Broad global equity mix with a strong North American tilt and efficient risk adjusted performance
Report created on Aug 17, 2026Risk profile
4/7
Diversification profile
5/5
Positions
-
ZS BMO S&P 500 Index ETF
ZSP - CA05575T1003 50.00% -
VC Vanguard FTSE Canada All Cap
VCN - CA92205P1045 20.00% -
VI Vanguard FTSE Developed All Cap ex North Amer Idx ETF
VIU - CA92204G1054 20.00% -
VE Vanguard FTSE Emerging Markets All Cap Index ETF
VEE - CA92205X1078 10.00%
This portfolio is a simple four‑ETF global equity mix, fully invested in stocks with no bonds or cash. About half sits in a US large‑cap index fund, while the rest is split across Canada, developed markets outside North America, and emerging markets. This kind of “core plus satellites” layout is common: one big anchor holding, with three regional funds filling in the global picture. Structurally, it’s straightforward and easy to understand, which reduces complexity risk. The 50% weight in a single fund does mean that one index is the main driver of behaviour, while the other three mainly fine‑tune regional balance and diversification rather than changing the overall equity‑only profile.
Growth
From 2016 to mid‑2026, a hypothetical $1,000 grew to $3,602, implying a 13.75% Compound Annual Growth Rate (CAGR). CAGR is like the average speed on a long road trip, smoothing out bumps to show the steady pace needed to get from start to finish. Over this period, the portfolio beat the global equity benchmark but lagged the US market, which had an especially strong run. The maximum drawdown of about –28% during early 2020 was slightly deeper than the benchmarks but recovered in roughly five months. That recovery speed is fairly robust, showing that despite equity‑only risk, the mix bounced back quickly after a sharp shock.
Projection
The Monte Carlo projection uses past returns and volatility to simulate 1,000 different 15‑year paths for the portfolio. Think of it as running many alternate histories to see a range of possible outcomes rather than betting on a single forecast. The median result grows $1,000 to around $2,759, with a wide “likely” band from roughly $1,916 to $4,038, and more extreme possibilities stretching from about $1,123 to $7,179. The average simulated annual return, about 8%, is lower than the historical CAGR, reflecting more conservative assumptions. As always, these simulations are not predictions; they’re probability‑style scenarios based on the past, which can behave very differently from the future.
Asset classes
- US Equity 75%
- Stocks 20%
- Other 4%
The asset‑class view shows an almost pure equity profile, with 75% tagged specifically as US equity and the remainder mainly other stocks. There is effectively no meaningful allocation to lower‑volatility assets like bonds or cash. Asset classes matter because they respond differently to economic shocks: stocks tend to move more, while bonds can be steadier. Compared with a typical “balanced” mix that often includes a sizeable bond slice, this structure leans firmly toward growth assets. That helps explain both the strong long‑term returns and the meaningful drawdowns. The high diversification score reflects variety within equities rather than balance between risk‑seeking and defensive asset classes.
Sectors
- Technology 23%
- Financials 20%
- Industrials 11%
- Consumer Discretionary 9%
- Health Care 7%
- Telecommunications 7%
- Basic Materials 7%
- Energy 6%
- Consumer Staples 5%
- Utilities 3%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is broadly spread, with technology around 23% and financials about 20%, then a gradual taper across industrials, consumer areas, health care, telecom, and others. This is reasonably close to common global equity benchmarks, which is a strong sign of sector diversification. A modest tech tilt can boost growth in periods when innovative companies lead markets, while a solid financials presence ties results to interest‑rate and credit cycles. Because no single sector dominates, shocks in one part of the economy are less likely to overwhelm the entire portfolio. This balanced pattern supports the “highly diversified” assessment from a sector‑mix perspective.
Regions
- North America 70%
- Europe Developed 11%
- Asia Emerging 6%
- Japan 5%
- Asia Developed 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, about 70% of the portfolio sits in North America, with the rest spread across Europe, Japan, other developed Asia, and emerging markets. This is more North‑America‑heavy than a market‑cap global index, which usually gives the US and Canada a smaller combined share. Geography matters because different regions face different economic cycles, currencies, and policy regimes. Here, global diversification is definitely present, but North American trends and the $ currency will drive most outcomes. That has helped over the last decade, when US markets led, but it also means that performance is still heavily tied to one broad region even with global funds in the mix.
Market capitalization
- Mega-cap 47%
- Large-cap 33%
- Mid-cap 17%
- Small-cap 2%
This breakdown covers the equity portion of your portfolio only.
