Broad global equity blend with efficient risk level and slightly growth tilted large cap exposure
Report created on Jul 21, 2024Risk profile
4/7
Diversification profile
3/5
Positions
-
SP SPDR® Portfolio S&P 1500 Composite Stock Market ETF
SPTM - US78464A8053 40.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 40.00% -
IW iShares Russell Top 200 Growth ETF
IWY - US4642894384 20.00%
The portfolio is a clean three-fund equity setup: 40% broad US stocks, 40% broad international stocks, and 20% large US growth. This structure keeps things straightforward while still giving solid global coverage and a deliberate tilt toward fast‑growing, mega‑cap leaders. A 100% stock mix naturally fits someone willing to accept bigger swings for higher long‑term growth. Having just three very diversified ETFs also makes monitoring and rebalancing simpler. The main takeaway is that this is an intentionally growth‑oriented yet relatively “plain vanilla” global equity portfolio, with most of the risk and return driven by overall stock markets rather than niche themes or concentrated single‑stock bets.
Growth
From 2016 to early 2026, $1,000 grew to about $3,297, a compound annual growth rate (CAGR) of 12.71%. CAGR is basically your average yearly “speed” over the whole journey, smoothing out the bumps. That result lagged the US market by about 1.07% per year but beat the global market by 1.47% per year, which is a strong relative outcome versus worldwide stocks. The worst peak‑to‑trough drop was roughly ‑33%, very similar to both benchmarks, showing typical equity‑level downside. This pattern suggests the portfolio has captured most of the upside of stocks with no unusual drawdown behavior, fitting well with a balanced yet equity‑heavy risk profile.
Asset classes
- Stocks 100%
All assets sit in stocks, with no bonds, cash, or alternatives. That pure‑equity stance maximizes long‑term growth potential but also means full exposure to stock‑market downturns without a built‑in stabilizer. Many broad benchmarks include a mix of bonds alongside equities, which typically softens drawdowns and smooths returns. Here, risk is intentionally higher because there’s no ballast from fixed income or cash‑like holdings. For someone comfortable with volatility and a long horizon, this can be appropriate. For anyone needing shorter‑term stability, adding a non‑equity sleeve elsewhere in their overall finances is often how people balance out this kind of aggressive core.
Sectors
- Technology 30%
- Financials 15%
- Industrials 11%
- Consumer Discretionary 10%
- Telecommunications 8%
- Health Care 8%
- Consumer Staples 5%
- Basic Materials 4%
- Energy 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is led by technology at about 30%, with meaningful slices in financials, industrials, consumer discretionary, telecoms, and health care, plus smaller allocations across the rest. This pattern is broadly in line with many global equity benchmarks, which have been tech‑heavy after years of outperformance. A tech‑tilted portfolio can benefit when innovation and growth stocks lead, but may feel sharper drawdowns when rates rise or sentiment turns against high‑growth names. The positive here is that other sectors are still well‑represented, so the portfolio isn’t a one‑way bet; it’s just leaning toward the current engines of global equity returns rather than being perfectly even.
Regions
- North America 63%
- Europe Developed 15%
- Japan 6%
- Asia Developed 6%
- Asia Emerging 5%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, around 63% is in North America with the rest spread across developed Europe, Japan, other developed Asia, and a small but real slice of emerging regions. That US‑led tilt is actually quite close to many global market‑cap benchmarks, which are dominated by US companies. This allocation is well‑balanced and aligns closely with global standards, helping avoid big home‑country bias while still benefiting from the depth and innovation of US markets. The presence of Europe, Japan, and emerging Asia adds diversification, so shocks in any one region are less likely to drive the entire portfolio, even though US outcomes still play the biggest role.
Market capitalization
- Mega-cap 50%
- Large-cap 30%
- Mid-cap 14%
- Small-cap 4%
- Micro-cap 1%
About half the portfolio sits in mega‑caps, 30% in large‑caps, and the remainder in mid, small, and micro‑caps. That means most exposure is to big, established companies that tend to be more stable and liquid, with business models already proven at scale. Smaller names add some growth and diversification, but they’re clearly a secondary driver. Compared with a strict total‑market baseline, the mix looks a bit tilted toward the largest companies because of the growth ETF. The upside is more direct participation in global leaders; the trade‑off is slightly less potential benefit if smaller companies go through a period of strong outperformance.
