Broad global index portfolio with strong US focus and simple low cost balanced structure
Report created on May 6, 2026Risk profile
4/7
Diversification profile
3/5
Positions
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VT Vanguard Total Stock Market Index Fund Admiral Shares
VTSAX - US9229087286 71.20% -
BN Vanguard Total Bond Market Index Fund ETF Shares
BND - US9219378356 14.90% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10.90% -
VB Vanguard Small-Cap Index Fund ETF Shares
VB - US9229087518 3.00%
This portfolio is built around four broad Vanguard index funds, with one core holding dominating. Over 70% sits in a total US stock fund, backed by roughly 11% in total international stocks, 3% in a dedicated US small-cap fund, and about 15% in a total US bond fund. So it’s basically “own almost every stock and bond” with a clear tilt toward US equities. This kind of structure is easy to understand and maintain because each piece is very diversified on its own. The main takeaway is that the portfolio’s behavior will largely mirror the ups and downs of the overall US stock market, softened by a relatively small bond cushion.
Growth
From mid‑2016 to April 2026, $1,000 in this portfolio grew to about $3,320, a compound annual growth rate (CAGR) of 12.81%. CAGR is like your average speed on a road trip, smoothing out all the bumps along the way. The steepest drop was about ‑31.5% during early 2020, with a quick one‑month fall and recovery within five months. Compared with benchmarks, it lagged the US market but slightly beat the global market. That makes sense for a mix that includes bonds, which usually lower both upside and downside. As always, past performance simply shows how this mix behaved; it doesn’t guarantee what comes next.
Projection
The Monte Carlo projection uses 1,000 simulations to imagine many possible 15‑year futures based on historical patterns. Think of it as rolling thousands of dice where each roll reflects different market paths. The median outcome is about $2,707 from $1,000, with a “middle” range around $1,808–$3,844 and wider possibilities from $1,115–$6,334. The average annual return across simulations is 7.51%, and roughly three‑quarters of paths end positive. These numbers aren’t predictions, just a way to visualize uncertainty: the same portfolio can produce very different outcomes depending on when good and bad years show up.
Asset classes
- Stocks 85%
- Bonds 15%
Asset‑class wise, the mix is roughly 85% stocks and 15% bonds. That’s a clearly equity‑heavy structure with a modest fixed‑income anchor. Stocks are the main growth engine but can swing sharply, while bonds tend to move less and often act as a stabilizer, especially when stock markets are stressed. Compared with many broad “balanced” blends that sit nearer 60/40, this one leans more toward growth and volatility. The 15% bond slice still helps cushion drawdowns, but the overall experience will feel much closer to an all‑equity portfolio than to a bond‑heavy conservative mix.
Sectors
- Technology 25%
- Financials 12%
- Industrials 9%
- Health Care 8%
- Telecommunications 7%
- Consumer Discretionary 7%
- Consumer Staples 4%
- Energy 4%
- Basic Materials 3%
- Real Estate 2%
- Utilities 2%
- Consumer Discretionary 1%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is fairly broad, with technology the largest slice at about 25%, followed by financials, industrials, health care, and others. This profile looks similar to major global equity benchmarks, where tech is also a leading sector. Tech‑heavy allocations can benefit strongly during periods of innovation and low interest rates, but they can also see sharper pullbacks when growth expectations or rates change. The rest of the sectors are spread in smaller but meaningful chunks, which helps avoid being overly tied to one specific part of the economy. Overall, the sector mix is well‑balanced and aligns closely with global standards.
Regions
- North America 75%
- Europe Developed 4%
- Japan 2%
- Asia Developed 2%
- Asia Emerging 2%
This breakdown covers the equity portion of your portfolio only.
Geographically, about 75% of equities are in North America, with only modest slices in developed Europe, Japan, and other Asian regions. That’s a clear US tilt, which matches the holdings list: a big US total market fund plus a smaller international fund. Over the last decade, US stocks have generally outperformed much of the rest of the world, which helped returns for US‑centered portfolios. The flip side is that economic and political events in one region dominate portfolio behavior. Relative to a truly global market weight, exposure outside North America is on the lighter side, so foreign markets play a secondary role here.
Market capitalization
- Mega-cap 34%
- Large-cap 26%
- Mid-cap 17%
- Small-cap 7%
- Micro-cap 2%
This breakdown covers the equity portion of your portfolio only.
