Broad global equity mix with balanced risk profile and strong diversification across regions and company sizes
Report created on Mar 21, 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.
What type of investor this portfolio is suitable for
Balanced Investors
This setup aligns well with an investor who has a moderate‑to‑high risk tolerance, a long time horizon, and a strong focus on simplicity. Goals might include building wealth for retirement, growing assets over decades, or compounding savings from a stable income. Short‑term fluctuations, including 30–35% drawdowns, would be acceptable so long as the long‑term growth path stays intact. This kind of investor generally prefers broad, rules‑based index exposure over stock picking, values low fees, and is comfortable rebalancing occasionally rather than making frequent tactical moves. Patience, discipline, and an ability to ignore noise during market stress are key traits for this profile.
Positions
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Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 50.00% -
State Street® SPDR® Portfolio S&P 500® ETF
SPYM - US78464A8541 50.00%
The portfolio is a clean two-fund setup: 50% in a broad US large‑cap ETF and 50% in a total international equity ETF, plus a tiny cash slice in the look‑through. That means it’s effectively 100% in stocks, split roughly half US and half the rest of the world through very diversified index funds. This simple structure is powerful because it avoids complexity while still reaching thousands of underlying companies. For someone using this as a core long‑term holding, the main takeaway is that the “big picture” design is already solid: globally diversified, low‑cost, and easy to maintain with straightforward 50/50 rebalancing when needed.
Growth
From 2016 to early 2026, a hypothetical $1,000 in this mix grew to $3,038, a compound annual growth rate (CAGR) of 12.59%. CAGR is the “per‑year on average” growth, smoothing out all the ups and downs. That’s slightly ahead of the global market benchmark (11.60% CAGR) but behind the US market alone (14.19% CAGR), which makes sense because half the portfolio is non‑US. Max drawdown, the worst peak‑to‑trough drop, was about -34%, very similar to both benchmarks. This confirms you’re getting true equity‑level volatility; the key takeaway is that returns have been strong, but big temporary drops are part of the ride.
Projection
The Monte Carlo projection uses the portfolio’s historical return and volatility pattern to simulate 1,000 possible 10‑year paths for a $1,000 investment. Think of it as rolling the dice many times based on past behavior to see a range of plausible futures, not a prediction. After 10 years, the median scenario grows about 385%, while the 5th percentile still shows a positive, though much lower, 48.5% gain. An impressive 988 out of 1,000 simulations ended positive, with an average simulated annual return around 13%. The key caveat: markets rarely repeat the past exactly, so these results show potential ranges, not guarantees, but they do highlight attractive long‑run upside.
Asset classes
- Stocks 49%
- Cash 1%
Asset‑class wise, this setup is almost pure equity: 49% stock plus about 1% cash in the look‑through, and no meaningful bonds or alternatives. That’s consistent with a “Balanced” risk score toward the equity‑heavy side, and it explains the equity‑like drawdowns. Equities historically drive long‑term growth but can be very bumpy over shorter periods. Relative to more conservative mixes that might hold 30–60% bonds, this is clearly growth‑oriented. The main takeaway: this structure suits someone prioritizing long‑term capital growth and willing to tolerate sizable temporary declines, rather than someone seeking smooth returns or near‑term income stability.
Sectors
- Financials 11%
- Industrials 8%
- Technology 8%
- Consumer Discretionary 5%
- Basic Materials 4%
- Health Care 4%
- Consumer Staples 3%
- Energy 2%
- Telecommunications 2%
- Utilities 2%
- Real Estate 1%
Sector exposure is broadly spread: meaningful stakes in financials, industrials, technology, consumer cyclicals, materials, healthcare, defensive consumer, energy, communication services, and utilities, with real estate smaller. No single sector dominates the entire portfolio, which is a plus; that alignment with broad index weights is a strong indicator of diversification. Because technology and communication services exposure is delivered mainly through the big global megacaps, the portfolio will still feel some tech‑style volatility, especially when interest rates move. The big positive here is that you aren’t making an extreme bet on any one part of the economy, so sector‑specific shocks are less likely to derail the overall plan.
Regions
- Europe Developed 18%
- Japan 8%
- Asia Developed 7%
- Asia Emerging 7%
- North America 4%
- Australasia 2%
- Africa/Middle East 2%
- Latin America 1%
Geographically, the look‑through skews toward developed markets outside the US: Europe, Japan, developed Asia, plus meaningful exposure to emerging Asia, Australasia, Africa/Middle East, and Latin America, while North America shows small in this specific breakdown because the S&P 500 ETF isn’t fully captured here. In reality, you’re roughly half US and half international, which is actually closer to global market weights than many US‑heavy portfolios. That alignment with global standards is a big strength for diversification. The main implication is that your results will not be tied solely to a single country; performance will reflect a broad mix of global economic conditions over time.
Market capitalization
- Mega-cap 23%
- Large-cap 15%
- Mid-cap 8%
- Small-cap 2%
By market capitalization, there’s a clear tilt to larger firms: heavy in mega and big caps, with smaller allocations to mid and small caps. Larger companies tend to be more stable and less volatile than tiny firms, but they may sometimes grow more slowly than the riskiest small caps during speculative periods. This structure is very typical of cap‑weighted index investing and lines up well with standard benchmarks, which is a positive sign of broad market coverage. The takeaway: you are capturing the main global equity engine while taking only modest exposure to the more volatile, less liquid small‑cap segment.
