Broad low cost global equity mix with strong US focus and efficient risk balance
Report created on Jul 9, 2026Risk profile
4/7
Diversification profile
4/5
Positions
-
SP State Street® SPDR® Portfolio S&P 500® ETF
SPYM - US78464A8541 30.00% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 20.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 15.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 15.00%
This portfolio is a five-ETF, all-equity mix with a clear tilt toward US stocks and some global diversification. About two-thirds of the weight sits in broad US and global index funds, while the rest leans into the Nasdaq 100 and a US dividend ETF. The structure means most of the heavy lifting comes from large, diversified index exposure, with the more focused funds adding extra growth and income characteristics. Because everything here is stock-based, short-term ups and downs can be meaningful, but the mix of broad market, growth-oriented, and dividend strategies creates several different “engines” for returns within that equity-only framework.
Growth
From October 2020 to June 2026, a hypothetical $1,000 in this portfolio grew to $2,162, a compound annual growth rate (CAGR) of 14.53%. CAGR is like average speed on a road trip: it smooths the ride to show how fast you travelled overall. The portfolio slightly trailed the US market benchmark by 0.83% per year but outpaced the global market by 1.04% annually. Its worst peak-to-trough drop (max drawdown) was -25.17%, similar to both benchmarks, and it took about 14 months to fully recover. Returns were concentrated in just 27 days, highlighting how missing a handful of strong days can significantly change long-term outcomes.
Projection
The Monte Carlo projection uses 1,000 simulated paths based on historical patterns to estimate a range of future outcomes. Think of it as rolling the dice many times using past volatility and returns as a guide. Over 15 years, the median outcome grows $1,000 to about $2,658, with a wide “likely” range from roughly $1,707 to $4,168. The overall average annualized return across simulations is 7.84%, and about 71% of paths end up above the starting value. These numbers are not promises; they simply show what could happen if future behavior rhymes with the past, while still allowing for both weak and very strong scenarios.
Asset classes
- Stocks 70%
- No data 30%
On the asset class view, 70% of the portfolio is tagged as stocks, with 30% shown as “No data,” which just means the system doesn’t have a classification for those parts. What is visible confirms the design: this is effectively an equity-only setup, not a mix of stocks and bonds. That matters because, without explicit bond or cash exposure, the portfolio’s risk and return are driven almost entirely by stock market behavior. Historically, all-stock portfolios have offered higher growth potential but also more pronounced drawdowns, so the main diversification here comes from differences within equities rather than across asset classes.
Sectors
- Technology 22%
- Financials 8%
- Industrials 7%
- Health Care 7%
- Consumer Discretionary 6%
- Telecommunications 6%
- Consumer Staples 6%
- Energy 4%
- Basic Materials 2%
- Utilities 1%
- Real Estate 1%
Sector exposure is well spread, with technology the largest slice at 22% and several other sectors each in the mid- to high-single digits. Financials, industrials, health care, consumer discretionary, telecom, and staples all show meaningful but not dominant weights, while energy, materials, utilities, and real estate remain smaller. This pattern is broadly similar to common global and US benchmarks, which is a good sign for diversification. A notable tech presence means results can be sensitive to trends in innovation and interest rates, but the breadth across many other sectors helps reduce the impact of any single theme having a rough period.
Regions
- North America 51%
- Europe Developed 7%
- Asia Developed 3%
- Japan 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 51% of the exposure sits in North America, with the rest spread across developed Europe, Japan, other developed Asia, and multiple emerging regions including Asia, Latin America, and Africa/Middle East. This is a clear US-led portfolio, but not a US-only one. The non-US slice brings in different currencies, economic cycles, and policy environments, which can smooth returns when one region lags. Compared with a purely global index, the US share here is somewhat higher, which has recently been beneficial but also concentrates outcomes around one major economy. The presence of multiple smaller regional weights adds a useful layer of global diversification.
Market capitalization
- Large-cap 28%
- Mega-cap 25%
- Mid-cap 12%
- Small-cap 3%
- Micro-cap 1%
By market cap, the portfolio leans heavily toward mega- and large-cap companies, which together make up over half of the exposure, with smaller slices in mid-, small-, and micro-cap stocks. Large and mega caps are typically more established businesses, often with more stable earnings and deeper trading markets, which can make pricing more efficient and liquidity higher. The smaller allocations to mid and small caps introduce some exposure to potentially faster-growing but more volatile companies. Overall, this creates a size mix that broadly resembles major global benchmarks, keeping behavior relatively “market-like” rather than heavily tilted toward either giants or tiny firms.
