Globally diversified all stock portfolio with moderate tech tilt and historically strong but bumpy growth

Report created on May 11, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is a six‑ETF, 100% stock mix built mostly from broad index funds. About half sits in a total US market ETF, a quarter in total international stocks, and the rest in more focused pieces: a NASDAQ 100 tilt, small‑cap value funds in both US and international markets, and a dedicated emerging markets ETF. Structurally, this is a classic “core and satellites” setup: broad, low‑cost core holdings, plus smaller tilts around the edges. That matters because the core tends to drive most of the long‑term behavior, while the satellites nudge returns and risk up or down. The result is a reasonably simple portfolio that still contains thousands of underlying companies across the globe.

Growth Info

From late 2020 to early May 2026, $1,000 in this portfolio grew to $2,171, a compound annual growth rate (CAGR) of 14.99%. CAGR is like the constant yearly speed your money would have needed to travel to get from $1,000 to $2,171 over the period. That slightly trailed the US market benchmark but beat the global benchmark, meaning it kept up well in a strong US‑led environment while also holding non‑US exposure. The worst peak‑to‑trough drop was about ‑26%, recovering in roughly two years. That drawdown is typical for an all‑equity, balanced‑risk portfolio and shows that strong long‑term growth came with meaningful but not extreme volatility.

Projection Info

The Monte Carlo projection looks at how this portfolio might behave over 15 years by simulating many alternate futures using historical return and volatility patterns as inputs. Monte Carlo is basically a “what if machine”: it shakes the historical data thousands of ways to see a range of plausible outcomes. Here, the median path turns $1,000 into about $2,835 with an average simulated annual return of 8.22%. The middle half of scenarios ends between roughly $1,836 and $4,303, while more extreme but still plausible paths range from about $1,012 to $7,833. These numbers are not promises—just a statistical map built from the past, which real markets can and do deviate from.

Asset classes Info

  • Stocks
    100%

All of this portfolio is in stocks, with no bonds, cash, or alternative assets. That’s why the risk classification lands around the middle‑high range: equity markets can move sharply in both directions, especially over short stretches. Being 100% stocks maximizes exposure to potential long‑term growth, since you fully participate in corporate earnings and innovation worldwide. The trade‑off is that there is no built‑in “shock absorber” like high‑quality bonds, which usually soften big equity swings. Compared with common balanced portfolios that mix stocks and bonds, this setup will generally show larger ups and downs, but a higher expected return over long horizons, assuming global equity markets continue to reward risk over time.

Sectors Info

  • Technology
    27%
  • Financials
    15%
  • Industrials
    11%
  • Consumer Discretionary
    11%
  • Telecommunications
    8%
  • Health Care
    8%
  • Energy
    5%
  • Consumer Staples
    5%
  • Basic Materials
    5%
  • Utilities
    2%
  • Real Estate
    2%

Sector-wise, the portfolio is diversified but leans toward technology at 27%, with sizable allocations to financials, industrials, and consumer sectors. This profile is broadly similar to many global equity benchmarks today, where tech and communication‑style businesses dominate the top weights. A higher technology share often means more sensitivity to interest rates, innovation cycles, and market sentiment around growth companies. On the flip side, having noticeable chunks in financials, industrials, energy, and consumer staples adds ballast from more traditional parts of the economy. Overall, the sector breakdown is well‑balanced and aligns closely with global standards, providing broad exposure without being overly dependent on any single industry.

Regions Info

  • North America
    67%
  • Europe Developed
    11%
  • Asia Emerging
    6%
  • Japan
    5%
  • Asia Developed
    5%
  • Africa/Middle East
    2%
  • Australasia
    2%
  • Latin America
    1%

Geographically, about two‑thirds of the portfolio is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and multiple emerging regions. That North American weighting is higher than the strict global market share but still within a fairly typical range for US‑based global portfolios. This gives strong participation in the largest and most liquid market while still capturing diversification benefits from other economies and currencies. The international slice, including emerging markets, introduces exposure to different growth drivers, political systems, and monetary policies. That can help when leadership rotates away from the US, but it also brings potential currency and country‑specific risks that tend to move differently than the US market.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    28%
  • Mid-cap
    19%
  • Small-cap
    9%
  • Micro-cap
    4%

By market cap, the portfolio tilts toward large and mega‑cap companies, which together account for roughly two‑thirds of the exposure, while mid, small, and micro‑caps make up the rest. Mega‑caps are global household names, often more stable and heavily researched, so they usually dominate index‑style portfolios. The deliberate allocations to US and international small‑cap value funds add more presence in smaller companies than a pure cap‑weighted index would. That matters because smaller firms often behave differently across cycles—they can be more volatile but sometimes deliver stronger growth or value recoveries. This mix creates a blend of “blue‑chip” stability and more agile smaller businesses, offering an additional layer of diversification across company size.

