Tech tilted US balanced portfolio with strong historic growth and modest diversification outside North America
Report created on May 13, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 60.00% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 20.00% -
BN Vanguard Total Bond Market Index Fund ETF Shares
BND - US9219378356 10.00% -
IA iShares Gold Trust
IAU - US4642852044 10.00%
This portfolio is built around a core US stock holding, supported by a dedicated tech slice, plus bonds and gold. Roughly 60% sits in a broad US stock market ETF, 20% in an information technology ETF, 10% in a total bond market ETF, and 10% in gold. So about four-fifths of the portfolio is in stocks, with the rest split between bonds and a commodity. Structurally, this is an equity‑heavy mix with a clear tilt toward technology and the US, while still including some stabilizing assets. That combination explains why the risk score is in the middle range and the diversification score lands as “moderately diversified” rather than highly spread out.
Growth
From 2016 to 2026, a $1,000 hypothetical investment in this mix grew to about $4,775. That translates to a 17% compound annual growth rate (CAGR), which is like averaging 17% a year over the whole period, even though real returns bounced around. This comfortably beat both the US market benchmark at 15.4% and the global market at 12.78%. The portfolio also experienced a maximum drawdown of about –30% during early 2020, slightly milder than the benchmarks’ roughly –34% drops. This profile shows strong upside participation with somewhat softer downside in that crisis, though past performance does not guarantee similar results in future downturns.
Projection
The Monte Carlo projection uses 1,000 simulated futures based on historic behavior to map out possible 15‑year outcomes. Think of it as running the same movie many times with different random market paths. The median result turns $1,000 into about $2,510, implying an annualized return around 7.09% across all simulations. The “likely range” spans roughly $1,797–$3,564, while the more extreme 5th–95th percentile band runs from about $1,015 to $6,227. Around 73.5% of simulations end above the starting $1,000. These numbers are not predictions, just a way to visualize uncertainty; real‑world returns can be outside these ranges if markets behave very differently from the past.
Asset classes
- Stocks 80%
- Other 10%
- Bonds 10%
Across asset classes, about 80% is in stocks, 10% in bonds, and 10% in “other,” which in this case is gold. This is clearly equity‑centric, with only a modest buffer from fixed income and a diversifier from the commodity sleeve. Compared with a classic 60/40 stock‑bond mix, this structure leans more toward growth potential and equity risk, with less emphasis on bond‑driven stability. The presence of gold introduces a different behavior pattern that often does not track stocks or bonds closely, which can help smooth portfolio swings in certain environments. Overall, the asset‑class mix aligns with a balanced‑but‑growth‑leaning profile.
Sectors
- Technology 39%
- Financials 8%
- Health Care 6%
- Industrials 6%
- Consumer Discretionary 6%
- Telecommunications 6%
- Consumer Staples 3%
- Energy 3%
- Utilities 2%
- Real Estate 1%
- Basic Materials 1%
This breakdown covers the equity portion of your portfolio only.
Sector‑wise, technology stands out at 39% of equity exposure, well above what broad market benchmarks typically carry. Other sectors like financials, health care, industrials, consumer‑related groups, telecommunications, energy, utilities, real estate, and basic materials are each in the single digits, giving some breadth but with no other dominant sector. Tech‑heavy portfolios can benefit when innovation, digital adoption, and growth themes are rewarded by markets, but they may feel sharper bumps when interest rates rise or when investors rotate into more defensive or value‑oriented areas. The rest of the sector mix being relatively spread out helps avoid having all non‑tech exposure concentrated in any single industry.
Regions
- North America 79%
This breakdown covers the equity portion of your portfolio only.
Geographically, about 79% of the portfolio’s equity exposure is in North America, which is a noticeable home bias relative to global equity benchmarks that usually allocate a smaller share to this region. This concentration means portfolio results are strongly linked to the economic, policy, and currency environment of a single region. That can work very well when that region outperforms the rest of the world, as it largely did over the last decade, but it also means less participation if other regions lead. The moderate diversification score reflects that there is some spread via global companies but limited direct exposure to multiple regions.
Market capitalization
- Mega-cap 34%
- Large-cap 24%
- Mid-cap 14%
- No data 10%
- Small-cap 5%
- Micro-cap 2%
This breakdown covers the equity portion of your portfolio only.
