Well diversified mostly US stock portfolio with efficient structure and balanced long term growth profile
Report created on Apr 15, 2026Risk 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
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 60.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 25.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 15.00%
The portfolio is a simple three‑fund setup holding 100% stocks: 60% broad US large caps, 25% US mega‑cap growth, and 15% international stocks. This creates a strong core in the broad US market, with an extra tilt toward fast‑growing US companies plus a smaller allocation overseas. A structure like this is easy to understand and manage, which matters over decades. It also means all risk comes from equities rather than mixing in bonds or cash. For someone comfortable with market ups and downs, this straightforward design can be a solid base, but it relies on staying invested through volatility rather than dialing risk down with safer assets.
Growth
From late 2020 to early 2026, $1,000 grew to about $2,067, a compound annual growth rate (CAGR) of 14.2%. CAGR is like your average yearly “speed” over the full journey, smoothing out bumps. That slightly trailed the US market by 0.28% per year but beat the global market by 1.56% per year, which is a nice alignment with long‑run benchmarks. The worst drop was about -27%, taking 10 months to fall and 14 months to fully recover, which is normal for an all‑stock mix. The fact that only 23 days generated 90% of returns underlines why missing a few big up days can seriously hurt long‑term results.
Projection
The Monte Carlo projection uses many random simulations based on past returns and volatility to estimate potential 15‑year outcomes. Think of it as running 1,000 possible futures using the historical “weather pattern” of this portfolio. The median outcome turns $1,000 into about $2,744, with a wide but reasonable middle range from roughly $1,792 to $4,329. There’s about a 73.5% chance of ending with more than you started and an average simulated annual return of 8.13%. These numbers are useful for setting expectations, but they’re not promises—markets can shift, and past data can’t fully capture future regimes, interest‑rate changes, or policy shocks.
Asset classes
- Stocks 100%
All of the money here is in stocks, with no allocation to bonds, cash, or alternative assets. That’s a clear choice toward growth over stability. Asset classes behave differently in various environments—bonds often cushion equity drawdowns, while cash reduces volatility but also long‑term return. A 100% stock allocation usually suits investors with long horizons and tolerance for sizable swings in account value. The upside is strong growth potential; the trade‑off is living through periods like the -27% drawdown without a built‑in safety buffer. Over time, adding different asset classes is one common way to smooth the ride, but it also generally lowers expected returns.
Sectors
- Technology 35%
- Telecommunications 11%
- Financials 11%
- Consumer Discretionary 11%
- Industrials 8%
- Health Care 8%
- Consumer Staples 6%
- Energy 3%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector exposure leans heavily toward technology at 35%, with the rest spread across telecommunications, financials, consumer areas, industrials, health care, and smaller allocations to energy, materials, utilities, and real estate. Compared with broad global benchmarks, this is clearly more tech‑centric, partly driven by the NASDAQ 100 position. Tech‑heavy portfolios often do very well in growth and low‑rate environments but can be more volatile when interest rates rise or sentiment shifts away from high‑growth companies. The good news is that there is still representation across most major sectors, so it’s not an all‑or‑nothing bet, but tech sentiment will still have an outsized impact.
Regions
- North America 85%
- Europe Developed 6%
- Japan 2%
- Asia Developed 2%
- Asia Emerging 2%
- Australasia 1%
- Africa/Middle East 1%
Geographically, about 85% is in North America, with modest slices in developed Europe, Japan, other developed Asia, emerging Asia, Australasia, and Africa/Middle East. This is more US‑centric than a typical global market index, which usually has a lower US share and more weight in non‑US markets. Concentration in one region ties results closely to that region’s economy, policy, and currency. The advantage is participating fully in US market leadership when it persists, which has been a winner for the past decade. The trade‑off is missing some diversification benefits if another region outperforms or the US experiences a long soft patch.
