Diversified stock focused portfolio anchored by a target date fund with moderate risk and tech tilt
Report created on Jun 6, 2026Risk profile
4/7
Diversification profile
4/5
Positions
-
VT VANGUARD TARGET RETIREMENT 2060 FUND INVESTOR SHARES
VTTSX - US92202E8396 81.30% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 11.15% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 5.23% -
VI Vanguard Dividend Appreciation Index Fund ETF Shares
VIG - US9219088443 2.32%
This portfolio is built around a single core holding: the Vanguard Target Retirement 2060 fund at just over 80%. That fund itself is a diversified mix of global stocks and bonds that automatically shifts over time. Around it sit three satellite ETFs: a broad US market fund, a technology index fund, and a dividend growth fund. Together, these satellites add focused exposure to large US companies, especially in tech and dividend payers. Structurally, this is a “core-and-satellite” setup, where one main fund does most of the heavy lifting and smaller positions fine‑tune the profile. That design keeps the portfolio simple to manage while still allowing for some extra flavor around the edges.
Growth
Over the past decade, a $1,000 investment grew to about $3,643, which is a compound annual growth rate (CAGR) of 13.87%. CAGR is like your average speed over a long road trip, smoothing out bumps along the way. The portfolio slightly lagged the US market benchmark but beat the global market, suggesting a healthy balance between domestic focus and international exposure. The worst drop, or max drawdown, was about -32% during early 2020, similar to broad markets, and it recovered in roughly five months. That pattern shows the portfolio has behaved like a mainstream equity-heavy mix, with strong long-term growth but meaningful short-term swings.
Projection
The Monte Carlo projection uses past returns and volatility to simulate many possible 15‑year futures. Think of it as running the next 15 years 1,000 different ways, each time shuffling the order of good and bad markets. The median outcome turns $1,000 into about $2,739, with most simulations landing between roughly $1,800 and $4,000. There’s also a wide “possible” band ranging from nearly flat to very strong growth. This range highlights that even with the same starting portfolio, long‑term results can vary a lot. These simulations are based on history, not guarantees, so they’re best viewed as a rough map of possibilities, not a prediction.
Asset classes
- Stocks 92%
- Bonds 7%
About 92% of the portfolio sits in stocks and roughly 7% in bonds, with the remainder in cash or other minor holdings inside the target-date fund. That means this is clearly growth oriented, with bonds playing a supporting rather than dominant role. Asset classes matter because stocks drive most long‑term growth but also most of the ups and downs, while bonds tend to smooth the ride. Compared with many “balanced” mixes that might hold much more in bonds, this allocation leans firmly toward equity-style behavior. The modest bond slice still helps during equity selloffs, but overall performance will largely track the stock markets over time.
Sectors
- Technology 32%
- Financials 15%
- Industrials 11%
- Health Care 8%
- Telecommunications 8%
- Consumer Discretionary 8%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 4%
- Utilities 3%
- Real Estate 2%
- Consumer Discretionary 1%
This breakdown covers the equity portion of your portfolio only.
On a sector level, technology is the standout at about 32% of equity exposure, boosted by the dedicated tech ETF. Financials, industrials, health care, telecom, and consumer areas are meaningfully represented, with energy, materials, utilities, and real estate in smaller slices. This shape is broadly similar to many modern equity benchmarks, but with an extra push into tech. Sector weights matter because different parts of the economy react differently to interest rates, inflation, and growth cycles. A tech‑heavier mix can benefit when innovation and growth stocks lead the market, but it may also feel more impact if high‑growth names fall out of favor or rates rise sharply.
Regions
- North America 70%
- Europe Developed 12%
- Asia Developed 5%
- Japan 5%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, around 70% of the portfolio’s equity exposure is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and several emerging regions. That US‑tilted pattern is typical for many global portfolios, especially those using large US index funds as building blocks. Geography influences how sensitive a portfolio is to any one economy, currency, or political system. Here, the tilt toward North America ties results closely to US economic conditions and the dollar, while still tapping into growth and diversification benefits from other regions. This alignment with common global benchmarks is a strength, reducing the risk of being overly tied to one smaller market.
Market capitalization
- Mega-cap 40%
- Large-cap 29%
- Mid-cap 16%
- Small-cap 4%
- Micro-cap 1%
This breakdown covers the equity portion of your portfolio only.
By market capitalization, this portfolio is dominated by mega‑cap and large‑cap companies, together making up around 70%. Mid‑caps add another meaningful slice, while small and micro‑caps play a minor role. Market cap matters because large, established companies often have more stable earnings and easier access to financing, which can dampen volatility compared with tiny firms. Smaller companies, while riskier, can sometimes offer higher growth potential. This structure leans toward the stability of big names while still keeping some exposure to the mid‑cap space. It behaves similarly to mainstream large‑cap benchmarks, which many investors use as their primary equity yardstick.
True holdings
-
NV NVIDIA Corporation 1.85%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AA Apple Inc 1.59%
Part of fund(s):- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 1.16%
Part of fund(s):- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 0.72%
Part of fund(s):- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 0.47%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 0.40%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 0.32%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 0.24%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Tesla Inc 0.19%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 0.16%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 7.10%
This breakdown covers the equity portion of your portfolio only.
