Efficient but slightly redundant mega cap shrine to the usual American stock market heroes
Report created on Apr 13, 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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VO Vanguard S&P 500 ETF
VOO - US9229083632 70.00% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 20.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10.00%
Structurally this portfolio is the investing version of owning three flavors of the same vanilla ice cream. Seventy percent S&P 500 plus 20% total US market is basically saying “I love large US stocks so much I bought them twice,” then sprinkling 10% international on top to look worldly. For a “balanced” risk label, it’s actually just 100% stocks with a fake mustache. The good news: it’s simple, and hard to totally screw up. The bad news: you’re paying for complexity you’re not really using. A cleaner split between broad US and international would get you to the same place without the duplication.
Growth
Historically, this thing has absolutely not been shy about making money: $1,000 turning into $3,699 over ten years and a 14.03% CAGR is objectively strong. CAGR (compound annual growth rate) is just your average yearly speed over a long road trip, and you’ve been in the fast lane. But the US market did slightly better at 14.5%, so you basically built the US market… then underperformed it by a hair. Max drawdown at -34% also reminds you that “balanced” here does not mean gentle. Past data is yesterday’s weather: good to glance at, dumb to worship. It shows this portfolio rides the US wave, for better and worse.
Projection
The Monte Carlo projection is the part where a computer plays thousands of “what if” futures with your portfolio. Median outcome: $1,000 becomes about $2,731 over 15 years, with an average return around 8% a year. So the future is less heroic than the last decade—welcome back to earth. The range is wide: from basically flat ($946) to “I told you I was a genius” ($7,589). That’s the point: simulations are like a weather forecast 15 days out—directionally useful, hilariously imprecise in detail. Translation: this setup has a decent shot at doing fine long term, but you absolutely signed up for big swings along the way.
Asset classes
- Stocks 100%
Asset classes: 100% stocks, 0% everything else. For a “balanced” risk label, this is more “all gas, no brakes.” There’s no bonds, no cash buffer, nothing that might politely step in and say “Hey, maybe let’s not drop 30% in a month.” That’s great if you’ve got decades and the emotional stability of a Zen monk. Less great if you panic-sell the first time your account looks like a cliff dive. The upside is simple: you’re not secretly sabotaging returns with random clutter. The downside: when stocks hurt, everything you own hurts together.
Sectors
- Technology 31%
- Financials 13%
- Consumer Discretionary 10%
- Telecommunications 10%
- Industrials 10%
- Health Care 10%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Utilities 3%
- Real Estate 2%
Sector-wise, this is Tech & Friends. With technology at 31%, plus telecoms at 10% and a solid chunk of consumer discretionary, you’re very much betting on innovation, advertising, and people continuing to scroll and shop. Financials, healthcare, and industrials show up enough to keep things from being a total one-trick pony, but let’s be honest: the tech-adjacent giants are the main characters. The risk: when the “growth darlings” fall out of fashion, you don’t get to sit it out. You’re playing the popular kids table, which works until it very loudly doesn’t.
Regions
- North America 90%
- Europe Developed 4%
- Japan 2%
- Asia Developed 1%
- Asia Emerging 1%
Geographically, this portfolio screams “America first and second, maybe the rest of the world if there’s room.” About 90% in North America with tiny breadcrumbs tossed to Europe, Japan, and bits of Asia. For a global stock market where a huge chunk lives outside the US, that’s a big home-country crush. It has worked brilliantly in the last decade because US stocks dominated, but that’s more luck than law. If and when other regions lead the party, you’ll be that person still dancing alone to last year’s playlist. A bit more real global exposure wouldn’t hurt.
Market capitalization
- Mega-cap 45%
- Large-cap 34%
- Mid-cap 18%
- Small-cap 2%
Market cap breakdown: 45% mega, 34% large, with mid- and small-caps basically there as window dressing. This is an index-hugger’s dream: you’re worshipping at the altar of the biggest companies on the planet. That can be comfy—these firms don’t vanish overnight—but it also means you’re heavily tied to whatever the giants do. If smaller companies outperform for a stretch, you’ll politely observe from a distance. You’re not reckless here, just very predictable: it’s like only ever ordering the same two items from a giant menu and calling yourself adventurous.
