Income focused global equity mix with strong value tilt and broad regional diversification

Report created on May 3, 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 a 100% equity mix built entirely from ETFs, with a clear split between broad market and income-focused funds. Roughly 40% sits in total-market ETFs, 35% in high-dividend equity funds, and 25% in option-based high-income products. That means the structure balances plain vanilla index exposure with more engineered income strategies. This is relevant because different pieces will respond differently to markets: total-market ETFs move closely with stock indices, while high-dividend and option-writing funds can behave differently in rallies or selloffs. Overall, the structure leans toward generating cash flow while still staying widely invested across global stocks, which helps keep diversification reasonably strong despite the income focus.

Growth Info

Over the recent period, $1,000 grew to about $1,490, giving a compound annual growth rate (CAGR) of 19.58%. CAGR is just the “average speed” of growth per year, smoothing out the bumps. This slightly lagged both the US and global market benchmarks by less than 1% per year, while experiencing a smaller maximum drawdown than the US market and close to global levels. Max drawdown, the largest peak‑to‑trough fall, was about ‑14.7%, recovering in roughly three months. That’s a relatively quick recovery, showing the portfolio has bounced back well from shocks. As always, this is a short window in unusual markets, so it’s useful context but not a reliable guide to future behaviour.

Projection Info

The Monte Carlo projection uses historical returns and volatility to simulate many possible 15‑year paths for a $1,000 investment. Think of it as rolling the dice 1,000 times based on how the portfolio has behaved so far, then seeing the range of outcomes. The median path ends around $2,776, with half the simulations between roughly $1,841 and $4,376. The wide 5–95% range ($968 to $7,932) shows that long‑term results could vary a lot. The average simulated annual return of 8.3% is noticeably lower than recent realised returns, which is a reminder that strong recent performance may not persist in the same way over longer horizons.

Asset classes Info

  • Stocks
    100%

All of this portfolio is invested in stocks, with no bonds or cash-like holdings in the mix. That makes the asset allocation straightforward but also means there’s no built‑in buffer from traditionally steadier assets during equity downturns. In many broad benchmarks, stocks are paired with some fixed income to smooth volatility; here, the entire risk and return profile comes from global equities. The positive side is full participation when stock markets are strong. The trade‑off is that declines will also be fully equity‑driven, with no other asset class to offset them. As a result, diversification happens within equities rather than across different asset types.

Sectors Info

  • Technology
    23%
  • Financials
    17%
  • Health Care
    10%
  • Industrials
    9%
  • Consumer Staples
    9%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Energy
    8%
  • Basic Materials
    4%
  • Utilities
    3%
  • Real Estate
    1%

Sector exposure is reasonably spread out, with technology the largest slice at 23%, followed by financials at 17%, then health care, industrials, staples, and discretionary all in high single digits. This looks broadly similar to mainstream global equity benchmarks, though income‑oriented funds often tilt a bit more toward financials, staples, and utilities. That matters because sectors react differently to economic conditions: tech and consumer‑facing areas can be more sensitive to growth and interest rates, while staples and utilities often behave more defensively. Here, the mix avoids extreme concentration in any one area, which is helpful for diversification, while still allowing growth‑oriented sectors to play a meaningful role in returns.

Regions Info

  • North America
    64%
  • Europe Developed
    16%
  • Japan
    5%
  • Asia Developed
    5%
  • Asia Emerging
    5%
  • Australasia
    2%
  • Latin America
    2%
  • Africa/Middle East
    2%

Geographically, about 64% is in North America, with the rest spread across Europe, Japan, other developed Asia, emerging Asia, Australasia, Latin America, and Africa/Middle East. This is close to many global equity benchmarks, which are typically dominated by North America but still include significant international exposure. That broad spread reduces the risk of being tied entirely to one economy or currency. At the same time, North America remains the main driver, so US market moves will strongly influence portfolio behaviour. The presence of both developed and emerging regions also means exposure to different stages of economic development, adding another layer of diversification and potential return variation.

Market capitalization Info

  • Large-cap
    41%
  • Mega-cap
    38%
  • Mid-cap
    16%
  • Small-cap
    3%
  • Micro-cap
    1%

The portfolio leans heavily toward the largest companies, with around 79% in mega‑cap and large‑cap stocks. Mid‑caps add another 16%, while small‑ and micro‑caps together are only about 4%. This aligns fairly closely with typical global indices, which are also dominated by big companies. Large and mega caps tend to be more established businesses with deeper liquidity and generally more analyst coverage, which can mean somewhat lower company‑specific risk than tiny firms. The trade‑off is that the portfolio captures less of the very small‑cap segment, where returns can be more extreme in both directions. Overall, the size mix supports stability while still leaving room for some mid‑cap growth.

