Broad global stock portfolio with a growth tilt and well-balanced risk across major equity building blocks

Report created on May 23, 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 a six-ETF, all-equity mix that leans heavily into broad index funds with a growth accent. Around two-thirds of the weight sits in total US and S&P 500 funds, giving wide exposure to the domestic market. Another chunk goes into a total international fund, which extends coverage across developed and emerging regions. Two dedicated small-cap value ETFs round things out, adding a more targeted slice of smaller, cheaper companies. This structure is straightforward and transparent: core broad-market funds at the center, with satellites that nudge the overall behavior. A setup like this typically behaves like the global stock market, but with a bit more sensitivity to growthy US names and smaller companies.

Growth Info

From late 2020 to May 2026, $1,000 in this portfolio grew to about $2,321, a compound annual growth rate (CAGR) of 16.25%. CAGR is like your long‑trip average speed, smoothing out every bump along the way. Over this period, that return slightly beat the US market benchmark and more clearly beat the global market benchmark. The worst peak‑to‑trough drop, or max drawdown, was about -25.8%, similar to the benchmarks, and it took just over two years to fully recover. That shows the portfolio has moved broadly with global stocks, sharing both their strong gains and their painful dips. As always, past performance only shows how it behaved, not what it will earn next.

Projection Info

The Monte Carlo projection uses the portfolio’s historical risk and return as raw material to create 1,000 possible 15‑year futures. Monte Carlo is basically a big “what if” machine: it shuffles returns randomly, many times, to see a range of outcomes rather than a single forecast. Here, the median path turns $1,000 into about $2,802, with most scenarios landing between roughly $1,833 and $4,144. There’s also a wide but less likely band from about $1,035 to $7,806. The average annual return across all simulations is 8.14%. These numbers highlight uncertainty: the same risk profile that allowed strong recent gains also produces a broad spread of possible long‑term results.

Asset classes Info

  • Stocks
    90%
  • No data
    10%

On the asset class level, 90% of this portfolio is clearly classified as stocks, with 10% sitting in a “no data” bucket where asset class labels weren’t available. That means the analysis is effectively of a predominantly equity portfolio, with little in the way of bonds or alternatives to cushion market swings. Equity‑heavy allocations typically offer higher long‑term growth potential but can experience larger short‑term ups and downs. The strong equity focus lines up with the “Balanced” risk label only in the sense that it’s diversified across many companies, not because it mixes in safer assets. Risk here mainly comes from how global stock markets behave over time.

Sectors Info

  • Technology
    26%
  • Financials
    12%
  • Industrials
    10%
  • Consumer Discretionary
    10%
  • Telecommunications
    8%
  • Health Care
    6%
  • Energy
    5%
  • Basic Materials
    5%
  • Consumer Staples
    5%
  • Utilities
    2%
  • Real Estate
    2%

Sector-wise, this portfolio has a clear but not extreme tilt toward technology at 26%, with the rest spread across financials, industrials, consumer areas, telecoms, health care, energy, and more defensive groups. This looks broadly similar to modern global equity benchmarks, which are also tech‑heavy but diversified. Tech and communication‑style companies often drive growth and innovation, but they can be more sensitive to interest‑rate shifts and market sentiment. The presence of meaningful weights in financials, industrials, and staples helps balance this, adding exposure to more cyclical and defensive parts of the economy. Overall, the sector mix is well-balanced and aligns closely with global standards.

Regions Info

  • North America
    67%
  • Europe Developed
    9%
  • Japan
    6%
  • Asia Developed
    3%
  • Asia Emerging
    2%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, about 67% of the portfolio is in North America, with the rest spread across Europe, Japan, other developed Asia, and emerging regions. That North American tilt is higher than a pure world‑market breakdown, where the US usually sits closer to 60%, but it’s not extreme. The international slice gives exposure to different currencies, economic cycles, and policy environments, which can soften the impact if one region struggles. At the same time, the heavier US weighting means results are still very influenced by that single market’s performance. This regional mix has historically been a tailwind given US strength, but it does tie a lot of the outcome to one major economy.

Market capitalization Info

  • Mega-cap
    31%
  • Large-cap
    22%
  • Mid-cap
    18%
  • Small-cap
    12%
  • Micro-cap
    6%

By market capitalization, the portfolio is anchored in mega and large caps (just over half altogether), with substantial mid‑cap, small‑cap, and even micro‑cap exposure. Market cap simply measures a company’s size on the stock market, like the total “price tag” investors assign to it. Bigger companies tend to be more stable and widely followed, while smaller ones can be more volatile but may grow faster. The blend here is broader than a plain large‑cap index, thanks to the total market and small‑cap value funds. That adds another layer of diversification across business sizes and can cause the portfolio to behave somewhat differently than a pure large‑cap benchmark in various market phases.

