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Broad stock index portfolio with strong US tilt and generally efficient risk profile over the past decade

Report created on Jul 31, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is overwhelmingly built from broad stock index funds, with a small number of individual stocks on the side. Over half sits in a US large‑cap index mutual fund, and another fifth in an international index fund, so three core index funds effectively drive most outcomes. Smaller slices in total market, world, and style‑tilted ETFs add some nuance but don’t change the overall “indexed equity” character. A tiny bond allocation appears only through the aggressive allocation ETF, so the structure behaves much more like an equity portfolio than a classic balanced mix. The dominance of a few diversified index funds keeps things relatively simple and rules‑based, which often makes the portfolio’s behavior easier to understand and track over time.

Growth Info

From 2016 to mid‑2026, a hypothetical $1,000 here grew to about $4,352, a compound annual growth rate (CAGR) of 15.92%. CAGR is like your average speed on a long road trip, smoothing out bumps along the way. Over this period, returns slightly beat a broad US market benchmark and clearly outpaced a global benchmark. The worst decline, or max drawdown, was about ‑33.8% during early 2020, very similar to the benchmarks, which shows it moved closely with major equity markets in stress. Only 39 days contributed 90% of returns, highlighting how a small number of strong days drove a big part of the long‑term result.

Projection Info

The Monte Carlo projection uses historical return and volatility patterns to create 1,000 possible future paths for a $1,000 investment over 15 years. Think of it as running many “what if” simulations where markets evolve differently each time but with similar statistical behavior to the past. The median outcome of about $2,764 suggests moderate growth, but the range is wide: roughly $1,013 to $7,161 for most scenarios. The average annual return across simulations is 7.99%, lower than the historical 15.9%, reminding that the recent decade was strong and may not repeat. As always, these simulations are models, not predictions, and real markets can move outside the projected bands.

Asset classes Info

  • Stocks
    99%
  • Bonds
    1%

Across asset classes, this portfolio is 99% stocks and only 1% bonds, much more equity‑heavy than what’s often labeled “balanced.” Stocks typically offer higher long‑term growth potential but come with larger ups and downs, while bonds act more like stabilizers. Here, the small bond exposure via the aggressive allocation ETF does relatively little to dampen volatility, so risk and return are mostly tied to global equity markets. Compared to some blended benchmarks that might have 40% or more in bonds, this structure will tend to rise more in strong equity markets and fall more in equity downturns, behaving like a growth‑oriented allocation even though it’s tagged as “balanced.”

Sectors Info

  • Technology
    28%
  • Financials
    15%
  • Industrials
    12%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Discretionary
    7%
  • Consumer Staples
    6%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    3%
  • Consumer Discretionary
    3%
  • Real Estate
    2%

Sector‑wise, the portfolio is led by technology at 28%, followed by meaningful weights in financials, industrials, health care, and telecom. This pattern is broadly similar to many global equity benchmarks today, where tech and related areas have grown large as market leaders. A tech‑heavy tilt often means higher sensitivity to interest rates, innovation cycles, and valuation swings, which can increase volatility in certain environments. At the same time, the presence of more defensive areas like consumer staples, utilities, and health care helps soften the extremes a bit. Overall, the sector mix looks diversified and reasonably aligned with global index norms, which is a positive sign for spreading economic exposure.

Regions Info

  • North America
    73%
  • Europe Developed
    16%
  • Japan
    6%
  • Asia Developed
    2%
  • Australasia
    2%
  • Asia Emerging
    1%

Geographically, about 73% of equity exposure is in North America, with the rest spread across developed Europe, Japan, and smaller slices in other regions. This is a clear US tilt relative to global market‑cap indexes, where the US usually sits closer to 60% of the total. A strong home bias like this can amplify the portfolio’s dependence on the US economy, policy environment, and currency. The meaningful presence in Europe and Japan still adds diversification, giving exposure to different business cycles and interest‑rate regimes. This alignment with common US‑centric indexing practices has worked well in the last decade but also means results have been heavily tied to US equity leadership.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    32%
  • Mid-cap
    16%
  • Small-cap
    3%
  • Micro-cap
    1%

By market cap, this portfolio leans toward mega‑ and large‑cap companies, which together make up around three‑quarters of exposure. Mid‑caps and small‑caps are present but form a modest minority. Large companies generally bring more stability, liquidity, and index‑like behavior, while smaller companies can add both growth potential and extra volatility. This size mix is similar to many broad index funds, which are naturally weighted by company value. That structure tends to reduce idiosyncratic risk from any single small stock while still keeping some participation in the small‑ and mid‑cap segments that can perform differently across economic cycles.

