Broad global stock portfolio with strong US focus and balanced mix of core and satellite ETFs
Report created on May 18, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 50.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 15.00%
This portfolio is a straightforward four-ETF stock mix, with 50% in a broad US index, 20% in broad international stocks, and two 15% “satellite” positions in US small-cap value and the Nasdaq 100. That structure blends a core of diversified index funds with more focused tilts toward smaller value companies and large growth companies. A setup like this keeps things relatively simple to monitor while still introducing distinct sources of return. The overall result is a 100% equity allocation, so everything here moves with stock markets rather than bonds or cash. This composition is consistent with a growth-oriented approach while still spreading exposure across different types of stocks.
Growth
Over the period from late 2020 to mid-2026, $1,000 in this portfolio grew to about $2,294, a compound annual growth rate (CAGR) of 16.07%. CAGR is like average speed on a road trip, showing the steady yearly rate that would get you from start to finish. The max drawdown of about -25% lines up closely with the US market’s worst drop, meaning the portfolio has fallen similarly in tough periods. It slightly lagged the US market by 0.10% per year but beat the global market by over 2% per year. That suggests the strong US tilt has been rewarded over this window, while still roughly matching US risk.
Projection
The Monte Carlo projection uses the portfolio’s historical behavior to simulate thousands of possible future paths. Think of it as rolling the dice 1,000 times using past volatility and returns as a guide, then seeing where a $1,000 investment might end up after 15 years. The median outcome of about $2,699 implies an annualized return around 8.11% across all simulations, with a wide possible range from roughly $949 to $8,299. This spread illustrates how uncertain long-term outcomes can be even for the same strategy. Importantly, simulations are not predictions; they just show what could happen if the future rhymes with the past, which isn’t guaranteed.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with no allocation to bonds, cash, or alternatives. That makes the asset-class picture very clean: it’s a pure equity portfolio. From an educational standpoint, asset classes behave differently in stress periods — bonds, for example, often move less than stocks. Here, the trade-off is straightforward: more growth potential over long horizons, but larger and more frequent swings along the way. Compared with a typical “balanced” setup that mixes stocks and bonds, this portfolio will generally experience sharper ups and downs. The benefit is simplicity and full participation in equity markets; the cost is higher short-term volatility and deeper drawdowns.
Sectors
- Technology 31%
- Financials 14%
- Consumer Discretionary 11%
- Industrials 10%
- Telecommunications 9%
- Health Care 7%
- Energy 5%
- Consumer Staples 5%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is tilted toward Technology at 31%, with the next largest buckets in Financials, Consumer Discretionary, Industrials, and Telecommunications. This is broadly similar to many large-cap equity benchmarks today, where tech and related industries take a big share of total market value. A tech-heavy slice can boost returns when innovation and growth stocks are in favor, but can also mean bigger moves when interest rates rise or sentiment shifts against high-growth names. The presence of Financials, Industrials, Energy, and Staples helps round out the picture, so the portfolio isn’t just concentrated in a single theme. Overall, the sector mix looks reasonably diversified while leaning toward growth-oriented areas.
Regions
- North America 81%
- Europe Developed 8%
- Asia Developed 3%
- Japan 3%
- Asia Emerging 3%
- Australasia 1%
- Latin America 1%
- Africa/Middle East 1%
Geographically, around 81% of the portfolio is in North America, with smaller allocations across Europe, Japan, developed Asia, and emerging markets. This is more US-heavy than global market-cap benchmarks, where the US is a large but not overwhelming majority. A strong US focus has worked well in recent years, as reflected by outperformance versus the global market benchmark. The trade-off is that economic, political, and currency developments in one region dominate the portfolio’s behavior. The non-US slice still introduces some diversification and exposure to different growth drivers, but global returns will mostly be driven by what happens in North American markets.
