Strong growth focused portfolio with tech tilt and broadly diversified global equity foundation
Report created on Apr 6, 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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VO Vanguard S&P 500 ETF
VOO - US9229083632 45.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 23.00% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 22.00% -
BN Vanguard Total International Bond Index Fund ETF Shares
BNDX - US92203J4076 5.00% -
VI VIB Vermögen AG
VIBVY - US9255561022 5.00%
The portfolio is heavily tilted toward equities, with about 95% in stock ETFs and a small 5% slice in bonds. Most of the equity risk comes from three broad building blocks: a large US market ETF, a global ex‑US ETF, and a dedicated technology ETF. A single individual stock and an international bond ETF play only minor roles in overall behavior. Structurally, this is a simple, low‑complexity setup that’s easy to understand and monitor. The main takeaway is that this mix is designed primarily for growth rather than capital preservation, with bonds and the single stock having limited impact compared with the three big equity holdings.
Growth
Over roughly ten years, $1,000 grew to about $3,839, delivering a compound annual growth rate (CAGR) of 14.47%. CAGR is like your average yearly speed on a long road trip, smoothing out bumps along the way. That growth slightly beat the US market and clearly outpaced the global market, which is a strong result. The worst peak‑to‑trough loss was about -30% during early 2020, a bit shallower and faster‑recovering than the benchmarks. This shows the portfolio handled a major shock relatively well. Still, past performance cannot guarantee similar future returns, especially given how strong the last decade has been for large US and tech‑oriented equities.
Projection
The Monte Carlo projection uses historical return and volatility patterns to simulate thousands of possible 15‑year paths for a $1,000 investment. Think of it as running 1,000 alternate futures based on how similar portfolios behaved before. The median outcome of around $2,601 suggests a reasonable growth expectation, but the spread is wide: roughly $1,027 to $6,955 for the central 90% of simulations. About 71% of scenarios end positive, yet the lower outcomes show that poor sequences of returns can significantly limit growth. These simulations are useful for framing expectations but still rely on the past, so they cannot capture unexpected structural changes or regime shifts.
Asset classes
- Stocks 95%
- Bonds 5%
With 95% in stocks and 5% in bonds, this allocation is equity‑heavy compared with many “balanced” setups that often sit closer to 60/40 or 70/30. Stocks historically deliver higher long‑term returns but come with larger swings, while bonds usually act as a stabilizer and income source. Here, the small bond weight means limited downside cushioning during equity bear markets, but also minimal drag in strong bull markets. This structure makes sense for someone with a long horizon who can ride out volatility, but it’s more exposed to sharp drawdowns than a classic balanced mix. Rebalancing frequency will also matter if risk tolerance changes over time.
Sectors
- Technology 40%
- Financials 11%
- Industrials 8%
- Consumer Discretionary 7%
- Real Estate 7%
- Health Care 6%
- Telecommunications 6%
- Consumer Staples 4%
- Basic Materials 3%
- Energy 3%
- Utilities 2%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is clearly tilted toward technology at about 40%, with the rest spread across financials, industrials, consumer‑oriented sectors, real estate, health care, telecom, and others. Compared with broad global benchmarks, this is a tech‑heavier profile, largely due to the dedicated technology ETF. Tech dominance can drive strong growth, particularly in innovation cycles and low‑rate environments, but it can also create vulnerability when interest rates rise or when valuations compress. The encouraging part is that non‑tech weights are still meaningful, so the portfolio isn’t a pure single‑sector bet. The trade‑off is accepting higher short‑term swings for the chance of outsized long‑term gains.
Regions
- North America 69%
- Europe Developed 14%
- Japan 4%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, about 69% is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and smaller slices in emerging regions. This US‑heavy positioning aligns fairly closely with global market capitalization, where the US makes up a large share. That alignment is actually a positive: it leans into global standards rather than making big active geographic bets. The smaller weights in emerging markets and other regions mean less exposure to local growth stories but also reduced sensitivity to their political and currency risks. Overall, the geographic mix provides solid global diversification while still keeping the center of gravity in North America.
Market capitalization
- Mega-cap 43%
- Large-cap 28%
- Mid-cap 14%
- Small-cap 8%
- Micro-cap 1%
This breakdown covers the equity portion of your portfolio only.
