Growth focused global portfolio with strong technology tilt and mostly neutral factor exposures
Report created on May 31, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 50.18% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 22.64% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 9.06% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 9.06% -
BN Vanguard Total World Bond ETF
BNDW - US92206C5655 4.53% -
GO Alphabet Inc Class C
GOOG - US02079K1079 4.53%
This portfolio is built mainly from broad low-cost ETFs with a small single-stock satellite position. Roughly half sits in a global stock market fund, which gives it a diversified base across many companies and regions. On top of that, a sizable technology ETF and a dedicated small-cap value ETF add more focused growth and style exposure. A U.S. dividend ETF introduces a cash‑flow element, while a global bond ETF provides a modest stabilizer. The direct position in Alphabet adds a small stock‑picking element on top of the fund holdings. Overall, the structure is clearly equity‑heavy with a growth tilt, using a “core and satellites” setup where one broad fund anchors the portfolio and the others add targeted characteristics.
Growth
From late 2019 to May 2026, a hypothetical $1,000 in this portfolio grew to about $3,040, a compound annual growth rate (CAGR) of 18.18%. CAGR is basically the “average yearly speed” of growth over the whole period. That outpaced both the U.S. market benchmark at 16.70% and the global market at 14.11%. The worst peak‑to‑trough drop, or max drawdown, was around ‑33%, very similar to the benchmarks during the 2020 crash, and it recovered within a few months. Most of the long‑term gain came from a relatively small number of strong days, which is common in equity portfolios. The combination of benchmark‑like risk with higher return is a positive historical pattern, though not a guarantee.
Projection
The Monte Carlo projection uses past returns and volatility to create 1,000 random future paths for the portfolio over 15 years. Think of it as re‑rolling the historical dice many times to see a range of possible outcomes rather than a single forecast. In these simulations, $1,000 most often ended up around $2,670, with a middle “likely” range between roughly $1,849 and $4,046. The very wide full range, from just over $1,000 to more than $7,000, shows how uncertain long‑term equity outcomes can be. The average simulated annual return of 7.85% is much lower than recent history, which is a reminder that strong past growth does not automatically continue.
Asset classes
- Stocks 95%
- Bonds 5%
About 95% of this portfolio is in stocks and only around 5% in bonds. Asset classes are broad buckets like stocks, bonds, and cash that tend to behave differently across market cycles. An equity share this high fits a growth‑oriented risk profile and lines up with the “Growth” classification score of 5/7. Compared with a typical global market mix, this is clearly equity‑tilted and will move more with stock market ups and downs than with interest‑rate driven bond moves. The small bond slice, through a global aggregate fund, introduces some income and potential cushioning, but it is not large enough to dramatically change the overall risk picture, which remains dominated by equity behavior.
Sectors
- Technology 39%
- Financials 11%
- Telecommunications 10%
- Industrials 8%
- Consumer Discretionary 7%
- Health Care 6%
- Energy 5%
- Consumer Staples 5%
- Basic Materials 3%
- Utilities 1%
- Real Estate 1%
This breakdown covers the equity portion of your portfolio only.
Sectorwise, technology stands out at about 39% of the equity exposure, well above broad global benchmarks where tech is important but not this dominant. Other sectors like financials, telecoms, industrials, consumer areas, health care, energy, and materials are all present in smaller amounts, creating a reasonable spread outside of tech. A tech‑heavy portfolio often benefits strongly in periods when innovation‑driven companies lead markets, but it can also be more sensitive when interest rates rise or when growth expectations cool. The presence of dividend‑oriented and value holdings helps keep exposure to more defensive or income‑producing sectors, even if they are not the main driver.
Regions
- North America 77%
- Europe Developed 7%
- Asia Developed 3%
- Japan 3%
- Asia Emerging 3%
- Australasia 1%
- Latin America 1%
- Africa/Middle East 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, about 77% of the portfolio’s equity exposure sits in North America, with smaller slices in developed Europe, Japan, other developed Asia, and various emerging regions. That North American tilt is stronger than a classic global market index, where the U.S. is big but not quite this dominant. This has been helpful in a period when U.S. markets have led global returns. It also means a lot of economic and currency exposure is tied to one region. The remaining allocations across Europe, Asia, and emerging markets still provide some global diversification, but the portfolio’s overall behavior is likely to track North American market trends quite closely.
Market capitalization
- Mega-cap 39%
- Large-cap 28%
- Mid-cap 14%
- Small-cap 9%
- Micro-cap 5%
This breakdown covers the equity portion of your portfolio only.
The market capitalization mix is anchored in mega‑ and large‑cap companies, totaling roughly two‑thirds of the portfolio. Market cap just means the total value of a company’s shares, and bigger firms tend to be more stable and widely followed. Mid‑caps, small‑caps, and even micro‑caps together make up the remaining third, largely thanks to the small‑cap value ETF and the broad world stock fund. This structure mirrors a global equity index with an added small‑cap tilt. The presence of smaller companies can add return potential and diversification because they don’t always move in lockstep with giants, but they can also introduce more short‑term volatility and sharper moves around economic cycles.
