Single fund total market growth portfolio with strong domestic tilt and ultra low ongoing costs
Report created on Mar 29, 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.
What type of investor this portfolio is suitable for
Growth Investors
This kind of setup best fits an investor who accepts big market swings in pursuit of long‑term growth. They’re likely focused on building wealth over 15+ years, such as saving for retirement or other distant goals, and can tolerate seeing their balance drop sharply during bear markets without panicking. Comfort with a heavy domestic focus and a “buy the whole market and hold it” philosophy is key. Short‑term performance or beating specific benchmarks year to year matters less than capturing broad equity returns over decades. A stable income and emergency savings elsewhere help support sticking with the plan.
Positions
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VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 100.00%
The structure is as simple as it gets: one broad stock market ETF at 100%. That fund holds thousands of companies and aims to mirror a total domestic market, from mega-caps down to micro-caps. Simplicity like this can be powerful because it removes guesswork about which area might win and instead captures the average result of all listed companies. The flip side is that there’s no built-in cushion from bonds or cash if markets fall sharply. For someone using this kind of setup, the key practical lever is usually the split between this fund and safer assets held elsewhere, rather than tinkering with the fund itself.
Growth
Over the last decade, $1,000 grew to about $3,516, a compound annual growth rate (CAGR) of 13.44%. CAGR is like average speed on a long road trip, smoothing out bumps along the way. This return slightly trailed a pure US market proxy but beat a global market index by a solid margin, reflecting the strong run in domestic stocks. The max drawdown of around -35% shows the kind of deep but temporary drop that can happen in equities. That level of downside is normal for a stock-only growth approach, but it requires emotional discipline to avoid bailing out during rough patches.
Asset classes
- Stocks 100%
All capital is in stocks, with no allocation to bonds, cash, or alternatives. Asset classes are simply the broad buckets your money can sit in; stocks historically offer higher growth but much larger swings, while bonds and cash smooth the ride. Compared with more balanced mixes that add fixed income, this setup is firmly on the aggressive side. The benefit is strong upside participation in bull markets; the trade-off is living through large temporary losses. For many people, pairing a fund like this with a separate bond or cash allocation can help align overall risk with real-world comfort levels.
Sectors
- Technology 31%
- Financials 12%
- Health Care 10%
- Industrials 10%
- Consumer Discretionary 10%
- Telecommunications 10%
- Consumer Staples 5%
- Energy 4%
- Real Estate 3%
- Utilities 2%
- Basic Materials 2%
Sector-wise, technology is the largest slice at around 31%, followed by meaningful allocations to financials, health care, industrials, and consumer-focused areas. This is broadly in line with today’s domestic total-market composition, which is a good sign that the fund is doing its job. A tech-heavy exposure can be a growth engine, especially when innovation and earnings trends are strong, but tends to be more sensitive to interest rate moves and shifts in investor enthusiasm. Having sizeable allocations to other areas helps soften that, though big macro shocks can still push most sectors in the same direction.
Regions
- North America 99%
Geographic exposure is almost entirely in North America, at about 99%. That means results will be tightly tied to the fortunes of a single economy, currency, and policy environment. This has helped over the last decade because domestic markets outpaced many other regions, which your performance data reflects. The trade-off is limited diversification against scenarios where other parts of the world do better or local conditions stumble. Some investors intentionally keep a home bias for familiarity and currency reasons, while others prefer mixing in international exposure for an added layer of resilience against region-specific shocks.
Market capitalization
- Mega-cap 41%
- Large-cap 31%
- Mid-cap 19%
- Small-cap 6%
- Micro-cap 2%
The fund spans the size spectrum, with roughly 41% in mega-caps, 31% in large-caps, and the rest in mid, small, and micro-caps. Market capitalization just means the market value of a company; larger firms tend to be more stable but slower-growing, while smaller companies can offer higher potential returns with more volatility. This breakdown closely mirrors standard total-market benchmarks, which is exactly what you’d want from this type of ETF. It gives you the growth engine of smaller names without overconcentrating there, and anchors the portfolio in established giants that dominate today’s economy.
True holdings
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NV NVIDIA Corporation 6.18%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 5.89%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 4.41%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 3.05%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
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GO Alphabet Inc Class A 2.74%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
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AV Broadcom Inc 2.28%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 2.16%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
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ME Meta Platforms Inc. 2.13%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.72%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
BR Berkshire Hathaway Inc 1.37%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 31.93%
Looking through to the top holdings, exposure is heavily shaped by a handful of giant companies like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, and Meta. Together, these names account for a meaningful slice of the total fund, even though you only hold a single ETF. This is “hidden concentration”: one ticker but a lot of weight in a few mega-cap growth firms. Because only top-10 positions are captured, true overlap and concentration are actually higher. This setup benefits when big tech and large growth companies lead, but swings can be sharper if sentiment turns against those leaders.
Factors
Factor exposures are almost perfectly neutral across value, size, momentum, quality, yield, and low volatility. Factors are like the underlying “personality traits” that academic research links to returns over time. A neutral profile means the portfolio behaves much like the overall market, without a strong tilt toward cheap stocks, fast-rising names, high-quality balance sheets, or other styles. This is actually a positive sign for a total-market index: it indicates broad, balanced exposure rather than a hidden bet on any one style. Over long periods, this market-like stance tends to track aggregate equity performance closely.
Risk contribution
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Vanguard Total Stock Market Index Fund ETF Shares
Weight: 100.00% 100.0%
With one ETF at 100%, that single holding contributes 100% of portfolio risk. Risk contribution measures how much each position drives overall ups and downs; in more complex portfolios, a small but volatile asset can punch above its weight. Here, the story is simple: the ETF’s volatility is your volatility. The internal diversification across thousands of stocks helps, but everything still moves with the broad domestic market. Anyone wanting to dial risk up or down would typically do it by adjusting how much sits in this fund versus bonds or cash elsewhere, rather than adding more equity complexity.
Dividends
- Vanguard Total Stock Market Index Fund ETF Shares 0.90%
- Weighted yield (per year) 0.90%
The indicated yield is around 0.90%, coming from dividends paid by the underlying companies. Dividends are cash payments that contribute to total return alongside price changes. For a growth‑oriented, total-market exposure, a relatively low yield is normal because many companies reinvest earnings instead of paying them out. Over long periods, reinvested dividends can quietly add a significant boost, even if the headline yield looks modest. This setup is more about capital growth than income, so it tends to fit better for accumulation stages rather than investors who need sizable, regular cash flows to cover living expenses.
Ongoing product costs
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.03%
Ongoing costs are impressively low at a 0.03% total expense ratio (TER). TER is the annual fee the fund charges to cover management and operating expenses, taken directly from returns. In practice, paying 0.03% instead of, say, 0.80% leaves much more of the market’s growth in your pocket, especially when compounded over decades. This cost profile is strongly aligned with best practices for index investing and is a real strength here. With such a low drag, there’s little room to improve on fees, making other levers—like asset mix and savings rate—far more important to long‑term outcomes.
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