Broad equity market portfolio with strong US tilt and efficient risk return balance
Report created on Sep 17, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 70.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
VU Vanguard Growth Index Fund ETF Shares
VUG - US9229087369 10.00%
This portfolio is a three-ETF, 100% stock setup with a clear US core and a growth accent. About 70% sits in a total US market fund, 20% in a total international stock fund, and 10% in a US growth fund. That mix makes it simple yet firmly growth-oriented, with no bonds or cash buffers. Structurally, it behaves like a broad global equity portfolio with an extra push toward US growth names. Simpler portfolios like this are easier to understand and monitor because most of the risk and return comes from a small number of well-known building blocks rather than a long list of niche holdings.
Growth
From late 2016 to late 2026, $1,000 grew to about $3,762, which is a compound annual growth rate (CAGR) of 14.22%. CAGR is like your average “speed” over the whole trip, smoothing out all the bumps. Over that period, the US market alone did slightly better at 15.44% per year, while the global market returned 12.81%. So this portfolio lagged the US but beat the broader global market. The worst drop, or max drawdown, was about -34% during early 2020, which is in line with major equity markets. That shows it behaves like a full-risk stock portfolio, not a cushioned or defensive one.
Projection
The Monte Carlo projection uses past return and volatility patterns to simulate many possible future paths, a bit like rolling loaded dice thousands of times. Here, 1,000 simulations over 15 years show a median outcome of about $2,706 from $1,000, with a typical middle range between roughly $1,749 and $4,202. The annualized return across simulations is 7.99%, much lower than the historical 14%+ because the model bakes in uncertainty and bad-luck paths. Importantly, 72.2% of simulations end positive, but about 1 in 4 end flat or negative. As with any model, these are scenarios based on history, not predictions or guarantees.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash, or alternatives. That creates a “pure equity” return profile: strong growth potential over long periods but full participation in stock market downturns. Compared with many diversified benchmarks that blend stocks and bonds, this sits firmly on the higher-risk, higher-volatility side. The upside of a single asset class is clarity—you know most movements come from global equities. The trade-off is that there’s no built-in stabilizer that might soften large drawdowns when markets fall sharply. This is consistent with the “Growth” risk classification and the 5/7 risk score.
Sectors
- Technology 34%
- Financials 14%
- Industrials 10%
- Consumer Discretionary 9%
- Telecommunications 9%
- Health Care 9%
- Consumer Staples 4%
- Energy 3%
- Basic Materials 3%
- Real Estate 2%
- Utilities 2%
Sector-wise, the portfolio has a clear tilt toward technology at 34%, with financials, industrials, and consumer discretionary following behind. Compared with many broad global equity benchmarks, that’s on the tech-heavy side, amplified by the dedicated growth ETF. Tech-heavy portfolios can benefit strongly when innovation and digital business models lead the market, but they can also be sensitive to interest rate changes and shifts in market sentiment about growth companies. The remaining sectors are present in smaller but still meaningful weights, which helps keep some balance. This spread across multiple sectors is a positive sign for diversification within equities.
Regions
- North America 81%
- Europe Developed 7%
- Asia Developed 3%
- Japan 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
Geographically, about 81% of the portfolio is in North America, with relatively modest allocations to Europe, Japan, and various parts of Asia and other regions. Global indices typically have a strong US weight, but this portfolio leans even further toward North America than many world benchmarks. That means results will closely track the fortunes of the US economy, corporate earnings, and the US dollar. The international slice still adds some diversification benefits—different currencies, political systems, and economic cycles—but the overall risk story is dominated by US markets. This regional alignment has helped over the last decade, when US stocks outperformed many other regions.
Market capitalization
- Mega-cap 44%
- Large-cap 30%
- Mid-cap 18%
- Small-cap 5%
- Micro-cap 2%
By market cap, the portfolio is anchored in mega- and large-cap companies, which together make up about 74%. Mid-caps and smaller companies are present but in clearly smaller doses. Larger firms tend to be more established, with deeper liquidity and often more diversified business lines, which can make their share prices somewhat more stable than very small companies. The inclusion of mid- and small-caps provides exposure to potentially faster-growing firms and broadens diversification within the equity universe. Overall, this mix aligns well with common “total market” benchmarks and is a solid, benchmark-like spread across company sizes.