True holdings Info

  • Apple Inc.
    1.21%
    Part of fund(s):
    • Schwab Fundamental U.S. Large Company Index ETF
    • Schwab U.S. Large-Cap ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
    • iShares Core Aggressive Allocation ETF
    Direct holding 0.01%
  • NVIDIA Corporation
    1.16%
    Part of fund(s):
    • Schwab U.S. Large-Cap ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
    • iShares Core Aggressive Allocation ETF
    Direct holding 0.01%
  • Microsoft Corporation
    0.75%
    Part of fund(s):
    • Schwab Fundamental U.S. Large Company Index ETF
    • Schwab U.S. Large-Cap ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
    • iShares Core Aggressive Allocation ETF
    Direct holding 0.01%
  • Amazon.com Inc
    0.60%
    Part of fund(s):
    • Schwab Fundamental U.S. Large Company Index ETF
    • Schwab U.S. Large-Cap ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
    • iShares Core Aggressive Allocation ETF
  • Alphabet Inc Class A
    0.54%
    Part of fund(s):
    • Schwab Fundamental U.S. Large Company Index ETF
    • Schwab U.S. Large-Cap ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
    • iShares Core Aggressive Allocation ETF
  • Broadcom Inc
    0.44%
    Part of fund(s):
    • Schwab U.S. Large-Cap ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
    • iShares Core Aggressive Allocation ETF
  • Alphabet Inc Class C
    0.43%
    Part of fund(s):
    • Schwab Fundamental U.S. Large Company Index ETF
    • Schwab U.S. Large-Cap ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
    • iShares Core Aggressive Allocation ETF
  • Meta Platforms Inc.
    0.31%
    Part of fund(s):
    • Schwab U.S. Large-Cap ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
    • iShares Core Aggressive Allocation ETF
  • GameStop Corp.
    0.25%
  • Micron Technology Inc
    0.24%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
    Direct holding 0.01%
  • Top 10 total 5.94%

Looking through to underlying holdings, coverage is limited because only ETF top‑10 positions are used, but some patterns still stand out. Big US tech names such as Apple, NVIDIA, Microsoft, and Amazon show up repeatedly across different funds, creating hidden concentration even though each direct stock position is tiny. For example, Apple’s combined exposure is around 1.21%, mostly via funds, not the small individual share. GameStop appears mainly through a direct holding, which is small but more idiosyncratic than diversified fund exposure. Since most fund holdings beyond the top 10 aren’t visible here, actual overlap is likely higher than reported, so effective concentration in mega‑cap growth stocks is probably understated.

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
Low
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 100%

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 is mostly neutral across value, size, momentum, and quality, meaning the portfolio behaves broadly like the overall market on those dimensions. Factor exposure is a way of measuring tilts toward characteristics such as cheaper valuations (value) or recent winners (momentum) that research links to long‑term return patterns. The one notable tilt here is toward low volatility at 61%, indicating a mild emphasis on stocks that historically swing less than the market. That can sometimes reduce drawdowns in choppy periods but may lag during sharp risk‑on rallies. Yield exposure is on the low side, reflecting a focus on total return and growth rather than high income.

Risk contribution Info

  • GREAT-WEST S&P 500 INDEX FUND INVESTOR CLASS
    Weight: 50.28%
    53.8%
  • GREAT-WEST INTERNATIONAL INDEX FUND INVESTOR CLASS
    Weight: 21.58%
    18.9%
  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 12.47%
    12.8%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 3.28%
    2.9%
  • iShares Core Aggressive Allocation ETF
    Weight: 3.66%
    2.8%
  • Top 5 risk contribution 91.1%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weight. Here, the top three positions—two Great‑West index funds and the Vanguard total stock ETF—make up about 84% of total weight but around 85% of total risk, so their influence on volatility closely matches their size. The largest S&P 500 index fund alone contributes roughly 54% of risk, slightly more than its 50% weight, highlighting its central role. Smaller satellite ETFs and individual stocks collectively add relatively little to overall volatility. This pattern indicates that managing risk mostly comes down to how those few core index positions are sized relative to each other.

