Well diversified low cost index portfolio tilted to stocks for growth with moderate downside swings
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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VO Vanguard S&P 500 ETF
VOO - US9229083632 70.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
BN Vanguard Total Bond Market Index Fund ETF Shares
BND - US9219378356 10.00%
The structure is simple and focused: about 70% in a broad US stock index, 20% in total international stocks, and 10% in a core bond fund. This creates a classic “equity first” allocation with a small stabilizer from bonds. Simplicity matters because it reduces the chance of expensive mistakes and makes it easier to stay the course through volatility. With nearly all exposure in broad index funds, the portfolio leans on global capitalism rather than specific stock-picking skill. The main takeaway is that this setup is straightforward, growth-oriented, and easy to manage, but the modest bond slice means swings will still feel very much like an equity-heavy portfolio.
Growth
Historically, $1,000 grew to about $3,179, which translates to a 12.93% compound annual growth rate (CAGR). CAGR is the “average speed” per year, smoothing out the bumps along the way. That’s slightly behind the US market but ahead of the global market, which is very normal for a mix that includes both US and international stocks plus bonds. The worst peak‑to‑trough fall, a max drawdown of about -31.6%, was a bit milder than the benchmarks’ roughly -33%. Overall, the returns have been strong and the downside somewhat cushioned, consistent with a balanced but equity‑leaning profile. Just remember past returns are not a promise of future results.
Asset classes
- Stocks 90%
- Bonds 10%
The asset mix is roughly 90% stocks and 10% bonds, which is aggressive for a “balanced” risk label but very common for growth‑oriented long‑term investors. Stocks are the main engine for higher returns over long horizons, while bonds act more like shock absorbers, dampening volatility and providing income. Compared with a textbook 60/40 split, this portfolio will usually grow faster in strong markets and fall more in steep downturns. The upside is strong long‑term growth potential; the trade‑off is larger, more frequent drawdowns. Anyone using this setup should be comfortable with meaningful equity swings and ideally have a long time horizon before they need to spend the money.
Sectors
- Technology 26%
- Financials 13%
- Industrials 9%
- Consumer Discretionary 9%
- Telecommunications 8%
- Health Care 8%
- Consumer Staples 5%
- Energy 3%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is broad, but there’s a clear tilt toward technology at 26%, with financials, industrials, and consumer areas rounding things out. This pattern is similar to many modern global equity indexes and aligns well with market standards, which is a strong indicator of diversification. A tech‑heavy allocation tends to benefit from innovation and productivity trends, but it can also be sensitive to interest rate moves and shifts in investor sentiment about growth companies. Because no single defensive sector dominates, this mix will feel very “equity market‑like”: strong participation in rallies and meaningful participation in sell‑offs. The balanced spread beyond tech helps avoid overreliance on any one part of the economy.
Regions
- North America 71%
- Europe Developed 8%
- Japan 3%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, the portfolio leans heavily on North America at 71%, with the rest spread across developed Europe, Japan, other developed Asia, emerging Asia, and smaller slices in Australasia and Africa/Middle East. This tilt toward the US is typical for many investors and also roughly matches global market value once you include small caps and private companies, so it’s not an extreme home bias. The benefit is exposure to deep, well‑regulated markets with many global leaders. The trade‑off is that outcomes are quite tied to how North American markets perform. The presence of developed and emerging regions still provides meaningful global diversification and helps capture growth outside the US without overcomplicating the allocation.
Market capitalization
- Mega-cap 42%
- Large-cap 30%
- Mid-cap 16%
- Small-cap 1%
This breakdown covers the equity portion of your portfolio only.
The portfolio is dominated by mega‑cap and large‑cap stocks, together about 72%, with a smaller share in mid‑caps and a very modest 1% in small‑caps. Larger companies tend to be more stable, widely followed, and less volatile than smaller firms, which supports the overall low‑volatility tilt seen in the factors. The downside is less exposure to the sometimes higher long‑term growth that small‑cap stocks can offer, albeit with bumpier rides. This capitalization mix lines up closely with global index norms, which is typically a good sign for diversification and liquidity. It also means the portfolio’s behavior should mirror broad market indexes rather than sharply deviating due to niche or illiquid holdings.
