Broad global stock allocation with strong tech tilt and efficient but growth oriented risk profile
Report created on Mar 24, 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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IT iShares Core S&P Total U.S. Stock Market ETF
ITOT - US4642871507 60.00% -
IX iShares Core MSCI Total International Stock ETF
IXUS - US46432F8344 30.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 10.00%
The portfolio is a very clean three-fund setup: 60% total U.S. stock market, 30% total international stocks, and 10% NASDAQ 100. That means you are 100% in stocks, with a modest growth kicker from the NASDAQ slice on top of broad global exposure. This kind of structure is simple, transparent, and easy to maintain over time. Because everything is in diversified equity ETFs, day‑to‑day moves will track how global stocks behave. The main takeaway is that this is an intentionally all‑equity allocation, so it’s built for growth and volatility rather than capital stability or short‑term spending needs.
Growth
Historically, from late 2020 to early 2026, the portfolio turned $1,000 into about $1,881, a compound annual growth rate (CAGR) of 13.04%. CAGR is like your average speed on a road trip, smoothing out bumps along the way. This trailed the U.S. market (13.84% CAGR) but beat the global market (11.85% CAGR), which is solid. The max drawdown was about -27.2%, a bit deeper than the U.S. market but close to the global market, showing typical equity-level downside. Only 21 days made up 90% of returns, underlining how a few strong days drive long‑term results and why staying invested through volatility really matters.
Projection
The Monte Carlo projection simulates 1,000 possible 10‑year paths based on historical returns and volatility. Think of it as rerunning the market thousands of times with slightly different dice rolls. The median outcome is a cumulative gain of about 461%, while even the 5th percentile scenario still shows a positive total return around 73%. An impressive 995 out of 1,000 simulations ended higher than they started, and the average simulated annual return is 14.13%. This suggests a strong growth profile, but it’s still based on past behavior. Markets can change regime, so these numbers are best seen as a range of possibilities, not a guarantee.
Asset classes
- Stocks 100%
All of the allocation is in stocks, with no explicit bonds, cash, or alternative assets. That’s why the risk score sits at 4 out of 7: it’s higher risk than mixed stock‑bond portfolios but more moderate than leveraged or ultra‑concentrated setups. Being 100% in equities is powerful for long‑term growth, especially over decades, because stocks historically outpace inflation and fixed income. The flip side is that there’s no built‑in cushion for big market drops or near‑term withdrawals. Anyone using a structure like this usually pairs it with a separate cash or bond bucket outside the portfolio for emergencies or short‑horizon spending.
Sectors
- Technology 29%
- Financials 14%
- Industrials 11%
- Consumer Discretionary 10%
- Telecommunications 9%
- Health Care 9%
- Consumer Staples 6%
- Energy 4%
- Basic Materials 4%
- Utilities 3%
- Real Estate 2%
Sector allocation is broadly diversified, but with a clear tilt: about 29% technology, then meaningful slices in financials, industrials, consumer cyclicals, communication services, and healthcare. Smaller portions go to defensive and utility areas. This layout is actually quite close to major global equity benchmarks, just with an extra nudge toward tech due to the NASDAQ 100 position. Tech‑heavy exposure tends to do very well in growth and low‑rate environments but can feel rough when interest rates spike or when investors rotate toward more value‑oriented areas. The upside is strong participation in innovation; the key is being comfortable with the added volatility.
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 developed Asia, and emerging regions. This is slightly more U.S.-tilted than a pure global market index but still has a healthy international slice at 30%, which is more diversified than many U.S.‑only portfolios. This allocation is well‑balanced and aligns closely with global standards while still recognizing the U.S. market’s size and depth. The benefit is reduced reliance on any single country, and some exposure to different economic cycles and currencies. The tradeoff is that foreign markets sometimes lag the U.S. for extended periods, testing patience.
Market capitalization
- Mega-cap 45%
- Large-cap 31%
- Mid-cap 17%
- Small-cap 5%
- Micro-cap 1%
By market cap, the portfolio leans strongly toward larger companies: 45% mega‑cap, 31% big, 17% medium, with only about 6% in small and micro caps combined. That’s very similar to broad market indexes, where the biggest companies naturally dominate. Large‑cap focus tends to mean more stability, stronger balance sheets, and easier information flow for investors. It can, however, miss some of the explosive growth opportunities in smaller companies. This structure suits someone who wants the market’s overall growth engine with a bit less of the extreme swings that can come from heavier small‑cap exposure.
