Balanced global stock portfolio with strong US tilt low costs and a focused semiconductor sleeve
Report created on May 11, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 50.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 20.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
SO Invesco PHLX Semiconductor ETF
SOXQ - US46138G6153 10.00%
This portfolio is built entirely from four stock ETFs, with half in a broad US market fund and another 20% in a US dividend-focused ETF. A further 20% is in a total international equity fund, and 10% is in a concentrated semiconductor ETF. So the core is low-cost, broad-market exposure, with a more focused growth-leaning satellite in chips and an income-tilted slice. This structure matters because broad funds spread risk widely, while the satellite positions add more specific themes and behavior. Overall, the mix is simple and easy to understand: one large US core, a solid international sleeve, plus two tilts that shape income and sector risk.
Growth
Over the period from mid-2021 to early 2026, $1,000 in this portfolio grew to about $1,824, which translates into a compound annual growth rate (CAGR) of 13.08%. CAGR is like the average speed of a road trip, smoothing out bumps along the way. The portfolio slightly lagged the US market benchmark by 0.28% per year but outpaced the global market by 2.31% annually. Its deepest drop from peak to trough, or max drawdown, was about -26%, fairly similar to global stocks. Recovery from that drawdown took about 14 months, showing that while drawdowns were meaningful, they were not unusually prolonged relative to equity markets.
Projection
The Monte Carlo projection uses 1,000 simulations based on historical patterns to estimate a range of future outcomes. Think of it as “replaying” many possible futures using past volatility and returns. For a $1,000 starting point over 15 years, the median outcome ends near $2,792, with a wide central range from about $1,763 to $4,257. The simulations show a 72.5% chance of finishing with a positive return, and an average annualized result of 8.17%. This highlights both potential growth and uncertainty: outcomes vary a lot. As always, past data may not reflect future conditions, so these numbers are guides, not promises.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with no bonds or cash-like assets included. That makes the asset class mix straightforward but also means there is no built-in buffer from fixed income during equity sell-offs. A 100% stock allocation typically aims for higher long-term growth but accepts larger swings in value along the way. Compared with classic “balanced” blends that mix stocks and bonds, this structure leans more toward equity-type risk. The high diversification score within stocks helps, but it does not change the fact that the entire portfolio moves with global equity markets rather than being softened by other asset classes.
Sectors
- Technology 33%
- Financials 13%
- Health Care 10%
- Industrials 10%
- Consumer Discretionary 8%
- Consumer Staples 7%
- Telecommunications 7%
- Energy 6%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector-wise, the portfolio leans heavily into technology at 33%, well above what many broad global benchmarks carry. Financials, health care, and industrials each have solid slices, while utilities and real estate are quite small. A big tech share can be a return driver in growth-oriented periods, especially with the dedicated semiconductor ETF adding extra concentration in one industry. However, tech-heavy portfolios often swing more when interest rates change or when growth stocks fall out of favor. The mix across the other sectors is reasonably spread out, which supports diversification, but the elevated tech weight is the defining sector trait here.
Regions
- North America 80%
- Europe Developed 8%
- Asia Developed 3%
- Japan 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, around 80% of the portfolio is in North America, with relatively modest allocations to Europe, Japan, and various developed and emerging Asian regions. This is more US-tilted than a typical global market portfolio, where the US is large but not usually this dominant. A strong home-country tilt can work well when that market outperforms, as the recent decade has shown for US stocks, but it also ties the portfolio closely to one economy, currency, and policy environment. The smaller exposures to other regions provide some diversification, yet the overall risk and return are mainly driven by North American equity behavior.
Market capitalization
- Large-cap 40%
- Mega-cap 33%
- Mid-cap 19%
- Small-cap 5%
- Micro-cap 1%
By market capitalization, the portfolio is clearly anchored in larger companies: about 73% is in mega- and large-cap stocks, with mid-caps at 19% and only small and micro-caps together at 6%. Larger companies often have more stable earnings and deeper markets, which can mean relatively smoother trading and somewhat lower volatility than a small-cap-heavy approach. At the same time, smaller companies can sometimes grow faster in certain environments but tend to be bumpier. This size breakdown is broadly similar to many broad market indexes and supports the idea of a mainstream, index-like core, rather than an aggressive small-cap tilt.
