Single fund us stock market tracker with broad company coverage and very low ongoing cost
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 100.00%
This portfolio is as simple and focused as it gets: one low-cost ETF that owns the full US stock market. Every dollar is in stocks, and every stock exposure flows through that single fund. Structurally, this is easy to manage and understand, with no moving parts, tactical tilts, or active bets. The trade-off is low diversification across asset types and countries, even though there is strong diversification across individual companies. For someone comfortable with stock market swings and wanting a “set it and forget it” approach, this kind of one-fund setup can be a clean core holding and a clear baseline to build around if desired later.
Growth
Historically, $1,000 invested grew to about $3,720 over the last decade, a compound annual growth rate (CAGR) of 14.09%. CAGR is like your average yearly speed on a long road trip, smoothing out bumps along the way. This slightly trailed the broad US market but clearly beat the global market benchmark, which is consistent with US stocks’ strong run. The portfolio saw a max drawdown of about -35% during the 2020 crash, meaning a sharp but relatively quick drop and recovery. That level of volatility is normal for an all‑stock approach. It shows strong growth potential, but only for someone who can sit through big swings without bailing out.
Projection
The Monte Carlo projection simulates thousands of possible 15‑year paths using patterns from historical returns and volatility. Think of it as running “what if?” futures based on past behavior, not as a crystal ball. The median outcome grows $1,000 to about $2,821, with a wide but reasonable range between roughly $1,908 and $4,172 in the middle half of scenarios. There’s about a 77% chance of ending with a positive result, and the average simulated return is 8.38% a year. As always, past data can’t guarantee future outcomes, especially since markets change, but this gives a good feel for the kind of long‑term ride an all‑stock US exposure might deliver.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with no bonds, cash, or alternative assets. That’s why the risk label is in the “growth” zone and the diversification score is low: you’re fully exposed to equity market ups and downs. Stocks historically offer higher long‑term returns than bonds or cash, but they can also fall faster and more deeply in rough markets. In a multi‑asset context, many investors mix in steadier assets to smooth the ride and reduce the size of major drawdowns. Here the trade-off is simple: maximum equity growth potential, but also maximum equity volatility, so this construction best fits someone with a long time horizon and a strong stomach for swings.
Sectors
- Technology 31%
- Financials 12%
- Health Care 10%
- Industrials 10%
- Consumer Discretionary 10%
- Telecommunications 10%
- Consumer Staples 5%
- Energy 4%
- Real Estate 3%
- Utilities 2%
- Basic Materials 2%
Sector-wise, the portfolio is fairly balanced for a broad US market fund, but it does lean heavily on technology and related areas, with tech roughly a third of the exposure. Financials, health care, industrials, and consumer sectors are well represented, while areas like energy, utilities, and materials are smaller, reflecting their weight in the US market. This alignment with common benchmarks is actually a positive sign: it means you’re not making big sector bets beyond simply owning the US economy as it stands. The flip side is that if tech and communication-related businesses struggle, the portfolio could feel those moves quite strongly given their size in the index.
Regions
- North America 99%
Geographically, almost everything is in North America, essentially the US. That’s typical for a US total market ETF, but it’s a major tilt compared with global indices where the US is closer to 60% of world equity value. This home-country focus has worked very well over the last decade as US stocks outperformed many regions. However, it also means your fortunes are tied strongly to one economy, one currency, and one policy environment. A broader mix of regions can help when leadership rotates internationally. For now, this setup is a clear, deliberate bet on the US stock market remaining a key growth engine, with little offset if other regions do better.
Market capitalization
- Mega-cap 41%
- Large-cap 31%
- Mid-cap 19%
- Small-cap 6%
- Micro-cap 2%
The portfolio covers the full spectrum of company sizes: heavy in mega- and large-caps but with meaningful mid- and small-cap exposure too. Around 72% is in the biggest companies, with the remainder spread down to micro-caps. This mirrors the underlying index’s market-cap weighting, where giants dominate by sheer size. The benefit is strong stability and liquidity from established firms, paired with some growth potential from smaller businesses that can move more sharply. The trade-off is that big names drive most of the returns and risk, while small-cap exposure is more of a secondary flavor than a major driver. For a single-fund solution, this is a well-rounded spread by size.
True holdings
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NV NVIDIA Corporation 6.18%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
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AA Apple Inc 5.89%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
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MS Microsoft Corporation 4.41%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
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AM Amazon.com Inc 3.05%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
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GO Alphabet Inc Class A 2.74%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
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AV Broadcom Inc 2.28%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
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GO Alphabet Inc Class C 2.16%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
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ME Meta Platforms Inc. 2.13%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
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TS Tesla Inc 1.72%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
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BR Berkshire Hathaway Inc 1.37%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 31.93%
Looking through the ETF’s top holdings, the biggest weights are familiar mega-cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Berkshire Hathaway. Together, those top ten only represent about a third of the ETF, which reflects how broadly diversified the underlying index is. There’s no hidden overlap issue here because everything is inside a single fund; instead, the main story is that the portfolio naturally leans on large, influential US companies driving index returns. This means headline news about these giants will noticeably sway your portfolio’s value, even though thousands of smaller companies are also quietly contributing in the background.
Factors
Factor exposure here is very close to market‑neutral across the board: value, size, momentum, quality, yield, and low volatility all sit around 50%, which is considered average. Factors are like investing “flavors” — for example, value stocks are cheaper, momentum stocks have been rising, low‑volatility stocks are steadier. A neutral profile means you’re not leaning hard into any particular style; you’re just owning the broad market blend. That’s a positive for simplicity and reduces the chance of unpleasant surprises from a concentrated style bet suddenly going out of favor. In different market environments, you’ll generally behave like the overall US stock market rather than a niche factor strategy.
Risk contribution
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Vanguard Total Stock Market Index Fund ETF Shares
Weight: 100.00% 100.0%
With only one holding, risk contribution is simple: the ETF accounts for 100% of the portfolio’s volatility, exactly matching its 100% weight. Risk contribution measures how much each piece drives the total ups and downs, and in more complex portfolios, it can reveal single positions that dominate risk even with smaller weights. Here, the only real “concentration” question is not within the ETF — which is broadly diversified — but the fact that the entire portfolio depends on one fund and one market. It’s a very clean structure, but if you ever wanted to dial risk up or down, you’d need to change weight to this fund or add others around it.
Dividends
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Weighted yield (per year) 1.10%
The dividend yield of about 1.10% is modest, which is typical for a broad US stock market fund these days. Dividends are cash payments from companies to shareholders and form an important part of total return over long periods, especially when reinvested. Here, most of the long‑term growth is likely to come from price appreciation rather than income. That can be perfect for a growth‑oriented investor not relying on the portfolio for immediate cash flow. For someone who eventually wants income, a setup like this can serve as an accumulation engine now, with the option to shift toward higher‑yielding assets or partial withdrawals later in life as needs change.
Ongoing product costs
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.03%
Costs are a real highlight: the ETF’s total expense ratio (TER) is just 0.03% per year. TER is the annual fee the fund charges, like a tiny haircut on your balance. At this level, it’s almost negligible and well below the average for many investment products. Low costs matter because they compound just like returns — the less you pay out each year, the more stays invested and working for you over decades. This cost efficiency is strongly aligned with best practices in long‑term investing and is a major strength of the current setup. It provides a very solid foundation for building wealth without unnecessary fee drag.
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