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Tech-flavoured global mashup that pretends to be balanced while mainlining the US megacap story

Report created on Jun 3, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is three funds in a trench coat pretending to be diversified. Over half sits in a “core equity” wrapper, another big chunk in a global ex-Canada fund, and then a 15% side bet on the NASDAQ 100 just to really double down on the same theme. Structurally it’s basically “global stocks plus extra US tech on top,” not some intricate multi-asset masterpiece. The overlap between the core equity ETF and the global ETF means a lot of the holdings rhyme, even if the labels look different. On paper it says “balanced investor”; under the hood it says “I heard US growth stocks did well once.”

Growth Info

Historically, this thing did what you’d expect from a US-tilted equity-heavy mix in a pretty kind period: it turned $1,000 into $2,029 with a 15.23% CAGR. That’s slightly behind the US market but ahead of the global market, which is what happens when you hug the US but keep a foot in the rest of the world. Max drawdown at -22.14% was almost identical to both benchmarks, so it didn’t exactly soften the blows. Also, 90% of returns came from just 30 days, which is classic equity behavior: miss a few good days and the whole story changes. Past data here is yesterday’s weather, not tomorrow’s forecast.

Projection Info

The Monte Carlo projection basically says, “Yeah, this is an equity portfolio, brace yourself.” Monte Carlo is just a fancy way of stress-testing the future by running thousands of “what if” market paths using historical-ish patterns. Median outcome of $2,731 after 15 years sounds nice, but the possible range from roughly $1,000 to over $7,600 screams uncertainty. A 78.9% chance of a positive result means 1 in 5 runs still ends up losing or flat after a decade and a half. That’s the equity roller coaster: high average return, occasionally humiliating endings, and zero guarantees that the future will look like the simulation.

Asset classes Info

  • US Equity
    80%
  • Stocks
    20%

Despite the “balanced” label, this is basically an all-equity outfit cosplaying as something more nuanced. Asset class breakdown is 80% US equity and 20% “Stocks” (i.e., non-US equity), and precisely 0% of anything remotely stabilizing like bonds or cash in the reported mix. For a “risk score 4/7,” it behaves a lot more like a straightforward growth-chasing equity portfolio that skipped the whole “ballast” conversation. Asset classes are the big building blocks; here, all the blocks are the same category, just painted with different flags. There’s nothing inherently wrong with that, but it’s definitely not textbook balance.

Sectors Info

  • Technology
    28%
  • Financials
    16%
  • Industrials
    11%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Health Care
    7%
  • Basic Materials
    6%
  • Consumer Staples
    5%
  • Energy
    5%
  • Utilities
    3%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, tech is clearly the main character at 28%, with everything else playing backup singers. Financials and industrials show up respectably, but this is still heavily tilted toward the “clicks and chips” economy more than boring stuff that quietly throws off cash. Loading up on tech inside broad funds plus a dedicated NASDAQ slice is like saying “I want diversification” and then ordering tech with a side of tech. Sector allocation should spread business risks; here, it loudly bets that innovation darlings keep winning and that the world doesn’t suddenly rediscover a love of dull, predictable companies.

Regions Info

  • North America
    72%
  • Europe Developed
    13%
  • Japan
    5%
  • Asia Developed
    3%
  • Asia Emerging
    3%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, this looks like a portfolio that knows other countries exist but mostly treats them as side quests. About 72% is in North America, with Europe, Japan, and scattered bits of Asia and the rest of the world getting leftover scraps. For a “global” label, the US and its neighbor are clearly hogging the spotlight. This is classic home-adjacent bias: a heavy tilt toward the region that dominates headlines and index weightings. Global investing is supposed to spread political, currency, and economic risk; here it’s more like “US plus a world sampler platter to feel sophisticated.”

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    31%
  • Mid-cap
    17%
  • Small-cap
    4%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

Market cap exposure is unapologetically top-heavy: 46% mega-cap, 31% large-cap, and only a token nod to mid, small, and micro caps. In other words, this portfolio lives and dies by the mega-brand household names, not the scrappy upstarts. That’s what happens when broad indexes and a NASDAQ 100 slice do the stock-picking — the giants dominate the stage. A cap-weighted tilt isn’t shocking, but it does mean the portfolio is chained to whatever mood the megacaps wake up in. When the big names rally, it looks genius; when they wobble, there’s not much from smaller companies to offset the hangover.