True holdings
-
NV NVIDIA Corporation 4.24%
Part of fund(s):- Invesco PHLX Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 2.96%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.19%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.10%
Part of fund(s):- Invesco PHLX Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.60%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
QC Qualcomm Incorporated 1.53%
Part of fund(s):- Invesco PHLX Semiconductor ETF
- Schwab U.S. Dividend Equity ETF
-
TX Texas Instruments Incorporated 1.52%
Part of fund(s):- Invesco PHLX Semiconductor ETF
- Schwab U.S. Dividend Equity ETF
-
GO Alphabet Inc Class A 1.33%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.06%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
UN UnitedHealth Group Incorporated 1.02%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
- Top 10 total 19.53%
Looking through the ETFs’ top holdings, a handful of big names stand out: NVIDIA, Apple, Microsoft, Broadcom, Amazon, Alphabet, and a few others. NVIDIA alone adds up to about 4.24% of the portfolio from its presence in multiple funds, and Apple is close to 3%. This kind of overlap is common when several ETFs all own the same popular large companies. It creates “hidden concentration,” where a stock’s importance is higher than it looks from any single ETF. Because this analysis only covers ETF top-10 lists, the true overlap is likely a bit higher, but the main takeaway is that big US tech-related names are influential.
Factors
Factor exposure across the classic six factors — value, size, momentum, quality, low volatility, and yield — is very close to neutral. Scores hover around the 50% mark in each case, which is basically market-like behavior rather than a strong tilt toward or away from any specific characteristic. Factors are like the underlying “flavors” that help explain why some stocks behave differently from others. A neutral profile suggests the portfolio will mostly move with broad market trends rather than behaving like a deep-value strategy, a momentum portfolio, or a low-volatility mix. This balance supports the idea of a diversified, index-style core.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 50.00% 50.8% -
Invesco PHLX Semiconductor ETF
Weight: 10.00% 18.4% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 16.6% -
Schwab U.S. Dividend Equity ETF
Weight: 20.00% 14.1%
Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ from its simple weight. The broad US ETF is 50% of the portfolio and contributes about 51% of total risk, so its impact is roughly proportional. The semiconductor ETF is only 10% by weight but accounts for over 18% of risk, reflecting that it’s more volatile and concentrated. The international and dividend ETFs each contribute less risk than their weights suggest. Overall, the top three positions drive nearly 86% of total risk, which is common for a compact portfolio but highlights how key the semiconductor sleeve and US core are.
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 suggests this portfolio sits on or very near the frontier, meaning that for its current holdings and risk level, the mix is already using them efficiently. The Sharpe ratio, which measures return per unit of risk above the risk-free rate, is 0.55 for the current setup. The minimum-variance version of these holdings has a slightly higher Sharpe of 0.57 but with lower expected return and lower risk. The maximum-Sharpe version pushes both risk and return much higher. The key insight is that, given these four ETFs, the existing allocation is a solid balance between simplicity and efficient use of risk.
Dividends
- Schwab U.S. Dividend Equity ETF 3.30%
- Invesco PHLX Semiconductor ETF 0.30%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.73%
The blended dividend yield of the portfolio sits at about 1.73%, driven mainly by the Schwab U.S. Dividend Equity ETF at 3.3% and the international ETF at 2.7%. The broad US market fund contributes a modest 1% yield, while the semiconductor ETF is very low at 0.3%. Dividends can be an important part of total return over time, especially when reinvested, but in this mix, the income side is moderate rather than high. The dedicated dividend ETF adds an income tilt compared with a pure total-market approach, without dominating the overall character of the portfolio, which still leans toward total return from price changes.
Ongoing product costs
- Schwab U.S. Dividend Equity ETF 0.06%
- Invesco PHLX Semiconductor ETF 0.19%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.06%
Costs are impressively low across the board. The total expense ratio (TER) of the overall portfolio is about 0.06%, with the cheapest fund at 0.03% and even the most expensive semiconductor ETF at just 0.19%. TER is the annual fee charged by the funds, like a small ongoing service charge. Keeping this figure low is helpful because every fraction of a percent saved in fees stays invested and can compound over time. This cost level is firmly in line with, or better than, many broad index solutions, giving the portfolio a strong structural advantage that supports better long-term net returns.
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