Portfolio X-ray
Globally diversified stock portfolio tilted toward growth with strong technology presence and modest income
Report created on Oct 1, 2026Risk profile
5/7
Diversification profile
3/5
The starting point
Positions
-
VT Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 80.00% -
VU Vanguard Growth Index Fund ETF Shares
VUG - US9229087369 20.00%
This portfolio is built from just two ETFs, with 80% in a total-world stock fund and 20% in a US growth fund. That means every dollar is in stocks, but most of the risk and diversification comes from the broad global fund. Structurally, this is simple and easy to understand: one ETF gives global exposure, the other leans toward faster-growing companies. A concentrated lineup like this reduces complexity and makes it straightforward to see what’s driving results. The mix creates a core “own the world” base with an extra growth tilt layered on top, which explains many of the later observations on sectors, geography, market cap, and performance patterns.
Backtest and Monte Carlo forecast
How this exact mix would have done against benchmarks, and the range of outcomes ahead.
Analyze my own portfolio — freeAsset classes
- Stocks 100%
All of the portfolio sits in stocks, with no bonds, cash, or alternatives in the mix. That means the ups and downs are tied entirely to equity markets, which historically have offered higher long-term growth but also sharper swings. There’s no built-in stabilizer here from less volatile asset classes, so the portfolio will generally move in the same direction as global stocks. On the flip side, being 100% in equities keeps the structure clean and avoids mixing very different risk types. The diversification, therefore, comes from owning many companies and regions rather than from spreading across bond or cash holdings.
Sectors
- Technology 36%
- Financials 14%
- Industrials 10%
- Consumer Discretionary 9%
- Telecommunications 9%
- Health Care 8%
- Consumer Staples 4%
- Basic Materials 3%
- Energy 3%
- Real Estate 2%
- Utilities 2%
Sector-wise, technology stands out at about 36%, clearly above what many broad global indices typically show. Financials, industrials, consumer areas, and telecom together form a sizeable secondary layer, while real estate and utilities stay small. A strong tech presence usually means more sensitivity to growth expectations and interest rate changes, since high-growth companies’ future earnings matter a lot for valuations. The rest of the sectors are reasonably spread out, which helps offset some of the concentration in a single area. Overall, this mix reflects the current global equity landscape but leans a bit harder into growth-oriented, tech-heavy businesses.
Regions
- North America 72%
- Europe Developed 11%
- Asia Developed 5%
- Japan 5%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, around 72% of the portfolio is in North America, with most of that effectively tied to the US. Europe developed markets sit near 11%, and Japan plus other developed and emerging Asian regions make up most of the remainder. This is more US-tilted than a purely population-based world split, but it’s actually quite close to market-cap-weighted global indices, which are also dominated by US companies. That alignment with global benchmarks is a strength: it means the portfolio naturally tracks how the world’s listed companies are valued today, while still including meaningful exposure to Europe, Asia, and smaller regions.
Market capitalization
- Mega-cap 48%
- Large-cap 29%
- Mid-cap 17%
- Small-cap 4%
- Micro-cap 1%
By market cap, about 48% is in mega-cap companies, 29% in large caps, and the rest spread across mid, small, and micro caps. Mega- and large-cap firms tend to be more established, widely followed, and often more stable than very small companies, so this distribution anchors the portfolio in the biggest names. Still, having roughly 22% in mid, small, and micro caps leaves room for more idiosyncratic growth and slightly different behavior than a pure mega-cap index. This market-cap profile is broadly in line with global equity benchmarks, which is another area where the portfolio lines up well with common standards.
True holdings
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NV NVIDIA Corporation 6.18%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
AA Apple Inc. 5.57%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
MS Microsoft Corporation 4.55%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
AM Amazon.com Inc 2.64%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.41%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
AV Broadcom Inc 1.98%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.89%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.52%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.23%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
MU Micron Technology Inc 0.73%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
- Top 10 total 28.70%
Looking through to the top holdings, the biggest individual exposures are well-known large technology and internet-related companies such as NVIDIA, Apple, Microsoft, and Amazon. Several appear through both the world ETF and the US growth ETF, creating overlap that lifts their combined weights: for example, NVIDIA alone totals over 6%, and Apple over 5.5%. Because only ETF top-10 lists are used, the actual overlap may be somewhat higher than shown. This hidden concentration means day-to-day movements in a handful of mega-cap growth names can have an outsized impact on the overall portfolio’s ups and downs.
Factors
Factor exposure scores show the portfolio is essentially neutral across value, size, momentum, quality, yield, and low volatility. “Factor exposure” just means how much the holdings lean into characteristics that research has linked to returns, like cheapness (value) or recent winners (momentum). With all readings clustered around 50%, this portfolio behaves a lot like the broad market’s mix of styles, rather than making strong bets on any single factor. That neutrality keeps performance closely tied to overall equity markets instead of hinging on specific style cycles, which can go in and out of favor over time.
Risk contribution
-
Vanguard Total World Stock Index Fund ETF Shares
Weight: 80.00% 76.8% -
Vanguard Growth Index Fund ETF Shares
Weight: 20.00% 23.2%
Risk contribution breaks down how much each holding adds to the portfolio’s overall volatility. Here, the total-world ETF is 80% of the weight and contributes about 76.8% of the risk, very close to its size. The growth ETF, at 20% weight, contributes around 23.2% of the risk, slightly more than its share. That tells you the growth slice is a bit more volatile than the core holding, which fits its focus on higher-growth companies. Still, the overall risk pattern is fairly proportional to the weights, so there’s no single small position unexpectedly dominating the portfolio’s total risk.
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.
The efficient frontier analysis suggests this portfolio sits on or very close to the frontier, meaning it’s using its two holdings in a way that’s already efficient for its risk level. The Sharpe ratio, which measures return per unit of risk relative to a risk-free rate, is 0.58 for the current mix. The optimal and minimum-variance mixes using just these two funds show somewhat higher Sharpe ratios, but the differences are modest. This indicates that, within the chosen building blocks, the existing allocation balances risk and return well, and there’s no obvious inefficiency in how the two ETFs are combined.
Dividends
- Vanguard Total World Stock Index Fund ETF Shares 1.50%
- Vanguard Growth Index Fund ETF Shares 0.40%
- Weighted yield (per year) 1.28%
The overall dividend yield is about 1.28%, with the global ETF yielding around 1.5% and the growth ETF a lower 0.4%. Dividend yield is simply the yearly cash payouts as a percentage of the current price. A yield in this range reflects a portfolio tilted a bit toward companies that reinvest more of their earnings instead of paying them out. For a 100% equity, growth-leaning structure, that’s quite typical. In practice, total return will still be driven much more by price changes and earnings growth than by income, so dividends play a secondary but steady role in overall performance.
Ongoing product costs
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- Vanguard Growth Index Fund ETF Shares 0.04%
- Weighted costs total (per year) 0.06%
The weighted total expense ratio (TER) is about 0.06% per year, with the two Vanguard ETFs charging 0.07% and 0.04% respectively. TER is the ongoing annual fee taken inside the fund to cover management and operations, not something billed separately. Costs at this level are impressively low and significantly below many actively managed alternatives, which often charge many times more. Over long periods, even a small fee difference can compound into noticeable amounts, so this cost structure is a strong positive. It means more of the portfolio’s gross returns are kept rather than paid away in fees each year.
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