Focused global stock portfolio with strong US tilt and efficient growth oriented risk profile
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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VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 60.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 10.00%
This portfolio is a simple four‑ETF, 100% stock setup tilted toward US equities. About 60% sits in a broad US total market fund, 20% in broad international stocks, 10% in US small‑cap value, and 10% in semiconductors. That structure makes the core very diversified, with two deliberate “spice” positions to lean into smaller cheap companies and a high‑growth industry. A compact lineup like this is easy to understand and maintain. The key implication is that ups and downs will be almost entirely driven by the global stock market, with a noticeable extra kick from small caps and semis. Anyone using this structure should be comfortable with equity‑style volatility and multi‑year swings.
Growth
Historically, $1,000 grew to $2,712 from late 2019 to April 2026, a compound annual growth rate (CAGR) of 16.59%. CAGR is the “average yearly speed” over the whole period. That beat both the US market (14.62%) and global market (12.26%), which is a very strong outcome. Max drawdown was about -35%, a bit worse than the benchmarks but in the same ballpark, meaning you had to sit through a roughly one‑third drop in early 2020. Also, 90% of returns came from just 22 days, which shows how missing a few strong days can really hurt. Past performance is not a promise, but these numbers say the risk taken has been well rewarded so far.
Projection
The 15‑year Monte Carlo simulation uses past returns and volatility to create 1,000 random “what if” paths, like running alternate timelines based on history. The median outcome turns $1,000 into about $2,748, or roughly 8% a year, with a typical middle‑range from about $1,764 to $4,154. There’s around a 73% chance of a positive outcome, but also a non‑trivial tail where you end near or even below your starting value. These ranges highlight that even well‑designed stock portfolios can have wide result spreads. Simulations are only as good as the historical data and assumptions, so they’re a planning guide, not a crystal ball.
Asset classes
- Stocks 100%
Everything here is in stocks, with 0% in bonds, cash, or alternatives. That’s a classic “growth” profile: maximum exposure to economic upside but also full exposure to equity downturns. Asset class diversification (mixing in bonds or cash) is what usually smooths the ride and softens big drawdowns. Skipping that cushion means relying entirely on time horizon and personal risk tolerance to manage volatility. For someone with decades ahead and stable outside income, this can be perfectly reasonable. For anyone needing withdrawals or who dislikes large swings, this level of equity concentration may feel intense during bear markets, even if long‑term math still favors growth.
Sectors
- Technology 33%
- Financials 14%
- Industrials 11%
- Consumer Discretionary 10%
- Health Care 8%
- Telecommunications 7%
- Energy 5%
- Consumer Staples 5%
- Basic Materials 3%
- Real Estate 2%
- Utilities 2%
Sector‑wise, roughly a third is in technology, with the rest spread across financials, industrials, consumer discretionary, health care, telecom, energy, staples, materials, real estate, and utilities. That tech‑heavy tilt is amplified by the semiconductor ETF, which adds cyclical, high‑beta exposure on top of an already growth‑oriented US market. Compared with broad global benchmarks, this is noticeably more tech‑concentrated. The upside is strong participation when innovation and digital trends drive markets; the downside is sharper hits during rate spikes or periods when investors rotate into more defensive areas. It’s a conscious growth tilt that’s worked recently but can feel rough in tech corrections.
Regions
- North America 79%
- Europe Developed 8%
- Asia Developed 4%
- Japan 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 79% is in North America, with the rest split across developed Europe, Japan, other developed Asia, emerging Asia, and small slices of other regions. That’s more US‑tilted than a typical global market index, which usually has the US closer to 60%. The benefit is alignment with the world’s most dominant equity market and currency for a US‑based investor, reducing currency mismatch. The trade‑off is less exposure to other economies and potential growth drivers. This allocation is still broadly diversified worldwide, just skewed toward home bias and US leadership. It’s a common and reasonable stance but one worth being consciously comfortable with.
Market capitalization
- Mega-cap 38%
- Large-cap 29%
- Mid-cap 16%
- Small-cap 10%
- Micro-cap 6%
By market cap, the portfolio leans toward mega and large caps (about two‑thirds combined) while still having meaningful mid‑, small‑, and even micro‑cap exposure. That shape is close to the global market but slightly more tilted to the smaller end thanks to the dedicated small‑cap value ETF. Big companies tend to be more stable and liquid, while smaller ones can be more volatile but offer higher potential growth and diversification. This blend gives a familiar, benchmark‑like core with a deliberate dash of smaller businesses. It’s a nice balance between broad market behavior and extra return potential from less‑covered parts of the market.