True holdings
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NV NVIDIA Corporation 4.94%
Part of fund(s):- Invesco NASDAQ 100 ETF
- iShares Core S&P Total U.S. Stock Market ETF
-
AA Apple Inc 4.20%
Part of fund(s):- Invesco NASDAQ 100 ETF
- iShares Core S&P Total U.S. Stock Market ETF
-
MS Microsoft Corporation 3.31%
Part of fund(s):- Invesco NASDAQ 100 ETF
- iShares Core S&P Total U.S. Stock Market ETF
-
AM Amazon.com Inc 2.38%
Part of fund(s):- Invesco NASDAQ 100 ETF
- iShares Core S&P Total U.S. Stock Market ETF
-
GO Alphabet Inc Class A 2.02%
Part of fund(s):- Invesco NASDAQ 100 ETF
- iShares Core S&P Total U.S. Stock Market ETF
-
AV Broadcom Inc 1.70%
Part of fund(s):- Invesco NASDAQ 100 ETF
- iShares Core S&P Total U.S. Stock Market ETF
-
GO Alphabet Inc Class C 1.66%
Part of fund(s):- Invesco NASDAQ 100 ETF
- iShares Core S&P Total U.S. Stock Market ETF
-
ME Meta Platforms Inc. 1.61%
Part of fund(s):- Invesco NASDAQ 100 ETF
- iShares Core S&P Total U.S. Stock Market ETF
-
TS Tesla Inc 1.41%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- iShares Core S&P Total U.S. Stock Market ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.07%
Part of fund(s):- iShares Core MSCI Total International Stock ETF
- Top 10 total 24.30%
Looking through the ETFs, the biggest underlying positions are familiar mega‑cap names: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and TSMC. Many of these appear in more than one ETF, especially the NASDAQ 100 and U.S. total market fund, creating hidden concentration in a handful of large tech and tech‑adjacent companies. Because this analysis only uses top‑10 ETF holdings, overlap is probably understated, but it still clearly shows a cluster in a small group of giants. The upside is strong participation in market leaders; the tradeoff is that portfolio behavior will be very sensitive to how these few stocks perform.
Factors
Factor exposure shows dominant tilts toward low volatility, momentum, and value. Factors are like personality traits of your investments: momentum favors recent winners, value leans into cheaper stocks, and low volatility prefers steadier names. Here, momentum exposure is fairly strong, suggesting better performance when trends persist, while low volatility may help soften some market swings. The value signal is present but not overwhelming. Because average factor signal coverage is only 35%, there is some uncertainty in these estimates. Still, the blend suggests a portfolio that may hold up reasonably in choppy environments but can hurt if strong trends suddenly reverse.
Risk contribution
-
iShares Core S&P Total U.S. Stock Market ETF
Weight: 60.00% 61.6% -
iShares Core MSCI Total International Stock ETF
Weight: 30.00% 25.9% -
Invesco NASDAQ 100 ETF
Weight: 10.00% 12.5%
Risk contribution shows how much each holding drives overall portfolio ups and downs. The U.S. total market ETF is 60% of the weight but about 61.6% of the risk, very proportional. The international ETF is 30% weight yet only 25.9% of the risk, meaning it slightly dampens volatility. The NASDAQ 100, at 10% weight, contributes around 12.5% of the risk, so it’s punchier per dollar invested. This is a neat, intuitive pattern: bigger holdings drive most of the risk, and the growth‑tilted NASDAQ slice amplifies it modestly. Rebalancing back to target weights over time can keep this risk profile steady and intentional.
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 directly on the efficient frontier, meaning that for its mix of these three ETFs, it’s already using them in a very efficient way. The Sharpe ratio of 0.67 is just under the minimum variance portfolio’s 0.68 and below the optimal portfolio’s 0.74, but that optimal point comes with slightly higher risk. The same‑risk optimized version would push expected return higher, but at a noticeably higher volatility level. In practice, that says your current weights strike a smart balance: very efficient for the chosen holdings while keeping risk in a balanced, moderate‑growth zone.
Dividends
- iShares Core S&P Total U.S. Stock Market ETF 1.10%
- iShares Core MSCI Total International Stock ETF 3.20%
- Invesco NASDAQ 100 ETF 0.50%
- Weighted yield (per year) 1.67%
The overall dividend yield is about 1.67%, combining 1.10% from U.S. stocks, 3.20% from international, and 0.50% from the NASDAQ 100. That’s a modest income profile, more growth‑oriented than income‑oriented. Dividends are essentially cash payouts companies share with shareholders, and they can be a meaningful part of long‑term total return, especially when reinvested. Here, the higher yield from international stocks boosts the overall figure a bit. For someone focused on long‑term growth, this level of yield is perfectly consistent; for pure income needs, a separate, more yield‑focused bucket would typically be used instead of relying on this portfolio alone.
Ongoing product costs
- iShares Core S&P Total U.S. Stock Market ETF 0.03%
- iShares Core MSCI Total International Stock ETF 0.07%
- Invesco NASDAQ 100 ETF 0.15%
- Weighted costs total (per year) 0.05%
Costs are impressively low. The total TER is around 0.05%, with the U.S. fund at 0.03%, international at 0.07%, and NASDAQ 100 at 0.15%. TER (total expense ratio) is like a small annual service fee charged by the ETFs. At these levels, you’re keeping almost all of the market’s return, which is a huge advantage compounding over decades. High fees quietly eat into gains year after year, but here cost drag is minimal and clearly aligned with index‑style investing best practices. This cost profile strongly supports better long‑term performance relative to more expensive, actively managed alternatives.
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