Hyper diversified yet somehow boring all stock portfolio that quietly lets the US do everything
Report created on Apr 11, 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
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VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 67.65% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 19.18% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 9.82% -
VT Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 3.35%
This “portfolio” is basically one big US total market fund wearing three slightly different hats. Almost 68% in a single broad US ETF, another nearly 20% in international, 10% in dividend stocks, and then you randomly threw in a global ETF for 3% like a decorative garnish. Structurally it’s fine, just hilariously redundant: the world fund overlaps the US and international funds you already own, without moving the needle on risk or return. It’s like buying a combo meal and then adding an extra fry. Takeaway: the core idea is solid and simple, but the extra pieces add more complexity in tracking than benefit in behavior.
Growth
Historically, this mix did very well in dollar terms: $1,000 turning into $3,393 at a 13.04% CAGR is nothing to sneer at. CAGR (compound annual growth rate) is the “average speed” over the whole trip, potholes and all. But compared to the US market, you lagged by 1.43% a year — that’s the price of insisting on international exposure while the US was on a heater. You did beat the global market by about 1.06% a year, so at least it wasn’t dead weight. Max drawdown at -34.48% was brutal but basically in line with everything else falling off a cliff in 2020. Past data is yesterday’s weather, not tomorrow’s forecast, but it shows this thing can punch.
Projection
The Monte Carlo simulation basically runs your portfolio through 1,000 alternate futures and asks, “How often does this end badly?” Median result: $1,000 becomes $2,732 after 15 years, around an 8% annualized return across all simulations. Nice, but the range is wide: from about $914 (you basically spin your wheels) to a spicy $7,645 if markets are kind. Around 73% of simulations end positive, which is decent but not magical. As always, these simulations are just fancy extrapolations of past behavior — like using last decade’s weather to guess the next 15 summers. Helpful, but not sacred. Takeaway: this portfolio leans growthy and volatile, but mostly lands on its feet over long horizons.
Asset classes
- Stocks 100%
Asset classes: 100% stocks, 0% chill. For something labeled “Balanced Investors” with a 4/7 risk score, this is more “I heard bonds exist but I’m not into that vibe.” No cushion, no ballast, just full-time exposure to equity mood swings. When stocks go up, you look smart; when they crash, you eat the full -30%+ without a single boring asset stepping in to soften the blow. All-in equity can make sense for long horizons and strong stomachs, but let’s not pretend this is genuinely balanced. Takeaway: this setup assumes both your time horizon and your emotional tolerance are tall enough for the roller coaster.
Sectors
- Technology 26%
- Financials 14%
- Industrials 11%
- Health Care 11%
- Consumer Discretionary 10%
- Telecommunications 8%
- Consumer Staples 7%
- Energy 5%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector mix screams “index addict with a tech habit.” Technology at 26% leads the show, with financials, industrials, and health care sitting in the supporting cast. You’re not insanely concentrated in one theme, but tech is clearly the main character — and many of your top look-through names come from that same universe. The rest is a decently rounded ensemble: consumer stuff, telecom, a sprinkle of energy, utilities, and real estate for flavor. This is essentially a very normal market-like sector spread with a modern tech tilt, which is logical but also means you fully ride the cycle where innovation darlings soar then occasionally faceplant. You didn’t design a bold sector bet; you just quietly accepted the market’s current obsessions.
Regions
- North America 81%
- Europe Developed 8%
- Japan 3%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
Geography-wise, this portfolio’s passport barely clears customs. About 81% in North America says “America first, everyone else if I remember.” Europe Developed, Japan, and other regions do show up but more like background NPCs than real characters. This is what happens when a huge US total market ETF dominates the lineup and international gets the side-quest allocation. To be fair, this is roughly how global market cap looks too — the US is huge — so it’s not wildly unreasonable. But if non-US markets ever lead for a cycle, this thing will feel a bit like cheering for the home team while half the game happens off-screen.
Market capitalization
- Mega-cap 38%
- Large-cap 35%
- Mid-cap 19%
- Small-cap 5%
- Micro-cap 2%
Market cap exposure leans big, shiny, and established: 38% mega-cap, 35% large-cap, then a taper down to mid (19%), small (5%), and micro (2%). In other words, you own the corporate celebrities plus a sparse supporting cast of smaller weirdos. That’s typical for broad index funds, but it does mean your returns mostly track whatever the megacaps are doing, especially the tech heavies already showing up in your look-through list. The tiny small/micro slice won’t move the meter much — it’s more “seasoning” than “strategy.” Takeaway: if you think you’re getting massive small-cap upside, you’re not; you’re basically riding the large-company train with a pocket-sized side hustle.
