Diversified US stock core with growth tilt bonds and metals providing a moderate risk balance

Report created on Apr 27, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is built mainly from broad equity index ETFs, with a clear US core plus several tilts. The largest piece is a wide US large‑cap fund, supported by international stocks, a total bond market ETF, a high‑dividend equity fund, and focused slices in small‑cap value, mid‑caps, tech, and semiconductors. A small allocation to gold and silver rounds things out. Structurally, this is a classic “core and satellites” approach: a diversified base with a few targeted growth and income add‑ons. That setup matters because the broad funds tend to drive the overall experience, while the satellites create differences versus generic index portfolios, especially during strong tech rallies or periods when dividends and precious metals behave differently.

Growth Info

From late 2020 to April 2026, $1,000 grew to about $2,218, implying a compound annual growth rate (CAGR) of 15.56%. CAGR is like your average speed on a road trip, smoothing out bumps along the way. Over the same period, the US market returned 15.23% and the global market 13.13%, so this mix slightly outpaced the US and clearly beat global equities. The worst peak‑to‑trough drop was about ‑24%, very similar to the US market’s drawdown and a bit milder than the global market’s. That means risk, in terms of big declines, has been broadly in line with mainstream equity indices, while returns were somewhat higher. As always, past performance doesn’t guarantee future results.

Projection Info

The Monte Carlo projection uses historical returns and volatility to simulate many possible 15‑year paths for this portfolio. Think of it as running 1,000 alternate futures where returns each year are randomly drawn from patterns similar to the past, including ups and downs. The median outcome is about $2,568 from $1,000, with a “likely” middle range of roughly $1,789 to $3,762. There is also a wide possible band from about $1,059 to $6,389. The average annualized return across simulations is 7.43%, and roughly 73% of paths end positive. These numbers highlight both the growth potential and the uncertainty: long‑term investing usually rewards patience, but results can differ a lot from any single forecast.

Asset classes Info

  • Stocks
    85%
  • Bonds
    10%
  • Other
    5%

Asset‑class‑wise, about 85% is in stocks, 10% in bonds, and 5% in “other” (gold and silver). This is an equity‑heavy structure, consistent with a “balanced but growth‑oriented” profile, where volatility will be driven mainly by the stock portion. The bond slice is broad and investment‑grade, which tends to dampen overall swings and provide some ballast during equity stress, though not in every scenario. The small metals sleeve behaves very differently from both stocks and bonds, and can sometimes shine when traditional markets struggle. Relative to a textbook 60/40 mix, this portfolio is more tilted to equities and alternatives, meaning a higher return potential but also a greater sensitivity to stock market cycles.

Sectors Info

  • Technology
    28%
  • Financials
    12%
  • Consumer Discretionary
    9%
  • Industrials
    8%
  • Telecommunications
    6%
  • Health Care
    6%
  • Consumer Staples
    5%
  • Energy
    4%
  • Utilities
    3%
  • Real Estate
    2%
  • Basic Materials
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is led by technology at 28%, with financials, consumer discretionary, industrials, telecom, and health care making up much of the remainder. Smaller allocations spread across staples, energy, utilities, real estate, and materials. This creates a noticeable but not extreme tilt toward growth‑oriented and innovation‑driven areas, in part because of the S&P 500, NASDAQ 100, and semiconductor ETF. Tech‑heavy allocations often benefit when growth stocks lead and interest rates are stable or falling, but they can be more volatile when rates rise or sentiment turns against high‑growth names. The diversification across many other sectors helps reduce single‑theme risk and aligns reasonably well with broad market sector patterns.

Regions Info

  • North America
    72%
  • Europe Developed
    6%
  • Asia Developed
    2%
  • Japan
    2%
  • Asia Emerging
    2%
  • Australasia
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 72% of the equity exposure is in North America, with smaller slices to developed Europe, Japan, other developed Asia, emerging Asia, and Australasia. This is a clear US‑tilted portfolio, which has been favorable over the last decade as US stocks outperformed many other markets. However, it also means a large share of risk and return is tied to one economy, one currency, and a relatively concentrated set of mega‑cap companies. The international allocation, though smaller than global‑market weights, still introduces some diversification by adding different economic cycles, policy regimes, and currencies. That mix can soften the impact if US markets lag, but the overall experience will remain primarily US‑driven.

Market capitalization Info

  • Mega-cap
    30%
  • Large-cap
    28%
  • Mid-cap
    19%
  • Small-cap
    5%
  • Micro-cap
    3%
  • No data
    3%

This breakdown covers the equity portion of your portfolio only.

By market cap, the portfolio is anchored in large companies: roughly 30% mega‑cap and 28% large‑cap, with meaningful exposure to mid‑caps and some small‑ and micro‑caps. This mirrors the fact that major indices are dominated by the biggest firms, while the dedicated small‑cap value and mid‑cap funds intentionally push some exposure down the size spectrum. Market capitalization matters because large companies often provide stability and easier liquidity, while smaller names can be more volatile but offer different growth and valuation dynamics. The presence of mid and small caps adds breadth beyond the headline giants, potentially smoothing concentration risk in just a handful of the world’s largest stocks, even though they still play a big role.

