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Broad multi cap stock tilt with balanced style mix and modest bonds for a smoother ride

Report created on May 3, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification
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Positions

This portfolio is built mainly from broad stock index ETFs with a small layer of bonds, real estate, and cash. The two biggest pieces are large US value and growth index funds, together a bit over a third of the portfolio. Around a quarter tilts into mid- and small‑cap stocks, and roughly 6% goes into listed real estate. Bonds and cash together sit in the mid‑single digits, matching the “balanced” risk label but still keeping an equity‑driven profile. Structurally, this looks like a diversified equity core with light stabilizers, not a heavy bond mix. That means performance will mostly follow global stock markets, with bonds and cash acting as minor shock absorbers.

Growth Info

From late 2017 to April 2026, $1,000 in this portfolio grew to about $2,387, a compound annual growth rate (CAGR) of 10.96%. CAGR is the “average speed” per year over the whole period, smoothing out the bumps. The worst drop, or max drawdown, was about -34% during early 2020, very similar in depth to the US and global benchmarks and fully recovered within months. Against the US market, the portfolio lagged meaningfully, but it was closer to the global market’s 11.72% CAGR. This pattern is typical of a more globally diversified mix: less tied to one very strong region but still delivering solid long‑term growth. Past performance, of course, doesn’t guarantee similar results ahead.

Projection Info

The Monte Carlo projection runs 1,000 simulated futures using historical return and volatility patterns to estimate a range of outcomes. Think of it as re‑rolling past market behavior many different ways to see how often certain end values show up. For a $1,000 starting amount over 15 years, the median outcome is about $2,701, with a “middle” band from roughly $1,811 to $3,936. Extreme but still plausible paths range from just above $1,000 to around $6,700. The average of all simulations implies an annualized return near 7.6%, with roughly three‑quarters of scenarios ending positive. These numbers are model‑based, not promises; they simply show how a portfolio with this risk profile could behave over longer horizons.

Asset classes Info

  • Stocks
    87%
  • Real Estate
    6%
  • Bonds
    4%
  • No data
    3%

Asset‑class wise, about 87% is in stocks, 6% in listed real estate, 4% in bonds, and 3% in “no data.” Stocks dominate, which is what drives both return potential and day‑to‑day swings. Real estate sits between stocks and bonds in behavior: it’s equity‑like but often responds differently to interest rates and inflation, adding a unique return stream. Bonds, while a small slice, mainly come from investment‑grade and some high‑yield exposures, offering income and some cushioning when equities fall sharply. Compared with a classic “balanced” 60/40 stock‑bond split, this mix is more growth‑oriented, closer to an equity fund with a modest bond buffer than a heavy fixed‑income anchor.

Sectors Info

  • Technology
    20%
  • Financials
    14%
  • Industrials
    13%
  • Real Estate
    9%
  • Health Care
    9%
  • Consumer Discretionary
    8%
  • Telecommunications
    6%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    4%
  • Utilities
    3%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is quite spread out, with technology around 20%, financials and industrials together over a quarter, and meaningful weight in health care, real estate, and consumer‑related areas. No single sector dominates to an extreme degree, and the line‑up roughly resembles broad global equity benchmarks. That alignment is a strong sign of diversification: returns aren’t overly dependent on one industry boom or bust. A balanced sector mix also means performance is influenced by a wide set of economic drivers—consumer spending, business investment, innovation, property markets, and more. Portfolios like this can still experience sector rotations, but they’re less vulnerable to any single theme suddenly going out of favor.

Regions Info

  • North America
    66%
  • Europe Developed
    12%
  • Japan
    5%
  • Asia Developed
    4%
  • Asia Emerging
    4%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about two‑thirds of the exposure is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and emerging regions. That US‑tilt is common in global portfolios and has helped recently, since US stocks have outpaced many markets. At the same time, about a third of the portfolio still sits outside North America, bringing in different currencies, economic cycles, and policy environments. Compared with a pure US portfolio, this mix is more diversified by country. Compared with a strict world‑market‑cap weighting, it’s somewhat US‑heavy, which can amplify the impact of US market trends on the overall portfolio experience.

Market capitalization Info

  • Mid-cap
    28%
  • Mega-cap
    28%
  • Large-cap
    26%
  • Small-cap
    9%
  • Micro-cap
    2%

This breakdown covers the equity portion of your portfolio only.

By company size, the portfolio is nicely tiered: roughly equal slices in mega‑caps, large‑caps, and mid‑caps, plus smaller roles for small‑caps and micro‑caps. That’s more multi‑cap than many index portfolios that lean heavily to the largest names. Large and mega‑caps tend to be more stable and widely followed, often dominating headline indices. Mid‑ and small‑caps can add extra growth potential and sometimes behave differently across market cycles, but they usually come with more volatility. This spread across sizes supports diversification inside the equity bucket itself. It reduces reliance on just a handful of global giants, while still keeping the bulk of capital in relatively established companies.

