Globally diversified stock portfolio with balanced styles and efficient risk adjusted growth profile
Report created on Apr 15, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 40.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 15.00%
The portfolio is a simple four‑fund, 100% stock mix: a broad US fund at 40%, broad international at 30%, plus 15% each in US small-cap value and US large-cap growth. So most of the money sits in total-market building blocks, with two “tilt” funds adding extra exposure at the style extremes. This kind of structure matters because the core holdings set the baseline behavior, while the satellites tweak risk and return. The big takeaway is that this is a straightforward growth-oriented equity portfolio with only one risk lever to pull: how much stock exposure you’re comfortable riding through full market cycles. Any future changes will mainly be about fine‑tuning risk, not fixing complexity.
Growth
From late 2019 to April 2026, $1,000 grew to about $2,381, a compound annual growth rate (CAGR) of 14.24%. CAGR is like average speed on a long road trip: it smooths the ups and downs into one yearly number. The portfolio slightly lagged the US market (by 0.98% per year) but beat the global market by 1.32% annually, which is a solid result for a globally diversified mix. The worst peak‑to‑trough drop was about -35.75% during early 2020, recovering in roughly five months. That’s a real‑world reminder that high growth comes with sharp swings, and staying invested through those shocks has historically been rewarded, though future markets can behave differently.
Projection
The Monte Carlo simulation projects many possible 15‑year paths using historical data and volatility to stress‑test the future. Think of it as running 1,000 alternate market histories to see a range of outcomes, not a single forecast. The median scenario grows $1,000 to around $2,738, with a wide “likely” band from about $1,769 to $4,250. There’s roughly a 72% chance of finishing positive, and the average annualized return across simulations is 8.2%. Importantly, these numbers rely on past patterns continuing at least somewhat into the future, which isn’t guaranteed. The practical takeaway: long‑term expectations should include both attractive growth potential and the real possibility of disappointing decades.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with 0% in bonds, cash, or other asset classes. That’s totally aligned with a growth‑oriented mindset but means there’s no built‑in shock absorber when markets fall. Stocks historically deliver higher returns than bonds over long periods, yet they also deliver steeper short‑term drawdowns. Many broad benchmarks for balanced investors mix in meaningful bond exposure, so this setup is more aggressive than what’s “standard” for moderate profiles. The main implication is that risk management will have to come from time horizon, savings rate, and behavior during downturns, rather than from fixed income or cash allocations inside the portfolio itself.
Sectors
- Technology 25%
- Financials 17%
- Industrials 12%
- Consumer Discretionary 11%
- Health Care 8%
- Telecommunications 8%
- Energy 6%
- Consumer Staples 5%
- Basic Materials 4%
- Real Estate 2%
- Utilities 2%
Sector exposure is fairly broad, with technology leading at 25%, followed by financials, industrials, consumer discretionary, and healthcare. This lines up reasonably well with global equity benchmarks and signals healthy diversification across different parts of the economy. Tech is sizeable but not extreme, especially considering how tech-heavy modern indices have become. A more balanced sector mix helps avoid over‑reliance on any single theme, like growth or commodities. The main thing to remember is that tech‑driven markets can be more sensitive to interest rates and innovation cycles, so there may be periods where leadership rotates and other sectors carry more of the performance load.
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 the rest spread across developed Europe, Japan, other Asia, and emerging markets in Asia, Latin America, and Africa/Middle East. This is quite close to the global market’s natural US tilt, so it’s not unusually home‑biased. That’s positive: the portfolio captures both the depth of US markets and diversification from overseas economies and currencies. Exposure outside North America is meaningful enough to matter, but not dominant. The trade‑off is that returns will likely be driven more by US conditions than the rest of the world. For many investors, that mix of familiarity and diversification is a solid middle ground.
