Single fund US equity portfolio closely tracks the broad domestic market with low ongoing costs
Report created on Apr 14, 2026Risk profile
4/7
Diversification profile
2/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 100.00%
This portfolio is as simple as it gets: one low-cost ETF that tracks a broad US large‑cap index, fully invested in stocks. There’s no exposure to bonds, cash, or alternative assets, so every dollar is riding on the stock market. That creates a very clear, easy‑to-manage structure, which many investors like because it’s transparent and low maintenance. The trade-off is that there’s no built‑in cushion from safer assets during big market drops. For someone using this as a core holding, a key takeaway is that any desire for extra stability would need to come from holdings outside this portfolio rather than inside it.
Growth
Historically, this setup has done very well. From 2016 to 2026, $1,000 grew to about $3,849, a compound annual growth rate (CAGR) of 14.5%. CAGR is like the steady “average speed” of the portfolio over the whole trip, smoothing out ups and downs. That slightly beat the broad US market and clearly outpaced the global market. The flip side is the max drawdown of about -34% during early 2020, showing that deep, fast drops are part of the ride. Past performance can’t predict the future, but it does show that this kind of portfolio has rewarded patience through volatility.
Projection
The Monte Carlo projection uses many random “what if” paths based on historical patterns to estimate possible 15‑year outcomes. Think of it as running the market 1,000 times with slightly different dice rolls each time, then seeing the range. Here, the median outcome grows $1,000 to about $2,705, with a wide middle range from roughly $1,836 to $4,047. There’s also a small but real chance of very high or very low results. This illustrates that even with the same starting point and strategy, long‑term outcomes can vary a lot, so planning should focus on ranges and probabilities, not a single expected number.
Asset classes
- Stocks 100%
Asset‑class-wise, everything is in equities. That makes the portfolio straightforward: it’s designed for growth, not income stability or capital preservation. Equities historically offer higher returns than bonds or cash over long periods, but they also swing more, especially during recessions or crises. Many broad benchmarks mix in bonds to smooth the ride; this one doesn’t. The main takeaway is that this structure can work well for someone comfortable with market ups and downs and a long time horizon, but it relies on other accounts or emergency savings to handle short‑term cash needs or big life expenses.
Sectors
- Technology 33%
- Financials 12%
- Telecommunications 11%
- Consumer Discretionary 10%
- Health Care 10%
- Industrials 9%
- Consumer Staples 5%
- Energy 3%
- Utilities 2%
- Real Estate 2%
- Basic Materials 2%
Sector exposure is nicely spread but clearly tilted toward technology at about one‑third of the portfolio, with meaningful stakes in financials, communication‑linked businesses, consumer areas, health care, and industrials. This mirrors common US large‑cap benchmarks, which is a strong sign of healthy diversification within the stock slice. A tech‑heavier tilt can boost returns when innovation‑driven companies are leading, but can be more sensitive to interest rate moves or regulatory news. The good news is that other sectors are well represented, which helps balance out sector‑specific shocks even though tech remains a key driver of overall performance.
Regions
- North America 99%
Geographically, the portfolio is almost entirely tied to North America, and practically speaking to the US. That’s very consistent with an S&P‑style approach and has paid off over the last decade as US markets outperformed many regions. However, it also means economic, political, and currency risks are concentrated in one country. Global benchmarks usually give a substantial share to the rest of the world. The practical implication is that any desire to diversify across different economies and policy regimes would need to come from adding separate international or global exposure elsewhere, since this portfolio on its own is US‑centric.
Market capitalization
- Mega-cap 46%
- Large-cap 35%
- Mid-cap 18%
- Small-cap 1%
By market capitalization, nearly half of the portfolio is in mega‑caps and another third in large‑caps, with modest mid‑cap and tiny small‑cap exposure. Large and mega‑cap companies tend to be more established and, individually, somewhat more stable than smaller firms, so they often anchor broad indexes. At the same time, heavy mega‑cap weight means the index can become top‑heavy, with a few names driving a lot of returns and volatility. The smaller mid‑ and small‑cap slice still adds some growth and diversification potential, but overall behavior will closely track the fortunes of the biggest, most widely followed companies.
True holdings
-
NV NVIDIA Corporation 7.32%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc 6.64%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 4.96%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.47%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 3.08%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.57%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.46%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 2.40%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.92%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 1.57%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 36.39%
Looking through to the top holdings, a big chunk of the exposure sits in a handful of mega-cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Berkshire Hathaway. Together, just the visible top 10 account for over a third of the portfolio. Because this is all via a single index ETF, it’s not “accidental” overlap, but it does mean the portfolio’s day‑to‑day moves are heavily influenced by how these giants perform. If these leaders have a strong run, the portfolio benefits; if they lag or stumble, it will feel it noticeably, even though there are hundreds of smaller companies in the background.
Factors
Factor exposures here are broadly neutral across the board: value, momentum, quality, yield, and low volatility all sit close to market‑average levels, and size shows only a mild tilt away from smaller companies. Factors are like “traits” that historically helped explain why some stocks outperform or behave differently, such as being cheap (value) or fast-rising (momentum). A largely neutral profile means this portfolio acts much like the overall market without strongly betting on any one style. That’s a positive sign for investors wanting broad, plain‑vanilla exposure rather than specific factor tilts that might shine in some periods but lag badly in others.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 100.00% 100.0%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs. Here, with a single ETF at 100% weight, all the risk comes from that one position by definition. It’s similar to owning the whole orchestra through one fund — if that fund is volatile, the entire portfolio is volatile. This isn’t necessarily a problem, especially when the ETF itself is highly diversified, but it does mean there’s no internal balance from other asset types. Any desire to tweak risk levels would require changing how much sits in this ETF versus other uncorrelated holdings outside this setup.
Dividends
- Vanguard S&P 500 ETF 1.10%
- Weighted yield (per year) 1.10%
The dividend yield sits around 1.1%, which is modest by historical equity standards but typical for a broad US large‑cap index today. Dividends are the cash payments companies make to shareholders, and over very long stretches they’ve been a meaningful part of total returns. In this portfolio, most of the expected gain is likely to come from price growth rather than income. For someone more focused on building wealth than drawing cash flow right now, that’s perfectly reasonable. If reliable income were a priority, though, it would usually require complementing this with higher‑yielding assets in a broader plan.
Ongoing product costs
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.03%
Costs are a real bright spot here. The ETF’s total expense ratio (TER) is just 0.03%, which is extremely low even by index‑fund standards. TER is the annual fee charged by the fund, quietly taken out of returns, so keeping it tiny helps more of the market’s growth land in your pocket over time. Over many years, even small fee differences compound into noticeable amounts. This cost level is fully aligned with best practices for long‑term investing and provides a very solid foundation: you’re getting broad market exposure without paying much for the privilege, which directly supports better long‑run performance.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey