Broad global stock portfolio mixing total markets small value tilt and large growth focus
Report created on Jun 24, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
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% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 10.00%
This portfolio is a straightforward four‑ETF stock mix with no bonds or cash. About half is in a broad total US stock ETF, roughly a third in a total international stock ETF, and the remaining slice split between a US small‑cap value fund and a NASDAQ‑100 growth fund. Structurally, it combines a classic global “total market” core with two targeted tilts at the edges. That core‑satellite setup is common: the core tracks broad markets, while the satellites lean into specific styles. The result is a single‑asset‑class portfolio that’s still reasonably diversified inside equities by company, style, and region, but entirely exposed to stock market ups and downs.
Growth
Over the period from late 2020 to mid‑2026, $1,000 grew to about $2,236, which translates to a compound annual growth rate (CAGR) of 15.27%. CAGR is like your average speed on a road trip, smoothing out bumps along the way. This return slightly lagged the US market benchmark but clearly outpaced the global market benchmark, showing that the mix of US and international exposure has been competitive. The maximum drawdown, or deepest peak‑to‑trough loss, was about -26%, similar to global stocks. That’s a reminder that even diversified all‑equity portfolios can experience sizable but recoverable downturns over time.
Projection
The Monte Carlo projection takes the portfolio’s historical ups and downs and simulates 1,000 different future paths for the next 15 years. Think of it as running many “what if” market histories to see a range of possible outcomes, not a single prediction. The median simulation ends with about $2,733 from $1,000, with a wide middle band from roughly $1,808 to $4,242. An annualized return across all simulations of around 8% reflects more moderate expectations than the recent historical period. Importantly, these projections rely on past data and assumptions, so real‑world results can be better or worse than the ranges shown.
Asset classes
- Stocks 100%
All of this portfolio is invested in stocks, with 0% in bonds, cash, or alternative assets. Asset classes are broad buckets like equities, bonds, and real estate that tend to behave differently in various market conditions. A 100% stock allocation usually aims for higher long‑term growth but accepts more short‑term swings. Compared with many blended stock‑bond mixes, this structure leans firmly toward growth and volatility. The balance across equities themselves is diversified by region and size, but from an asset‑class standpoint there’s no buffer from fixed income or cash if stock markets broadly fall at the same time.
Sectors
- Technology 29%
- Financials 15%
- Industrials 11%
- Consumer Discretionary 11%
- Telecommunications 8%
- Health Care 8%
- Consumer Staples 5%
- Energy 5%
- Basic Materials 4%
- Utilities 2%
- Real Estate 2%
Sector exposure is well spread across the economy, with the biggest slice in technology at 29%, followed by financials, industrials, and consumer areas. This profile is broadly in line with global equity benchmarks, which are also tech‑heavy today. Tech and communication‑oriented sectors can be more sensitive to interest rates and growth expectations, meaning prices can move quickly in both directions. The presence of financials, industrials, healthcare, and staples provides exposure to more cyclical and defensive areas. Overall, the sector mix is diversified and largely benchmark‑like, which is a strong sign that no single industry dominates the portfolio’s risk.
Regions
- North America 72%
- Europe Developed 11%
- Asia Developed 5%
- Japan 5%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 72% of the equity exposure is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and smaller slices in emerging markets. Global stock indices today are also heavily weighted to North America, so this home‑country tilt is broadly aligned with world market weights. Geographic diversification matters because economies, politics, and currencies can move differently across regions. Having material though smaller allocations to Europe and Asia means the portfolio isn’t entirely tied to a single region’s fortunes. At the same time, its performance will still be driven mainly by North American markets.
