This portfolio has only about 1.7 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.

Balanced global portfolio with strong quality tilt and recent tech driven gains over a short history

Report created on May 31, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is mostly a one-stop global stock fund, with a sizeable tech overlay and a few targeted tilts. About half sits in a broad world equity ETF, while the rest leans into US technology, small-cap value, US dividend stocks, a small global bond sleeve, and one single Alphabet position. This mix combines a diversified core with several “satellite” bets that can move differently from the core. Because the youngest holding sets the clock, there’s only about 1.7 years of shared history, so any patterns seen so far are still early impressions rather than long-term evidence. Structurally, though, the portfolio is clear: equity-heavy, growth-oriented, but with some value and income elements layered in.

Growth Info

Over the short 1.7‑year window, $1,000 grew to about $1,501, a compound annual growth rate (CAGR) of 26.25%. CAGR is like average speed on a road trip, smoothing out bumps along the way. That’s ahead of both the US market and global market CAGRs in this period, with similar maximum drawdowns around -19%. The portfolio fell from a peak in early 2025, took about two months to bottom, and roughly three months to recover. Just 14 trading days account for 90% of the gains, showing returns have been quite concentrated in a few strong days. With only 1.7 years of data, these strong results are encouraging but far too brief to call a lasting pattern.

Projection Info

The forward numbers come from a Monte Carlo simulation, which essentially “re-rolls the dice” on historical returns 1,000 times to see many possible futures. Here, the median projection turns $1,000 into about $2,722 after 15 years, with a wide but mostly positive range of outcomes. The average simulated annual return is 7.98%, and roughly three-quarters of scenarios end positive. Monte Carlo is useful for visualizing uncertainty, not for predicting a single precise outcome. Because all simulations are based on only 1.7 years of shared history—much shorter than a typical market cycle—these projections are especially fragile and should be treated as illustrative, not as a forecast.

Asset classes Info

  • Stocks
    95%
  • Bonds
    5%

Roughly 95% of this portfolio is in stocks, with about 5% in bonds. That’s clearly equity-led, which means returns are mainly driven by company earnings, valuations, and market sentiment rather than fixed income behavior. A small bond allocation can help smooth volatility a bit and provide some ballast during equity stress, but here it is intentionally modest. Compared with a broad global “balanced” mix, this is closer to an equity-dominant allocation that happens to include a bond sleeve rather than a true equity/bond split. With only 1.7 years of history, the exact size of the stabilizing effect from those bonds is hard to judge, but structurally they are a supporting role, not the main act.

Sectors Info

  • Technology
    37%
  • Financials
    11%
  • Telecommunications
    10%
  • Industrials
    9%
  • 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.

Sector-wise, technology stands out at about 37%, well above many broad global benchmarks where tech is lower. The rest is reasonably spread across financials, telecoms, industrials, consumer areas, health care, energy, and others, which helps avoid being completely tied to a single part of the economy. Tech-heavy portfolios can benefit strongly when innovation and growth stories are rewarded, but they also tend to swing more when rates rise or sentiment on high-growth names cools. That dynamic likely played a role in both the strong short-term performance and the notable drawdown. Over only 1.7 years, sector behavior can be dominated by short bursts, so it’s still too early to label any long-run sector pattern.

Regions Info

  • North America
    75%
  • Europe Developed
    7%
  • Japan
    4%
  • Asia Developed
    4%
  • Asia Emerging
    3%
  • Australasia
    1%
  • Latin America
    1%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about three-quarters of the portfolio is tied to North America, with the rest spread across Europe, Japan, other developed Asia, and emerging regions. This is more US-tilted than a typical “world” index, which usually allocates a smaller share to North America. A home-region tilt like this can benefit from strong domestic markets and familiar companies but also ties a lot of the outcome to one economy, one currency, and one policy environment. The diversification into other regions is present but clearly secondary. Over a 1.7‑year span, regional performance differences can look large or small largely by luck, so any apparent regional “winning streak” should be viewed cautiously.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    29%
  • Mid-cap
    14%
  • Small-cap
    9%
  • Micro-cap
    5%

This breakdown covers the equity portion of your portfolio only.

By market size, the portfolio leans toward mega- and large-cap companies, with smaller slices in mid-, small-, and micro-caps. This roughly mirrors global equity markets but with a bit more emphasis on the very largest firms plus a specific small-cap value ETF. Large and mega-caps are often more stable, widely followed businesses, while small and micro-caps can be more volatile but offer different growth or value characteristics. This combination mixes stability from the giants with some punch from smaller names. Over a 1.7‑year window, the behavior of small caps can be particularly jumpy, so any recent out- or underperformance of that sleeve shouldn’t be assumed to persist.

True holdings Info

  • NVIDIA Corporation
    5.96%
    Part of fund(s):
    • Global X Robotics & Artificial Intelligence ETF
    • VanEck Fabless Semiconductor ETF
    • VanEck Semiconductor ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
  • Alphabet Inc Class C
    5.32%
    Part of fund(s):
    • Vanguard Total World Stock Index Fund ETF Shares
    Direct holding 4.53%
  • Apple Inc
    4.09%
    Part of fund(s):
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
  • Microsoft Corporation
    2.94%
    Part of fund(s):
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
  • Vanguard Bond Index Funds - Vanguard Total Bond Market ETF
    2.34%
    Part of fund(s):
    • Vanguard Total World Bond ETF
  • Vanguard Charlotte Funds - Vanguard Total International Bond ETF
    2.19%
    Part of fund(s):
    • Vanguard Total World Bond ETF
  • Broadcom Inc
    2.01%
    Part of fund(s):
    • VanEck Fabless Semiconductor ETF
    • VanEck Semiconductor ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
  • Amazon.com Inc
    1.13%
    Part of fund(s):
    • Vanguard Total World Stock Index Fund ETF Shares
  • Alphabet Inc Class A
    1.06%
    Part of fund(s):
    • Global X Robotics & Artificial Intelligence ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Qualcomm Incorporated
    0.80%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
    • VanEck Fabless Semiconductor ETF
    • VanEck Semiconductor ETF
  • Top 10 total 27.84%

This breakdown covers the equity portion of your portfolio only.

