Portfolio X-ray
Balanced stock and cash portfolio with one speculative position and broadly diversified core holdings
Report created on Oct 1, 2026Risk profile
3/7
Diversification profile
4/5
The starting point
Positions
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VT Vanguard Total Stock Market Index Fund Admiral Shares
VTSAX - US9229087286 51.62% -
VM Vanguard Federal Money Market Fund Investor Shares
VMFXX - US9229063006 40.08% -
SO SoundHound AI Inc
SOUN - US8361001071 4.33% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 3.97%
This portfolio has a simple but interesting structure: a little over half in a broad US stock index fund, about 40% in a cash-like money market fund, a small global stock ETF slice, and a single speculative stock at just over 4%. The core index funds give wide exposure to thousands of companies, while the money market acts like a parking spot for cash. The standout feature is the one small individual stock, which introduces a focused bet alongside a very diversified base. Structurally, this mix blends growth potential from equities with a large stabilizing cash component, creating a cautious overall profile despite that one punchy stock holding.
Backtest and Monte Carlo forecast
How this exact mix would have done against benchmarks, and the range of outcomes ahead.
Analyze my own portfolio — freeAsset classes
- Stocks 60%
- Cash 40%
Asset allocation here is straightforward: around 60% in stocks and 40% in cash via a money market fund. Stocks are the main growth engine, while cash provides stability and liquidity. Compared to a typical all-equity benchmark, this is a more conservative mix, which helps explain both the lower drawdowns and lower long-term growth expectations. Holding a sizeable cash slice can feel comforting during volatile markets because its value doesn’t swing much day to day. The trade-off is that, over long horizons, cash usually grows more slowly than equities, so a structure like this prioritizes dampening volatility over maximizing potential returns.
Sectors
- Cash 40%
- Technology 23%
- Financials 7%
- Industrials 6%
- Health Care 5%
- Consumer Discretionary 5%
- Telecommunications 5%
- Consumer Staples 2%
- Energy 2%
- Real Estate 1%
- Basic Materials 1%
- Utilities 1%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is broad across the equity portion, with notable weights in technology, financials, industrials, health care, and consumer-related areas, plus smaller slices in energy, real estate, basic materials, and utilities. On top, 40% shows as “cash,” reflecting the money market fund. The equity mix looks reasonably balanced relative to common market indices, which is a positive sign for diversification: no single sector dominates the whole portfolio. Tech is the largest equity sector, which is common in modern stock markets and tends to mean higher sensitivity to innovation cycles and interest-rate expectations, but it’s cushioned here by the large, steady cash allocation.
Regions
- North America 56%
- Cash 40%
- Europe Developed 2%
- Asia Developed 1%
- Japan 1%
- Asia Emerging 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, most invested assets sit in North America, with smaller allocations to developed Europe, Japan, other developed Asia, and emerging Asia. That North American tilt is typical for portfolios built around broad US market funds, especially when the investor’s home country is the US. Relative to a global benchmark, there’s a noticeable home bias, meaning more exposure to the domestic market and currency. This can feel intuitive and has worked well at times, but it also means portfolio outcomes are strongly tied to one region’s economic and policy environment, with only modest diversification benefits from overseas markets.
Market capitalization
- Mega-cap 23%
- Large-cap 17%
- Mid-cap 15%
- Small-cap 4%
- Micro-cap 1%
This breakdown covers the equity portion of your portfolio only.
By market capitalization, the portfolio leans heavily into mega- and large-cap companies, with meaningful exposure to mid-caps and smaller allocations to small- and micro-caps. Market cap just means the total value of a company’s shares, so larger firms tend to be more established and often less volatile than tiny ones. This breakdown mirrors broad index construction, where the biggest companies naturally take up more space. The presence of mid- and smaller caps adds some growth and diversification potential, because these companies can behave differently from giants, but the overall structure still emphasizes the stability of larger, more mature businesses.
