Broad based growth portfolio with strong US tilt and low cost diversified index funds
Report created on Apr 18, 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
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VT Vanguard Total Stock Market Index Fund Admiral Shares
VTSAX - US9229087286 55.36% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 15.74% -
SC Schwab International Equity ETF
SCHF - US8085248057 8.76% -
BR Berkshire Hathaway Inc
BRK-B - US0846707026 7.46% -
VB Vanguard Balanced Index Fund Admiral Shares
VBIAX - US9219312009 5.81% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 5.67% -
NV NVIDIA Corporation
NVDA - US67066G1040 1.20%
The portfolio is dominated by broad US stock market index funds, with a combined allocation over 70% to total US equity via mutual fund and ETF share classes. International equity funds add a smaller slice, and a balanced fund introduces a modest bond component. Two individual stocks, Berkshire Hathaway and NVIDIA, sit on top as focused active bets. This structure leans heavily on long-term global equity growth, but with a clear “home base” in US markets. The takeaway is that most of the risk and return will come from the overall stock market, while the single-stock positions and small bond slice provide extra flavor rather than defining the core.
Growth
Historically, this mix has been very strong: a $1,000 investment grew to about $6,042, with a compound annual growth rate (CAGR) of 19.79%. CAGR is like your average speed on a road trip — it smooths out the bumps to show long-term pace. That’s meaningfully higher than both the US market (14.61%) and global market (12.05%) over the same period. The max drawdown of roughly -34% during early 2020 was similar to the benchmarks, showing typical equity-level volatility. This alignment in downside with clear upside outperformance is encouraging, but it’s still important to remember that past returns can’t be relied on to repeat.
Projection
The Monte Carlo projection runs 1,000 simulated futures based on historical volatility and returns, like rolling many alternate timelines to see a range of outcomes. For a $1,000 starting investment over 15 years, the median result lands around $2,743, with a wide but reasonable range between about $1,811 and $4,246 in the middle 50% of scenarios. The overall average simulated annualized return is 8.27%, and roughly three-quarters of simulations end positive. This gives a sense of potential, not a promise. Simulations depend on past patterns continuing, which they never do perfectly, so they’re best used as a planning tool rather than a forecast.
Asset classes
- Stocks 98%
- Bonds 2%
Asset allocation is overwhelmingly tilted toward stocks at 98%, with only about 2% in bonds via the balanced fund. Stocks are the main growth engine in investing, but they also bring the biggest swings along the way. Bonds usually act as a stabilizer, dampening volatility and cushioning drawdowns. Here, the very small bond slice means the portfolio will behave much more like a pure equity portfolio — great for long-term growth potential, but bumpy in downturns. For someone comfortable riding out those bumps over many years, this aggressive structure can be appropriate, while shorter horizons or lower risk tolerance typically call for more ballast.
Sectors
- Technology 27%
- Financials 20%
- Industrials 10%
- Health Care 9%
- Telecommunications 8%
- Consumer Discretionary 6%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Consumer Discretionary 3%
- Utilities 2%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is fairly broad, with technology at the top around 27%, followed by financials at 20%, then industrials, health care, telecom, and a healthy mix of others. This looks similar to many broad equity benchmarks, which is a strong indicator of solid diversification across the economy. A tech-leaning but not extreme weight means the portfolio can benefit from innovation-driven growth while not being a pure tech bet. Sector balance like this tends to reduce the risk that any single part of the economy dominates returns. The key implication is that performance will largely track the global business cycle rather than hinging on one narrow theme.
Regions
- North America 87%
- Europe Developed 7%
- Japan 3%
- Asia Developed 2%
- Asia Emerging 1%
- Australasia 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, the portfolio is clearly US-centered: about 87% in North America, with Europe, Japan, and the rest of developed and emerging Asia making up a relatively small slice. This kind of home bias is common for US investors and has been rewarded over the past decade. However, it does mean economic and political outcomes in a single region have an outsized influence. A large portion of global market value and future growth sits outside North America, so limited exposure there can miss different growth cycles and currency diversification. The positive side is simplicity and familiarity, but it trades off some global balance.
Market capitalization
- Mega-cap 46%
- Large-cap 28%
- Mid-cap 16%
- Small-cap 5%
- Micro-cap 2%
This breakdown covers the equity portion of your portfolio only.
By market cap, the mix is anchored in mega-cap and large-cap stocks, which together make up almost three-quarters of the exposure. Mid-caps and small-caps still have a meaningful presence, with micro-caps as a tiny tail. Large and mega companies tend to be more stable and widely followed, which can mean smoother rides than very small firms. Including mid and small caps adds a growth kicker and broader economic coverage, since many niche or fast-growing businesses live in those buckets. This spread is close to a typical global market-cap pattern and supports healthy diversification across company sizes without leaning too hard into either extreme.