The capitalization breakdown shows a strong tilt to mega‑ and large‑cap companies, together making up about 80% of the portfolio. Mid‑caps provide some extra spread, and small‑caps are only a tiny slice at around 2%. Market cap matters because company size often links to business stability and volatility: bigger firms tend to be more established, with more predictable behaviour, while smaller ones can swing more sharply. This large‑cap bias is typical of broad index funds and contributes to smoother relative behaviour compared with a portfolio dominated by small or niche names. It’s also closely aligned with global benchmarks, which is a healthy sign of structural alignment.
True holdings
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MS Microsoft Corporation 3.41%
Part of fund(s):- BMO S&P 500 Index ETF
-
NV NVIDIA Corporation 3.30%
Part of fund(s):- BMO S&P 500 Index ETF
-
AA Apple Inc 3.01%
Part of fund(s):- BMO S&P 500 Index ETF
-
AM Amazon.com Inc 1.93%
Part of fund(s):- BMO S&P 500 Index ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.56%
Part of fund(s):- Vanguard FTSE Emerging Markets All Cap Index ETF
- Vanguard FTSE Emerging Markets Index Fund ETF Shares
-
RY Royal Bank of Canada 1.45%
Part of fund(s):- Vanguard FTSE Canada All Cap
-
ME Meta Platforms Inc. 1.41%
Part of fund(s):- BMO S&P 500 Index ETF
-
AV Broadcom Inc 1.13%
Part of fund(s):- BMO S&P 500 Index ETF
-
GO Alphabet Inc Class A 1.00%
Part of fund(s):- BMO S&P 500 Index ETF
-
TD Toronto Dominion Bank 0.98%
Part of fund(s):- Vanguard FTSE Canada All Cap
- Top 10 total 19.17%
This breakdown covers the equity portion of your portfolio only.
Looking through ETF top holdings, there is clear concentration in a handful of global giants like Microsoft, NVIDIA, Apple, Amazon, and major Canadian banks. Each appears across multiple ETFs, leading to overlap: for example, Microsoft alone accounts for about 3.4% of the total portfolio. Overlap matters because it creates “hidden” concentration; several different funds can all move together if they share the same big holdings. At the same time, the reported coverage is only about 38% of total assets, since only ETF top‑10 lists are used. That means actual diversification is likely broader than this snapshot shows, and overlap is probably slightly understated rather than overstated.
Risk contribution
-
BMO S&P 500 Index ETF
Weight: 50.00% 54.3% -
Vanguard FTSE Developed All Cap ex North Amer Idx ETF
Weight: 20.00% 18.7% -
Vanguard FTSE Canada All Cap
Weight: 20.00% 17.7% -
Vanguard FTSE Emerging Markets All Cap Index ETF
Weight: 10.00% 9.3%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weight. Here, the 50% S&P 500 fund contributes about 54% of total risk, slightly more than its allocation, while the other three together add roughly 46%. This tells us that the main US holding is the dominant risk engine, but not wildly out of line with its size. The top three funds make up over 90% of portfolio risk, reflecting their large weights, yet the emerging‑markets slice adds less than 10% of risk despite its higher inherent volatility because it’s only 10% of the capital. Position size clearly remains the key risk driver.
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 sitting right on or very near the efficient frontier, meaning that for its particular mix of holdings it delivers close to the best trade‑off between risk and expected return. The Sharpe ratio—return above the risk‑free rate divided by volatility—is 0.73, slightly below the maximum Sharpe of 0.94 available with a different weighting of the same ETFs, but still solid. Being near the frontier is reassuring: it says the weights are broadly efficient without major dead spots. The minimum‑variance version would reduce risk a bit with some return give‑up, while the max‑Sharpe version would slightly increase both risk and performance potential.
Dividends
- Vanguard FTSE Canada All Cap 1.90%
- Vanguard FTSE Emerging Markets All Cap Index ETF 1.80%
- Vanguard FTSE Developed All Cap ex North Amer Idx ETF 2.20%
- BMO S&P 500 Index ETF 0.70%
- Weighted yield (per year) 1.35%
The overall dividend yield sits around 1.35%, with most regional funds offering 1.8–2.2% and the US fund yielding about 0.7%. Yield is the cash income paid out each year as a percentage of the investment value. In this portfolio, dividends are a modest contributor; most of the historical return came from price growth rather than income. That’s typical of growth‑tilted, large‑cap global equity portfolios. Lower yield isn’t inherently good or bad—it simply means the return profile is more focused on capital appreciation. For investors who reinvest dividends, even a modest yield still quietly boosts compounding over time as those payments buy more shares.
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