Broad global stock core with modest bond cushion and efficient low cost structure

Report created on Apr 20, 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

The portfolio is built around a simple structure: 80% in stocks and 20% split between bonds and cash-like exposure. The biggest piece is a 60% allocation to a broad US stock fund, paired with 20% in international stocks. A 10% slice in a total bond fund and 10% in an iShares income-style ETF add stability and yield. This mix creates a classic “growth with a cushion” profile, where most of the engine comes from equities while bonds and cash temper the ride. The overall setup is clean, easy to understand, and avoids niche or complex products, which often helps with transparency and long-term tracking of results.

Growth Info

From mid‑2020 to April 2026, $1,000 in this portfolio grew to about $2,153, a compound annual growth rate (CAGR) of 13.97%. CAGR is like average speed on a long road trip: it smooths out all the bumps into one yearly number. Over this period, the portfolio trailed both the US market (17.02%) and global market (15.18%) but experienced a slightly smaller worst drop than both. Its max drawdown of about -23% reflects real but manageable swings. The recovery from the 2022 peak-to-trough period took 14 months, showing that while downturns can be uncomfortable, this mix historically bounced back within a couple of years.

Projection Info

The Monte Carlo projection looks at many possible futures by randomly reordering returns based on history. Think of it as running the next 15 years 1,000 different ways to see a range of outcomes, not a single prediction. The median path turns $1,000 into about $2,676, with most simulations landing between roughly $1,900 and $3,700. The wide possible band, from about $1,100 to nearly $6,000, highlights how uncertain markets can be even with the same starting portfolio. The average simulated annual return of 7.3% is lower than the recent historical figure, reminding that past strong periods may not repeat in the same way.

Asset classes Info

  • Stocks
    80%
  • Cash
    10%
  • Bonds
    10%

Across asset classes, 80% in stocks with 10% in bonds and 10% in cash-like exposure creates a growth-leaning but not all‑equity profile. Stocks are the main driver of long-term returns and volatility, while bonds and cash typically help dampen big swings and provide income. Compared with a pure equity benchmark, this allocation would usually show slightly lower highs and slightly softer lows. The presence of both bonds and cash also offers some flexibility during market stress, since those parts tend to move differently than stocks over many environments, even if not in every single downturn. Overall, this balance aligns well with what many consider a broadly diversified “balanced” stance.

Sectors Info

  • Technology
    23%
  • Financials
    12%
  • Cash
    10%
  • Industrials
    8%
  • Consumer Discretionary
    8%
  • Health Care
    7%
  • Telecommunications
    7%
  • Consumer Staples
    4%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is spread across many areas, with technology as the largest slice at 23%, followed by financials at 12% and several mid‑single‑digit allocations in industrials, consumer sectors, health care, communications, and others. This looks quite similar to broad global benchmarks, where technology is also the biggest piece but not overwhelmingly dominant. A tech‑tilt can add growth potential but often comes with higher sensitivity to interest rates and economic sentiment. The presence of more defensive sectors like consumer staples, utilities, and health care—while smaller—helps smooth things out when growth areas struggle. Overall, this sector mix is well-balanced and aligns closely with global standards.

Regions Info

  • North America
    61%
  • Cash
    10%
  • Europe Developed
    8%
  • Japan
    3%
  • Asia Developed
    3%
  • Asia Emerging
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 61% is in North America, with the rest spread across Europe, Japan, other developed Asia, emerging Asia, Australasia, and Africa/Middle East. This means the portfolio has a meaningful home bias toward the US and Canada, which is common and roughly in line with global market weights where North America also dominates. The international allocation, however, is still substantial, giving exposure to different economies, currencies, and policy environments. That kind of spread can help when one region faces a slowdown or policy shock. The dedicated cash slice sits outside these regions and doesn’t add geographic risk, but it also doesn’t participate in equity growth.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    27%
  • Mid-cap
    14%
  • Small-cap
    1%

This breakdown covers the equity portion of your portfolio only.

By market capitalization, the portfolio leans strongly toward mega‑cap and large‑cap companies, which together make up about 64% of the equity exposure. Mid‑caps add 14%, and small‑caps just 1%. Large and mega companies are often more stable and widely followed, sometimes leading to smoother earnings patterns and better liquidity. Smaller companies, while only a tiny piece here, can behave differently across cycles and occasionally provide an extra growth kicker but with more volatility. Because the heavy tilt is toward big, established firms, the portfolio’s stock behavior is likely to feel similar to broad mainstream equity indices rather than more niche or speculative segments of the market.

True holdings Info

  • NVIDIA Corporation
    4.55%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Apple Inc
    4.00%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    2.95%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    2.18%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    1.79%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    1.57%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    1.44%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Meta Platforms Inc.
    1.34%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Tesla Inc
    1.12%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
  • Berkshire Hathaway Inc
    0.94%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Top 10 total 21.89%

Looking through the ETFs, several of the same giant companies show up repeatedly: NVIDIA, Apple, Microsoft, Amazon, Alphabet (both share classes), Broadcom, Meta, Tesla, and Berkshire Hathaway. Together, the top ten names account for noticeable underlying exposure, even though none is held directly. Because overlap is calculated using only ETF top‑10s, actual concentration is likely somewhat higher than shown. This kind of “hidden” overlap is normal in index-heavy portfolios but means a handful of mega‑cap names have an outsized influence on returns. When these companies do well, the portfolio tends to benefit strongly; when they stumble, the effect can be felt across multiple funds at once.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 80%
Size
Exposure to smaller companies
Neutral
Data availability: 80%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 80%
Quality
Preference for financially healthy companies
Neutral
Data availability: 80%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
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 across value, size, momentum, quality, yield, and low volatility sits in a neutral band for every factor. Factors are like personality traits of stocks—such as being cheap (value) or stable (low volatility)—that research has linked to long-term returns. Neutral readings mean the portfolio behaves broadly like the overall market rather than making strong bets on any single trait. For example, there’s no clear tilt toward high‑dividend payers or tiny companies. This can be helpful for investors who prefer market‑like behavior and don’t want performance heavily tied to whether a particular style, such as value or momentum, is in or out of favor at any given time.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 60.00%
    77.1%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 20.00%
    21.9%
  • Vanguard Total Bond Market Index Fund ETF Shares
    Weight: 10.00%
    1.0%
  • iShares Trust
    Weight: 10.00%
    0.0%

Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ from simple weights. Here, the 60% US equity fund contributes about 77% of total risk, more than its weight, while the 20% international fund contributes roughly 22%. In contrast, the 10% bond fund adds only about 1% of risk, and the iShares income ETF effectively adds none in the model. This tells us that almost all the portfolio’s volatility comes from the two stock funds, particularly the US one. The bonds and income ETF mostly serve as stabilizers and income sources rather than major return drivers in terms of day‑to‑day swings.

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 places this portfolio right on or very near the frontier, meaning that for its given holdings and risk level, the mix is already using them efficiently. The Sharpe ratio, which measures return per unit of risk, is 0.72 for the current mix and 0.96 for the maximum‑Sharpe combination using the same ingredients. The optimal setup would take more risk for more expected return, while the minimum‑variance point would almost eliminate volatility but with very low expected return. Since the existing allocation sits close to the frontier, it indicates a well‑balanced risk/return trade‑off without obvious inefficiencies in how the current holdings are combined.

Dividends Info

  • Vanguard Total Bond Market Index Fund ETF Shares 3.90%
  • iShares Trust 3.90%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 2.00%

On the income side, the overall portfolio yield is about 2.0% per year. The bond fund and the iShares income ETF are the main contributors, both around 3.9%, while the US and international equity funds yield roughly 1.1% and 2.8% respectively. Dividends and bond interest can play an important role in total return, especially during periods when price gains are modest. In this mix, income is meaningful but not dominant; capital growth from stocks is still the main driver over time. The combination of equity and fixed‑income yields creates a steady baseline of cash flow that can help offset volatility in market prices.

Ongoing product costs Info

  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • iShares Trust 0.07%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.04%

Costs are impressively low, with a total expense ratio (TER) around 0.04%. TER is the annual percentage fee the funds charge to run the strategy—like a small ongoing service cost. For context, many actively managed funds charge several times this level. Keeping fees this low means more of the portfolio’s gross return stays in the investor’s pocket year after year. Over long horizons, even a fraction of a percent can compound into a meaningful difference in ending wealth. This cost structure is very well-aligned with best practices and supports better long-term performance potential relative to higher-cost alternatives tracking similar markets.

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