Strong US tilted equity portfolio with broad index funds and efficient risk adjusted performance
Report created on Apr 9, 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
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 35.00% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 35.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 15.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 15.00%
The portfolio is a simple four‑ETF, 100% stock setup: roughly 70% in broad US equities, 15% in a tech‑heavy US growth index, and 15% in broad international stocks. That means the core is diversified market exposure with an intentional lean toward large US growth companies. A structure like this is easy to understand and maintain, because each holding tracks a broad index instead of relying on active stock picking. The main implication is that returns will closely follow global equity markets, with an extra push from US large caps. For someone comfortable with stock‑market swings and wanting long‑term growth, this kind of all‑equity mix can work well.
Growth
Over the period from late 2020 to April 2026, $1,000 grew to about $1,960, giving a compound annual growth rate (CAGR) of 13.14%. CAGR is like your “average speed” over the full trip, smoothing out all the bumps. That’s slightly behind the US market benchmark but ahead of the global market, which is a solid outcome. The worst peak‑to‑trough fall was around -26.7%, which is meaningful but similar to broad markets. This shows the portfolio has behaved like a typical diversified equity mix: strong growth potential with sizeable, but not extreme, drawdowns that long‑term investors must be ready to ride out.
Projection
The Monte Carlo simulation projects many possible 15‑year paths by remixing historical return and volatility patterns. Think of it as running 1,000 alternate timelines using past data as a guide, not a prophecy. The median outcome grows $1,000 to about $2,779, with a wide “likely” range from roughly $1,765 to $4,361. That’s an annualized 8.28% across all simulations, which is reasonable for an all‑equity portfolio. But there’s also a meaningful downside: some paths end below the starting value. The key takeaway is that long‑term growth is likely, yet actual results could land far above or below the median, especially if future markets differ from the past.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with no bonds, cash, or alternative assets. Equities are the main engine of long‑term growth, but they also drive most of the ups and downs in a typical investment plan. Having 100% in stocks usually means more volatility than a classic “balanced” stock‑and‑bond mix, even though the risk classification here is labeled “balanced.” The benefit is maximizing exposure to growth assets; the trade‑off is larger short‑term drawdowns and a bumpier ride. For someone relying on this money in the near term, that could feel uncomfortable, but for long‑horizon goals it can be acceptable if the volatility is expected and planned for.
Sectors
- Technology 33%
- Financials 12%
- Telecommunications 10%
- Consumer Discretionary 10%
- Industrials 10%
- Health Care 9%
- Consumer Staples 6%
- Energy 3%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is tilted toward technology at about a third of the portfolio, with the rest spread across financials, telecom, consumer areas, industrials, health care, and smaller slices in energy, materials, utilities, and real estate. This is broadly in line with modern index weights but a bit extra tech‑heavy due to the NASDAQ 100 allocation. Tech‑rich portfolios can do very well during growth and innovation booms, but they may feel more painful when interest rates rise or when investors rotate toward more cyclical or defensive areas. The nice part is that other sectors are still present, helping cushion the impact of a single sector’s slump.
Regions
- North America 86%
- Europe Developed 6%
- Japan 2%
- Asia Developed 2%
- Asia Emerging 2%
- Australasia 1%
- Africa/Middle East 1%
Geographically, about 86% is in North America, with relatively small slices across developed Europe and Asia, Japan, and emerging regions. This is more US‑tilted than a typical global market benchmark, which usually gives the US closer to 60%. A strong US bias has been rewarding over the last decade, and this portfolio has captured that trend. The flip side is higher dependence on one economy, one currency, and one policy regime. If the US underperforms other regions for a stretch, the portfolio may lag a more globally balanced mix. Still, the international allocation does add some diversification beyond the home market.
Market capitalization
- Mega-cap 45%
- Large-cap 33%
- Mid-cap 17%
- Small-cap 3%
- Micro-cap 1%
Market‑cap exposure is dominated by mega‑ and large‑cap companies, together making up over three‑quarters of the portfolio, with modest slices in mid, small, and micro caps. This pattern closely mirrors broad index construction, where the biggest companies naturally carry the most weight. Large caps tend to be more stable and liquid, which often means smoother behavior in crises than tiny, more speculative names. The limited small‑cap exposure may reduce some potential long‑term “size premium,” but also avoids the sharper volatility that smaller companies can bring. Overall, the market‑cap mix is very much in line with a mainstream index‑based approach.
