Broad global stock focus with modest bond ballast and efficient risk balance
Report created on May 14, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 78.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 15.00% -
BN Vanguard Total Bond Market Index Fund ETF Shares
BND - US9219378356 7.00%
This portfolio is built around three broad index ETFs, with 78% in a total US stock fund, 15% in total international stocks, and 7% in a broad bond fund. The structure is simple and heavily tilted toward equities, with a small slice in bonds to dampen extreme swings. A setup like this behaves mostly like a global stock portfolio with a slight cushion. The simplicity makes it easy to understand what’s driving returns: mainly overall stock markets rather than narrow themes. This kind of “core” construction generally means performance will track global economic growth and market sentiment quite closely, instead of depending on a few niche bets.
Growth
Over the 2016–2026 period, $1,000 grew to about $3,627, a compound annual growth rate (CAGR) of 13.81%. CAGR is like an average yearly “speed” over the whole journey, smoothing out ups and downs. The portfolio slightly lagged the US market benchmark but outpaced the global benchmark, suggesting a mild US tilt helped. The maximum drawdown of around -33% during early 2020 shows that this is still very much an equity-driven portfolio, capable of big swings. Recovering from that drop in about five months highlights how quickly markets can bounce back, but it also underlines that sharp falls are part of the ride.
Projection
The Monte Carlo simulation projects many possible 15‑year paths using past return and volatility patterns. Think of it as running the portfolio’s history through a thousand “what if” scenarios to see a range of outcomes. The median result grows $1,000 to about $2,673, with most simulations landing between roughly $1,785 and $4,069. That spread shows how uncertain long‑term investing can be, even with the same starting point. About 73% of simulations end with a positive return, but there are still paths where outcomes are flat or negative. These simulations are based on history, so they’re useful for context, not a promise about the future.
Asset classes
- Stocks 93%
- Bonds 7%
Roughly 93% of this portfolio is in stocks, with just 7% in bonds. Stocks are the main growth engine, while bonds tend to offer lower volatility and income, acting like a shock absorber. With this mix, the portfolio’s behavior will largely mirror global equity markets, with bonds playing only a small stabilizing role. Compared with many “balanced” blends that might hold much more in bonds, this one leans growth‑oriented. That means stronger sensitivity to equity bull and bear markets, but still some buffer from bond exposure when riskier assets struggle, especially if interest rates fall during equity stress periods.
Sectors
- Technology 27%
- Financials 13%
- Industrials 10%
- Consumer Discretionary 9%
- Health Care 9%
- Telecommunications 8%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is fairly broad, with technology at 27%, followed by financials, industrials, and consumer areas, while utilities, energy, and real estate are relatively small. This looks similar to many broad market indices where tech and related industries naturally dominate by size. A tech‑heavy top slice can drive strong returns when innovation and growth stocks lead, but it can also make the portfolio more sensitive to rate changes or shifts in sentiment toward high‑growth names. The presence of multiple other sectors helps balance this out, so portfolio moves are driven by the overall economy rather than one single industry narrative.
Regions
- North America 79%
- Europe Developed 6%
- Japan 2%
- Asia Developed 2%
- Asia Emerging 2%
- Australasia 1%
- Africa/Middle East 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, about 79% of the equity exposure is in North America, with modest allocations to Europe, Japan, and other developed and emerging regions. That US‑leaning profile is common in global portfolios built with a core US fund plus an international fund. It benefits when the US market outperforms, as it has often done in recent years, but it also means results are strongly tied to one economy, currency, and policy environment. The smaller allocations to other regions still provide some diversification, so events outside the US can contribute meaningfully, but they won’t dominate overall performance.
Market capitalization
- Mega-cap 38%
- Large-cap 29%
- Mid-cap 18%
- Small-cap 6%
- Micro-cap 2%
This breakdown covers the equity portion of your portfolio only.
