Broad global index mix with modest bond ballast and very low costs for balanced growth
Report created on Apr 20, 2026Risk profile
4/7
Diversification profile
4/5
Positions
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VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 60.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30.00% -
BN Vanguard Total Bond Market Index Fund ETF Shares
BND - US9219378356 10.00%
This portfolio is built from three broad index ETFs, with 60% in a total US stock fund, 30% in a total international stock fund, and 10% in a total bond fund. That means 90% is in global equities and 10% in investment‑grade bonds. Structurally, this is a simple “core” setup: one fund for US stocks, one for non‑US stocks, and one for bonds. A structure like this is easy to understand because each piece has a clear job. The result is a broadly diversified stock allocation with a small stabilizing bond slice acting as a cushion during more volatile equity periods.
Growth
From 2016‑04‑22 to 2026‑04‑15, a hypothetical $1,000 in this mix grew to about $3,124, a compound annual growth rate (CAGR) of 12.12%. CAGR is the “average speed” of growth per year, smoothing out the ups and downs. Over the same period, the US market grew faster at 14.77%, while the global market was roughly similar at 12.16%. The portfolio’s largest drop, or max drawdown, was ‑32.11% during early 2020, slightly less severe than both benchmarks. This shows that the small bond position and global spread modestly softened declines while still capturing much of global equity growth.
Projection
The Monte Carlo projection uses historical return and volatility patterns to simulate 1,000 different 15‑year futures for this portfolio. Think of it as “replaying history with shuffles and twists” to see a range of outcomes rather than one forecast. The median path ends around $2,665 from $1,000, with a 25–75% range of about $1,862–$3,936 and a broad 5–95% band of $975–$7,279. The average annualized return across simulations is 7.80%. These numbers highlight how uncertain long‑term results can be: outcomes cluster around growth, but there’s still a meaningful chance of flat or exceptional results. Simulations rely on past behavior, which may not repeat.
Asset classes
- Stocks 90%
- Bonds 10%
Asset‑class‑wise, the portfolio holds 90% stocks and 10% bonds. Stocks are ownership stakes in companies and tend to drive long‑term growth but come with larger swings. Bonds are loans to governments or companies and usually move less, offering income and some stability. A 90/10 split leans clearly toward growth, with only a modest risk buffer from bonds. Compared with many “balanced” blends that might hold substantially more bonds, this mix sits on the growth‑heavy side. The small bond slice still plays a role in softening volatility, but the portfolio’s behavior will mainly follow global equity markets.
Sectors
- Technology 24%
- Financials 14%
- Industrials 11%
- Consumer Discretionary 9%
- Health Care 9%
- Telecommunications 7%
- Consumer Staples 5%
- Basic Materials 4%
- Energy 4%
- Utilities 2%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Looking through the equity holdings, technology is the largest sector at 24%, followed by financials at 14% and industrials at 11%. Consumer‑related sectors, health care, telecom, and others are all present in single‑digit shares. This profile is broadly similar to global equity benchmarks, where technology has grown into a leading sector. Tech‑heavier allocations can see bigger moves when interest rates or innovation cycles shift quickly, while diversified exposure to financials, industrials, and consumer sectors helps spread economic risks. The presence of all major sectors, including smaller allocations to energy, utilities, and real estate, supports a balanced sector mix rather than a narrow thematic bet.
Regions
- North America 62%
- Europe Developed 11%
- Japan 5%
- Asia Developed 4%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, about 62% of the portfolio’s equity exposure is in North America, with Europe developed at 11%, Japan at 5%, and smaller slices across other Asian, Australasian, Latin American, and Africa/Middle East markets. This is quite close to the actual market‑cap weights of global stock indexes, which are currently dominated by US and other North American companies. A North America tilt has historically been beneficial over the last decade, but it also ties a large share of the portfolio’s fate to one region’s economy, currency, and policy environment. The meaningful exposures to Europe and multiple Asian regions add useful diversification beyond that core.
Market capitalization
- Mega-cap 38%
- Large-cap 27%
- Mid-cap 16%
- Small-cap 5%
- Micro-cap 1%
This breakdown covers the equity portion of your portfolio only.
