Balanced global stock portfolio tilted to US growth with efficient risk adjusted structure
Report created on Apr 9, 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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QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 40.00% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 40.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00%
The portfolio is straightforward: three broad equity ETFs, all in stocks, with 40% in a NASDAQ-100 fund, 40% in a total US market fund, and 20% in a total international ex-US fund. That creates a growth-leaning, but still reasonably diversified, all-stock mix. Having just three building blocks keeps things simple and transparent, which is great for maintenance and understanding what’s driving results. The main implication is that every dollar is exposed to stock market ups and downs, with no bonds or cash to soften volatility. For someone wanting long-term growth and who can live with swings, this structure is clean and purposeful.
Growth
From late 2020 to early 2026, $1,000 grew to about $1,948, a compound annual growth rate (CAGR) of 13.01%. CAGR is like your average speed on a road trip, smoothing out the bumps. That’s slightly below the US market’s 13.77% but comfortably above the global market’s 11.87%. The portfolio saw a max drawdown of about -29.6%, deeper than the US market but similar to global stocks, and took more than a year to fully recover. This pattern fits a growthy equity mix: strong long-term compounding with meaningful but survivable drawdowns that require patience.
Projection
The Monte Carlo projection runs 1,000 simulated futures based on how similar portfolios behaved historically, then randomizes paths to show a range of potential outcomes. After 15 years, the “most likely” median outcome is about $2,868 from $1,000, with a broad possible range from roughly break-even to more than sevenfold growth. The simulated average annual return of 8.18% is lower than recent history, reflecting a more conservative forward look. It’s crucial to remember simulations aren’t forecasts; they’re what-if scenarios using past data. They show that equities can deliver strong growth but with a real possibility of long, flat or choppy periods.
Asset classes
- Stocks 100%
Every dollar here is in stocks, with 0% in bonds, cash, or alternatives. That’s why this is tagged as a growth-oriented profile. Pure equity portfolios historically offer higher long-term returns than mixes including bonds, but they can fall sharply and stay down for extended stretches. There’s no built-in “shock absorber” to cushion market crashes or fund near-term spending. This setup is well-suited to goals decades away, like retirement for someone with a strong stomach for volatility. For shorter horizons or big upcoming cash needs, investors often prefer at least some allocation to steadier asset classes.
Sectors
- Technology 36%
- Telecommunications 11%
- Consumer Discretionary 11%
- Financials 9%
- Industrials 9%
- Health Care 8%
- Consumer Staples 7%
- Basic Materials 3%
- Energy 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is clearly tilted toward growth areas, with technology around a third of the portfolio, plus meaningful exposure to telecommunications and consumer discretionary. More cyclical or defensive sectors like utilities, real estate, and energy are minor positions. Compared with a broad global stock benchmark, this is more tech- and growth-heavy, which has been a tailwind in recent years. The flip side is sensitivity to interest rates and innovation cycles: if high-growth, tech-related names fall out of favor, this portfolio is likely to feel that more than a sector-balanced mix. That’s a conscious tradeoff in pursuit of higher growth.
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, roughly 81% is in North America, with modest slices in developed Europe and Japan and smaller pieces across the rest of the world. That means results are heavily tied to the US economy, corporate earnings, and the dollar. This is actually pretty close to global market weights today, where the US dominates, and it has been rewarding over the last decade. The smaller international stake still adds useful diversification: different economic cycles, currencies, and policy regimes. If non-US markets outperform in the future, this portfolio will participate, though not as fully as a more globally balanced mix.
Market capitalization
- Mega-cap 46%
- Large-cap 33%
- Mid-cap 16%
- Small-cap 3%
- Micro-cap 1%
Most of the exposure is in mega-cap and large-cap firms (about 79% combined), with the rest spread across mid, small, and micro caps. Large companies tend to be more stable, transparent, and widely followed, which can reduce company-specific blowups compared with portfolios overloaded in tiny names. The modest allocation to smaller caps brings some extra growth potential and diversification, since smaller firms don’t always move in lockstep with giants. Overall, this size mix looks close to a standard global market-cap-weighted profile, which is a sensible, evidence-backed backbone for long-term investing.
True holdings
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NV NVIDIA Corporation 5.93%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 5.40%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.99%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 3.05%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.50%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 2.21%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 2.16%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.11%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 2.10%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
WM Walmart Inc. Common Stock 1.37%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 30.83%
Looking through ETF top holdings, a big chunk of risk is tied to a handful of mega-cap growth names: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Broadcom, Tesla, and Walmart together form a sizeable slice. These companies appear in more than one fund, creating overlap and hidden concentration beyond what the three-ETF structure suggests. Because only top-10 positions are captured, the true overlap is likely somewhat higher. The implication is that portfolio behavior will be heavily influenced by how large US growth and tech-adjacent giants perform, even though the funds themselves look broadly diversified on the surface.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility is broadly neutral, sitting close to market averages. Factors are like “personality traits” of stocks that research has linked to returns over time. A neutral profile means the portfolio isn’t making big bets on cheap versus expensive, smaller versus bigger, or defensive versus aggressive stocks. Instead, it behaves much like the broad market on these dimensions. That’s a positive sign of balance: performance should be driven more by overall market direction and sector/geography tilts than by specialized factor strategies, which can go in and out of favor.
Risk contribution
-
Invesco NASDAQ 100 ETF
Weight: 40.00% 47.8% -
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 40.00% 37.4% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 14.8%
Risk contribution shows how much each holding drives the portfolio’s overall volatility, which can differ from simple weights. Here, the NASDAQ-100 ETF is 40% of the assets but contributes nearly 48% of total risk, reflecting its higher volatility and growth tilt. The US total market ETF pulls slightly less risk than its weight, and the international ETF even less, acting as a modest stabilizer. The message is clear: the NASDAQ slice is the main “engine” for both gains and swings. Tweaking its share up or down is the single biggest lever for changing how bumpy the ride feels.
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 portfolio sitting right on or very close to the frontier, with a Sharpe ratio of 0.55. The Sharpe ratio measures return per unit of risk, after accounting for a 4% risk-free rate; higher is better. The “optimal” mix of these same three funds would slightly increase risk-adjusted returns (Sharpe 0.74) with similar or even a bit lower volatility, but the current setup is already quite efficient for its risk level. That’s encouraging: within these holdings, there isn’t a big missed opportunity from poor weighting, just a fine-tuning question.
Dividends
- Invesco NASDAQ 100 ETF 0.50%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.20%
The overall dividend yield is about 1.2%, with the NASDAQ-100 fund yielding around 0.5%, US total market roughly 1.1%, and international around 2.8%. That’s a modest income stream, consistent with a growth-oriented, tech-tilted equity mix. Dividends can be thought of as cash “interest” on your shares, which can help smooth returns when markets are flat or negative, especially if reinvested. Here, most of the expected payoff is in capital gains rather than income. This suits investors focused on long-term growth over current cash flow and comfortable not relying on the portfolio for steady yearly payouts.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- 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) 0.08%
The blended total expense ratio (TER) is about 0.08%, which is impressively low. TER is the annual fee the funds charge, taken quietly in the background. Keeping this number small is one of the few levers investors fully control, and it compounds powerfully over decades. Paying under 0.10% for broad equity exposure is better than what many investors get and aligns with best practices in low-cost indexing. This cost efficiency means more of the portfolio’s gross return stays in the investor’s pocket, boosting the odds of meeting long-term goals without taking extra risk.
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