Broad global stock allocation with efficient structure low costs and balanced style exposures

Report created on Apr 9, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

The portfolio is a seven‑ETF, all‑equity mix tilted toward large US companies, with meaningful slices in US mid and small caps plus developed and emerging markets outside the US. The three S&P 500 funds together make up over 60% of the allocation, with the rest split between global ex‑US, small, mid, and emerging markets. This structure is simple but covers a wide chunk of the global stock market. Having everything in ETFs makes the portfolio easy to manage and tax‑track. Overall, the setup fits a “buy and hold” approach where the main lever is how much to keep in stocks versus other assets held elsewhere.

Growth Info

From 2016 to early 2026, $1,000 grew to about $3,294, a compound annual growth rate (CAGR) of 12.71%. CAGR is basically your average yearly “speed” over the whole journey, smoothing out bumps. That’s slightly behind the US market’s 14.29% but ahead of the global market’s 11.82%. The max drawdown, or worst peak‑to‑trough drop, was about ‑34.6%, very similar to the benchmarks. This shows the portfolio has behaved like a solid, diversified equity mix: strong long‑term growth with big but normal stock‑market swings. Historical returns are useful context, but future results can differ a lot from the past.

Projection Info

The Monte Carlo projection runs 1,000 simulations of the next 15 years using patterns from past returns to generate many possible paths. It’s like rolling the dice on thousands of alternate futures and seeing where $1,000 might land. The median outcome is about $2,725, with most simulations falling between roughly $1,781 and $4,141, and a 73% chance of ending positive. The average simulated annual return is 8.09%, lower than the historical 12.71%, which is a reasonable, more conservative assumption. Still, all of this is model‑based: it can’t foresee regime shifts or new shocks, so it’s a guide, not a promise.

Asset classes Info

  • Stocks
    78%
  • No data
    22%

The data shows 78% in stocks and 22% labeled as “No data,” where the asset class isn’t identified. In practice, the listed ETFs are equity funds, so the visible portion is clearly equity‑heavy, which matches a growth‑oriented approach. Asset class mix matters because stocks, bonds, and cash behave differently in crashes and recoveries. A portfolio like this relies heavily on stock market performance and will move more than a mixed stock‑bond allocation. For someone using this as one piece of a broader plan, it pairs best with safer assets held separately to smooth the overall ride.

Sectors Info

  • Technology
    20%
  • Financials
    12%
  • Industrials
    10%
  • Consumer Discretionary
    8%
  • Health Care
    7%
  • Telecommunications
    6%
  • Consumer Staples
    4%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    3%
  • Real Estate
    2%

Sector exposure is nicely spread: about 20% in technology, then financials, industrials, consumer areas, health care, telecom, and smaller allocations to energy, materials, utilities, and real estate. That tech weight is meaningful but not extreme versus common broad‑market indexes, and the rest is well‑balanced. This is a strong sign of diversification: no single economic theme dominates. A diversified sector mix helps because different industries lead in different environments—defensives tend to hold up better in recessions, cyclicals do well in recoveries, and tech can shine in innovation cycles but be hit harder when rates rise.

Regions Info

  • North America
    58%
  • Europe Developed
    6%
  • Asia Emerging
    5%
  • Asia Developed
    4%
  • Japan
    3%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Australasia
    1%

Geographically, roughly 58% is in North America, with the rest spread across developed Europe, Japan, other developed Asia, emerging Asia, Latin America, Africa/Middle East, and Australasia. That’s somewhat US‑heavy but still much more global than a pure domestic portfolio, and reasonably close to major global equity benchmarks. This alignment is positive: it taps the strength of US markets while still giving exposure to other economies and currencies. Global diversification can help if leadership rotates away from the US over a decade, but it also means returns will reflect currency moves and foreign market cycles.

Market capitalization Info

  • Mega-cap
    29%
  • Large-cap
    23%
  • Mid-cap
    20%
  • Small-cap
    5%
  • Micro-cap
    1%

Market‑cap exposure tilts toward bigger companies: about 29% in mega caps, 23% large, 20% mid, 5% small, and 1% micro, with some unclassified. This is broadly similar to a market‑weighted global equity mix, where the giants naturally dominate because of their size. Large and mega caps tend to be more stable and liquid, while mid and small caps can bring more growth potential but also bigger swings. This blend offers a good middle ground: most of the portfolio behaves like broad, established markets, with a modest boost of smaller companies to add diversification and long‑term growth potential.

True holdings Info

  • NVIDIA Corporation
    4.59%
    Part of fund(s):
    • SPDR® Portfolio S&P 500 Growth ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
  • Apple Inc
    4.23%
    Part of fund(s):
    • SPDR® Portfolio S&P 500 Growth ETF
    • SPDR® Portfolio S&P 500 Value ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
  • Microsoft Corporation
    2.95%
    Part of fund(s):
    • SPDR® Portfolio S&P 500 Growth ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
  • Amazon.com Inc
    2.31%
    Part of fund(s):
    • SPDR® Portfolio S&P 500 Growth ETF
    • SPDR® Portfolio S&P 500 Value ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
  • Alphabet Inc Class A
    1.84%
    Part of fund(s):
    • SPDR® Portfolio S&P 500 Growth ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
  • Broadcom Inc
    1.59%
    Part of fund(s):
    • SPDR® Portfolio S&P 500 Growth ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
  • Alphabet Inc Class C
    1.47%
    Part of fund(s):
    • SPDR® Portfolio S&P 500 Growth ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
  • Meta Platforms Inc.
    1.34%
    Part of fund(s):
    • SPDR® Portfolio S&P 500 Growth ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.23%
    Part of fund(s):
    • Vanguard FTSE All-World ex-US Index Fund ETF Shares
    • Vanguard FTSE Emerging Markets Index Fund ETF Shares
  • Berkshire Hathaway Inc
    0.94%
    Part of fund(s):
    • SPDR® Portfolio S&P 500 Growth ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
  • Top 10 total 22.48%

