Broad US equity core with tech tilt and modest international diversification
Report created on May 9, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
FX Fidelity 500 Index Fund
FXAIX - US3159117502 70.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 10.00%
This portfolio is a straightforward three-fund stock mix with a strong US core. About 70% sits in a broad US large‑cap index fund, 20% in a global ex‑US stock ETF, and 10% in a NASDAQ 100 ETF. So it is 100% in equities, without bonds or cash. This structure keeps things simple: one main core holding, one international diversifier, and one growth‑tilted satellite. A setup like this tends to behave a lot like the overall stock market, with a bit of extra sensitivity to large US growth names. It’s easy to track and understand, which can help when interpreting performance during market swings.
Growth
Over the period from late 2020 to May 2026, $1,000 grew to about $2,206, implying a compound annual growth rate (CAGR) of 15.33%. CAGR is the “average speed” of growth per year, smoothing out ups and downs. This slightly lagged the US market benchmark but beat the global market benchmark by a noticeable margin. The worst peak‑to‑trough drop (max drawdown) was about ‑26%, similar to global equities. That drawdown took around 9 months to fall and 14 months to recover, which is typical for an all‑equity mix. The fact that only 27 days explain 90% of returns shows how a handful of strong days mattered a lot historically.
Projection
The Monte Carlo projection uses historical behavior of similar assets to simulate 1,000 possible 15‑year paths for $1,000. It’s like running many “what if” market histories to see a range of outcomes, not just a single forecast. The median result lands around $2,634, with a fairly wide middle band from roughly $1,775 to $4,129. There’s about a 72% chance of ending with more than the starting amount, and the average annualized return across all simulations is 7.98%. These numbers don’t guarantee anything; they’re more like a weather forecast based on the past. Conditions can change, so actual future results may differ a lot from these paths.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash, or alternatives. Asset classes are broad buckets like equities, fixed income, and real assets, each reacting differently to economic changes. Being 100% in equities maximizes exposure to business growth but also to market swings, especially during downturns. Compared with many “balanced” setups that mix stocks and bonds, this is more growth‑oriented. On the flip side, it avoids the drag that safer assets can introduce during strong equity markets. Historically, all‑stock portfolios have offered higher long‑term return potential but require more ability to ride through big short‑term declines.
Sectors
- Technology 32%
- Financials 13%
- Telecommunications 10%
- Industrials 9%
- Health Care 9%
- Consumer Discretionary 7%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Consumer Discretionary 3%
- Utilities 3%
- Real Estate 2%
Sector‑wise, technology dominates at 32%, with financials, telecom, industrials, and healthcare making up much of the rest. This is more tech‑tilted than broad global benchmarks, which typically have a lower tech share. Tech‑heavy portfolios can benefit strongly when innovation, digitalization, and growth themes are in favor, as they have been in recent years. But they can also be more sensitive when interest rates rise or when investors rotate toward more defensive areas. The presence of multiple other sectors—consumer, energy, materials, utilities, real estate—helps spread risk across different parts of the economy, supporting overall diversification despite the tech tilt.
Regions
- North America 81%
- Europe Developed 8%
- Japan 3%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
Geographically, about 81% is in North America, with the rest spread across developed Europe, Japan, other developed Asia, emerging Asia, Australasia, and a small slice in Africa/Middle East. This means the portfolio is more US‑tilted than a typical global market index, where the US share is usually lower. A strong US tilt has helped over the last decade, as US equities have outpaced many regions. However, it also ties a lot of outcomes to one economy, one policy environment, and one currency. The 19% in non‑US markets adds some diversification, since different regions can lead or lag at different points in the global cycle.
Market capitalization
- Mega-cap 47%
- Large-cap 34%
- Mid-cap 17%
- Small-cap 1%
By market capitalization, almost half the portfolio sits in mega‑cap companies, with another third in large‑caps and modest exposure to mid‑ and small‑caps. Market cap is simply company size in the stock market, and size can influence how a stock behaves. Larger companies tend to be more stable and widely followed, while smaller ones can be more volatile but sometimes faster‑growing. This mix leans toward stability and liquidity, closely resembling major indices where mega‑ and large‑caps dominate. The relatively low small‑cap share means the portfolio is less exposed to that higher‑risk, potentially higher‑reward segment, which can behave quite differently from big blue‑chip names.