Market‑cap exposure is skewed toward larger companies: about 38% mega‑cap, 29% large‑cap, with smaller slices in mid, small, and micro‑caps. Large and mega‑caps tend to be more established, often with steadier earnings and better access to financing, which can make them somewhat less volatile than tiny companies. Including mid and small‑caps adds exposure to more niche and potentially faster‑growing businesses, which may move more sharply in both directions. This spread is typical for broad index funds that weight holdings by size, and it gives a blend of stability from giants and extra growth potential and noise from smaller names.
True holdings
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NV NVIDIA Corporation 4.99%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 4.62%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.41%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.50%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.07%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.82%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.65%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.55%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.29%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
BR Berkshire Hathaway Inc 1.06%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 24.96%
This breakdown covers the equity portion of your portfolio only.
Looking through the ETFs, the largest underlying exposures include NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Berkshire Hathaway. These familiar mega‑cap names together make up a noticeable chunk of the portfolio’s equity risk, even though they’re all held indirectly. Several of them appear via multiple funds, which can quietly increase concentration in those companies. Because this analysis only uses ETF top‑10 holdings, actual overlap is likely somewhat higher. This kind of “hidden” concentration is normal in cap‑weighted index portfolios, but it does mean portfolio behavior will often echo how these headline companies perform.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
Factor exposures are broadly neutral across value, size, momentum, quality, yield, and low volatility, all hovering close to the 50% “market‑like” level. Factors are just characteristics — like cheap vs. expensive, or stable vs. volatile — that research links to long‑term return patterns. A neutral profile means the portfolio behaves much like the broad market rather than leaning heavily into any one style. That can be helpful if the goal is to mirror overall equity behavior without making big bets on themes like value or high dividend stocks. It also means performance will reflect whatever factor mix the global market currently favors.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 78.00% 85.7% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 15.00% 13.9% -
Vanguard Total Bond Market Index Fund ETF Shares
Weight: 7.00% 0.4%
Risk contribution shows how much each holding drives overall ups and downs, which can differ from simple weights. Here, the 78% US stock position contributes about 86% of total risk, slightly more than its size, while the international stock fund contributes around 14%. The bond fund, despite being 7% of the portfolio, adds less than 1% of the overall volatility, reflecting its relatively stable nature. This pattern is typical of stock‑heavy portfolios: most of the ride comes from equities, and bonds mainly serve as ballast. It confirms that the core US equity fund is the main driver of portfolio behavior.
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‑return chart, the current portfolio sits on or very close to the efficient frontier, which represents the best expected return for each risk level using these holdings. Its Sharpe ratio of 0.6, compared with 0.8 for the theoretical optimal mix and 0.26 for the minimum‑risk mix, shows it is using risk reasonably efficiently. The minimum variance portfolio would cut volatility more but also slash expected returns. Meanwhile, the max‑Sharpe version would take slightly more risk for higher expected return. Being near the frontier indicates this simple three‑fund allocation is already arranged in a sensible, efficient balance.
Dividends
- Vanguard Total Bond Market Index Fund ETF Shares 4.00%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.46%
The overall dividend yield of about 1.46% comes from a mix of sources: roughly 1.0% from US stocks, 2.7% from international stocks, and about 4.0% from bonds. Yield is the cash income paid out each year as a percentage of the investment value. In this portfolio, most of the total return historically has come from price growth rather than income, which is typical for equity‑heavy index portfolios. The higher bond yield provides a modest income boost and some steadier cash flows. Dividends can help smooth the ride a bit, but they are only one part of the total return picture here.
Ongoing product costs
- Vanguard Total Bond Market Index Fund ETF Shares 0.03%
- 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) 0.03%
Total ongoing fees, or TERs, average around 0.03%, which is extremely low by industry standards. TER is the annual percentage cost charged by funds to cover management and operations, quietly deducted from performance. Keeping costs this low means more of the portfolio’s market return stays in the investor’s pocket each year, and that small difference compounds meaningfully over long periods. For a $10,000 portfolio, 0.03% is just $3 a year in fund fees. This cost structure is strongly aligned with best practices for long‑term investing and supports the portfolio’s goal of capturing broad market returns efficiently.
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