Globally diversified single fund equity portfolio with broad sector mix and moderate long term risk profile
Report created on May 7, 2026Risk profile
4/7
Diversification profile
4/5
Positions
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VT Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 100.00%
This portfolio is as simple as it gets: one global equity ETF makes up 100% of the holdings. That means every dollar is invested in stocks across the world through a single, broad index fund. Structurally, this is very tidy: there are no competing strategies, no cash sleeve, and no leverage or derivatives visible here. The risk classification of “balanced” with a 4/7 score reflects that it is fully in equities but broadly diversified across countries and industries. The key implication is that portfolio behavior is almost entirely driven by global stock markets overall, so day‑to‑day moves will closely mirror how world equities are doing rather than any individual active bet.
Growth
From 2016 to April 2026, a hypothetical $1,000 grew to about $3,269, which translates to a 12.63% compound annual growth rate (CAGR). CAGR is like your average speed on a long trip: it smooths all the bumps into one yearly number. Over the same period, the US market grew faster at 15.25% while the broader global benchmark was very close at 12.70%, so this ETF tracked world stocks well with only a tiny lag. The max drawdown of around -34% during early 2020 shows that even diversified stock portfolios can fall sharply in crises, but also that they can recover over time.
Projection
The Monte Carlo projection uses many random “what if” paths based on historical patterns to estimate possible futures. Here, 1,000 simulations of a $1,000 investment over 15 years produced a median outcome of about $2,755, or an annualized 8.07% across all simulations. Monte Carlo doesn’t try to predict a single number; it shows a range: roughly $1,777–$4,193 in the middle half of scenarios, and $958–$7,794 in the wider band. This highlights that outcomes can vary a lot even with the same starting point. As always, these projections rely on the past and assumptions, so they’re illustrations, not guarantees.
Asset classes
- Stocks 100%
All of the portfolio sits in one asset class: stocks. There is no allocation to bonds, cash, or alternatives. That’s why the overall risk score falls in the middle‑high range: equities historically offer higher long‑term growth potential but also come with larger short‑term swings. Compared with more mixed stock‑bond portfolios, this structure usually experiences deeper drawdowns when markets drop but also fuller participation when markets rise. Relative to typical global equity benchmarks, the asset‑class mix matches almost perfectly, which is a strong indicator that the ETF is doing what it says: providing broad, equity‑only exposure without any hidden defensive offset in other asset types.
Sectors
- Technology 26%
- Financials 16%
- Industrials 12%
- Consumer Discretionary 10%
- Health Care 9%
- Telecommunications 8%
- Consumer Staples 5%
- Energy 5%
- Basic Materials 4%
- Utilities 3%
- Real Estate 2%
Sector exposure is broadly diversified, with technology the largest at 26%, followed by financials at 16% and industrials at 12%. This pattern closely resembles common global equity benchmarks, where tech has grown in weight as large companies in that space have outperformed. A tech‑tilted but not extreme allocation means the portfolio is sensitive to innovation, digital trends, and interest‑rate moves, yet still anchored by meaningful stakes in financials, industrials, consumer sectors, and healthcare. This balance helps spread risk across different parts of the economy; when one sector struggles, others may offset it. Overall, the sector mix aligns well with global standards, a good sign of healthy diversification.
Regions
- North America 64%
- Europe Developed 14%
- Japan 6%
- Asia Developed 6%
- Asia Emerging 5%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, around 64% is in North America, with Europe Developed at 14%, Japan and other developed Asia together at about 12%, and smaller slices in emerging Asia, Latin America, and Africa/Middle East. This US‑heavy pattern mirrors global stock market value today, where North American companies dominate large indexes by market cap. The upside is that the portfolio captures a big share of the world’s largest, most liquid markets. The trade‑off is that performance is quite tied to North American economic and policy conditions, even though there is still meaningful exposure to the rest of the world to provide some diversification across regions and currencies.
