Broad global stock portfolio with strong tech influence and efficient risk adjusted performance
Report created on Apr 4, 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 Stock Market Index Fund ETF Shares
VTI - US9229087690 60.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 25.00% -
QQ Invesco QQQ Trust
QQQ - US46090E1038 15.00%
The portfolio is a very clean three‑fund setup: a broad US stock ETF at 60%, a broad international stock ETF at 25%, and a focused growth/tech ETF at 15%. That means 85% is in total-market style funds and 15% adds extra growth tilt. Structurally, this is simple, transparent, and easy to manage. A straightforward mix like this makes it easier to understand what’s driving returns and risk compared with a long list of overlapping funds. The main takeaway is that this is a pure equity, growth‑oriented portfolio built around low-cost, broad diversification with a deliberate satellite tilt toward faster‑growing companies.
Growth
From 2016 to 2026, $1,000 grew to about $3,620, which is a compound annual growth rate (CAGR) of 13.77%. CAGR is like your average speed on a long road trip, smoothing out ups and downs. This slightly lagged the US market by 0.37% per year but beat the global market by 2% annually, which is a solid outcome. The max drawdown was about -33% during early 2020, very similar to both benchmarks, showing equity‑level volatility. The portfolio bounced back in roughly four months, which is encouraging for long‑term investors. The key lesson is that returns have been strong, but staying invested through big drops was essential to capturing them.
Projection
The Monte Carlo projection uses many random paths based on historical return and volatility patterns to estimate possible futures. Think of it as running 1,000 “what if” market timelines for the next 15 years. The median outcome is about $2,723 from $1,000, with a wide possible range from roughly $935 to $8,352. The average simulated annual return is 8.1%, and about 73% of simulations end positive. This shows a decent probability of growth but with a lot of uncertainty, which is normal for an all‑stock portfolio. It’s important to remember these are scenarios, not promises; future markets may behave very differently from the past data feeding the simulation.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash equivalents, or alternative assets. That 100% equity allocation is typical for growth‑focused, long‑horizon investors who can ride through big swings. Stocks historically offer higher returns than bonds but also much deeper drawdowns, like the -33% seen in 2020. Without bonds or cash, there’s no built‑in “shock absorber” to soften equity downturns or provide dry powder to rebalance. The main implication is that this setup suits someone prioritizing growth over stability. If an investor needs to fund near‑term spending, additional safety assets outside this portfolio usually become more important.
Sectors
- Technology 30%
- Financials 13%
- Industrials 11%
- Consumer Discretionary 10%
- Telecommunications 9%
- Health Care 9%
- Consumer Staples 6%
- Basic Materials 4%
- Energy 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is diversified but clearly tilted: about 30% in technology, with meaningful allocations to financials, industrials, consumer areas, health care, and smaller slices in materials, energy, utilities, real estate, and telecom. A tech weight around 30% is higher than older “traditional” benchmarks but not unusual today, especially with QQQ included. Tech‑heavy portfolios often benefit when innovation and growth stocks lead, but they can be more sensitive to interest‑rate spikes and sentiment shifts toward profitability and valuations. The positive side is good participation in long‑term growth themes; the trade‑off is accepting more cyclical swings tied to tech and related industries.
Regions
- North America 77%
- Europe Developed 10%
- Japan 4%
- Asia Developed 4%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 77% is in North America, with the rest spread across Europe, Japan, other developed Asia, emerging Asia, and small allocations to Australasia, Latin America, and Africa/Middle East. This is more US‑tilted than a pure global market cap index, but not extremely so given the 25% international ETF. Heavy US exposure has been beneficial over the last decade, as US equities outperformed many regions. The flip side is higher dependence on one economy, one policy regime, and one currency. The international slice helps diversify that risk, so this mix balances familiarity with some global breadth, though still clearly anchored in North America.
Market capitalization
- Mega-cap 44%
- Large-cap 31%
- Mid-cap 17%
- Small-cap 5%
- Micro-cap 1%
The portfolio leans strongly toward mega‑cap and large‑cap companies, with around 75% in those buckets and the rest spread across mid, small, and micro caps. This is broadly similar to global market weights, maybe with slightly more emphasis on the largest names given QQQ and the big US ETF. Large companies often bring more stability, better liquidity, and lower individual business risk, while smaller companies can add return potential and extra volatility. Having at least some mid and small caps is helpful for diversification and exposure to different growth drivers. Overall, this size mix is mainstream and sensible for a broad equity growth approach.
