Broad low cost growth portfolio with strong equity tilt and diversified global equity exposure
Report created on Mar 24, 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
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 65.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
BN Vanguard Total Bond Market Index Fund ETF Shares
BND - US9219378356 5.00%
This portfolio is built mainly from broad stock index ETFs, with a big tilt toward large US companies. Around two‑thirds sits in a US large‑cap fund, a fifth in international stocks, a slice in US small‑cap value, and a small allocation in core bonds. That mix is classic “growth with a ballast”: most of the engine is in stocks, with bonds playing a stabilizer role. Structuring a portfolio this way keeps things simple and transparent, while still giving exposure to thousands of companies worldwide. For someone comfortable with market ups and downs, this is a solid way to aim for long‑term growth without overcomplicating the building blocks.
Growth
Since late 2019, the hypothetical $1,000 grew to about $2,236, a compound annual growth rate (CAGR) of 14.29%. CAGR is like your average speed on a long road trip, smoothing out bumps along the way. That trail is just a bit behind the US market benchmark but ahead of the global market benchmark, which is quite respectable. The max drawdown, about -33.5%, is very similar to both benchmarks, showing that the portfolio behaves like a typical growth‑oriented stock mix in bad markets. This is normal for an equity‑heavy setup and suggests expectations should include big but temporary drops as part of the journey.
Projection
The Monte Carlo projection uses the portfolio’s historical risk and return to simulate 1,000 different futures. Think of it as replaying the market with the same volatility patterns but shuffled in new orders to see a range of outcomes. After 10 years, the median result (50th percentile) shows roughly a 283% cumulative gain, while even the pessimistic 5th percentile still ends slightly positive. The average simulated annual return is about 12.15%, lower than the backtested 14.29%, which is a healthy, conservative tilt. Still, all of this depends on the future resembling the past, which is never guaranteed, so results should be viewed as a rough guide, not a promise.
Asset classes
- Stocks 94%
- Bonds 5%
- Cash 1%
About 94% sits in stocks, 5% in bonds, and 1% in cash. That’s firmly in growth territory, with only a token bond buffer compared with more balanced mixes that might hold 20–40% in bonds. High equity exposure gives strong long‑term growth potential but also exposes the portfolio to larger swings when markets drop. The 5% in core bonds contributes almost no risk yet can slightly soften drawdowns and provide liquidity. This stock‑heavy allocation is well‑aligned with a long time horizon and a willingness to ride out volatility, but would likely feel uncomfortable for someone needing near‑term stability or regular withdrawals.
Sectors
- Technology 25%
- Financials 15%
- Industrials 10%
- Consumer Discretionary 10%
- Health Care 8%
- Telecommunications 8%
- Energy 5%
- Consumer Staples 5%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
The sector mix is broad, with every major sector represented and none dominating excessively. Technology is the largest at about a quarter of the portfolio, followed by meaningful positions in financials, industrials, consumer cyclicals, healthcare, and communication services. This spread is very similar to broad market indices, which is a strong indicator of healthy diversification. A tech‑tilt means sensitivity to interest rates and innovation cycles: tech and growth names can soar when money is cheap but lag when rates rise. Still, having solid weights in defensives like healthcare and consumer staples helps balance some of that cyclicality without diluting overall growth potential too much.
Regions
- North America 76%
- Europe Developed 8%
- Japan 3%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, roughly three‑quarters of the equity exposure is in North America, with the rest spread across developed and emerging regions. That home‑country lean is common for US investors and has helped over the last decade as US markets outperformed many others. The international sleeve provides diversification into Europe, Japan, other developed Asia, and emerging markets, but it is relatively modest compared with global‑cap benchmarks, which usually allocate less than 60% to North America. This means returns will be driven mainly by US market conditions, with foreign markets adding some diversification but not dominating the outcome in either direction.
Market capitalization
- Mega-cap 39%
- Large-cap 29%
- Mid-cap 15%
- Small-cap 7%
- Micro-cap 5%
The portfolio leans heavily into large and mega‑cap companies, with about two‑thirds in those biggest names, and the rest spread across mid, small, and micro caps. Market capitalization (or “market cap”) just means the total value of a company’s shares; bigger firms tend to be more stable but sometimes slower‑growing. The added 10% in a small‑cap value ETF and the exposures to medium and smaller companies bring in an extra growth and value kick, plus some diversification from the mega‑cap cluster. This structure mirrors global equity norms but slightly increases exposure to the smaller end, which can boost long‑term returns at the cost of extra short‑term bumpiness.
