Globally diversified stock portfolio with modest bonds and efficient risk balance over recent years

Report created on Jun 10, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is mostly global stocks with a small bond slice. About 55% sits in a total world equity ETF, 28% in a 2060 target-date mutual fund, 15% in a value-tilted equity ETF, and 2% in short-term inflation-protected bonds. That structure makes it heavily growth-focused but with a built‑in glide path and a little inflation hedge. The target-date fund itself is a diversified mix under the hood, so you effectively hold multiple diversified bundles stacked together. This setup helps spread risk across many companies and regions while still keeping the overall mix straightforward. It aligns well with a “balanced but growth‑leaning” profile, consistent with the risk score of 4/7 and the “Broadly Diversified” label.

Growth Info

One or more local-currency benchmark funds are unavailable for this report.

Over the period from mid‑2023 to early June 2026, a hypothetical $1,000 in this portfolio grew to about $1,682. That works out to a compound annual growth rate (CAGR) of 19.46%, which is slightly behind the global market benchmark at 21.10%. CAGR is like your average speed on a road trip, smoothing out bumps along the way. The portfolio’s worst drop from a prior peak (max drawdown) was -15.92%, very similar to the market’s -16.55%, and it recovered fairly quickly in a few months. This pattern shows performance that has broadly tracked global equities, with comparable downside and only mild underperformance in return terms over this stretch.

Projection Info

The Monte Carlo projection looks at many possible futures by “replaying” returns in thousands of random paths based on historical behavior. Here, 1,000 simulations of a $1,000 investment over 15 years produced a median outcome of about $2,787, with a broad but informative range around it. Monte Carlo is useful because it shows a spectrum of possibilities rather than a single forecast, highlighting that returns can vary a lot even with the same starting portfolio. In this case, about three‑quarters of simulations ended with a positive result, and the average annualized return across paths was 8.05%. Still, these are models based on the past, not promises about what will actually happen.

Asset classes Info

  • Stocks
    96%
  • Bonds
    4%

Asset‑class exposure is strongly tilted to stocks at 96%, with only 4% in bonds. Stocks tend to offer higher long‑term growth potential but more short‑term ups and downs, while bonds usually provide lower returns with smoother rides. This mix means portfolio behavior will mostly be driven by equity markets, not fixed income. The small bond slice acts more as a stabilizer and inflation hedge than a major risk anchor. Compared with many “balanced” mixes that hold much more in bonds, this setup sits closer to a growth allocation, which explains why the historical volatility and drawdowns look similar to a pure equity benchmark rather than a traditional 60/40 style blend.

Sectors Info

  • Technology
    25%
  • Financials
    16%
  • Industrials
    13%
  • Health Care
    8%
  • Telecommunications
    8%
  • Consumer Discretionary
    7%
  • Energy
    5%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Consumer Discretionary
    3%
  • Utilities
    2%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is spread across many areas, with technology the largest at 25%, followed by financials at 16% and industrials at 13%. Health care, telecom, consumer‑related areas, energy, materials, utilities, and real estate all have meaningful but smaller weights. This looks reasonably balanced compared with common global equity benchmarks, where tech often dominates even more. Having several sectors in mid‑single‑digit ranges helps reduce the impact if one industry hits a rough patch. At the same time, a sizeable technology allocation keeps the portfolio sensitive to innovation cycles and interest‑rate moves, since tech stocks often react more sharply to changes in growth expectations and financing costs than more defensive sectors.

Regions Info

  • North America
    65%
  • Europe Developed
    13%
  • Asia Developed
    6%
  • Japan
    5%
  • Asia Emerging
    5%
  • Latin America
    1%
  • Australasia
    1%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 65% of the portfolio sits in North America, with the rest spread across developed Europe, Japan, other developed Asia, and multiple emerging regions. This broadly mirrors global market weights, where North America is the largest share but not the whole story. Exposure to Europe and Asia adds economic and currency diversification, so returns are influenced by more than one region’s growth and policy decisions. Smaller slices in Latin America, Africa/Middle East, and Australasia broaden the footprint further. This alignment with global benchmarks is a strong sign of diversification: the portfolio isn’t overly concentrated in a single country, even though it naturally tilts toward the large US market.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    28%
  • Mid-cap
    19%
  • Small-cap
    7%
  • Micro-cap
    2%

This breakdown covers the equity portion of your portfolio only.

