Broad simple equity portfolio with strong US tilt and efficient but fully stock based positioning
Report created on Apr 13, 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
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VO Vanguard S&P 500 ETF
VOO - US9229083632 62.50% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 25.00% -
VB Vanguard Small-Cap Value Index Fund ETF Shares
VBR - US9229086114 12.50%
This portfolio is built from three broad stock ETFs: a large US core, an international slice, and a smaller tilt to domestic small‑cap value. The result is a very straightforward 100% equity mix with 62.5% in a mainstream US index, 25% overseas stocks, and 12.5% in more niche smaller companies. That structure keeps things easy to understand and manage while still adding some diversification levers. Because there are no bonds or cash, the portfolio will closely track global stock markets, rising and falling with them. The main takeaway is that this is a clean, stock‑only setup designed for growth rather than capital stability.
Growth
Over the past decade, a hypothetical $1,000 here grew to about $3,252, for a compound annual growth rate (CAGR) of 12.59%. CAGR is like your average speed on a long road trip, smoothing the bumps along the way. That lagged the broad US market a bit but beat the global market, which is a solid outcome. The worst drop, a max drawdown of about –35%, was slightly deeper than the benchmarks during the 2020 crash, but it recovered in only five months. This shows strong long‑term growth with meaningful but manageable downside, typical for an all‑stock mix. Just remember: past returns don’t guarantee future results.
Projection
The Monte Carlo projection uses the past as raw material to simulate many possible 15‑year paths for this mix, like running 1,000 alternate histories. Across those paths, the median outcome turns $1,000 into about $2,711, with a wide “likely” band between roughly $1,823 and $4,025. There’s also a meaningful chance of flat or even negative real outcomes, shown by the lower tail near $992. The average simulated annual return of 8.08% is healthy for an equity portfolio but not guaranteed. These simulations are a planning tool, not a promise: markets can behave very differently from history, especially over shorter windows.
Asset classes
- Stocks 100%
All of the money here sits in stocks, with no allocation to bonds, cash, or alternatives. That makes the asset mix simple and transparent, but also means there’s no built‑in shock absorber during severe downturns. In multi‑asset portfolios, bonds often play the role of stabilizers, softening the ride when equities fall. Here, risk and return are entirely driven by global equity markets. For someone comfortable with that, it can be a very efficient way to pursue growth. For anyone needing shorter‑term liquidity or more predictable outcomes, this lack of defensive assets is the key trade‑off to understand and plan around.
Sectors
- Technology 26%
- Financials 15%
- Industrials 12%
- Consumer Discretionary 10%
- Health Care 9%
- Telecommunications 8%
- Consumer Staples 5%
- Basic Materials 4%
- Energy 4%
- Real Estate 3%
- Utilities 3%
Sector exposure is fairly broad, with technology the largest slice at 26%, followed by meaningful stakes in financials, industrials, consumer discretionary, and health care. This lines up well with major global benchmarks and is a strong indicator of healthy diversification. It avoids big bets on narrow themes and mirrors the modern economy reasonably well. A tech tilt this size does mean more sensitivity to interest‑rate shifts and innovation cycles, but not in an extreme way. The allocation across other areas like telecoms, staples, materials, energy, real estate, and utilities rounds out the mix, helping spread risk across different business drivers.
Regions
- North America 77%
- Europe Developed 9%
- Japan 4%
- Asia Developed 4%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 77% is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and a modest slice in emerging regions. This is more US‑heavy than a pure global market portfolio but still includes a meaningful international component. That US tilt has been a tailwind over the last decade, as domestic stocks outpaced much of the world. At the same time, the overseas exposure adds some diversification to different economies and currencies. The key point is that results will be driven primarily by US market dynamics, with international holdings playing more of a supporting role.