True holdings
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NV NVIDIA Corporation 6.36%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 5.83%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 4.35%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 3.04%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.70%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.26%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 2.15%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 2.11%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.69%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
BR Berkshire Hathaway Inc 1.37%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 31.86%
Looking under the hood, it’s the usual casino VIP list: Nvidia, Apple, Microsoft, Amazon, Alphabet twice, Meta, Tesla, Berkshire. You don’t own these once; you own them repeatedly via overlapping ETFs. That 6.36% Nvidia plus 5.83% Apple etc. shows hidden concentration: when Big Tech sneezes, your portfolio catches the flu. And remember, this is only based on each ETF’s top 10, so the true overlap is almost certainly worse than advertised. It’s a “diversified” portfolio where the same ten megacaps are basically running the show from multiple angles.
Factors
Factor exposure is hilariously reasonable. Value, size, momentum, quality, yield, low volatility—all basically neutral, hovering around 50%. Factors are the hidden “flavors” behind returns (cheap vs expensive, big vs small, trendy vs boring). Here, the flavor is “plain market.” No big tilt toward junky high-momentum rockets, no obsession with high-yield fossils, no extreme safety blanket. It’s almost suspiciously normal. The upside: this portfolio won’t behave too weirdly relative to broad markets. The downside: there’s no deliberate edge—just riding with the crowd and hoping the crowd keeps winning.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 70.00% 71.0% -
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 20.00% 20.6% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 10.00% 8.5%
Risk contribution is where you see who’s actually shaking the portfolio, not just who looks big on paper. Unsurprisingly, the 70% S&P 500 position contributes about 71% of total risk; the total US market chunk adds another 21%. The tiny 10% international slice barely moves the needle at around 8.5% of risk. Translation: this is basically a two-ETF show plus a small international sidekick. If you ever thought that 10% international was your “stability play,” it’s not—it’s a decorative accent. Trimming or reweighting would only matter if you were willing to seriously rethink the US obsession.
Redundant positions
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High correlationVanguard S&P 500 ETFVanguard Total Stock Market Index Fund ETF Shares
The correlation chart politely exposes what was already obvious: your S&P 500 ETF and your total US market ETF move almost identically. Correlation just means they tend to go up and down together—these two are basically twins with slightly different outfits. So holding both isn’t diversification; it’s duplication. When markets drop, both will be diving in sync, not heroically saving each other. If the goal was to blend different behaviors, this is the exact opposite. You’ve built a choir that sings the same note and then added a tiny international backup singer way in the back.
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, your portfolio is actually sitting right on or very near the efficient frontier. The efficient frontier is just the “best possible tradeoff” curve for return vs. volatility using your current ingredients. Sharpe ratio of 0.6 vs 0.79 for the optimal portfolio says there’s a bit of room to juice risk-adjusted returns by tweaking weights, but not dramatically. Translation: for a slightly messy design, it’s weirdly efficient. You basically built something redundant and concentrated in the US… and still landed near optimal. Accidental competence is still competence—don’t get cocky, though.
Dividends
- 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%
- Weighted yield (per year) 1.27%
Dividend yield at 1.27% is basically the portfolio mumbling “here, have a little something” once a year. The US-heavy parts throw off about 1.1%, with international doing the heavy lifting at 2.8%—and it’s only 10% of the pie. So you didn’t build this for income, you built it for growth and vibes. That’s fine if you’re reinvesting and thinking long term, but if you secretly expected this to fund living expenses, the math doesn’t back that up. This is a portfolio that buys you compounding, not cash flow—or at least not anytime soon.
Ongoing product costs
- 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%
- Weighted costs total (per year) 0.03%
Costs are almost suspiciously low: total expense ratio around 0.03%. That’s “did Vanguard accidentally forget to charge you?” territory. You’re basically getting the entire global capitalist machine for less than many people pay in checking account fees. So no roast here, other than: you managed to keep fees low while also overcomplicating your US exposure with overlapping funds. You nailed the cheap part, then tripped slightly on the structure. Still, in the long run, low costs are one of the few things you can actually control, and here you’ve quietly crushed it.
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