True holdings Info

  • NVIDIA Corporation
    4.07%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    3.67%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    2.71%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    2.09%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    1.72%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.50%
    Part of fund(s):
    • Vanguard FTSE Emerging Markets Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
  • Broadcom Inc
    1.50%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    1.42%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    1.18%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    1.00%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 20.85%

Looking through to the largest underlying holdings, a meaningful portion of the covered slice is concentrated in a handful of big tech and growth names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Tesla, and Meta. These appear across multiple ETFs, especially the US total market and NASDAQ 100 fund, so their combined weights are higher than they look in any single ETF. This is a good example of “hidden concentration”: owning several diversified funds can still lead to large overlapping positions in the same giants. It’s worth noting that this overlap estimate is conservative, since it only uses ETF top‑10 holdings—actual overlap is likely higher deeper down the portfolios.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 100%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Neutral
Data availability: 100%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure across value, size, momentum, quality, yield, and low volatility is almost perfectly market‑like, sitting in the neutral 40–60% band for all six. Factors are basically investing “ingredients” that describe why groups of stocks behave the way they do—cheap vs expensive (value), big vs small (size), steady vs jumpy (low volatility), and so on. Here, no single factor stands out as a strong tilt, which means the portfolio behaves similarly to a broad global market index from a factor perspective. The small‑cap value slices and NASDAQ 100 tilt largely offset each other, leaving an overall structure that doesn’t lean heavily into any specialized factor strategy.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 50.00%
    51.2%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 25.00%
    22.1%
  • Invesco NASDAQ 100 ETF
    Weight: 10.00%
    12.3%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 5.00%
    5.7%
  • Avantis® International Small Cap Value ETF
    Weight: 5.00%
    4.5%
  • Top 5 risk contribution 95.8%

Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from its weight. The US total market ETF is 50% of assets but about 51% of risk, so it influences behavior almost exactly in line with its size. The international total market fund is 25% of weight but contributes slightly less risk, reflecting some diversification. The NASDAQ 100 ETF stands out: at 10% weight it contributes over 12% of risk, showing that this slice is a bit punchier than its size suggests. Overall, the top three holdings account for around 86% of total risk, underlining that the broad core funds are the main drivers.

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‑return chart compares the current mix with what’s possible using only these same holdings in different proportions. The “efficient frontier” is the curve of best achievable returns for each risk level, and the Sharpe ratio measures risk‑adjusted return—how much extra return you get per unit of volatility above a risk‑free rate. Here, the current portfolio Sharpe of 0.69 sits below both the minimum‑variance and max‑Sharpe mixes, and it’s about 3 percentage points under the frontier at its risk level. That means the same ETFs, just combined differently, could historically have delivered either less risk for similar return or higher return for similar risk, while the existing allocation is still reasonably close to efficient.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.80%
  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Invesco NASDAQ 100 ETF 0.40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.00%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.40%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.54%

The overall dividend yield is about 1.54%, coming from a mix of lower‑yielding US growth exposure and higher‑yielding international and emerging market holdings. Yield is the annual cash income as a percentage of the portfolio’s value, like an interest rate paid in dividends instead. The international total market and international small‑cap value ETF have the highest payout rates, while the NASDAQ 100 slice pays very little but targets growth. In practice, this means most of the portfolio’s historical and expected return has come from price appreciation, not cash income. For a growth‑oriented equity mix, that’s very much in line with global benchmarks and typical of today’s market environment.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.08%

Costs are a clear strength here. The weighted total expense ratio (TER) is just 0.08%, thanks to heavy use of very low‑fee broad index funds. TER is the annual percentage fee charged by each ETF, quietly deducted inside the fund. On $10,000, a 0.08% TER is $8 per year—small enough that it barely dents long‑term compounding. The slightly higher‑cost Avantis funds raise the average only modestly, and they remain competitive for active, factor‑style strategies. This cost profile is impressively low and very supportive of long‑term performance, because every dollar not paid in fees stays invested and can itself generate returns over time.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey