Tech obsessed US leaning cocktail pretending to be a balanced globally diversified portfolio
Report created on Aug 5, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 50.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 20.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 15.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
VN Vanguard Real Estate Index Fund ETF Shares
VNQ - US9229085538 5.00%
Structurally this portfolio is the classic “I like the index but I really like tech” mashup. Half parked in a plain S&P 500 core, then 20% poured directly into the NASDAQ 100 rocket fuel on top of that, plus a grab bag of international, small value, and a tiny REIT garnish. It looks diversified at first glance, but the 70%+ in two broad US funds that already hold plenty of overlap means diversification is more costume than substance. It’s basically the US large-cap growth market wearing three slightly different hats and calling it a committee.
Growth
Historically, this thing has done well but not heroically, which is almost funny given how growth-heavy it is. A $1,000 stake grew to $2,236 with a 14.97% CAGR, just a hair behind the US market despite the extra NASDAQ spice. Meanwhile it easily beat the global market, so congratulations, it’s slightly optimized home bias. The max drawdown at -25.78% was marginally worse than the US benchmark and barely better than global, so the drama level matched the ride. Past performance is like old dating texts: informative, occasionally flattering, but not a reliable life plan.
Projection
The Monte Carlo projection basically says “temper your expectations.” Simulations peg the median 15‑year outcome at $2,735 — a far cry from the backward-looking 15% annual party you’ve been enjoying. Monte Carlo is just a fancy way of rolling the market dice 1,000 times to see a spread of plausible futures, and here the spread is wide: from almost flat at the low end to “story you tell at barbecues” at the high end. The 73.5% chance of a positive outcome is fine, but not magical. Future returns look more normal, less superhero, which is exactly how reality usually works.
Asset classes
- Stocks 95%
- Real Estate 5%
On asset classes, this portfolio is basically one-trick pony plus a small real estate side quest: 95% stocks, 5% REITs, and zero sign of anything remotely stabilizing like bonds or cash buffers. For something labeled “balanced,” it’s about as balanced as a barstool with one and a half legs. Stocks dominate everything, so the ride will be dictated almost entirely by equity markets rising or faceplanting together. The 5% real estate slice is too small to meaningfully counter that — it’s more of a decorative plant than a structural pillar. This is an equity portfolio masquerading as something tamer.
Sectors
- Technology 35%
- Financials 12%
- Consumer Discretionary 10%
- Industrials 9%
- Telecommunications 9%
- Health Care 7%
- Real Estate 6%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
This breakdown covers the equity portion of your portfolio only.
Sector-wise, tech addiction is firmly confirmed: 35% in technology, with another big chunk in consumer discretionary and communication names hiding a lot of “tech by another name.” Compared to broad indexes, this leans noticeably into the growth-and-gadgets crowd rather than a boring, steady spread. Real estate and utilities barely show up, which means very little ballast if the high-growth darlings stumble. When one cluster of sectors is carrying the mood like this, crashes tend to feel more like a coordinated group activity than isolated issues. The portfolio is basically betting that the innovation party never runs out of snacks.
Regions
- North America 85%
- Europe Developed 6%
- Asia Developed 3%
- Japan 2%
- Asia Emerging 2%
- Australasia 1%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, this thing screams “America first, everyone else maybe later.” With about 85% in North America, the so-called “Total International” slice is more of a guilt offering than a real global stance. Europe, Japan, and emerging markets show up in low single digits, like background extras in a US blockbuster. This kind of home bias works great when the US is on a heater, but it also means the portfolio is heavily tied to one economy, one currency, and one policy regime. For all the diversification talk, the world outside the US is basically treated as optional DLC.
Market capitalization
- Mega-cap 40%
- Large-cap 29%
- Mid-cap 17%
- Small-cap 7%
- Micro-cap 5%
This breakdown covers the equity portion of your portfolio only.
The market cap breakdown shows a comfortable tilt toward mega and large caps with 69% living in the corporate giants, and just a modest 12% or so in true small and micro caps. That 10% dedicated small cap value ETF sounds punchy, but once blended in, it’s more seasoning than main course. So the portfolio talks a bit of “small value” game while still largely riding on the backs of giant household names. That can make the ride smoother than an all-small-cap circus, but it also means the supposed “size diversification” is more marketing headline than meaningful structural shift.
