Broad global stock portfolio with strong US tilt and balanced factor exposure

Report created on Apr 20, 2026

Risk 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

This portfolio is a 100% stock mix built entirely from broad, low-cost ETFs with a clear US core. Around four-fifths of the weight sits in three diversified index funds covering the S&P 500, the total US market, and total international stocks. The remaining slice is spread across small caps, mid caps, a dedicated tech fund, and a dividend equity ETF. Structurally, this is a “core plus satellites” design: a diversified index core with a few focused add-ons. That kind of setup matters because the core largely drives long-term behavior, while the satellites slightly tilt returns and risk. Here, the core is doing most of the heavy lifting, and the satellite positions mainly tweak size, sector, and income characteristics.

Growth Info

From 2016 to 2026, a hypothetical $1,000 in this portfolio grew to about $3,653, implying a compound annual growth rate (CAGR) of 13.9%. CAGR is like average speed on a road trip, smoothing out bumps along the way. Over the same period, the US market proxy grew faster at 14.77%, while the global market returned 12.16%. So the portfolio lagged a pure US approach but beat a global one. The sharpest historical drop was about -34% during early 2020, fairly similar to the benchmarks’ drawdowns. Only 33 days contributed 90% of returns, underscoring how a handful of strong days can shape long-run outcomes and why staying invested has historically mattered.

Projection Info

The Monte Carlo projection uses past return and volatility patterns to simulate many possible 15‑year paths for $1,000 invested. Think of it as rolling the dice 1,000 times using historical tendencies, then looking at the range of outcomes. The median result lands near $2,729, with most scenarios falling between about $1,794 and $4,296. The wide overall band from roughly $957 to $7,736 shows how uncertain long-term equity outcomes can be. The average simulated annualized return is 8.09%, lower than the historical 13.9%, which is a common feature of more conservative forward-looking assumptions. As always, these are illustrations, not promises, and real markets can behave very differently.

Asset classes Info

  • Stocks
    100%

All of this portfolio is in stocks, with no bonds or cash-like assets in the mix. That single‑asset‑class focus means returns are tightly tied to equity markets, without the potential volatility dampening that fixed income can provide. The diversification is therefore within stocks rather than across different asset types. Compared with a more mixed stock–bond benchmark, this structure typically leads to larger swings, both up and down. On the positive side, the equity-only approach keeps growth potential tied directly to corporate earnings and global economic expansion. On the flip side, there is no built‑in buffer from more defensive asset classes during sharp market downturns.

Sectors Info

  • Technology
    30%
  • Financials
    14%
  • Industrials
    11%
  • Health Care
    10%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Consumer Staples
    6%
  • Energy
    5%
  • Basic Materials
    3%
  • Utilities
    3%
  • Real Estate
    2%

Sector-wise, the portfolio has a noticeable tech tilt at about 30%, reflecting both the dedicated technology ETF and the tech‑heavy composition of broad US indexes. Financials, industrials, and health care all have meaningful but smaller shares, followed by consumer-related areas and communication services. This distribution is broadly in line with major US‑centric benchmarks but with an extra push toward technology. A tech‑leaning mix can benefit when innovation-driven companies outperform, but tends to be more sensitive during periods of rising interest rates or when growth stocks fall out of favor. The presence of sectors like staples, utilities, and energy helps add some variety, though they are secondary in weight.

Regions Info

  • North America
    81%
  • Europe Developed
    8%
  • Japan
    3%
  • Asia Developed
    3%
  • Asia Emerging
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, about 81% of exposure is in North America, with the balance spread across developed Europe, Japan, other developed Asia, emerging Asia, Australasia, and Africa/Middle East. This is more US‑heavy than global market benchmarks, where the US typically represents a bit over half of world equity value. The added international fund helps diversify currencies and economic cycles beyond the US, but the portfolio still largely follows US market fortunes. This US tilt has been beneficial in the last decade, as US equities have generally outpaced many other regions. At the same time, it means that any prolonged US-specific downturn would have an outsized effect compared with a more globally even mix.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    32%
  • Mid-cap
    20%
  • Small-cap
    5%
  • Micro-cap
    3%

By market capitalization, the portfolio leans toward larger companies: about 38% in mega caps and 32% in large caps. Mid caps take 20%, with small and micro caps together at 8%. This pattern is similar to a typical broad market, where the biggest firms dominate index weightings. Larger companies often bring more stability and liquidity, while smaller ones can be more volatile but offer different growth dynamics. The dedicated Russell 2000 small‑cap ETF and the mid‑cap ETF introduce exposure that a pure S&P 500 holding would miss. This size blend creates a smoother path than a small‑cap‑heavy portfolio, while still capturing some of the distinct behavior of smaller businesses.