Market capitalization
- Mega-cap 40%
- Large-cap 25%
- Mid-cap 15%
- Small-cap 12%
- Micro-cap 8%
Market‑cap exposure is well spread: roughly 40% in mega‑caps, 25% in large‑caps, then a meaningful slice in mid, small, and even micro‑caps. This is broader than many basic index mixes that lean almost entirely on large companies. Smaller firms tend to be more volatile but can offer higher long‑term growth, while mega‑caps often provide stability and liquidity. Having the full spectrum means the portfolio can benefit from different parts of the market cycle: big names holding up better in stress, and smaller names contributing more in strong expansions. That balance between giants and up‑and‑comers is a real diversification strength here.
True holdings
-
NV NVIDIA Corporation 4.24%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 3.87%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.86%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.12%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.83%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.58%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.45%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.41%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.19%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.03%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 21.56%
Looking through the ETFs, the top exposures are familiar mega‑caps like Nvidia, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and TSMC. Several of these names appear through multiple funds, creating “hidden” concentration even though you only own four tickers. For example, a tech correction hitting these giants would likely ripple across most of the portfolio at once. Coverage of look‑through holdings is limited to ETF top‑10 lists, so overlap is probably understated. The key insight is that index investing doesn’t fully shield you from name-specific risk at the very top; performance is still partly driven by a relatively small group of global leaders.
Factors
Factor exposures are broadly neutral across value, size, momentum, quality, yield, and low volatility, all sitting near the 50% “market average” mark. Factors are like personality traits of stocks — for example, value means cheaper companies, momentum means recent winners, and quality means stronger balance sheets. A neutral profile suggests the portfolio behaves a lot like the overall market rather than making big bets on any one trait. That’s actually a nice alignment with standard best practices for long‑term investors who don’t want to time styles. The practical implication: expect performance to be driven more by overall market direction than by specific factor cycles.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 40.00% 39.7% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 25.6% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 18.2% -
Schwab U.S. Large-Cap Growth ETF
Weight: 15.00% 16.5%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. The US total market ETF is 40% of the portfolio and contributes about 39.7% of risk, very aligned. The international fund’s share of risk is a bit lower than its weight, suggesting it slightly dampens volatility. The small‑cap value and large‑cap growth funds both contribute a bit more risk than their 15% weights, which is normal for more volatile styles. Overall, risk is spread reasonably, with no single ETF dominating beyond its share. That indicates a thoughtful structure where each piece pulls its fair portion of the risk rope.
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 near the efficient frontier, which is the curve showing the best possible return for each risk level using these four holdings. The Sharpe ratio of 0.57 is slightly below the max‑Sharpe mix (0.78) but similar to the minimum‑variance option (0.61), suggesting a reasonable trade‑off between risk and reward. Being close to the frontier means the mix of funds is already using them efficiently; there isn’t an obvious improvement from just shuffling weights. That’s a reassuring sign that the structure is sound, and any future tweaks would be more about personal preferences than fixing big inefficiencies.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Schwab U.S. Large-Cap Growth ETF 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) 1.54%
The overall dividend yield sits around 1.54%, with higher income coming from international stocks and lower yields from US growth names. Dividends are the cash payouts companies send to shareholders, which can be an important piece of total return over decades, especially when reinvested. Here, the yield level fits a growth‑tilted portfolio: more focus on companies reinvesting profits for expansion rather than paying them out. It won’t be especially attractive to someone needing immediate cash flow, but it’s perfectly fine for compounding. Over time, a growing dividend stream can also act as a quiet stabilizer, even if market prices swing around it.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- 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) 0.07%
Total ongoing costs are impressively low, with a blended TER around 0.07%. TER (Total Expense Ratio) is the annual fee taken by the fund manager, similar to a small service charge baked into performance. Keeping costs down is one of the few levers investors can fully control, and tiny differences compound meaningfully over decades. Here, fees are well below what many active or even some passive products charge for similar exposures. That alignment with low‑cost best practices is a real strength: more of the portfolio’s gross return stays in your pocket rather than going to fund providers, improving long‑term outcomes without extra risk.
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