True holdings
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NV NVIDIA Corporation 0.82%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AA Apple Inc 0.72%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.69%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
MS Microsoft Corporation 0.53%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AM Amazon.com Inc 0.51%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
GO Alphabet Inc Class A 0.39%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
GO Alphabet Inc Class C 0.36%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AV Broadcom Inc 0.35%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
MU Micron Technology Inc 0.34%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
TS Tesla Inc 0.33%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Top 10 total 5.04%
Looking through the ETFs’ top holdings, the largest individual exposures include NVIDIA, Apple, Taiwan Semiconductor, Microsoft, Amazon, Alphabet, Broadcom, Micron, and Tesla. Each of these shows up at well under 1% of the total portfolio, indicating no single stock dominates at the look‑through level. There is some overlap—several of these names appear in multiple funds—so their combined impact is a bit higher than any one fund suggests. Because only ETF top‑10 holdings are captured, real overlap is likely understated. Still, the pattern points toward concentrated exposure in major global tech and growth franchises rather than in a single standout position.
Factors
Factor exposures across value, size, momentum, quality, and low volatility are all very close to neutral, meaning the portfolio behaves a lot like the broad market on these characteristics. Factor exposure is basically how much the portfolio leans into traits like cheap vs. expensive, big vs. small, or stable vs. volatile stocks. A neutral profile suggests it’s not strongly betting on any one style, like deep value or aggressive momentum. Yield is modestly low, reflecting a tilt toward companies that reinvest profits rather than paying them out. Overall, the factor picture is well‑balanced, which tends to produce more “index‑like” behavior across market cycles.
Risk contribution
-
Fidelity 500 Index Fund
Weight: 70.00% 70.6% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 16.7% -
Invesco NASDAQ 100 ETF
Weight: 10.00% 12.7%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weight. Here, the main US index fund is 70% of assets and contributes about 71% of total risk, almost one‑for‑one. The international ETF’s 20% weight contributes about 17% of risk, slightly less than its size, likely because it’s somewhat diversifying. The NASDAQ 100 ETF is 10% by weight but about 13% of risk, reflecting its higher volatility and growth focus. This pattern is typical: growth‑heavy or concentrated funds often “punch above their weight” in risk terms, even if they’re smaller allocations.
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 this mix sitting on or very near the efficient frontier, which is the curve of best possible returns for each risk level using the current holdings. The portfolio’s Sharpe ratio—return per unit of risk—is 0.71, compared with 0.91 for the optimized mix and 0.83 for the minimum‑variance mix. The key point is that the existing three‑fund combination is already used in a way that’s broadly efficient: there’s no obvious structural drag from very odd weightings. Minor reweighting of the same funds could, in theory, slightly improve risk‑adjusted returns, but the current configuration is already doing a solid job.
Dividends
- Fidelity 500 Index Fund 1.10%
- Invesco NASDAQ 100 ETF 0.40%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.35%
The overall dividend yield is about 1.35%, coming from a mix of lower‑yielding US and NASDAQ funds and a higher‑yielding international fund. Dividend yield is the annual cash payout as a percentage of the current price, like interest on a savings account but not guaranteed. Here, income is a relatively small slice of total expected return; most of the heavy lifting historically has come from price growth. The stronger yield on the international ETF slightly boosts the portfolio’s income profile, but this remains primarily a growth‑focused equity allocation. Dividends still matter, though, as they can help cushion returns and compound when reinvested over long periods.
Ongoing product costs
- Fidelity 500 Index Fund 0.02%
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
Total expenses are very low at around 0.04% per year across the three funds. The TER (Total Expense Ratio) captures ongoing fund fees taken out of assets, and here each holding is on the cheaper side—especially the main US index fund at 0.02%. Low costs are a quiet but important advantage because fees come off every year, regardless of performance. Over long horizons, even small percentage differences compound into meaningful dollar amounts. This fee level is impressively low and firmly in line with best‑in‑class index investing. It supports better long‑term outcomes by letting more of the portfolio’s gross return show up in your net performance.
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