Market‑cap exposure is anchored in larger companies: about 60% sits in mega‑ and large‑caps, with additional exposure to mid‑, small‑, and even micro‑caps. Large companies typically bring more stability and liquidity, while smaller firms can be more volatile but sometimes offer stronger growth spurts. The explicit small‑cap ETF plus the total market funds together create a healthy spread across company sizes. This broad market‑cap mix supports diversification within equities, so performance isn’t overly tied to either giant blue‑chip firms or tiny speculative names. Instead, it follows the overall market structure with a gentle lean toward the big end.
True holdings
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23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.38%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
SS Samsung Electronics Co Ltd 0.15%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
AS ASML Holding N.V. 0.14%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
07 Tencent Holdings Ltd 0.10%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
00 SK Hynix Inc 0.08%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
AZ AstraZeneca PLC 0.08%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
NO Novartis AG 0.08%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
RO Roche Holding AG 0.08%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
99 Alibaba Group Holding Ltd 0.08%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
HS HSBC Holdings PLC 0.08%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 1.23%
This breakdown covers the equity portion of your portfolio only.
The look‑through data only covers about 1.4% of the portfolio, since it’s based on ETF top‑10 holdings, so it gives just a small window into underlying stocks. Within that slice, there’s exposure to well‑known global names in technology, semiconductors, and health care. Some of these appear through the international equity ETF, but there’s no direct single‑stock position. Because coverage is so low, hidden overlap is likely higher in reality than shown, especially among large global companies that appear in multiple indices. Still, given the broad index approach, concentration in any one individual stock remains inherently limited.
Factors
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 exposures — value, size, momentum, quality, yield, and low volatility — all sit in the neutral band around 40–60%. Factors are like underlying “personality traits” of stocks that research links to long‑term return patterns. A neutral reading means the portfolio behaves much like the broad market on these dimensions, rather than leaning hard into any one style, such as deep value or high momentum. This is consistent with holding broad total‑market index funds. The result is a well‑balanced factor profile that avoids big style bets, so performance is mainly driven by overall market direction, not specialized factor tilts.
Risk contribution
-
Vanguard Total Stock Market Index Fund Admiral Shares
Weight: 71.20% 84.3% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 10.90% 10.7% -
Vanguard Small-Cap Index Fund ETF Shares
Weight: 3.00% 3.9% -
Vanguard Total Bond Market Index Fund ETF Shares
Weight: 14.90% 1.1%
Risk contribution shows how much each holding actually drives portfolio ups and downs, which can differ from its weight. Here, the total US stock fund is 71% of assets but contributes about 84% of total risk, meaning it’s more influential than its size alone suggests. The international equity fund and small‑cap ETF together add around 15% of risk, roughly in line with their combined weight. The bond fund is 15% of the portfolio but contributes only about 1% of risk, acting as a strong stabilizer. Overall, equity positions dominate volatility, while bonds play a disproportionately calming role.
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 shows the current portfolio sitting on or very near the frontier, which means its mix of expected return and risk is already efficient given these four holdings. The Sharpe ratio, a measure of return per unit of volatility, is 0.57 for the current allocation versus 0.78 for the maximum‑Sharpe mix and 0.25 for the minimum‑variance mix. Those other points represent trade‑offs: higher risk for potentially better risk‑adjusted returns, or much lower risk with lower expected return. Since the current point hugs the frontier, the existing weights are making good use of what’s already in the portfolio.
Dividends
- Vanguard Total Bond Market Index Fund ETF Shares 3.90%
- Vanguard Small-Cap Index Fund ETF Shares 1.20%
- Vanguard Total Stock Market Index Fund Admiral Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.69%
The overall dividend yield is about 1.69%, combining stock and bond income. Individual yields range from roughly 1.1% on US total stocks to 2.7% on international stocks and 3.9% on the bond fund. Dividends are the cash payments companies and bond issuers make along the way, separate from price changes. In this portfolio, income is meaningful but not dominant; most long‑term growth historically has come from capital appreciation. For many index investors, this kind of moderate yield is typical and can provide a small ongoing return stream that may help smooth the ride in years when price gains are modest.
Ongoing product costs
- Vanguard Total Bond Market Index Fund ETF Shares 0.03%
- Vanguard Small-Cap Index Fund ETF Shares 0.05%
- Vanguard Total Stock Market Index Fund Admiral Shares 0.04%
- 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 around 0.04%. TER, or total expense ratio, is the annual fee charged by each fund, taken directly out of returns. Paying 0.04% means just $0.40 per year on every $1,000 invested, which is far below the average for actively managed funds. Low costs matter because they compound in your favor: the less that’s skimmed off each year, the more of any market return you keep. This fee level is a strong positive feature of the portfolio and supports better long‑term performance compared with higher‑cost alternatives tracking similar markets.
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