True holdings
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NVIDIA Corporation 3.66%Part of fund(s):
- Schwab U.S. Broad Market ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Apple Inc 3.32%Part of fund(s):
- Schwab U.S. Broad Market ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
-
Microsoft Corporation 2.48%Part of fund(s):
- Schwab U.S. Broad Market ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
-
Amazon.com Inc 1.74%Part of fund(s):
- Schwab U.S. Broad Market ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Taiwan Semiconductor Manufacturing Co. Ltd. 1.72%Part of fund(s):
- Vanguard International Equity Index Funds - Vanguard FTSE Emerging Markets ETF
- Vanguard Total International Stock Index Fund ETF Shares
- iShares Asia 50 ETF
-
Alphabet Inc Class A 1.54%Part of fund(s):
- Schwab U.S. Broad Market ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Broadcom Inc 1.28%Part of fund(s):
- Schwab U.S. Broad Market ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
-
Alphabet Inc Class C 1.23%Part of fund(s):
- Schwab U.S. Broad Market ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Meta Platforms Inc. 1.20%Part of fund(s):
- Schwab U.S. Broad Market ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Tesla Inc 0.96%Part of fund(s):
- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Broad Market ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 19.12%
Looking through the ETFs, the top underlying positions are the usual mega‑cap giants: NVIDIA, Apple, Microsoft, Amazon, TSMC, Alphabet, Broadcom, Meta, and Tesla. Each individual name is still under 4% of the overall portfolio, which keeps single‑stock risk moderate. There is some hidden concentration because several of these appear in both the US and international funds via different share classes or index memberships. Overlap might be somewhat understated because we only see top‑10 ETF holdings. The practical takeaway: you are still diversified across thousands of companies, but your biggest drivers day to day will be the global mega‑cap growth franchise names that dominate modern indexes.
Factors
Factor exposure looks strongest in low volatility and momentum, with some positive size tilt. Factors are characteristics like “low volatility” or “momentum” that help explain why some groups of stocks behave differently over time. A strong low‑vol profile means, within equities, you tilt slightly toward steadier names, which can soften some drawdowns. Momentum tilt means you lean toward stocks that have been doing well recently, which can boost returns in trending markets but hurt during sharp reversals. Signal coverage is limited for some factors, so results aren’t perfect, but overall the mix suggests a quality‑ and trend‑sensitive equity profile rather than deep value or high‑yield tilts.
Risk contribution
-
State Street® SPDR® Portfolio S&P 500® ETF
Weight: 50.00% 51.4% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 50.00% 48.6%
Risk contribution shows how much each holding adds to total portfolio volatility, which can differ from its weight. Here, the two ETFs each contribute roughly half the risk, almost exactly matching their 50/50 weights, with risk‑to‑weight ratios near 1. That’s a very clean, balanced setup: no hidden “risk hogs” where a small allocation quietly drives most of the ups and downs. This alignment is a real positive, because it means your intended equal split between US and international is actually how the risk is being taken. Rebalancing periodically back to 50/50 can help keep that risk balance intact as markets move.
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.
On the risk‑return chart, the current portfolio sits on the efficient frontier, meaning that for its specific 50/50 US–international mix, you’re already getting the best available return for that level of risk from these two funds. The Sharpe ratio, a measure of return per unit of risk, is 0.62. An alternative weighting of the same two ETFs could raise the Sharpe to 0.78 with slightly higher expected return and a bit more risk, or slightly lower risk at similar Sharpe. This is encouraging: there’s no structural inefficiency here. Any tweaks would be about personal preference for more or less risk, not fixing a broken allocation.
Dividends
- Vanguard Total International Stock Index Fund ETF Shares 3.10%
- State Street® SPDR® Portfolio S&P 500® ETF 1.40%
- Weighted yield (per year) 2.25%
The combined dividend yield of about 2.25% comes from a higher‑yielding international fund (around 3.1%) and a lower‑yielding US fund (about 1.4%). Dividends are cash payments from companies and can form an important part of total return, especially over long horizons when reinvested. This yield level is pretty typical for a broad global equity mix and suggests a healthy mix of income and growth companies. For someone focused mainly on growth, reinvesting these dividends can significantly boost long‑term compounding. For someone who eventually wants income, this provides a base that may grow over time as companies increase their payouts.
Ongoing product costs
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.02%
Costs are impressively low: the combined total expense ratio sits around 0.02%, which is extremely competitive even by index‑fund standards. Fees are one of the few things investors can directly control, and small differences add up massively over decades. Paying 0.02% instead of, say, 0.50% means more of every year’s return stays in your pocket rather than going to fund managers. This cost profile is a major strength of the portfolio and strongly supports better long‑term outcomes. The main takeaway: from a fee perspective, you’re already very close to best‑in‑class, and there’s little benefit in trying to shave that any further.
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