Broad global stock mix with strong US core and efficient risk balanced across regions and sizes
Report created on Apr 21, 2026Risk profile
- Secure Speculative
The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.
Diversification profile
- Focused Diversified
The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.
Positions
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VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 60.00% -
VW Vanguard FTSE Emerging Markets Index Fund ETF Shares
VWO - US9220428588 30.00% -
VE Vanguard FTSE Developed Markets Index Fund ETF Shares
VEA - US9219438580 10.00%
This portfolio is a simple three‑fund, all‑stock setup: a 60% core in a broad US market ETF, 30% in emerging markets, and 10% in developed markets outside the US. That means every dollar is in equities rather than in bonds or cash. Structurally, it’s a “total world but US‑tilted” approach, using low‑cost index funds instead of individual stocks. This kind of structure matters because broad index funds spread risk across thousands of companies rather than just a handful. The mix creates a clear center of gravity in the US, with meaningful but smaller positions in the rest of the world, which helps balance familiarity with global diversification while keeping the portfolio very easy to manage.
Growth
From 2016 to early 2026, a $1,000 investment grew to about $3,211, implying a 12.44% compound annual growth rate (CAGR). CAGR is the “average yearly speed” of growth over the whole period. The portfolio slightly beat the global market benchmark, which returned 12.21% annually, but lagged the US market’s stronger 14.80%. The worst drop, or max drawdown, was about -34% during early 2020, broadly in line with the benchmarks. This shows the portfolio has behaved like a typical global stock allocation: strong long‑term growth with sharp but recoverable downturns. As always, past returns only show what happened, not what must happen next.
Projection
The forward projection uses a Monte Carlo simulation, which is basically running the portfolio’s historical returns through thousands of “what if” futures. Each simulation shuffles returns and volatility into a different path to see a range of possible outcomes. Over 15 years, the median outcome grows $1,000 to around $2,841, with a fairly wide middle range from roughly $1,797 to $4,213. There’s about a 74% chance of ending with more than the starting amount. The average simulated annual return is 8.22%, lower than the historical 12.44%, reflecting more conservative assumptions. These projections are helpful for visualizing uncertainty but are still just models based on the past.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash, or alternatives. That makes the asset class picture simple but meaningful: returns are driven purely by global equity markets. An all‑equity allocation can see larger swings than a mix that includes bonds, because there is no “shock absorber” asset class to dampen volatility. On the upside, it fully captures equity market growth when stocks do well. Compared with many broad benchmarks that mix stocks and bonds, this structure leans more toward growth and risk. The clear, single‑asset‑class design also makes it easier to understand what’s driving performance at any point in time.
Sectors
- Technology 28%
- Financials 16%
- Industrials 10%
- Consumer Discretionary 10%
- Telecommunications 8%
- Health Care 8%
- Consumer Staples 5%
- Basic Materials 5%
- Energy 4%
- Utilities 3%
- Real Estate 2%
Sector exposure is diversified, with technology at 28%, financials at 16%, and industrials and consumer discretionary each at 10%. The rest is spread across telecoms, health care, consumer staples, materials, energy, utilities, and real estate. This is roughly in line with global equity index patterns, which often have technology as the largest slice. A tech‑heavier allocation like this can benefit during innovation and growth cycles but may feel sharper swings when interest rates rise or when growth stocks sell off. The presence of more defensive areas like consumer staples and utilities, even at smaller weights, helps smooth things out somewhat, providing different drivers of returns across economic environments.
Regions
- North America 61%
- Asia Emerging 15%
- Asia Developed 9%
- Europe Developed 5%
- Africa/Middle East 3%
- Latin America 3%
- Japan 2%
- Australasia 1%
- Europe Emerging 1%
Geographically, about 61% of the portfolio is in North America, with 39% spread across emerging and developed markets outside that region. Asia emerging and developed together make up roughly a quarter, with smaller slices in Europe, Latin America, Africa/Middle East, Japan, and Australasia. This structure gives a clear US and North American anchor while still giving substantial exposure to faster‑growing or less correlated regions. Compared with a pure US portfolio, this one looks more globally balanced and aligns reasonably well with world equity weights. That global reach can help when different economies move out of sync, adding another layer of diversification beyond sectors alone.
