Single fund us growth portfolio with broad market exposure and very low ongoing fees
Report created on Mar 29, 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.
What type of investor this portfolio is suitable for
Growth Investors
This kind of setup fits an investor comfortable with market volatility and focused on long‑term growth rather than short‑term stability. A typical profile would be someone with a multi‑decade horizon—like saving for retirement—who can tolerate 30–50% drawdowns without panicking. They may value simplicity, preferring a “one‑fund” approach instead of actively picking sectors or regions. Income needs from the portfolio are likely low, as the yield is modest and the emphasis is on capital appreciation. A person with a steady income, strong emergency savings, and a willingness to ride out full equity market cycles would usually align well with this profile.
Positions
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VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 100.00%
The portfolio is extremely simple: one total US stock market ETF at 100% weight. That means every dollar is fully invested in equities, with no bonds or cash buffer and no exposure to other regions or asset types. Simplicity like this is powerful because it’s easy to understand and maintain, and it automatically adjusts as the underlying index changes. The flip side is that there’s no internal “shock absorber” when stocks fall. For someone comfortable with ups and downs and focused on long-term compounding, this kind of all‑equity, single‑fund setup can be a very clean way to track the broader US market.
Growth
Historically, $1,000 grew to about $3,516 over the period, for a compound annual growth rate (CAGR) of 13.44%. CAGR is like your average speed on a long road trip, smoothing out all the stops and traffic. This result slightly lagged the US market benchmark by 0.37% a year but beat the global market by 2.14% annually, which is strong. The max drawdown of about -35% shows that deep but temporary drops are part of the ride. Only 31 days made up 90% of returns, underscoring how missing a handful of big days can hurt outcomes, which supports a steady buy‑and‑hold approach.
Asset classes
- Stocks 100%
All assets are in stocks, with 0% in bonds, cash, or alternatives. That makes the portfolio very growth‑oriented compared with more balanced mixes that might hold 20–60% in bonds. Stocks historically deliver higher long‑term returns but also much sharper drawdowns and wider year‑to‑year swings. There’s no built‑in stabilizer here, which is fine if the time horizon is long and there’s emotional and financial capacity to sit through market drops. If someone wants smoother ride characteristics, mixing in other asset classes is usually how people trade some return potential for more consistent outcomes.
Sectors
- Technology 31%
- Financials 12%
- Health Care 10%
- Industrials 10%
- Consumer Discretionary 10%
- Telecommunications 10%
- Consumer Staples 5%
- Energy 4%
- Real Estate 3%
- Utilities 2%
- Basic Materials 2%
Sector exposure is naturally tilted toward technology at 31%, with meaningful allocations to financials, health care, industrials, and consumer‑related sectors. This mix looks broadly similar to a typical US total market benchmark, which is a good sign for diversification within the domestic market. A tech‑heavy share means results will be sensitive to changes in interest rates, innovation cycles, and regulation. The presence of more defensive sectors like consumer staples, utilities, and health care, even at smaller weights, helps balance some of that cyclical risk. Overall, the sector composition aligns well with the broad market and supports diversified growth.
Regions
- North America 99%
Geographically, the portfolio is almost entirely focused on North America, at about 99%. That means very little direct exposure to other developed or emerging regions. The US has been a standout performer over the last decade, so this home‑bias has worked well historically, as reflected in the outperformance versus the global market benchmark. The trade‑off is higher dependency on a single economy, currency, and policy environment. Investors who care a lot about global diversification sometimes add more international exposure to spread geopolitical and economic risk, while others are comfortable leaning heavily into US markets for simplicity and familiarity.
Market capitalization
- Mega-cap 41%
- Large-cap 31%
- Mid-cap 19%
- Small-cap 6%
- Micro-cap 2%
The portfolio holds a natural blend of company sizes: around 41% mega‑cap, 31% large‑cap, 19% mid‑cap, and a smaller slice in small and micro‑caps. This mirrors the structure of the US market, where the biggest companies dominate total value but smaller firms still have a presence. Larger companies tend to be more stable and widely followed, while smaller ones can be more volatile but sometimes offer higher growth potential. This mix gives a good cross‑section of the economy. It also means performance will be most closely tied to the largest companies, but with some added dynamism from the smaller segments.
True holdings
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NV NVIDIA Corporation 6.18%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 5.89%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 4.41%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 3.05%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
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GO Alphabet Inc Class A 2.74%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
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AV Broadcom Inc 2.28%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
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GO Alphabet Inc Class C 2.16%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 2.13%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.72%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
BR Berkshire Hathaway Inc 1.37%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 31.93%
Looking through the ETF’s top holdings, a lot of the exposure clusters in a small group of giant companies like NVIDIA, Apple, Microsoft, Amazon, and Alphabet. Together, these top names already add up to a meaningful slice of the portfolio, and that’s only within the roughly one‑third of holdings we can see from top‑10 data. Because there are no additional funds, there’s no extra layer of overlap, but there is inherent concentration in the largest companies. That’s normal for broad market indexes today, but it does mean portfolio behavior will be heavily influenced by how these mega‑caps perform in the future.
Factors
Factor exposures are all essentially neutral across value, size, momentum, quality, yield, and low volatility. Factor exposure is like checking which “traits” your portfolio leans into—cheap vs. expensive, big vs. small, steady vs. jumpy. Being around the 50% mark means this setup behaves much like the overall market rather than making big bets on any one style. That’s a solid, balanced starting point and avoids the risk of over‑concentrating in a single factor that can fall out of favor for years. It also means any shifts in behavior will mostly come from broad market moves rather than style tilts.
Risk contribution
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Vanguard Total Stock Market Index Fund ETF Shares
Weight: 100.00% 100.0%
With one holding at 100%, that ETF contributes 100% of the portfolio’s risk. Risk contribution measures how much each position adds to overall ups and downs; here, there’s no diversification across funds, just across the many stocks inside the ETF. Within the ETF, the largest underlying stocks drive most volatility, but at the portfolio level everything flows through this single vehicle. This is clean and easy to manage but leaves no room to adjust risk by changing fund mix. Any change to the risk profile would require adjusting the overall stock exposure or adding different types of holdings alongside this ETF.
Dividends
- Vanguard Total Stock Market Index Fund ETF Shares 0.90%
- Weighted yield (per year) 0.90%
The dividend yield of about 0.90% is modest, reflecting the growth‑oriented nature of many US companies in the index. Dividends are the cash payments companies distribute from profits; even small yields can add up over time when reinvested, quietly increasing long‑term returns. In this case, most of the expected payoff comes from price appreciation rather than income. That fits a growth profile where the focus is on compounding wealth, not on generating a large cash stream today. Anyone relying on their portfolio for regular spending would typically need a higher income component or a withdrawal plan that includes selling shares.
Ongoing product costs
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.03%
The ongoing fee (TER) of 0.03% is impressively low. TER, or total expense ratio, is what you pay the fund each year to manage and operate the ETF. Costs matter because every fraction of a percent saved stays invested and compounds over decades. Here, the fee level is well below the average for equity funds and very competitive even within index products. That supports better long‑term performance relative to higher‑cost alternatives tracking a similar universe. From a cost perspective, this setup is highly efficient and already aligned with best practices for low‑cost, long‑term investing.
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