Growth tilted global equity mix with tech focus and stabilizing gold position
Report created on May 18, 2026Risk profile
5/7
Diversification profile
5/5
Positions
-
SP State Street® SPDR® Portfolio S&P 500® ETF
SPYM - US78464A8541 50.00% -
FT Fidelity® MSCI Information Technology Index ETF
FTEC - US3160928087 20.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
GL SPDR Gold MiniShares
GLDM - US98149E3036 10.00%
This portfolio is built from four broad ETFs, with half in a US large‑cap equity fund, 20% in a dedicated technology ETF, 20% in an international equity fund, and 10% in a gold ETF. So most of the risk and return comes from stocks, with gold acting as a smaller diversifier on the side. A buy‑and‑hold approach without rebalancing means the weights will drift over time as winners grow larger. That can gradually increase concentration in whichever area performs best. Structurally, this is a straightforward, equity‑heavy growth mix with a single alternative asset (gold) included mainly through one simple building block rather than many small positions.
Growth
From mid‑2018 to mid‑2026, a hypothetical $1,000 in this portfolio grew to about $3,329, which is a compound annual growth rate (CAGR) of 16.51%. CAGR is like average speed on a road trip: it smooths the bumps to show long‑term pace. Over this period, the portfolio outpaced both the US market (15.48% CAGR) and the global market (12.52% CAGR). The worst peak‑to‑trough drop was about –30%, slightly milder than the benchmarks’ roughly –34% drawdowns. Recovering in about four months from the 2020 drop shows resilience, but it still involved sharp swings. Just 32 days made up 90% of total returns, underlining how missing a handful of strong days can matter a lot.
Projection
The Monte Carlo projection uses thousands of simulated paths based on historical patterns to show a range of possible futures, not a single forecast. Here, a $1,000 starting amount over 15 years has a median outcome around $2,641, with a wide band from roughly $995 to $7,258 between the 5th and 95th percentiles. Think of it as rolling the dice many times using past volatility and returns to shape the odds. The average annual return across simulations is 7.84%, lower than the historical CAGR, reminding that past returns were unusually strong. These numbers are estimates, not promises, and real‑world markets can behave very differently, especially over long periods.
Asset classes
- No data 50%
- Stocks 40%
- Other 10%
Looking at asset classes, about 40% is clearly tagged as stocks, 10% as “other” (which includes gold), and 50% sits in the “no data” bucket where asset‑class labels aren’t available. The lack of labels doesn’t change the actual holdings, but it limits how precisely the mix can be described here. Even with that gap, the picture still shows a clear tilt toward growth‑oriented assets rather than defensive ones like bonds or cash. Asset‑class allocation matters because it’s a main driver of how much the portfolio can swing. An equity‑heavy setup usually brings stronger growth potential alongside bigger short‑term ups and downs.
Sectors
- Technology 23%
- Financials 5%
- Industrials 3%
- Consumer Discretionary 2%
- Basic Materials 2%
- Health Care 1%
- Energy 1%
- Consumer Staples 1%
- Telecommunications 1%
- Utilities 1%
- Real Estate 1%
This breakdown covers the equity portion of your portfolio only.
Sector data shows a strong tilt toward technology at 23%, with the rest spread relatively evenly across financials, industrials, consumer, materials, health care, energy, staples, telecom, utilities, and real estate, each in the low single digits. This means one growth‑oriented sector has a clearly outsized role compared with others, which are more balanced. Tech‑heavy allocations often benefit when innovation and digital trends are in favor, but can be more sensitive during periods of rising interest rates or when markets rotate toward more traditional, slower‑growth areas. The diversified exposure to many smaller sectors helps, yet sector risk is still notably anchored in technology.
Regions
- North America 22%
- Europe Developed 7%
- Asia Developed 3%
- Japan 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, the portfolio has meaningful global reach: about 22% in North America, with additional exposure across developed Europe, Japan, developed Asia, emerging Asia, Australasia, and Africa/Middle East. This spread means the portfolio isn’t locked into a single economy or currency. Compared with global equity benchmarks, the tilt toward North America is noticeable but not extreme, while non‑US regions form a healthy secondary layer. Geographic diversification helps when different regions go through their own cycles at different times. For example, if one area faces a slowdown or policy shock, others can sometimes offset that, though global crises can still pull most markets in the same direction.
Market capitalization
- Mega-cap 20%
- Large-cap 11%
- Mid-cap 5%
- Small-cap 2%
- Micro-cap 1%
This breakdown covers the equity portion of your portfolio only.
By market capitalization, the portfolio leans heavily into larger companies: about 20% in mega‑caps, 11% in large‑caps, and smaller slices in mid‑, small‑, and micro‑caps. Bigger companies tend to have more diversified business lines and sturdier balance sheets, which often translates into somewhat steadier behavior than tiny, more speculative firms. The modest allocations to mid and small caps add some extra growth and idiosyncratic risk without dominating the picture. Overall, this size mix is broadly in line with common global equity indices, which are naturally weighted toward the largest companies. That alignment typically supports stability and liquidity in day‑to‑day trading.