By market capitalization, the portfolio skews toward larger companies: about 34% in mega‑caps and 24% in large‑caps, with mid‑caps at 14%, small‑caps at 5%, and micro‑caps at 2%. A sizable “no data” slice relates to non‑equity holdings like bonds and gold. This large‑cap orientation is fairly typical for broad index‑based portfolios and tends to mean more exposure to established businesses with deep resources and global footprints. Smaller companies often bring higher volatility and potentially different growth patterns, but they are a smaller part of this mix. Overall, the size distribution is relatively similar to market‑cap‑weighted benchmarks rather than being tilted aggressively toward small or micro‑caps.
True holdings
-
NV NVIDIA Corporation 7.55%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 6.72%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 4.66%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.27%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.92%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.60%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.27%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.19%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.00%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
BR Berkshire Hathaway Inc 0.82%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 28.99%
This breakdown covers the equity portion of your portfolio only.
Looking through the ETFs’ top holdings, a handful of large US companies appear prominently across funds. NVIDIA, Apple, and Microsoft together account for roughly 19% of the portfolio when aggregating their presence in overlapping ETFs. Other well‑known names like Broadcom, Amazon, Alphabet, Meta, Tesla, and Berkshire Hathaway also show up. Because these exposures come via multiple funds, the apparent diversification across ETFs still results in meaningful concentration in a small set of mega‑cap names. Overlap is likely understated since only top‑10 positions are counted, so true concentration in these leaders may be a bit higher than the reported figures suggest.
Factors
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 here is very balanced. All six measured factors — value, size, momentum, quality, yield, and low volatility — sit in the “neutral” band around 40–60%, close to the 50% market average. Factors are like the underlying “ingredients” that influence how investments behave, for example favoring cheap stocks (value) or steady ones (low volatility). A neutral profile means the portfolio is not strongly tilted toward or away from any one characteristic. This can be helpful because performance is not overly dependent on a single style staying in favor, and results tend to resemble broad market behavior rather than swinging with specific factor cycles.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 60.00% 67.9% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 20.00% 29.5% -
iShares Gold Trust
Weight: 10.00% 2.0% -
Vanguard Total Bond Market Index Fund ETF Shares
Weight: 10.00% 0.7%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. The total stock market ETF is 60% of the portfolio but contributes about 68% of the risk, so it is slightly more influential than its size alone would suggest. The tech ETF is 20% by weight but nearly 30% of risk, reflecting its higher volatility. In contrast, gold and bonds together are 20% of the portfolio but add less than 3% of total risk, acting as stabilizers. The top three holdings account for over 99% of total risk, so the portfolio’s behavior is dominated by its two equity funds.
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 shows the current portfolio sitting below the efficient frontier. The efficient frontier represents the best achievable return for each risk level using only the existing holdings but with different weightings. Here, the current mix has a Sharpe ratio of 0.76, while the optimal combination of the same funds reaches a Sharpe of 1.24 with slightly lower risk and higher expected return. That gap means there is theoretical room to improve risk‑adjusted returns just by reweighting what is already held, without adding new assets. The minimum‑variance mix, by contrast, shows how low the risk could go if return were a secondary priority.
Dividends
- Vanguard Total Bond Market Index Fund ETF Shares 4.00%
- Vanguard Information Technology Index Fund ETF Shares 0.30%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Weighted yield (per year) 1.06%
The overall dividend yield of the portfolio sits around 1.06%, combining income from stocks and bonds. The total bond market ETF contributes the highest yield at about 4%, while the broad stock ETF yields roughly 1% and the tech ETF only about 0.3%, which is common for growth‑oriented companies that reinvest profits. Gold does not pay any income. In practice, this means most of the portfolio’s expected return historically comes from price changes rather than cash payouts. For investors who like a clear line of sight into income streams, it is useful to see that bonds are the main engine of yield in this setup.
Ongoing product costs
- Vanguard Total Bond Market Index Fund ETF Shares 0.03%
- iShares Gold Trust 0.25%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.07%
The portfolio’s total expense ratio (TER) is an impressively low 0.07%. TER is the annual fee charged by funds to cover management and operating costs; it is taken out inside the fund, so it quietly reduces returns over time. Here, the largest holdings are ultra‑low‑cost at 0.03%, the tech ETF charges 0.10%, and the gold ETF 0.25%. In combination, that is well below typical active fund fees and even below many index‑fund blends. Low ongoing costs support better long‑term performance because less return is given up to fees each year, and that difference compounds meaningfully over decades.
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