US tilted global stock portfolio with strong tech exposure and broadly balanced factor profile
Report created on Apr 22, 2026Risk profile
- Secure Speculative
The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.
Diversification profile
- Focused Diversified
The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 60.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 15.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 5.00%
This portfolio is a simple four‑ETF mix holding 100% stocks. Around three‑fifths is in a broad US total stock market fund, one‑fifth in a broad international fund, and the remaining slice tilted toward growth via a NASDAQ 100 ETF and a momentum ETF. That structure keeps the core anchored in broad index funds while adding a more aggressive satellite around it. Being fully in equities means returns are driven by stock markets alone, without bonds to dampen swings. The overall layout is easy to understand and manage, and it already captures a large share of the global listed equity opportunity set in a straightforward way.
Growth
From late 2020 to mid‑April 2026, $1,000 in this portfolio grew to about $2,085, a compound annual growth rate (CAGR) of 14.33%. CAGR is like your average speed on a long road trip, smoothing out all the ups and downs into one yearly number. Over this period the mix lagged the US market by 0.75% per year but beat the global market by 1.20% per year, reflecting its US tilt. The max drawdown of about ‑27% was a bit deeper than the US benchmark but similar to the global one, showing meaningful but not extreme downside. Only 24 days made up 90% of returns, underlining how a small number of good days drove most gains.
Projection
The Monte Carlo projection uses past returns and volatility to generate many random future paths, giving a range of potential 15‑year outcomes for $1,000 rather than a single forecast. Here, the median outcome lands near $2,717, with a wide “likely” band from roughly $1,790 to $4,142 and an overall average annualized return of 7.8%. That spread shows how uncertain long‑term equity results can be, even with the same starting portfolio. About 73% of simulations end positive, which is typical for an all‑stock mix over this horizon. As always, these paths are based on historical behavior; actual markets can diverge materially from what the simulations suggest.
Asset classes
- Stocks 100%
All of this portfolio sits in one asset class: stocks. That creates a clear, growth‑oriented profile with no built‑in buffer from bonds or cash when markets fall. Asset allocation is often compared to deciding how much of your money rides the roller coaster versus staying on the carousel; here, everything is on the roller coaster. The upside is full participation in equity market growth, as shown by the strong historical CAGR. The trade‑off is that drawdowns are entirely at the mercy of stock market moves, and there is no structural dampener from fixed income or alternatives during broad equity sell‑offs.
Sectors
- Technology 32%
- Financials 12%
- Industrials 10%
- Consumer Discretionary 10%
- Telecommunications 10%
- Health Care 9%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector‑wise, the portfolio is clearly tilted toward technology at 32%, with financials, industrials, consumer discretionary, and telecommunications each sitting around the 10% range. Compared with many broad global benchmarks, this tech share is somewhat higher, which makes sense given the NASDAQ 100 and momentum components. Tech‑heavy portfolios can do very well when innovation and growth companies are in favor, but they often react more sharply to interest‑rate changes and sentiment swings. The remaining allocations across health care, staples, energy, materials, utilities, and real estate are spread out, which helps avoid being overly tied to a single non‑tech theme.
Regions
- North America 81%
- Europe Developed 8%
- Japan 3%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 81% of the portfolio sits in North America, with modest allocations to developed Europe, Japan, and other Asia, plus small slices in emerging markets and the rest of the world. This is a clear US‑tilted global equity approach. Relative to a typical world index, the US share here is higher, and non‑US regions are somewhat under‑represented. A strong US weighting has helped over the last decade as US markets outperformed many peers, but it also means most of the risk and return depends on one economy and currency. The international sleeve still adds some diversification, just from a smaller base.
