Strong growth focused global equity mix with notable single stock tilts and low overall costs
Report created on Aug 16, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 64.59% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 19.72% -
AM Advanced Micro Devices Inc
AMD - US0079031078 8.68% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 5.08% -
PL Palantir Technologies Inc.
PLTR - US69608A1088 1.93%
This portfolio is a concentrated all‑equity mix anchored by broad index ETFs with a couple of bold stock picks. Around two‑thirds sits in a total US stock market ETF, with another fifth in a total international ETF. A small slice goes to a US small‑cap value ETF, and the rest is in two individual tech‑oriented stocks. Structurally, this is mostly a “own the whole market” approach, with a deliberate overlay of higher‑risk single names. That combination means most behaviour will follow global stocks, but performance can be noticeably nudged by what happens to those individual companies, especially during sharp market moves.
Growth
From late 2020 to mid‑2026, $1,000 grew to about $3,033, implying a compound annual growth rate (CAGR) near 20.9%. CAGR is like an average yearly “cruise speed” that smooths out all the bumps. Over this period, the portfolio beat both the US market and global market by a clear margin, though with a max drawdown of about ‑31%, deeper than the US benchmark. Drawdown is the peak‑to‑trough fall; here it took roughly two and a half years to fully recover. Only 33 days made up 90% of returns, underlining how a handful of strong days shaped the outcome. This strong history is encouraging but cannot guarantee similar future results.
Projection
The Monte Carlo projection uses past returns and volatility to simulate 1,000 different 15‑year futures, like running the same movie with slightly different twists each time. The median outcome grows $1,000 to about $2,709, with a central “likely” range from roughly $1,808 to $4,037. There’s about a 74% chance of finishing ahead of $1,000, and the average simulated annual return is around 8%. These numbers show a wide cone of possibilities: equity portfolios can do much better or worse than the midpoint. Because simulations are based on historical patterns and assumptions, they’re best read as a rough map of potential ranges, not a promise.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with no allocation to bonds, cash equivalents, or alternative assets. Equities historically offer higher long‑term growth potential but also sharper swings, especially over short periods. Having 100% in stocks means the portfolio fully participates in market cycles, both up and down, with no built‑in buffer from more stable asset classes. Compared to balanced portfolios that mix in bonds, this structure leans firmly toward growth and volatility rather than capital stability. The “Growth Investors” classification and mid‑high risk score reflect this all‑equity stance, which naturally amplifies sensitivity to economic and earnings news.
Sectors
- Technology 39%
- Financials 13%
- Industrials 10%
- Consumer Discretionary 9%
- Health Care 8%
- Telecommunications 7%
- Consumer Staples 4%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is tilted heavily toward technology at about 39%, with the rest spread across financials, industrials, consumer groups, health care, telecom, energy, materials, utilities, and real estate. That tech overweight is reinforced by the two individual tech‑focused stocks on top of broad market holdings. Tech‑heavy portfolios can shine in periods of innovation and low interest rates, but they often swing more when growth expectations or rate paths change. The positive here is that the remaining sectors are reasonably represented, so it’s not a single‑sector bet. Still, sector returns may be more tied to the fortunes of growth and innovation themes than a perfectly neutral market mix.
Regions
- North America 82%
- Europe Developed 7%
- Asia Developed 4%
- Japan 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 82% of the portfolio is in North America, with modest slices in developed Europe and Asia, plus smaller exposures to Japan, emerging Asia, and other regions. This is a clear US‑centric stance compared with global equity benchmarks, where North America typically sits closer to roughly 60%. A North America tilt has helped in recent years as US markets outperformed many others. At the same time, it means country, currency, and policy risks are more tied to a single region. The international ETF adds a helpful layer of global diversification, but overall behaviour will still largely mirror North American equity trends.
