Broad low cost global stock mix with balanced risk and strong long term growth focus
Report created on Apr 13, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 56.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 34.00% -
VB Vanguard Small-Cap Index Fund ETF Shares
VB - US9229087518 10.00%
The portfolio is a simple three‑fund, all‑equity mix: a core US large‑cap fund at 56%, a broad international fund at 34%, and a US small‑cap fund at 10%. This creates a “core and satellite” structure, where the core tracks major global markets and the satellite adds extra exposure to smaller companies. That simplicity is powerful because it’s easy to understand and maintain. An all‑stock setup will swing more in the short term than a blend including bonds, but it also generally targets higher long‑run growth. For someone comfortable with ups and downs, this kind of structure is a strong, low‑maintenance framework.
Growth
From 2016 to early 2026, $1,000 grew to about $3,267, a compound annual growth rate (CAGR) of 12.62%. CAGR is like asking, “What steady yearly growth rate would get me from start to finish?” The portfolio slightly lagged the US market but beat the global market, which is a very respectable outcome for a diversified mix. The worst peak‑to‑trough fall was about -34.6% during early 2020, similar to broad markets, and it recovered in roughly five months. That shows solid resilience but also confirms that big drops are part of an all‑equity ride. Past performance is no guarantee, but this history lines up well with the risk label of “balanced but growth‑oriented.”
Projection
The Monte Carlo projection uses historical return and volatility patterns to simulate 1,000 possible 15‑year futures for a $1,000 investment. Think of it as “re‑rolling” past market conditions many times to see a range of outcomes. The median result of about $2,750 (around 7.95% annualized across simulations) suggests solid real growth over long periods, with a 75.5% chance of ending positive. The wide possible range ($1,058 to $7,357) highlights how uncertain any specific path can be. These simulations are useful for planning, but they’re not predictions; future markets can differ significantly from history, especially around rare or extreme events.
Asset classes
- Stocks 100%
All of the portfolio sits in stocks, with 0% in bonds, cash, or alternatives. That gives very clear growth intent and keeps things straightforward, but it also means there’s no built‑in shock absorber during market stress. Asset class mix is one of the biggest drivers of how bumpy the ride feels: more stocks usually means more growth potential and more volatility, while adding bonds typically smooths things out. Relative to many “balanced” portfolios that hold a blend of stocks and bonds, this one is more aggressive in structure, even though its holdings are broadly diversified within equities themselves.
Sectors
- Technology 26%
- Financials 16%
- Industrials 13%
- 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 spread out, with technology around a quarter of the portfolio, financials in the mid‑teens, and meaningful allocations to industrials, consumer cyclical areas, healthcare, telecom, and others. This looks broadly similar to major global equity benchmarks, which is a strong sign of healthy diversification. A tech‑leaning mix can do very well during innovation booms but can also feel more sensitive when interest rates rise or sentiment turns against growth companies. Overall, this sector composition is well‑balanced and aligns closely with global standards, giving a good blend of cyclical growth potential and more defensive business types.
Regions
- North America 68%
- Europe Developed 13%
- Japan 5%
- Asia Developed 5%
- Asia Emerging 5%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 68% is in North America with the rest spread across developed Europe, Japan, developed Asia, emerging Asia, Australasia, Latin America, and Africa/Middle East. That means there is clear home‑country tilt toward the US, but still meaningful exposure to the rest of the world. Compared with a truly global market benchmark, the US share is somewhat higher, which has helped over the past decade. The trade‑off is that outcomes are still heavily tied to one economy and currency. The international allocation is large enough, though, that foreign growth, currencies, and policy cycles can provide some diversification and opportunity.