True holdings Info

  • NVIDIA Corporation
    2.48%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
  • Apple Inc
    2.30%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
  • Microsoft Corporation
    1.69%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Intermediate-Term Corporate Bond Index Fund ETF Shares
  • Alphabet Inc Class A
    1.03%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
  • Vanguard REIT II Index Fund Institutional Plus Shares
    0.87%
    Part of fund(s):
    • Vanguard Real Estate Index Fund ETF Shares
  • Amazon.com Inc
    0.86%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Intermediate-Term Corporate Bond Index Fund ETF Shares
  • Broadcom Inc
    0.82%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
  • Alphabet Inc Class C
    0.82%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
  • Meta Platforms Inc.
    0.77%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.70%
    Part of fund(s):
    • Vanguard FTSE Emerging Markets Index Fund ETF Shares
  • Top 10 total 12.34%

This breakdown covers the equity portion of your portfolio only.

Looking through ETF top‑10 holdings, big global names like NVIDIA, Apple, Microsoft, Alphabet, Amazon, Broadcom, Meta, and TSMC show up across multiple funds. These overlapping positions mean the actual exposure to a handful of mega‑cap growth companies is higher than any single ETF weight suggests. Since coverage only includes ETF top‑10 lists, total overlap is likely understated, but it still highlights a clear theme: a meaningful growth‑tech cluster inside an otherwise diversified structure. This isn’t necessarily a problem; large benchmarks look similar today. It simply means a portion of performance, both positive and negative, will be driven by how this concentrated group of leading companies behaves over time.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 88%
Size
Exposure to smaller companies
Neutral
Data availability: 95%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 88%
Quality
Preference for financially healthy companies
Neutral
Data availability: 88%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 97%

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—value, size, momentum, quality, low volatility, and yield—are all in the “neutral” band, hovering near 50%. In factor terms, that’s quite balanced and close to a plain market‑weighted profile. Factor exposure is like checking the “personality traits” of the portfolio: for example, a strong value tilt would overweight cheaper stocks, while a strong momentum tilt would favor recent winners. Here, no single trait stands out as extreme, so returns are less tied to any one style premium. That can help avoid long periods of underperformance when a specific factor falls out of favor, but it also means the portfolio isn’t making a big, deliberate bet on any one investing style.

Risk contribution Info

  • Vanguard Growth Index Fund ETF Shares
    Weight: 18.63%
    22.6%
  • Vanguard Value Index Fund ETF Shares
    Weight: 19.62%
    18.7%
  • Vanguard Small-Cap Growth Index Fund ETF Shares
    Weight: 5.02%
    6.5%
  • Vanguard Real Estate Index Fund ETF Shares
    Weight: 5.97%
    6.1%
  • Vanguard Small-Cap Value Index Fund ETF Shares
    Weight: 4.96%
    6.0%
  • Top 5 risk contribution 60.0%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. The large US growth ETF is 18.6% of assets but contributes about 22.6% of total risk, so it punches above its weight. Small‑cap growth and small‑cap value funds are also slightly more “risk‑heavy” than their allocations suggest. In contrast, the big value ETF is closer to proportional: almost 20% of the portfolio and about 18.7% of risk. Overall, the top three positions account for just under half of portfolio risk. This is concentrated but not extreme—consistent with a structure where broad core funds set most of the volatility tone.

Redundant positions Info

  • iShares MSCI EAFE Growth ETF
    Vanguard FTSE Developed Markets Index Fund ETF Shares
    Vanguard FTSE Europe Index Fund ETF Shares
    Vanguard FTSE All-World ex-US Small-Cap Index Fund ETF Shares
    iShares MSCI EAFE Value ETF
    High correlation
  • Vanguard Small-Cap Growth Index Fund ETF Shares
    Vanguard Mid-Cap Growth Index Fund ETF Shares
    High correlation
  • Vanguard Value Index Fund ETF Shares
    Vanguard Mid-Cap Value Index Fund ETF Shares
    Vanguard Small-Cap Value Index Fund ETF Shares
    High correlation

The correlation data highlights several pairs of funds that move very similarly, especially across international developed‑market and style‑sliced ETFs. Correlation measures how often assets move together; values closer to 1 mean they tend to rise and fall at the same time. For example, the EAFE growth and value funds are highly aligned with broader developed‑markets and Europe funds, suggesting some redundancy in how they behave. Similarly, mid‑cap and small‑cap style partners (growth with growth, value with value) show strong alignment. High correlations don’t erase diversification benefits entirely, but they do mean that during broad market shocks, many of these holdings are likely to move in the same direction, limiting downside cushioning.

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.