Looking through to the top holdings across funds, a handful of big names—NVIDIA, Alphabet, Apple, Microsoft, Broadcom, Amazon—show up as meaningful exposures. NVIDIA alone totals about 5.96%, and Alphabet Class C reaches 5.32% when combining the direct position with ETF exposure. This creates some hidden clustering in large technology and communication names even though only part of it is visible from the surface weights. Overlap is likely understated because only ETF top‑10 holdings are included. This structure means the portfolio will be quite sensitive to how these big “anchor” companies perform. In a short 1.7-year history, their strong run heavily colors the overall performance picture.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 23%
Size
Exposure to smaller companies
Very low
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Very high
Data availability: 5%
Quality
Preference for financially healthy companies
Very high
Data availability: 5%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 98%

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 shows very high tilts toward momentum and quality, plus a high tilt toward value and a very low tilt to size. Factors are like traits—such as cheapness, recent performance, or balance-sheet strength—that help explain why some stocks behave differently from others. High quality and momentum tilts often mean exposure to profitable, stable companies that have been trending strongly, which can do well in persistent rallies but may feel sharper reversals when trends break. A very low size exposure suggests a bias toward larger companies overall. With only 1.7 years of data, these factor readings describe the current ingredients, but how they’ll play out across a full market cycle is still unknown.

Risk contribution Info

  • Vanguard Total World Stock Index Fund ETF Shares
    Weight: 50.18%
    45.7%
  • Vanguard Information Technology Index Fund ETF Shares
    Weight: 15.85%
    22.5%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 9.06%
    9.5%
  • Alphabet Inc Class C
    Weight: 4.53%
    5.2%
  • VanEck Semiconductor ETF
    Weight: 2.72%
    5.1%
  • Top 5 risk contribution 88.0%

Risk contribution measures how much each holding drives the portfolio’s ups and downs, which can differ a lot from its simple weight. Here, the broad world equity ETF, the tech ETF, and the small-cap value ETF together account for about 78% of total portfolio risk. The tech ETF in particular has a risk/weight ratio of 1.42, meaning it adds more volatility than its size alone would suggest. The semiconductor ETF has an even higher risk/weight ratio at 1.89, despite a small weight. This pattern shows that a few growth- and tech-oriented pieces are doing much of the “volatility heavy lifting.” Over a short 1.7-year span, those contributions may still shift as markets change.

Redundant positions Info

  • VanEck Fabless Semiconductor ETF
    VanEck Semiconductor ETF
    High correlation

Correlation looks at how closely different holdings tend to move together. When two assets are highly correlated, they often rise and fall in tandem, reducing diversification benefits. In this portfolio, the VanEck Semiconductor ETF and the VanEck Fabless Semiconductor ETF move almost identically, which makes sense because both focus on similar parts of the chip industry. That means they behave more like a single concentrated bet than two separate diversifying pieces. In a tech-driven market like the last 1.7 years, correlations within growth and semiconductor themes can be especially strong, so their combined impact on portfolio swings may be larger than their individual appearance suggests.

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 risk vs. return chart compares the current mix with what’s possible using only the existing holdings in different weights. The efficient frontier is the curve showing the best expected return at each risk level, and the Sharpe ratio measures return per unit of risk. The current portfolio Sharpe of 1.2 sits below both the maximum Sharpe portfolio (1.89) and below the frontier by about 9 percentage points at its risk level. That means, based on the recent 1.7-year data, there are combinations of the same holdings that would have delivered better risk-adjusted performance. Because the sample is so short and unusually strong, this gap might be overstated and may change as more history accumulates.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Vanguard Total World Bond ETF 4.20%
  • Global X Robotics & Artificial Intelligence ETF 0.60%
  • Alphabet Inc Class C 0.20%
  • Schwab U.S. Dividend Equity ETF 3.20%
  • VanEck Semiconductor ETF 0.20%
  • 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 portfolio’s overall yield is about 1.48%, coming from a mix of dividend-focused equities, broad world stocks, and a small bond allocation with a higher coupon. Yield is simply the cash income paid out each year relative to the investment value. Here, income is a secondary driver—most of the return profile is about price movement and growth rather than payouts. The dedicated US dividend ETF and the bond fund are the main regular cash contributors, while the more growthy tech and thematic ETFs provide little yield. Over only 1.7 years, dividend patterns don’t yet show a full cycle of increases, cuts, or reinvestment effects, so the long-run income story is still forming.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Vanguard Total World Bond ETF 0.05%
  • Global X Robotics & Artificial Intelligence ETF 0.68%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • VanEck Semiconductor ETF 0.35%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.11%

The portfolio’s total expense ratio (TER) is about 0.11%, which is impressively low, especially given the mix of broad and thematic ETFs. TER is the annual fee charged by the funds as a percentage of assets, quietly reducing returns in the background. Keeping it low leaves more of any gains in the investor’s pocket over time. Most holdings are ultra-low-cost index or bond funds, with just one higher-cost thematic ETF at 0.68% slightly lifting the average. Over many years, even small fee differences compound, so starting from a low-cost base like this is a genuine structural strength—one that doesn’t depend on the limited 1.7-year performance history.

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