Broad equity index portfolio with strong US tilt and modest growth bias at low overall cost
Report created on Apr 27, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 72.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 14.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 14.00%
This portfolio is a simple three‑ETF mix that’s 100% in stocks. About 72% sits in a total US stock market ETF, 14% in a Nasdaq‑100 fund, and 14% in a total international stock ETF. So most of the exposure comes from broad index trackers, with a smaller satellite position in a more growth‑tilted index. This kind of “core plus satellite” structure is common: a diversified base with a focused overlay. The total US and total international funds give wide coverage across company sizes and regions, while the Nasdaq position leans into larger, growth‑oriented names. Overall, the structure is straightforward, transparent, and easy to understand, which often makes ongoing monitoring simpler.
Growth
Over the period from late 2020 to April 2026, $1,000 in this portfolio grew to about $2,094. That works out to a Compound Annual Growth Rate (CAGR) of 14.36%, meaning the value increased on average 14.36% per year, like an average speed over a multi‑year road trip. The maximum drawdown was about ‑27%, slightly deeper than the US market benchmark but very close to the global benchmark. The portfolio mildly lagged the US market but beat the global market, reflecting its strong US tilt. Only 24 days delivered 90% of total returns, underlining how a small number of strong days can drive long‑term performance and why staying invested through swings can matter.
Projection
The forward projection uses a Monte Carlo simulation, which is basically a large set of “what if” scenarios generated from historical patterns. It ran 1,000 possible 15‑year paths based on past volatility and returns. The median outcome turns $1,000 into about $2,907, with a central “likely” range of roughly $1,932 to $4,322. There’s also a wider possible range from about $939 to $8,063, showing both downside and upside extremes. The average annual return across simulations is 8.31%, and about 77% of paths ended positive. These are illustrations, not promises: they rely on history rhyming with the future, which is never guaranteed and can shift with new economic environments.
Asset classes
- Stocks 100%
All of this portfolio is in one asset class: stocks. That means there’s no built‑in ballast from bonds or cash‑like holdings, which often move differently during market stress. Being 100% in equities can increase both growth potential and the size of temporary setbacks. Compared with many broad “balanced” mixes that combine stocks and bonds, this structure is more growth‑oriented. The diversification here comes from spreading stock exposure across many companies and regions, not from mixing very different asset classes. This equity‑only approach is clear and focused but also relies heavily on global stock markets continuing to deliver over long stretches, including living through sizable drawdowns.
Sectors
- Technology 32%
- Financials 12%
- Consumer Discretionary 10%
- Telecommunications 10%
- Industrials 10%
- Health Care 9%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector‑wise, the portfolio is clearly tilted toward technology at 32%, with the rest spread across financials, consumer sectors, industrials, health care, and smaller slices of energy, materials, utilities, and real estate. That tech share is somewhat higher than many broad global benchmarks, largely due to the Nasdaq‑100 allocation, which amplifies exposure to fast‑growing, innovation‑driven companies. Tech‑heavier portfolios can benefit more in periods when growth and digital trends are rewarded, but they also tend to be more sensitive when interest rates rise or sentiment turns against high‑growth names. The presence of meaningful allocations in non‑tech sectors helps keep the overall sector mix from becoming extremely concentrated.
Regions
- North America 87%
- Europe Developed 6%
- Japan 2%
- Asia Developed 2%
- Asia Emerging 2%
- Australasia 1%
- Africa/Middle East 1%
Geographically, about 87% of the portfolio is in North America, with only 13% spread across Europe, Japan, other developed Asia, emerging Asia, Australasia, and Africa/Middle East. That’s a stronger home‑country tilt toward the US than global market‑cap benchmarks, where the US is large but not this dominant. A high US share has worked well recently, given strong performance from major American companies, especially in technology. At the same time, this means portfolio results are closely tied to one economy, one currency, and one regulatory environment. The international slice still adds some diversification, but global regions outside North America remain a relatively small part of the overall risk and return story.
Market capitalization
- Mega-cap 43%
- Large-cap 32%
- Mid-cap 18%
- Small-cap 5%
- Micro-cap 2%
By market capitalization, the portfolio leans toward bigger companies: 43% in mega‑caps and 32% in large‑caps, with smaller allocations to mid‑caps (18%), small‑caps (5%), and micro‑caps (2%). This profile lines up with many broad index funds, where the largest companies naturally dominate due to their market value. Larger companies often have more stable earnings and better access to financing, which can make returns a bit steadier than a small‑cap‑heavy portfolio. The inclusion of smaller companies via the total market ETFs still introduces some additional growth potential and diversification, but the portfolio’s behavior will largely be driven by the largest global names rather than by smaller, more niche businesses.