True holdings
-
NV NVIDIA Corporation 6.03%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 5.52%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 4.12%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.96%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.56%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.15%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 2.10%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 2.10%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.82%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
BR Berkshire Hathaway Inc 1.03%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 30.39%
Looking through the ETFs, the biggest underlying exposures cluster in a handful of mega‑cap US names: NVIDIA, Apple, Microsoft, Amazon, Alphabet (both share classes), Broadcom, Meta, Tesla, and Berkshire. Several of these appear in multiple ETFs, so their true influence is larger than any single fund suggests. This kind of “hidden” concentration is normal with US‑heavy index portfolios today, because the largest companies dominate the indices. The upside is strong participation in market leaders; the trade‑off is that portfolio behavior is quite tied to how a small group of tech‑related giants perform, especially during sharp rotations.
Factors
Factor exposure is essentially neutral across the board: value, size, momentum, quality, yield, and low volatility all sit around the market average. Factors are like the underlying “ingredients” that explain why certain stocks outperform at times, such as being cheap (value) or fast‑rising (momentum). A neutral profile means the portfolio behaves much like the overall market without strong tilts to any particular style. The benefit is avoiding heavy bets that can go out of favor for years; the trade‑off is not leaning into any factor that might outperform in a given cycle. This well‑balanced factor mix suits investors wanting plain‑vanilla market behavior.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 35.00% 35.3% -
Vanguard S&P 500 ETF
Weight: 35.00% 34.1% -
Invesco NASDAQ 100 ETF
Weight: 15.00% 18.7% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 15.00% 11.9%
Risk contribution shows how much each holding drives the overall volatility, which can differ from its weight. Here, the two core US funds each contribute about a third of total risk, very close to their 35% allocations. The NASDAQ 100, at 15% weight, contributes almost 19% of the risk, showing it’s a bit punchier than its size suggests. The international fund contributes less risk than its weight, thanks to diversification across regions and slightly different behavior. This pattern is pretty healthy: risk is broadly aligned with weights, with just a modest extra kick from the growth‑heavy NASDAQ slice.
Redundant positions
-
High correlationVanguard S&P 500 ETFVanguard Total Stock Market Index Fund ETF Shares
The S&P 500 ETF and the Total US Market ETF move almost identically, which makes sense because their underlying holdings largely overlap. Correlation measures how often two investments move in the same direction; high correlation means they behave almost like one combined position. In practice, splitting money between these two funds doesn’t add much diversification — it mostly fine‑tunes exposure between the largest US stocks and the broader US universe. That’s not a problem, but it does mean there’s less “independent” behavior here than the number of funds might suggest. True diversification usually comes from assets that zig when others zag.
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 risk‑return chart, the current portfolio sits right on or very close to the efficient frontier. The efficient frontier represents the best possible return for each level of risk using only the existing holdings. The current Sharpe ratio, a measure of return per unit of risk, is 0.58, compared with 0.8 for the optimal mix and 0.73 for the minimum‑variance mix. The differences are not huge, suggesting the allocation is already quite efficient. Small tweaks to weights could theoretically improve risk‑adjusted returns, but the existing setup is doing its job well without needing major structural changes.
Dividends
- Invesco NASDAQ 100 ETF 0.50%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.26%
The overall dividend yield is about 1.26%, with the US funds around 1.1%, the international fund higher at 2.8%, and the NASDAQ 100 quite low at 0.5%. Dividends are the cash payouts companies make from profits; they can be an important part of total return over decades, especially when reinvested. This yield profile fits a growth‑oriented equity portfolio: more focused on price appreciation than income generation. For someone not needing current cash flow, a lower yield is not a problem, as long as they’re comfortable relying mainly on capital gains rather than regular income from the portfolio.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard S&P 500 ETF 0.03%
- 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%
The weighted average ongoing fee (TER) is about 0.05%, which is impressively low and well below typical retail fund costs. TER is the annual fee charged by ETFs and funds; even tiny differences compound meaningfully over long periods. Using broad, low‑cost index funds like these is one of the most reliable ways to improve long‑term net returns without taking extra risk. This cost structure is a real strength: it keeps more of the market’s return in the investor’s pocket. From a cost perspective, the portfolio is already optimized, and there’s little to gain from tinkering further unless substantially cheaper vehicles appear.
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