Market capitalization
- Mega-cap 45%
- Large-cap 26%
- Mid-cap 16%
- Small-cap 7%
- Micro-cap 4%
Across company sizes, the portfolio leans toward mega‑ and large‑cap names, which together make up over 70%. Mid‑caps, small‑caps, and micro‑caps still appear meaningfully, helped by the total market and small‑cap value ETF. Larger companies typically have more stable earnings, deeper liquidity, and more analyst coverage, which can reduce idiosyncratic risk versus tiny firms. Smaller companies can be more volatile but sometimes offer stronger growth or value opportunities. This mix gives a mostly “big company” profile with some exposure further down the size spectrum, which can slightly increase both diversification and potential return variability compared with a pure large‑cap index.
True holdings
-
-
NV NVIDIA Corporation 4.08%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc. 3.77%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.46%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.05%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
-
GO Alphabet Inc Class A 1.86%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.59%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.47%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 1.16%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 29.04%
Looking through ETF top‑10s plus direct holdings, there’s noticeable concentration in a handful of big tech names. Advanced Micro Devices is a direct position at about 8.7% of the portfolio, and Palantir adds another 1.9%. Meanwhile, NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, and Micron appear via ETFs. Several of these names recur across multiple funds, creating overlap that doesn’t show fully because only ETF top‑10s are captured. This overlap can quietly increase dependence on a small cluster of large tech‑oriented companies. When those stocks move together, they can drive portfolio results more strongly than the headline diversification across thousands of underlying holdings might suggest.
Factors
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 broadly neutral across all six measured factors: value, size, momentum, quality, low volatility, and yield. Factor exposure describes how much the portfolio leans into characteristics that research links to long‑term returns, like cheaper valuations (value) or higher quality balance sheets (quality). Here, scores hover near 50%, which is close to a broad market average. That means the portfolio, as measured, doesn’t meaningfully tilt toward or away from any single factor style. In practice, performance is likely to resemble a diversified market‑like factor mix, rather than behaving like a dedicated value, growth, or low‑volatility strategy.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 64.59% 57.2% -
Advanced Micro Devices Inc
Weight: 8.68% 19.6% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 19.72% 14.5% -
Avantis® U.S. Small Cap Value ETF
Weight: 5.08% 4.8% -
Palantir Technologies Inc.
Weight: 1.93% 3.9%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. The broad US ETF is 64.6% of assets and contributes about 57.2% of risk, so it’s influential but not outsized. AMD stands out: at 8.7% weight, it contributes almost 19.6% of risk, more than double its share. Palantir is similar on a smaller scale, with roughly 2% weight but nearly 3.9% of risk. Together with the US ETF, the top three holdings drive over 91% of total risk. This highlights how a few positions, especially volatile single stocks, dominate portfolio behaviour.
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 chart compares this portfolio to all other mixes possible using the same holdings. The Sharpe ratio, which measures return per unit of risk above the risk‑free rate, is about 0.85 for the current allocation. The maximum‑Sharpe mix reaches roughly 1.25, but with much higher volatility and return. At the current risk level, the portfolio sits around 1.94 percentage points below the frontier, meaning it’s a bit less efficient than the best achievable blend of these assets. The minimum‑variance combination offers lower risk with a similar Sharpe to today. This suggests reweighting the same holdings could modestly improve the risk/return balance.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.20%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.50%
- Weighted yield (per year) 1.20%
The overall dividend yield is about 1.2%, coming from modest payouts across the underlying funds. The total international ETF has the highest yield near 2.5%, while the total US and small‑cap value ETFs yield around 1.0–1.2%. Dividends represent cash distributions from company profits, which can be reinvested or withdrawn. In growth‑oriented equity portfolios, most long‑term return typically comes from price appreciation rather than income, and that’s consistent with this structure. The emphasis here is clearly on capital growth instead of high current yield, which aligns with the strong historical performance but means income flows are relatively light.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- 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) 0.04%
Costs are a notable strength. The total expense ratio (TER) across holdings is about 0.04%, which is extremely low by industry standards. TER is the annual fee charged by funds, expressed as a percentage of assets; over time, even small differences compound. Using broad, low‑cost ETFs as the core keeps the fee drag minimal, allowing more of the portfolio’s gross return to reach the investor. The small‑cap value ETF charges a bit more at 0.25%, but it is a minor position and doesn’t meaningfully raise the blended cost. Overall, these impressively low fees provide a solid foundation for long‑term compounding.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey