Broad equity portfolio with strong US focus low costs and balanced style across major investment factors
Report created on May 6, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 60.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 10.00%
This portfolio is a simple four‑ETF equity mix with a clear tilt toward broad US stocks. Around 60% sits in a US large‑cap index fund, 20% in a global ex‑US fund, 10% in US small‑cap value, and 10% in a NASDAQ 100 ETF. Structurally, that means most exposure tracks major market indexes, with a smaller slice leaning toward more growthy tech and another toward smaller, cheaper companies. A fully equity portfolio like this tends to move meaningfully with stock markets, both up and down. The mix of broad market funds plus two more focused ETFs adds some return drivers beyond just a single index while keeping the overall structure straightforward and easy to understand.
Growth
From late 2020 to May 2026, a hypothetical $1,000 in this mix grew to about $2,221, a compound annual growth rate (CAGR) of 15.52%. CAGR is like average speed on a road trip: it smooths out all the bumps to one yearly number. This performance slightly beat the US market benchmark and more clearly outpaced the global market benchmark, while having a max drawdown of about −25%, similar to the US market. Drawdown is the worst peak‑to‑trough fall and shows how painful the worst stretch felt. The long recovery period after 2022 underlines how equity setbacks can take years to fully heal, even when long‑term results look strong.
Projection
The Monte Carlo projection uses past return and volatility patterns to simulate many random future paths. Think of it as rolling the dice 1,000 times on what markets might do, based on history. The median 15‑year outcome turns $1,000 into about $2,780, with a wide “likely” band from roughly $1,752 to $4,228 and a very broad possible band from about $945 to $7,893. The average simulated annual return of 8.09% is much lower than the recent realized 15%+ CAGR, which highlights how strong the last few years have been. As always, these simulations are models, not predictions, and real‑world results can land outside any estimated range.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with no bonds or cash‑like assets in the mix. Equities are typically the main growth engine in long‑term investing because they represent ownership in businesses, but they also swing more than bonds or cash. Having 100% in stocks means the portfolio fully participates in equity market ups and downs rather than smoothing them with lower‑volatility assets. Compared to many blended benchmarks that mix in bonds, this asset‑class choice leans clearly toward growth over stability. The risk score of 4/7 and “balanced” label stems more from diversification within equities than from holding multiple asset classes.
Sectors
- Technology 29%
- Financials 14%
- Consumer Discretionary 11%
- Industrials 10%
- Telecommunications 9%
- Health Care 8%
- Consumer Staples 5%
- Energy 5%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector‑wise, the portfolio is meaningfully tilted toward technology at 29%, with financials, consumer discretionary, and industrials forming the next largest slices. That profile broadly resembles modern broad equity benchmarks, which have also become tech‑heavy as large tech firms have grown. Tech‑heavy allocations often benefit when innovation stories and growth expectations are strong, but they can be more sensitive when interest rates rise or when markets rotate toward more defensive areas. At the same time, the portfolio still includes exposure across all major sectors, which helps avoid relying on a single part of the economy. This mix provides growth potential without becoming a pure single‑sector bet.
Regions
- North America 81%
- Europe Developed 8%
- Japan 3%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 81% of the portfolio sits in North America, with smaller slices in developed Europe, Japan, other developed Asia, and various emerging regions. Global indexes today are also heavily weighted to North America, but this portfolio’s US tilt is a bit stronger than typical world‑market weights. A strong home bias ties results closely to the US economy, corporate earnings, and the US dollar. The remaining non‑US exposure does add diversification, since different regions can move differently, experience distinct economic cycles, and face different policy environments. Overall, the geographic picture shows a clearly US‑led portfolio with a useful but secondary layer of international breadth.