Market capitalization
- Mega-cap 43%
- Large-cap 33%
- Mid-cap 17%
- Small-cap 5%
- Micro-cap 1%
By market capitalization, this portfolio leans heavily toward the biggest companies: 43% in mega‑caps and 33% in large‑caps, with the rest spread across mid, small, and a tiny micro‑cap slice. That pattern is common for cap‑weighted index funds, where the largest businesses naturally dominate. Large firms can bring more stability and established revenue streams, while smaller ones add some extra growth and volatility. With only about 6% combined in small and micro‑caps, the portfolio’s behavior is likely to be driven mainly by large, widely followed companies rather than the more idiosyncratic moves of very small stocks.
True holdings
-
NV NVIDIA Corporation 5.65%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 4.63%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.48%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.65%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.39%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.33%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.97%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.75%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.54%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
BR Berkshire Hathaway Inc 0.82%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 27.21%
Looking through ETF top‑10 holdings, a meaningful chunk of risk clusters in a handful of giant US names. NVIDIA, Apple, Microsoft, Amazon, both Alphabet share classes, Broadcom, Meta, Tesla, and Berkshire together form a substantial part of the equity exposure, often appearing in more than one fund. This kind of overlap creates “hidden” concentration: the headline allocation looks diversified across four ETFs, but some underlying companies are repeated. Because coverage is limited to top‑10 positions, actual overlap may be higher. In practice, the portfolio’s day‑to‑day moves will be significantly shaped by how these few mega‑caps perform.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility all sits in the neutral band around 50%, essentially mirroring the broad market. Factors are like underlying “personalities” of stocks—cheap versus expensive (value), fast‑rising (momentum), stable earners (quality), and so on. A neutral profile means no strong tilt toward or away from any of these traits, despite including a momentum ETF. The large, diversified core holdings evidently dilute that specific tilt. This balanced factor mix suggests the portfolio is likely to behave similarly to broad global indices across different regimes, without relying on any single factor premium.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 60.00% 60.3% -
Invesco NASDAQ 100 ETF
Weight: 15.00% 18.6% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 16.1% -
Invesco S&P 500® Momentum ETF
Weight: 5.00% 5.0%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the US total market ETF is 60% of the portfolio and contributes about 60% of risk, so its impact is very proportional. The NASDAQ 100 ETF is 15% of capital but about 18.6% of risk, indicating it is somewhat more volatile than average. The international fund contributes less risk than its weight, while the momentum ETF lines up closely with its 5% share. The top three holdings together drive about 95% of volatility, meaning most of the portfolio’s behavior comes from a small set of broad funds.
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 efficient frontier analysis compares this mix to all other possible weightings using the same four ETFs. The current portfolio has a Sharpe ratio of 0.64, while the maximum‑Sharpe combination reaches 0.94 with slightly higher risk and return. The minimum‑variance version shows lower risk with a Sharpe of 0.79. Since the current point sits about 1.93 percentage points below the frontier at its risk level, it’s not making the most efficient trade‑off between volatility and expected return. In plain terms, different weights in these same funds could historically have offered higher risk‑adjusted returns without adding new products.
Dividends
- Invesco NASDAQ 100 ETF 0.50%
- Invesco S&P 500® Momentum ETF 0.80%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.34%
The overall dividend yield of about 1.34% is modest, reflecting the portfolio’s growth‑oriented, tech‑heavy flavor. Yield is the cash income from dividends relative to portfolio size, separate from price changes. The international fund provides the highest yield in the mix, while the NASDAQ 100 and momentum slices are especially low, which is typical for growth and momentum strategies focused more on reinvestment than payouts. In practice, this structure means most of the return historically has come from price appreciation rather than cash income. For anyone tracking total return, dividends still play a role, but they are not the main driver here.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- Invesco S&P 500® Momentum ETF 0.13%
- 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) 0.06%
Costs are notably low, with a blended total expense ratio (TER) of about 0.06% across the four ETFs. TER is the annual fee charged by funds, taken directly out of returns in the background. For context, that level is well below many actively managed funds and even undercuts a lot of older index products. Lower ongoing costs mean more of any future market return stays in the portfolio rather than going to providers, which compounds over long periods. This cost profile is a real strength: it supports better long‑term outcomes without adding complexity, and aligns closely with best practices for broad index investing.
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