True holdings
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23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.16%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
SS Samsung Electronics Co Ltd 0.08%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
00 SK Hynix Inc 0.06%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
AS ASML Holding N.V. 0.06%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
07 Tencent Holdings Ltd 0.03%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
HS HSBC Holdings PLC 0.03%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
RO Roche Holding AG 0.03%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
RY Royal Bank of Canada 0.02%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
NO Novartis AG 0.02%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 4.81%
This breakdown covers the equity portion of your portfolio only.
The look-through data only covers a small slice of the portfolio, but it does highlight one clear feature: SoundHound AI appears as a 4.33% direct holding and does not reappear within the ETFs’ top positions, so there’s no visible overlap amplifying that specific name. Among the international ETF’s top holdings, exposure is spread across several large global companies from different industries and countries, each representing a tiny fraction of the total portfolio. Because only top-10 ETF holdings are captured, hidden overlaps in smaller positions are likely understated, but the available data suggests no single underlying company dominates beyond the explicitly chosen stock.
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 exposures are almost entirely neutral across value, size, momentum, quality, and low volatility, meaning the portfolio behaves a lot like the broad market on those dimensions. Factor exposure is basically how much your holdings lean into characteristics that research links to returns, like cheapness (value) or stability (low volatility). The one slightly notable feature is the low score on yield, reflecting a mild tilt away from high-dividend stocks. That’s consistent with broad, total-market index funds that don’t specifically chase dividends. Overall, this balanced factor profile suggests returns are likely driven more by general market movements than by targeted factor tilts.
Risk contribution
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Vanguard Total Stock Market Index Fund Admiral Shares
Weight: 51.62% 64.0% -
SoundHound AI Inc
Weight: 4.33% 31.9% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 3.97% 3.8% -
Vanguard Federal Money Market Fund Investor Shares
Weight: 40.08% 0.3%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can be very different from its weight. Here, the broad US index fund is about 52% of the portfolio but contributes 64% of total risk, acting as the main risk engine. The standout is SoundHound AI: at just 4.33% weight, it contributes nearly 32% of the risk, meaning its swings heavily influence short-term volatility. In contrast, the 40% money market fund barely moves the risk needle. This pattern illustrates how a small but volatile position can dominate the “emotional experience” of the portfolio, even alongside large, steady holdings.
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 vs. return chart shows this portfolio sitting right on or very close to the efficient frontier. The efficient frontier is the curve of the best possible return for each level of risk using only the current holdings with different weights. The portfolio’s Sharpe ratio of 0.76 is lower than the maximum Sharpe of 1.19 and far below the minimum-variance portfolio’s Sharpe, though that minimum-variance point has very low return and risk. Being near the frontier means that, given these specific holdings, the current balance of risk and return is already quite efficient, without obvious signs of wasted risk from a purely mathematical perspective.
Dividends
- Vanguard Federal Money Market Fund Investor Shares 3.40%
- Vanguard Total Stock Market Index Fund Admiral Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.30%
- Weighted yield (per year) 1.97%
The portfolio’s overall yield is about 1.97%, coming from three sources: a relatively high yield from the money market fund, modest dividends from the US stock index, and a slightly higher yield from the international ETF. Dividend yield is the cash income paid out each year as a percentage of investment value. Here, income is boosted by the sizable money market position, which currently yields more than the stock funds. For a growth-focused equity investor, this yield is moderate; for a cash-heavy portfolio, it’s quite reasonable. Dividends and interest don’t guarantee total return but can help smooth the ride when share prices are flat.
Ongoing product costs
- Vanguard Federal Money Market Fund Investor Shares 0.11%
- Vanguard Total Stock Market Index Fund Admiral Shares 0.04%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.07%
Total ongoing costs are low, with a blended TER (Total Expense Ratio) of about 0.07%. TER is the annual fee charged by funds, expressed as a percentage of assets, and it quietly chips away at returns over time. Index funds from Vanguard are known for being inexpensive, and this portfolio reflects that: all three funds charge between 0.04% and 0.11%. These fees are well below typical active fund costs and aligned with best practices for cost-conscious investing. Over long horizons, saving even a few tenths of a percent per year can add up meaningfully, so this low-cost setup is a structural strength.
What next?
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