Broad stock market portfolio with a strong US tilt and efficient risk and return balance
Report created on Jun 6, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 60.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 20.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00%
The portfolio is made up of three broad stock ETFs, with no bonds or cash. Around 60% sits in a total US stock market fund, 20% in a NASDAQ 100 ETF that targets large growth names, and 20% in an international stock fund covering markets outside the US. So the structure is simple but fully equity-focused. This matters because 100% stock exposure typically means more upside potential and more pronounced swings than a mix including bonds. The core-plus-growth setup, anchored by a big total-market holding, helps keep things diversified while adding a growth tilt through the NASDAQ slice.
Growth
From late 2020 to May 2026, a $1,000 investment in this portfolio grew to about $2,249. That works out to a compound annual growth rate (CAGR) of 15.55%, which is slightly behind the US market benchmark at 16.29% but ahead of the global market at 14.10%. CAGR is like your average speed on a road trip, smoothing out bumps. The worst drop, or max drawdown, was about -27.7%, deeper than the US market’s -24.5% but similar to global equities. This shows the portfolio has captured strong equity growth, with drawdowns in the normal range for an all‑stock mix.
Projection
The Monte Carlo projection uses 1,000 simulations based on historical patterns to imagine many possible 15‑year paths for $1,000. Think of it as running the future over and over with different random dice rolls. The median outcome ends near $2,755, with a wide “likely” band from roughly $1,790 to $4,168, and a very broad possible range from about $956 to $7,581. The average annual return across simulations is 8.02%. These numbers are not promises; they simply frame what could happen if markets behave roughly like the past, reminding you that long‑term stock investing can lead to very different endpoints.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with 0% in bonds, cash, or alternatives. Asset classes are broad buckets like stocks, bonds, and real estate that respond differently to economic changes. A 100% stock allocation usually brings higher expected growth but also larger and more frequent ups and downs, especially around recessions or big policy shifts. Compared with a typical “balanced” blend that mixes stocks and bonds, this portfolio leans strongly toward growth and equity risk. The upside is full participation in equity markets; the trade‑off is that there is no built‑in buffer from more defensive asset classes during market stress.
Sectors
- Technology 36%
- Financials 12%
- Consumer Discretionary 10%
- Telecommunications 10%
- Industrials 10%
- Health Care 8%
- Consumer Staples 5%
- Energy 3%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector-wise, the portfolio is led by technology at 36%, followed by financials, consumer discretionary, telecom, and industrials each around 8–12%, with smaller slices in health care, staples, energy, materials, utilities, and real estate. This tech‑heavy footprint is common when there is meaningful NASDAQ 100 exposure layered on top of a broad US market fund. Sector allocation matters because different parts of the economy react differently to interest rates, inflation, and growth surprises. Tech‑leaning portfolios can shine in growth‑driven markets but may experience sharper swings when interest rates rise or sentiment turns against high‑growth companies.
Regions
- North America 81%
- Europe Developed 8%
- Asia Developed 3%
- Japan 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 81% of the portfolio is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and small portions in emerging regions. Global benchmarks usually give the US around 60% weight, so this mix has an above‑average US tilt. Geography matters because different regions face distinct economic cycles, currencies, and policy regimes. A strong North American focus has been rewarding in recent years, as US equities outperformed many other markets. The flip side is that returns are tightly linked to the US economy and dollar, with less exposure to potential catch‑up growth elsewhere.
Market capitalization
- Mega-cap 45%
- Large-cap 31%
- Mid-cap 17%
- Small-cap 5%
- Micro-cap 1%
By company size, the portfolio is dominated by mega‑cap and large‑cap stocks, together making up about 76%. Mid‑caps are meaningful at 17%, while small and micro caps are a modest 6% combined. Market capitalization affects risk and behavior: large companies tend to be more stable and widely followed, while smaller firms can be more volatile but sometimes grow faster. This large‑cap bias is typical of market‑cap‑weighted funds and reduces the impact of sharp moves in tiny, less liquid companies. At the same time, the presence of mid and smaller caps still adds some exposure to the broader economic growth engine.
True holdings
-
NV NVIDIA Corporation 5.70%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 4.86%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.70%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 3.10%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.63%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.40%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 2.16%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.59%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.16%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 1.02%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 28.30%
Looking through the ETFs’ top holdings, the biggest underlying positions are familiar large tech and growth names like NVIDIA, Apple, Microsoft, Amazon, and Alphabet classes A and C. Together, the top ten underlying exposures make up a noticeable slice of the total portfolio, with NVIDIA alone around 5.7%. Several of these companies appear in more than one ETF, which creates hidden overlap: you own the same stock through multiple funds. That can concentrate risk in a handful of names even when the portfolio looks diversified by fund count. Note that actual overlap is likely higher, since only top‑10 positions are included.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility sits very close to neutral for all six. In factor language, “neutral” means the portfolio behaves much like the broad market on these characteristics, rather than leaning strongly into any specific style. Factors are like the underlying ingredients of returns, such as cheap vs expensive stocks (value) or stable vs volatile names (low volatility). A balanced profile suggests performance will largely follow the overall market’s ups and downs, rather than being driven by a big tilt toward, say, high yield or deep value. This is a straightforward, market‑like factor setup.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 60.00% 59.4% -
Invesco NASDAQ 100 ETF
Weight: 20.00% 24.6% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 16.0%
Risk contribution shows how much each fund drives the portfolio’s overall ups and downs, which can differ from its weight. Here, the US total market ETF is 60% of the portfolio and contributes about 59% of the risk, very much in line. The NASDAQ 100 ETF is 20% by weight but contributes roughly 24.6% of risk, meaning it punches somewhat above its size because of higher volatility. The international fund is 20% weight and about 16% of risk, so it’s a bit calmer relative to its share. Overall, risk is sensibly distributed, with only a modest concentration in the growth‑heavy NASDAQ slice.
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 vs return chart, this portfolio sits on or very close to the efficient frontier. The efficient frontier is the curve showing the best expected return for each level of risk using only the current holdings in different mixes. The current Sharpe ratio of 0.7 compares reasonably with 0.86 for the “optimal” mix and 0.81 for the minimum‑variance blend, suggesting risk‑adjusted returns are already solid given the chosen funds. The key point is that, for this particular trio of ETFs, the existing allocation is broadly efficient; there is no obvious sign of wasted risk relative to what these same holdings could achieve.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- 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) 0.06%
The overall cost of the portfolio, measured by the total expense ratio (TER), is about 0.06% per year. That’s impressively low for a globally diversified, multi‑fund setup. TER is the annual fee charged by the funds, similar to a small percentage toll taken each year from your investment. Lower ongoing costs leave more of the portfolio’s gross return in your pocket, and the benefit compounds over time. Here, the largest holding uses a very low‑cost total market ETF, and even the NASDAQ 100 slice is moderately priced. From a cost perspective, this structure is highly efficient and supportive of long‑term performance.
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