Broad low cost equity portfolio with strong US tilt and modest growth factor bias

Report created on Mar 27, 2026

Risk 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

The structure is very straightforward: everything is in stocks, delivered entirely through ETFs. Roughly two‑thirds sits in a broad total US market fund, about a quarter in a NASDAQ‑focused growth ETF, and the rest in total international plus a few tiny satellite tilts to energy, small‑cap value, and aerospace and defense. This kind of “core plus satellites” design is simple to understand and easy to maintain. Because three funds dominate the allocation, most of the behavior will track broad stock markets rather than niche themes. The main takeaway is that risk and returns are driven by equities alone, with no bonds or cash to soften market swings.

Growth Info

Over the period from late 2020 to early 2026, $1,000 grew to about $1,923, which is a compound annual growth rate (CAGR) of 12.79%. CAGR is like your average speed on a road trip, smoothing out all the stops and bursts. This slightly lagged the US market but beat the global market, meaning the heavy US focus helped relative to worldwide stocks. The max drawdown of around ‑27% shows the largest peak‑to‑trough fall; that’s typical stock‑only volatility. Also, 90% of gains came from just 21 days, highlighting how missing a few strong days can really hurt. Past performance is no guarantee, but this pattern is normal for an all‑equity mix.

Asset classes Info

  • Stocks
    100%

All assets are in one bucket: stocks. That makes the portfolio simple but also ties its fate completely to equity markets. Asset classes like bonds, cash, or real estate often play the role of “shock absorbers,” reducing the impact of big stock drops. Without them, the ride will feel bumpier, especially during recessions or sharp market corrections. For a “balanced” risk profile, many investors usually hold some defensive assets, but here the balance is achieved instead through broad diversification within stocks. The key implication is that time horizon and emotional tolerance for volatility need to be strong, because there is no built‑in cushion if stocks fall for an extended period.

Sectors Info

  • Technology
    33%
  • Financials
    11%
  • Telecommunications
    10%
  • Consumer Discretionary
    10%
  • Industrials
    10%
  • Health Care
    9%
  • Consumer Staples
    6%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is tilted toward technology at about a third of the portfolio, with the rest spread across financials, telecom, consumer areas, industrials, health care, energy, and others. This tech‑heavy profile fits with the NASDAQ 100 overlay and the large‑cap growth names seen in the look‑through. When interest rates rise or growth expectations cool, tech and related growth sectors can see sharper swings than more defensive areas. On the other hand, they’ve been major drivers of returns in recent years. The good news is that the remaining sectors are reasonably well represented, which helps soften the impact of any single industry going through a rough patch, even if technology clearly sets the tone.

Regions Info

  • North America
    87%
  • Europe Developed
    6%
  • Japan
    2%
  • Asia Developed
    2%
  • Asia Emerging
    2%
  • Australasia
    1%

Geographically, the portfolio is very US‑centric, with about 87% in North America and only modest exposure to Europe, Japan, and other regions. That’s a bigger home‑country tilt than typical global benchmarks, which allocate more to non‑US markets. Concentrating in one region increases sensitivity to that economy’s policies, currency, and sector mix. At the same time, the US has been a strong performer and hosts many global companies, so this bias has historically been rewarding. The presence of a broad international fund does add some diversification and access to different growth drivers. The main takeaway is that outcomes will heavily track US market fortunes, with international playing more of a supporting role.

Market capitalization Info

  • Mega-cap
    44%
  • Large-cap
    31%
  • Mid-cap
    17%
  • Small-cap
    5%
  • Micro-cap
    2%

Market capitalization is skewed toward the very largest companies, with about three‑quarters in mega‑ and large‑caps, and the rest spread across mid, small, and a touch of micro‑cap. This mirrors broad US and global indices fairly closely, with perhaps a small tilt to the biggest names due to the NASDAQ exposure. Large companies tend to be more stable and liquid, while smaller firms can be more volatile but sometimes offer higher growth potential. The tiny allocation to small‑cap value adds a bit of that dynamic without changing the overall character. Overall, this size mix is mainstream and supports good diversification while leaning on established, widely followed companies.

