Diversified multi fund portfolio with balanced risk level and emphasis on broad stock and bond exposure

Report created on May 8, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is built mainly from diversified Vanguard mutual funds, with three large core positions doing most of the work. The target retirement 2035 fund and the Wellington balanced fund together make up about two thirds of the portfolio, with a total stock market fund adding another sizeable slice. Around ten percent sits in a Treasury money market fund, while the rest is spread across value, dividend, international, and a small legacy balanced fund. Using all‑in‑one funds as anchors simplifies management because each one is internally diversified across many holdings. The structure means most decisions about underlying mix are effectively delegated to those core funds, so the portfolio behaves a lot like a prepackaged balanced strategy with a few tilts around the edges.

Growth Info

From early 2019 to May 2026, $1,000 in this portfolio grew to about $2,108, a compound annual growth rate (CAGR) of 10.95%. CAGR is the “average speed” of growth per year, smoothing out ups and downs. That trails both the US market (16.48%) and the global market (13.68%) over this stretch. The portfolio’s worst peak‑to‑trough drop was about ‑26% during early 2020, shallower than the roughly ‑34% drawdowns in the benchmarks, and it recovered within five months. This pattern—lower return with slightly smaller drawdowns—is typical of balanced portfolios that hold bonds alongside stocks. As always, past performance just shows how it behaved in one period, not what it will do next.

Projection Info

The Monte Carlo projection looks at many possible futures using the past as a guide, rather than assuming one straight line. It runs 1,000 simulated paths for the portfolio over 15 years, randomly reordering and combining historical return patterns. In this simulation, $1,000 ends at a median of about $2,488, with most outcomes between roughly $1,825 and $3,470. The average annual return across all paths is 6.83%, and about three‑quarters of the runs finish above the starting value. This helps frame the range of potential results rather than a single forecast. Still, it’s limited: simulations rely on historical volatility and correlations, which can change, so the numbers are more like weather scenarios than a guarantee.

Asset classes Info

  • Stocks
    68%
  • Bonds
    22%
  • No data
    10%

On an asset class level, about 68% of the portfolio is in stocks and 22% in bonds, with 10% classified as “no data.” That puts the overall mix in typical “balanced” territory, where growth assets dominate but there is a meaningful stabilizing bond component. Stocks tend to drive long‑term returns but also most of the volatility, while bonds usually help dampen swings and cushion drawdowns, especially in equity sell‑offs. Compared with simple 60/40 stock‑bond frameworks, this portfolio is slightly more equity‑tilted, which lines up with its 4/7 risk score. The presence of a Treasury money market fund adds an extra layer of short‑term stability and liquidity, though it also lowers overall growth potential versus being fully invested in risk assets.

Sectors Info

  • Technology
    25%
  • Financials
    13%
  • Industrials
    10%
  • Health Care
    9%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    3%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is spread across the economy, with the largest share in technology at 25%, followed by financials, industrials, health care, and consumer‑related areas. This tech weight is meaningful but not extreme compared with broad equity benchmarks, which have also become tech‑heavy in recent years. A balanced spread across sectors helps reduce the impact if one industry goes through a rough patch, because other areas—like consumer staples, utilities, or health care—often behave differently over the cycle. The portfolio’s smaller allocations to energy, real estate, and basic materials mean it is less tied to commodity cycles. Overall, the sector mix is well‑balanced and aligns closely with broad market standards, which is a positive sign for diversification.

Regions Info

  • North America
    72%
  • Europe Developed
    8%
  • Asia Developed
    3%
  • Japan
    3%
  • Asia Emerging
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 72% of the equity exposure is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and smaller slices in emerging regions and Australasia. This creates a clear home‑country tilt toward the US and Canadian markets, which is very common for US‑based portfolios and has been rewarded over the last decade. Global benchmarks typically have the US closer to 60% of world equity value, so this portfolio is somewhat more concentrated there. The added exposure to Europe, Japan, and emerging markets still provides meaningful global diversification, helping reduce reliance on a single economy and policy regime. Currency moves outside the dollar can also add or subtract from returns in those non‑US regions over time.