By company size, the portfolio leans 38% into mega‑caps and 27% into large‑caps, with 16% mid‑caps and about 6% combined in small and micro‑caps. This is typical of broad market‑cap‑weighted funds, where the biggest companies naturally dominate. Larger firms often have more stable earnings and easier access to financing, which can reduce idiosyncratic risk but may also limit dramatic growth spurts compared with smaller companies. The inclusion of mid and smaller caps adds some extra growth potential and diversification, since these firms can behave differently across economic cycles. Overall, the size mix is naturally balanced and closely aligned with standard total‑market benchmarks.
True holdings
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NV NVIDIA Corporation 3.84%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 3.55%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.62%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.92%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.60%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.40%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.27%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.19%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.04%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
TS Tesla Inc 1.00%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 19.42%
This breakdown covers the equity portion of your portfolio only.
Looking through to the top underlying holdings, several large global companies appear, with NVIDIA, Apple, and Microsoft together making up a noticeable slice of the equity exposure. Other well‑known names like Amazon, Alphabet share classes, Meta, Tesla, and Taiwan Semiconductor also show up. Many of these are held via both the US and international stock ETFs, creating some overlap. Because only ETF top‑10s are used, overlap is likely understated. This kind of concentration in a handful of mega‑cap names is common in cap‑weighted global portfolios. It means headline moves in these companies can have a visible effect on overall portfolio performance.
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 all in the “neutral” band for value, size, momentum, quality, yield, and low volatility. Factor exposure describes how much a portfolio leans into characteristics like cheapness (value) or price trends (momentum) that research links to returns. A neutral profile around 50% suggests the portfolio behaves similarly to the broad market rather than intentionally loading up on any specific style. That means it is unlikely to strongly outperform or underperform because of factor tilts alone. Instead, its results are more likely to reflect general global equity and bond market behavior, which is what broad index funds are designed to capture.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 60.00% 68.9% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 30.5% -
Vanguard Total Bond Market Index Fund ETF Shares
Weight: 10.00% 0.7%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. Here, the US stock fund is 60% of the portfolio but contributes about 69% of the total risk. The international stock fund is 30% of assets and about 30% of risk, while the bond fund is 10% of assets yet only 0.69% of risk. This tells us almost all volatility comes from the two equity funds, especially the US portion, while the bond fund behaves as a small shock absorber. The alignment between equity weights and their risk shares is relatively intuitive and easy to monitor.
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 shows the portfolio very close to the efficient frontier, which is the curve of best possible return for each risk level using these three funds. The current mix has a Sharpe ratio of 0.53, while the mathematically “optimal” mix of the same holdings reaches a Sharpe of 0.77 by taking somewhat higher risk and return. The minimum‑variance mix is much calmer but with a low Sharpe of 0.27. Since this allocation already sits on or near the frontier, it is using its chosen risk level efficiently. Any major change in risk/return would come from deliberately shifting between stocks and bonds, not from fixing inefficiencies.
Dividends
- Vanguard Total Bond Market Index Fund ETF Shares 3.90%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.89%
The portfolio’s total yield is about 1.89%, coming from roughly 1.10% on US stocks, 2.80% on international stocks, and 3.90% on bonds. Dividend yield is the cash income paid out each year as a percentage of the investment’s price. Here, most of the income comes from the bond fund and the higher‑yielding international equities. While the overall yield is moderate rather than high, this aligns with a growth‑oriented mix where returns historically have come more from price appreciation than income. Dividends and bond interest still provide a steady baseline of return, which can help soften the impact of periods when prices are flat or declining.
Ongoing product costs
- Vanguard Total Bond Market Index Fund ETF Shares 0.03%
- 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) 0.04%
The portfolio’s total expense ratio (TER) is extremely low at about 0.04% per year, with 0.03% on the US stock and bond funds and 0.05% on the international stock fund. TER is the ongoing annual fee charged by the funds, taken out inside the ETF rather than as a separate bill. Costs matter because they compound over time: every dollar not spent on fees stays invested. In this case, the fees are impressively low and highly competitive, especially for such broad diversification. This cost profile supports better long‑term performance relative to higher‑fee options tracking similar segments of the market.
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