Market capitalization
- Mega-cap 41%
- Large-cap 28%
- Mid-cap 14%
- Small-cap 9%
- Micro-cap 7%
By market cap, the portfolio tilts toward larger companies: about 41% mega-cap and 28% large-cap, with the rest spread across mid, small, and micro-cap stocks. Large and mega caps tend to be more established businesses, which can mean more stability, while small and micro caps are often more volatile but can move sharply in either direction. The 9% small-cap and 7% micro-cap exposure, mainly via the US small-cap value ETF, gives the portfolio a meaningful but not dominant stake in smaller companies. This blend helps balance stability from giants with the potential for different patterns of returns from smaller stocks that don’t always move in lockstep with mega-caps.
True holdings
-
NV NVIDIA Corporation 5.33%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 4.30%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.19%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.80%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.39%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.11%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.97%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.41%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.09%
Part of fund(s):- Vanguard S&P 500 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.77%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 25.35%
Looking through ETF top holdings, several big names appear across multiple funds, including NVIDIA, Apple, Microsoft, Amazon, and both share classes of Alphabet. These overlaps create hidden concentration: even though there are four ETFs, a meaningful chunk of the portfolio ultimately rests on a small group of very large companies. For example, NVIDIA alone accounts for over 5% of the portfolio in aggregate. Because only ETF top-10 holdings are captured here, actual overlap is likely higher than shown. This isn’t necessarily a problem, but it means the portfolio’s short-term returns will be strongly influenced by the performance of a handful of mega-cap growth stocks.
Factors
Factor exposure in this portfolio is remarkably balanced, with all six measured factors — value, size, momentum, quality, yield, and low volatility — sitting in a neutral, market-like range. Factors are characteristics like “cheap vs. expensive” (value) or “big vs. small” (size) that research has linked to long-term returns. A neutral profile means the overall mix behaves similarly to the broad market rather than leaning heavily into any one style. Interestingly, this balance emerges even though there are explicit tilts in holdings (like small-cap value and Nasdaq growth). The result is a well-rounded factor footprint that should avoid large style whiplash when any single factor falls out of favor.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 48.3% -
Invesco NASDAQ 100 ETF
Weight: 15.00% 18.1% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 17.1% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 16.5%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the S&P 500 ETF is 50% of the portfolio and contributes about 48% of the risk — very close to proportional. The Nasdaq 100 and US small-cap value funds each punch a bit above their weight, contributing more risk than their 15% allocations, reflecting their higher volatility. The international fund contributes less risk than its 20% weight, suggesting somewhat dampening effects. The top three positions together make up over 83% of total portfolio risk, so day-to-day movement is dominated by these core US-focused holdings.
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 risk vs. return chart plots this portfolio against an “efficient frontier,” which shows the best achievable return for each risk level using only the existing holdings in different weightings. The current portfolio has a Sharpe ratio of 0.74, while the maximum Sharpe mix reaches 0.93 and the minimum-variance mix sits at 0.83. The Sharpe ratio is a way of judging return per unit of risk, after accounting for a risk-free rate. The analysis notes that the current allocation is on or very close to the efficient frontier, meaning the weights are making good use of these four ETFs. Within this set of holdings, the risk/return trade-off already looks efficient.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco NASDAQ 100 ETF 0.40%
- Vanguard S&P 500 ETF 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.30%
The overall dividend yield for the portfolio is about 1.30%, with the international ETF at the higher end (2.70%) and the Nasdaq 100 at the lower end (0.40%). Dividend yield is the annual cash payout as a percentage of price, like a “rent” on your investment. For a 100% equity portfolio skewed toward growth names and large US companies, a modest yield like this is typical. More of the total return is expected to come from price changes rather than income. This can be fine for investors comfortable with relying on growth, but it means that cash flow from dividends alone is relatively limited compared with more income-focused stock mixes.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.08%
The weighted average ongoing cost (TER) across these ETFs is a very low 0.08%. TER, or Total Expense Ratio, is the annual fee charged by a fund, taken out of assets rather than billed directly — like a small skim off the top each year. For context, many actively managed funds charge several times this level. Keeping fees this low is a real strength: even a 0.3–0.5 percentage point difference can add up meaningfully over decades due to compounding. Here, costs are unlikely to be a major drag on long-term performance. This cost structure is well-aligned with best practices for broad, index-heavy portfolios.
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