Growth focused global stock portfolio with strong technology tilt and broadly diversified international exposure
Report created on May 6, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 34.00% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 33.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 33.00%
This portfolio is built from three broad stock ETFs split almost evenly between them. One fund covers the total US market, another targets US technology companies specifically, and the third holds international stocks outside the US. That structure makes the portfolio simple to understand while still being global in scope. Because everything here is in equities, the portfolio’s ups and downs are tied directly to stock market movements rather than bonds or cash. The extra dedicated technology slice adds a growth tilt on top of the already diversified US and international core. This kind of three-fund setup keeps the lineup uncluttered, which can make it easier to monitor and understand how each piece affects overall behavior.
Growth
From 2016 to 2026, $1,000 in this portfolio grew to about $5,090, giving a compound annual growth rate (CAGR) of 17.75%. CAGR is like the average speed on a long road trip: it smooths out bumps to show the steady yearly pace. Over the same period, the US market returned 15.24% per year and the global market 12.69%, so this mix outpaced both. The worst peak‑to‑trough drop was about ‑33% during early 2020, similar to the benchmarks’ drawdowns. That means the portfolio took equity‑like hits in crises but was rewarded with higher long‑term growth. As always, this strong historical run does not guarantee similar future results.
Projection
The Monte Carlo projection uses past data to simulate many possible future paths for $1,000 over 15 years. Think of it as running 1,000 different “what if” market scenarios and seeing where the ending values land. The median outcome is about $2,713, with a likely middle range between roughly $1,811 and $4,010. In more extreme cases, simulations span from around $950 to $7,472, and about three‑quarters of paths finish positive. The average simulated annual return is 8%. These ranges show that even with an equity‑heavy portfolio, outcomes can vary a lot. Monte Carlo tools rely on historical patterns, so they are helpful for framing uncertainty, not for precise forecasting.
Asset classes
- Stocks 100%
All of this portfolio is invested in stocks, with 0% allocated to bonds, cash, or alternative assets. That creates a clear growth orientation: when stocks do well, the portfolio fully participates, but there is no built‑in cushion from more defensive asset classes during market stress. Compared with broad global benchmarks, which often include some bonds, this is a more return‑seeking and volatility‑accepting structure. A 100% equity mix tends to experience larger swings over shorter periods but can historically offer higher long‑term return potential. This all‑stock profile aligns with the “growth” risk classification and explains why the risk score is toward the higher end of the scale.
Sectors
- Technology 48%
- Financials 12%
- Industrials 9%
- Consumer Discretionary 6%
- Health Care 6%
- Telecommunications 5%
- Consumer Staples 3%
- Basic Materials 3%
- Energy 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is clearly tilted toward technology at 48%, with the rest spread across financials, industrials, consumer discretionary, health care, telecom, and smaller slices in other sectors. Relative to a typical global stock index, which generally has a lower tech weight, this represents a meaningful overweight. High tech exposure often benefits from innovation and earnings growth, but it can also be more sensitive to interest rate moves and shifts in investor sentiment toward growth companies. The remaining sectors provide some balance, yet day‑to‑day moves will likely be heavily influenced by how technology shares perform. This concentration helps explain both strong past returns and potential for sharper volatility.
Regions
- North America 69%
- Europe Developed 12%
- Japan 5%
- Asia Developed 5%
- Asia Emerging 5%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 69% of the portfolio sits in North America, with the rest mostly in developed and emerging markets across Europe and Asia plus small slices in other regions. That North American weight is somewhat above a pure global market allocation, which usually has the US closer to 60%, but it still retains meaningful international diversification. International exposure can help when different economies or currencies move out of sync with the US. At the same time, a strong US tilt means results will be closely tied to the American market and dollar. This structure balances global reach with a clear anchor in the home market.