By market cap, the portfolio leans toward larger companies: 37% in mega‑caps, 28% in large‑caps, with 19% mid‑caps, 7% small‑caps, and 2% micro‑caps. Bigger companies often provide more stability and liquidity, while smaller ones can be more volatile but sometimes grow faster. This spread looks fairly close to a typical global index, which is dominated by mega‑ and large‑cap firms but still includes meaningful smaller‑company exposure. The presence of mid‑ and small‑caps means the portfolio can capture part of the “size” effect without making it a central bet. Overall, the mix supports diversification across business stages, from global giants to smaller, more niche players.

True holdings Info

  • NVIDIA Corporation
    2.28%
    Part of fund(s):
    • Vanguard Total World Stock Index Fund ETF Shares
  • Apple Inc
    2.08%
    Part of fund(s):
    • American Century ETF Trust - Avantis U.S. Large Cap Value ETF
    • Avantis ALL Equity Markets Value ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Microsoft Corporation
    1.48%
    Part of fund(s):
    • Vanguard Total World Stock Index Fund ETF Shares
  • Amazon.com Inc
    1.40%
    Part of fund(s):
    • American Century ETF Trust - Avantis U.S. Large Cap Value ETF
    • Avantis ALL Equity Markets Value ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Alphabet Inc Class A
    1.11%
    Part of fund(s):
    • Vanguard Total World Stock Index Fund ETF Shares
  • Broadcom Inc
    0.94%
    Part of fund(s):
    • Vanguard Total World Stock Index Fund ETF Shares
  • Alphabet Inc Class C
    0.87%
    Part of fund(s):
    • Vanguard Total World Stock Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.83%
    Part of fund(s):
    • Vanguard Total World Stock Index Fund ETF Shares
  • Meta Platforms Inc.
    0.80%
    Part of fund(s):
    • American Century ETF Trust - Avantis U.S. Large Cap Value ETF
    • Avantis ALL Equity Markets Value ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Tesla Inc
    0.53%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Total World Stock Index Fund ETF Shares
  • Top 10 total 12.32%

This breakdown covers the equity portion of your portfolio only.

Looking through the funds to their top holdings, the biggest individual exposures include NVIDIA, Apple, Microsoft, Amazon, and both share classes of Alphabet, along with Broadcom, Taiwan Semiconductor, Meta, and Tesla. None of these are held directly; they appear through multiple funds. That overlap is normal for global equity products, which often track similar large‑cap universes. It does mean the portfolio has concentrated exposure to a handful of mega‑cap growth and tech‑related names, even though each fund is diversified. Because the analysis only covers ETF top‑10 lists, actual overlap is likely higher, but even this partial view shows that a relatively small group of firms influences a meaningful slice of performance.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 98%
Size
Exposure to smaller companies
Neutral
Data availability: 98%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 98%
Quality
Preference for financially healthy companies
Neutral
Data availability: 98%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
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 exposure is broadly balanced, with value, size, momentum, quality, and yield all hovering near “neutral” relative to the global market. Factor exposure describes how much a portfolio leans into traits like cheapness (value) or recent winners (momentum) that research has tied to long‑term returns. Here, the notable tilt is toward low volatility at 66%, meaning the holdings, on average, have tended to move less dramatically than the broader market. A mild low‑volatility tilt can sometimes reduce drawdowns in rough markets, though it may lag in sharp risk‑on rallies. Overall, the factor profile suggests behavior similar to a diversified market portfolio, with a slight bias toward steadier names.

