Broad global equity portfolio with short term bonds and a tilt to thematic and silver exposures

Report created on Jun 3, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio combines broad building blocks with focused satellite positions. Around a third sits in two large index funds covering US large caps and international stocks, and just under a fifth is in short‑term US Treasuries. The rest is spread across regional equity ETFs, growth and value small/mid caps, thematic technology funds, clean energy, silver miners, and two silver vehicles. Structurally, this is a classic “core and satellite” setup: broad, low‑cost core funds provide the base, while smaller targeted positions add specific themes and regions. That mix can create a good balance between diversification and expression of particular views, while still keeping any single niche exposure relatively contained by weight.

Growth Info

One or more local-currency benchmark funds are unavailable for this report.

From mid‑2019 to mid‑2026, $1,000 in this portfolio grew to about $2,615. That translates into a compound annual growth rate (CAGR) of 14.83%, which is roughly 1 percentage point per year above the global equity benchmark over the same period. CAGR is like average speed on a long road trip: it smooths out all the ups and downs. The largest peak‑to‑trough drop, or max drawdown, was about ‑30% during early 2020, slightly less severe than the benchmark’s ‑33%. This indicates the portfolio participated in market shocks but with somewhat cushioned downside. As always, this strong historical result doesn’t guarantee similar performance in future markets.

Projection Info

The Monte Carlo projection uses past return and volatility patterns to simulate many possible future paths for the portfolio. Think of it as running 1,000 alternate timelines, each with different market wiggles, to see a range of outcomes for a $1,000 starting amount over 15 years. The median result lands around $2,618, while a central “likely” band spans roughly $1,842 to $3,800. In more extreme but still plausible cases, outcomes range from about $1,128 to $6,070. The overall average simulated annual return is 7.44%. These numbers are not promises; they’re statistical what‑ifs based on history, and real‑world markets can behave very differently, especially around rare shocks.

Asset classes Info

  • Stocks
    80%
  • Bonds
    18%
  • Other
    2%

By asset class, about 80% of the portfolio is in stocks, 18% in bonds, and around 2% in “other” (mainly silver). This lines up with a “balanced but growth‑oriented” profile: equities are still the main engine for long‑term return, while the bond slice offers some stability, especially as it’s in short‑term Treasuries. Short‑term government bonds typically move less than stocks and can act a bit like a shock absorber during market stress. The small “other” bucket introduces an additional return stream that doesn’t always move with either stocks or bonds. Overall, the mix shows a clear tilt toward growth potential while keeping a material, though not dominant, stabilizing component.

Sectors Info

  • Technology
    22%
  • Financials
    15%
  • Industrials
    11%
  • Basic Materials
    9%
  • Consumer Discretionary
    5%
  • Health Care
    5%
  • Telecommunications
    4%
  • Consumer Staples
    3%
  • Utilities
    3%
  • Energy
    3%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is broad, with notable tilts. Technology is the largest slice at 22%, boosted by dedicated semiconductor and cybersecurity ETFs, plus growth‑oriented funds. Financials at 15% and industrials at 11% also play big roles, while basic materials at 9% are elevated by silver and miners. Remaining sectors such as consumer, health care, utilities, energy, and real estate are present at modest levels, which helps avoid over‑reliance on any one economic area. A tech‑ and materials‑heavy lineup can be more sensitive to rate changes, innovation cycles, and commodity swings. Relative to many broad benchmarks, this structure leans a bit more into cyclical and innovation‑driven business models.

Regions Info

  • North America
    45%
  • Europe Developed
    11%
  • Asia Emerging
    8%
  • Australasia
    6%
  • Latin America
    4%
  • Asia Developed
    3%
  • Japan
    2%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, the portfolio is anchored in North America at 45%, but has meaningful diversification beyond it. Europe developed sits at 11%, Australasia 6%, and a mix of emerging regions (Asia emerging 8%, Latin America 4%, Africa/Middle East 1%) round out a broad global footprint. Japan and other developed Asia add another 5% combined. Compared with market‑cap weighted global indexes, North America is still the largest piece but not overwhelmingly dominant, which is a healthy sign for diversification. The explicit single‑country funds in Indonesia, Ireland, Peru, and Australia also introduce local economic and currency dynamics that can differ from US and global patterns.