Looking through to the top holdings of the ETFs, familiar giants like NVIDIA, Apple, Microsoft, Broadcom, Amazon, Alphabet, Meta, Tesla, and Berkshire show up. None are held directly; all exposure is through the funds. These names appear across multiple ETFs, especially the S&P 500 and tech fund, which creates some hidden concentration even if each individual position is small. Because only top‑10 ETF holdings are captured, actual overlap is likely higher than reported. This pattern is common when using broad market and sector funds together: a handful of large companies quietly drive a meaningful share of returns, especially during periods when mega‑cap leaders dominate markets.
Factors
Factor exposure is broadly balanced, with value, size, momentum, and quality all near neutral levels, meaning they resemble the broader market. The standouts are yield and low volatility. Yield is on the low side, reflecting a tilt toward growth‑oriented companies that reinvest profits instead of paying high dividends. Low volatility exposure is relatively high, suggesting the holdings historically moved a bit more steadily than the market. Factors are like the underlying “personality traits” of investments. This mix implies a growth‑leaning portfolio that hasn’t chased high dividend payouts, while still leaning slightly toward steadier names, which can help during choppier market periods.
Risk contribution
-
VANGUARD TARGET RETIREMENT 2060 FUND INVESTOR SHARES
Weight: 81.30% 78.0% -
Vanguard S&P 500 ETF
Weight: 11.15% 12.4% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 5.23% 7.4% -
Vanguard Dividend Appreciation Index Fund ETF Shares
Weight: 2.32% 2.2%
Risk contribution looks at how much each holding adds to overall ups and downs, which can differ from its weight. The target-date fund is 81% of the portfolio and contributes about 78% of total risk, so its influence is roughly in line with size. The S&P 500 ETF and tech fund together add nearly all of the remaining risk, with the tech ETF punching somewhat above its weight due to higher volatility. The dividend ETF adds a small and proportionate slice. Top three holdings drive more than 97% of total risk, showing that even with four positions, most day‑to‑day behavior is set by the core and two main satellites.
Redundant positions
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High correlationVANGUARD TARGET RETIREMENT 2060 FUND INVESTOR SHARESVanguard Dividend Appreciation Index Fund ETF SharesVanguard S&P 500 ETF
The correlation data shows that the S&P 500 ETF moves very closely with both the target-date fund and the dividend ETF. Correlation measures how often assets move in the same direction, from -1 (opposite) to +1 (almost identical). Highly correlated holdings offer less diversification because they tend to rise and fall together during big market moves. Here, the close link among the core US equity pieces means that while there is diversification inside each fund, the overall portfolio will still largely follow the broader US stock market’s path. That’s not inherently negative; it just means expectations should line up with general equity market behavior.
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 on or very near the efficient frontier, which is the curve showing the best expected return for each risk level using these exact holdings. The Sharpe ratio, which compares excess return to volatility, is 0.62 for the current mix. The maximum Sharpe portfolio and minimum variance portfolio show that, in theory, the same ingredients could be rearranged for slightly different trade‑offs, but the data indicates the existing weights are already efficient. Practically, that means the portfolio is making good use of its building blocks, without obvious evidence of taking unnecessary risk for the level of return it has achieved historically.
Dividends
- Vanguard Information Technology Index Fund ETF Shares 0.30%
- Vanguard Dividend Appreciation Index Fund ETF Shares 1.50%
- Vanguard S&P 500 ETF 1.00%
- VANGUARD TARGET RETIREMENT 2060 FUND INVESTOR SHARES 1.90%
- Weighted yield (per year) 1.71%
The overall dividend yield is about 1.71%, with the target-date and dividend appreciation funds providing the highest payouts. Dividend yield measures yearly cash payments as a percentage of price, acting like rent from owning shares. A lower-to-moderate yield like this suggests the portfolio leans more toward growth than income; many companies are reinvesting profits rather than distributing them. Dividends can still play a useful role by smoothing returns and providing a small stream of cash that’s less sensitive to market swings than prices. Here, dividends are a meaningful but not dominant part of total return, with capital growth doing most of the work historically.
Ongoing product costs
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard Dividend Appreciation Index Fund ETF Shares 0.06%
- Vanguard S&P 500 ETF 0.03%
- VANGUARD TARGET RETIREMENT 2060 FUND INVESTOR SHARES 0.08%
- Weighted costs total (per year) 0.08%
The portfolio’s costs are impressively low, with a blended total expense ratio around 0.08%. The underlying funds range from 0.03% to 0.10%, all at the low end of the industry. Expense ratios are annual fees charged by funds, taken out of assets before returns are reported. Even small differences add up over decades, like a slow leak in a bucket. Keeping costs down leaves more of the portfolio’s gross performance in the investor’s hands. This cost structure aligns well with best practices for long-term investing and supports better compounding over time, especially when combined with broad diversification and a largely passive, index‑based approach.
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