True holdings Info

  • NVIDIA Corporation
    4.78%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    4.03%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    3.02%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    2.60%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    2.23%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    1.96%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    1.84%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    1.30%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    0.99%
    Part of fund(s):
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Berkshire Hathaway Inc
    0.63%
    Part of fund(s):
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 23.37%

Looking through to the largest underlying holdings, a handful of well-known US giants stand out: Nvidia, Apple, Microsoft, Amazon, Alphabet, and others. These names appear in multiple ETFs, especially the total US, S&P 500, and NASDAQ 100 funds, creating overlap that boosts their combined weight. For example, Nvidia alone totals about 4.8% of the portfolio despite no direct single‑stock position. This kind of “hidden concentration” is normal in index‑based portfolios but worth being aware of. Because only ETF top‑10 holdings are shown, actual overlap is likely higher, but this already signals that a chunk of the portfolio’s behavior is tied to a small group of mega‑cap growth companies.

Factors Info

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

Across the six main investment factors—value, size, momentum, quality, low volatility, and yield—the portfolio sits essentially neutral. Factor exposure describes how much you lean into traits research has linked to returns, like cheapness (value) or stable earnings (quality). A neutral reading around 50% means the portfolio behaves a lot like the broad market on these dimensions, without a strong tilt toward any one style. That’s interesting given the presence of dedicated small‑cap value funds; their effect is largely balanced out by broad, market‑cap‑weighted ETFs. The outcome is a well-balanced factor profile that should avoid the extremes you sometimes see in more concentrated or highly specialized strategies.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 40.00%
    40.0%
  • Invesco NASDAQ 100 ETF
    Weight: 15.00%
    18.0%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 15.00%
    12.5%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 10.00%
    11.3%
  • State Street® SPDR® Portfolio S&P 500® ETF
    Weight: 10.00%
    9.6%
  • Top 5 risk contribution 91.5%

Risk contribution shows how much each holding adds to the portfolio’s overall ups and downs, which can differ from its weight. Here, the main total US market ETF is 40% of the weight and contributes almost exactly 40% of the risk—very proportional. The NASDAQ 100 ETF is 15% of the portfolio but adds about 18% of the risk, reflecting its more volatile, growth‑oriented nature. In contrast, the total international fund contributes slightly less risk than its weight. The top three holdings together drive about 71% of total risk, which is meaningful but not extreme for a concentrated ETF lineup. Position sizing and correlations are working together in a fairly balanced way.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    State Street® SPDR® Portfolio S&P 500® ETF
    High correlation

The correlation data highlights that the total US market ETF and the S&P 500 ETF move almost identically. Correlation measures how assets move together: a score near 1 means they tend to rise and fall in sync, offering little diversification between them. That’s expected here, since both track very similar universes of large US companies. This doesn’t make either holding “bad,” but it does mean they both contribute to the same source of risk—US large‑cap equity. Diversification benefits are more likely to come from the international fund and the small‑cap value ETFs, which are exposed to different company sizes and regional drivers than these highly correlated core US pieces.

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 portfolio sits below the efficient frontier by about 2.4 percentage points at its current risk level. The efficient frontier is the curve showing the best return you could have gotten for each risk level using just these holdings with different weights. The Sharpe ratio, which measures return per unit of risk above the cash rate, is 0.75 for the current mix versus 1.06 for the optimal combination. That gap suggests that simply reweighting these same ETFs—without adding anything new—could have historically improved the balance between risk and reward. Even so, the current profile still delivered strong returns and sits reasonably close to the minimum-variance option.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.80%
  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Invesco NASDAQ 100 ETF 0.40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.00%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • State Street® SPDR® Portfolio S&P 500® ETF 1.00%
  • Weighted yield (per year) 1.38%

The portfolio’s overall dividend yield is about 1.38%, a modest income level for an equity‑focused mix. Dividend yield is the annual cash payout as a percentage of price, like rent on a property. The highest yields here come from the international and international small‑cap value funds, both near or above 2.7%, while the NASDAQ 100 ETF sits much lower at 0.4%. That pattern reflects the growth tilt: fast‑growing companies often reinvest earnings instead of paying them out. In practical terms, most of the portfolio’s long‑term return is expected to come from price gains rather than dividends, which is typical for growth‑oriented stock portfolios.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • 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) 0.10%

The weighted average ongoing fee, or Total Expense Ratio (TER), is a very low 0.10%. TER is the annual cost of running a fund, expressed as a percentage of your investment—like a small maintenance fee. Most of the weight is in ultra‑low‑cost index ETFs from major providers, with slightly higher fees on the more specialized small‑cap value funds. Costs at this level are impressively low and support better long‑term performance because less return is eaten up by fees each year. Over long periods, even a few tenths of a percent can add up, so starting at 0.10% offers a strong structural advantage versus higher‑cost strategies tracking similar markets.

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