True holdings Info

  • iShares Core S&P Total U.S. Stock Market Index ETF
    14.01%
    Part of fund(s):
    • iShares Core Equity Portfolio
  • NVIDIA Corporation
    3.20%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco NASDAQ 100 Index ETF CAD Units
    • Vanguard FTSE Global All Cap ex Canada Index ETF
    • Vanguard Large-Cap Index Fund ETF Shares
    • iShares Core Equity Portfolio
    • iShares Core S&P Total U.S. Stock Market ETF
  • Apple Inc
    2.89%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco NASDAQ 100 Index ETF CAD Units
    • Vanguard FTSE Global All Cap ex Canada Index ETF
    • Vanguard Large-Cap Index Fund ETF Shares
    • iShares Core Equity Portfolio
    • iShares Core S&P Total U.S. Stock Market ETF
  • Microsoft Corporation
    2.29%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco NASDAQ 100 Index ETF CAD Units
    • Vanguard FTSE Global All Cap ex Canada Index ETF
    • Vanguard Large-Cap Index Fund ETF Shares
    • iShares Core Equity Portfolio
    • iShares Core S&P Total U.S. Stock Market ETF
  • Amazon.com Inc
    1.77%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco NASDAQ 100 Index ETF CAD Units
    • Vanguard FTSE Global All Cap ex Canada Index ETF
    • Vanguard Large-Cap Index Fund ETF Shares
    • iShares Core Equity Portfolio
    • iShares Core S&P Total U.S. Stock Market ETF
  • Alphabet Inc Class A
    1.45%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco NASDAQ 100 Index ETF CAD Units
    • Vanguard FTSE Global All Cap ex Canada Index ETF
    • Vanguard Large-Cap Index Fund ETF Shares
    • iShares Core Equity Portfolio
    • iShares Core S&P Total U.S. Stock Market ETF
  • Broadcom Inc
    1.35%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco NASDAQ 100 Index ETF CAD Units
    • Vanguard FTSE Global All Cap ex Canada Index ETF
    • Vanguard Large-Cap Index Fund ETF Shares
    • iShares Core Equity Portfolio
    • iShares Core S&P Total U.S. Stock Market ETF
  • Alphabet Inc Class C
    1.23%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco NASDAQ 100 Index ETF CAD Units
    • Vanguard FTSE Global All Cap ex Canada Index ETF
    • Vanguard Large-Cap Index Fund ETF Shares
    • iShares Core Equity Portfolio
    • iShares Core S&P Total U.S. Stock Market ETF
  • Meta Platforms Inc.
    1.07%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco NASDAQ 100 Index ETF CAD Units
    • Vanguard FTSE Global All Cap ex Canada Index ETF
    • Vanguard Large-Cap Index Fund ETF Shares
    • iShares Core Equity Portfolio
    • iShares Core S&P Total U.S. Stock Market ETF
  • Tesla Inc
    1.01%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco NASDAQ 100 Index ETF CAD Units
    • Vanguard FTSE Global All Cap ex Canada Index ETF
    • Vanguard Large-Cap Index Fund ETF Shares
    • iShares Core Equity Portfolio
    • iShares Core S&P Total U.S. Stock Market ETF
  • Top 10 total 30.26%

This breakdown covers the equity portion of your portfolio only.

The look-through holdings tell the real story: a big chunk flows through an iShares US total market ETF, with NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, and Tesla all crowding the top. These names appear across multiple ETFs, creating hidden concentration even if each fund looks diversified on its own. Imagine three different playlists all starting with the same ten songs — still technically variety, but you’re not fooling anyone. Overlap is probably even higher than shown, since only the top 10 positions are captured. So while the packaging screams “broad market,” the actual bets are on a very familiar US megacap cast.

Risk contribution Info

  • iShares Core Equity Portfolio
    Weight: 55.00%
    50.7%
  • Vanguard FTSE Global All Cap ex Canada Index ETF
    Weight: 30.00%
    28.9%
  • Invesco NASDAQ 100 Index ETF CAD Units
    Weight: 15.00%
    20.5%

Risk contribution shows who’s actually shaking the boat, and the NASDAQ 100 ETF is punching above its weight. At 15% of the portfolio, it’s contributing over 20% of total risk, which is textbook “small slice, big drama.” The other two ETFs roughly match their weights in risk, but the tech-heavy satellite position is definitely the one caffeinating the volatility. Risk contribution is about which positions drive the portfolio’s ups and downs, not just who takes up the most space. Here, the “spice” position is doing a lot of shouting, making the overall mix more sensitive to growth-stock mood swings.

Redundant positions Info

  • Vanguard FTSE Global All Cap ex Canada Index ETF
    iShares Core Equity Portfolio
    High correlation

The near-perfect correlation between the global ex-Canada ETF and the core equity ETF is the most on-brand thing in this portfolio. Two big funds that move almost identically means the diversification effort is a bit of a costume rather than a real new character. Correlation is just how similarly things move — 1.0 is dancing in sync, 0 is doing their own thing. When major holdings are tightly correlated, they all celebrate together but also crash together. So those overlapping core funds don’t really spread risk; they mainly reinforce the same underlying bet with slightly different marketing labels.

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 actually pulls off a neat trick: it’s basically on the curve. The Sharpe ratio of 0.84 isn’t as high as the theoretical max (1.02) or the min variance option (0.99), but for the chosen mix it sits right where it should for its risk level. The efficient frontier is just the best possible return for each risk level using these same holdings with different weights. So no, this isn’t some clown car of random allocations — it’s reasonably well-assembled. The inefficiency isn’t the mechanics; it’s more about the underlying bet on one style of equity doing the heavy lifting.

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