True holdings
-
NV NVIDIA Corporation 4.99%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 4.68%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.48%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.50%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.15%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.82%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.77%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.76%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.60%
Part of fund(s):- Invesco QQQ Trust
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.86%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 25.61%
Looking through ETF top holdings, there’s clear concentration in a handful of mega‑cap growth names: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and TSMC together make up a meaningful slice of total exposure. Several of these appear via more than one ETF, which quietly amplifies their influence. Because only each ETF’s top 10 holdings are included, true overlap is likely even higher. This matters because portfolio risk can end up tied to the fortunes of a relatively small group of companies, even though the ETFs themselves look broad. The takeaway: diversification is good, but hidden overlap means big tech and mega‑caps still heavily drive results.
Factors
Factor exposure is very balanced: value, size, momentum, quality, yield, and low volatility all sit roughly around neutral, meaning the portfolio behaves much like the overall market on these dimensions. Factors are like investing “ingredients” that help explain why returns differ — for example, value stocks being cheap, or momentum stocks having strong recent performance. With neutral tilts, performance is driven more by broad market movements and specific sector or regional choices than by targeted factor bets. The upside is avoiding concentrated style risk; the trade‑off is not deliberately leaning into any particular factor that might outperform in certain environments.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 60.00% 60.8% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 25.00% 21.7% -
Invesco QQQ Trust
Weight: 15.00% 17.5%
Risk contribution shows how much each holding drives overall volatility, which can differ from simple weight. Here, the US total market ETF contributes about 61% of risk on a 60% weight — very proportional. The international ETF contributes roughly 22% of risk on a 25% weight, so it’s slightly less volatile relative to its size. QQQ contributes around 18% of risk on a 15% weight, confirming it’s the spiciest piece. This pattern is typical: a broad US core, a somewhat stabilizing global diversifier, and a higher‑beta growth sleeve. It’s a reasonable risk balance, but anyone wanting less bumpiness could consider how large that growth sleeve feels emotionally during downturns.
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‑return chart shows the current portfolio sitting right on or very near the efficient frontier. The efficient frontier is the curve of best possible return for each level of risk, using only the existing holdings in different mixes. Your current mix has a Sharpe ratio of 0.57, measuring return per unit of volatility; the max‑Sharpe mix is 0.85 with higher risk, while the minimum‑variance mix is slightly less risky with a Sharpe of 0.61. That means the allocation is already quite efficient, though a slightly different weighting could modestly improve risk‑adjusted returns. Still, structurally, this is a well‑tuned combination for its chosen risk level.
Dividends
- Invesco QQQ Trust 0.50%
- Vanguard Total Stock Market Index Fund ETF Shares 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- Weighted yield (per year) 1.54%
The overall dividend yield is about 1.54%, with the international ETF providing the highest yield around 3%, the US total market about 1.2%, and QQQ at roughly 0.5%. Dividends are cash payments from companies and can be a meaningful part of long‑term returns, especially when reinvested. For a growth‑tilted portfolio, a modest yield is normal, since many holdings reinvest profits into expansion instead of paying them out. This setup is better suited to building wealth over time than generating current income. For investors who don’t need cash flow now, automatically reinvesting dividends can quietly boost compounding without extra effort.
Ongoing product costs
- Invesco QQQ Trust 0.20%
- 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) 0.06%
The cost profile is a real strength. The total expense ratio (TER) of the combined portfolio is about 0.06%, driven by ultra‑low fees on the Vanguard funds (0.03% and 0.05%) and a modest 0.20% fee on QQQ. TER is like a small annual “toll” the funds charge for managing the investments. Keeping this toll low leaves more return in your pocket and compounds meaningfully over decades. Compared with many actively managed funds charging 0.5–1% or more, these costs are impressively low and very much aligned with best practices in long‑term investing. This cost advantage is a quiet but powerful tailwind for performance.
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