True holdings
-
NV NVIDIA Corporation 5.70%
Part of fund(s):- SPDR® Portfolio S&P 1500 Composite Stock Market ETF
- iShares Russell Top 200 Growth ETF
-
AA Apple Inc 5.00%
Part of fund(s):- SPDR® Portfolio S&P 1500 Composite Stock Market ETF
- iShares Russell Top 200 Growth ETF
-
MS Microsoft Corporation 3.79%
Part of fund(s):- SPDR® Portfolio S&P 1500 Composite Stock Market ETF
- iShares Russell Top 200 Growth ETF
-
AM Amazon.com Inc 2.21%
Part of fund(s):- SPDR® Portfolio S&P 1500 Composite Stock Market ETF
- iShares Russell Top 200 Growth ETF
-
GO Alphabet Inc Class A 1.89%
Part of fund(s):- SPDR® Portfolio S&P 1500 Composite Stock Market ETF
- iShares Russell Top 200 Growth ETF
-
AV Broadcom Inc 1.87%
Part of fund(s):- SPDR® Portfolio S&P 1500 Composite Stock Market ETF
- iShares Russell Top 200 Growth ETF
-
ME Meta Platforms Inc. 1.55%
Part of fund(s):- SPDR® Portfolio S&P 1500 Composite Stock Market ETF
- iShares Russell Top 200 Growth ETF
-
GO Alphabet Inc Class C 1.53%
Part of fund(s):- SPDR® Portfolio S&P 1500 Composite Stock Market ETF
- iShares Russell Top 200 Growth ETF
-
TS Tesla Inc 1.43%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- SPDR® Portfolio S&P 1500 Composite Stock Market ETF
- iShares Russell Top 200 Growth ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.37%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 26.34%
Looking through ETF top holdings, a meaningful slice clusters in the largest global tech and growth names: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and TSMC all appear. Because these giants sit in multiple indexes, they show up repeatedly, creating hidden concentration even without owning them directly. That means a lot of the portfolio’s fate is tied to how a relatively small group of mega‑caps performs. This isn’t inherently bad—these companies have driven much of recent market returns—but it does mean performance may be more sensitive to sentiment shifts around big tech and growth leaders than the high-level ETF list alone suggests.
Factors
Factor exposure—those underlying characteristics like value, size, momentum, quality, yield, and low volatility—is very close to neutral across the board. Think of this as owning the market’s “average personality” instead of leaning hard into any specific style. That means returns are mainly driven by broad equity performance rather than factor timing, which avoids the risk of being on the wrong side of a hot or cold style cycle. It also lines up well with an index‑oriented mindset. The key implication is that performance is likely to track global stock markets reasonably closely over time, without big surprises from hidden style bets.
Risk contribution
-
SPDR® Portfolio S&P 1500 Composite Stock Market ETF
Weight: 40.00% 40.7% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 40.00% 36.8% -
iShares Russell Top 200 Growth ETF
Weight: 20.00% 22.6%
Risk contribution shows how much each holding adds to the portfolio’s ups and downs, which can differ from simple weights. Here, the US total‑market ETF is 40% of the portfolio and contributes about 40.7% of the risk, while international stocks are 40% weight and about 36.8% of the risk. The growth ETF is 20% weight but contributes around 22.6% of total risk, reflecting its slightly higher volatility. Overall, risk shares are well‑aligned with allocations, which is a positive sign that no single fund is dominating behavior. Keeping these relationships in mind when adjusting weights helps ensure the risk you’re taking matches your intended emphasis.
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 has a Sharpe ratio of 0.65 with about 13.2% expected return and 17.3% volatility. The optimal mix of these same three funds, purely by reweighting, has a higher Sharpe of 0.82 but also higher risk and return, while the minimum‑variance mix dials risk down slightly. Your current point sits on or very near the efficient frontier, meaning that for this level of risk, the allocation is already using its ingredients effectively. In other words, within these three ETFs, there isn’t a clear improvement in risk‑adjusted returns without consciously choosing to take either more or less overall risk.
Dividends
- iShares Russell Top 200 Growth ETF 0.40%
- SPDR® Portfolio S&P 1500 Composite Stock Market ETF 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- Weighted yield (per year) 1.76%
The blended dividend yield is about 1.76%, with the international fund providing the highest income and the US growth ETF the lowest. That’s a modest but real contribution to total return, especially during flat markets where price gains are limited. Growth‑tilted portfolios often have lower yields because they favor companies that reinvest profits instead of paying them out. For someone focused on wealth building rather than current income, this setup is quite typical and perfectly reasonable. If income needs rise later, shifting more toward higher‑yielding assets or funds can boost cash flow without abandoning the overall diversified equity approach.
Ongoing product costs
- iShares Russell Top 200 Growth ETF 0.20%
- SPDR® Portfolio S&P 1500 Composite Stock Market ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.07%
Total ongoing costs are very low at about 0.07% per year, thanks to the use of broad, low‑fee index ETFs. Expense ratios may look tiny, but over decades they compound meaningfully; keeping them minimal leaves more of the market’s return in your pocket. The costs are impressively low, supporting better long‑term performance and aligning with best practices in evidence‑based investing. This lean fee structure also gives more flexibility: if you ever add other building blocks in a different account, you’re starting from a very efficient, low‑drag core rather than trying to offset expensive active products.
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