Market capitalization
- Mega-cap 40%
- Large-cap 30%
- Mid-cap 19%
- Small-cap 8%
- Micro-cap 2%
The portfolio spans the market‑cap spectrum, with 40% in mega‑caps, 30% in large‑caps, and the rest spread across mid, small, and micro‑caps. That’s a nice balance: mega and large companies offer stability and deep liquidity, while smaller firms add potential for higher growth and different return patterns. The deliberate 12.5% allocation to a small‑cap value ETF boosts exposure to these more volatile segments, lifting both risk and diversification. This structure is well aligned with broad global norms but with a slight lean toward smaller names. It’s a solid way to capture the full equity universe rather than just the biggest companies.
True holdings
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NV NVIDIA Corporation 4.58%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc 4.15%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.10%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.17%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.93%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.61%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.54%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.50%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.20%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 0.98%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 22.74%
Looking through the ETFs, the largest underlying exposures are familiar US giants like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Berkshire. These appear via indices, not as single‑stock bets, but they still create some “hidden” concentration because they show up in more than one fund. Since only the top‑10 holdings per ETF are captured, real overlap is actually higher. This kind of index‑driven concentration is normal today and has worked very well recently, but it does mean portfolio behavior is heavily influenced by a handful of mega‑cap growth names. Being aware of that helps set expectations if these leaders cool off.
Factors
Factor exposures are broadly neutral across value, size, momentum, quality, yield, and low volatility. Factor exposure describes how much a portfolio leans into certain characteristics that research links to long‑term returns, like cheapness (value) or trend strength (momentum). Here, all readings sit close to 50%, which is essentially “market‑like.” That means the portfolio isn’t making any big active bets on specific factors; it behaves similarly to broad indices. This kind of balanced factor profile is attractive for investors who prefer not to gamble on particular styles being in or out of favor and want a more all‑weather equity mix.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 62.50% 63.5% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 25.00% 22.4% -
Vanguard Small-Cap Value Index Fund ETF Shares
Weight: 12.50% 14.1%
Risk contribution shows how much each holding drives overall ups and downs, which can differ from its weight. The S&P 500 ETF is 62.5% of capital but contributes about 63.5% of volatility, so risk and weight are well aligned. The international fund contributes slightly less risk than its 25% share, while the small‑cap value ETF adds a bit more risk than its 12.5% weight, which fits its more volatile profile. Together, the three holdings explain essentially all portfolio risk. This pattern is healthy: the main core fund carries the most risk, and the satellite positions shift behavior modestly rather than dominating it.
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 shows this portfolio sits right on or very close to the efficient frontier. The efficient frontier is the curve of best possible returns for each risk level using the current holdings in different mixes. With a Sharpe ratio of 0.53, the portfolio’s risk‑adjusted return is slightly below the theoretical max Sharpe of 0.77 but still within an efficient band. The minimum‑risk version would be only a bit less volatile. Overall, this suggests the existing weights are already doing a good job of balancing risk and reward using these three funds, without obvious inefficiencies to fix.
Dividends
- Vanguard Small-Cap Value Index Fund ETF Shares 1.80%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.61%
The combined dividend yield is about 1.61%, with the international fund offering the highest yield and the small‑cap value ETF also contributing. Dividend yield is the annual cash payout as a percentage of the investment, like interest on a savings account, but less predictable. Here, income is modest; most of the long‑term return is expected to come from price growth rather than dividends. That fits a growth‑oriented equity strategy and keeps tax drag lower in some cases. For someone not relying on portfolio income today, this kind of yield profile is perfectly reasonable and consistent with broad index investing.
Ongoing product costs
- Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
Total ongoing costs are impressively low at around 0.04% per year, thanks to the use of Vanguard index ETFs. The Total Expense Ratio (TER) is like a small annual maintenance fee expressed as a percentage of assets. Here, those fees are far below many actively managed funds and even below some other index products. Over long horizons, shaving even a few tenths of a percent off costs can add up to thousands of dollars in extra wealth. This cost profile is a real strength: it means more of the portfolio’s market return stays in your pocket rather than going to managers.
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