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The efficient frontier chart compares risk (volatility) to expected return using only your existing holdings at different weights. The current portfolio has a Sharpe ratio of 0.44, a measure of return per unit of risk over cash, while the mathematically “optimal” mix of these same funds has a Sharpe of 0.79 at higher expected return and somewhat higher risk. The current allocation sits about 3.2 percentage points below the frontier at its risk level, meaning it’s not using this specific set of ingredients in the most “efficient” way. That doesn’t make it bad; it just means, in theory, reweighting the same holdings could improve the return‑for‑risk tradeoff.

Dividends Info

  • Vanguard Total International Bond Index Fund ETF Shares 4.20%
  • iShares MSCI EAFE Growth ETF 2.40%
  • iShares MSCI EAFE Value ETF 3.80%
  • iShares Broad USD High Yield Corporate Bond ETF 6.30%
  • Vanguard Small-Cap Growth Index Fund ETF Shares 0.50%
  • Vanguard Small-Cap Value Index Fund ETF Shares 1.80%
  • Vanguard Intermediate-Term Corporate Bond Index Fund ETF Shares 4.40%
  • Vanguard Short-Term Corporate Bond Index Fund ETF Shares 4.10%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.70%
  • Vanguard Intermediate-Term Treasury Index Fund ETF Shares 3.50%
  • Vanguard FTSE Europe Index Fund ETF Shares 2.80%
  • Vanguard Short-Term Treasury Index Fund ETF Shares 3.60%
  • Vanguard Mortgage-Backed Securities Index Fund ETF Shares 3.80%
  • Vanguard Real Estate Index Fund ETF Shares 3.60%
  • Vanguard Mid-Cap Value Index Fund ETF Shares 1.90%
  • Vanguard Mid-Cap Growth Index Fund ETF Shares 0.60%
  • Vanguard FTSE Pacific Index Fund ETF Shares 3.00%
  • Vanguard FTSE All-World ex-US Small-Cap Index Fund ETF Shares 3.10%
  • Vanguard Value Index Fund ETF Shares 1.90%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.50%
  • Vanguard Emerging Markets Government Bond Index Fund ETF Shares 5.40%
  • Fidelity Govt Cash Rsrvs 3.40%
  • Weighted yield (per year) 2.02%

The overall dividend yield of about 2.02% reflects a blend of growth‑oriented equities, value and international stocks, and a small slice of higher‑yielding bonds and cash. Yield is the income paid out each year as a percentage of the portfolio’s value, separate from price moves. Growth funds tend to have lower yields, while value stocks, bonds, and real estate add more income. Here, bond ETFs show yields in the roughly 3.5–6% range, and the REIT fund around 3.6%, helping lift the income component. This level of yield means a modest but steady stream of cashflows, with total return still likely dominated by capital gains from the equity portion over time.

Ongoing product costs Info

  • Vanguard Total International Bond Index Fund ETF Shares 0.07%
  • iShares MSCI EAFE Growth ETF 0.36%
  • iShares MSCI EAFE Value ETF 0.34%
  • iShares Broad USD High Yield Corporate Bond ETF 0.08%
  • Vanguard Small-Cap Growth Index Fund ETF Shares 0.07%
  • Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard Intermediate-Term Corporate Bond Index Fund ETF Shares 0.04%
  • Vanguard Short-Term Corporate Bond Index Fund ETF Shares 0.04%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard Intermediate-Term Treasury Index Fund ETF Shares 0.04%
  • Vanguard FTSE Europe Index Fund ETF Shares 0.06%
  • Vanguard Short-Term Treasury Index Fund ETF Shares 0.04%
  • Vanguard Mortgage-Backed Securities Index Fund ETF Shares 0.04%
  • Vanguard Real Estate Index Fund ETF Shares 0.12%
  • Vanguard Mid-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard Mid-Cap Growth Index Fund ETF Shares 0.07%
  • Vanguard FTSE Pacific Index Fund ETF Shares 0.08%
  • Vanguard FTSE All-World ex-US Small-Cap Index Fund ETF Shares 0.08%
  • Vanguard Value Index Fund ETF Shares 0.04%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Vanguard Emerging Markets Government Bond Index Fund ETF Shares 0.20%
  • Weighted costs total (per year) 0.08%

Costs are a clear strong point. The weighted total expense ratio (TER) is about 0.08%, which is extremely low for a multi‑fund, globally diversified mix. TER is the annual fee the funds charge, expressed as a percentage of assets—like a small haircut from returns each year. Most holdings sit in the 0.04–0.12% range, with only the EAFE style ETFs and emerging‑markets bonds a bit higher but still reasonable. Low costs matter because they compound in your favor; every basis point not paid in fees stays invested. This fee structure is very well aligned with best practices for long‑term, index‑based portfolios.

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