True holdings Info

  • NVIDIA Corporation
    5.83%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    5.39%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    4.07%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    2.95%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    2.52%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    2.15%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    2.13%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    2.10%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    1.95%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Berkshire Hathaway Inc
    0.86%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 29.95%

Looking through the ETFs, the top exposures are mega‑cap US names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Broadcom, Tesla, and Berkshire Hathaway. Several appear in both the total US market and NASDAQ 100 funds, so those positions are effectively doubled up. That overlap creates hidden concentration in a handful of big growth companies, even though the headline holdings list looks diversified. Since only ETF top‑10 holdings are captured, true overlap is probably higher. The practical takeaway: when multiple broad funds all hold the same giants, portfolio risk can be more tied to a small group of stocks than the fund lineup suggests.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 100%
Size
Exposure to smaller companies
Low
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Low
Data availability: 100%
Quality
Preference for financially healthy companies
Low
Data availability: 100%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure looks fairly close to neutral across the board, with low tilts away from value, size, momentum, and quality, and neutral readings on yield and low volatility. Factors are like the underlying “flavors” of a portfolio—such as cheap vs. expensive (value), big vs. small (size), or stable vs. choppy (low volatility)—that research links to long‑term returns. Here, the mild tilt away from value and size suggests a slight preference for larger, growth‑oriented names over smaller, cheaper stocks. The neutral readings on yield and low volatility mean income and stability aren’t heavily targeted. Overall, the factor profile is balanced and broadly market‑like, which supports steady behavior relative to common indices.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 62.63%
    61.2%
  • Invesco NASDAQ 100 ETF
    Weight: 22.94%
    27.9%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 13.64%
    10.4%
  • Vanguard Energy Index Fund ETF Shares
    Weight: 0.45%
    0.3%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 0.20%
    0.2%
  • Top 5 risk contribution 99.9%

Risk contribution shows how much each holding drives overall ups and downs, which can differ from simple weight. The total US market fund is about 63% of the portfolio and contributes a similar share of risk, which is very proportional. The NASDAQ 100 fund is 23% of assets but nearly 28% of risk, meaning it punches a bit above its weight in volatility. The international fund contributes less risk than its weight, offering some diversification benefit. Notably, the top three ETFs account for over 99% of total risk, while the small satellites barely move the needle. If the goal is to adjust volatility, changes to these big three would be far more impactful than tinkering with the smaller positions.

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 a Sharpe ratio of 0.66, below both the minimum variance portfolio (0.79) and the optimal allocation (1.26). The Sharpe ratio compares return to volatility, like judging a car not just by speed but by how safely it handles curves. Being below the efficient frontier means that, using only the existing holdings, a different mix could potentially deliver either more return for the same risk or similar returns with less risk. For example, the minimum‑variance version shows slightly lower return with meaningfully less volatility. This suggests that tweaking weights among the same ETFs, rather than adding new ones, could improve the overall trade‑off between growth and stability.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.40%
  • iShares U.S. Aerospace & Defense ETF 0.50%
  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard Energy Index Fund ETF Shares 2.30%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • Weighted yield (per year) 1.29%

The overall dividend yield of about 1.29% is modest, reflecting a growth‑oriented, large‑cap equity focus. Yield is the annual cash payout from holdings relative to their price, and it can be a meaningful part of long‑term returns, especially when reinvested. Here, the international and energy funds contribute higher yields, while the NASDAQ and thematic ETFs are low income payers. This setup fits investors more focused on capital growth than on regular cash flow. The main takeaway is that income alone won’t drive results; price changes will dominate. For someone not relying on portfolio income today, that can be perfectly fine, especially if dividends are automatically reinvested to compound over time.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares U.S. Aerospace & Defense ETF 0.40%
  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard Energy Index Fund ETF Shares 0.10%
  • 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) 0.06%

Costs are impressively low, with a total expense ratio (TER) around 0.06%. TER is the annual fee charged by funds, like a small haircut on returns each year. Staying in low‑cost vehicles is one of the strongest, most controllable ways to support long‑term performance. The largest positions sit in very cheap index funds, while the few slightly pricier ETFs are tiny and don’t materially raise the overall cost. This cost profile aligns very well with best practices and gives more room for compounding to work. Over decades, even a difference of 0.3–0.5% per year can add up to thousands of dollars, so keeping fees this low is a real structural advantage.

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