Three fund global stock mix with a clear value tilt and strong cost and tax efficiency
Report created on May 13, 2026Risk profile
4/7
Diversification profile
3/5
Positions
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VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 50.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30.00% -
VT Vanguard Value Index Fund ETF Shares
VTV - US9229087443 20.00%
This portfolio is built from three broad equity index ETFs, all from the same provider, with a simple 50/30/20 split. Half is in a total US stock fund, about a third in a total international fund, and the remaining fifth in a US value index. That structure means everything here is stocks; there’s no explicit cash or bond buffer. Using broad, rules-based index funds like these tends to deliver very “market-like” behavior, with performance mainly driven by global stock markets rather than manager decisions. The added value slice introduces a clear style tilt without making the structure complex, keeping the portfolio easy to understand and maintain over time.
Growth
From 2016 to 2026, $1,000 in this portfolio grew to about $3,443, a compound annual growth rate (CAGR) of 13.21%. CAGR is like average speed on a road trip: it smooths out all the bumps to show a steady yearly pace. Over the same period, the US market did better at 15.39% a year, while the global market did slightly worse at 12.78%. The portfolio’s worst drop was about -34.9% during early 2020, very similar to the benchmarks, and it recovered in roughly five months. Only 33 days made up 90% of returns, which highlights how missing a handful of strong days can significantly change long‑term results.
Projection
The Monte Carlo outlook uses 1,000 simulations based on historical return and volatility patterns to project many possible 15‑year futures. It’s like running the same coin toss experiment thousands of times to see the range of outcomes. The median path turns $1,000 into about $2,781, with a fairly wide “likely” band from roughly $1,829 to $4,149. The very broad 5th–95th percentile range, from about $1,052 to $7,424, shows that long‑term stock returns can vary a lot. The average annualized return across simulations is 7.97%, lower than historical, underlining that past strong growth doesn’t guarantee similar future results.
Asset classes
- Stocks 100%
All of this portfolio is in equities, with 100% in stocks and 0% in bonds or alternatives. Asset classes are broad buckets like stocks, bonds, and real estate, each with different typical risk and return patterns. A stock‑only mix usually has higher long‑term growth potential but also larger swings in value, especially during market stress. Compared with multi‑asset benchmarks that include bonds, this portfolio will tend to move more with equity markets and feel sharper ups and downs. The flip side is that it fully participates in global equity growth, rather than smoothing the ride with lower‑volatility assets that typically offer lower expected returns.
Sectors
- Technology 23%
- Financials 17%
- Industrials 12%
- Health Care 10%
- Consumer Discretionary 8%
- Telecommunications 7%
- Consumer Staples 6%
- Energy 5%
- Basic Materials 4%
- Utilities 3%
- Real Estate 3%
Sector allocation is quite balanced, with the largest exposures in technology (23%) and financials (17%), followed by meaningful slices in industrials, health care, consumer areas, and smaller allocations across the remaining sectors. This pattern looks broadly similar to diversified global equity benchmarks, which is a strong indicator of healthy diversification across different parts of the economy. A tech and financials tilt means the portfolio is somewhat sensitive to interest rates, regulation, and innovation cycles, since those sectors often react strongly to these forces. The presence of energy, utilities, and staples adds exposure to more defensive and commodity‑linked areas, which can sometimes cushion purely growth‑driven swings.
Regions
- North America 72%
- Europe Developed 11%
- Japan 5%
- Asia Developed 4%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, around 72% of the portfolio is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and a smaller slice in emerging regions. This is fairly close to global stock market weights, where the US is a large share but not the entire picture. That alignment is helpful because it spreads company and currency exposure beyond a single country, while still reflecting the dominance of North American markets in global indices. The modest but real exposure to emerging Asia, Latin America, and Africa/Middle East introduces some growth‑oriented markets, which can behave differently from developed economies and add another layer of diversification.
