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This portfolio collects stock index funds like Pokémon cards then wonders why everything moves together

Report created on Jul 25, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is basically three ideas repeated twelve times: total US stock, S&P 500, and core international, plus a tiny bond afterthought and a couple of target-date funds tossed in like garnish. Almost half the money lives in one total US fund, while the next chunk is an active-ish international sleeve, then duplicate 500 funds piled on for no good structural reason. It looks less like a plan and more like a history of every “good idea at the time” trade that never got cleaned up. The result: big positions doing the real work, and a trailing cloud of tiny, overlapping funds providing complexity without meaningfully changing the outcome.

Growth Info

Historically, this Frankenstein of index funds did fine but not impressive given what it actually owns. Turning $1,000 into $3,365 over the period with a 12.97% CAGR sounds great… until the plain-vanilla US market strolls past at 14.95%. You basically held a slightly dulled-down US index with extra paperwork. Against the global market, it edges ahead by a modest 0.56% a year, so it’s not a disaster, just oddly underpowered for how equity-heavy it is. Same COVID crash depth as the market and a five‑month recovery show it behaves like a stock portfolio in a storm, just a slightly slower one in the sunshine.

Projection Info

The Monte Carlo projection says the future is… aggressively average. Monte Carlo is just a fancy way of saying “we ran thousands of what‑if timelines using past-style randomness and saw what happens.” Median $1,000 → $2,632 over 15 years with a 7.63% annualized return expectation isn’t thrilling for something that still swings like a stock portfolio. The downside is sobering: a 1‑in‑20 outcome barely above $1,000 after 15 years of risk, while the upside is there but not blow‑your‑mind huge. As always, this is yesterday’s weather driving tomorrow’s forecast, but it shows a lot of volatility for a not‑insane payoff.

Asset classes Info

  • Stocks
    91%
  • Bonds
    9%

Asset class split: 91% stocks, 9% bonds, but somehow this still got labeled “balanced.” This is “balanced” in the same way a burger with one leaf of lettuce is a salad. With that much equity, the portfolio will mostly live and die with stock markets, and the bond slice is too small to be a real shock absorber. It’s more like a token nod to “being responsible” than an actual ballast. The amusing bit: for all the duplicate bond funds, the fixed income chunk is still tiny, so the complication is mostly cosmetic rather than doing anything meaningful to the risk profile.

Sectors Info

  • Technology
    27%
  • Financials
    13%
  • Industrials
    11%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Health Care
    8%
  • Consumer Staples
    4%
  • Energy
    4%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, this thing is just a slightly polished clone of the broad market, with a tech tilt front and center at 27%. It’s not an all‑in tech gamble, but it’s definitely riding the global trend of “please let chips and cloud save my portfolio.” The rest is textbook: financials, industrials, consumer, health care all sitting in sensible, index-like ranges. So the portfolio isn’t making bold sector bets; it’s just passively accepting whatever the index complex decided. The quiet catch: when the broad market is this tech‑tilted, acting “neutral” is still taking a big sector stance by default.

Regions Info

  • North America
    70%
  • Europe Developed
    12%
  • No data
    9%
  • Japan
    5%
  • Asia Developed
    1%
  • Australasia
    1%
  • Asia Emerging
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, this is classic US-homebody behavior: 70% in North America, with the rest dribbled around Europe, Japan, and a token sprinkle in other regions. It’s basically saying, “the rest of the world exists, but let’s not get carried away.” For a portfolio that holds both total US and global-type funds, the end result is still America-first almost by reflex. Nine percent “no data” is just the reporting quirk from some funds, not a mystery black hole, but it does underline how little true global exploration is going on. This is a US-heavy ship with some international flags taped on the sides.