Market capitalization
- Mega-cap 42%
- Large-cap 31%
- Mid-cap 16%
- Small-cap 6%
- Micro-cap 5%
By market capitalization, the portfolio leans toward mega‑ and large‑cap stocks, which together make up around 73% of exposure. These are global household‑name companies that tend to be more established and often less volatile than smaller firms. At the same time, about 27% of the portfolio sits in mid‑, small‑, and micro‑caps, helped by the dedicated small‑cap value ETF. Smaller companies can move more sharply in both directions but sometimes offer different growth and valuation dynamics than giants. This blend gives the portfolio a large‑cap “core” feel while still tapping into the more idiosyncratic behavior of smaller businesses, which can improve diversification within the equity sleeve itself.
True holdings
-
NV NVIDIA Corporation 5.40%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 4.70%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.48%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.68%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.19%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.92%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.80%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.66%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.46%
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 26.24%
Looking through to the largest underlying holdings, a number of mega‑cap US names appear prominently, including NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, and Tesla. These positions together already account for a noticeable share of the portfolio, despite only using top‑10 ETF data, which means true overlap is probably somewhat higher. When the same company shows up in multiple ETFs, it can create hidden concentration: if that stock has a great or terrible year, its impact is amplified. This pattern is common in broad US and tech‑tilted funds and reflects how dominant a handful of firms have become in modern indexes, especially in growth‑oriented segments.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility sits close to neutral for each. Factor exposure describes how much a portfolio leans toward specific characteristics that research links to long‑term returns, like cheapness (value) or trend following (momentum). Here, “neutral” means the portfolio behaves broadly like the overall market on these dimensions, rather than purposefully tilting toward or away from any one style. Even with a dedicated small‑cap value fund and a NASDAQ 100 slice, the broad core holdings dominate. This balanced factor profile tends to avoid extreme booms and busts associated with strong single‑factor bets, and keeps return drivers widely spread.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 60.00% 59.5% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 16.8% -
Invesco NASDAQ 100 ETF
Weight: 10.00% 12.4% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 11.4%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. The main US index ETF is 60% of assets and contributes about 59% of total risk, almost one‑for‑one. The international fund contributes a bit less risk than its 20% weight, while the NASDAQ 100 and small‑cap value ETFs contribute more risk than their 10% allocations. That’s common: more volatile or less diversified funds can “punch above their weight” in risk terms. Together, the top three holdings account for nearly 89% of total risk, so most portfolio movement is explained by those core positions rather than fringe slices.
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 suggests this portfolio sits on or very near the frontier, meaning its mix of holdings is already efficient for its risk level. The Sharpe ratio, which compares extra return to volatility using a risk‑free rate, is 0.72 for the current portfolio. The maximum‑Sharpe blend using just these same ETFs reaches 0.93 with higher expected return and slightly more risk, while the minimum‑variance mix has lower volatility but a Sharpe of 0.82. The key takeaway is that, given only these four funds, the current allocation is not obviously leaving easy risk‑adjusted returns on the table. Any improvement would come from fine‑tuning, not fixing a major imbalance.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco NASDAQ 100 ETF 0.50%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.38%
The overall dividend yield is about 1.38%, coming from a mix of lower‑yielding US growth exposure and higher‑yielding international and value holdings. Yield is the cash income from dividends as a percentage of portfolio value, separate from price changes. The international fund’s roughly 2.7% yield and the small‑cap value ETF’s 1.3% help offset the lower payouts from the NASDAQ 100 and broad US index. In this setup, dividends are a modest but steady component of total return rather than the main focus. Most of the portfolio’s historical growth has likely come from price appreciation, especially in large US and tech‑oriented companies.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- 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) 0.07%
Total ongoing fund costs, measured by the weighted average TER of around 0.07%, are impressively low. TER (Total Expense Ratio) is the annual fee charged by each ETF, expressed as a percentage of invested assets. Low costs matter because they come off returns every year, and even small differences compound meaningfully over long periods. Here, the largest holding charges only 0.03%, and the international fund is also very inexpensive. The slightly higher‑fee small‑cap value and NASDAQ 100 ETFs barely move the overall average. This cost structure is well‑aligned with index‑based, low‑fee best practices and provides a solid foundation for long‑term compounding.
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