Globally diversified stock portfolio with strong growth tilt and highly efficient low cost core holdings
Report created on Apr 10, 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.
Positions
-
VT Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 79.60% -
MS Microsoft Corporation
MSFT - US5949181045 8.00% -
WM Walmart Inc. Common Stock
WMT - US9311421039 5.20% -
AM Amazon.com Inc
AMZN - US0231351067 3.70% -
GO Alphabet Inc Class C
GOOG - US02079K1079 3.50%
The portfolio is almost entirely anchored in one global equity ETF at roughly 80%, with the rest in four large individual stocks. That structure means most of the ride comes from broad global markets, while a small satellite sleeve tilts toward specific big names. This kind of “core and satellites” setup is common for growth-focused investors who want both diversification and a bit of extra punch. The big positive here is simplicity: one core fund does most of the heavy lifting. The key tradeoff is that the stock picks add concentration risk, so sizing those positions thoughtfully is important to keep overall risk in line with comfort levels.
Growth
From 2016 to early 2026, $1,000 grew to about $3,906, a compound annual growth rate (CAGR) of 14.66%. CAGR is like your average speed over a road trip, smoothing out bumps along the way. That return slightly beat the US market and clearly beat the global market, which is a strong outcome. The worst drop, or max drawdown, was about -30% during early 2020, less severe than the benchmarks. That shows the portfolio handled a major stress test reasonably well. Still, those sharp falls are a reminder that equities can be very bumpy, and future returns can differ a lot from this strong decade.
Projection
The Monte Carlo simulation projects thousands of possible 15‑year paths using historical volatility and correlations, then summarizes the range of outcomes. It’s like running many alternate futures based on how similar portfolios have behaved in the past. The median projection takes $1,000 to around $2,916, with a wide “likely” band from about $1,823 to $4,214 and more extreme cases from roughly breakeven to over $8,000. The average annualized return across simulations is 8.3%. These numbers are not promises; they’re scenario maps. Actual future returns could be higher or lower, especially if markets behave differently from the historical period.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with no bonds, cash, or alternative assets. That pure‑equity stance is typical for growth‑oriented investors willing to accept sizable ups and downs in exchange for higher long‑term return potential. The upside is clear: over long horizons, stocks have historically outpaced safer assets. The downside is that there’s no built‑in shock absorber when markets fall, so drawdowns can be deep and emotionally challenging. For shorter time horizons or lower risk tolerance, mixing in other asset classes usually helps smooth the ride, but for long‑term growth, a 100% stock allocation is a coherent stance.
Sectors
- Technology 28%
- Financials 13%
- Consumer Discretionary 12%
- Industrials 10%
- Telecommunications 10%
- Consumer Staples 9%
- Health Care 7%
- Basic Materials 4%
- Energy 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is fairly broad, with technology the largest slice at 28% and meaningful allocations across financials, consumer areas, industrials, telecom, and health care. That tech tilt is somewhat higher than typical global benchmarks, reflecting both the ETF’s composition and the added individual growth stocks. Tech‑heavy portfolios often shine in innovation‑driven bull markets but can be more sensitive when interest rates rise or when sentiment turns against high‑growth names. The encouraging part is that no single sector dominates the entire portfolio, and the spread across cyclical and defensive areas supports diversification, even with a noticeable growth and tech flavor.
Regions
- North America 71%
- Europe Developed 12%
- Japan 5%
- Asia Developed 5%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
The geographic mix leans strongly toward North America at 71%, with the rest spread across developed Europe, Japan, other developed Asia, and emerging markets. This is broadly in line with global market weights, where the US and Canada make up a big chunk of total equity value. That alignment is a positive: it helps avoid making big, accidental macro bets on one region. The smaller, but present, stakes in Asia, Europe, and emerging markets mean the portfolio participates in global growth rather than being tied entirely to one economy. Currency and political risks are diversified as well, not overly concentrated.
Market capitalization
- Mega-cap 55%
- Large-cap 25%
- Mid-cap 14%
- Small-cap 4%
- Micro-cap 1%
Market cap exposure is dominated by mega‑cap and large‑cap stocks, together around 80%, with modest slices in mid, small, and micro caps. Mega caps are the household names: they tend to be more stable, more liquid, and often drive index returns. This tilt helps reduce some of the extreme volatility seen in tiny companies but can limit the “small‑cap premium” that sometimes appears over very long periods. The presence of smaller caps, even at low weights, still adds some diversification because they can behave differently from giants. Overall, this is a big‑company‑centric profile with a light seasoning of smaller firms.
