Broad global equity blend with strong diversification and modest tilt toward industrial and technology themes

Report created on Apr 12, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

The portfolio is almost entirely made up of equity ETFs, with a very small slice in a money market fund. It mixes broad U.S. exposure, international developed and emerging markets, plus several focused themes like technology, infrastructure, and aerospace. This structure means returns are mainly driven by global stock markets, not bonds or cash. For a balanced-risk profile, the allocation leans growth-oriented but still spreads risk across many managers and styles. The takeaway here is that the core design is equity-heavy but nicely diversified within that universe, so short-term swings can be meaningful while long-term growth potential remains strong if markets continue to reward global stocks.

Growth Info

From late 2023 to early 2026, $1,000 grew to about $1,711, giving a compound annual growth rate (CAGR) of 23.8%. CAGR is the “average speed” of growth per year, smoothing the bumps along the way. That outpaced both the U.S. market and global market by just over 2 percentage points a year, which is a solid edge. The maximum drawdown, or worst peak‑to‑trough drop, was about -16%, slightly better than the U.S. benchmark’s -19%. This mix has historically delivered strong upside without adding extra downside. Just remember, this is a short and strong period; markets were favorable, and past performance doesn’t guarantee the next few years look similar.

Projection Info

The Monte Carlo projection uses historical returns and volatility to simulate 1,000 possible 15‑year paths for a $1,000 investment. Think of it as running alternate futures where markets randomly behave like they have in the past. The median outcome lands near $2,657, with a wide but realistic range from about $1,081 to $6,946 (5th–95th percentile). The average simulated annual return is 7.64%, with a 73% chance of ending positive. This illustrates that long‑term equity investing is likely rewarding but far from guaranteed, and outcomes can vary a lot. Simulations are only as good as their assumptions, so they’re a guide to risk and uncertainty, not a prediction.

Asset classes Info

  • Stocks
    70%
  • No data
    30%

On the asset‑class view, around 70% is clearly identified as stocks, with the remainder in the “no data” bucket, which mainly reflects missing classification rather than a deliberate design choice. What’s clear is that this is primarily an equity portfolio, not a stock‑bond mix. For a “balanced” risk rating, this emphasizes return potential over downside cushioning you’d normally get from bonds or other defensive assets. The diversification score of 5/5 shows that within equities the spread is excellent, which is a big positive. The main takeaway: risk management here comes from diversification across many stocks and regions rather than from holding safer asset classes.

Sectors Info

  • Industrials
    18%
  • Technology
    15%
  • Financials
    10%
  • Consumer Discretionary
    6%
  • Energy
    5%
  • Health Care
    3%
  • Utilities
    3%
  • Telecommunications
    3%
  • Basic Materials
    3%
  • Consumer Staples
    3%
  • Real Estate
    1%

Sector exposure is nicely spread, with industrials the largest slice, followed by technology and then financials. Exposure to areas like clean energy infrastructure and aerospace helps explain the higher industrial and related weights. This differs from a typical global benchmark that’s more heavily driven by mega-cap technology and communications names. The benefit is that returns are tied to a broader set of economic drivers like manufacturing, grid upgrades, and defense spending, not just pure software and internet growth. On the flip side, sectors like health care and consumer staples are smaller, so the portfolio may feel more sensitive to cycles in capital spending and innovation than to traditionally defensive areas.

Regions Info

  • North America
    43%
  • Europe Developed
    12%
  • Asia Emerging
    8%
  • Japan
    3%
  • Asia Developed
    2%
  • Latin America
    1%
  • Australasia
    1%

Geographically, about 43% sits in North America, with the rest spread across developed Europe, emerging Asia, Japan, and smaller stakes in other regions. That’s a more globally balanced stance than many U.S.-centric portfolios, which often run 60–70% in domestic stocks. This alignment with broader world weights is a real strength: it reduces dependence on any single economy, policy regime, or currency. Dedicated allocations to India, Japan, and Europe add distinct growth and valuation drivers. The trade‑off is that parts of the world can underperform the U.S. for long stretches, but the structure is consistent with long‑term diversification best practices and supports smoother outcomes over decades.