Market capitalization Info

  • Mega-cap
    28%
  • Large-cap
    22%
  • Mid-cap
    13%
  • Small-cap
    3%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

By market capitalization, the portfolio leans toward bigger companies, with mega‑ and large‑caps making up about half of the equity exposure. Mid‑caps add another meaningful slice, while small‑ and micro‑caps are present but modest. Larger companies often have more stable earnings, broader diversification within their own businesses, and deeper trading liquidity, which can translate into smoother price behavior. Smaller companies, while more volatile, can sometimes offer different growth dynamics. This size mix is broadly similar to many total market indices, which naturally weight stocks by their market value. The structure means the portfolio tends to move in line with the big, familiar names that dominate global indexes, while still having some exposure to the smaller end of the market.

True holdings Info

  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.04%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Samsung Electronics Co Ltd
    0.01%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • ASML Holding N.V.
    0.01%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Tencent Holdings Ltd
    0.01%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • SK Hynix Inc
    0.01%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • AstraZeneca PLC
    0.01%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Novartis AG
    0.01%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Roche Holding AG
    0.01%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Alibaba Group Holding Ltd
    0.01%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • HSBC Holdings PLC
    0.01%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Top 10 total 0.12%

This breakdown covers the equity portion of your portfolio only.

Look‑through data is very limited here: only about 0.1% of the portfolio’s value is covered by the ETF top‑10 holdings, so overlap numbers are effectively a tiny sample. The few names that do show up—large global companies like Taiwan Semiconductor, Samsung, and ASML—each represent around 0.01–0.04% of the portfolio. That’s too small to drive behavior on their own. Because almost everything is held through broad mutual funds whose detailed positions aren’t listed in this dataset, any real overlap between funds is mostly hidden from view. In practice, major index holdings will appear in several funds, so there is likely some concentration in the very largest global companies, but it’s embedded inside highly diversified vehicles.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 90%
Size
Exposure to smaller companies
Neutral
Data availability: 90%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 90%
Quality
Preference for financially healthy companies
Neutral
Data availability: 90%
Yield
Preference for dividend-paying stocks
Low
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 90%

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 generally balanced, with value, size, momentum, and quality all sitting close to neutral, meaning the portfolio behaves broadly like the overall market on those dimensions. Factor exposure is like checking which “traits” your holdings share—such as cheap vs. expensive (value) or steady vs. jumpy (low volatility). The most notable tilt here is toward low volatility at 78%, a mild lean toward more stable stocks that historically have smaller price swings. There is also a mild tilt away from yield at 31%, so compared with pure high‑dividend strategies, this isn’t especially income‑focused at the stock level. Overall, this factor profile suggests market‑like behavior with a preference for steadier names rather than aggressively chasing either deep value or high momentum.

Risk contribution Info

  • VANGUARD TARGET RETIREMENT 2035 FUND INVESTOR SHARES
    Weight: 39.14%
    39.8%
  • Vanguard Total Stock Market Index Fund Admiral Shares
    Weight: 16.62%
    25.2%
  • VANGUARD WELLINGTON FUND ADMIRAL SHARES
    Weight: 24.97%
    23.7%
  • VANGUARD VALUE INDEX FUND ADMIRAL SHARES
    Weight: 3.26%
    4.2%
  • TIAA-CREF S&P 500 INDEX FUND RETIREMENT CLASS
    Weight: 1.43%
    2.0%
  • Top 5 risk contribution 94.9%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. Here, the top three funds—the target retirement 2035, Wellington, and total stock market—account for about 81% of the portfolio by weight but almost 89% of its total risk. The total stock market fund, at 16.6% weight, contributes 25.2% of risk, meaning it is punchier than its size alone suggests. In contrast, the Wellington fund’s risk share is slightly below its weight, reflecting its bond exposure and more balanced approach. Smaller satellite positions each add only a few percent of overall risk. This pattern is typical of a core‑satellite design where a few main funds set the tone for volatility.