True holdings
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NV NVIDIA Corporation 5.71%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc. 5.35%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.63%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.73%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.60%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.17%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 2.05%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.53%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.39%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 1.25%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 28.40%
Looking through the ETFs, the biggest underlying positions are well-known large tech and growth names like NVIDIA, Apple, Microsoft, Amazon, and Alphabet classes A and C. Several of these appear across multiple funds, which creates overlap and hidden concentration even though you only hold three ETFs. For example, Apple and Microsoft show up via both the total market and growth ETFs. The coverage is limited to ETF top-10 holdings, so true overlap is likely higher than reported. In practice, that means the portfolio’s behavior is strongly influenced by a relatively small group of mega-cap growth companies, even if each individual ETF looks broadly diversified.
Factors
Factor exposure here is very balanced: value, size, momentum, quality, yield, and low volatility all sit around the 50% “neutral” mark. Factors are like underlying traits—cheap vs expensive (value), large vs small (size), or stable vs jumpy (low volatility)—that explain why different stocks behave differently. A neutral reading means the portfolio behaves similarly to a broad global equity index with no strong tilt toward any one trait. That’s consistent with using broad market index funds rather than specialized factor products. The upside is fewer surprises from factor bets; performance is mainly driven by the overall equity market instead of specific styles going in or out of favor.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 70.00% 71.3% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 17.2% -
Vanguard Growth Index Fund ETF Shares
Weight: 10.00% 11.5%
Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ from its weight. Here, the total US market ETF is 70% of the portfolio but contributes about 71% of the risk—almost a one-to-one match. The international ETF is 20% of weight yet only 17% of risk, so it slightly dampens overall volatility. The growth ETF is 10% by weight but roughly 11.5% of risk, reflecting its more volatile nature. Overall, risk is relatively in line with position sizes, with no single fund contributing disproportionately beyond its allocation, which is a healthy sign for concentration management.
Redundant positions
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High correlationVanguard Total Stock Market Index Fund ETF SharesVanguard Growth Index Fund ETF Shares
The correlation data highlight that the total US market ETF and the US growth ETF have moved almost identically. Correlation measures how often assets move together; a value near 1 means they usually rise and fall in sync. Highly correlated positions can limit diversification because, in a downturn, they tend to decline at the same time. In this case, the growth ETF adds a stronger tilt to similar underlying companies already present in the total market fund rather than offering very different behavior. That doesn’t make it “bad,” but it means the extra risk and return largely ride on the same US equity wave.
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 efficient frontier chart, this portfolio sits on or very close to the frontier, meaning its current mix produces an efficient balance of risk and return using these three holdings. The Sharpe ratio, which measures return per unit of risk above the risk-free rate, is 0.6 for the current portfolio. The optimal mix reaches 0.82 with higher return and higher risk, while the minimum-variance mix lowers risk with a slightly better Sharpe of 0.64. The key takeaway: within this specific set of ETFs, the current allocation is already doing a good job of converting risk into return without obvious inefficiencies.
Dividends
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Growth Index Fund ETF Shares 0.40%
- Vanguard Total International Stock Index Fund ETF Shares 2.60%
- Weighted yield (per year) 1.33%
The overall dividend yield is about 1.33%, with the international fund contributing the highest yield at 2.60% and the US growth ETF the lowest at 0.40%. Dividend yield is the annual cash payout as a percentage of price, like rent from owning shares. For this portfolio, dividends are a secondary feature rather than a core driver of returns—the focus is clearly on capital growth. Over time, even modest dividends can still matter when reinvested, adding to total return. But compared with income-focused setups, this configuration prioritizes potential price appreciation over regular cash payouts.
Ongoing product costs
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Growth Index Fund ETF Shares 0.04%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
Total ongoing fund costs are very low at around 0.04% per year (the “TER,” or Total Expense Ratio). That means paying about $0.40 per year for every $1,000 invested, which is impressively cheap. Costs are one of the few things investors can control, and small percentage differences compound significantly over decades. Here, the low-cost Vanguard index funds keep more of the portfolio’s returns in your pocket rather than going to fees. This cost level is strongly aligned with best practices in long-term, index-based investing and provides a solid structural advantage compared with higher-fee alternatives.
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