Globally diversified stock portfolio with strong low cost core and efficient risk return balance
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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VT Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 38.98% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 32.64% -
SP State Street® SPDR® Portfolio S&P 500® ETF
SPYM - US78464A8541 10.73% -
SC Schwab U.S. Large-Cap ETF
SCHX - US8085242019 7.19% -
SW Schwab S&P 500 Index Fund
SWPPX - US8085098551 6.93% -
SC Schwab U.S. Broad Market ETF
SCHB - US8085241029 3.53%
This portfolio is a pure equity mix built mainly from broad, low-cost index funds, with no bonds or alternatives. Almost 40% sits in a total world fund and another third in a total international fund, while the rest is split across several US broad-market and S&P 500 funds. That structure creates a global core plus an extra tilt toward US large caps. A simple, index-heavy setup like this is easy to manage and avoids single-stock risk. The main trade-off is that, without any stabilizing asset class, the ride can be bumpy. Anyone using a structure like this usually pairs it with separate cash or bond holdings elsewhere for ballast.
Growth
Historically, $1,000 invested in this mix in 2016 grew to about $2,974, a compound annual growth rate (CAGR) of 11.58%. CAGR is like average speed on a road trip — it smooths out all the ups and downs into one yearly growth number. This return was just a touch below the global stock market and noticeably below the US market, which had an unusually strong decade. The max drawdown of about -34% during early 2020 is typical for an all-stock portfolio. The key takeaway: performance has been solid and broadly in line with global equities, but it requires comfort with sharp short-term drops.
Projection
The Monte Carlo projection simulates 1,000 possible 15‑year paths using historical patterns to estimate future outcomes. Think of it as replaying history with small random tweaks to see a wide range of what could happen. The median scenario grows $1,000 to about $2,832, with a likely middle band from roughly $1,865 to $4,326. There’s also a wide “tail” where poor paths roughly break even and strong ones get close to $8,000. The average simulated annual return is 8.26%. This is not a promise — it just shows that, based on past data, most scenarios are positive but with big variation. Long-term patience is essential.
Asset classes
- Stocks 89%
- No data 11%
About 89% of the portfolio is clearly in stocks, with the remaining slice tagged as “no data,” which just means the system can’t categorize those holdings. Stocks are growth engines but also the main source of volatility. An equity-heavy mix like this typically suits long horizons where there’s time to recover from downturns. Relative to a classic “balanced” mix that might pair stocks with bonds, this is more growth-oriented and less focused on capital stability. A practical takeaway: if someone needs near-term spending money, that cash is usually better held outside a stock-only portfolio to avoid forced selling after a market drop.
Sectors
- Technology 21%
- Financials 16%
- Industrials 12%
- Consumer Discretionary 8%
- Health Care 8%
- Telecommunications 6%
- Basic Materials 5%
- Consumer Staples 5%
- Energy 4%
- Utilities 3%
- Real Estate 2%
- Consumer Discretionary 1%
Sector exposure is spread across technology, financials, industrials, consumer areas, health care, telecom, materials, energy, utilities, and real estate. Technology is the largest slice at 21%, but not overwhelmingly so; financials and industrials together form a solid secondary anchor. This profile is broadly similar to global market weights, which is a good sign for diversification and keeps the portfolio from being overly tied to one economic theme. In periods of rising rates or regulatory change, certain sectors may swing more, but no single area appears extreme. That alignment with broad benchmarks is a strength and supports smoother behavior across different business cycles.
Regions
- North America 45%
- Europe Developed 18%
- Japan 8%
- Asia Developed 7%
- Asia Emerging 7%
- Australasia 2%
- Africa/Middle East 2%
- Latin America 1%
Geographically, about 45% is in North America, with meaningful exposure to developed Europe, Japan, other developed Asia, and emerging Asia, plus smaller stakes in Australasia, Africa/Middle East, and Latin America. This is closer to a true global market spread than many portfolios that heavily overweight the US. Such global reach reduces dependence on any one economy, central bank, or political system. It also means returns won’t always match US headlines — some years non-US regions may lag or lead significantly. Overall, this geographic mix is well-balanced and aligns closely with global standards, which is a strong foundation for long-term diversification.
Market capitalization
- Mega-cap 40%
- Large-cap 28%
- Mid-cap 16%
- Small-cap 4%
Most of the money sits in mega-cap and large-cap companies, with smaller slices in mid and small caps. That’s exactly what you’d expect from market-cap-weighted index funds: the largest global companies dominate. Large and mega caps are typically more stable, mature businesses with deeper liquidity and more analyst coverage, which can help during crises. The modest mid and small-cap exposure adds some growth and diversification, but won’t radically change the portfolio’s behavior. In practice, this means returns will broadly track big global blue-chip stocks; more dramatic small-cap swings will play only a supporting role in overall volatility and performance.