Market capitalization
- Mega-cap 43%
- Large-cap 31%
- Mid-cap 18%
- Small-cap 5%
- Micro-cap 1%
By market cap, the portfolio leans strongly to mega‑ and large‑cap stocks, which together make up about 74%. Mid‑caps add another 18%, while small and micro‑caps are modest at 6% combined. Large companies tend to be more stable, widely researched, and liquid, so they often anchor index behavior. Smaller companies can be more volatile but may sometimes grow faster or diverge from large‑cap trends. This cap‑size mix is very similar to broad global indexes and supports the idea that the ETF is giving “market‑like” exposure rather than dialing up risk through heavy small‑cap tilts or trying to chase niche areas.
True holdings
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NV NVIDIA Corporation 3.95%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
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AA Apple Inc 3.54%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
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MS Microsoft Corporation 2.65%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
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AM Amazon.com Inc 1.93%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
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GO Alphabet Inc Class A 1.62%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
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AV Broadcom Inc 1.38%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
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23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.36%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
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GO Alphabet Inc Class C 1.31%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
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ME Meta Platforms Inc. 1.21%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
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TS Tesla Inc 1.01%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total World Stock Index Fund ETF Shares
- Top 10 total 19.96%
Looking through the ETF’s top ten holdings, the largest underlying positions include NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, TSMC, Meta, and Tesla. Together, these names only represent about 20% of the total portfolio, which means no single company dominates. Also, because you hold only one fund, there’s no overlapping exposure from multiple ETFs owning the same stock, which can otherwise create hidden concentration. The caveat is that we only see the ETF’s top 10; the remaining 80% is spread across a huge number of smaller positions. Even so, this pattern is typical of a cap‑weighted world index where a handful of giants sit on top of a very broad base.
Factors
Factor exposures across value, size, momentum, quality, yield, and low volatility all sit in the neutral range, clustered around 50%. Factor exposure describes how much a portfolio leans into certain characteristics, like owning cheaper “value” stocks or more stable “low volatility” names. In this case, there are no strong tilts in any direction: the portfolio behaves similarly to a broad global market index on these dimensions. That means its ups and downs are mainly driven by overall equity market direction rather than any systematic style bet. This well‑balanced factor profile is consistent with a cap‑weighted index fund that aims to mirror the market instead of trying to outsmart it.
Risk contribution
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Vanguard Total World Stock Index Fund ETF Shares
Weight: 100.00% 100.0%
Because there is only one holding, that ETF naturally contributes 100% of the portfolio’s risk. Risk contribution measures how much each position drives overall volatility, which can differ a lot from simple weight in more complex portfolios. Here, weight and risk line up exactly: one line item equals one source of risk. That makes the risk structure straightforward to understand. Day‑to‑day swings are essentially the same as owning the global equity index directly, without any offset from bonds, cash, or alternative strategies. The simplicity reduces hidden complexities but also means there’s no internal diversification across asset classes, just within global stocks.
Dividends
- Vanguard Total World Stock Index Fund ETF Shares 1.60%
- Weighted yield (per year) 1.60%
The ETF’s dividend yield is about 1.60%, which is typical for a broad global equity index today. Dividend yield is the yearly cash payout as a percentage of price, like interest on a savings account but not guaranteed. In this portfolio, dividends are a modest but steady part of total return, with the rest coming from price changes as markets move. For a 100% equity fund, income levels can fluctuate as companies adjust their payouts over time. The key point is that most of the historical growth shown earlier came from capital appreciation, with dividends providing an additional, smoother return stream on top.
Ongoing product costs
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- Weighted costs total (per year) 0.07%
The total expense ratio (TER) of 0.07% is very low, especially for a fund covering essentially the whole world. TER is the ongoing annual fee charged by the ETF, taken out of returns before they reach you. Over short periods the difference between 0.07% and higher fees can feel small, but over many years lower costs tend to support better net outcomes because less return is eaten by expenses. In the context of global equity investing, this cost level is impressively low and aligns with best‑in‑class index options. It means most of the underlying market performance passes through to the portfolio with minimal drag.
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