True holdings
-
NV NVIDIA Corporation 4.93%
Part of fund(s):- Invesco NASDAQ 100 ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc. 4.44%
Part of fund(s):- Invesco NASDAQ 100 ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.17%
Part of fund(s):- Invesco NASDAQ 100 ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.58%
Part of fund(s):- Invesco NASDAQ 100 ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.14%
Part of fund(s):- Invesco NASDAQ 100 ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.01%
Part of fund(s):- Invesco NASDAQ 100 ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.77%
Part of fund(s):- Invesco NASDAQ 100 ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 1.56%
Part of fund(s):- Invesco NASDAQ 100 ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.39%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.02%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 25.00%
Looking through ETF top-10 holdings, several big names show up prominently: NVIDIA, Apple, Microsoft, Amazon, Alphabet (both share classes), Broadcom, Micron, Tesla, and Meta. These positions together account for a meaningful slice of the portfolio, and many likely appear in multiple ETFs, which creates overlap. That overlap means the portfolio is more exposed to a handful of large tech and tech-adjacent companies than the fund count alone might suggest. Because only top-10 holdings are included, actual overlap is probably higher, so the “hidden” concentration in these mega-cap leaders is understated here, even though the overall portfolio still holds thousands of stocks in total.
Factors
Factor exposures across value, size, momentum, quality, yield, and low volatility are all in the “neutral” band, clustering close to 50%. Factors are like underlying traits—such as cheapness, recent performance, or steadiness—that research links to long-term returns. A neutral reading means this portfolio behaves much like the broad market on these dimensions rather than making big bets on any single trait. This well-balanced factor profile helps explain why the historical performance sits near market benchmarks and why the portfolio is unlikely to swing dramatically differently from the overall market purely due to style shifts like growth vs. value or high vs. low dividend.
Risk contribution
-
State Street® SPDR® Portfolio S&P 500® ETF
Weight: 30.00% 30.7% -
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 20.00% 21.3% -
Invesco NASDAQ 100 ETF
Weight: 15.00% 19.4% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 17.6% -
Schwab U.S. Dividend Equity ETF
Weight: 15.00% 11.0%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its simple weight. Here, the three largest positions by weight—SPDR S&P 500, Vanguard Total Stock Market, and the Nasdaq 100 ETF—add up to about 71% of total risk. The Nasdaq 100 ETF is especially notable: at 15% weight it contributes over 19% of risk, a risk/weight ratio of 1.29, reflecting its higher volatility. In contrast, the international and dividend ETFs contribute less risk than their weights. This pattern indicates that a relatively small slice of growth-heavy US exposure has an outsized impact on day-to-day fluctuations.
Redundant positions
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High correlationVanguard Total Stock Market Index Fund ETF SharesState Street® SPDR® Portfolio S&P 500® ETF
The correlation section highlights that the Vanguard Total Stock Market ETF and the SPDR S&P 500 ETF move almost identically. Correlation measures how often assets move together, on a scale from -1 (opposite directions) to 1 (in lockstep). High correlation between these two broad US funds is expected, since they both track very similar parts of the market. This means holding both doesn’t add much diversification between them, but they still diversify the more concentrated Nasdaq 100 and the dividend fund. Overall, the portfolio’s diversification benefits are coming more from geography, sector mix, and style differences than from uncorrelated core US holdings.
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.
On the risk vs. return chart, the current portfolio has a Sharpe ratio of 0.69, with expected return of 15.01% and volatility of 16.01%. The Sharpe ratio is a way of measuring return per unit of risk, after accounting for a 4% risk-free rate. The optimal mix from these same holdings reaches a Sharpe of 0.92, while the minimum variance portfolio sits at 0.85 with lower risk. Importantly, the report notes the current allocation is on or very near the efficient frontier, meaning that for its chosen risk level, the combination of holdings is already using these ETFs in a risk/return-efficient way.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- Schwab U.S. Dividend Equity ETF 0.06%
- 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) 0.05%
The total expense ratio (TER) for the portfolio is low at about 0.05% per year, with individual fund fees ranging from 0.03% to 0.15%. TER is the annual percentage fee charged by funds, and small differences compound over long periods. Here, costs are impressively low, especially given the global reach and targeted exposures included. This aligns well with best practices for index-based investing, where keeping fees down leaves more of the underlying market return in the investor’s hands. Over decades, the difference between a 0.05% and a higher-cost structure can add up significantly, so this fee level is a real structural strength.
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