Tech tilted global equity mix with strong long term growth and efficient risk profile
Report created on May 10, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 33.79% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 33.17% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 33.04%
This portfolio is a simple three‑ETF mix holding only stocks. Each fund sits at roughly one‑third: a US technology fund, a broad US market fund, and a broad international stock fund. That structure creates a clear tilt toward technology while still keeping large exposure to the wider US and non‑US markets. A 100% equity, buy‑and‑hold setup typically means larger swings in value but higher growth potential over long periods. The overall design is straightforward and easy to understand, which can make it simpler to track. At the same time, the tech overweight gives it a more “growthy” flavor than a plain global index, which shows up in its performance and risk behavior.
Growth
From 2016 to 2026, a $1,000 investment in this portfolio grew to about $5,436. That translates to a Compound Annual Growth Rate (CAGR) of 18.51%, where CAGR is like your average speed over the whole trip, smoothing out the bumps. This comfortably outpaced both the broad US market (15.40%) and global market (12.78%) over the same period. The max drawdown, or worst peak‑to‑trough fall, was about -33% during early 2020, similar to the benchmarks, and it recovered in roughly four months. Most of the gains came from a small number of days: just 42 days delivered 90% of total returns, highlighting how missing a few strong days can dramatically change long‑term outcomes.
Projection
The Monte Carlo projection uses 1,000 simulations to imagine many possible 15‑year futures based on how the portfolio behaved historically. Think of it like running the same race on slightly different tracks and weather conditions to see the range of finishing times. The median outcome turns $1,000 into around $2,706, with a “middle” band (25th–75th percentile) between roughly $1,761 and $4,298. Extreme scenarios stretch from about $959 to $7,375. The average annualized return across simulations is 8.12%. These numbers are not predictions or guarantees; they just show how wide the range of plausible paths can be when markets are volatile and returns vary year to year.
Asset classes
- Stocks 100%
All of this portfolio sits in a single asset class: stocks. That means there is no built‑in cushion from bonds or cash, which usually move differently from equities and can soften the blow during sharp downturns. A 100% stock allocation naturally lines up with the “growth” risk classification and explains why the risk score is on the higher side at 5/7. The upside of this single‑asset focus is clear participation in global equity growth without dilution from lower‑return assets. The trade‑off is that drawdowns can be larger and more frequent than in mixed stock‑bond portfolios, so the ride is bumpier even if long‑term growth potential is higher.
Sectors
- Technology 50%
- Financials 12%
- Industrials 8%
- Consumer Discretionary 6%
- Health Care 6%
- Telecommunications 5%
- Consumer Staples 4%
- Basic Materials 3%
- Energy 3%
- Utilities 2%
- Real Estate 2%
Sector‑wise, about half of the portfolio sits in technology, with the rest spread across financials, industrials, consumer areas, health care, telecommunications, and other segments. Compared with broad global or US benchmarks, this is a noticeably heavier tilt toward tech. Tech‑heavy setups often benefit strongly when innovation and growth themes lead the market, which has been a major driver of returns recently. On the flip side, they can be more sensitive when interest rates rise or when investors rotate into more defensive or value‑oriented sectors. The remaining sectors are reasonably represented, which helps, but the tech overweight is the main defining feature and is a key reason for the portfolio’s strong historical performance and higher risk profile.
Regions
- North America 69%
- Europe Developed 12%
- Japan 5%
- Asia Developed 5%
- Asia Emerging 5%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, the portfolio is anchored in North America at about 69%, with the rest spread across developed Europe, Japan, other developed Asia, emerging Asia, and smaller slices in Australasia, Latin America, and Africa/Middle East. This is more US‑tilted than a purely global market‑cap index, where North America typically sits closer to 60%. That home bias has worked well in recent years because US markets have outperformed many other regions. The international fund still adds meaningful diversification by bringing in different economies, currencies, and policy environments. Overall, this geographic mix keeps the portfolio strongly tied to the US while still participating in global growth beyond a single region.
Market capitalization
- Mega-cap 47%
- Large-cap 31%
- Mid-cap 15%
- Small-cap 4%
- Micro-cap 1%
The market‑cap breakdown shows a clear focus on large, established companies: roughly 47% in mega‑caps, 31% in large‑caps, and the rest spread across mid, small, and micro‑caps. This is very much in line with market‑cap‑weighted indices, which naturally place more weight on the biggest companies. Mega‑caps tend to be more stable and liquid than smaller firms, which can reduce some volatility compared with a small‑cap‑heavy approach. At the same time, there is still some exposure to mid and smaller companies, which may behave differently over the cycle and can add a bit of extra growth potential. Overall, the size mix is balanced and closely aligned with broad global equity standards.