Risk contribution Info

  • Vanguard Total World Stock Index Fund ETF Shares
    Weight: 55.00%
    57.6%
  • AMERICAN FUNDS 2060 TARGET DATE RETIREMENT FUND CLASS A
    Weight: 28.00%
    26.9%
  • Avantis ALL Equity Markets Value ETF
    Weight: 15.00%
    15.5%
  • Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares
    Weight: 2.00%
    0.0%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. The total world equity ETF, at 55% weight, contributes about 57.6% of total risk, almost one‑for‑one. The 2060 target‑date fund and the value ETF each contribute risk roughly in line with their sizes as well. The short‑term inflation‑protected bond ETF, though, is only 2% of the portfolio and adds effectively no risk, at 0.03%. Altogether, the top three holdings account for virtually all portfolio volatility. This is logically consistent with their equity focus and shows that, in practice, your experience will be driven almost entirely by how global stocks behave.

Redundant positions Info

  • AMERICAN FUNDS 2060 TARGET DATE RETIREMENT FUND CLASS A
    Vanguard Total World Stock Index Fund ETF Shares
    High correlation

Correlation measures how assets move relative to each other, on a scale from -1 (perfect opposite) to 1 (perfect lockstep). In this portfolio, the global stock ETF and the 2060 target‑date fund are highly correlated and move almost identically. That makes sense because both are equity‑heavy, globally diversified vehicles. High correlation limits how much these two positions can offset one another during market stress; they’re more like variations on the same theme than completely different engines. The small inflation‑protected bond holding likely has much lower correlation with stocks, but given its tiny weight, it doesn’t change overall behavior much. Diversification here mostly comes from owning many companies, not from radically different asset types.

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 risk vs. return chart compares this portfolio to the “efficient frontier,” which shows the best possible return for each risk level using the same holdings in different mixes. The current allocation has a Sharpe ratio of 1.08, while the maximum‑Sharpe and minimum‑variance portfolios have higher Sharpe ratios but much lower volatility and returns. Sharpe ratio is a way of judging return per unit of risk, after accounting for the risk‑free rate. Importantly, the portfolio sits on or very near the efficient frontier, meaning that for its chosen risk level, the mix of holdings is already quite efficient. The data suggests that its risk/return balance is well‑tuned given the building blocks.

Dividends Info

  • AMERICAN FUNDS 2060 TARGET DATE RETIREMENT FUND CLASS A 4.90%
  • Avantis ALL Equity Markets Value ETF 1.90%
  • Vanguard Total World Stock Index Fund ETF Shares 1.60%
  • Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares 3.60%
  • Weighted yield (per year) 2.61%

The overall dividend yield of the portfolio is about 2.61%, blending higher payouts from the 2060 target‑date fund (4.90%) and the TIPS ETF (3.60%) with more modest yields from the global equity and value ETFs. Dividend yield is the cash income you receive each year as a percentage of your investment, separate from price changes. In a stock‑heavy portfolio like this, dividends can be a meaningful but not dominant part of total return, which also depends heavily on capital gains. This yield level suggests a reasonable income stream without steering the whole portfolio toward high‑yield strategies, helping maintain diversification across different types of companies rather than concentrating purely on income payers.

Ongoing product costs Info

  • AMERICAN FUNDS 2060 TARGET DATE RETIREMENT FUND CLASS A 0.72%
  • Avantis ALL Equity Markets Value ETF 0.26%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares 0.04%
  • Weighted costs total (per year) 0.28%

The weighted total expense ratio (TER) for the portfolio is 0.28% per year. TER is the annual fee charged by funds, taken out of returns behind the scenes. The large global ETF and the inflation‑protected bond ETF are very low‑cost at 0.07% and 0.04%, while the Avantis value ETF is moderately priced at 0.26%. The main cost driver is the 2060 target‑date fund at 0.72%. Overall, 0.28% is reasonably low for an actively mixed line‑up and supports better long‑term compounding than a higher‑fee structure would. Over many years, keeping costs in this range helps more of the portfolio’s gross return stay in the account rather than being lost to fund expenses.

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