Market capitalization
- Mega-cap 42%
- Large-cap 30%
- Mid-cap 19%
- Small-cap 7%
- Micro-cap 1%
By market cap, the portfolio leans toward bigger companies: around 42% in mega‑caps and 30% in large‑caps, with the rest spread across mid‑caps, small‑caps, and a sliver of micro‑caps. This reflects the typical structure of broad market indexes, where the largest firms dominate. The 10% dedicated small‑cap fund bumps up exposure to smaller businesses, which can boost long‑term returns but also adds volatility. In practice, this mix means most of the portfolio behaves like broad, mature markets, while a minority slice introduces more growth‑oriented, higher‑risk names. That’s a sensible way to get some “extra” return potential without overloading on small companies.
True holdings
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NV NVIDIA Corporation 4.10%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc 3.72%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 2.78%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 1.94%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.72%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.44%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.38%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.34%
Part of fund(s):- Vanguard S&P 500 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.16%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
TS Tesla Inc 1.08%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Top 10 total 20.66%
Looking through the funds, the largest underlying exposures are the usual mega‑cap giants: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Taiwan Semiconductor. Several of these appear in more than one ETF, creating hidden concentration even though there are only three tickers in the portfolio. Because only top‑10 holdings are analyzed, true overlap is probably a bit higher. This matters because when the same big names drive multiple funds, the portfolio can behave more like a “mega‑cap tech‑tilted” basket during extreme markets, even if that isn’t obvious from the ticker list alone.
Factors
Factor exposures across value, size, momentum, quality, low volatility, and yield are all near neutral, meaning the portfolio behaves a lot like the overall market on these characteristics. Factors are just traits like “cheap vs. expensive” or “steady vs. jumpy” that research links to long‑run performance differences. With no strong tilts, returns will mainly track broad equity markets rather than relying on specialized factor bets. This is a positive sign: it suggests the portfolio is well‑balanced across factors, reducing the risk that it strongly underperforms just because one particular style (like value or momentum) goes through a rough patch for several years.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 56.00% 57.1% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 34.00% 31.4% -
Vanguard Small-Cap Index Fund ETF Shares
Weight: 10.00% 11.5%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the S&P 500 ETF is 56% of assets but about 57% of risk, the international fund is 34% of assets yet roughly 31% of risk, and the small‑cap ETF is 10% of assets but over 11% of risk. That higher risk/weight for small‑caps reflects their extra volatility. This pattern is very reasonable: nothing is wildly out of line with its size. If, in the future, one piece started contributing far more risk than its weight, small adjustments in position sizing or rebalancing could bring things back in line with comfort levels.
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 efficient frontier analysis shows the current portfolio is on or very close to the frontier, meaning it’s using its three holdings in a highly efficient way for its chosen risk level. The Sharpe ratio, which measures return per unit of risk (higher is better), is 0.54 for the current mix versus 0.79 at the theoretical optimum and 0.65 for the minimum‑variance mix. That says there is some room to tweak weights for slightly better risk‑adjusted returns, but the existing allocation is already quite strong. It’s reassuring that no new products or complex changes are needed to be broadly efficient.
Dividends
- Vanguard Small-Cap Index Fund ETF Shares 1.30%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.70%
The portfolio’s overall dividend yield is about 1.70%, with the international fund providing the highest yield and the US funds paying lower amounts. Yield is the annual cash income from dividends as a percentage of the portfolio’s value. For an equity‑heavy, growth‑focused mix, a modest yield like this is very normal; most of the return is expected from price appreciation rather than income. That makes this setup better suited to long‑term compounding than to funding near‑term spending needs. If income becomes a bigger priority later, investors often shift gradually toward holdings with higher, more stable yields.
Ongoing product costs
- Vanguard Small-Cap Index Fund ETF Shares 0.05%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
The total expense ratio (TER) across the three ETFs averages roughly 0.04%, which is extremely low by any standard. TER is the annual fee the fund charges, taken directly out of returns, like a tiny “management toll.” Keeping this cost near zero is a big structural advantage, because every dollar not paid in fees can keep compounding for decades. Relative to many active funds that might charge 0.5%–1% or more, this difference really adds up over long horizons. The costs are impressively low and provide a solid foundation for better long‑term performance without having to take extra risk.
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