True holdings
-
NV NVIDIA Corporation 4.76%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
AA Apple Inc 4.32%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
MS Microsoft Corporation 3.22%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
AM Amazon.com Inc 2.26%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.00%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
AV Broadcom Inc 1.67%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.60%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.56%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
TS Tesla Inc 1.25%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
BR Berkshire Hathaway Inc 1.02%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 23.65%
Looking through the ETFs, the top exposures are the well‑known mega‑cap US names like NVIDIA, Apple, Microsoft, Amazon, and Alphabet. Several appear in multiple funds, which creates hidden concentration even if each ETF looks diversified on its own. For example, those names all sit in the S&P 500 ETF and may also appear in the international fund where they’re listed abroad. Overlap is probably a bit higher than measured because only top‑10 ETF holdings are captured. The takeaway: this is effectively a “core plus giants” portfolio, and big US tech‑adjacent companies will heavily influence returns, both on the upside and in selloffs.
Factors
Factor exposure shows how much the portfolio leans into styles like value, size, momentum, quality, low volatility, and yield — the “ingredients” driving returns. Here, there’s a strong tilt toward value, smaller size, and yield, mainly coming from the small‑cap value holding, while momentum and low volatility are more moderate. In practice, this means the portfolio doesn’t just hug expensive growth names; it also leans into cheaper, smaller, and more income‑oriented stocks that historically have had strong long‑term performance. Coverage for some signals is limited, so the picture isn’t perfect, but the tilts suggest behavior that can differ from a pure large‑cap growth index, especially across full cycles.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 65.00% 68.6% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 18.1% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 12.9% -
Vanguard Total Bond Market Index Fund ETF Shares
Weight: 5.00% 0.4%
Risk contribution measures how much each holding adds to total volatility, which can differ from its simple weight. The S&P 500 ETF is 65% of the portfolio but contributes about 69% of the risk, making it the main driver of ups and downs. The small‑cap value ETF is only 10% by weight but accounts for nearly 13% of risk, so it punches above its size, as small caps usually do. Bonds are just 5% of weight yet contribute almost no risk, acting as a quiet stabilizer. If the ride ever feels too rough, the most direct ways to dial risk down would involve trimming equity, especially the largest and more volatile sleeves.
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.
On the risk‑return chart, the current mix sits on the efficient frontier, meaning that for its specific weights, it’s using the existing ingredients quite effectively. The Sharpe ratio, which compares return to volatility, is solid but not the very highest possible with these holdings. The “optimal” mix on that frontier takes a bit more risk for a somewhat higher expected return, while the minimum‑variance version sacrifices a lot of return for a much smoother ride. Staying on the frontier is already a positive sign; any future tweaks become more about shifting comfort with risk up or down, rather than fixing an inefficient allocation.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.70%
- Vanguard Total Bond Market Index Fund ETF Shares 3.90%
- Vanguard S&P 500 ETF 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- Weighted yield (per year) 1.74%
The overall yield is about 1.74%, with the highest yields coming from bonds and international stocks. Dividend yield is the annual cash income as a percentage of the investment, and for a growth‑oriented, equity‑heavy portfolio, it’s normal for this number to be modest. Most of the return is expected from price appreciation rather than income. For someone still in the accumulation phase, this is often fine, as dividends are typically reinvested to buy more shares. For a future income focus, the base yield is a solid starting point, but any shift toward higher‑yielding assets would likely reduce growth and change the risk profile.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Vanguard Total Bond Market Index Fund ETF Shares 0.03%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.06%
The blended total expense ratio (TER) is about 0.06%, which is extremely low. TER is the annual fee charged by a fund, expressed as a percentage of invested assets, and small differences compound massively over decades. This cost level is well below typical active funds and comfortably in line with best‑practice low‑fee indexing. It means more of the portfolio’s gross return stays in your pocket rather than going to fund managers. Keeping this kind of cost discipline is one of the easiest, most reliable ways to support better long‑term outcomes, especially when combined with tax‑efficient, diversified building blocks like the ones used here.
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