Broad index-based portfolio with strong US tilt and efficient risk profile at very low cost
Report created on Apr 27, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 65.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30.00% -
QQ Invesco QQQ Trust
QQQ - US46090E1038 5.00%
This portfolio is a three-ETF, 100% stock mix anchored in broad index funds. About two-thirds sits in a total US market ETF, around one-third in a total international equity ETF, and a small slice in a large-cap growth ETF focused on big US tech-driven names. Structurally, it’s basically “global stocks with an extra tilt toward US growth.” This kind of setup is easy to understand because each fund tracks a very broad index rather than a narrow niche. The blend means the overall behaviour is driven mostly by global stock markets, with the US portion—especially the growth ETF—adding extra sensitivity to large US companies.
Growth
Over the last decade, $1,000 in this portfolio grew to about $3,621, a compound annual growth rate (CAGR) of 13.78%. CAGR is like average speed on a road trip, smoothing out bumps along the way. The portfolio slightly lagged the US market benchmark, which returned 15.05% annually, but beat the global market benchmark at 12.32% a year. The worst peak‑to‑trough drop was about -34% during early 2020, similar to both benchmarks. This shows the portfolio has behaved like a mainstream equity mix: strong long‑term growth, but with large, temporary drawdowns when markets fall.
Projection
The Monte Carlo projection uses past return and volatility patterns to simulate many possible 15‑year futures. Think of it as running 1,000 alternate histories to see a range of outcomes rather than one forecast. The median result turns $1,000 into about $2,810, with a “likely” middle band between roughly $1,846 and $4,141. The broad range—from about $1,015 to $7,549—highlights how uncertain markets can be. The average simulated annual return of 8.09% is lower than the backtested decade, reflecting that strong recent history may not repeat. These simulations are helpful for understanding risk ranges, but they are not predictions or guarantees.
Asset classes
- Stocks 100%
All of this portfolio is invested in stocks, with no bonds, cash-like instruments, or alternatives in the mix. Asset classes are the big building blocks—like stocks, bonds, and real estate—that tend to behave differently across market cycles. A 100% equity allocation usually means higher long‑term growth potential but larger swings along the way, especially in market downturns. Compared with typical “balanced” blends that include bonds, this structure is more growth‑oriented and more exposed to equity volatility. The reliance on a single asset class keeps things simple and transparent, but it also means any diversification benefits must come from within global stocks themselves, not from mixing in stabilizing assets.
Sectors
- Technology 28%
- Financials 15%
- Industrials 11%
- Consumer Discretionary 10%
- Health Care 9%
- Telecommunications 8%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 4%
- Utilities 3%
- Real Estate 2%
Sector-wise, the portfolio is led by technology at 28%, with meaningful slices in financials, industrials, consumer discretionary, and health care. This profile looks broadly similar to major global equity indices, but with a somewhat stronger tech influence, especially because of the dedicated growth ETF. Sector diversification matters because different economic environments favour different business types—financials may react to interest rates, while consumer sectors track spending trends. A tech‑tilted portfolio often does well when innovation and growth stories dominate but can see sharper moves when interest rates rise or when investors rotate toward more defensive, slower‑growth areas. Overall, the sector mix is modern and well spread across the economy.
Regions
- North America 72%
- Europe Developed 11%
- Japan 5%
- Asia Developed 4%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 72% is in North America, with most of that in the US, and the rest spread across Europe, Japan, developed Asia, emerging Asia, and smaller exposures elsewhere. Compared with a market‑cap‑weighted global index, this is a clear US tilt, since the US is typically closer to 60% of world equity value. Geographic diversification helps spread exposure across different economies, currencies, and political systems. This portfolio’s structure is well‑aligned with global standards but adds an extra lean into the US, which has been beneficial over the last decade. That tilt means outcomes are especially tied to how US companies and the US dollar perform going forward.