Market capitalization
- Mega-cap 40%
- Large-cap 28%
- Mid-cap 16%
- Small-cap 9%
- Micro-cap 6%
The portfolio spans the full size spectrum, from mega‑cap companies down to micro‑caps. Around 40% sits in the largest global firms, with substantial exposure to large and mid‑caps, and meaningful slices in small and micro‑caps. Market capitalization (or “market cap”) describes a company’s total value in the stock market, and different size segments often behave differently across cycles. Larger companies tend to be more stable and dominate broad indices, while smaller companies can add both growth potential and volatility. This spread across sizes supports diversification within equities, with the small‑cap value fund specifically boosting the portfolio’s exposure to smaller firms.
True holdings
-
NV NVIDIA Corporation 4.16%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 3.86%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.77%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.22%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.87%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.75%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.51%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 1.26%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.19%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
TS Tesla Inc 1.17%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 21.76%
Looking through the ETFs into their top holdings, a noticeable share of the portfolio gathers in a handful of large tech and growth names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Tesla. Several of these appear in more than one ETF, creating overlap that isn’t obvious from the high‑level fund list. For example, having both a total US market fund and a NASDAQ‑100 fund means some mega‑cap tech stocks are effectively counted twice, concentrating risk in those names. Since only top‑10 ETF holdings are available, this overlap is likely understated; the true concentration in these giants is probably even higher.
Factors
Factor analysis shows exposures close to neutral across value, size, momentum, quality, yield, and low volatility. Factor exposure is like checking which “traits” your portfolio leans toward, based on patterns that have historically driven returns. A neutral profile around 50% on each factor means the overall behavior should be similar to a broad market index, without strong tilts toward deep value, high momentum, or ultra‑stable stocks. That aligns with the core‑index focus of the holdings, with the small‑cap value and NASDAQ‑100 funds offsetting each other enough that no single factor stands out. The portfolio behaves broadly like a market‑wide equity basket.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 50.00% 50.5% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 26.0% -
Invesco NASDAQ 100 ETF
Weight: 10.00% 12.1% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 11.4%
Risk contribution data shows that each holding’s share of total volatility is close to its weight, with small upward skews for the NASDAQ‑100 and small‑cap value ETFs. Risk contribution measures how much each position drives the portfolio’s overall ups and downs, which can differ from simple allocation. For instance, the NASDAQ‑100 is 10% by weight but contributes over 12% of risk, reflecting its higher volatility. The top three funds together account for nearly 89% of total risk, in line with their combined 90% weight. That indicates risk is reasonably proportional to position sizes, without a single hidden risk hotspot.
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 on or very close to the efficient frontier, which is the curve showing the best possible return for each risk level using these same holdings. The Sharpe ratio, a simple measure of return per unit of risk, is 0.7 for the current mix versus 0.95 for the optimal point and 0.81 for the minimum‑variance mix. That means, theoretically, different weightings of these same four ETFs could deliver higher risk‑adjusted returns. Still, being right on the frontier suggests the existing allocation is already an efficient trade‑off between growth and volatility for its chosen risk level.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.60%
- Invesco NASDAQ 100 ETF 0.30%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.60%
- Weighted yield (per year) 1.47%
The overall dividend yield for this portfolio is around 1.47%, coming from a mix of lower‑yielding US growth exposure and higher‑yielding international and value segments. Dividend yield is the annual cash payout from holdings as a percentage of price, and it can be an important part of total return over long periods. Here, dividends are a secondary driver compared to price appreciation, which is typical for growth‑tilted US equities and tech‑heavy mixes. The international ETF and the small‑cap value fund boost the income piece somewhat, but the portfolio still leans more toward reinvested growth than steady cash flow.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- 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) 0.07%
The weighted ongoing fee (TER) of about 0.07% per year is impressively low. TER, or total expense ratio, is the annual percentage fee charged by funds, and small differences compound over time. Most of the allocation sits in very low‑cost index ETFs, with only a modestly higher fee for the small‑cap value ETF. This cost profile compares favorably with many actively managed funds and even with a lot of other ETF mixes. Keeping fees this low means more of the portfolio’s gross return stays in the investor’s pocket, which supports better long‑term performance without needing to take extra risk.
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