Market capitalization
- Mega-cap 45%
- Large-cap 29%
- Mid-cap 16%
- Small-cap 6%
- Micro-cap 2%
By market capitalization, the portfolio leans heavily toward larger companies: 45% mega‑cap and 29% large‑cap, with the remaining quarter spread across mid, small, and micro‑caps. That pattern is close to typical broad equity indices, which are dominated by large global firms. Bigger companies often have more diversified businesses and more stable earnings, which can reduce company‑specific risk compared with very small firms. The slice in mid and smaller caps still adds some extra growth potential and different behavior patterns. Overall, this market‑cap mix supports a balance between stability from giants and dynamism from smaller companies, while avoiding an extreme tilt toward tiny, more volatile names.
True holdings
-
NV NVIDIA Corporation 8.29%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 7.24%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 4.86%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.24%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.14%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
AM Amazon.com Inc 1.09%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 0.90%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 0.72%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.68%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 0.67%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Top 10 total 27.82%
Looking through ETF top‑10 holdings, several large technology and platform companies appear prominently, including NVIDIA, Apple, Microsoft, Broadcom, and others. NVIDIA and Apple stand out, together accounting for over 15% of the portfolio when aggregating across funds. Because the same companies show up in multiple ETFs, there is hidden concentration: the actual influence of these few names is larger than any single ETF weight suggests. Coverage here is only about a third of total holdings, since it stops at ETF top‑10s, so overlap is likely understated. This concentration helps explain the portfolio’s strong past performance but also means results are sensitive to how these giants fare.
Factors
Factor exposure is very close to market‑like across all six dimensions: value, size, momentum, quality, yield, and low volatility are all in the neutral 40–60% range. Factors are like underlying “ingredients” that explain why groups of stocks behave differently over time. A neutral profile means the portfolio does not strongly lean into or away from any specific academic factor premium. Instead, its behavior is likely to resemble the overall market’s style mix, aside from the explicit tech and geographic tilts already visible in other data. This balanced factor picture can help make performance easier to compare with broad benchmarks without extra factor‑driven surprises.
Risk contribution
-
Vanguard Information Technology Index Fund ETF Shares
Weight: 33.00% 40.9% -
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 34.00% 32.1% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 33.00% 27.0%
Risk contribution shows how much each holding adds to overall volatility, which can differ from simple weights. Here, the US technology ETF has a 33% weight but contributes about 41% of the portfolio’s total risk. In contrast, the total US market and total international funds each contribute slightly less risk than their weights. This tells us the tech slice is the main driver of ups and downs, punching above its size because of higher volatility. When markets move sharply, especially in growth and tech names, that ETF will be a key source of swings, while the broader funds play a somewhat stabilizing role.
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 sitting on or very near the efficient frontier, meaning that, given these three holdings, the current weights deliver an efficient balance between risk and expected return. The Sharpe ratio of 0.69 compares reasonably with 0.65 for the minimum‑variance mix and 0.97 for the more aggressive optimal portfolio. Sharpe ratio is a simple measure of risk‑adjusted return: how much extra return you get per unit of volatility above a risk‑free rate. Being near the frontier is a positive sign, showing the existing allocation is already using these building blocks in a broadly efficient way without obvious structural imbalances.
Dividends
- Vanguard Information Technology Index Fund ETF Shares 0.40%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.40%
The overall dividend yield for the portfolio is about 1.4%, with the international ETF contributing the highest yield and the tech ETF paying very little. Dividends represent cash paid out by companies, which can be either spent or reinvested to buy more shares. In this mix, most of the expected return has historically come from price growth rather than income. That is common for growth‑oriented and technology‑heavy portfolios, where firms often reinvest profits back into the business. For someone tracking total return, lower yield is not inherently negative; it just means performance is more dependent on share price moves than on regular cash distributions.
Ongoing product costs
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- 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) 0.06%
The portfolio’s total expense ratio (TER) is about 0.06%, with underlying ETFs ranging from 0.03% to 0.10%. TER is the annual fee charged by funds, taken out of returns behind the scenes. These levels are impressively low and competitive with the cheapest index‑tracking products in the market. Lower costs mean investors keep more of the portfolio’s gross return each year, and that small difference can compound significantly over decades. In this case, fees are not a major drag and are well‑aligned with best practices for long‑term index investing. The cost structure is a clear strength of this setup.
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