True holdings
-
NV NVIDIA Corporation 6.29%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
Part of fund(s):
- Vanguard Total World Stock Index Fund ETF Shares
-
AA Apple Inc 5.09%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
MS Microsoft Corporation 3.62%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
BN Vanguard Bond Index Funds - Vanguard Total Bond Market ETF 2.32%
Part of fund(s):- Vanguard Total World Bond ETF
-
BN Vanguard Charlotte Funds - Vanguard Total International Bond ETF 2.21%
Part of fund(s):- Vanguard Total World Bond ETF
-
AV Broadcom Inc 1.90%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
AM Amazon.com Inc 1.13%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.01%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.75%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
- Top 10 total 29.65%
This breakdown covers the equity portion of your portfolio only.
Looking through the funds’ top holdings, a few large technology and growth names show up prominently: NVIDIA, Apple, Microsoft, Amazon, and both Alphabet share classes. Alphabet is especially notable because there is both a direct stock position and exposure via ETFs, leaving total Alphabet Class C at about 5.32% of the portfolio. This is an example of “overlap,” where the same company appears in multiple funds plus a single-stock allocation. Bond index holdings also appear inside the global bond ETF, but they affect income and interest-rate sensitivity more than equity risk. Because only ETF top‑10 holdings are visible, actual overlap across all positions is likely somewhat higher than these figures show.
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 exposures here are broadly neutral across the standard six factors: value, size, momentum, quality, low volatility, and yield. Factor exposure is a way of describing a portfolio’s tilt toward certain characteristics that research links to long‑term returns, like cheaper valuations or more stable price patterns. With readings clustered around 50%, this portfolio behaves a lot like the broad market across these dimensions rather than leaning strongly into any single style. The presence of a small‑cap value ETF and a dividend fund adds some targeted characteristics, but because they are smaller pieces of the whole, they are not strong enough to push factor scores far from market‑average levels.
Risk contribution
-
Vanguard Total World Stock Index Fund ETF Shares
Weight: 50.18% 47.7% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 22.64% 29.0% -
Avantis® U.S. Small Cap Value ETF
Weight: 9.06% 10.7% -
Schwab U.S. Dividend Equity ETF
Weight: 9.06% 7.2% -
Alphabet Inc Class C
Weight: 4.53% 5.2% - Top 5 risk contribution 99.8%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can be very different from its weight. The global stock fund is about half the portfolio and contributes a similar share of risk, which is proportional. The technology ETF, at roughly 23% weight, contributes nearly 29% of risk, meaning it is relatively more volatile and influential. The small‑cap value ETF and Alphabet also punch a bit above their weight in risk terms, while the dividend ETF contributes less risk than its size. The top three holdings together account for over 87% of total risk, so day‑to‑day movements are mostly about those core equity positions rather than the smaller bond or dividend elements.
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, with a Sharpe ratio of 0.71 versus 1.05 for the optimal mix built from the same holdings. The Sharpe ratio is a simple way to compare risk‑adjusted returns, showing how much extra return you’re getting per unit of volatility over a risk‑free rate. Being about 3.6 percentage points below the frontier at the current risk level suggests that, historically, a different weighting of these exact funds could have delivered a better trade‑off between risk and return. The minimum‑variance version shows how much total volatility might drop if the mix were dialed more toward stability rather than maximum growth.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Vanguard Total World Bond ETF 4.20%
- Alphabet Inc Class C 0.20%
- Schwab U.S. Dividend Equity ETF 3.20%
- Vanguard Information Technology Index Fund ETF Shares 0.30%
- Vanguard Total World Stock Index Fund ETF Shares 1.60%
- Weighted yield (per year) 1.48%
The overall dividend yield is around 1.48%, which is modest and in line with a growth‑oriented equity portfolio. Yield is the cash income from dividends and bond interest, expressed as a percentage of the portfolio’s value. The global bond ETF and the U.S. dividend equity ETF stand out here, with yields over 3–4%, while the tech ETF and Alphabet pay very little, reflecting their focus on reinvesting profits rather than distributing them. The world stock fund contributes a broad, moderate yield around 1.6%. This mix means that most of the portfolio’s total return historically has come from price changes rather than income, with dividends acting as a smaller but steady component.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Vanguard Total World Bond ETF 0.05%
- Schwab U.S. Dividend Equity ETF 0.06%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- Weighted costs total (per year) 0.09%
The weighted average total expense ratio (TER) for the portfolio is about 0.09%, which is impressively low. TER is the annual fee charged by funds, taken directly out of returns, similar to a small percentage‑based subscription cost. For context, many actively managed funds charge well above 0.5–1.0%, so this structure aligns closely with low‑cost indexing best practices. The slightly higher‑fee small‑cap value ETF is balanced by very cheap global stock and bond funds. Keeping costs this low helps more of the portfolio’s gross return show up in net performance over time, and the current fee level is a solid strength of this setup.
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