True holdings
-
NV NVIDIA Corporation 8.22%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
- SPDR Gold MiniShares
- State Street® SPDR® Portfolio S&P 500® ETF
-
AA Apple Inc 6.60%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
- SPDR Gold MiniShares
- State Street® SPDR® Portfolio S&P 500® ETF
-
MS Microsoft Corporation 4.58%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
- SPDR Gold MiniShares
- State Street® SPDR® Portfolio S&P 500® ETF
-
AV Broadcom Inc 2.65%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
- SPDR Gold MiniShares
- State Street® SPDR® Portfolio S&P 500® ETF
-
AM Amazon.com Inc 2.33%
Part of fund(s):- SPDR Gold MiniShares
- State Street® SPDR® Portfolio S&P 500® ETF
-
GO Alphabet Inc Class C 1.84%
Part of fund(s):- SPDR Gold MiniShares
- State Street® SPDR® Portfolio S&P 500® ETF
-
GO Alphabet Inc Class A 1.81%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
ME Meta Platforms Inc. 1.20%
Part of fund(s):- SPDR Gold MiniShares
- State Street® SPDR® Portfolio S&P 500® ETF
-
TS Tesla Inc 0.95%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- SPDR Gold MiniShares
- State Street® SPDR® Portfolio S&P 500® ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.90%
Part of fund(s):- SPDR Gold MiniShares
- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 31.08%
This breakdown covers the equity portion of your portfolio only.
The look‑through of ETF top‑10 holdings shows meaningful concentration in a handful of well‑known mega‑cap names. NVIDIA at 8.22%, Apple at 6.60%, and Microsoft at 4.58% are the biggest single‑company exposures once overlapping funds are combined. Several of these companies appear in more than one ETF, which creates hidden stacking of the same names even though they’re held indirectly. Coverage is only about 36% of the total portfolio because anything beyond ETF top‑10 lists is not captured, so overlap is probably understated. This pattern is typical of index‑based portfolios today but does mean a fair amount of performance is tied to a small group of giants.
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 exposure across value, size, momentum, quality, low volatility, and yield sits in a neutral band around 40–60%, with no factor showing a strong lean. Factors are like investing “ingredients” that describe common traits: cheap vs. expensive, stable vs. volatile, or high vs. low dividend payers. A neutral profile suggests the portfolio behaves similarly to a broad market index from a factor perspective rather than making big bets on any single style. This balance can be helpful because it reduces the risk of underperforming badly when one factor goes out of favor, but it also means the portfolio isn’t deliberately targeting any specific return driver.
Risk contribution
-
State Street® SPDR® Portfolio S&P 500® ETF
Weight: 50.00% 52.3% -
Fidelity® MSCI Information Technology Index ETF
Weight: 20.00% 27.7% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 17.9% -
SPDR Gold MiniShares
Weight: 10.00% 2.1%
Risk contribution shows how much each holding drives overall volatility, which can differ a lot from its weight. Here, the 50% S&P 500 ETF contributes about 52% of total risk, roughly in line with its size. The 20% technology ETF, however, drives almost 28% of risk, punching above its weight, which reflects the higher volatility typical of concentrated growth sectors. The 20% international ETF contributes slightly less risk than its weight, while the 10% gold slice adds only about 2% of total volatility. With the top three positions accounting for nearly 98% of risk, most of the portfolio’s ups and downs come from those core equity exposures.
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 compares this portfolio with the “efficient frontier,” which represents the best possible return for each risk level using the same set of holdings but different weights. The current portfolio has a Sharpe ratio of 0.7, while the maximum‑Sharpe version reaches 1.26 and the minimum‑variance version sits at 1.16. The Sharpe ratio is a simple gauge of return per unit of risk above a risk‑free rate. Being about 5 percentage points below the frontier at the current risk level means, in theory, reweighting these existing ETFs could improve the tradeoff between volatility and expected return without introducing any new products.
Dividends
- Fidelity® MSCI Information Technology Index ETF 0.40%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- State Street® SPDR® Portfolio S&P 500® ETF 1.00%
- Weighted yield (per year) 1.12%
The overall dividend yield is about 1.12%, with the international ETF paying the highest yield around 2.70%, the S&P 500 ETF at roughly 1.00%, and the tech ETF at 0.40%. Yield is the cash payout as a percentage of price, and it matters because it adds a more predictable income component on top of price changes. In this portfolio, dividends play a supporting role rather than being the main engine of returns. Growth‑oriented areas like technology naturally offer lower yields, instead reinvesting more profits back into their businesses. Over time, even modest yields can contribute meaningfully through reinvestment and compounding.
Ongoing product costs
- Fidelity® MSCI Information Technology Index ETF 0.08%
- SPDR Gold MiniShares 0.10%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
The portfolio’s total expense ratio (TER) comes in very low at around 0.04% a year, with individual ETFs ranging between 0.05% and 0.10%, except the S&P 500 fund, which is even cheaper on average when weighted in. TER is the annual fee charged by funds, taken out automatically, like a small maintenance cost. These costs might look tiny, but over many years they compound. Here, costs are impressively low and align well with best practices for index‑based investing. That means more of the portfolio’s gross return is kept rather than paid away in fees, which is a solid structural advantage over higher‑cost alternatives.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey