This portfolio has only about 1.7 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.

Broad global stock core with value tilt and small thematic satellite positions

Report created on May 16, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is built around broad stock index funds with a modest bond sleeve and a few focused satellites. The two total-market stock ETFs together make up over 60%, providing wide coverage of both domestic and international companies. About 15% sits in bond index funds, which introduces an element of stability and income. The rest is spread across more specialized ETFs in small-cap value, semiconductors, robotics, biotech, and clean energy. Structurally, this looks like a classic “core and satellite” setup: a diversified base plus smaller, higher-conviction themes. With only about 1.7 years of data, it’s too early to label this structure as consistently defensive or aggressive, but the mix clearly leans toward growth with some balance from bonds.

Growth Info

Over the 1.7‑year window, $1,000 in this portfolio grew to about $1,357, implying a compound annual growth rate (CAGR) near 19.6%. CAGR is the “average speed” of growth per year, smoothing the ride even if returns were bumpy. Over the same period, both the US and global market benchmarks grew a bit faster, so the portfolio slightly lagged them. The max drawdown, or worst peak‑to‑trough drop, was about ‑16.8%, which is in line with global stocks and a bit milder than the US market. Only 11 days made up 90% of returns, underscoring that a handful of strong days can drive outcomes. With such a short history, these numbers describe recent conditions, not a reliable long‑term pattern.

Projection Info

The forward projection uses a Monte Carlo simulation, which is basically running 1,000 “what if” return paths based on the limited historical data. It shows a median outcome of about $2,665 from $1,000 over 15 years, with most simulations ending between roughly $1,800 and $3,900. The average annual return across simulations is 7.5%, and about three‑quarters of paths end positive. This gives a sense of the range of possibilities rather than a forecast. Because the underlying return history is only 1.7 years, the model is leaning heavily on a short and relatively strong period, so these projections are more illustrative than predictive and should be treated as rough guardrails, not expectations.

Asset classes Info

  • Stocks
    85%
  • Bonds
    15%

Asset‑class exposure is dominated by stocks at 85%, with bonds at 15%. Stocks represent ownership in companies and tend to drive long‑term growth but with larger ups and downs. Bonds are loans to governments or companies and usually move less, helping to cushion equity swings and providing interest income. Many global balanced benchmarks with a “middle‑of‑the‑road” risk profile cluster around similar stock/bond splits, so this mix is broadly aligned with that style. The presence of both domestic and international bonds also adds another layer of diversification. With only 1.7 years of returns, it’s not possible to say how consistently this 15% bond slice will dampen shocks, but structurally it should act as a stabilizer.

Sectors Info

  • Technology
    25%
  • Financials
    12%
  • Industrials
    10%
  • Health Care
    9%
  • Consumer Discretionary
    8%
  • Telecommunications
    5%
  • Energy
    5%
  • Consumer Staples
    4%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is broad, with technology at the top around a quarter of equity holdings, followed by meaningful allocations to financials, industrials, and health care. This pattern is similar to many wide market indexes, where tech is a major component but not the entire story. On top of that, the satellite ETFs in semiconductors, robotics, biotech, and clean energy add extra tilt toward innovation‑driven areas. These segments can be more sensitive to changes in interest rates and investor sentiment, often amplifying both gains and losses over shorter stretches. While the overall sector mix looks well spread across the economy, the thematic satellites likely played an outsized role in the strong recent performance, which may not repeat in the same way over longer horizons.

Regions Info

  • North America
    67%
  • Europe Developed
    7%
  • Japan
    3%
  • Asia Developed
    3%
  • Asia Emerging
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about two‑thirds of the portfolio is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and a modest slice in emerging regions like Asia, Latin America, and Africa/Middle East. Global equity benchmarks today also lean heavily toward North America, so this allocation is broadly aligned with the way the world’s stock market is weighted. That alignment supports diversification across multiple economies while still reflecting the large size of the US market. Currency exposure outside the dollar is present but not dominant. With only 1.7 years of data, it’s hard to judge how this geographic mix behaves through a full global cycle, but structurally it reduces reliance on any single non‑US region while keeping a clear home bias.

Market capitalization Info

  • Mega-cap
    28%
  • Large-cap
    21%
  • Mid-cap
    15%
  • Small-cap
    12%
  • Micro-cap
    7%

This breakdown covers the equity portion of your portfolio only.

By market capitalization, the portfolio holds a healthy spread: substantial exposure to mega‑ and large‑cap companies, plus notable allocations to mid‑, small‑, and even micro‑cap stocks. Larger companies tend to be more established, often with steadier earnings and more analyst coverage. Smaller firms can be more volatile but sometimes deliver sharper moves, both up and down. The dedicated small‑cap value ETF boosts exposure to the lower end of the size spectrum beyond what broad indexes alone would provide. This blend supports diversification across business stages and risk profiles. That said, the short performance window means we don’t yet see how this size mix behaves through different phases of a full market and economic cycle.