True holdings
-
NV NVIDIA Corporation 8.77%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AA Apple Inc 7.56%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 5.08%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.35%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 1.20%
Part of fund(s):- Vanguard S&P 500 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.14%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 0.99%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 0.79%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 0.74%
Part of fund(s):- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 0.68%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Top 10 total 29.29%
Looking through the ETFs, the top underlying positions include well‑known tech and growth names like NVIDIA, Apple, Microsoft, Broadcom, Amazon, TSMC, Alphabet, Meta, and Micron. Several of these appear across more than one ETF, especially the tech fund and the S&P 500 fund, which creates overlap. For example, NVIDIA and Apple together already account for over 16% of the portfolio within the covered portion. This overlap means the portfolio is more concentrated in a handful of mega‑cap tech and platform companies than the three‑ETF count might suggest. Because only ETF top‑10 holdings are available, the true overlap is likely higher than shown, but the pattern of concentration in a few global leaders is already clear.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility all sits in the neutral band, near 50%. Factors are like investment “ingredients” — characteristics that research links to long‑term returns, such as cheapness (value) or stability (low volatility). Neutral readings mean the portfolio behaves broadly like the overall market on these characteristics, without strong tilts toward or away from any single factor. That’s consistent with using broad, market‑cap‑weighted index funds as the core building blocks. The tech tilt shows up more in sector concentration than in factor scores. This balanced factor profile suggests the portfolio’s return pattern is mainly driven by overall market moves and sector emphasis, rather than by explicit factor bets.
Risk contribution
-
Vanguard Information Technology Index Fund ETF Shares
Weight: 33.79% 42.1% -
Vanguard S&P 500 ETF
Weight: 33.04% 30.7% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 33.17% 27.2%
Risk contribution shows how much each ETF drives the portfolio’s ups and downs, which can differ from its weight. The tech ETF has a weight of about 34% but contributes roughly 42% of total risk, giving it a risk‑to‑weight ratio of 1.25. That means it punches above its weight in shaping volatility. In contrast, the S&P 500 and international ETFs both contribute less risk than their weights, with ratios below 1. This pattern is typical when one holding is more volatile or more correlated with big market swings. So, while all three funds are similarly sized, the tech ETF is the main engine behind the portfolio’s day‑to‑day movement.
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 the current portfolio sitting on or very close to the frontier, which is the curve of best possible returns for each risk level using only these holdings. The Sharpe ratio — a measure of risk‑adjusted return that compares excess return to volatility — is 0.72 for the current mix. The maximum‑Sharpe portfolio using the same three ETFs would have a Sharpe of 1.0 at higher return and higher risk, while the minimum‑variance mix offers slightly lower risk and Sharpe. Since the current allocation already lies near the frontier, the existing weightings are using these building blocks efficiently. That’s a positive sign for how well the mix balances risk and return without needing more complexity.
Dividends
- Vanguard Information Technology Index Fund ETF Shares 0.30%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.36%
The blended dividend yield of the portfolio is about 1.36%, with the international ETF being the highest‑yielding component and the tech ETF the lowest. Dividend yield is the annual cash payout as a percentage of the current price, a bit like interest on a savings account but not guaranteed. In this portfolio, income is a relatively small part of total return; most of the historical growth has come from price appreciation, especially in growth‑oriented tech and large‑cap names. That pattern fits the growth‑focused risk classification and the heavy equity and tech exposure. For investors who reinvest dividends, even a modest yield can quietly add to long‑term compounding over many years.
Ongoing product costs
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.06%
The total ongoing fee, or TER, for this three‑ETF mix is around 0.06% per year, which is very low by industry standards. TER (Total Expense Ratio) is like a small annual “membership fee” taken by the funds to cover management and operations. Low costs matter because they come out of returns every single year and compound over time. Paying 0.06% instead of something closer to 0.5–1.0% keeps more market return in the portfolio’s hands. This cost profile is a real strength: it supports better long‑term performance without requiring any extra effort, and it aligns closely with the best practices for low‑cost, index‑based investing.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey