Tech obsessed world fund cosplay with extra alphabet soup and a tiny guilt bond garnish
Report created on May 31, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 50.18% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 13.59% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.19% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 10.19% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 9.06% -
BN Vanguard Total World Bond ETF
BNDW - US92206C5655 4.53% -
GO Alphabet Inc Class C
GOOG - US02079K1079 2.26%
This portfolio is basically a “Vanguard Total World plus vibes” construction. Half the money is in a global market fund that already holds almost everything, and then there’s a stack of satellites that mostly re-buy the same big names with slightly different labels. The result is diversification theatre: it looks busy, but the core story is “stocks, mostly US, mostly growthy, with some small value and dividends taped on.” Structurally it’s not a disaster, just unnecessarily complicated for something that could be far simpler. When a single holding already gives broad exposure, layering similar funds on top mostly adds redundancy, not real variety.
Growth
Historically, this thing has ridden the bull pretty hard: $1,000 turning into $2,844 and a 17% CAGR is fully “don’t get used to it” territory. It barely beat the US market and comfortably beat the global market, which is what you’d expect from a US‑heavy, tech‑spiced mix. The -33% max drawdown neatly matched the big COVID air pocket, so it did not magically sidestep pain; it just healed quickly in a tech‑driven rebound. That 26-day stat for 90% of returns screams “timing lottery,” where missing a handful of big days would have made this track record look much less heroic.
Projection
The Monte Carlo projection is the cold shower after the performance party. Monte Carlo just means “we ran lots of fake futures using past volatility and returns” to see what might happen. Median outcome is $2,696 after 15 years from $1,000, which is… fine, but nowhere near the backward-looking 17% dream. The 5% worst-case scenario lands around $954, meaning some futures basically go nowhere for a decade and a half. Past data is like yesterday’s weather: good for packing a jacket, bad for predicting the exact storm. This portfolio’s future looks decent but far less magical than its recent history.
Asset classes
- Stocks 95%
- Bonds 5%
Asset class mix: 95% stocks, 5% bonds. That “Growth Investors 5/7” risk label is doing quite a bit of polite sugarcoating here. This is effectively an equity rocket with a tiny bond keychain dangling off it for decoration. The world bond fund position is too small to be a serious shock absorber; it’s more like a participation trophy for acknowledging fixed income exists. In calm markets, this looks bold and efficient. In nasty markets, it behaves almost exactly like a stock portfolio that forgot bonds were invented for a reason.
Sectors
- Technology 34%
- Financials 12%
- Telecommunications 9%
- Industrials 9%
- Consumer Discretionary 8%
- Health Care 7%
- Energy 5%
- Consumer Staples 5%
- Basic Materials 3%
- Utilities 1%
- Real Estate 1%
This breakdown covers the equity portion of your portfolio only.
Sector-wise, tech runs the show at 34% — this is not subtle. Calling it diversified because there are other sectors present is like calling a pizza “balanced” because there’s one mushroom on the corner. The tech chunk, boosted by dedicated IT and growth funds plus market-cap-weighted behemoths, dominates the risk story. If the tech darlings keep winning, this looks clever; if they wobble, the portfolio’s mood will swing hard. The rest of the sectors are basically supporting cast, with nothing else big enough to counteract a serious tech hangover.
Regions
- North America 77%
- Europe Developed 7%
- Asia Developed 3%
- Japan 3%
- Asia Emerging 3%
- Australasia 1%
- Latin America 1%
- Africa/Middle East 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, this is “US plus some souvenir stamps from elsewhere.” With 77% in North America, the supposed “Total World” core is getting heavily overshadowed by all the US-focused satellites. The rest of the planet shows up, but only in token sizes — enough to say “global,” not enough to matter much when the US zigzags. It’s a classic home-bias setup: the world is in the brochure, but the real bet is on one region’s fortunes. That can work for long stretches, but it’s still a big single-economy narrative pretending to be a global story.
Market capitalization
- Mega-cap 37%
- Large-cap 29%
- Mid-cap 14%
- Small-cap 9%
- Micro-cap 6%
This breakdown covers the equity portion of your portfolio only.
Market cap spread looks broad on paper — mega (37%), large (29%), mid (14%), small (9%), micro (6%) — but the real power lies with the giants. The small and micro slices come largely via that small-cap value ETF, which adds some spiciness but not enough to dethrone the mega‑cap overlords seen in the look-through list. So you get the illusion of a gritty, boots-on-the-ground small-cap tilt, when in reality the portfolio still dances to the tune of a handful of behemoths. When the big names move, everything else is just background noise.
True holdings
-
NV NVIDIA Corporation 5.67%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
AA Apple Inc 4.65%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
Part of fund(s):
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
MS Microsoft Corporation 3.33%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
BN Vanguard Bond Index Funds - Vanguard Total Bond Market ETF 2.32%
Part of fund(s):- Vanguard Total World Bond ETF
-
BN Vanguard Charlotte Funds - Vanguard Total International Bond ETF 2.21%
Part of fund(s):- Vanguard Total World Bond ETF
-
AV Broadcom Inc 1.87%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
AM Amazon.com Inc 1.66%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.46%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.90%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total World Stock Index Fund ETF Shares
- Top 10 total 27.48%
This breakdown covers the equity portion of your portfolio only.
Look-through holdings reveal the usual suspects: NVIDIA, Apple, Microsoft, Alphabet, Amazon, Meta — the whole “index celebrity” cast. NVIDIA alone at 5.67% and Apple at 4.65% show how much this setup depends on a few megastars, even though only ~36% of holdings are mapped. Alphabet is the funniest part: 2.26% held directly, then quietly reappearing inside the ETFs for total exposure of 3.41%. That’s not diversification; that’s fan fiction. And because we only see ETF top-10s, the true overlap is almost certainly higher than what the data politely admits.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
Factor exposure is almost suspiciously neutral across the board — value, size, momentum, quality, yield, low vol all hovering around 50%. Factor investing is basically checking what “personality traits” the portfolio has: cheap vs expensive, stable vs wild, etc. Here, the personality is: incredibly average. For a portfolio that looks tech-tilted and growthy, the factor profile is surprisingly bland, meaning the aggressive vibes come more from sector and region than from deliberate factor bets. Either this is carefully engineered balance or a happy accident that landed on “market-like with extra tech.”
Risk contribution
-
Vanguard Total World Stock Index Fund ETF Shares
Weight: 50.18% 48.5% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 13.59% 17.4% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.19% 12.4% -
Schwab U.S. Large-Cap Growth ETF
Weight: 9.06% 10.5% -
Schwab U.S. Dividend Equity ETF
Weight: 10.19% 8.3% - Top 5 risk contribution 97.2%
Risk contribution exposes the real boss: the total world stock ETF. At ~50% weight and ~49% of risk, it’s exactly as dominant as it looks. Then the tech ETF and the small-cap value ETF punch above their weights, contributing more volatility than their allocations suggest. The dividend ETF, meanwhile, does the opposite — decent weight, relatively muted risk, like the sensible friend in a group chat full of adrenaline junkies. Top three positions driving 78% of risk means the portfolio’s fate is concentrated in a very small club, regardless of how many tickers show up on the statement.
Redundant positions
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High correlationSchwab U.S. Large-Cap Growth ETFVanguard Information Technology Index Fund ETF Shares
The correlation section basically shrugs and says, “Yeah, those two growthy funds move together.” The Schwab large-cap growth ETF and the Vanguard tech ETF are almost twins, just marketed with different costumes. Correlation just means they tend to move the same way at the same time; in a crash, they don’t offset each other, they hold hands and jump. Holding both isn’t diversification, it’s doubling down on the same flavor. It’s like ordering two versions of chocolate ice cream and calling it a varied dessert menu.
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.
The efficient frontier is where the math politely tells this portfolio, “You could be doing better with the same ingredients.” With a Sharpe ratio of 0.67 and sitting 4.11 percentage points below the frontier at its risk level, it’s taking more punch than it needs to for the return delivered. Sharpe ratio is just return per unit of risk — like grading not just how fast you drove, but how many times you nearly hit the guardrail. The optimizer claims you could rearrange these existing holdings into a cleaner risk/return deal, but instead the current mix leaves performance on the table.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Vanguard Total World Bond ETF 4.20%
- Alphabet Inc Class C 0.20%
- Schwab U.S. Dividend Equity ETF 3.20%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard Information Technology Index Fund ETF Shares 0.30%
- Vanguard Total World Stock Index Fund ETF Shares 1.60%
- Weighted yield (per year) 1.53%
Despite having a dedicated dividend ETF, the total yield limps in at 1.53%. That’s not “income machine”; that’s “occasional pocket change.” The dividend ETF does pull its weight at 3.2%, but it’s swimming against a tide of low- or no-yield growth and tech names, plus Alphabet’s heroic 0.2% gift. This setup clearly cares more about capital gains than cash flow, yet still bothered to add a dividend fund that can’t drag the overall yield into meaningful territory. It’s like installing a tiny solar panel on a skyscraper and calling it an energy strategy.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Vanguard Total World Bond ETF 0.05%
- Schwab U.S. Dividend Equity ETF 0.06%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- Weighted costs total (per year) 0.09%
Costs are almost annoyingly good. A total TER of 0.09% is index-level cheap, like you actually read the fee column before clicking “buy.” The higher-fee small-cap value fund at 0.25% is the only one even trying to pick your pocket, and even that is mild by active standards. There’s not much to roast here other than the irony: you locked in bargain-bin expense ratios, then used them to assemble a slightly redundant, tech-heavy bundle that still behaves like a more exciting version of a single low-cost world fund. Fees are not the problem in this story.
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