Market capitalization Info

  • Mega-cap
    23%
  • Large-cap
    20%
  • Mid-cap
    13%
  • Small-cap
    9%
  • Micro-cap
    4%

Market capitalization is well distributed: sizable allocations to mega and large caps, alongside meaningful mid, small, and even micro-cap exposure. This mix taps into the stability and liquidity of big companies while still capturing the higher growth and risk of smaller firms. Compared to a pure large‑cap index, the added small and micro exposure can boost long‑term expected returns but can also amplify volatility during downturns or liquidity squeezes. Overall, the spread across sizes is thoughtfully balanced and close to what many global multi-cap strategies aim for, so the portfolio isn’t overly skewed to a single company size segment.

True holdings Info

  • NVIDIA Corporation
    2.36%
    Part of fund(s):
    • Capital Group Dividend Value ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • iShares Evolved U.S. Technology ETF
  • Broadcom Inc
    1.91%
    Part of fund(s):
    • Capital Group Dividend Value ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • iShares Evolved U.S. Technology ETF
  • Apple Inc
    1.79%
    Part of fund(s):
    • American Century ETF Trust - Avantis U.S. Large Cap Value ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • iShares Evolved U.S. Technology ETF
  • Microsoft Corporation
    1.59%
    Part of fund(s):
    • Capital Group Dividend Value ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • iShares Evolved U.S. Technology ETF
  • Amazon.com Inc
    1.45%
    Part of fund(s):
    • American Century ETF Trust - Avantis U.S. Large Cap Value ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • iShares Evolved U.S. Technology ETF
  • Palantir Technologies Inc.
    0.98%
    Part of fund(s):
    • iShares Evolved U.S. Technology ETF
  • Meta Platforms Inc.
    0.85%
    Part of fund(s):
    • American Century ETF Trust - Avantis U.S. Large Cap Value ETF
    • Capital Group Dividend Value ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
  • Alphabet Inc Class A
    0.84%
    Part of fund(s):
    • State Street® SPDR® Portfolio S&P 500® ETF
    • iShares Evolved U.S. Technology ETF
  • ABB Ltd
    0.72%
    Part of fund(s):
    • First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund
    • WisdomTree European Opportunities Fund
  • Marubeni Corp.
    0.68%
    Part of fund(s):
    • WisdomTree Japan Opportunities Fund
  • Top 10 total 13.18%

Looking through the ETFs, the biggest underlying names include NVIDIA, Broadcom, Apple, Microsoft, Amazon, and other large tech‑related firms. These appear across multiple funds, especially the S&P 500 and technology-tilted ETFs, creating “hidden” concentration even though each ETF is diversified. Because only ETF top‑10s are used, actual overlap is likely higher. This matters because several seemingly separate funds can all move together when those mega-cap leaders rally or sell off. The portfolio still benefits from broad diversification, but it’s worth recognizing that a meaningful slice of risk is effectively tied to a handful of dominant U.S. growth companies.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 79%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 79%
Quality
Preference for financially healthy companies
Neutral
Data availability: 82%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

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 — all sit in the neutral, market‑like range. Factor investing focuses on these traits because research shows they help explain why some stocks outperform over time. Here, no single factor stands out as a strong tilt, which means the portfolio is behaving much like the broad market mix of styles. That’s actually a positive, given you already have thematic and regional tilts elsewhere. It lowers the chance of big style rotations (like growth vs value) driving large gaps versus the market. The takeaway: this is a factor‑balanced portfolio, so its behavior should be fairly “benchmark‑like” over time.