True holdings
-
NV NVIDIA Corporation 5.83%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 5.27%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.92%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.99%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.41%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.18%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.98%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.92%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.67%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
BR Berkshire Hathaway Inc 0.98%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 29.17%
Looking through the ETFs, the top underlying positions show sizeable exposure to a handful of mega‑cap companies: NVIDIA, Apple, Microsoft, Amazon, both Alphabet share classes, Broadcom, Meta, Tesla, and Berkshire Hathaway. These names appear across multiple ETFs, so their combined weights add up, creating hidden concentration even though you only own three funds. For example, NVIDIA at 5.83% and Apple at 5.27% are meaningful single‑company exposures. Because only top‑10 ETF holdings are visible, overlap is likely understated further down the list. This kind of concentration is common in index‑based portfolios today, but it does mean portfolio outcomes will be heavily influenced by how a small group of very large companies performs.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility is essentially neutral, sitting close to 50% for each. Factor exposure describes how much a portfolio leans into specific characteristics that academic research links to returns, like favoring cheaper stocks (value) or more stable ones (low volatility). Here, the readings suggest a market‑like, well‑balanced mix without strong intentional tilts toward or away from any factor. That means the portfolio is mostly capturing broad index behavior rather than making big bets on particular styles. In practice, its performance will tend to track overall equity markets rather than heavily relying on a single style, such as deep value or high momentum, to drive results.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 72.00% 71.8% -
Invesco NASDAQ 100 ETF
Weight: 14.00% 17.2% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 14.00% 11.0%
Risk contribution shows how much each holding adds to total portfolio volatility, which can differ from its weight. The total US market ETF is 72% of the portfolio and contributes about 72% of the risk, so its impact is pretty proportional. The Nasdaq‑100 ETF, however, is 14% by weight but adds roughly 17% of the risk, with a risk/weight ratio of 1.23, reflecting its higher volatility profile. The international ETF, also 14% by weight, contributes only about 11% of risk, so it slightly dampens total volatility. Overall, almost all risk comes from these three positions, which is expected in a compact portfolio. Position sizing and volatility both clearly shape the portfolio’s ups and downs.
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‑return chart plots volatility on the x‑axis and expected return on the y‑axis, with the efficient frontier showing the best tradeoffs achievable using the existing holdings. The current mix has a Sharpe ratio of 0.64, which compares excess return to risk, versus 0.81 for the optimal Sharpe portfolio and 0.76 for the minimum variance mix. Importantly, the current allocation sits on or very near the efficient frontier, so it’s already using these three ETFs in a largely efficient way for its chosen risk level. The small gap in Sharpe suggests modest potential fine‑tuning, but there is no sign of major misalignment between risk taken and expected return within this fund set.
Dividends
- Invesco NASDAQ 100 ETF 0.50%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.25%
The portfolio’s overall dividend yield is about 1.25%, combining lower payouts from the Nasdaq‑100 fund (around 0.50%) and higher yields from the broad US and international ETFs. Dividends are regular cash payments companies make from profits, and while they’re only a modest part of total return here, they still add a steady income component alongside price growth. Growth‑oriented segments, such as many Nasdaq companies, typically reinvest more earnings rather than paying them out, which helps explain the lower yield there. For a portfolio like this, overall returns are likely to be driven more by share price appreciation than by dividend income, with yield acting as a smaller, but still meaningful, contributor.
Ongoing product costs
- 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) 0.05%
Costs in this portfolio are impressively low. The total ongoing fee (TER) is around 0.05% per year, thanks to the very low‑cost Vanguard index ETFs and a reasonably priced Nasdaq‑100 fund at 0.15%. TER, or Total Expense Ratio, is the percentage fee charged annually by a fund to cover management and operating costs. Low fees help more of the portfolio’s gross returns stay in your pocket, and the difference compounds over time. Here, the cost profile compares very favorably to many actively managed funds and even to some other index products. This low‑cost foundation is a strong structural advantage that supports better long‑term outcomes, assuming similar pre‑fee performance.
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