True holdings
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NV NVIDIA Corporation 3.03%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
AA Apple Inc 2.73%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
MS Microsoft Corporation 2.03%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.65%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
AM Amazon.com Inc 1.48%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.27%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
AV Broadcom Inc 1.08%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.02%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.97%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
TS Tesla Inc 0.77%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total World Stock Index Fund ETF Shares
- Top 10 total 16.03%
Looking through the funds, the biggest underlying exposures are familiar mega-cap names like NVIDIA, Apple, Microsoft, TSMC, Amazon, Alphabet, Broadcom, Meta, and Tesla. These appear across several ETFs, so their combined weight is higher than any single fund suggests. Because we only see ETF top-10 holdings, overlap is likely understated, but it still signals meaningful concentration in a handful of global giants. That’s not unusual for cap-weighted indexes, where the largest companies dominate. The takeaway: even with many funds, return and risk will be heavily influenced by how a relatively small set of mega-cap stocks performs, especially in tech-related areas.
Factors
Factor exposure is mostly neutral across value, size, momentum, quality, and yield, meaning the portfolio behaves like the broad market on those dimensions. Factor exposure is just how much a portfolio leans into traits that research links to returns, like cheapness (value) or price trends (momentum). The one notable tilt here is toward low volatility, at 61%, which is mildly above market average. That suggests a slight preference for steadier stocks that historically bounce around less than the market. Over time, such a tilt can soften some drawdowns but may also lag in roaring risk-on rallies. Overall, factor balance looks healthy and well-rounded.
Risk contribution
-
Vanguard Total World Stock Index Fund ETF Shares
Weight: 38.98% 39.4% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 32.64% 31.4% -
State Street® SPDR® Portfolio S&P 500® ETF
Weight: 10.73% 10.9% -
Schwab U.S. Large-Cap ETF
Weight: 7.19% 7.4% -
Schwab S&P 500 Index Fund
Weight: 6.93% 7.1% - Top 5 risk contribution 96.3%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the three largest funds — global, international, and a US index ETF — make up about 82% of total risk, very close to their combined position size. Their risk/weight ratios hover around 1.0, meaning no single holding is dramatically more volatile than its share of the portfolio. That’s a positive sign: risk is broadly aligned with intentional allocation, rather than being dominated by a surprise outlier. Rebalancing, if done, would mostly be about maintaining the chosen global vs. US mix rather than taming a rogue position.
Redundant positions
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High correlationSchwab U.S. Large-Cap ETFVanguard Total World Stock Index Fund ETF SharesSchwab U.S. Broad Market ETFState Street® SPDR® Portfolio S&P 500® ETFSchwab S&P 500 Index Fund
Many of the funds are highly correlated, especially the broad US and world equity ETFs, meaning they tend to move almost in sync day to day. Correlation is simply how similarly two investments move; high correlation reduces diversification benefits because everything rises and falls together in stressful markets. This is natural when several funds track overlapping large-cap indices. It doesn’t mean the portfolio is badly constructed, just that holding multiple similar US broad-market funds mainly adds redundancy, not new risk patterns. The true diversification here comes from the global allocation rather than from switching among slightly different US index providers.
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 vs. return chart shows the portfolio sitting on or very near the efficient frontier, which is the curve of best possible returns for each risk level using the existing holdings. The Sharpe ratio, a measure of risk-adjusted return, is 0.49 versus 0.78 for the optimal mix and 0.63 for the minimum-variance mix. That means there are slightly more efficient combinations of the same funds, but the current allocation is already in a strong, efficient zone. In practice, small tweaks could marginally improve the balance, yet there’s no glaring inefficiency; the structure is doing essentially what it should for the chosen risk level.
Dividends
- Schwab U.S. Broad Market ETF 1.10%
- Schwab U.S. Large-Cap ETF 1.10%
- Schwab S&P 500 Index Fund 1.10%
- Vanguard Total World Stock Index Fund ETF Shares 1.70%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- State Street® SPDR® Portfolio S&P 500® ETF 1.10%
- Weighted yield (per year) 1.89%
The portfolio’s overall dividend yield sits around 1.89%, with especially higher yield from the international equity fund and lower yields from US-focused funds. Dividend yield is the annual cash payout as a percentage of price, like getting a small “rent check” from your shares. A sub‑2% yield is typical for a growth-oriented global equity mix today. For someone seeking income, this level means dividends are a nice supplement, not a primary cash-flow source. For long-term growth, reinvesting these dividends can quietly boost compounding over time, even if the amounts feel modest year to year. The yield profile is consistent with modern broad index investing.
Ongoing product costs
- Schwab U.S. Broad Market ETF 0.03%
- Schwab U.S. Large-Cap ETF 0.03%
- Schwab S&P 500 Index Fund 0.02%
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.05%
Weighted average costs are impressively low at about 0.05% per year. That’s the TER, or Total Expense Ratio — the annual fee the funds charge to manage and operate, taken directly from fund assets. For context, many actively managed funds still charge 0.5–1.0% or more, so this fee level is extremely efficient. Keeping costs this low is one of the few “free lunches” in investing, because every dollar not spent on fees stays invested and compounds over time. This cost structure is a major strength of the portfolio and strongly supports long-term performance, especially over multi-decade horizons.
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