Risk contribution Info

  • State Street® SPDR® Portfolio S&P 500® ETF
    Weight: 18.08%
    17.8%
  • iShares Evolved U.S. Technology ETF
    Weight: 9.85%
    13.0%
  • American Century ETF Trust - Avantis U.S. Large Cap Value ETF
    Weight: 11.60%
    11.3%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 7.96%
    9.7%
  • First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund
    Weight: 7.76%
    9.5%
  • Top 5 risk contribution 61.2%

Risk contribution shows how much each holding adds to overall volatility, which can differ from its weight. The S&P 500 ETF is 18% of the portfolio and contributes about 18% of risk, so it behaves proportionally. The technology ETF is under 10% by weight but adds over 13% of risk, and the clean grid and small‑cap value ETFs also punch above their weights. Top three holdings account for about 42% of portfolio risk. That’s not extreme, but it does show that a relatively small number of growth‑ and small‑cap‑tilted positions drive a big chunk of the ups and downs. Tweaking those position sizes is the main lever if smoother volatility ever becomes a priority.

Redundant positions Info

  • Vanguard Total International Stock Index Fund ETF Shares
    Capital Group International Equity ETF
    High correlation

The correlation view highlights that the Capital Group International Equity ETF and the Vanguard Total International Stock ETF move almost identically. Correlation measures how often assets move together; when it’s high, holding both gives less diversification than the number of positions suggests. In practice, these two funds are essentially different wrappers around a very similar basket of international stocks. This isn’t a problem by itself — international exposure is valuable — but it does mean the “number of tickers” overstates true diversification. The main insight: the global equity risk here is already well represented, with some redundancy between international funds.

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 portfolio sits below the efficient frontier. The efficient frontier shows the best expected return for each level of risk using only your existing holdings but with different weightings. The current Sharpe ratio of 1.24 (risk‑adjusted return) is clearly lower than the optimal and minimum‑variance mixes, which reach above 2.6. That suggests the same ingredients could be combined in a way that either reduces risk for similar returns or raises expected returns for similar risk. The nice part: no new products are needed. Just reweighting among the current ETFs could move the portfolio closer to that frontier and make the risk taken work harder.

Dividends Info

  • American Century ETF Trust - Avantis U.S. Large Cap Value ETF 1.20%
  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Capital Group Dividend Value ETF 1.30%
  • Capital Group International Equity ETF 1.10%
  • Dimensional ETF Trust - Dimensional International Small Cap ETF 2.10%
  • First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund 0.90%
  • iShares Evolved U.S. Technology ETF 0.40%
  • Vanguard Federal Money Market Fund Investor Shares 3.70%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • SPDR® S&P Aerospace & Defense ETF 0.30%
  • WisdomTree European Opportunities Fund 2.80%
  • WisdomTree Japan Opportunities Fund 1.50%
  • State Street® SPDR® Portfolio S&P 500® ETF 1.10%
  • Weighted yield (per year) 1.22%

The portfolio’s total yield is around 1.22%, which is modest compared with income-focused strategies but typical for growth‑oriented equity mixes. Individual holdings vary: international small caps, broad international equity, and some regional funds pay higher yields, while technology, clean infrastructure, and aerospace ETFs offer lower income but more growth potential. The small money market slice yields more but is too tiny to move the needle. For investors focused mainly on total return rather than living off dividends, this structure works well. If income needs rose in the future, shifting toward higher‑yielding funds could matter, but right now the setup is clearly tilted to growth over cash flow.

Ongoing product costs Info

  • American Century ETF Trust - Avantis U.S. Large Cap Value ETF 0.15%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Capital Group Dividend Value ETF 0.33%
  • Capital Group International Equity ETF 0.54%
  • Dimensional ETF Trust - Dimensional International Small Cap ETF 0.39%
  • WisdomTree India Earnings Fund 0.85%
  • First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund 0.57%
  • iShares Evolved U.S. Technology ETF 0.18%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • SPDR® S&P Aerospace & Defense ETF 0.35%
  • Weighted costs total (per year) 0.24%

The weighted total expense ratio sits at a low 0.24%, which is impressively efficient given the mix of broad index and more specialized ETFs. Costs are essentially the “drag” on performance you pay each year, and even small differences compound meaningfully over decades. Cheap core holdings like the S&P 500 and Vanguard international ETF offset pricier thematic and regional funds such as India and clean grid. This balance lets the portfolio access distinctive exposures without letting fees get out of hand. Overall, the cost structure is a real strength and supports better long‑term net returns compared with higher‑fee portfolios pursuing similar strategies.

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