True holdings
-
Part of fund(s):
- Vanguard Total Stock Market Index Fund ETF Shares
-
Part of fund(s):
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 0.93%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 0.69%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 0.50%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 0.42%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 0.37%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 0.33%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.31%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
SS Samsung Electronics Co Ltd 0.28%
Part of fund(s):- Schwab International Equity ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 13.71%
Looking through the funds, Berkshire Hathaway and NVIDIA show up both directly and inside the ETFs, creating some hidden concentration. Berkshire totals about 7.67% overall, and NVIDIA about 2.21%, with a portion of each coming from the index products. There are also meaningful exposures to mega-cap tech names like Apple, Microsoft, Amazon, Alphabet, and Meta via the broad funds. Because only ETF top-10 holdings are captured, overlap here is likely understated. This matters because if these big names have a rough patch, the effect is amplified across several positions at once. It’s a reminder that “many funds” can still mean “similar underlying companies.”
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
Factor exposure is remarkably balanced. Value, size, momentum, quality, yield, and low volatility all sit in the neutral band, close to market averages. Factors are like investing “ingredients” — characteristics such as cheapness (value) or stability (low volatility) that help explain returns. A neutral profile means the portfolio isn’t making big bets on any one style, so it behaves much like the overall market instead of acting like a specialized factor strategy. The upside is simplicity and predictability relative to broad benchmarks. The tradeoff is less opportunity to benefit if a specific factor, like value or quality, has an especially strong run.
Risk contribution
-
Vanguard Total Stock Market Index Fund Admiral Shares
Weight: 55.36% 58.5% -
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 15.74% 16.5% -
Schwab International Equity ETF
Weight: 8.76% 7.7% -
Berkshire Hathaway Inc
Weight: 7.46% 6.4% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 5.67% 5.0% - Top 5 risk contribution 94.1%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weight. Here, the two share classes of the Vanguard Total Stock Market fund together carry about three-quarters of the allocation and contribute roughly the same proportion of risk. That alignment is actually quite clean: the biggest positions are also the main risk drivers. The top three holdings overall account for about 82.66% of total portfolio risk, which is expected given their size and similarity. If someone wanted risk spread more evenly, they’d adjust position sizes, but there’s no hidden landmine where a tiny weight dominates volatility.
Redundant positions
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High correlationVanguard Total International Stock Index Fund ETF SharesSchwab International Equity ETF
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High correlationVanguard Balanced Index Fund Admiral SharesVanguard Total Stock Market Index Fund ETF SharesVanguard Total Stock Market Index Fund Admiral Shares
Asset correlation measures how often holdings move together. Highly correlated pairs don’t diversify each other much, especially during stress. In this portfolio, the strongest correlations are between nearly identical or very similar funds: the two Vanguard Total Stock Market share classes, the balanced fund and those same US funds, and the two international equity ETFs. That’s totally expected — they track overlapping universes. The takeaway is that while there are several line items, many move in sync, so diversification is mainly coming from broad US vs. non-US exposure and the small bond component, rather than from a collection of distinct, uncorrelated strategies.
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 below the efficient frontier by about 6.25 percentage points at its risk level. The efficient frontier represents the best expected return you could get for each level of volatility using only these existing holdings in different weights. The Sharpe ratio — a measure of return per unit of risk — is 0.61 for the current mix, versus 0.67 for the minimum-variance portfolio and much higher for the max-Sharpe mix (though at far greater risk). This suggests that a reweighting of the same holdings could slightly improve risk-adjusted returns without needing any new products.
Dividends
- Schwab International Equity ETF 3.10%
- Vanguard Balanced Index Fund Admiral Shares 5.40%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total Stock Market Index Fund Admiral Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.53%
The overall dividend yield is about 1.53%, on the lower side but typical for a growth-oriented equity portfolio with strong US exposure. Individual pieces vary: the balanced fund pays a higher yield around 5.4%, while US total market funds sit closer to 1.1%, and international funds land in the 2–3% range. Dividends can provide a steady income stream and a meaningful chunk of total return over long periods, especially when reinvested. In this setup, income is more of a supporting actor than the main goal. The focus is clearly on capital growth, with dividends providing some extra compounding along the way.
Ongoing product costs
- Schwab International Equity ETF 0.06%
- Vanguard Balanced Index Fund Admiral Shares 0.07%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total Stock Market Index Fund Admiral Shares 0.04%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
Costs are a standout strength here. The total expense ratio (TER) averages about 0.04%, which is extremely low by any standard. TER is the annual fee charged by funds, and even small differences compound over decades. Paying 0.04% instead of, say, 0.5% or 1% keeps significantly more of the market’s return in your pocket. The use of large, plain-vanilla index funds from low-cost providers is exactly what supports efficient long-term compounding. This allocation is well-balanced from a fee perspective and aligns closely with best practices for cost control, giving a solid structural advantage that’s hard for higher-fee setups to match.
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