Looking through the ETFs, the biggest underlying exposures are the usual US mega‑cap names: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Berkshire, and Taiwan Semiconductor. Several of these appear in multiple ETFs, especially the S&P 500, its growth slice, and the global ex‑US fund, creating hidden concentration in a handful of giants even though each ETF looks diversified. Because this analysis only uses top‑10 ETF holdings, the true overlap is likely a bit higher. The takeaway is that headline diversification across many ETFs still leaves meaningful dependence on a small group of mega‑cap leaders.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 100%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Neutral
Data availability: 100%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposures—value, size, momentum, quality, yield, and low volatility—are all in the neutral band, clustered around 50%. Factors are basically traits that drive returns over time, like “cheap versus expensive” or “steady versus volatile.” Neutral readings mean the portfolio behaves a lot like the overall market, without big bets on any specific style. That’s actually a strength here: there’s no heavy tilt that could help in one regime but hurt badly in another. For someone who wants their core holdings to be simple and broad, this factor profile is nicely balanced and easy to live with.

Risk contribution Info

  • State Street® SPDR® Portfolio S&P 500® ETF
    Weight: 21.93%
    22.3%
  • SPDR® Portfolio S&P 500 Growth ETF
    Weight: 19.99%
    22.1%
  • SPDR® Portfolio S&P 500 Value ETF
    Weight: 21.25%
    19.5%
  • Vanguard FTSE All-World ex-US Index Fund ETF Shares
    Weight: 16.12%
    14.4%
  • Vanguard Small-Cap Index Fund ETF Shares
    Weight: 7.86%
    9.0%
  • Top 5 risk contribution 87.3%

Risk contribution shows how much each holding drives total ups and downs, which can differ from its simple weight—like a loud instrument dominating an orchestra. The three S&P 500 funds together are about 63% of the portfolio but account for roughly 64% of its risk, so their influence is very much in line with their size. The small‑cap ETF is a good example of a modest tilt: at around 7.9% weight, it contributes about 9% of the risk, reflecting higher volatility. Overall, there’s no single position wildly over‑dominating risk, which is a healthy sign.

Redundant positions Info

  • State Street® SPDR® Portfolio S&P 500® ETF
    SPDR® Portfolio S&P 500 Growth ETF
    High correlation
  • Vanguard Small-Cap Index Fund ETF Shares
    Vanguard Mid-Cap Index Fund ETF Shares
    High correlation

The correlation data shows that the S&P 500 ETF and the S&P 500 Growth ETF move almost identically, and the Vanguard small‑cap and mid‑cap funds are also very tightly linked. Correlation measures how assets move together—high correlation means they tend to rise and fall in sync, limiting diversification. Here, the overlapping US equity exposures mean that, in a US downturn, several pieces will likely drop at the same time. Diversification benefits are coming more from the non‑US and emerging markets slice than from the different US style and size funds, which largely dance to the same rhythm.

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—the curve showing the best possible return for each risk level using just these holdings. The Sharpe ratio, which measures return per unit of risk, is 0.54 for the current mix versus 0.78 for the theoretical optimal portfolio and 0.64 for the minimum‑variance version. That says the structure is already quite efficient, especially for a balanced‑risk equity allocation. Any improvements would be marginal and mostly about fine‑tuning weights, not changing funds. It’s a reassuring sign that the design is doing its job well.

Dividends Info

  • SPDR® Portfolio S&P 500 Growth ETF 0.50%
  • SPDR® Portfolio S&P 500 Value ETF 1.80%
  • Vanguard Small-Cap Index Fund ETF Shares 1.30%
  • Vanguard FTSE All-World ex-US Index Fund ETF Shares 2.80%
  • Vanguard Mid-Cap Index Fund ETF Shares 1.50%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.60%
  • State Street® SPDR® Portfolio S&P 500® ETF 1.10%
  • Weighted yield (per year) 1.52%

The overall dividend yield is about 1.52%, with higher payouts from the global ex‑US and emerging markets funds and lower yields from US growth and broad market funds. Dividend yield is the cash income you get each year as a percentage of your investment, like rent from a property. A yield in this range is typical for a growth‑oriented stock mix that leans toward companies reinvesting profits rather than paying them out. For investors focused on total return instead of income today, a modest yield is fine, and dividend reinvestment can quietly boost compounding over time.

Ongoing product costs Info

  • SPDR® Portfolio S&P 500 Growth ETF 0.04%
  • SPDR® Portfolio S&P 500 Value ETF 0.04%
  • Vanguard Small-Cap Index Fund ETF Shares 0.05%
  • Vanguard FTSE All-World ex-US Index Fund ETF Shares 0.07%
  • Vanguard Mid-Cap Index Fund ETF Shares 0.04%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Weighted costs total (per year) 0.04%

The weighted average total expense ratio (TER) is an impressively low 0.04%. TER is the annual fee charged by funds, taken out inside the ETF, so you never see a bill but it quietly reduces returns. Here, all the funds are low‑cost index trackers, with individual TERs between 0.04% and 0.08%. That’s a big positive: costs are one of the few things you can control, and even small differences compound over decades. Being aligned with the cheapest tier of broad‑market ETFs gives this portfolio a structural edge that supports better long‑term outcomes compared with higher‑fee alternatives.

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