True holdings
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NV NVIDIA Corporation 4.31%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
AA Apple Inc 4.10%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
MS Microsoft Corporation 3.07%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
AM Amazon.com Inc 2.12%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.91%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
AV Broadcom Inc 1.59%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.51%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.48%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
TS Tesla Inc 1.20%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
BR Berkshire Hathaway Inc 0.93%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 22.21%
The look-through is basically a shrine to the Magnificent Seven. NVIDIA, Apple, Microsoft, Amazon, Alphabet (twice), Meta, Tesla, Broadcom, Berkshire — you’re not stock picking, but the indexes are doing it for you. NVIDIA at 4.31% and Apple at 4.10% across the ETFs means your fate is very tied to a handful of megacap darlings even if you never bought them directly. And remember, this is only based on top-10 holdings; real overlap is higher under the hood. Translation: you think you own “thousands of companies,” but the daily drama is mostly coming from a tiny group of tech-adjacent giants driving the bus.
Factors
Factor exposures are aggressively… average. Value, size, momentum, quality, yield, low volatility — all sitting in neutral territory. Factor exposure is like the ingredient label explaining *why* a portfolio behaves how it does; yours is basically “standard recipe, nothing exotic.” No strong tilt toward bargain stocks, high-quality companies, high yield, or low volatility. Also no wild bets on junky momentum rockets. That’s actually pretty sane: you’re hugging the global equity market’s overall profile and letting market cap do the talking. Takeaway: this portfolio will generally rise and fall with the broad equity tide, without any deliberate “smart beta” flavor — which is either refreshingly clean or painfully unambitious, depending on taste.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 67.65% 71.0% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 19.18% 17.2% -
Schwab U.S. Dividend Equity ETF
Weight: 9.82% 8.5% -
Vanguard Total World Stock Index Fund ETF Shares
Weight: 3.35% 3.3%
Risk contribution shows who’s actually shaking the portfolio, not just who looks big on paper. Your US total stock ETF is 67.65% of the weight but 71.02% of the total risk — it’s the main drama queen here. The top three holdings account for a ridiculous 96.69% of overall risk, meaning almost everything that matters in your performance lives in those three broad funds. The world ETF at 3.35% weight and 3.31% risk is basically a harmless echo. Takeaway: this is a “one-engine plane” setup — if the US market stalls, the rest of the holdings are not big enough to save the flight, they’re just handing out snacks.
Redundant positions
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High correlationVanguard Total World Stock Index Fund ETF SharesVanguard Total Stock Market Index Fund ETF Shares
Your correlation section politely exposes the obvious: the total world ETF and the US total market ETF move almost identically. Highly correlated assets are like buying two different brands of cereal that taste the same — you pay for variety but your breakfast doesn’t change. In a crash, they’ll both fall together; there’s no real diversification benefit from that pair. Given how small the world ETF position is, it’s not a big crime, more like a mildly pointless flourish. Takeaway: if two holdings behave like twins, they don’t really spread risk — they just add line items to your statement.
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 plot, your portfolio is actually behaving itself: Sharpe ratio of 0.56 versus an optimal 0.77 and a min-variance 0.68. Sharpe is basically “return per unit of stress,” and while yours isn’t elite, it’s also not embarrassing — especially since the curve says you’re on or very close to the efficient frontier. The nerd translation: given the stuff you hold, your weights are pretty sensible and not obviously dumb. You could squeeze better risk-adjusted returns with slightly different weights, but we’re talking tuning, not surgery. Takeaway: this isn’t some chaotic Frankenstein mix; it’s a structurally efficient all-equity bet that simply owns a lot of market risk on purpose.
Dividends
- Schwab U.S. Dividend Equity ETF 3.40%
- Vanguard Total World Stock Index Fund ETF Shares 1.70%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.67%
Yield comes in at 1.67% overall, which is basically “market-ish but not income-focused.” SCHD is trying to be the grown-up at 3.40%, and international kicks in 2.80%, but your giant US total market fund with its 1.10% yield drags the average back down. This is not an income machine; it’s a growthy portfolio that throws off a small side payment. If someone pretends this setup is all about dividends, they’re lying to themselves. Takeaway: expect most of the long-term return to come from price growth, not from fat quarterly checks. Dividends are a side quest, not the main storyline here.
Ongoing product costs
- Schwab U.S. Dividend Equity ETF 0.06%
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
Costs are almost suspiciously low. A blended TER around 0.04% is “did you bribe Vanguard?” territory. You’re paying essentially nothing for broad global exposure — this is as close to free as public markets get. Even the “expensive” holding clocks in at 0.07%. That’s cheaper than most people’s checking account fees and definitely cheaper than panic-trading single stocks on a whim. Takeaway: fees are not your villain; you actually nailed this part. You managed to assemble a globally tilted equity portfolio where cost drag is a rounding error. Don’t mess this up by later layering on pricey, shiny toys.
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