Broadly diversified global stock blend with efficient structure and a tilt toward lower volatility behavior
Report created on May 30, 2026Risk profile
4/7
Diversification profile
4/5
Positions
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VT Vanguard Total Stock Market Index Fund Admiral Shares
VTSAX - US9229087286 50.00% -
VT VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES
VTIAX - US9219098186 33.33% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 16.67%
This portfolio is a simple three‑fund mix that owns the global stock market in broad strokes. About half is in a total US stock fund, while the rest is split between two share classes of the same total international fund. That means everything here is equity, but spread across thousands of companies worldwide. This kind of “total market” structure matters because it avoids making big active bets on specific companies or themes. Instead, the portfolio mostly rides along with how global stocks do overall. The overlap between the two international positions is intentional by design, so the portfolio behaves like one unified global equity allocation.
Growth
From mid‑2016 to mid‑2026, a hypothetical $1,000 in this portfolio grew to about $3,313. That translates to a compound annual growth rate (CAGR) of 12.76%, which is slightly below the global equity benchmark and more noticeably below the US‑only benchmark. CAGR is like your average speed on a road trip, smoothing out bumps along the way. The worst peak‑to‑trough drop was about ‑34% during early 2020, similar to the benchmarks, showing it behaved much like broad markets in crisis. Interestingly, only 34 days account for 90% of total returns, highlighting how missing just a few strong days can significantly change long‑term outcomes.
Projection
The forward projection uses a Monte Carlo simulation, which runs 1,000 alternate “what if” paths based on historical return and volatility patterns. It’s like replaying the next 15 years many times with slightly different dice rolls. The median outcome turns $1,000 into about $2,825, with a wide but plausible middle range between roughly $1,816 and $4,353. The average annualized return across simulations is 8.33%, lower than the past decade’s realized growth, which is common when adding randomness and uncertainty. There is still a meaningful chance of flat or negative results, underlining that projections are just scenarios, not promises, and real markets can behave very differently from historical patterns.
Asset classes
- Stocks 100%
All of this portfolio is invested in stocks, with no bonds or alternative assets. Equities historically offer higher long‑term growth potential but can swing sharply in the short term. Because there’s no fixed income cushion, the portfolio’s ups and downs will closely track global stock market cycles. Versus a “balanced” mix that includes bonds, this is more growth‑oriented in pure asset‑class terms. The risk classification of 4/7 reflects that: not extreme, but clearly on the equity‑heavy side. The strong diversification score comes from how widely those stocks are spread, which helps reduce company‑specific risk even though market‑level risk remains fully present.
Sectors
- Technology 26%
- Financials 17%
- Industrials 13%
- Health Care 8%
- Consumer Discretionary 8%
- Telecommunications 7%
- Consumer Staples 5%
- Basic Materials 5%
- Energy 4%
- Utilities 3%
- Real Estate 3%
- Consumer Discretionary 1%
Sector exposure is broadly spread, with the largest weights in technology, financials, and industrials, followed by health care and consumer‑related areas. This pattern is very similar to major global indexes, which is a positive sign for diversification. A tech‑heavy allocation can benefit when innovation and growth themes dominate, but may see sharper swings when interest rates rise or investor sentiment shifts away from growth. The presence of meaningful allocations to financials, industrials, and defensive sectors like consumer staples and utilities provides some offsetting behavior. Overall, the sector mix is well‑balanced and aligns closely with global standards, supporting the portfolio’s broadly diversified label.
Regions
- North America 54%
- Europe Developed 18%
- Asia Developed 8%
- Japan 8%
- Asia Emerging 7%
- Australasia 2%
- Africa/Middle East 2%
- Latin America 1%
Geographically, about 54% of the portfolio is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and emerging regions. This is close to how global stock markets are weighted by size, where the US is large but not the only driver. Compared with a pure US portfolio, this mix has significantly more exposure to non‑US economies and currencies. That can help when leadership rotates between regions, though it also introduces currency swings relative to the dollar. The allocation is well‑balanced and aligns closely with global standards, meaning the portfolio isn’t making a big active bet on any single country or region.
Market capitalization
- Mega-cap 44%
- Large-cap 30%
- Mid-cap 18%
- Small-cap 5%
- Micro-cap 1%
The size breakdown shows a strong tilt toward mega‑ and large‑cap companies, together around three‑quarters of the portfolio, with the rest in mid, small, and micro caps. This mirrors total‑market index behavior, where the biggest companies naturally dominate by market value. Larger firms often bring more stable earnings and deeper liquidity, which can dampen extreme moves compared with a small‑cap‑heavy lineup. At the same time, having nearly a quarter in mid and smaller caps still captures some of the growth and volatility associated with that segment. The result is a market‑like blend rather than a concentrated bet on either giants or tiny companies.