Market capitalization Info

  • Large-cap
    26%
  • Mega-cap
    22%
  • Mid-cap
    20%
  • Small-cap
    9%
  • Micro-cap
    3%

This breakdown covers the equity portion of your portfolio only.

Market capitalization is spread across the size spectrum: about 48% in mega‑ and large‑caps, 20% in mid‑caps, 9% in small‑caps, and a modest 3% in micro‑caps. Large and mega companies tend to be more established and liquid, often helping smooth out some volatility. Mid‑caps and small‑caps can offer more growth potential but usually bounce around more in both directions. This blend suggests a roughly market‑like bias with a mild extra dose of mid‑cap exposure, reflecting the dedicated mid‑cap and small‑cap funds. Having all size buckets present helps the portfolio capture different parts of the corporate life cycle, from mature giants to up‑and‑coming businesses.

True holdings Info

  • NVIDIA Corporation
    1.63%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • iShares Semiconductor ETF
  • Sprott Physical Silver
    1.50%
  • Southern Copper Corporation
    1.18%
    Part of fund(s):
    • iShares MSCI Peru ETF
  • Credicorp Ltd
    1.14%
    Part of fund(s):
    • iShares MSCI Peru ETF
  • Apple Inc
    1.10%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    0.89%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • iShares Semiconductor ETF
  • AIB Group PLC
    0.84%
    Part of fund(s):
    • iShares MSCI Ireland ETF
  • Microsoft Corporation
    0.83%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • BHP Group Ltd
    0.78%
    Part of fund(s):
    • iShares MSCI Australia ETF
  • Bank of Ireland Group PLC
    0.77%
    Part of fund(s):
    • iShares MSCI Ireland ETF
  • Top 10 total 10.66%

This breakdown covers the equity portion of your portfolio only.

Looking through ETF top‑10 holdings, the biggest single underlying name is NVIDIA at around 1.63% of the overall portfolio, followed by Sprott Physical Silver at 1.50% and a mix of companies like Southern Copper, Credicorp, Apple, and Broadcom, each under 1.2%. No single stock dominates, which limits idiosyncratic company‑specific risk. There is some overlap in large tech names across multiple funds, but it remains moderate by weight. It’s worth keeping in mind that coverage is only about a third of total holdings, since many ETF positions sit outside the top‑10 lists. That means hidden overlap is likely understated but still appears reasonably diversified at the top level.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 59%
Size
Exposure to smaller companies
Neutral
Data availability: 81%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 59%
Quality
Preference for financially healthy companies
Neutral
Data availability: 57%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 99%
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 balanced, with value, size, momentum, quality, and yield all sitting near neutral levels. In factor terms, “neutral” means the portfolio behaves roughly like the broad market on that characteristic, without a strong lean toward cheap, fast‑rising, high‑yield, or smaller stocks. The one notable tilt is toward low volatility, with a score of 62%. Low volatility exposure means the holdings overall tend to be a bit steadier than the market, historically swinging less during big moves. That’s consistent with the presence of short‑term Treasuries and some defensive, dividend‑paying parts of the equity side, and it can help explain the slightly milder drawdown relative to the benchmark.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 17.00%
    19.1%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 15.00%
    16.0%
  • iShares Semiconductor ETF
    Weight: 5.00%
    9.3%
  • iShares Global Clean Energy ETF
    Weight: 5.00%
    7.1%
  • iShares MSCI Australia ETF
    Weight: 5.00%
    6.8%
  • Top 5 risk contribution 58.3%

Risk contribution measures how much each holding adds to the portfolio’s overall ups and downs, which can be quite different from its weight. Here, the Vanguard S&P 500 ETF and Vanguard Total International Stock ETF together make up 32% by weight but about 35% of risk, so they contribute roughly in line with size. More interesting are the satellites: the 5% iShares Semiconductor ETF contributes over 9% of total risk, and the 5% Global Clean Energy and 5% Australia ETFs also punch above weight. This shows that a few relatively small, more volatile holdings are meaningful drivers of overall risk, even though they don’t dominate the allocation pie chart.

