Diversified global growth portfolio with strong balance between stability income and long term upside

Report created on Mar 27, 2026

Risk 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

The portfolio is built as a mostly equity-based mix with a sizable stabilizer in short term government bonds. About four fifths of the allocation is in stocks across broad global funds plus several targeted thematic and country ETFs, while roughly one fifth sits in short term treasuries. This structure creates a clear growth engine supported by a defensive cushion that can help during market drops. The combination of broad index funds and smaller satellite positions adds both diversification and some intentional tilts. For a balanced risk profile, this composition is well-aligned with common practice and offers a sensible blend of growth potential and capital preservation over a multi-year horizon.

Growth Info

Historically, $1,000 grew to about $2,205, giving a compound annual growth rate (CAGR) of 10.09%. CAGR is the “average speed” of growth per year over the whole period. This slightly beat the global market benchmark and trailed the US market, which has been unusually strong since 2017. The max drawdown of roughly -30% was a bit smaller than the big drops in the benchmarks, which fits a balanced profile with bonds. This suggests the portfolio has traded some upside for smoother rides in tough markets. As always, past performance just shows how this mix handled previous conditions and can’t guarantee similar results next time.

Asset classes Info

  • Stocks
    82%
  • Bonds
    18%

Asset allocation is strongly growth oriented, with about 82% in equities and 18% in bonds. For a “balanced” label, this leans somewhat more aggressive than a classic 60/40 mix, but it’s still far from an all-equity posture. The short term treasury slice acts as a volatility dampener and potential source of funds during market stress, while the stock exposure drives long term returns. This balance lines up well with many investors who can tolerate meaningful ups and downs in exchange for higher growth potential. The allocation is also straightforward and easy to understand, which is helpful for staying disciplined through future market cycles.

Sectors Info

  • Technology
    20%
  • Financials
    16%
  • Industrials
    12%
  • Basic Materials
    9%
  • Consumer Discretionary
    5%
  • Health Care
    5%
  • Utilities
    4%
  • Telecommunications
    4%
  • Consumer Staples
    3%
  • Energy
    3%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is nicely spread, with technology, financials, and industrials leading but no extreme concentration in any single area. A roughly one fifth allocation to technology is broadly in line with global indices and reflects the modern economy without going all-in on one theme. Materials, utilities, and energy exposure is boosted through miners, clean energy, and related ETFs, giving some linkage to commodities and infrastructure trends. This sector distribution looks well-balanced and aligns closely with diversified benchmark patterns, which is a strong indicator of resilience. It means that no single industry is likely to dictate total portfolio outcomes, helping smooth performance as different sectors move in and out of favor.

Regions Info

  • North America
    46%
  • Europe Developed
    11%
  • Asia Emerging
    8%
  • Australasia
    6%
  • Latin America
    4%
  • Asia Developed
    3%
  • Japan
    2%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, the portfolio tilts toward North America but also includes meaningful stakes across Europe, Asia, Latin America, Australasia, and smaller regions. The US and Canada remain the core driver, consistent with many global portfolios, yet there’s clearly intentional exposure to emerging and smaller markets via country-specific ETFs. This broad geographic reach can reduce the risk that any single economy or policy cycle dominates returns. Compared with common world indices, the allocation appears more diversified into certain smaller and resource-oriented markets, which may behave differently from the major developed regions. That extra spread of countries can be a strength, provided the added volatility from less mature markets fits the intended risk comfort.

Market capitalization Info

  • Large-cap
    25%
  • Mega-cap
    24%
  • Mid-cap
    21%
  • Small-cap
    7%
  • Micro-cap
    3%

This breakdown covers the equity portion of your portfolio only.

Market capitalization is well spread across mega, large, and mid caps, with smaller allocations to small and micro caps. That means the portfolio is anchored in larger, more established companies while still leaving room for higher growth but bumpier smaller firms. This mix tends to offer a good compromise: mega and large caps usually provide stability and liquidity, while smaller companies can add dynamism and differentiated return drivers. The inclusion of micro caps is modest, helping avoid excessive risk from thinly traded names. Overall, this market cap profile is broadly diversified and sits close to a global market-like structure, which supports resilient performance across different phases of the business cycle.

True holdings Info

  • Sprott Physical Silver
    2.50%
  • NVIDIA Corporation
    1.65%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • iShares Semiconductor ETF
  • Apple Inc
    1.13%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    0.85%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • iShares Semiconductor ETF
  • Microsoft Corporation
    0.84%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • BHP Group Ltd
    0.70%
    Part of fund(s):
    • iShares MSCI Australia ETF
  • Commonwealth Bank of Australia
    0.69%
    Part of fund(s):
    • iShares MSCI Australia ETF
  • Amazon.com Inc
    0.59%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Bloom Energy Corp
    0.58%
    Part of fund(s):
    • Vanguard Small-Cap Growth Index Fund ETF Shares
    • iShares Global Clean Energy ETF
  • Alphabet Inc Class A
    0.52%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Top 10 total 10.06%

Looking through the top ETF holdings, a few big names like NVIDIA, Apple, Microsoft, Amazon, and Alphabet appear across multiple funds, especially broad US and growth-tilted ETFs. This creates “hidden” concentration, where several funds depend on the same companies even if the individual weights look modest. For example, NVIDIA at about 1.65% via funds can still drive a noticeable slice of returns because of its volatility and prominence. The strong presence of large global leaders is normal for diversified index-based portfolios and often beneficial, but it does mean performance is somewhat tied to how these mega-cap companies fare. Overlap may actually be higher than shown since only ETF top-10 positions are captured.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 100%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Low
Data availability: 100%
Quality
Preference for financially healthy companies
Low
Data availability: 100%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 98%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 100%

