Broad stock portfolio mixing total market exposure with income tilt and moderate risk profile

Report created on Apr 22, 2026

Risk 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

This portfolio is almost entirely in stocks, with four broad ETFs and one individual REIT making up the mix. The largest piece is a total US stock market ETF at 45%, paired with 25% in a total international ETF, so most of the structure follows simple, broad index building blocks. Around 27.5% is tilted toward income and dividends through a US dividend ETF, a Nasdaq option-income fund, and a standalone REIT. This kind of “core plus tilt” setup is common: a broad base aims to track overall markets, while the tilts nudge the behavior toward certain characteristics like income or lower volatility without abandoning diversification.

Growth Info

From May 2022 to April 2026, a hypothetical $1,000 in this portfolio grew to $1,621, which works out to a 13.07% compound annual growth rate (CAGR). CAGR is the “smoothed” yearly pace of growth, like averaging your speed over a road trip despite traffic. Over this stretch, the portfolio lagged both the US market and the global market by a bit more than 1% per year, but it also had a slightly smaller maximum drawdown at -16.44%. That shallower worst drop, and a full recovery within about four months, suggests the income and defensive elements helped cushion some of the downside while still capturing strong upside.

Projection Info

The Monte Carlo projection simulates many possible 15‑year paths based on how similar portfolios behaved in the past. Monte Carlo is basically a “what if” engine: it runs 1,000 random return paths using the historical ups and downs as a guide, then shows the range of outcomes. Here, the median scenario grows $1,000 to about $2,762, with a broad middle range from roughly $1,810 to $4,084. The very wide outer range, from around $1,005 to $7,589, underlines how uncertain long-term returns are. These are not promises; they simply show what’s been plausible given past volatility and returns.

Asset classes Info

  • Stocks
    99%
  • Not classified
    1%

Asset class exposure is extremely straightforward: 99% stocks and 1% not classified, with no meaningful bonds or cash in the mix. That stock-heavy stance explains why the portfolio’s risk score sits in the “balanced” middle range but still leans clearly toward growth and volatility compared with a stock/bond blend. Being almost all in equities means returns are closely tied to company earnings and stock market cycles, without the stabilizing influence that fixed income sometimes adds. The benefit is full participation in equity growth; the trade-off is living through stock market swings more directly.

Sectors Info

  • Technology
    26%
  • Financials
    13%
  • Health Care
    10%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Consumer Staples
    8%
  • Energy
    6%
  • Real Estate
    4%
  • Basic Materials
    3%
  • Utilities
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is fairly broad, with technology the largest at 26%, followed by financials, health care, and industrials all in the low double digits. This looks reasonably aligned with many global equity benchmarks where technology is a big but not overwhelming piece. The presence of energy, consumer staples, utilities, and real estate adds ballast from more defensive areas, while consumer discretionary and telecom add growth and communication-related exposure. Tech and communication names can be more sensitive to changes in interest rates and sentiment, so this mix may feel more volatile when growth stocks are in or out of favor, but it’s not an extreme single-sector bet.

Regions Info

  • North America
    77%
  • Europe Developed
    10%
  • Japan
    4%
  • Asia Developed
    4%
  • Asia Emerging
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 77% is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and smaller slices of emerging regions. This is a clear home bias toward the US and Canada, which is common for US-based portfolios and still roughly in line with some global benchmarks that are already US-heavy. The developed-market exposure outside North America adds diversification across currencies and economies, while the small allocations to emerging regions offer some growth potential and different economic drivers. This alignment with global patterns is helpful because it reduces the risk of being tied solely to one country’s fortunes.

Market capitalization Info

  • Large-cap
    41%
  • Mega-cap
    34%
  • Mid-cap
    17%
  • Small-cap
    4%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

By market capitalization, the portfolio leans firmly toward larger companies: about 75% combined in mega-cap and large-cap stocks, with smaller portions in mid, small, and micro caps. Larger companies often have more stable earnings and better access to financing, which can translate into smoother performance relative to tiny, more speculative firms. The presence of mid and small caps, though modest, means there is still some exposure to parts of the market that can grow faster but swing more. Overall, this creates a size profile broadly similar to a standard index fund, avoiding extreme tilts into either mega-giants or tiny niche names.