Market capitalization
- Mega-cap 42%
- Large-cap 31%
- Mid-cap 18%
- Small-cap 5%
- Micro-cap 2%
By market cap, the portfolio is anchored in mega‑ and large‑capitalization stocks, which together make up about 73%. Mid‑caps add notable breadth at 18%, while small‑ and micro‑caps contribute a modest 7% combined. Market capitalization reflects company size, and different sizes can behave differently—smaller firms may be more volatile but sometimes deliver stronger growth in certain cycles. The strong large‑cap presence keeps the portfolio’s behaviour relatively close to headline indices, since big companies dominate those benchmarks. At the same time, the inclusion of mid‑ and smaller caps adds some extra diversification within equities, bringing in businesses that can react differently to economic and interest rate shifts than the mega‑cap giants.
True holdings
-
NV NVIDIA Corporation 4.60%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 4.21%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.12%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.33%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.91%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.69%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.54%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.47%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.25%
Part of fund(s):- Invesco QQQ Trust
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.04%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 23.14%
Looking through to the top holdings across the ETFs, the largest underlying exposures are familiar mega‑cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Taiwan Semiconductor. Each of these shows up via multiple ETFs, so there is some stacking of exposure even though you only hold three funds. NVIDIA and Apple each represent more than 4% of total portfolio exposure, while several others sit in the 1–3% range. Because this view only covers ETF top‑10s, it understates overlap, but it still highlights a clear concentration in a handful of global tech‑related leaders. That’s typical for cap‑weighted index funds in today’s market.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility is broadly neutral, hovering around the 50% “market‑like” level for all six. Factors are like underlying personality traits of a portfolio—tilts toward cheap stocks (value), fast movers (momentum), or stable names (low volatility). Here, there are no strong tilts in either direction, so the portfolio behaves much like the broad market rather than pursuing a specialized factor strategy. This balanced factor profile means performance is likely driven more by overall equity markets and the US tilt than by targeted bets on styles. It’s a straightforward, index‑like factor footprint, which keeps behaviour more predictable across different regimes.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 65.00% 67.1% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 27.0% -
Invesco QQQ Trust
Weight: 5.00% 5.8%
Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ from its weight. The US total market ETF is 65% of the portfolio but contributes about 67% of the risk—pretty proportional. The international ETF is 30% of assets and about 27% of risk, slightly lower on a risk/weight basis. The growth ETF is only 5% by weight but accounts for nearly 6% of risk, reflecting its higher volatility. Overall, risk is not dominated by any single outlier beyond the natural impact of the large core holding. Position sizing here lines up sensibly with each fund’s contribution to total volatility.
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–return chart, the current portfolio sits on or very close to the efficient frontier, meaning it’s using its three holdings in an effective way for its risk level. The efficient frontier represents the best possible expected return for each level of volatility using only these ETFs in different mixes. The current Sharpe ratio—0.58—trails the max‑Sharpe mix at 0.93 but is competitive with the minimum‑variance option at 0.63. The key point is that, given these building blocks, the existing weights are already quite efficient. Any potential improvements from reweighting alone appear incremental rather than transformational.
Dividends
- Invesco QQQ Trust 0.40%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.58%
The overall dividend yield for the portfolio is about 1.58%, combining a modest payout from the US market ETF, a higher yield from international stocks, and a low yield from the growth‑focused ETF. Dividend yield is the annual cash payment as a percentage of price—useful as a small, steady component of total return. In this portfolio, income plays a secondary role; most return historically has come from price appreciation rather than dividends. That’s common for broad, growth‑tilted equity mixes. The international slice is doing more of the income heavy lifting, while the growth ETF sacrifices yield in favour of exposure to companies that tend to reinvest profits back into their businesses.
Ongoing product costs
- Invesco QQQ Trust 0.20%
- 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) 0.04%
Costs are a real strength here. The weighted total expense ratio (TER) is roughly 0.04% per year, driven by ultra‑low fees on the two core index ETFs and a modest fee on the growth ETF. TER is the annual percentage fee charged by the funds, quietly deducted inside the ETF. Keeping this number low helps more of the portfolio’s gross return stay in your pocket, especially over long horizons where costs compound. Compared with typical active funds or even some index products, this cost level is impressively low and aligns very well with best practices for broad market investing. The fee structure is a genuine competitive advantage of this portfolio.
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