True holdings Info

  • NVIDIA Corporation
    3.02%
    Part of fund(s):
    • Goldman Sachs Nasdaq-100 Core Premium Income ETF
    • Goldman Sachs S&P 500 Core Premium Income ETF
    • NEOS Nasdaq 100 High Income ETF
    • SHP ETF Trust - NEOS S&P 500 High Income ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    2.56%
    Part of fund(s):
    • Goldman Sachs Nasdaq-100 Core Premium Income ETF
    • Goldman Sachs S&P 500 Core Premium Income ETF
    • NEOS Nasdaq 100 High Income ETF
    • SHP ETF Trust - NEOS S&P 500 High Income ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    1.95%
    Part of fund(s):
    • Goldman Sachs Nasdaq-100 Core Premium Income ETF
    • Goldman Sachs S&P 500 Core Premium Income ETF
    • NEOS Nasdaq 100 High Income ETF
    • SHP ETF Trust - NEOS S&P 500 High Income ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    1.58%
    Part of fund(s):
    • Goldman Sachs Nasdaq-100 Core Premium Income ETF
    • Goldman Sachs S&P 500 Core Premium Income ETF
    • NEOS Nasdaq 100 High Income ETF
    • SHP ETF Trust - NEOS S&P 500 High Income ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    1.27%
    Part of fund(s):
    • Goldman Sachs Nasdaq-100 Core Premium Income ETF
    • Goldman Sachs S&P 500 Core Premium Income ETF
    • NEOS Nasdaq 100 High Income ETF
    • SHP ETF Trust - NEOS S&P 500 High Income ETF
    • Vanguard Communication Services Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    1.15%
    Part of fund(s):
    • Goldman Sachs Nasdaq-100 Core Premium Income ETF
    • Goldman Sachs S&P 500 Core Premium Income ETF
    • NEOS Nasdaq 100 High Income ETF
    • SHP ETF Trust - NEOS S&P 500 High Income ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Texas Instruments Incorporated
    1.11%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • Alphabet Inc Class C
    1.03%
    Part of fund(s):
    • Goldman Sachs Nasdaq-100 Core Premium Income ETF
    • Goldman Sachs S&P 500 Core Premium Income ETF
    • NEOS Nasdaq 100 High Income ETF
    • SHP ETF Trust - NEOS S&P 500 High Income ETF
    • Vanguard Communication Services Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    1.00%
    Part of fund(s):
    • Goldman Sachs Nasdaq-100 Core Premium Income ETF
    • Goldman Sachs S&P 500 Core Premium Income ETF
    • NEOS Nasdaq 100 High Income ETF
    • SHP ETF Trust - NEOS S&P 500 High Income ETF
    • Vanguard Communication Services Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • UnitedHealth Group Incorporated
    0.99%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • Top 10 total 15.66%

Looking through ETF top holdings, a handful of large US names appear across multiple funds, with NVIDIA, Apple, Microsoft, Amazon, and Alphabet together accounting for a noticeable slice of the portfolio. This overlap reflects how many index and income‑enhanced funds use the same major benchmarks. It’s important because owning the same company through several ETFs can create hidden concentration: the portfolio may be more sensitive to a few mega‑caps than the number of funds suggests. At the same time, overlap can indicate alignment with popular indices, which often track the biggest global companies. Note that actual overlap is likely higher than shown, since only ETF top‑10 positions are included here.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 35%
Size
Exposure to smaller companies
Very low
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
No data
Data availability: 0%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
High
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 85%

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 shows a very high tilt toward value and high tilts toward yield and low volatility, with very low exposure to the size factor. Factors are characteristics like value or quality that research links to long‑term returns, similar to ingredients in a recipe. A strong value tilt means the portfolio leans toward cheaper stocks based on fundamentals. High yield and low‑volatility tilts fit the income‑oriented, defensive flavour: stocks that pay more dividends and have historically been less jumpy. The very low size exposure points to a preference for larger companies. Altogether, this suggests the portfolio may hold up relatively better in choppy markets but might lag in sudden, growth‑led rallies.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 20.00%
    23.0%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 20.00%
    20.9%
  • Schwab U.S. Dividend Equity ETF
    Weight: 20.00%
    15.6%
  • Vanguard International High Dividend Yield Index Fund ETF Shares
    Weight: 15.00%
    13.8%
  • Goldman Sachs Nasdaq-100 Core Premium Income ETF
    Weight: 5.00%
    6.0%
  • Top 5 risk contribution 79.3%