True holdings Info

  • NVIDIA Corporation
    3.67%
    Part of fund(s):
    • JPMorgan Nasdaq Equity Premium Income ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    3.29%
    Part of fund(s):
    • JPMorgan Nasdaq Equity Premium Income ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Realty Income Corporation
    2.50%
  • Microsoft Corporation
    2.49%
    Part of fund(s):
    • JPMorgan Nasdaq Equity Premium Income ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    1.90%
    Part of fund(s):
    • JPMorgan Nasdaq Equity Premium Income ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    1.51%
    Part of fund(s):
    • JPMorgan Nasdaq Equity Premium Income ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    1.32%
    Part of fund(s):
    • JPMorgan Nasdaq Equity Premium Income ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    1.24%
    Part of fund(s):
    • JPMorgan Nasdaq Equity Premium Income ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    1.20%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    1.01%
    Part of fund(s):
    • JPMorgan Nasdaq Equity Premium Income ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 20.12%

This breakdown covers the equity portion of your portfolio only.

Looking through the ETFs’ top holdings, familiar mega-cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, and Tesla appear, together making up a noticeable slice of the portfolio. Because these companies show up in multiple funds, there is some hidden concentration: when one of these big tech or growth names moves sharply, its effect is multiplied across the holdings. That said, top-10 data only covers about 30% of the portfolio, so overlap is likely understated and many smaller positions are diversified beyond these giants. Realty Income appears only as a standalone stock, so its impact is easy to see directly.

Factors Info

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

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 mostly near neutral, meaning the portfolio behaves broadly like the overall market on value, size, momentum, and quality. The two notable tilts are higher yield and higher low volatility. Factor exposure is like checking which “traits” your portfolio leans into; here, the mix favors stocks that pay more dividends and, on average, have historically been a bit less bumpy. The income ETFs and REIT help drive that yield tilt, while the option-income strategy and dividend focus likely contribute to the low-volatility profile. In practice, this can mean a smoother ride and more cash distributions, especially compared with a pure growth-heavy equity basket.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 45.00%
    50.7%
  • iShares Core MSCI Total International Stock ETF
    Weight: 25.00%
    23.8%
  • Schwab U.S. Dividend Equity ETF
    Weight: 17.50%
    14.2%
  • JPMorgan Nasdaq Equity Premium Income ETF
    Weight: 10.00%
    10.0%
  • Realty Income Corporation
    Weight: 2.50%
    1.3%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which isn’t always proportional to weight. The total US market ETF, at 45% weight, contributes about 51% of the risk, so it has a slightly outsized influence. The international and dividend ETFs contribute slightly less risk than their weights, while the Nasdaq income fund lines up almost one-for-one. Realty Income, despite being 2.5% of the portfolio, adds only about 1.3% of the risk, reflecting its relatively steadier behavior. With the top three holdings contributing nearly 89% of total risk, most of the portfolio’s volatility comes from those broad market 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 risk vs. return, or efficient frontier, chart compares this portfolio to the best possible mix of these same holdings. The efficient frontier is like a curve showing the highest return you could have gotten for each risk level just by shuffling the weights. Here, the current mix has a Sharpe ratio of 0.63 and sits about 1.31 percentage points below the frontier at its risk level, while the optimal mix reaches a Sharpe of 0.91. That suggests there is room, at least historically, to improve risk-adjusted returns using only these existing funds, without adding new investments, simply by changing the proportions.

Dividends Info

  • iShares Core MSCI Total International Stock ETF 3.00%
  • JPMorgan Nasdaq Equity Premium Income ETF 10.50%
  • Realty Income Corporation 5.10%
  • Schwab U.S. Dividend Equity ETF 3.40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Weighted yield (per year) 3.02%

The portfolio’s overall dividend yield is about 3.02%, which is higher than a plain broad US index thanks to the dividend ETF, the high-yield Nasdaq income fund, and Realty Income. Dividend yield is the annual cash payout relative to the portfolio value, like getting a paycheck from your investments. The double-digit yield on the Nasdaq income ETF reflects its option-writing strategy, while the REIT and dividend ETF contribute more traditional income. These cash flows can play a meaningful role in total return, especially when reinvested, but it’s worth remembering that unusually high yields can also come with trade-offs in growth or capital appreciation.

Ongoing product costs Info

  • iShares Core MSCI Total International Stock ETF 0.07%
  • JPMorgan Nasdaq Equity Premium Income ETF 0.35%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.08%

Costs are impressively low, with a blended total expense ratio (TER) of around 0.08% across the ETFs. TER is the annual fee charged by a fund, expressed as a percentage of the money you have invested, and it quietly chips away at returns over time. Here, the broad index funds are extremely cheap, and even the more complex Nasdaq income ETF is modestly priced compared with many active products. Keeping costs this low is a real strength because fees compound just like returns do. Over long periods, that small difference in expenses can translate into a noticeably higher portfolio value.

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