True holdings
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23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.64%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
SS Samsung Electronics Co Ltd 0.27%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
AS ASML Holding N.V. 0.21%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
00 SK Hynix Inc 0.18%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
07 Tencent Holdings Ltd 0.14%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
HS HSBC Holdings PLC 0.12%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
99 Alibaba Group Holding Ltd 0.11%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
RO Roche Holding AG 0.11%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
AZ AstraZeneca PLC 0.11%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
NO Novartis AG 0.11%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 2.00%
The look‑through data only covers a small slice of holdings, but it still highlights some notable underlying names. Large global firms like Taiwan Semiconductor, Samsung, ASML, Tencent, and big pharmaceutical companies appear through the international ETFs. These are widely held index constituents rather than idiosyncratic bets. Because the international positions are two share classes of the same index fund, underlying overlap is very high by design, meaning that top holdings in one are essentially the same as in the other. Hidden concentration in individual companies remains modest overall, as each firm represents a tiny share of the total diversified portfolio.
Factors
Factor exposure is mostly neutral across value, size, momentum, and quality, meaning the portfolio behaves like a broad market index on those dimensions. Factor investing looks at traits like cheapness (value) or trend strength (momentum) as drivers of return. Here, the only notable tilts are a mildly higher exposure to low volatility and a somewhat lower exposure to yield. The low‑volatility tilt suggests the portfolio is slightly tilted toward stocks that have historically swung less than the market, which can soften some bumps in rough periods. The lower yield tilt means it relies more on price changes than on dividends as the main return engine.
Risk contribution
-
Vanguard Total Stock Market Index Fund Admiral Shares
Weight: 50.00% 53.3% -
VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES
Weight: 33.33% 30.3% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 16.67% 16.4%
Risk contribution shows how much each holding adds to overall portfolio ups and downs, which can differ from its weight. The total US stock fund is 50% of the portfolio but contributes about 53% of total risk, a bit more than proportional. The two international share classes together make up the remaining allocation and roughly their fair share of risk. That modestly higher risk share from the US fund suggests its volatility or correlation with the rest is slightly higher. Still, nothing here stands out as extreme concentration: risk and weight are closely aligned, which is typical for a simple, broad index‑based three‑fund structure.
Redundant positions
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High correlationVanguard Total International Stock Index Fund ETF SharesVANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES
The correlation data highlights that the two international positions move almost identically, which makes sense because they track the same underlying index in different wrappers. Correlation describes how often two assets move in the same direction at the same time; when it’s very high, holding both doesn’t add much diversification between them. In this case, the dual share classes mainly serve implementation and vehicle differences rather than risk‑spreading. Most diversification benefits in this portfolio come from owning both US and non‑US stocks, and from spreading across many sectors and company sizes, rather than from low correlation between the three top‑level funds.
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 analysis shows this portfolio sitting on or very near the frontier, meaning its mix of return and volatility is already quite efficient given the current holdings. The Sharpe ratio, which measures return per unit of risk after adjusting for a risk‑free rate, is solid but below the theoretical optimum using the same three funds. The “optimal” and “minimum variance” portfolios are just different weightings of these same building blocks. Since the current allocation already lies close to the frontier, the main takeaway is that the structure is working well; it’s not leaving a lot of risk‑adjusted return on the table based on historical relationships.
Dividends
- VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES 2.60%
- Vanguard Total Stock Market Index Fund Admiral Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.82%
The overall dividend yield is about 1.82%, with higher yields coming from the international funds and a lower yield from the US total market fund. Dividend yield is the annual cash payout as a percentage of current price, like interest on savings but not guaranteed. In this portfolio, dividends contribute a modest but meaningful part of total return, with the majority still driven by price movements. The relatively lower yield tilt aligns with broad global indexes today, where many large companies prefer buybacks or reinvestment over high cash payouts. For investors tracking income, it’s helpful to see that cash flows are diversified across regions.
Ongoing product costs
- VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES 0.09%
- Vanguard Total Stock Market Index Fund Admiral Shares 0.04%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.06%
The total expense ratio (TER) for the portfolio is around 0.06%, reflecting very low‑cost index funds across the board. TER is the annual fee charged by a fund, taken out of returns before you see them, similar to a small service charge. Costs at this level are impressively low and compare favorably with many actively managed or niche products. Over long periods, keeping expenses minimal can support better outcomes because less drag compounds over time. Combined with broad diversification and market‑like exposures, the low‑cost structure is a real strength of this portfolio and a key reason index approaches are widely used.
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