True holdings
-
Part of fund(s):
- Vanguard Total World Stock Index Fund ETF Shares
-
-
Part of fund(s):
- Vanguard Total World Stock Index Fund ETF Shares
-
Part of fund(s):
- Vanguard Total World Stock Index Fund ETF Shares
-
NV NVIDIA Corporation 2.99%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
AA Apple Inc 2.77%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.31%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.09%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
AV Broadcom Inc 1.06%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.02%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
- Top 10 total 35.23%
Looking through the ETF’s top holdings, there’s meaningful overlap with the four individual stocks, especially Microsoft, Amazon, and Alphabet. Microsoft’s total exposure is about 10%, with roughly a fifth of that coming from the ETF. Overlap matters because it creates “hidden concentration”: the portfolio looks diversified on the surface but leans harder into a few names underneath. Since ETF data here only covers top-10 positions, the overlap is likely understated. The main takeaway is that those tech-driven giants drive a bigger share of results than position weights alone suggest, so their fortunes will be felt strongly.
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 all in the “neutral” band for value, size, momentum, quality, yield, and low volatility. Factors are like the underlying traits that explain why some stocks behave differently — for example, “value” is cheap vs. expensive; “momentum” is recent winners vs. laggards. Being near 50% across the board means this portfolio behaves similarly to the broad global market, without strong bets on any specific style. That’s a strength if the goal is to stay broadly diversified and avoid timing factor cycles. It also means there’s no built‑in tilt that could either significantly boost or drag performance in specific environments.
Risk contribution
-
Vanguard Total World Stock Index Fund ETF Shares
Weight: 79.60% 78.0% -
Microsoft Corporation
Weight: 8.00% 10.1% -
Amazon.com Inc
Weight: 3.70% 4.8% -
Alphabet Inc Class C
Weight: 3.50% 4.3% -
Walmart Inc. Common Stock
Weight: 5.20% 2.8%
Risk contribution shows how much each holding drives overall volatility, which can differ from its weight. Here, the global ETF is about 80% of the portfolio and contributes around 78% of risk, which is very proportional. The individual growth stocks punch a bit above their weight: Microsoft, Amazon, and Alphabet together are a smaller slice by weight but contribute nearly 20% of total risk. Walmart adds less risk than its weight, acting more defensively. With the top three holdings making up nearly 93% of overall risk, the portfolio’s behavior is heavily tied to them, so monitoring those positions is especially important.
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 below the efficient frontier, meaning it’s not making the most of its holdings at this risk level. The Sharpe ratio, which measures return per unit of risk above a risk‑free rate, is 0.63, while both the minimum variance and optimal portfolios have higher Sharpe values. The encouraging part: the frontier uses only existing holdings. So, in theory, just reweighting the same five positions could either lower risk for similar returns or boost expected returns for similar risk. That suggests room for fine‑tuning without changing the actual lineup of investments.
Dividends
- Alphabet Inc Class C 0.30%
- Microsoft Corporation 0.90%
- Vanguard Total World Stock Index Fund ETF Shares 1.70%
- Walmart Inc. Common Stock 0.70%
- Weighted yield (per year) 1.47%
The portfolio’s total dividend yield is about 1.47%, with the global ETF around 1.7% and the big individual names generally paying modest or no dividends. Yield is the cash income you receive each year as a percentage of your investment. This level fits a growth‑oriented approach, where companies often reinvest profits instead of paying them out. For investors focused on income, this yield would be on the low side, but for long‑term growth, reinvested dividends plus price appreciation can compound nicely. The key is recognizing this is primarily a capital‑growth setup, with dividends as a smaller, supportive component.
Ongoing product costs
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- Weighted costs total (per year) 0.06%
Costs are impressively low: the overall TER is about 0.06%, driven by the Vanguard global ETF at 0.07%. TER, or Total Expense Ratio, is the annual fee charged by funds, and small differences compound over decades. Being this close to rock‑bottom costs is a genuine advantage because more of the portfolio’s return stays in your pocket each year. Relative to many actively managed funds charging 0.5–1% or more, this structure is very efficient. Low fees don’t guarantee better performance, but they raise the hurdle for any higher‑cost alternative to add value, which is a strong long‑term foundation.
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