Broad low cost growth portfolio anchored in US stocks with modest global diversification
Report created on Apr 13, 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
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 40.00% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 40.00% -
QQ Invesco QQQ Trust
QQQ - US46090E1038 10.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10.00%
The portfolio is a simple four‑ETF mix holding only stocks, with 80% in broad US funds, 10% in a US growth fund, and 10% in international equities. This structure leans heavily on the US market while still adding a small slice of overseas exposure. A 100% stock allocation fits a growth mindset because it focuses on long‑term appreciation rather than stability. The big positive is how clean and easy this setup is to manage. The tradeoff is more volatility day to day. Anyone using something like this usually pairs it with a long time horizon and enough cash elsewhere to ride out big market dips.
Growth
Historically, $1,000 grew to about $3,873 over the past decade, a compound annual growth rate (CAGR) of 14.56%. CAGR is the “average speed” of growth per year, smoothing out the bumps. This slightly beat the US market and clearly outpaced the global market, showing that the US tilt has been a tailwind. The max drawdown of about -34% during early 2020 shows this portfolio can drop fast in a crisis but also recovered in roughly four months, which is quite resilient. Just 34 days made up 90% of returns, highlighting how missing a few strong days can dramatically change outcomes. Remember, these numbers are backward‑looking, not a promise.
Projection
The Monte Carlo projection runs 1,000 simulations using patterns from past returns to estimate a range of 15‑year outcomes. Think of it as replaying history with small random twists to see many possible futures, not just one forecast. The median path turns $1,000 into around $2,826, with a broad “likely” range from roughly $1,844 to $4,363. There’s about a 75% chance of ending positive, with an average simulated annual return of 8.36%. These numbers are useful for planning but still just models: markets can behave very differently from history, especially around interest rates, inflation, or policy shocks. Projections are better for understanding risk and range than for setting precise expectations.
Asset classes
- Stocks 100%
All of the portfolio sits in stocks, with no bonds, cash‑like assets, or alternatives. That’s a clear growth posture: maximum exposure to equity upside but also full participation in stock market downturns. In many broad benchmarks, you’d often see at least some allocation to less volatile assets, especially for shorter horizons or more conservative investors. Going 100% equity is perfectly reasonable for someone with a long runway and strong stomach for swings. It just means that risk management has to come from outside this portfolio—like maintaining emergency cash or separate low‑risk holdings—rather than expecting the mix here to dampen volatility.
Sectors
- Technology 32%
- Financials 12%
- Telecommunications 10%
- Consumer Discretionary 10%
- Industrials 10%
- Health Care 9%
- Consumer Staples 6%
- Energy 3%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector-wise, the portfolio leans heavily into technology at 32%, with balanced slices in financials, telecom, consumer discretionary, industrials, and healthcare, and smaller weights in staples, energy, materials, utilities, and real estate. This pattern is broadly similar to major US equity benchmarks, which is a positive sign for diversification: the structure mirrors the broader market rather than making big bets on niche areas. The relatively high tech and communication exposure helps growth potential but can raise sensitivity to interest rate moves and changes in market sentiment toward high‑growth businesses. Overall, though, the sector mix is well-balanced and aligns closely with global standards.
Regions
- North America 90%
- Europe Developed 4%
- Japan 2%
- Asia Emerging 1%
- Asia Developed 1%
Geographically, about 90% is tied to North America, with only modest allocations to Europe, Japan, and parts of Asia. That’s a clear US‑centric stance, broadly similar to many US investors but more concentrated than truly global benchmarks, where the US is closer to 60%. The upside is aligning with the market that’s led performance for the past decade. The risk is that economic or policy issues specific to the US could hit most of the portfolio at once. The small international sleeve helps, but it won’t fully cushion a major US downturn. A setup like this works well if someone believes in long‑term US strength and accepts the geographic concentration.
Market capitalization
- Mega-cap 44%
- Large-cap 33%
- Mid-cap 18%
- Small-cap 3%
- Micro-cap 1%
Market‑cap exposure is dominated by mega‑ and large‑cap stocks, which together make up over three‑quarters of the portfolio, with smaller slices in mid, small, and micro caps. This is very much in line with mainstream market‑cap‑weighted indices. Bigger companies tend to be more stable and liquid, so this tilt can reduce the extremes compared to a small‑cap‑heavy portfolio. It may, however, miss some of the higher long‑term return potential that small caps can offer, at the cost of additional volatility. Overall, the market‑cap mix is sensible and benchmark‑like, which is helpful if the goal is to track broad equity markets rather than make aggressive style bets.
