Broad global equity core with strong US tilt modest gold sleeve and low volatility tilt

Report created on May 7, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

The portfolio is built around four ETFs, with about 95% in stocks and 5% in gold. The core is a 60% allocation to a broad US large‑cap index, complemented by 30% in a diversified international equity fund. A smaller 5% slice targets US small‑cap value stocks, and 5% is in a physical gold ETF. Structurally this is an equity‑dominated mix with a small alternative diversifier. Understanding this layout helps clarify what mainly drives results: global stock markets, particularly the US. The presence of a single small‑cap and a gold sleeve adds some nuance, but the backbone is broad equity exposure, which usually means meaningful participation in both ups and downs of stock markets.

Growth Info

Over the period from late 2021 to May 2026, $1,000 grew to about $1,714, giving a compound annual growth rate (CAGR) of 12.37%. CAGR is like average speed on a road trip, smoothing out bumps along the way. The portfolio’s return closely matched the US market benchmark and beat the global benchmark by roughly 2 percentage points per year. The maximum drawdown, or worst peak‑to‑trough drop, was about -24%, similar to major indices, taking nine months to fall and fifteen to recover. This pattern shows equity‑like risk with broadly market‑level returns. Only 18 days generated 90% of gains, underlining how missing a few strong days can heavily affect long‑term outcomes.

Projection Info

The forward projection uses a Monte Carlo simulation, which runs 1,000 “what if” paths by reshuffling past return patterns to estimate possible futures. It shows a median outcome of around $2,784 after 15 years from $1,000, with a wide but informative range: roughly $1,774–$4,166 in the middle half of scenarios. A few low‑probability paths end near break‑even or below, while some land much higher. The overall average simulated annual return is about 8%. These numbers highlight that even with strong historical data, future paths can vary a lot. Monte Carlo doesn’t predict a single result; it simply shows how uncertain, but potentially rewarding, long‑term equity investing can be.

Asset classes Info

  • Stocks
    95%
  • Other
    5%

Asset‑class exposure is very straightforward: about 95% in stocks and 5% in “other,” which here is gold. Stocks are ownership in companies and typically drive growth, while gold is often seen as a store of value that may behave differently in stress periods. Compared with many blended portfolios that include bonds, this mix is more growth‑oriented and directly tied to equity markets. The small but distinct gold position slightly offsets that, offering a different return stream that has historically sometimes helped when equities struggle. Overall, the portfolio lines up with a stock‑heavy, modestly diversified structure where equity risk is clearly the dominant driver of long‑term outcomes.

Sectors Info

  • Technology
    25%
  • Financials
    14%
  • Industrials
    11%
  • Consumer Discretionary
    10%
  • Telecommunications
    8%
  • Health Care
    8%
  • Energy
    5%
  • Consumer Staples
    5%
  • Basic Materials
    5%
  • Utilities
    2%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is broad, with meaningful allocations across technology, financials, industrials, consumer areas, and more defensive segments. Technology is the largest slice at about a quarter of equity exposure, which is broadly similar to many global benchmarks in recent years. Financials, industrials, and consumer cyclicals together form another large chunk, while health care and telecom add further balance. Smaller allocations to energy, staples, materials, utilities, and real estate round things out. This allocation is well‑balanced and aligns closely with global standards, which is helpful for diversification because it spreads exposure across different parts of the economy rather than leaning heavily on just one type of business cycle or interest‑rate environment.

Regions Info

  • North America
    67%
  • Europe Developed
    11%
  • Japan
    5%
  • Asia Developed
    5%
  • Asia Emerging
    4%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, the portfolio has a strong US and North American tilt at about 67%, with the rest diversified across developed Europe, Japan, developed Asia, emerging Asia, and smaller slices in other regions. This is slightly more US‑heavy than a typical global market‑cap index, which usually has the US closer to 60%, but it still includes a meaningful non‑US component. Geographic mix matters because different economies, currencies, and policy environments create distinct return drivers. The presence of both developed and emerging markets outside North America adds another layer of diversification. This structure lets US performance play a big role while still tapping growth and income from many other parts of the world.

Market capitalization Info

  • Mega-cap
    36%
  • Large-cap
    30%
  • Mid-cap
    20%
  • Small-cap
    6%
  • Micro-cap
    3%

This breakdown covers the equity portion of your portfolio only.

By market capitalization, the portfolio leans toward mega‑ and large‑cap companies, with those together making up about two‑thirds of equity exposure. Mid‑caps hold a solid slice, while small‑ and micro‑caps together total just under 10%. Large companies often bring more stable earnings, deeper liquidity, and wider analyst coverage, which can contribute to smoother behavior than a portfolio dominated by tiny firms. The dedicated small‑cap value ETF adds a targeted dose of smaller, more value‑oriented names, but it does not dominate the mix. Overall, this size distribution looks similar to many global equity indices, providing broad participation in the corporate universe while avoiding heavy concentration in very small, more volatile stocks.

