Global equity mix combining US growth tilt with broad international diversification and low ongoing costs
Report created on May 22, 2026Risk profile
4/7
Diversification profile
4/5
Positions
-
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 60.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 20.00% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 20.00%
This portfolio is a simple three-fund setup holding 100% in stock ETFs. Roughly 60% sits in a broad international fund, while the remaining 40% is split evenly between a US large-cap index and a NASDAQ-focused growth ETF. That means every dollar is exposed to global company shares rather than bonds or cash. This kind of all-equity structure tends to aim for higher long‑term growth but also rides out bigger ups and downs along the way. The overall mix leans a bit toward global diversification, with a clear extra dose of US large‑cap growth from the NASDAQ slice, which can shape how strongly the portfolio reacts to tech-heavy market moves.
Growth
From late 2020 to mid‑2026, $1,000 in this portfolio grew to about $2,056, a compound annual growth rate (CAGR) of 13.81%. CAGR is like your average speed on a road trip, smoothing out all the bumps. Over the same period, the US market grew faster at 15.92%, while the global market returned 13.62%, so this mix lagged the US but slightly beat the world index. The max drawdown of about −28.6% was deeper than both benchmarks, showing it can fall a bit harder in rough patches. Most returns came from just 24 strong days, underlining how missing a few big up days can heavily affect long‑term results.
Projection
The forward projection uses a Monte Carlo simulation, which is like running the portfolio through 1,000 different “what if” market paths based on past behavior. After 15 years, the median outcome for $1,000 is about $2,847, with a broad middle band from roughly $1,863 to $4,334. There’s also a wide possible range from about $985 to $7,877, showing that both disappointing and very strong outcomes are plausible. The average simulated annual return is 8.35%, and about three‑quarters of simulations end positive. These numbers are not promises; they just illustrate how a portfolio with this risk profile might behave under many different market conditions.
Asset classes
- Stocks 100%
All of this portfolio is invested in stocks, with no allocation to bonds, cash, or alternative assets. Equities historically have offered higher long‑term growth than safer assets, but they’re also more volatile, meaning values can swing more sharply year to year. A 100% stock mix therefore leans firmly into growth potential while accepting larger drawdowns along the way. Compared with many blended portfolios that mix in bonds, this structure will usually track equity markets more closely, both up and down. The absence of other asset classes means diversification is achieved within stocks themselves, rather than through balancing stocks against more defensive holdings.
Sectors
- Technology 29%
- Financials 16%
- Industrials 12%
- Consumer Discretionary 9%
- Telecommunications 8%
- Health Care 7%
- Consumer Staples 5%
- Basic Materials 5%
- Energy 4%
- Utilities 3%
- Real Estate 2%
Sector exposure is fairly broad, with the largest weights in technology, financials, and industrials. Technology at 29% is clearly the biggest slice, which reflects the influence of US large‑cap and NASDAQ stocks in the mix. This tech tilt can help during periods when digital, software, and chip-related companies lead markets but may add extra sensitivity during interest rate spikes or when growth stocks fall out of favor. Other sectors like consumer discretionary, telecom, health care, and staples all show meaningful representation, which helps spread risk across different parts of the economy. Energy, utilities, and real estate are smaller portions, so they have less impact on overall behavior.
Regions
- North America 45%
- Europe Developed 22%
- Asia Developed 10%
- Japan 9%
- Asia Emerging 8%
- Australasia 3%
- Africa/Middle East 2%
- Latin America 1%
- Europe Emerging 1%
Geographically, exposure is well spread across regions, with about 45% in North America and the rest across Europe, Asia, Japan, and smaller allocations to emerging regions. This aligns closely with what many global equity benchmarks look like, which is a strong sign of diversified geographic coverage. The dedicated international fund boosts holdings in developed Europe and Asia as well as emerging markets, reducing reliance on any single economy or currency. That said, the added NASDAQ and S&P 500 positions still give the portfolio a noticeable US flavor. Overall, this allocation is well-balanced and aligns closely with global standards for broad equity diversification.
