Broad low cost global stock mix with moderate tech tilt and efficient balanced risk profile
Report created on Apr 6, 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.
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 65.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 25.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 10.00%
This portfolio is built from three broad stock ETFs: a large core in a US large‑cap fund, a sizable slice in global ex‑US shares, and a smaller kicker in a growth‑heavy index. That structure keeps things simple while still giving exposure to thousands of companies worldwide. Having one clear core holding supported by a single international fund is a very common and robust setup. The smaller growth sleeve adds extra upside potential but also some added bumpiness. The main takeaway is that this is a straightforward, easy‑to‑maintain all‑equity portfolio, where risk mainly comes from the stock market itself rather than complex or niche products.
Growth
Historically, $1,000 grew to about $1,952 over the period, which translates to a 13.05% compound annual growth rate (CAGR). CAGR is like average speed on a road trip: it smooths out all the ups and downs into one yearly growth number. This result slightly lagged the US market but beat the broader global market, which is a good sign for a balanced global tilt. The max drawdown of around -26% shows that there were meaningful drops, similar to global markets. The key takeaway is that returns have been strong but not free of volatility, and performance sits comfortably within what you’d expect from a diversified stock portfolio.
Projection
The Monte Carlo projection uses past data and volatility to simulate 1,000 different 15‑year futures, like running many alternate timelines. The median outcome turns $1,000 into about $2,845, with a wide but reasonable range of possible results. Around three‑quarters of the simulations end higher than today, and the average annualized return across them is 8.48%. This gives a rough sense of what might happen if markets behave somewhat like they have historically. Still, it’s crucial to remember that these are estimates, not promises: real‑world returns can be better or worse, especially over shorter periods or during unusual economic events.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with 0% in bonds, cash, or alternatives. That creates high exposure to growth but also directly to stock market ups and downs. From an asset‑class perspective, there’s no built‑in cushion like high‑quality bonds, which tend to soften blows during equity sell‑offs. For long time horizons, a 100% stock allocation can make sense if someone is comfortable with big swings. For shorter horizons or lower risk tolerance, adding more defensive asset classes can help smooth the ride. As it stands, the portfolio leans toward growth and volatility rather than income or capital preservation.
Sectors
- Technology 31%
- Financials 13%
- Consumer Discretionary 10%
- Industrials 10%
- Telecommunications 10%
- Health Care 9%
- Consumer Staples 6%
- Energy 3%
- Basic Materials 3%
- Utilities 3%
- Real Estate 2%
Sector exposure is tilted toward technology at 31%, with meaningful allocations to financials, consumer‑linked areas, and industrials, plus smaller slices in utilities, energy, and real estate. Compared with a typical global equity benchmark, this is somewhat tech‑heavy but not extreme. Tech and related growth areas tend to benefit from innovation and lower interest rates, but they can be hit harder when rates rise or sentiment turns. The good news is that other sectors are well represented, which supports diversification. Overall, this sector mix is modern and growth‑oriented while still maintaining a reasonably broad spread across the economy.
Regions
- North America 77%
- Europe Developed 10%
- Japan 4%
- Asia Developed 4%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 77% is in North America, with the rest spread across Europe, Japan, other developed Asia, and emerging regions. This is more US‑centric than a true global market cap index, which typically has a lower US share. That home‑bias style allocation has worked well in the last decade but links outcomes closely to the US economy and dollar. The presence of Europe, Japan, and emerging markets still adds useful diversification, especially if leadership rotates away from US stocks. The key takeaway is that global exposure is present and helpful, but the portfolio’s fate is still heavily tied to North American markets.
Market capitalization
- Mega-cap 47%
- Large-cap 34%
- Mid-cap 17%
- Small-cap 1%
Market‑cap exposure is dominated by mega‑caps and large‑caps, which together make up over 80% of the portfolio, with modest mid‑cap exposure and almost no small‑caps. That’s typical for index‑style investing and reflects where most of the world’s market value sits. Large companies tend to be more stable and liquid than smaller ones, which can reduce extreme volatility but may slightly limit very high‑growth potential. The small mid‑cap slice does add some extra growth flavor. Overall, this size distribution is very much in line with market norms and supports broad, benchmark‑like behavior rather than aggressive small‑cap tilts.
True holdings
-
NV NVIDIA Corporation 5.63%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 5.07%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.78%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.71%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.35%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.97%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.92%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.90%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.61%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 1.02%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 27.97%
Looking through the ETFs, the biggest underlying exposures are familiar mega‑cap names like NVIDIA, Apple, Microsoft, Amazon, and Alphabet. These show up across multiple funds, which quietly increases concentration in the largest US growth companies even though only top‑10 ETF positions are captured here. This kind of overlap is normal in broad index products, but it means the portfolio’s behavior is partly tied to how a small group of giants performs. The positive side is exposure to world‑leading businesses; the trade‑off is that major swings in these names can noticeably move the overall portfolio more than the simple ETF list suggests.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility is essentially neutral, hovering around the 50% mark. Factors are like underlying “personality traits” of stocks—such as cheapness (value) or stability (low volatility)—that research has tied to long‑term returns. A neutral profile means the portfolio behaves much like the overall market rather than leaning strongly into any particular style. This is a strength for someone who wants broad exposure without making big timing bets on specific factors. It also means results will track mainstream indices closely, for better or worse, rather than zigging when markets zag.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 65.00% 65.8% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 25.00% 21.3% -
Invesco NASDAQ 100 ETF
Weight: 10.00% 12.8%
Risk contribution shows how much each ETF drives overall volatility, which can differ from simple weights. Here, the core US ETF is about 65% of both weight and risk, so it roughly pulls its fair share. The international fund contributes a bit less risk than its weight, suggesting it slightly dampens volatility. The NASDAQ 100 slice contributes more risk than its 10% weight, reflecting its growthy and more volatile nature. This is a clean, intuitive pattern: the “spicy” holding adds extra punch, while the global holding gently diversifies. Rebalancing over time could keep that balance aligned with the intended risk profile.
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 risk‑return chart, the current mix sits on or very close to the efficient frontier, meaning that for this set of holdings, the portfolio is getting a solid tradeoff between expected return and volatility. The Sharpe ratio—risk‑adjusted return measure—is 0.59, a bit below the optimal mix’s 0.80 but within a tight band. Crucially, the data suggests that major improvements would come from small reallocations within these same three ETFs, not from adding new products. That’s a strong sign: the overall structure is already efficient, and any tweaks would be about fine‑tuning rather than fixing big issues.
Dividends
- Invesco NASDAQ 100 ETF 0.50%
- Vanguard S&P 500 ETF 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- Weighted yield (per year) 1.58%
The overall dividend yield is about 1.58%, with the highest yield coming from the international fund and the lowest from the NASDAQ 100 ETF. Dividends are the cash payments companies distribute from profits, and over long periods they can make up a meaningful chunk of total returns, especially if reinvested. This yield level is modest, in line with a growth‑oriented global equity mix. It suggests the portfolio is tilted more toward capital appreciation than income. For someone not relying on regular cash payouts, that’s perfectly fine; reinvested dividends quietly compound in the background and support long‑term growth.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.05%
Total ongoing fees (TER) come out around 0.05%, which is impressively low. TER is the annual percentage the funds charge for running the ETFs—similar to a small membership fee. Keeping costs down is one of the few things investors can fully control, and the difference between 0.05% and, say, 0.5% compounds significantly over decades. Using broad, low‑cost index funds like these is very much aligned with best practices in long‑term investing. This cost structure supports better net returns and leaves more of the market’s growth in the investor’s pocket rather than going to fund providers.
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