True holdings Info

  • NVIDIA Corporation
    3.79%
    Part of fund(s):
    • VanEck Fabless Semiconductor ETF
    • VanEck Robotics ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    2.66%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    1.97%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    1.65%
    Part of fund(s):
    • VanEck Fabless Semiconductor ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    1.44%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    1.20%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    0.95%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    0.93%
    Part of fund(s):
    • First Trust NASDAQ® Clean Edge® Green Energy Index Fund
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    0.90%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Berkshire Hathaway Inc
    0.61%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 16.09%

This breakdown covers the equity portion of your portfolio only.

Looking through to the top underlying holdings across ETFs, a handful of well‑known US tech and internet names stand out, including NVIDIA, Apple, Microsoft, Amazon, Alphabet, Tesla, Meta, and Berkshire Hathaway. These positions appear via multiple funds, creating overlap and lifting their combined exposure: NVIDIA alone totals around 3.8% of the portfolio. Because ETF data is limited to top‑10 holdings, total overlap is likely higher than shown. Hidden concentration like this means some companies can drive portfolio behavior more than the headline fund list suggests. In recent years, many of these names have performed strongly, which helped returns in this 1.7‑year window, but their influence also means the portfolio may be more tied to their fortunes than it first appears.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 10%
Size
Exposure to smaller companies
Very low
Data availability: 85%
Momentum
Exposure to recently outperforming stocks
No data
Data availability: 0%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 93%

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 exposure shows a very high tilt toward value and a very low tilt toward size. Factors are like investing “ingredients” that describe characteristics driving returns; value, for example, means stocks priced lower relative to fundamentals like earnings or book value. A very high value score suggests a strong lean into cheaper‑priced companies compared with the broad market. The very low size score means the portfolio tilts away from smaller companies overall, despite the small‑cap value ETF, likely because the core total‑market funds are dominated by large firms. Yield and low‑volatility readings are neutral, so they look similar to the broader market. With such limited history, these factor tilts mostly describe current holdings rather than any proven long‑run performance pattern.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 45.00%
    49.1%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 17.50%
    15.9%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 10.00%
    11.9%
  • VanEck Fabless Semiconductor ETF
    Weight: 4.30%
    9.5%
  • First Trust NASDAQ® Clean Edge® Green Energy Index Fund
    Weight: 2.60%
    4.7%
  • Top 5 risk contribution 91.0%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. The broad US stock ETF, at 45% of assets, contributes about 49% of total risk, roughly in line with its size. The international stock ETF and small‑cap value ETF also contribute risk close to their weights. More striking, the semiconductor ETF is only 4.3% of the portfolio but adds about 9.5% of risk, more than double its size. Clean energy, at 2.6% weight, contributes 4.7% of risk. Together, the top three holdings account for nearly 77% of total risk, underscoring that a few positions largely dictate portfolio volatility, especially in shorter stretches like this 1.7‑year sample.

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 portfolio’s risk/return mix to the best trade‑offs available using the same holdings. The Sharpe ratio, which measures return per unit of risk after adjusting for a risk‑free rate, is 0.97 for the current mix. The optimal portfolio on the frontier shows a much higher Sharpe of 1.42, meaning better risk‑adjusted returns were possible over this period by reweighting the same ETFs. At the current risk level, the portfolio sits about 4.3 percentage points below the frontier, so it hasn’t been using its components in the most efficient combination, at least historically. Because this is based on only 1.7 years of data, the “optimal” mix may be capturing short‑term quirks rather than a stable long‑term relationship.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.30%
  • VanEck Robotics ETF 0.30%
  • First Trust NASDAQ® Clean Edge® Green Energy Index Fund 0.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.00%
  • Vanguard Emerging Markets Government Bond Index Fund ETF Shares 5.90%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • SPDR® S&P Biotech ETF 0.30%
  • Weighted yield (per year) 1.25%

The overall dividend yield for this portfolio is about 1.25%, which is relatively modest. Yield is the income paid out as dividends or interest each year, expressed as a percentage of the current value. Most of the equity holdings have low to moderate yields, which is typical for broad stock funds and growth‑oriented sectors like technology and biotech. The standout is the emerging markets bond ETF with a yield near 5.9%, supplying much of the portfolio’s income despite a small weight. In practice, this means total return is more dependent on price changes than on cash payouts. Over only 1.7 years, there isn’t enough history to draw strong conclusions about income stability, but structurally, this is a growth‑tilted, low‑to‑moderate income setup.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • VanEck Robotics ETF 0.47%
  • First Trust NASDAQ® Clean Edge® Green Energy Index Fund 0.58%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Emerging Markets Government Bond Index Fund ETF Shares 0.20%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • SPDR® S&P Biotech ETF 0.35%
  • Weighted costs total (per year) 0.09%

The total expense ratio (TER) for this portfolio is about 0.09%, which is impressively low. TER is the annual fee charged by funds, taken out of returns behind the scenes, similar to a small ongoing service charge. Most holdings are low‑cost index funds from providers known for efficiency, with only a few specialized ETFs charging higher fees in the 0.35–0.58% range. Because the higher‑fee funds are small satellite positions, their impact on the total cost is limited. Low costs help more of the portfolio’s gross return reach the investor, and this benefit compounds over time. While 1.7 years is too short to see the full long‑term impact, the current fee structure is a strong foundation for keeping ongoing friction low.

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