True holdings Info

  • NVIDIA Corporation
    5.07%
    Part of fund(s):
    • Technology Select Sector SPDR® Fund
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    4.51%
    Part of fund(s):
    • Technology Select Sector SPDR® Fund
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    3.33%
    Part of fund(s):
    • Technology Select Sector SPDR® Fund
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    2.10%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    1.78%
    Part of fund(s):
    • Technology Select Sector SPDR® Fund
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    1.73%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    1.38%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    1.29%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    1.08%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Berkshire Hathaway Inc
    0.90%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 23.17%

Looking through the ETFs’ top holdings, the portfolio’s largest underlying exposures are mainly big US tech and growth names: NVIDIA, Apple, Microsoft, Amazon, Broadcom, Alphabet share classes, Meta, Tesla, and Berkshire Hathaway. These appear across multiple funds, so the same company can show up in several ETFs at once. For instance, NVIDIA and Apple each sit above 4.5–5% of the total portfolio based on top‑10 data alone. Because only top‑10 positions are captured, actual overlap is likely higher. This kind of embedded concentration means that, despite many ETFs, a handful of mega‑cap stocks have a meaningful influence on performance and risk in both directions.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 100%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Neutral
Data availability: 100%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposures across value, size, momentum, quality, yield, and low volatility are all close to neutral, clustered around the 50% mark. Factor exposure is basically how much the portfolio leans into certain characteristics that research links to returns, like cheapness (value) or steadiness (low volatility). Neutral readings suggest the mix behaves similarly to a broad market index rather than intentionally emphasizing any particular factor. This is consistent with a portfolio largely built from standard market‑cap‑weighted index funds. The result is a relatively “plain vanilla” factor profile, where returns are more driven by overall equity market moves than by specific style tilts.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 40.00%
    40.4%
  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 20.00%
    20.6%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 20.00%
    17.5%
  • Technology Select Sector SPDR® Fund
    Weight: 5.00%
    6.3%
  • iShares Russell 2000 ETF
    Weight: 5.00%
    5.9%
  • Top 5 risk contribution 90.7%

Risk contribution shows how much each holding adds to the portfolio’s total ups and downs, which can differ from its simple weight. Here, the three big core funds—the S&P 500, total US, and total international—account for about 78.5% of overall risk, roughly matching their combined weight. The tech sector ETF and the small‑cap ETF each contribute slightly more risk than their 5% weights would imply, with risk/weight ratios above 1.2 and 1.1 respectively. That’s typical for more volatile or narrower segments. Overall, risk is reasonably aligned with position size, with no single ETF dominating beyond what its allocation would suggest.

Redundant positions Info

  • Vanguard Mid-Cap Index Fund ETF Shares
    Vanguard S&P 500 ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The correlation data shows that the S&P 500 ETF, the total US market ETF, and the mid‑cap ETF move very closely together. Correlation measures how often and how strongly assets move in the same direction; highly correlated holdings behave similarly, reducing diversification benefits. This cluster of US equity funds effectively amplifies the same underlying risk drivers, even though they track slightly different indexes. The diversification in this portfolio therefore comes more from the international fund, small caps, dividend tilt, and the tech satellite than from differences between the main US equity funds. During broad US market swings, these core pieces are likely to rise or fall together.

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 vs. return chart, the current portfolio sits below the efficient frontier by about 1.9 percentage points of return at its current risk level. The efficient frontier shows the best risk/return combinations possible using the existing holdings in different proportions. The current Sharpe ratio—a measure of return per unit of risk above the risk‑free rate—is 0.59, while the maximum‑Sharpe mix reaches 0.92 and even the minimum‑variance mix sits at 0.68. This suggests that, historically, alternative weightings of the same ETFs could have improved risk‑adjusted performance without adding new positions, though that’s based on past data and not a guarantee for the future.

Dividends Info

  • iShares Russell 2000 ETF 0.90%
  • Schwab U.S. Dividend Equity ETF 3.40%
  • Vanguard Mid-Cap Index Fund ETF Shares 1.40%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Technology Select Sector SPDR® Fund 0.50%
  • Weighted yield (per year) 1.53%

The portfolio’s overall dividend yield is about 1.53%, slightly above the S&P 500’s recent average but still modest. Yields vary meaningfully by ETF: the dedicated dividend equity fund is the highest at 3.4%, while the tech sector ETF is only 0.5%. Dividends can be a steady, if relatively small, component of total return, especially compared with price appreciation in growth‑oriented stocks. In this mix, income is clearly a secondary feature rather than the main focus. The blend of standard index funds and one dividend‑tilted ETF provides some cash flow without dramatically shifting the portfolio away from mainstream market exposures or toward very high‑yield, higher‑risk segments.

Ongoing product costs Info

  • iShares Russell 2000 ETF 0.19%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard Mid-Cap Index Fund ETF Shares 0.04%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Technology Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.05%

Costs are impressively low, with a weighted total expense ratio (TER) of about 0.05%. TER is the annual fee charged by funds as a percentage of assets, quietly deducted in the background. Here, the largest positions sit in very low‑cost index ETFs, and even the more specialized funds stay under 0.2%. Over long periods, keeping fees this low can meaningfully support net returns, since less performance is lost to expenses each year. This aligns well with best practices for core equity exposure, where low-cost indexing is widely used. The fee structure is a clear strength of this portfolio and provides a solid base for long-term compounding.

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