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Broad global equity core with growth tilt modest income and low-cost diversified building blocks

Report created on May 9, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification
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Positions

This portfolio is built mainly from broad Vanguard index funds, with 93% in stocks, 4% in bonds, and 3% in cash. The largest slices are a core S&P 500 fund, a US growth fund, and a high‑dividend fund, together holding over half the portfolio. Around one fifth is in developed and emerging international stocks, with smaller allocations to mid‑ and small‑cap index funds. This structure mixes a broad market core with targeted tilts toward US growth, dividends, and mid/small caps. That combination creates a balanced “all‑in‑one” style lineup where a few big funds set the tone, and the satellite positions add extra diversification without dominating overall behavior.

Growth Info

From 2016 to early 2026, $1,000 in this portfolio grew to about $3,437, a compound annual growth rate (CAGR) of 13.2%. CAGR is like your average speed on a road trip, smoothing out all the bumps. Over the same period, the US market grew faster at 15.29%, while the global market was lower at 12.67%. So the portfolio lagged a pure US focus but slightly beat a world index. The max drawdown, or worst peak‑to‑trough drop, was about –33% during early 2020, very similar to both benchmarks. That shows the portfolio has behaved like a mainstream equity mix: strong long‑term growth but with sharp temporary drops along the way.

Projection Info

The Monte Carlo projection uses historical volatility and returns to simulate 1,000 different 15‑year futures for the same mix. Think of it as rolling the dice on many parallel timelines, then seeing the range of outcomes. The median result turns $1,000 into about $2,690, with a “middle” band from roughly $1,848 to $4,049. There’s about a 75% chance of a positive return, and the average simulated annual return is 7.9%. These numbers aren’t predictions; they’re scenarios based on past behavior. Markets can change, so reality could land outside this range, but it’s a useful way to visualize both the typical path and the possibility of much higher or lower results.

Asset classes Info

  • Stocks
    93%
  • Bonds
    4%
  • Cash
    3%

With 93% in stocks, 4% in bonds, and 3% in cash, this is clearly an equity‑led, growth‑oriented portfolio. Stocks historically offer higher long‑term returns but come with larger swings, while bonds and cash help steady the ride. Here, the bond and cash allocations are relatively small, so they act as a modest buffer rather than a major stabilizer. Compared with a “classic” balanced mix that often holds far more bonds, this structure leans harder into market upside and downside. That’s consistent with the portfolio being classified as “Balanced Investors” but sitting toward the more growth‑heavy end of that spectrum, relying mainly on stocks to drive outcomes.

Sectors Info

  • Technology
    25%
  • Financials
    13%
  • Industrials
    11%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Telecommunications
    7%
  • Energy
    5%
  • Consumer Staples
    5%
  • Basic Materials
    3%
  • Utilities
    3%
  • Cash
    3%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is well spread, with technology around a quarter, followed by financials, industrials, consumer discretionary, health care, and others. This pattern looks broadly similar to common global or US benchmarks, which is a strong sign of healthy diversification. A meaningful but not extreme tech weight means the portfolio benefits from innovation‑driven growth but isn’t dominated by a single theme. Smaller allocations to defensive areas like utilities and staples, plus cyclical areas like energy and materials, round out the mix. In practice, this balance should help the portfolio participate in different economic environments rather than being overly tied to just one sector story.

Regions Info

  • North America
    74%
  • Europe Developed
    8%
  • Japan
    3%
  • Asia Developed
    3%
  • Cash
    3%
  • Asia Emerging
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 74% is in North America, with the rest spread across Europe, Japan, other developed Asia, emerging Asia, Australasia, and Africa/Middle East. A global market‑cap index is also heavily US‑tilted, but usually a bit less concentrated than 74%, so this mix shows a clear home bias toward the US. That tilt has historically helped, given strong US performance over the last decade, which aligns with the portfolio outperforming the global benchmark. The non‑US portion still adds meaningful diversification across currencies and economies. Overall, this is a US‑anchored global portfolio that still has exposure to growth and value drivers outside the domestic market.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    27%
  • Mid-cap
    24%
  • Small-cap
    5%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