True holdings
-
NV NVIDIA Corporation 6.27%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 5.75%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 4.28%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 3.09%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.69%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.27%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 2.18%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 2.17%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.79%
Part of fund(s):- Invesco QQQ Trust
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
BR Berkshire Hathaway Inc 1.18%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 31.67%
Looking through the ETFs, a lot of exposure clusters in the same mega‑cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, and Berkshire. These companies appear across multiple funds and together already make up a sizable slice of your effective exposure, even though there’s no single‑stock position. That kind of overlap creates “hidden concentration”: it feels diversified by fund count, but the underlying drivers are similar. Because only top‑10 ETF holdings are captured, actual overlap is probably higher. The upside is alignment with the main engines of recent market growth; the downside is that bad news in a handful of giants can move the whole portfolio more than the ticker list suggests.
Factors
Factor exposure is essentially neutral across the board—value, size, momentum, quality, yield, and low volatility all sit around mid‑range levels. Factors are like the underlying “traits” of stocks that research has linked to returns, such as being cheap (value) or stable (low volatility). A neutral profile means this portfolio behaves a lot like the overall market rather than leaning hard into any particular trait. That’s a strength if the aim is to capture general equity returns without trying to outsmart the market through factor timing. It also means the portfolio avoids unintended style bets that can underperform for long stretches when a specific factor falls out of favor.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 40.00% 40.4% -
Vanguard S&P 500 ETF
Weight: 40.00% 39.7% -
Invesco QQQ Trust
Weight: 10.00% 11.6% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 10.00% 8.3%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from its weight. Here, the two big Vanguard US funds each weigh 40% and each contribute about 40% of the risk—very proportional. QQQ, at 10% weight, contributes around 11.6% of the risk, slightly more than its size because it holds more volatile growth names. The international fund, also 10% weight, contributes only about 8.3% of risk, offering a bit of diversification. The top three holdings together drive over 90% of total risk, which is expected with such a concentrated ETF lineup. If someone wanted to dial risk up or down, changing these three weights is the main lever.
Redundant positions
-
High correlationVanguard S&P 500 ETFVanguard Total Stock Market Index Fund ETF Shares
The two core US funds—Vanguard S&P 500 and Vanguard Total Stock Market—are almost perfectly correlated, meaning they move very similarly day to day. Correlation measures how often assets move together; when it’s high, the diversification benefit between them is limited. In practice, owning both funds is more like slightly tweaking the mix of large versus smaller US companies rather than adding a genuinely different return stream. This isn’t a problem, but it’s worth understanding: the feel of diversification (two tickers) is stronger than the actual diversification (one big US equity block). The real diversifier here is the international fund, not the split between the two main US ETFs.
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 essentially on the efficient frontier, meaning it’s using its existing ingredients in a very effective way. The Sharpe ratio—a measure of return per unit of risk—is 0.61 for the current mix, with the minimum‑risk combo at 0.65 and the max‑Sharpe combo higher at 0.87 but with more volatility. In plain terms, you’re already getting a solid balance of risk and reward from these holdings without obvious inefficiencies. Tweaking weights could squeeze out a bit more risk‑adjusted return or slightly lower volatility, but there’s no glaring mismatch. That’s a strong sign the allocation is well‑constructed for its chosen risk level.
Dividends
- Invesco QQQ Trust 0.50%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.21%
The portfolio’s total dividend yield is about 1.21%, with the international fund paying the highest yield and QQQ the lowest. Dividend yield is the annual cash payout as a percentage of the investment—useful for income but less crucial in a growth‑focused stock mix where total return (price + dividends) matters more. This yield level is in line with a modern, US‑tilted growth portfolio dominated by large tech and quality companies that reinvest earnings rather than paying big dividends. For someone who prioritizes income, this setup would feel light; for someone reinvesting over decades, modest yields paired with strong growth potential can still be very attractive.
Ongoing product costs
- Invesco QQQ Trust 0.20%
- Vanguard S&P 500 ETF 0.03%
- 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) 0.05%
Total costs are impressively low, with a blended expense ratio around 0.05%. The expense ratio is the annual fee charged by the funds, taken out of returns in the background. Keeping this number small is one of the most reliable ways to improve long‑term outcomes, because the savings compound year after year. Your lineup of broad, low‑cost index ETFs is right in line with best practices for cost control. Even the relatively pricier QQQ sits at a still‑reasonable 0.20% given its specific growth focus. Overall, the cost structure is a real strength and provides a solid foundation for long‑term compounding.
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