A globally diversified low cost balanced portfolio with equity growth tilt and bond ballast for stability
Report created on Dec 13, 2025Risk profile
4/7
Diversification profile
5/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 48.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 32.00% -
BN Vanguard Total Bond Market Index Fund ETF Shares
BND - US9219378356 20.00%
The portfolio is concentrated in three broad market ETFs with a clear structure: roughly 48% in a total U.S. stock ETF, 32% in total international stocks, and 20% in a broad bond ETF, plus about 1% cash. Compared to a traditional 60/40 benchmark this is equity heavy at about 79% stocks and 20% bonds, giving it more growth potential and higher volatility than a classic balanced mix. Recommendation: keep the simple core structure for clarity but confirm the equity bias matches tolerance and rebalance periodically to the target bands to lock in your chosen risk exposure.
Growth
Using a hypothetical $10,000 starting investment the reported CAGR of 10.62%—CAGR meaning Compound Annual Growth Rate or the average annual growth rate over a period—would have grown that sum to roughly $27k over ten years, illustrating strong long term performance. The portfolio experienced a maximum drawdown near -29%, showing sizable interim declines are possible. Thirty two trading days made up 90% of returns, signaling concentration of gains in relatively few days. Recommendation: accept that strong long term averages can hide volatility and plan for drawdowns with cash buffers or a rebalance plan; past performance is not a guarantee of future results.
Projection
The Monte Carlo analysis used 1,000 simulations to model many possible future paths by randomly drawing from historical return patterns and volatility assumptions; this method shows a distribution of outcomes rather than a single forecast. Median simulation results suggest positive growth with the 50th percentile around 211% of starting capital and 978 of 1,000 simulations ended positive, implying strong historical tails. Annualized simulated return of 9.33% is lower than historical CAGR, reflecting conservative dispersion. Recommendation: treat these projections as scenario guides not guarantees — simulations rely on historical inputs and assumptions that can change in real markets.
Asset classes
- Stocks 79%
- Bonds 20%
- Cash 1%
Asset class allocation is roughly 79% equities 20% bonds and 1% cash which is a tilted balanced profile favoring growth. Diversification across asset classes matters because equities generally drive capital growth while bonds offer income and downside cushioning; here the equity tilt increases expected return and short term volatility. Compared with global benchmark norms this portfolio le
Sectors
- Technology 21%
- Financials 14%
- Industrials 9%
- Consumer Discretionary 8%
- Health Care 7%
- Telecommunications 7%
- Consumer Staples 4%
- Basic Materials 3%
- Energy 3%
- Utilities 2%
- Real Estate 2%
Regions
- North America 51%
- Europe Developed 12%
- Asia Emerging 5%
- Japan 5%
- Asia Developed 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Market capitalization
- Mega-cap 34%
- Large-cap 24%
- Mid-cap 14%
- Small-cap 4%
- Micro-cap 1%
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.
Dividends
- Vanguard Total Bond Market Index Fund ETF Shares 3.80%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 2.15%
Ongoing product costs
- Vanguard Total Bond Market Index Fund ETF Shares 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) 0.04%
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