Market capitalization Info

  • Mega-cap
    36%
  • Large-cap
    28%
  • Mid-cap
    19%
  • Small-cap
    5%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

Market cap exposure is almost aggressively average: 36% mega-cap, 28% large, 19% mid, a light dusting of small and micro. In other words, this is just a slightly smoothed version of the stock market itself. There’s no strong bet on nimble small names or super‑stable giants; it’s index autopilot. That’s fine, but it also means all those overlapping funds ultimately converge on the same mega-cap‑dominated outcome. The 1% in micro‑caps is the rounding error of “we bought the whole market,” not a meaningful tilt. So nothing brave here, just a market‑shaped blob wrapped in multiple wrappers.

True holdings Info

  • NVIDIA Corporation
    0.02%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc.
    0.01%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    0.01%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    0.01%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    0.01%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    0.01%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    0.01%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Micron Technology Inc
    0.00%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    0.00%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    0.00%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 0.08%

This breakdown covers the equity portion of your portfolio only.

The look‑through data is basically useless here because almost everything is mutual funds, not ETFs, so the system barely sees under the hood. We get a cameo from the usual mega-cap celebrities — NVIDIA, Apple, Microsoft, Amazon, Alphabet — but at comically tiny reported levels. Reality check: the actual exposure to these names is vastly higher; it just doesn’t show because we only see ETF top‑10s. So the portfolio’s real hidden concentration in those giants is being politely censored by the data. The one clear insight: the portfolio is definitely riding the same handful of global titans whether it admits it or not.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 72%
Size
Exposure to smaller companies
Neutral
Data availability: 72%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 72%
Quality
Preference for financially healthy companies
Neutral
Data availability: 72%
Yield
Preference for dividend-paying stocks
Low
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 72%

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-wise, this portfolio manages the rare feat of being almost perfectly unopinionated. Value, size, momentum, quality, and low volatility all hover around “neutral,” meaning it’s basically a factor index cosplay of the overall market. The one actual tilt is low yield at 30%, so it quietly favors companies that reinvest rather than pay out much cash. Factor exposure is like the ingredient label for your returns, and here the label just says “generic market blend with less income.” It will generally behave like broad indices across cycles, without any smart‑beta personality to help or hurt when specific styles go in or out of fashion.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund Admiral Shares
    Weight: 47.03%
    55.4%
  • INTERNATIONAL CORE EQUITY PORTFOLIO INTERNATIONAL CORE EQUITY PORTFOLIO - INSTITUTIONAL CLASS
    Weight: 19.01%
    16.1%
  • VANGUARD 500 INDEX FUND INSTITUTIONAL SELECT SHARES
    Weight: 6.69%
    7.7%
  • Fidelity 500 Index Fund
    Weight: 6.54%
    7.5%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES
    Weight: 3.55%
    3.3%
  • Top 5 risk contribution 90.0%

Risk contribution is where the portfolio finally shows its real face. That 47% position in Vanguard Total Stock Market is doing 55% of the total risk heavy lifting, meaning over half the drama comes from one fund. Layer on the duplicate S&P 500 funds and you’ve got the top three positions driving almost 80% of total risk. All the other little holdings are basically extras in a movie starring US large‑caps. Risk contribution is about who’s actually shaking the portfolio, not who’s just listed on the cast sheet — and here, it’s a small main cast with a bloated list of background characters.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    VANGUARD GROWTH INDEX FUND ADMIRAL SHARES
    Vanguard Total Stock Market Index Fund Admiral Shares
    VANGUARD TARGET RETIREMENT 2050 FUND INVESTOR SHARES
    VANGUARD 500 INDEX FUND INSTITUTIONAL SELECT SHARES
    VANGUARD GROWTH INDEX FUND INSTITUTIONAL SHARES
    VANGUARD TARGET RETIREMENT 2055 FUND INVESTOR SHARES
    Fidelity 500 Index Fund
    Fidelity Total Market Index Fund
    High correlation
  • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS
    Vanguard Total Bond Market Index Fund Admiral Shares
    VANGUARD TOTAL BOND MARKET INDEX FUND INSTITUTIONAL PLUS SHARES
    High correlation

The correlation list reads like a comedy sketch about redundancy. Your total market fund moves almost identically to your S&P 500 funds, which move almost identically to your growth funds, which move almost identically to your target-date funds. This isn’t diversification; it’s buying the same song on multiple playlists and calling it a music library. On the bond side, the different bond index flavors are also joined at the hip. High correlation means when one falls, its twins fall with it — different tickers, same emotional experience. The portfolio has variety in names, not in 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.

Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it

On the risk/return chart, this portfolio actually sits right on or very near the efficient frontier, which is slightly embarrassing in a good way. The efficient frontier is the curve showing the best possible return for each level of risk using just your existing ingredients. You’re not wasting risk; the Sharpe ratio of 0.59 is decent for the chaos level taken. The catch: the “optimal” mix of the same funds could earn meaningfully more (17.36% vs. 13.13%) at higher volatility, so the current version is basically a middle‑lane driver. Not badly constructed, just oddly overcomplicated for something that ends up being mathematically efficient.

Dividends Info

  • INTERNATIONAL CORE EQUITY PORTFOLIO INTERNATIONAL CORE EQUITY PORTFOLIO - INSTITUTIONAL CLASS 3.00%
  • Fidelity Total Market Index Fund 1.00%
  • Fidelity 500 Index Fund 1.10%
  • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 3.20%
  • VANGUARD TOTAL BOND MARKET INDEX FUND INSTITUTIONAL PLUS SHARES 4.10%
  • Vanguard Total Bond Market Index Fund Admiral Shares 4.00%
  • VANGUARD 500 INDEX FUND INSTITUTIONAL SELECT SHARES 1.10%
  • VANGUARD TARGET RETIREMENT 2055 FUND INVESTOR SHARES 1.90%
  • VANGUARD TARGET RETIREMENT 2050 FUND INVESTOR SHARES 1.90%
  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES 0.40%
  • VANGUARD GROWTH INDEX FUND INSTITUTIONAL SHARES 0.40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES 2.60%
  • Vanguard Total Stock Market Index Fund Admiral Shares 1.10%
  • Weighted yield (per year) 1.75%

Income-wise, this thing is firmly in “don’t quit your day job” territory. A total yield of 1.75% is fine for a growth‑leaning equity mix, but it’s nowhere near an income machine. The higher‑yielding pieces are mostly the bond funds and the international core, while the growth funds proudly pay almost nothing. That low yield factor tilt shows up clearly here: the portfolio would rather chase reinvested earnings than send regular cash. Dividends aren’t everything, but if someone thought this was a stealth income portfolio, the payouts are more “occasional pocket money” than “rent money.”

Ongoing product costs Info

  • INTERNATIONAL CORE EQUITY PORTFOLIO INTERNATIONAL CORE EQUITY PORTFOLIO - INSTITUTIONAL CLASS 0.23%
  • Fidelity Total Market Index Fund 0.02%
  • Fidelity 500 Index Fund 0.02%
  • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
  • VANGUARD TOTAL BOND MARKET INDEX FUND INSTITUTIONAL PLUS SHARES 0.02%
  • Vanguard Total Bond Market Index Fund Admiral Shares 0.04%
  • VANGUARD 500 INDEX FUND INSTITUTIONAL SELECT SHARES 0.01%
  • VANGUARD TARGET RETIREMENT 2055 FUND INVESTOR SHARES 0.08%
  • VANGUARD TARGET RETIREMENT 2050 FUND INVESTOR SHARES 0.08%
  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES 0.05%
  • VANGUARD GROWTH INDEX FUND INSTITUTIONAL SHARES 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES 0.09%
  • Vanguard Total Stock Market Index Fund Admiral Shares 0.04%
  • Weighted costs total (per year) 0.08%

Costs are the one area where this portfolio looks like it actually reads a fact sheet. A total TER around 0.08% is impressively low, especially for a mess of overlapping funds. That said, there’s an undeniable comedy in paying 0.01–0.04% repeatedly for several funds that do almost the same thing. It’s like bragging about finding 10 different cheap gas stations on the same street. Still, the end result is that fees are absolutely not the villain here — performance and structure are. The wallet leak is tiny; the real issue is how many nearly identical pipes it took to deliver that outcome.

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