True holdings
-
NV NVIDIA Corporation 5.33%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc. 4.92%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.26%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.65%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.27%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.00%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 1.92%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.90%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.49%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 0.92%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Top 10 total 26.66%
This breakdown covers the equity portion of your portfolio only.
Look-through holdings turn up the usual suspects, and they’re everywhere. NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla — it’s basically the Mega-Cap Tech Fan Club. These names appear across both the S&P 500 and NASDAQ 100 allocations, quietly stacking exposure. The top holdings alone eat over 25% of the visible slice, and that’s only from the top‑10 data — real overlap is higher under the hood. This portfolio pretends it owns hundreds of companies, but its fate is heavily chained to a small group of giants. When those names sneeze, this portfolio doesn’t just catch a cold, it calls in sick.
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 almost suspiciously middle-of-the-road: everything clocks in as Neutral — value, size, momentum, quality, yield, low volatility all hovering around 50%. Factor exposure is basically the ingredient list explaining why returns behave the way they do, and here it says: “You bought the standard recipe.” Even with a dedicated small cap value sleeve and a NASDAQ chunk, the overall mix dilutes into something very market-like. The upside is no glaring hidden bet on junky low-quality or hyper-momentum. The downside: for all the moving parts, this still behaves a lot like an off‑the‑shelf broad equity blend.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 48.4% -
Invesco NASDAQ 100 ETF
Weight: 20.00% 24.7% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 15.00% 12.3% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 10.8% -
Vanguard Real Estate Index Fund ETF Shares
Weight: 5.00% 3.8%
Risk contribution exposes who’s really driving the chaos, and it’s the Big Two. The S&P 500 ETF at 50% weight contributes about 48% of risk — fair enough. But the NASDAQ 100 at 20% weight delivers nearly 25% of total risk, punching harder than its size. The top three holdings together account for over 85% of risk, so the rest are basically background noise in volatility terms. This is like hiring a huge team but letting two employees make all the important decisions. When those concentrated engines misfire, the whole portfolio’s mood swings, no matter how many smaller “diversifiers” are sprinkled around.
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 politely points out that this portfolio is leaving performance on the table while still taking decent risk. With a Sharpe ratio of 0.68, it trails both the minimum variance setup and the max‑Sharpe mix that could be built from the same ingredients. Being 1.08 percentage points below the frontier at this risk level is like running with ankle weights for no good reason. Reweighting the existing funds could push it closer to that curve where each unit of risk earns more return, but right now it’s a slightly sloppy blend — not disastrous, just objectively suboptimal.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.20%
- Invesco NASDAQ 100 ETF 0.40%
- Vanguard Real Estate Index Fund ETF Shares 3.50%
- Vanguard S&P 500 ETF 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.50%
- Weighted yield (per year) 1.25%
Dividend yield at 1.25% is barely a side dish and definitely not a meal. With heavy exposure to growthy US names and the NASDAQ 100, this portfolio is clearly not trying to be a cash-flow machine. The REIT slice and international fund try to drag the yield up a bit, but they’re outweighed by low-payout tech and large caps. For anyone secretly hoping this would quietly throw off chunky income, the reality is more “occasional pocket change” than “rent money.” This is a total‑return, price-movement story first; dividends are just a polite afterthought.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard Real Estate Index Fund ETF Shares 0.12%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.08%
Costs are almost annoyingly reasonable. A total TER of 0.08% is basically couch-cushion money in the ETF world. The Avantis small cap value and NASDAQ funds are the priciest in the lineup, but still nowhere near outrageous. The big Vanguard core pieces are doing the heavy lifting at bargain-bin rates. There’s not much to roast here: you’re getting a mostly vanilla, highly correlated US-heavy equity stew without overpaying for the privilege. If anything, the low fees highlight that the main “cost” of this portfolio isn’t price — it’s the concentrated bets and structural sameness under the hood.
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