True holdings
-
NV NVIDIA Corporation 5.66%
Part of fund(s):- VanEck Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 3.53%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.65%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.14%
Part of fund(s):- VanEck Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.83%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.64%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.30%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.28%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Taiwan Semiconductor Manufacturing 1.16%
Part of fund(s):- VanEck Semiconductor ETF
-
TS Tesla Inc 1.03%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 22.22%
Looking through ETF top holdings, exposure is clearly centered on mega‑cap growth names, with NVIDIA, Apple, Microsoft, Broadcom, Amazon, Alphabet, Meta, TSMC, and Tesla all showing up. Some appear via multiple funds, especially the broad US and semiconductor ETFs, which amplifies exposure to those names more than the fund count suggests. This is normal in modern equity portfolios but does create some hidden concentration: when big tech and chip leaders move, the whole portfolio really feels it. Because we only see ETF top‑10s, overlap is likely understated. The practical takeaway is that headline diversification across funds still hides a lot of shared underlying giants driving returns.
Factors
Factor exposure is very balanced across value, size, momentum, quality, yield, and low volatility, all sitting around the neutral 50% mark. Factors are basically the “personality traits” of stocks — things like cheapness, trend strength, or stability that explain performance differences over time. Here, there are no extreme tilts: the portfolio behaves much like the overall market from a factor standpoint, despite having a small‑cap value sleeve. That’s actually a strength for many investors, because it avoids heavy bets on any one style and keeps performance more benchmark‑like. Over long stretches, neutral factor exposure can reduce the risk of painful style whipsaws.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 60.00% 57.7% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 16.1% -
VanEck Semiconductor ETF
Weight: 10.00% 14.7% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 11.5%
Risk contribution shows how much each holding actually drives portfolio ups and downs, which can differ from raw weight. The broad US fund is 60% of capital and contributes about 58% of risk, so it pulls its fair share. The international ETF at 20% weight adds about 16% of risk, a bit less thanks to diversification. The standout is the semiconductor ETF: only 10% of the portfolio but almost 15% of total risk, reflecting its higher volatility. Small‑cap value is similar, slightly punching above its weight. Overall, the top three holdings account for almost 89% of risk, which is normal in a compact, equity‑only portfolio but worth recognizing.
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/return chart shows the current portfolio with a Sharpe ratio of 0.6, compared with 0.97 for the optimal mix and 0.57 for the minimum‑risk option. The Sharpe ratio measures return per unit of risk above a risk‑free rate — higher is better. Importantly, the portfolio sits on or very close to the efficient frontier, meaning that for this set of holdings, the current weighting is already highly efficient. Reweighting could chase even higher expected return, but would also mean much higher volatility. In practice, this says the trade‑off chosen — growth‑oriented but not maximally aggressive — is sensible and well‑balanced for its risk class.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.40%
- VanEck Semiconductor ETF 0.30%
- Vanguard Total Stock Market Index Fund ETF Shares 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- Weighted yield (per year) 1.49%
The overall dividend yield is about 1.49%, with the international fund providing the highest yield near 3%, the US total market around 1.2%, small‑cap value at 1.4%, and semiconductors very low at 0.3%. So this portfolio is clearly growth‑oriented rather than income‑focused. Dividends here are more of a nice bonus and a small contributor to total return, not the main event. For long‑term accumulators, reinvesting these dividends can steadily increase share count over time. For someone needing current income, this setup would likely require selling shares periodically rather than living primarily off dividends, which is a different psychological and planning experience.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- VanEck Semiconductor ETF 0.35%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.09%
Costs are impressively low: the weighted total expense ratio (TER) is about 0.09%. TER is the annual fee charged by funds as a percentage of assets. That’s well below what many actively managed or niche products charge and very competitive even within index investing. Keeping costs this low is a huge, quiet win; it means more of the portfolio’s return stays in your pocket every single year. Over decades, a difference of even 0.3–0.5 percentage points compounds into real money. From a cost perspective, this setup is genuinely best‑in‑class, strongly supporting long‑term performance and aligning with investing best practices.
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