By market cap, the portfolio leans toward larger companies: roughly 35% mega‑cap, 27% large‑cap, 24% mid‑cap, and about 6% in small and micro caps combined. This is similar to broad equity benchmarks, which are naturally dominated by the biggest companies, but with a slightly stronger mid‑cap presence thanks to dedicated mid‑cap funds. Large and mega‑caps tend to be more stable and widely followed, while mid‑ and small‑caps can be more volatile but provide different growth drivers. This spread supports diversification across company sizes without pushing heavily into the riskiest small names, helping the portfolio behave like a mainstream equity index with a modest size tilt.

True holdings Info

  • NVIDIA Corporation
    4.11%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Apple Inc
    3.73%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    2.76%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    2.45%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard High Dividend Yield Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    1.68%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    1.62%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    1.33%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Meta Platforms Inc.
    1.26%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Tesla Inc
    1.05%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • JPMorgan Chase & Co
    0.56%
    Part of fund(s):
    • Vanguard High Dividend Yield Index Fund ETF Shares
  • Top 10 total 20.56%

This breakdown covers the equity portion of your portfolio only.

The look‑through data shows sizable underlying exposure to a handful of large US growth names: NVIDIA, Apple, Microsoft, Broadcom, Alphabet, Amazon, Meta, Tesla, and JPMorgan. Several appear across multiple ETFs, which creates “hidden” concentration even though you only hold funds. For example, NVIDIA alone totals about 4.1% of the portfolio within the sampled top‑10 holdings, and Apple about 3.7%. Coverage only captures ETF top‑10 positions, so actual overlap is likely higher. This pattern is typical of market‑cap‑weighted indices today, where a small set of mega‑caps drive a big share of returns and risk, especially in the tech and communication areas.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 93%
Size
Exposure to smaller companies
Neutral
Data availability: 93%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 93%
Quality
Preference for financially healthy companies
Neutral
Data availability: 93%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 98%

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 range around 50% for value, size, momentum, quality, yield, and low volatility. Factor exposure is like checking which “ingredients” are most prominent in the portfolio’s behavior. Here, nothing stands out as a strong tilt either toward or away from any factor, suggesting the mix behaves broadly like the overall market. That’s consistent with a blend of large, diversified index funds rather than niche or highly specialized strategies. In practice, this means performance will mainly track broad equity market moves, without big extra sensitivity to styles like deep value, high dividend, or low‑volatility beyond what’s in standard benchmarks.

Risk contribution Info

  • Vanguard Growth Index Fund ETF Shares
    Weight: 19.50%
    24.0%
  • Vanguard S&P 500 ETF
    Weight: 20.00%
    21.8%
  • Vanguard High Dividend Yield Index Fund ETF Shares
    Weight: 17.00%
    15.6%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares
    Weight: 15.50%
    14.9%
  • Vanguard Mid-Cap Growth Index Fund ETF Shares
    Weight: 3.50%
    4.2%
  • Top 5 risk contribution 80.5%

Risk contribution shows how much each position adds to total volatility, which can differ from its size. The US growth ETF is 19.5% of assets but contributes about 24% of overall risk, while the S&P 500 ETF at 20% contributes about 22%. That means these two together drive nearly half of the portfolio’s ups and downs. The high‑dividend and developed‑markets funds contribute slightly less risk than their weights, acting as relatively steadier pieces. Overall, the top three holdings are 56.5% of the portfolio but about 61% of total risk. So while the portfolio is diversified across many funds, a small core of big, growth‑oriented positions still sets most of the ride.