Redundant positions Info

  • Vanguard Total World Stock Index Fund ETF Shares
    Vanguard Total Stock Market Index Fund ETF Shares
    Schwab U.S. Large-Cap ETF
    iShares Core Aggressive Allocation ETF
    Schwab U.S. Large-Cap Growth ETF
    High correlation
  • Schwab U.S. Small-Cap ETF
    Schwab Fundamental U.S. Small Company Index ETF
    High correlation
  • Vanguard Total International Stock Index Fund ETF Shares
    Schwab Fundamental International Large Company Index ETF
    Schwab International Equity ETF
    High correlation

Correlation measures how often assets move together; values near 1 mean they behave very similarly. Many pairs in this portfolio, such as the total US market ETF, large‑cap ETF, and world stock ETF, show near‑identical movements. That’s expected because they all track broad, overlapping equity universes. International equity ETFs also move closely together, reflecting shared exposure to global developed markets. High correlations like these limit diversification during global equity sell‑offs, when most stock assets tend to fall at the same time. The main diversification within this structure comes from mixing US and non‑US stocks, plus a small bond sleeve, rather than from holding very different return patterns.

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.

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The efficient frontier analysis compares the current mix with the best possible combinations of these same holdings. The Sharpe ratio, which is return per unit of risk above the risk‑free rate, is 0.7 for the current portfolio. The optimal mix of these components could achieve a much higher Sharpe but with significantly more volatility, while the minimum‑variance mix offers lower risk and a slightly better Sharpe than the current setup. Since the portfolio sits about 3.8 percentage points below the frontier at its risk level, the existing weights are reasonably effective but not fully optimized. In plain terms, a different blend of the same funds could improve the historical risk/return balance without changing the actual ingredients.

Dividends Info

  • Apple Inc. 0.30%
  • iShares Core Aggressive Allocation ETF 2.10%
  • Schwab Fundamental U.S. Small Company Index ETF 1.10%
  • Schwab Fundamental International Large Company Index ETF 3.00%
  • Schwab Fundamental U.S. Large Company Index ETF 1.50%
  • Microsoft Corporation 0.80%
  • Micron Technology Inc 0.10%
  • NVIDIA Corporation 0.10%
  • Starbucks Corporation 2.30%
  • Schwab U.S. Small-Cap ETF 1.10%
  • Schwab International Equity ETF 3.10%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Schwab U.S. REIT ETF 2.70%
  • Schwab U.S. Large-Cap ETF 1.00%
  • Vanguard Total World Stock Index Fund ETF Shares 1.60%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.60%
  • Weighted yield (per year) 0.41%

The total dividend yield is low at about 0.41%, which is modest for a stock‑heavy portfolio. Yield measures cash income paid out as dividends relative to price, separate from price gains. The low overall yield reflects a heavy tilt toward broad US and growth‑oriented equities, where many companies retain more earnings for reinvestment instead of distributing them. Some holdings, such as international equity and REIT ETFs, offer higher yields in the 2–3% range, but they represent small slices of the portfolio. This structure emphasizes total return through price appreciation rather than regular cash income, which is consistent with a long‑term growth‑focused equity mix.

Ongoing product costs Info

  • iShares Core Aggressive Allocation ETF 0.15%
  • Schwab Fundamental U.S. Small Company Index ETF 0.25%
  • Schwab Fundamental International Large Company Index ETF 0.25%
  • Schwab Fundamental U.S. Large Company Index ETF 0.25%
  • GREAT-WEST INTERNATIONAL INDEX FUND INVESTOR CLASS 0.58%
  • GREAT-WEST S&P 500 INDEX FUND INVESTOR CLASS 0.49%
  • Schwab U.S. Small-Cap ETF 0.04%
  • Schwab International Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Schwab U.S. REIT ETF 0.07%
  • Schwab U.S. Large-Cap ETF 0.03%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • 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) 0.39%

The combined ongoing cost, or TER, of about 0.39% per year is moderate. TER (Total Expense Ratio) is like a management fee charged inside each fund, quietly deducted before returns reach the investor. Most ETFs here are very low‑cost, often around 0.03–0.07%, which is in line with best‑in‑class index pricing. The higher expenses come from the Great‑West mutual funds, at roughly 0.49–0.58%, which pull the overall figure up. Over many years, even a few tenths of a percent can compound into meaningful differences in ending wealth, so the strong use of low‑cost ETFs provides a solid foundation, while the pricier core funds are the main cost drivers.

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