Redundant positions Info

  • iShares Silver Trust
    Sprott Physical Silver
    High correlation
  • Vanguard Mid-Cap Growth Index Fund ETF Shares
    Vanguard Small-Cap Growth Index Fund ETF Shares
    High correlation

Historical correlations highlight a couple of pairs that move almost in lockstep. The two silver vehicles, Sprott Physical Silver and iShares Silver Trust, are effectively tied to the same underlying metal, so their prices tend to track each other very closely. Likewise, the Vanguard Small‑Cap Growth and Vanguard Mid‑Cap Growth ETFs show very similar behavior, reflecting overlapping growth‑oriented US equities. High correlation isn’t inherently bad; it just means those positions won’t diversify each other much during big moves. Their main diversification benefit comes from how they differ from other parts of the portfolio, such as bonds or non‑growth equity segments, rather than from each other.

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.

On the risk‑return chart, the current portfolio sits below the efficient frontier by about 7 percentage points at its current risk level. The efficient frontier is the curve showing the best achievable return for each risk level using only these holdings but with different weightings. A Sharpe ratio of 0.6 for the current mix versus 1.19 for the optimal point suggests the same ingredients could be blended differently for better risk‑adjusted returns, without adding new funds. The minimum‑variance version, with very low risk and return, shows the other extreme. This doesn’t mean the current allocation is “wrong,” only that there’s room, in theory, for more efficiency within the existing menu.

Dividends Info

  • iShares MSCI Indonesia ETF 5.20%
  • iShares MSCI Ireland ETF 2.60%
  • iShares MSCI Peru ETF 1.40%
  • iShares MSCI Australia ETF 2.90%
  • SPDR S&P Kensho Future Security 0.10%
  • iShares Global Clean Energy ETF 1.10%
  • iShares Cybersecurity and Tech ETF 0.10%
  • iShares MSCI Global Silver and Metals Miners ETF 1.70%
  • iShares Semiconductor ETF 0.30%
  • Vanguard Small-Cap Growth Index Fund ETF Shares 0.40%
  • Vanguard Small-Cap Value Index Fund ETF Shares 1.80%
  • Vanguard Short-Term Treasury Index Fund ETF Shares 3.90%
  • Vanguard S&P 500 ETF 1.00%
  • Vanguard Mid-Cap Growth Index Fund ETF Shares 0.60%
  • Vanguard Total International Stock Index Fund ETF Shares 2.60%
  • Weighted yield (per year) 2.06%

The weighted dividend yield across the portfolio is about 2.06%. That income stream comes from a mix of sources: higher‑yielding emerging markets like Indonesia, moderate yields from Ireland, Australia, and international broad funds, and a solid 3.9% from short‑term Treasuries. Growth‑oriented and thematic tech funds mostly yield very little, which is common, as those companies often reinvest profits instead of paying them out. Dividends can be a meaningful part of total return over time, especially when reinvested, even if they don’t look dramatic year to year. Here, the yield profile strikes a middle ground: some income support, but with clear emphasis on capital growth.

Ongoing product costs Info

  • iShares MSCI Indonesia ETF 0.59%
  • iShares MSCI Ireland ETF 0.50%
  • iShares MSCI Peru ETF 0.59%
  • iShares MSCI Australia ETF 0.50%
  • SPDR S&P Kensho Future Security 0.45%
  • iShares Global Clean Energy ETF 0.41%
  • iShares Cybersecurity and Tech ETF 0.47%
  • iShares Silver Trust 0.50%
  • iShares MSCI Global Silver and Metals Miners ETF 0.39%
  • iShares Semiconductor ETF 0.35%
  • Vanguard Small-Cap Growth Index Fund ETF Shares 0.07%
  • Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard Short-Term Treasury Index Fund ETF Shares 0.04%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Mid-Cap Growth Index Fund ETF Shares 0.07%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.21%

The overall expense ratio (TER) of the portfolio comes out around 0.21%, which is quite low given the number of holdings and the presence of specialized ETFs. Core broad‑market Vanguard funds anchor costs at 0.03%–0.07%, while more focused regional and thematic iShares products range from about 0.35% to 0.59%. Costs act like a permanent headwind; every 0.1% saved is extra return that stays in the portfolio each year. In this case, the mix of low‑fee core building blocks with a modest slice of higher‑fee satellites keeps the blended cost at an impressively reasonable level, supporting better compounding over long horizons without sacrificing diversification or thematic exposure.

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