Broadly diversified global stock mix with efficient risk level and impressively low ongoing costs
Report created on Mar 27, 2026Risk profile
- Secure Speculative
The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.
Diversification profile
- Focused Diversified
The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.
Positions
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VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 70.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30.00%
The portfolio is a simple two-fund setup with 70% in a total US stock ETF and 30% in a total international stock ETF. That means every dollar is in equities, spread across thousands of companies worldwide, with a clear tilt toward the US. This kind of structure is easy to understand and maintain, which reduces behavioral mistakes like frequent tinkering. A 100% stock allocation is growth-focused and will swing in value, but the global mix softens the blow compared with going all-in on a single market. For someone seeking long-term growth and simplicity, this is a clean, well-structured core approach.
Growth
From 2016 to 2026, $1,000 grew to about $3,192, giving a 12.34% compound annual growth rate (CAGR). CAGR is like average speed on a road trip, smoothing out all the ups and downs. The max drawdown of -34.58% shows the worst peak‑to‑trough fall, reminding you that even diversified stock portfolios can drop sharply. You lagged the US market but slightly beat the global market, which is exactly what you’d expect from a blend of both. This outcome is solid and shows the strategy has kept up well, but it also underlines that past returns aren’t a promise for the next decade.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with no bonds, cash, or alternatives. That means full exposure to equity growth but also full exposure to equity volatility. Compared with a classic balanced mix (which usually includes bonds), this setup will likely experience deeper drawdowns during bear markets, but also higher long‑term return potential. For someone comfortable with seeing substantial temporary declines, this can be entirely appropriate. If stability or shorter‑term spending needs were priorities, mixing in other asset classes could smooth the ride. As it stands, the all‑equity structure is clean, aggressive, and firmly focused on long‑run wealth building.
Sectors
- Technology 27%
- Financials 15%
- Industrials 12%
- Consumer Discretionary 10%
- Health Care 10%
- Telecommunications 8%
- Consumer Staples 5%
- Basic Materials 4%
- Energy 4%
- Utilities 3%
- Real Estate 3%
Sector exposure is broad, with the largest share in technology, followed by financials, industrials, and consumer areas. The relatively high tech and communication exposure reflects how global stock markets look today rather than a special bet you’re making. Tech‑heavy allocations can do very well in growth and innovation cycles but may be more sensitive when interest rates rise or when investors suddenly rotate toward more defensive businesses. The good news is that health care, consumer staples, energy, and utilities are all represented, adding balance. Overall, the sector mix closely resembles major global indexes, which is a strong indicator of healthy diversification.
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 regions. This is quite similar to global market weights and aligns well with how world equity indexes are constructed. A US‑leaning global mix has historically benefited from strong performance of American companies while still tapping growth in other economies. The presence of emerging and smaller regions is modest but still useful for diversification. This alignment with global standards is a big positive: it means you are not making large regional bets and are naturally diversified across different economic environments and currencies.
Market capitalization
- Mega-cap 42%
- Large-cap 31%
- Mid-cap 18%
- Small-cap 6%
- Micro-cap 2%
By market cap, the portfolio leans heavily toward mega‑cap and large‑cap companies, with smaller but meaningful allocations to mid, small, and even micro‑cap stocks. Larger companies tend to be more stable and dominate broad indexes, while smaller companies can be more volatile but sometimes offer higher growth potential. Having most of the money in big, established firms helps keep risk manageable, yet the exposure to smaller caps adds some extra return potential and diversification. This spread across sizes is typical of total market funds and is a healthy, market‑like structure that avoids extreme tilts toward either giants or tiny companies.
True holdings
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NV NVIDIA Corporation 4.33%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 4.12%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.09%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.14%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.92%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.60%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.51%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.49%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.20%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- 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 22.42%
Looking through the ETFs, the biggest exposures are familiar mega-cap names like NVIDIA, Apple, Microsoft, Amazon, and Alphabet, mostly via the US fund. These companies appear in broad indexes because they’re among the largest in the world, not because the portfolio is specifically picking them. There is some natural concentration in large tech and communication names, which can drive both strong gains and bigger swings when sentiment turns. Because only top-10 holdings are visible, the true diversification is actually much broader. The key takeaway: headline names are big, but they sit within a very wide base of smaller companies.
Factors
Factor exposures across value, size, momentum, quality, yield, and low volatility are all near neutral, meaning the portfolio behaves much like the overall market. Factors are like underlying “traits” of stocks — for example, value is cheaper stocks, momentum is recent winners, and low volatility is steadier names. Some strategies lean hard into one or two of these traits, which can help or hurt depending on the market cycle. Here, no strong tilts stand out, so returns should broadly mirror global equity behavior rather than swinging wildly with any single style. This balanced factor profile is a strong, reassuring foundation.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 70.00% 72.7% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 27.3%
Risk contribution shows how much each holding adds to total portfolio ups and downs, which can differ from simple weights. The US stock ETF, at 70% weight, contributes about 73% of overall risk, while the international ETF, at 30%, contributes roughly 27%. That’s very close to proportional, telling you there isn’t a hidden “hot spot” where one position dominates risk. This alignment is a positive sign: the portfolio behaves roughly as you’d expect from its allocations. If at some point one side became much more volatile or overweight, a light rebalance back toward target weights could keep risk in line with your intentions.
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 has a Sharpe ratio of 0.64 and sits on or very near the efficient frontier. The Sharpe ratio measures return per unit of volatility, like miles per gallon for your risk. The optimal mix (highest Sharpe) uses slightly different weights in the same two funds, offering a bit higher expected return and risk, while the minimum variance mix lowers both. Because you’re already essentially on the frontier, the existing allocation is efficient for its risk level. Any tweaks would be about fine‑tuning preferences for slightly more or less risk, not about fixing a structural problem.
Dividends
- Vanguard Total Stock Market Index Fund ETF Shares 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- Weighted yield (per year) 1.74%
The overall dividend yield is about 1.74%, blending a lower‑yielding US market with a higher‑yielding international basket. Dividends are the cash payments companies make from profits, and over decades they can be a big part of total return, especially when reinvested. This yield level is typical for a broad equity mix today — not high income, but a steady background contribution. For someone in an accumulation phase, automatically reinvesting dividends helps compound growth quietly in the background. For future income needs, this starting yield could grow over time as companies raise payouts, though that’s always subject to business and economic conditions.
Ongoing product costs
- 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%
The total expense ratio (TER) of roughly 0.04% is extremely low. TER is the annual fee charged by the funds, and at this level, costs are almost negligible compared with many actively managed products. Keeping fees down is one of the most reliable ways to improve long‑term outcomes because every basis point saved stays invested and compounds over time. This cost profile is a major strength: it supports better net returns without requiring any extra effort or risk. From a cost efficiency standpoint, the setup is already close to best‑in‑class and doesn’t really have obvious room for meaningful improvement.
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