Risk contribution measures how much each holding drives overall ups and downs, which can differ from simple weights. Here, the two Vanguard total‑market ETFs each sit at 20% weight but each contribute just over 20% of the portfolio’s risk, slightly more than proportional. The Schwab US Dividend ETF, also 20% of the portfolio, contributes only about 15.6% of risk, reflecting its more defensive profile. Overall, the top three funds account for about 59% of total risk, so they’re the main engines behind volatility. This shows that while smaller high‑income funds are noticeable, broad index and core dividend ETFs are still the dominant drivers of how the portfolio behaves day to day.

Redundant positions Info

  • Goldman Sachs Nasdaq-100 Core Premium Income ETF
    Goldman Sachs S&P 500 Core Premium Income ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    NEOS Nasdaq 100 High Income ETF
    SHP ETF Trust - NEOS S&P 500 High Income ETF
    High correlation
  • Vanguard International High Dividend Yield Index Fund ETF Shares
    Vanguard Total International Stock Index Fund ETF Shares
    High correlation

Correlation looks at how investments move together, from +1 (almost identical) to –1 (moving in opposite directions). Several pairs here, especially between the Goldman Sachs, NEOS, SHP, and Vanguard US market ETFs, move almost identically. That’s not surprising given they’re all tied to major US indices, with the income funds layering options on top. High correlation means that when one of these positions rises or falls, the others tend to move in the same direction, limiting diversification among them. In contrast, the link between global ex‑US funds, like the two international Vanguard ETFs, offers a different return stream, which helps add some diversification against US‑centric moves.

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 slightly below the efficient frontier. The efficient frontier is the curve of best possible returns for each risk level using just these holdings in different weights. The current Sharpe ratio—a measure of return per unit of risk, after adjusting for a 4% risk‑free rate—is 1.11, compared with 1.56 for the optimal mix and 1.31 for the minimum‑variance mix. Being below the frontier means, in theory, a different combination of the same ETFs could improve risk‑adjusted returns. The gap isn’t enormous, but it signals there is room, mathematically, to rearrange weights while staying within the same fund lineup.

Dividends Info

  • Goldman Sachs Nasdaq-100 Core Premium Income ETF 9.00%
  • Goldman Sachs S&P 500 Core Premium Income ETF 7.40%
  • Amplify International Enhanced Dividend Income ETF 5.40%
  • NEOS Nasdaq 100 High Income ETF 13.90%
  • Schwab U.S. Dividend Equity ETF 3.30%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 11.90%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 3.50%
  • Weighted yield (per year) 4.34%

The portfolio’s estimated dividend yield is about 4.34%, noticeably higher than broad global stock indices, which often sit closer to 1.5–2%. Several option‑based high‑income ETFs have double‑digit yields, while the core broad‑market ETFs pay more modest amounts. Dividends matter because they provide a steady cash component of total return, which can be taken out as income or reinvested. High yields often come with trade‑offs: strategies using options or focusing on higher‑yielding stocks may give up some upside in strong bull markets or carry different risk patterns. Here, income is clearly a major design feature, layered on top of globally diversified equity exposure.

Ongoing product costs Info

  • Goldman Sachs Nasdaq-100 Core Premium Income ETF 0.29%
  • Goldman Sachs S&P 500 Core Premium Income ETF 0.29%
  • Amplify International Enhanced Dividend Income ETF 0.66%
  • NEOS Nasdaq 100 High Income ETF 0.68%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 0.68%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
  • Weighted costs total (per year) 0.19%

The weighted ongoing fee (TER) for this portfolio is about 0.19% per year, which is low given the mix of plain index and more complex income‑oriented funds. Simple index ETFs from Vanguard and Schwab anchor the cost structure at very low expense ratios, while the high‑income and enhanced‑dividend ETFs charge more but have smaller weights. Fees matter because they come off returns every year, compounding over time like negative interest. A total cost under 0.2% is impressively lean for a portfolio that includes specialised strategies, and this cost efficiency supports better long‑term outcomes compared with similar portfolios that rely more heavily on higher‑fee products.

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