True holdings Info

  • NVIDIA Corporation
    4.53%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
    • iShares Semiconductor ETF
  • Apple Inc
    3.50%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    2.67%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    2.06%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
    • iShares Semiconductor ETF
  • Amazon.com Inc
    1.67%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    1.53%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    1.10%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Meta Platforms Inc.
    1.06%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Tesla Inc
    0.92%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
  • Berkshire Hathaway Inc
    0.59%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Top 10 total 19.66%

This breakdown covers the equity portion of your portfolio only.

Looking through ETF top‑10 holdings, a handful of large US growth names appear repeatedly, especially NVIDIA, Apple, Microsoft, Broadcom, Amazon, Alphabet, Meta, Tesla, and Berkshire. For example, NVIDIA alone adds up to about 4.5% of the portfolio via different funds. This is “hidden” concentration: even without holding these companies directly, overlapping ETFs bundle them in. Because only top‑10 positions are counted, actual overlap is likely higher than shown. This matters because the true impact of a few mega‑caps on performance, volatility, and drawdowns can be larger than any single ETF weight suggests, especially during tech rallies or corrections when these names tend to move markets.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 85%
Size
Exposure to smaller companies
Neutral
Data availability: 88%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 85%
Quality
Preference for financially healthy companies
Neutral
Data availability: 85%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
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 exposures are broadly neutral across value, size, momentum, quality, yield, and low volatility, clustering near the 50% “market‑like” mark. Factors are like underlying “ingredients” that academic research links to long‑term returns: for instance, value focuses on cheaper stocks, momentum on recent winners, and quality on stronger balance sheets. A neutral profile means the portfolio behaves similarly to a broad market index from a factor perspective, rather than strongly leaning into one style. The dedicated small‑cap value and high‑dividend slices add subtle tilts, but these are largely balanced out by broad index and growth‑oriented funds. This well‑balanced factor mix supports smoother behavior across different market regimes.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 37.50%
    40.2%
  • iShares Semiconductor ETF
    Weight: 6.25%
    12.5%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 12.50%
    11.5%
  • Fidelity® High Dividend ETF
    Weight: 10.00%
    9.1%
  • Invesco NASDAQ 100 ETF
    Weight: 6.25%
    8.4%
  • Top 5 risk contribution 81.7%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. The S&P 500 ETF is 37.5% of the portfolio but contributes about 40% of total risk, so its swings are slightly amplified in the overall experience. The semiconductor ETF is only 6.25% by weight yet makes up around 12.5% of the risk, reflecting its higher volatility and concentrated theme. The NASDAQ 100 slice also contributes more risk than its size, while the international and high‑dividend funds contribute slightly less than their weights. With the top three holdings making up about 64% of total risk, portfolio behavior is meaningfully shaped by that core set.

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 suggests this portfolio sits below the efficient frontier. The efficient frontier is the set of mixes that deliver the highest expected return for each risk level, using just these existing holdings. The current Sharpe ratio, a measure of risk‑adjusted return, is about 0.75, while the optimal mix of the same ETFs reaches 1.34 with higher expected return and lower volatility. Being roughly 5.4 percentage points below the frontier at the current risk level implies that, historically, different weighting combinations of the same funds could have produced a better tradeoff between risk and return. This is about allocation, not security selection: no new funds are required to reach that efficient curve.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Vanguard Total Bond Market Index Fund ETF Shares 3.90%
  • Fidelity® High Dividend ETF 2.80%
  • Invesco NASDAQ 100 ETF 0.50%
  • iShares Semiconductor ETF 0.40%
  • Vanguard Mid-Cap Index Fund ETF Shares 1.40%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.66%

The overall dividend yield is about 1.66%, coming from a mix of equity and bond income. Yield is the annual cash paid out as dividends or interest, expressed as a percentage of the investment value, and it can be a meaningful component of total return over time. The total bond market ETF and the high‑dividend equity fund are key income contributors, with additional support from international and mid‑cap holdings. Growth‑oriented funds like the NASDAQ 100 and semiconductor ETF pay relatively little, which is typical for companies that reinvest more of their earnings. This blend provides some ongoing cash flow while keeping a strong focus on capital appreciation through equities.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • Fidelity® High Dividend ETF 0.15%
  • SPDR® Gold Shares 0.40%
  • Invesco NASDAQ 100 ETF 0.15%
  • iShares Silver Trust 0.50%
  • iShares Semiconductor ETF 0.35%
  • Vanguard Mid-Cap Index Fund ETF Shares 0.04%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.11%

The weighted total expense ratio (TER) of the portfolio is about 0.11%, which is impressively low for a multi‑fund mix. TER represents the annual fund management cost as a percentage of assets, similar to a small service fee taken out each year. Most holdings are inexpensive broad index ETFs, with slightly higher costs in specialized areas like semiconductors, gold, and silver. Low costs matter because they are one of the few variables investors can control, and even a small percentage difference compounds over decades. This cost structure aligns closely with best practices for long‑term investing and supports the portfolio’s ability to capture more of the underlying market returns.

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