True holdings
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NV NVIDIA Corporation 5.12%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc 4.65%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.47%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.43%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.16%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.80%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.72%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.68%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.34%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 1.10%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 25.47%
Looking through the ETFs, there’s clear concentration in a handful of mega‑cap names: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Berkshire stand out. These appear via multiple index funds, creating “hidden” overlap even though only top‑10 ETF holdings are captured, so true overlap is likely higher. This is normal for cap‑weighted indexing, where the biggest companies naturally dominate. The benefit is exposure to highly profitable, globally important firms. The flip side is that portfolio behavior can be heavily influenced by how this small group performs, especially during tech or mega‑cap sell‑offs. Being aware of this dynamic helps set expectations about how quickly the portfolio might rise or fall in certain market environments.
Factors
Factor exposure shows strong tilts to yield, low volatility, and momentum. Factors are like the “ingredients” driving returns: value, size, momentum, quality, low volatility, and yield each capture different stock characteristics. A high yield tilt, even with limited coverage, suggests a bias toward income‑generating holdings. The low volatility tilt points to stocks that have historically moved less than the market, which usually softens drawdowns. Momentum exposure means the portfolio leans toward stocks that have been recent winners, which can enhance returns in trending markets but may hurt during sharp reversals. Overall, this blend should behave relatively calmly compared to pure growth portfolios while still benefiting from market trends, though factor relationships can change over time.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 70.00% 79.6% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 19.7% -
Vanguard Total Bond Market Index Fund ETF Shares
Weight: 10.00% 0.7%
Risk contribution shows how much each holding drives total portfolio volatility, which can differ from its weight. Here, the S&P 500 ETF is 70% of the portfolio but contributes almost 80% of total risk, while the 20% international fund contributes about 20% of risk. The 10% bond position, however, adds less than 1% of risk, acting as a strong stabilizer. This means the bond allocation is doing its job, but the true “risk engine” is the US equity piece. Aligning risk contribution with comfort levels often involves adjusting these weights rather than adding more funds. As it stands, risk is heavily anchored in the US stock market, with bonds playing a small but powerful cushioning role.
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 an expected return of 12.48% with volatility of 15.67%, giving a Sharpe ratio of 0.67. The Sharpe ratio is a simple way to compare how much return you’re getting per unit of risk. The optimal mix of these same holdings on the efficient frontier has a higher Sharpe of 0.77, meaning better risk‑adjusted performance is theoretically possible by just reweighting what’s already here. That optimal point takes on a bit more risk and return. Since the current allocation sits below the efficient frontier, there’s potential to fine‑tune the stock‑bond split or regional weights to get more “bang for your risk buck” without adding new products.
Dividends
- Vanguard Total Bond Market Index Fund ETF Shares 3.90%
- Vanguard S&P 500 ETF 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- Weighted yield (per year) 1.83%
The blended dividend yield is about 1.83%, coming from roughly 1.2% on US stocks, around 3% on international stocks, and almost 3.9% on bonds. Dividends are the cash payments investors receive, which can be taken as income or reinvested to buy more shares. For a growth‑oriented portfolio like this, reinvesting dividends is a powerful driver of long‑term compounding. The yield is modest but steady, which is typical for broad stock and core bond index funds today. Income‑focused investors would usually want a higher overall yield, but for long‑term growth, this level is quite reasonable and supports a balance between income and appreciation.
Ongoing product costs
- Vanguard Total Bond Market Index Fund ETF Shares 0.03%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.03%
Total ongoing fund costs are extremely low at about 0.03% per year, which is one of the biggest strengths here. This figure, often called the TER (total expense ratio), is like a tiny annual “service fee” built into the funds’ prices. Low costs matter a lot because they compound in your favor: paying 0.03% instead of, say, 1% keeps significantly more return in your pocket over decades. These cost levels are well below industry averages and closely align with best practices for long‑term index investing. Keeping expenses this low supports better performance without needing to take extra risk or chase more complex strategies.
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