The portfolio is dominated by mega‑ and large‑cap companies, with smaller positions in mid‑, small‑, and micro‑caps. Larger firms usually have more diversified businesses, stronger balance sheets, and deeper liquidity, which can make them somewhat more resilient during stress. Smaller companies, while more volatile, can provide unique growth opportunities and different drivers of return. Here, the modest allocation to smaller caps adds some diversification without overwhelming the risk profile. This size distribution is broadly in line with market‑cap‑weighted benchmarks, which is a good sign: it suggests the portfolio isn’t making extreme size bets and should behave similarly to the global equity market on that dimension.
True holdings
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NV NVIDIA Corporation 7.27%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AA Apple Inc 6.47%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
-
MS Microsoft Corporation 4.52%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.11%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 1.56%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.39%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.11%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.08%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Tesla Inc 0.86%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Top 10 total 31.37%
Looking through the ETFs, the largest indirect exposures are to big US technology and communication names, with NVIDIA, Apple, Microsoft, Broadcom, and others all appearing via multiple funds. This overlap means several companies collectively make up a meaningful chunk of total exposure, even though they aren’t held as single stocks. Because only ETF top‑10 holdings are captured, actual overlap is likely higher than shown. The key point is that diversification is weaker than the fund count suggests: many eggs are still in the same mega‑cap tech basket. That can be rewarding in strong tech markets but magnifies pain if these giants stumble together.
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 value, size, momentum, quality, yield, and low volatility. Factors are characteristics like “cheap vs. expensive” or “stable vs. volatile” that academic research associates with long‑term return differences. A neutral reading near 50% means the portfolio behaves a lot like the overall market on these dimensions, without strong tilts toward or away from any single factor. That’s beneficial for investors who don’t want to place big bets on a particular style, such as high dividend or deep value. It also means performance should primarily reflect broad market moves and sector tilts, rather than factor timing calls that can swing in and out of favor.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 45.00% 47.7% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 22.00% 30.7% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 23.00% 21.1% -
VIB Vermögen AG
Weight: 5.00% 0.3% -
Vanguard Total International Bond Index Fund ETF Shares
Weight: 5.00% 0.2%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the three main equity ETFs account for about 99.5% of total risk, with the tech ETF punching above its weight: 22% allocation but over 30% of risk. The bond ETF and the individual stock barely register in terms of volatility impact. This tells you that the real story is the mix between broad US, broad international, and concentrated tech exposure. If smoother behavior were desired, trimming the most volatile driver or increasing the stabilizing assets could realign risk, but any change would involve giving up some growth potential.
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, the current mix sits below the curve, with a Sharpe ratio of 0.62 versus 0.96 for the optimal combination using the same holdings. The Sharpe ratio measures return per unit of risk, like miles per gallon for a car. Being 2.65 percentage points below the frontier at the same risk level suggests the existing weights are not fully efficient. In plain terms, a different blend of these very same funds could target similar volatility with higher expected return, or similar return with lower risk. That’s actually encouraging: it means there’s potential improvement without changing the underlying building blocks.
Dividends
- Vanguard Total International Bond Index Fund ETF Shares 4.50%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard S&P 500 ETF 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- VIB Vermögen AG 0.10%
- Weighted yield (per year) 1.48%
The overall dividend yield is about 1.48%, which is modest and reflects the portfolio’s growth orientation. The international bond ETF and the global ex‑US stock ETF provide most of the income, while the tech fund and the individual stock contribute almost nothing in yield terms. Dividends can be an important component of total return, especially for those needing regular cash flow, but reinvesting them can also quietly boost compounding over time. Here, income is more of a side benefit than a core feature. This structure fits investors who care more about long‑term capital appreciation than about building a high, stable income stream from their holdings.
Ongoing product costs
- Vanguard Total International Bond Index Fund ETF Shares 0.07%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.05%
The total expense ratio (TER) is about 0.05%, which is impressively low by any standard. TER is the annual fee charged by funds, and even small differences compound significantly over long periods. Paying 0.05% instead of, say, 0.5% keeps more of the return in the investor’s pocket every single year. These ultra‑low costs are a real strength of the portfolio and line up well with best practices for long‑term investing. When performance is broadly driven by markets rather than stock picking, minimizing fees is one of the few levers within an investor’s control, and this setup already does that very effectively.
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