Market capitalization
- Mega-cap 48%
- Large-cap 31%
- Mid-cap 16%
- Small-cap 2%
Most of the portfolio sits in mega‑ and large‑cap stocks, with 48% in mega‑caps and 31% in large‑caps, plus modest exposure to mid‑caps and a small slice of small‑caps. Larger companies tend to be more established and often less volatile than smaller firms, which can smooth out some of the swings in an all‑equity portfolio. The smaller allocations to mid‑ and small‑caps add some exposure to potentially faster‑growing but choppier companies. This market‑cap mix is broadly similar to many global indices, meaning the portfolio is largely capturing the behavior of the world’s biggest listed companies, with only a mild tilt down the size spectrum.
True holdings
-
NV NVIDIA Corporation 3.36%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 2.74%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 2.30%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
MS Microsoft Corporation 2.02%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 1.78%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.49%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.30%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.29%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.03%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
SS Samsung Electronics Co Ltd 0.97%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 18.29%
Looking through the ETFs, the top underlying exposures include well‑known global giants like NVIDIA, Apple, Taiwan Semiconductor, Microsoft, Amazon, Alphabet, Broadcom, Tesla, Samsung, and others. Several of these names appear in more than one ETF, especially across the two US funds, which can create hidden concentration even though you only see three tickers at the top level. For example, the combined exposure to a few mega‑cap tech and semiconductor companies is already several percent of the total portfolio based just on top‑10 data. Actual overlap is likely higher because only ETF top‑10 holdings were analyzed, so these numbers understate how repeated some of these positions may be.
Factors
Factor exposure here is very close to market‑like across value, size, momentum, quality, and yield, all sitting near the “neutral” range. Factor exposure describes how much a portfolio leans into traits like cheapness (value) or trend‑following (momentum) that research links to returns over time. The only notable tilt is toward low volatility at 63%, which is a mild lean toward stocks that have historically moved a bit less than the market. This can help slightly reduce swings compared with a pure market‑cap index while still staying fully invested in equities. Overall, the portfolio is well-balanced across factors with no extreme bets on any one style.
Risk contribution
-
Vanguard Total International Stock Index Fund ETF Shares
Weight: 60.00% 56.3% -
Invesco NASDAQ 100 ETF
Weight: 20.00% 24.6% -
Vanguard S&P 500 ETF
Weight: 20.00% 19.1%
Risk contribution looks at how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the international fund makes up 60% of the allocation and contributes about 56% of the risk, so its impact is roughly proportional. The NASDAQ ETF is 20% by weight but contributes roughly 24.5% of the risk, meaning it punches above its size, reflecting its growth‑heavy nature. The S&P 500 ETF’s risk share is close to its weight. Together, these three funds account for virtually all portfolio risk, which is expected in a concentrated three‑ETF setup but still useful to recognize.
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 risk‑return chart compares the current mix with an “efficient frontier,” which shows the best expected return for each risk level using just these three holdings in different weights. The current portfolio has a Sharpe ratio of 0.63, while the optimal mix on this frontier reaches 0.92, and the minimum‑variance version has 0.83. The Sharpe ratio is a simple way to measure return per unit of risk, after accounting for a risk‑free rate. Because the current portfolio sits about 1.49 percentage points below the frontier at its risk level, the data suggests that different weightings of the same three ETFs could potentially improve the risk/return balance.
Dividends
- Invesco NASDAQ 100 ETF 0.40%
- Vanguard S&P 500 ETF 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.90%
The combined dividend yield is about 1.90%, with the international fund providing the highest yield at 2.70%, the S&P 500 ETF around 1.00%, and the NASDAQ ETF at 0.40%. Dividend yield is the annual cash payout as a percentage of price, like an ongoing “rent” from owning shares. In this portfolio, most of the expected total return historically and in projections comes from price changes rather than income. The relatively modest yield is typical for growth‑oriented, large‑cap stock funds. Dividends can still play a helpful role by adding a steady component to returns, even if the main focus here is on capital appreciation.
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) 0.07%
Ongoing costs are impressively low, with a total expense ratio (TER) of about 0.07% across the portfolio. TER is the annual fee charged by the funds, like a small maintenance cost that’s automatically taken out. The individual funds are all low‑cost index ETFs: roughly 0.03% for the S&P 500 fund, 0.05% for the international fund, and 0.15% for the NASDAQ ETF. These levels are well below many actively managed funds and support better long‑term performance because less return is lost to fees each year. Over decades, even a fraction of a percent in fees can compound significantly, so this cost structure is a strong positive feature.
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