF
    • Vanguard Index Funds - Vanguard Total Stock Market ETF
    • Vanguard US Total Market
  • Royal Bank of Canada
    1.68%
    Part of fund(s):
    • Vanguard FTSE Canada All Cap
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.56%
    Part of fund(s):
    • Vanguard FTSE Emerging Markets All Cap Index ETF
    • Vanguard FTSE Emerging Markets Index Fund ETF Shares
  • Meta Platforms Inc.
    1.20%
    Part of fund(s):
    • CI Invesco NASDAQ 100 Index ETF
    • Invesco NASDAQ 100 ETF
    • Vanguard Index Funds - Vanguard Total Stock Market ETF
    • Vanguard US Total Market
  • Toronto Dominion Bank
    1.18%
    Part of fund(s):
    • Vanguard FTSE Canada All Cap
  • Alphabet Inc Class A
    1.14%
    Part of fund(s):
    • CI Invesco NASDAQ 100 Index ETF
    • Invesco NASDAQ 100 ETF
    • Vanguard Index Funds - Vanguard Total Stock Market ETF
    • Vanguard US Total Market
  • Broadcom Inc
    1.01%
    Part of fund(s):
    • CI Invesco NASDAQ 100 Index ETF
    • Invesco NASDAQ 100 ETF
    • Vanguard Index Funds - Vanguard Total Stock Market ETF
    • Vanguard US Total Market
  • Top 10 total 18.97%

This breakdown covers the equity portion of your portfolio only.

Looking through the ETFs, the top underlying positions show notable concentration in a few global giants. NVIDIA, Apple, Microsoft, Amazon, Meta, Alphabet, and Broadcom together take up a meaningful portion of the equity exposure, largely via overlapping US and NASDAQ‑focused funds. Canadian banks such as Royal Bank of Canada and TD also appear as significant holdings. Because the same big names show up in multiple ETFs, the actual economic exposure to them is higher than any single fund’s weight suggests. This overlap is normal in broad index investing, but it does mean a handful of large tech and financial companies quietly drive a meaningful share of the portfolio’s day‑to‑day moves.

Risk contribution Info

  • Vanguard US Total Market
    Weight: 30.00%
    31.5%
  • CI Invesco NASDAQ 100 Index ETF
    Weight: 20.00%
    27.8%
  • Vanguard FTSE Developed All Cap ex North Amer Idx ETF
    Weight: 20.00%
    17.5%
  • Vanguard FTSE Canada All Cap
    Weight: 20.00%
    15.0%
  • Vanguard FTSE Emerging Markets All Cap Index ETF
    Weight: 10.00%
    8.2%

Risk contribution shows how much each ETF adds to the portfolio’s overall ups and downs, which can differ from its simple weight. Here, the NASDAQ 100 fund is 20% of the assets but contributes about 27.8% of total risk, giving it the highest risk‑to‑weight ratio. In contrast, the Canada, developed ex‑North America, and emerging markets funds contribute less risk than their weights. The top three holdings together account for about 76.8% of the portfolio’s total volatility. This pattern is common when one component is more concentrated in growth sectors: even if its weight is moderate, its higher volatility and correlation with other holdings give it an outsized influence on the ride.

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.

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The efficient frontier analysis compares the current mix with the best achievable combinations of these same ETFs. The current portfolio’s Sharpe ratio of 0.86, a measure of return per unit of risk, sits below both the optimal Sharpe of 1.16 and the minimum‑variance option at 1.03. It’s also about 1.78 percentage points under the efficient frontier at its current risk level, meaning the same ingredients could be weighted differently to target better risk‑adjusted returns. Importantly, this doesn’t require adding new products; it’s about how much of each existing ETF is held. Even so, this is based on historical relationships, which may not repeat exactly in the future.

Dividends Info

  • CI Invesco NASDAQ 100 Index ETF 0.30%
  • Vanguard FTSE Canada All Cap 1.90%
  • Vanguard FTSE Emerging Markets All Cap Index ETF 1.80%
  • Vanguard FTSE Developed All Cap ex North Amer Idx ETF 2.20%
  • Vanguard US Total Market 0.70%
  • Weighted yield (per year) 1.27%

The overall dividend yield of about 1.27% is relatively modest, reflecting the growth‑oriented tilt and the significant allocation to US and NASDAQ‑linked equities. Individual funds range from very low yields around 0.3% for NASDAQ exposure up to roughly 2.2% for developed markets outside North America. Dividends act like a small, steady drip of return on top of price movements, and they can be especially valuable during flat or choppy markets. In this portfolio, most of the long‑term return potential is likely to come from capital growth rather than income, which aligns with the emphasis on large, innovative companies rather than high‑payout, slower‑growth businesses.

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