Market capitalization
- Mega-cap 43%
- Large-cap 30%
- Mid-cap 18%
- Small-cap 5%
- Micro-cap 2%
By market capitalization, the portfolio is tilted toward the largest companies: 43% in mega‑caps and 30% in large‑caps, with the rest in mid, small, and a small slice in micro‑caps. Market cap just measures a company’s size on the stock market. This pattern is common in cap‑weighted index funds, where bigger companies naturally get bigger weights. The large‑company focus tends to mean more stability in everyday moves, since mega‑caps are usually more established. At the same time, having nearly a quarter in mid, small, and micro‑caps keeps some exposure to potentially faster‑growing but more volatile businesses, adding another dimension of diversification within equities.
True holdings
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23 Taiwan Semiconductor Manufacturing Co. Ltd. 3.84%
Part of fund(s):- Vanguard FTSE Emerging Markets Index Fund ETF Shares
-
NV NVIDIA Corporation 3.84%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 3.55%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.62%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.92%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.60%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.40%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.27%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.19%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
07 Tencent Holdings Ltd 1.07%
Part of fund(s):- Vanguard FTSE Emerging Markets Index Fund ETF Shares
- Top 10 total 22.30%
Looking through ETF top holdings, the largest underlying exposures include Taiwan Semiconductor, Nvidia, Apple, Microsoft, Amazon, Alphabet (both share classes), Broadcom, Meta, and Tencent. Each of these is under 4% of the total portfolio, but combined they make up a meaningful chunk of risk and return. Several names appear across multiple ETFs, so there is some overlap, especially among the big global tech and platform companies. Because only top‑10 ETF holdings are captured, overall overlap is probably higher than shown. This kind of concentration in a handful of global leaders is typical for broad equity indices and helps explain why news about these companies can noticeably move the portfolio.
Factors
Factor exposure is broadly neutral across all six measured factors: value, size, momentum, quality, yield, and low volatility all sit close to 50%. Factor exposure is like checking which “personality traits” of stocks the portfolio leans into; here, it’s basically mirroring the broad market. That means no strong tilt toward cheap vs. expensive stocks, big vs. small, or stable vs. more volatile names. A balanced factor profile like this usually means the portfolio behaves similarly to a global index, rising and falling in line with the overall market rather than making big bets on any single style. This alignment helps make performance more predictable relative to broad benchmarks.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 60.00% 61.3% -
Vanguard FTSE Emerging Markets Index Fund ETF Shares
Weight: 30.00% 29.5% -
Vanguard FTSE Developed Markets Index Fund ETF Shares
Weight: 10.00% 9.2%
Risk contribution shows how much each holding actually drives portfolio ups and downs, which can differ from its weight. Here, the US total market ETF is 60% of assets and contributes about 61% of total risk, almost a one‑for‑one match. Emerging markets at 30% weight contribute about 30% of risk, and developed ex‑US at 10% weight contributes about 9%. That tells us each position’s volatility and correlation are quite in line with its size, with no hidden “risk hog” among the three. It’s a textbook example of a simple, scaled‑by‑weight risk structure that behaves intuitively when markets move.
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 shows this portfolio sitting on or very close to the frontier, meaning that for its level of risk, the mix of holdings is already using them efficiently. The Sharpe ratio, a measure of risk‑adjusted return, is 0.53 for the current portfolio, compared with 0.77 for the optimal weighting and 0.64 for the minimum variance mix. All points lie along the same curve built from just these three ETFs. This suggests that while other weightings could slightly change risk or return, the existing allocation is already in a solid zone where the tradeoff between volatility and expected return is well balanced.
Dividends
- Vanguard FTSE Developed Markets Index Fund ETF Shares 2.70%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.50%
- Weighted yield (per year) 1.68%
The portfolio’s overall dividend yield is about 1.68%, blending a 1.10% yield from the US total market, 2.50% from emerging markets, and 2.70% from developed ex‑US. Dividend yield is simply the annual cash payouts as a percentage of price. Here, most of the total return historically has come from price growth rather than income. Still, dividends provide a steady, if modest, cash stream that can be reinvested to boost compounding. Because this is an all‑equity portfolio, dividends may fluctuate with company profits and payout policies, particularly in regions where dividends make up a larger share of stock returns.
Ongoing product costs
- Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
- Weighted costs total (per year) 0.05%
Costs are very low, with expense ratios of 0.03%, 0.05%, and 0.08% for the three ETFs and a blended total of around 0.05%. The total expense ratio (TER) is the annual fee charged by the funds, quietly taken out of returns. At this level, costs are impressively low and compare favorably with typical active funds, which often charge many times more. Over long periods, even small differences in fees can compound into meaningful gaps in ending wealth. Here, the low‑cost structure supports keeping more of the market’s return, which is a strong foundation for a long‑term, buy‑and‑hold equity strategy.
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