True holdings Info

  • NVIDIA Corporation
    4.55%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Apple Inc
    4.00%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    2.95%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    2.18%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    1.79%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    1.57%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    1.44%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Meta Platforms Inc.
    1.34%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Tesla Inc
    1.12%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
  • Berkshire Hathaway Inc
    0.94%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Top 10 total 21.89%

This breakdown covers the equity portion of your portfolio only.

Looking through to the biggest underlying holdings, the largest exposures are familiar global megacaps like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Berkshire Hathaway. Many of these appear via multiple ETFs, which creates some overlap: for example, Apple and Microsoft show up across broad US and possibly global funds. Overlap matters because it can increase hidden concentration in a handful of large, influential companies even when the top‑level holdings list looks diversified. Coverage here only reflects ETF top‑10 positions, so actual overlap may be somewhat higher. Still, this pattern is typical for index‑heavy portfolios, where a small set of very large firms naturally drive a noticeable share of overall performance.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 95%
Size
Exposure to smaller companies
Neutral
Data availability: 95%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 95%
Quality
Preference for financially healthy companies
Neutral
Data availability: 95%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 100%

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 exposure is mostly neutral across value, size, momentum, quality, and yield, meaning it behaves broadly like the overall market on those dimensions. Factor exposure is like checking which “traits” your stocks share, such as being cheap, fast‑rising, or stable. The one notable tilt is toward low volatility, with a “High” reading around 62%. That indicates a lean toward stocks that historically move less than the market. In practice, a low‑vol tilt may soften the blow in sharper downturns but often lags exuberant rallies, especially in very speculative segments. It’s a mild tendency, not an extreme one, but it helps explain why risk metrics can look a bit more controlled than pure high‑beta growth portfolios.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 60.00%
    64.7%
  • Dimensional World ex U.S. Core Equity 2 ETF
    Weight: 30.00%
    27.8%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 5.00%
    6.0%
  • SPDR Gold MiniShares
    Weight: 5.00%
    1.5%

Risk contribution shows how much each holding drives overall ups and downs, which can differ from simple weights. Here, the 60% US large‑cap ETF contributes about 65% of portfolio risk, slightly more than its weight, reflecting its central role. The 30% international fund contributes roughly 28%, so a bit less than its size. The small‑cap value ETF, only 5% by weight, adds just over 6% of risk, highlighting that smaller, value‑oriented stocks can be somewhat punchier. Gold, also 5% of the portfolio, contributes only about 1.5% of risk, thanks to lower correlation with equities. Overall, the top three holdings drive over 98% of risk, consistent with a concentrated but still diversified equity core.

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 efficient frontier analysis compares this portfolio’s risk/return trade‑off to the best mix theoretically achievable using the same four ETFs. The current portfolio has a Sharpe ratio of 0.58, a measure of return per unit of risk above cash, while the optimal and minimum‑variance mixes show much higher Sharpe ratios above 1. This means that, based on historical behavior, different weightings among these same holdings could have delivered higher expected returns for similar or even lower volatility. The current setup sits about 7.5 percentage points below the frontier at its risk level. In plain terms, the ingredients are strong, but the proportions aren’t using the full potential shown by the optimization.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Dimensional World ex U.S. Core Equity 2 ETF 2.20%
  • Vanguard S&P 500 ETF 1.10%
  • Weighted yield (per year) 1.38%

The overall dividend yield is about 1.38%, combining a 1.10% yield from the US large‑cap ETF, 2.20% from the international equity ETF, and 1.30% from the small‑cap value fund. Dividend yield is the annual cash payout as a percentage of price, like interest on a savings account but not guaranteed. This is a modest income level and broadly in line with a growth‑tilted global equity portfolio. Dividends still matter because they can contribute a steady portion of total return, especially over long periods where reinvested payouts compound. The fact that non‑US equities yield more here is consistent with many markets outside the US historically paying higher dividends than large US growth stocks.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Dimensional World ex U.S. Core Equity 2 ETF 0.28%
  • SPDR Gold MiniShares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.12%

Average ongoing fund costs are low, with a total expense ratio (TER) for the portfolio around 0.12%. TER is the annual fee charged by funds to cover management and operations, taken out of returns automatically. The largest holding, the US large‑cap ETF, is especially cheap at 0.03%, while the international and small‑cap value funds are modestly higher but still in a reasonable range, and gold sits at 0.10%. These costs are impressively low, supporting better long‑term performance because less return is lost to fees each year. Over decades, even small fee differences can compound significantly, so having a low‑cost structure like this is a strong foundational positive for the portfolio.

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