Factor exposure shows a strong tilt toward low volatility and mild tilts away from value, momentum, and quality. Factors are like underlying “personality traits” of stocks that research has tied to returns and risk. A high low volatility score suggests the holdings, on average, move less dramatically than the market, which can help reduce drawdowns and emotional stress during big selloffs. The lower scores in momentum and quality mean the portfolio doesn’t particularly chase recent winners or the very strongest balance sheets. Instead, the mix appears more defensive and income-supportive, helped by a neutral yield factor and the bond position. This profile should hold up relatively well in choppy or risk-off environments.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 17.00%
    19.3%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 15.00%
    16.0%
  • iShares Semiconductor ETF
    Weight: 5.00%
    9.3%
  • Vanguard Small-Cap Growth Index Fund ETF Shares
    Weight: 5.00%
    7.0%
  • iShares Global Clean Energy ETF
    Weight: 5.00%
    7.0%
  • Top 5 risk contribution 58.6%

Risk contribution reveals that a few positions drive more of the portfolio’s ups and downs than their weights suggest. For example, the semiconductor ETF at 5% weight contributes over 9% of total risk, and clean energy plus small-cap growth similarly punch above their size. Risk contribution measures how much each holding adds to overall volatility, which can differ from simple percentage allocation. The fact that the top three exposures account for nearly 45% of risk shows that part of the ride is concentrated in a small set of growth and tech-related assets. Adjusting position sizes or pairing these with more stabilizing holdings could help even out the risk profile if desired.

Redundant positions Info

  • Vanguard Mid-Cap Growth Index Fund ETF Shares
    Vanguard Small-Cap Growth Index Fund ETF Shares
    High correlation

Correlation describes how investments move relative to each other, from -1 (opposite) to +1 (in sync). The mid-cap and small-cap growth ETFs are highly correlated, meaning they tend to rise and fall together. This reduces the diversification benefit between those two pieces, even though they are different funds. In practice, holding both still broadens exposure across company sizes, but the similarity in style and behavior limits the cushion one provides when the other is struggling. Being aware of these tight relationships helps set realistic expectations: during growth-led selloffs, these positions are likely to move in the same direction and amplify that particular style risk rather than offset it.

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 vs. return chart, the current portfolio sits below the efficient frontier, with a Sharpe ratio of 0.55. The Sharpe ratio measures return per unit of risk, like miles per gallon for your investments. The optimal mix of these existing holdings could deliver a much higher Sharpe, suggesting that simply reweighting the same funds might improve the trade-off between risk and reward. The minimum variance option shows how conservative the portfolio could be if risk were minimized, but that comes with much lower expected returns. The key insight is that the ingredients are strong, yet there appears to be room to fine-tune allocations to move closer to the frontier without adding new products.

Dividends Info

  • iShares MSCI Indonesia ETF 4.30%
  • iShares MSCI Ireland ETF 2.90%
  • iShares MSCI Peru ETF 1.50%
  • iShares MSCI Australia ETF 3.10%
  • SPDR S&P Kensho Future Security 0.20%
  • iShares Global Clean Energy ETF 1.50%
  • iShares MSCI Global Silver and Metals Miners ETF 1.90%
  • iShares Semiconductor ETF 0.50%
  • Vanguard Small-Cap Growth Index Fund ETF Shares 0.50%
  • Vanguard Short-Term Treasury Index Fund ETF Shares 4.00%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Mid-Cap Growth Index Fund ETF Shares 0.70%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • Weighted yield (per year) 2.18%

The overall dividend yield around 2.18% combines income from stocks and the short term treasury ETF. Several international country funds and the bond holding offer higher yields, while growth, tech, and thematic ETFs pay very little. Dividends can be an important part of total return, especially for balanced investors who like a mix of growth and ongoing cash flow. This level of yield is moderate: it offers some income without sacrificing too much exposure to growth-oriented assets. For investors reinvesting distributions, these dividends quietly buy more shares over time, which can accelerate compounding and help offset periods when price returns are weaker.

Ongoing product costs Info

  • iShares MSCI Indonesia ETF 0.59%
  • iShares MSCI Ireland ETF 0.50%
  • iShares MSCI Peru ETF 0.59%
  • iShares MSCI Australia ETF 0.50%
  • SPDR S&P Kensho Future Security 0.45%
  • iShares Global Clean Energy ETF 0.41%
  • iShares MSCI Global Silver and Metals Miners ETF 0.39%
  • iShares Semiconductor ETF 0.35%
  • Vanguard Small-Cap Growth Index Fund ETF Shares 0.07%
  • Vanguard Short-Term Treasury Index Fund ETF Shares 0.04%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Mid-Cap Growth Index Fund ETF Shares 0.07%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.21%

Costs are impressively low overall, with a total expense ratio (TER) of about 0.21%. TER is the annual fee charged by funds, expressed as a percentage of assets, and small differences here compound significantly over decades. The core index ETFs from Vanguard come in at rock-bottom costs, which is a major positive. The more specialized country and thematic ETFs are pricier, but they make up a relatively small share of the whole and don’t drag the blended cost too high. Keeping expenses this low is a real strength and supports better long term performance compared to similar portfolios that pay higher management fees for comparable exposure.

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