Market capitalization
- Mega-cap 37%
- Large-cap 36%
- Mid-cap 20%
- Small-cap 4%
- Micro-cap 1%
By company size, the portfolio leans strongly toward mega‑ and large‑cap stocks, which together make up about 73% of holdings, with 20% in mid‑caps and a smaller slice in small and micro‑caps. Market capitalization (or “market cap”) measures a company’s size by stock market value. Heavier exposure to larger firms tends to mean more stability and liquidity, since these companies are often established leaders. The mid‑ and small‑cap exposure, while smaller, adds some higher‑growth and higher‑volatility names to the mix. Overall, this structure is very similar to cap‑weighted global indices, which naturally allocate more weight to the biggest companies in the market.
True holdings
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NV NVIDIA Corporation 3.20%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 2.96%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.19%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.60%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.33%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
BR Berkshire Hathaway Inc 1.29%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Value Index Fund ETF Shares
-
AV Broadcom Inc 1.17%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.06%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.04%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.00%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 16.82%
Looking through the ETFs’ top holdings, the largest indirect exposures are to big global names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Berkshire Hathaway, Broadcom, TSMC, and Meta. These appear across multiple funds, particularly the US total market and value ETFs, which creates some overlap. Because only ETF top‑10s are included, the reported 23.6% coverage understates true overlap, but it still shows that a sizeable chunk sits in a handful of mega‑cap leaders. This kind of concentration is common in index‑based portfolios, where index rules give more weight to large companies, so overall behavior can be strongly influenced by how these giants perform.
Factors
Factor exposure shows a meaningful tilt toward value at 60%, slightly above the market‑average 50% baseline, while size, momentum, quality, yield, and low volatility all sit near neutral. Factors are like underlying “personality traits” of stocks—value, for example, means cheaper prices relative to fundamentals. A mild value tilt often benefits periods when cheaper companies catch up after growth stocks have led, but it can lag when markets strongly favor high‑growth, expensive names. The roughly neutral readings in the other factors suggest the portfolio behaves broadly like a standard market index, without strong bets on themes like small‑caps, momentum, or high‑dividend stocks.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 50.00% 53.2% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 28.2% -
Vanguard Value Index Fund ETF Shares
Weight: 20.00% 18.6%
Risk contribution shows how much each holding drives overall portfolio ups and downs, which can differ from simple weights. Here, the total US stock fund is 50% of the portfolio but contributes about 53% of the risk, a modestly higher share. The international fund and value fund each contribute slightly less risk than their weights (about 28% vs 30%, and 19% vs 20%). This pattern indicates that risk is spread fairly proportionally across the three funds, without one fund dominating volatility. Balanced risk contribution like this is helpful, because it avoids situations where a seemingly modest position secretly drives most of the portfolio’s movement.
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 plots expected return against risk and shows whether the current mix makes good use of its holdings. The portfolio’s Sharpe ratio, a measure of risk‑adjusted return, is 0.58, compared with 0.81 for the optimal mix of the same three funds and 0.70 for the minimum‑risk mix. Importantly, the portfolio sits on or very near the efficient frontier, meaning that for its chosen risk level, the allocation is already quite efficient. In practical terms, that suggests there isn’t an obvious improvement in risk/return just by shuffling weights among these same ETFs, which is a positive sign for the current structure.
Dividends
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Value Index Fund ETF Shares 1.90%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.69%
The blended dividend yield is about 1.69%, coming from roughly 1.0% on US total market stocks, 1.9% on the value slice, and 2.7% on international stocks. Dividend yield is the cash income from holdings, as a percentage of current price. In this portfolio, most return historically has come from price growth rather than dividends, which is common for broad equity index funds, especially in the US. The slightly higher yield in the value and international components adds a modest income layer. Over time, reinvested dividends can significantly contribute to total growth, even when headline yields look relatively low.
Ongoing product costs
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Value Index Fund ETF Shares 0.04%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
Total ongoing costs are very low at around 0.04% per year (the TER, or Total Expense Ratio, is the annual fee the funds charge). The individual ETFs range from 0.03% to 0.05%, which is well below the costs of many actively managed funds and even lower than many index peers. Low costs matter because fees come off returns every single year, and even tiny percentage differences compound significantly over decades. This portfolio’s fee level is impressively low and strongly supports long‑term performance, meaning more of the market’s return stays in the portfolio rather than going to fund providers.
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