Market capitalization
- Mega-cap 47%
- Large-cap 35%
- Mid-cap 16%
- Small-cap 1%
Market‑cap exposure is dominated by the largest companies: 47% in mega‑caps, 35% in large‑caps, 16% in mid‑caps, and just 1% in small‑caps. This is very similar to a typical cap‑weighted index and aligns well with broad benchmark practice, which is a positive sign. Large and mega‑cap stocks tend to be more stable and liquid than smaller companies, so they often have lower individual risk and narrower bid‑ask spreads. The downside is less exposure to the potential higher growth—and higher risk—found in smaller businesses. Overall, this creates a blue‑chip‑heavy risk profile with relatively modest small‑cap influence.
True holdings
-
NV NVIDIA Corporation 6.61%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 5.83%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 4.31%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.32%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.74%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.39%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 2.34%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.31%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.99%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 0.94%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 32.77%
Looking through the ETFs, the biggest underlying exposures are well‑known US giants like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, and Meta. Many of these appear in both the S&P 500 and NASDAQ 100, so there is meaningful overlap, especially in the largest tech names. That hidden concentration means the portfolio will be quite sensitive to how a handful of mega‑cap companies perform, even though you only see three tickers. This isn’t inherently bad, as these firms have driven much of recent market gains, but it does mean portfolio behavior is more tied to them than the fund count suggests.
Factors
Factor exposure is almost perfectly balanced across value, size, momentum, quality, yield, and low volatility, all sitting in the “neutral” band around 50%. Factors are like underlying style ingredients that drive returns—things like cheap vs. expensive stocks (value) or stable vs. jumpy stocks (low volatility). A neutral profile means the portfolio behaves a lot like the overall market rather than making specific style bets. This is a strength if the goal is broad, market‑like exposure without trying to time fashions like growth vs. value. It also means returns will be driven more by overall market direction than by factor tilts.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 60.00% 57.4% -
Invesco NASDAQ 100 ETF
Weight: 25.00% 31.1% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 15.00% 11.6%
Risk contribution shows how much each holding adds to total ups and downs, which can differ from simple weights. The S&P 500 ETF is 60% of the portfolio and contributes about 57% of the risk, so its risk impact is roughly proportional. The NASDAQ 100 is 25% of assets but adds about 31% of risk, meaning each dollar there is a bit “spicier.” The international fund is 15% of assets but only 12% of risk, so it slightly dampens volatility. If someone wanted to dial back risk while keeping the same holdings, trimming the NASDAQ 100 slice and increasing the broad US or international exposure would be the main lever.
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 efficient frontier chart, the current portfolio has a Sharpe ratio of 0.63, with expected return of about 14.9% and risk of 17.34%. The Sharpe ratio measures return per unit of risk, after accounting for a 4% risk‑free rate—the higher, the better. The optimal mix of these three ETFs reaches a Sharpe of 0.84 with slightly lower risk and similar return, while the minimum‑variance mix is even calmer with a Sharpe of 0.78. The good news is your current allocation already sits on or very near the efficient frontier, meaning it uses these specific holdings efficiently, even if a slightly different mix could fine‑tune the risk/return balance.
Dividends
- Invesco NASDAQ 100 ETF 0.50%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.20%
The blended dividend yield is about 1.2%, with the US growth fund yielding roughly 0.5%, the broad US fund about 1.1%, and international around 2.8%. Dividends are cash payments from companies and can be an important part of long‑term total return, especially when reinvested. This portfolio is clearly tilted more toward growth than income, as shown by the relatively low overall yield. That aligns well with a long‑term growth focus rather than funding near‑term spending. Over time, reinvesting those dividends—modest as they are—still provides a quiet boost to compounding, especially in tax‑advantaged accounts where distributions face fewer frictions.
Ongoing product costs
- 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) 0.06%
The total expense ratio (TER) of the portfolio is about 0.06%, thanks to very low‑cost Vanguard funds and a reasonably cheap NASDAQ 100 ETF at 0.15%. TER is the annual fee charged by funds, expressed as a percentage of assets. Costs work like friction in a machine: the lower they are, the more of the investment return you actually keep. These costs are impressively low and compare very favorably with the industry, which is a big structural win. Over 10–20 years, saving even 0.3–0.5% per year versus typical higher‑fee products can translate into thousands of extra dollars staying in your account.
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