Redundant positions Info

  • Vanguard Small-Cap Growth Index Fund ETF Shares
    Vanguard S&P 500 ETF
    Vanguard Small-Cap Value Index Fund ETF Shares
    Vanguard Mid-Cap Value Index Fund ETF Shares
    Vanguard High Dividend Yield Index Fund ETF Shares
    Vanguard Growth Index Fund ETF Shares
    Vanguard Small-Cap Index Fund ETF Shares
    Vanguard Mid-Cap Index Fund ETF Shares
    Vanguard Mid-Cap Growth Index Fund ETF Shares
    High correlation
  • Vanguard International Dividend Appreciation Index Fund ETF Shares
    Vanguard FTSE Developed Markets Index Fund ETF Shares
    High correlation

The correlation data shows many pairs of funds moving very closely together, especially within size segments (small‑cap with small‑cap, mid‑cap with mid‑cap) and between broad US funds like the S&P 500 and the growth ETF. Correlation means how often two investments move in the same direction; high correlation reduces diversification benefits during stress. The strong links here reflect overlapping holdings and similar market drivers. International developed equities and international dividend funds are also tightly correlated, which is normal given shared regions. This structure still offers diversification, but during big global shocks most equity pieces are likely to fall or rise together rather than offset one another.

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.

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On the risk‑return chart, the current portfolio has an annualized return of 13.45% with volatility of 16.35% and a Sharpe ratio of 0.58. The Sharpe ratio measures return per unit of risk above the risk‑free rate, like scoring how efficiently the portfolio uses its volatility. The efficient frontier built from your existing holdings suggests that, at the same risk level, a different weighting could potentially increase expected return by about 1.5 percentage points. That means the current mix sits below the frontier rather than right on it. In plain terms, the ingredients look solid, but their proportions aren’t fully optimized for the best risk‑adjusted trade‑off.

Dividends Info

  • Vanguard Total Bond Market Index Fund ETF Shares 3.90%
  • Vanguard Small-Cap Index Fund ETF Shares 1.20%
  • Vanguard Small-Cap Growth Index Fund ETF Shares 0.50%
  • Vanguard Small-Cap Value Index Fund ETF Shares 1.80%
  • Vanguard Short-Term Corporate Bond Index Fund ETF Shares 4.40%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.70%
  • Vanguard International Dividend Appreciation Index Fund ETF Shares 2.20%
  • Vanguard Federal Money Market Fund Investor Shares 3.90%
  • Vanguard Mid-Cap Index Fund ETF Shares 1.40%
  • Vanguard Mid-Cap Value Index Fund ETF Shares 1.90%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Mid-Cap Growth Index Fund ETF Shares 0.60%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.40%
  • Vanguard High Dividend Yield Index Fund ETF Shares 2.30%
  • Weighted yield (per year) 1.70%

The overall dividend yield across the portfolio is about 1.7%, with meaningful contributions from the high‑dividend ETF, international and value‑tilted funds, and the bond and money market positions. Dividend yield is the annual cash payout as a percentage of price, like a “rental income” from your investments. Here, the income stream is moderate, not especially high, because growth‑oriented funds and broad market ETFs tend to reinvest more earnings into expansion. Bonds and the money market add higher yields in the 3.9–4.4% range, providing some regular interest. Over time, reinvested dividends can be a significant part of total return even when the headline yield looks modest.

Ongoing product costs Info

  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • Vanguard Small-Cap Index Fund ETF Shares 0.05%
  • Vanguard Small-Cap Growth Index Fund ETF Shares 0.07%
  • Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard Short-Term Corporate Bond Index Fund ETF Shares 0.04%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard International Dividend Appreciation Index Fund ETF Shares 0.15%
  • Vanguard Mid-Cap Index Fund ETF Shares 0.04%
  • Vanguard Mid-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Mid-Cap Growth Index Fund ETF Shares 0.07%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Vanguard High Dividend Yield Index Fund ETF Shares 0.06%
  • Weighted costs total (per year) 0.05%

The portfolio’s total expense ratio (TER) averages around 0.05%, which is impressively low by industry standards. TER is the annual fee charged by funds, taken directly out of returns, so lower is generally better over long periods. Most underlying ETFs sit between 0.03% and 0.08%, with only a small slice at 0.15%. This aligns closely with best‑in‑class index fund pricing and means very little performance is being “eaten” by fees each year. Over a decade or more, that cost advantage can compound into a noticeable difference versus higher‑fee options, making low costs one of the strongest structural positives of this portfolio.

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