Redundant positions Info

  • VANGUARD WELLINGTON FUND ADMIRAL SHARES
    VANGUARD TARGET RETIREMENT 2035 FUND INVESTOR SHARES
    VANGUARD STAR FUND VANGUARD STAR FUND
    Vanguard Total Stock Market Index Fund Admiral Shares
    High correlation
  • VANGUARD VALUE INDEX FUND ADMIRAL SHARES
    Vanguard High Dividend Yield Index Fund Admiral
    High correlation
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES
    Vanguard Total International Stock Index Fund ETF Shares
    High correlation

The correlation data highlights pairs of funds that move almost identically, such as the total stock market fund with both the target retirement fund and the Wellington fund. Correlation measures how similarly two investments move; highly correlated pairs don’t give much diversification between each other during big market moves. For example, seeing the target retirement 2035 and Wellington funds as strongly linked suggests their equity sleeves are quite similar, even though their stock‑bond splits differ. Likewise, the value index and high dividend fund behaving closely means they probably lean into similar types of companies. These high correlations don’t make the portfolio flawed, but they do explain why adding more funds doesn’t always bring a lot of extra diversification if they track the same underlying markets.

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 compares the current mix with other possible weightings of the same holdings. The portfolio’s Sharpe ratio—a measure of return per unit of risk—comes in at 0.53 with about 11% expected return and 13.17% volatility, using a 4% risk‑free rate. The “optimal” combination of these same funds has a higher Sharpe of 0.84 but also notably higher risk at about 19.5% volatility. The report notes that the current portfolio sits on or very near the efficient frontier, meaning that for its chosen risk level, it’s using this set of holdings effectively. In plain terms, within this menu of funds, the existing allocation already offers a solid balance between risk and expected return without obvious inefficiencies.

Dividends Info

  • VANGUARD STAR FUND VANGUARD STAR FUND 8.80%
  • Vanguard High Dividend Yield Index Fund Admiral 2.20%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES 2.70%
  • Vanguard Total Stock Market Index Fund Admiral Shares 1.00%
  • VANGUARD TARGET RETIREMENT 2035 FUND INVESTOR SHARES 2.80%
  • Vanguard Treasury Money Market Fund 3.60%
  • VANGUARD VALUE INDEX FUND ADMIRAL SHARES 1.90%
  • VANGUARD WELLINGTON FUND ADMIRAL SHARES 11.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 4.68%

The portfolio’s total indicated yield is about 4.68%, combining distributions from both stock and bond holdings. Yield measures how much cash flow the portfolio pays out each year as a percentage of its value, mainly through dividends and interest. Some funds show very high current yields—like the Wellington and STAR funds—because they include income from bonds and possibly realized gains in their distributions. Others, like the high dividend and value index funds, add a more traditional equity income flavor. This level of yield can be a meaningful part of total return over time, especially when reinvested, but it’s worth remembering that yields can fluctuate from year to year and do not guarantee future income at the same rate.

Ongoing product costs Info

  • TIAA-CREF S&P 500 INDEX FUND RETIREMENT CLASS 0.30%
  • VANGUARD STAR FUND VANGUARD STAR FUND 0.29%
  • Vanguard High Dividend Yield Index Fund Admiral 0.08%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES 0.09%
  • Vanguard Total Stock Market Index Fund Admiral Shares 0.04%
  • VANGUARD TARGET RETIREMENT 2035 FUND INVESTOR SHARES 0.08%
  • Vanguard Treasury Money Market Fund 0.08%
  • VANGUARD VALUE INDEX FUND ADMIRAL SHARES 0.05%
  • VANGUARD WELLINGTON FUND ADMIRAL SHARES 0.16%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.10%

Costs across the portfolio are impressively low, with a total expense ratio (TER) around 0.10%. TER is the annual fee charged by funds as a percentage of the amount invested, quietly deducted inside the fund. Most holdings sit well below 0.20%, and several core index and money market funds charge around 0.04–0.08%, which is very competitive by industry standards. Keeping fees low is important because costs compound in the same way returns do—every fraction of a percent saved each year leaves more money working for growth. This cost profile is a clear strength: the structure is doing what it should by delivering broad diversification and professional management without taking a big cut in ongoing expenses.

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