Broad global index mix with balanced stock bond split and efficient risk adjusted performance
Report created on Apr 21, 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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VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 60.00% -
VW Vanguard FTSE Emerging Markets Index Fund ETF Shares
VWO - US9220428588 20.00% -
BN Vanguard Total Bond Market Index Fund ETF Shares
BND - US9219378356 10.00% -
VE Vanguard FTSE Developed Markets Index Fund ETF Shares
VEA - US9219438580 10.00%
This portfolio is built from four broad Vanguard index ETFs, giving it a very simple structure. Around 60% sits in a total US stock fund, 20% in emerging markets stocks, 10% in developed markets outside the US, and 10% in a broad bond fund. That means 90% in stocks and 10% in bonds overall. A structure like this is easy to understand because each building block covers a wide slice of the market rather than narrow themes. The clear weighting also makes it straightforward to see where most of the risk and long‑term growth potential will come from: mainly the large US stock exposure, with added diversification from international and bond positions.
Growth
Over the last decade, a hypothetical $1,000 in this mix grew to about $3,106, which is a compound annual growth rate (CAGR) of 12.06%. CAGR is the “average speed” of growth per year, smoothing out all the bumps. The portfolio’s max drawdown, or largest peak‑to‑trough drop, was about ‑31.7% during early 2020, recovering in roughly five months. Compared with benchmarks, it lagged the US market but was very close to the global market’s return, which is expected for a diversified world‑oriented portfolio. This shows it captured much of equity market growth while keeping declines similar to broad stock indices in major stress periods.
Projection
The forward projection uses Monte Carlo simulation, which basically means running thousands of “what if” scenarios using patterns from historical returns and volatility. For a $1,000 starting amount over 15 years, the median outcome lands near $2,589, with a fairly wide typical range between about $1,778 and $3,825. The average simulated annual return is around 7.35%. These numbers highlight how uncertain future paths can be, even with the same starting portfolio. Monte Carlo results are not forecasts or guarantees; they just map out possible paths if markets behave roughly like the past. The key takeaway is that outcomes span from barely above the starting amount to several times higher.
Asset classes
- Stocks 90%
- Bonds 10%
By asset class, the portfolio is 90% stocks and 10% bonds, which matches a growth‑oriented balanced profile. Stocks drive most long‑term return potential but also most of the ups and downs, while bonds act more like a stabilizer. This split helps explain why the historical drawdown was still sizeable but not as extreme as an all‑equity portfolio. Relative to a classic 60/40 mix, this is clearly more equity‑heavy, so it participates more in stock market swings. The presence of a broad bond fund still provides some cushioning, especially in stock‑specific downturns, though the small weight means it won’t fully offset large equity moves.
Sectors
- Technology 25%
- Financials 14%
- Industrials 9%
- Consumer Discretionary 9%
- Health Care 8%
- Telecommunications 8%
- Consumer Staples 4%
- Energy 4%
- Basic Materials 4%
- Utilities 2%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Sector‑wise, the portfolio leans most toward technology at about 25%, followed by financials, industrials, and consumer sectors, with smaller slices in areas like utilities, real estate, and energy. This is broadly similar to many global equity benchmarks today, where tech and related industries have grown significantly in market value. A tech‑tilted mix can benefit strongly when innovation and growth companies lead the market, but it can feel more volatile when interest rates rise or when sentiment turns against high‑growth names. The spread across multiple other sectors, including defensives like consumer staples and health care, adds balance against sharp sector‑specific shocks.
Regions
- North America 61%
- Asia Emerging 10%
- Asia Developed 7%
- Europe Developed 5%
- Africa/Middle East 2%
- Japan 2%
- Latin America 2%
- Australasia 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, roughly 61% of the equity exposure is in North America, with the rest spread across emerging Asia, developed Asia, Europe, Japan, and smaller allocations to other regions. This means the portfolio lines up quite closely with the global market’s natural tilt toward the US, which currently makes up a large share of world stock value. Being aligned with global market weights is often viewed as a strong foundation for diversification because it reflects how big each region is economically and in public markets. The meaningful but smaller stakes in emerging markets and non‑US developed regions broaden the opportunity set and reduce dependence on just one economy.
Market capitalization
- Mega-cap 38%
- Large-cap 27%
- Mid-cap 16%
- Small-cap 5%
- Micro-cap 1%
This breakdown covers the equity portion of your portfolio only.
In terms of company size, the portfolio is dominated by mega‑cap and large‑cap stocks, together making up about 65%. Mid‑caps and smaller companies form a noticeable but secondary layer. Market capitalization, or “market cap,” is just the total value of a company’s shares, and larger firms often bring more stability and liquidity. This size profile is very similar to mainstream global indexes, where giants naturally carry more weight. The modest exposure to mid and small caps adds some extra growth potential and diversification, since smaller firms can move differently from giants, but it’s not big enough to create a strong size tilt away from the broad market.
True holdings
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NV NVIDIA Corporation 3.84%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 3.55%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.62%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 2.56%
Part of fund(s):- Vanguard FTSE Emerging Markets Index Fund ETF Shares
-
AM Amazon.com Inc 1.92%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.60%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.40%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.27%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.19%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.00%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 20.95%
Looking through the ETFs’ top holdings, the biggest underlying exposures include NVIDIA, Apple, Microsoft, Taiwan Semiconductor, Amazon, Alphabet, Broadcom, Meta, and Tesla. These names appear through the index funds rather than direct single‑stock picks. Because the same large companies often sit in the top ten of multiple broad funds, there is some overlap that creates hidden concentration in a handful of big tech and growth names. The coverage figure is only about a quarter of the total portfolio, since only ETF top‑10s are used, so actual overlap may be higher. Still, it’s clear that the portfolio shares the modern market’s reliance on a small set of mega‑cap leaders.
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 exposures here are essentially neutral across the board: value, size, momentum, quality, yield, and low volatility all sit around the 50% mark. Factor exposure describes how much a portfolio leans into specific characteristics that research links to returns, like cheapness (value) or recent strong performance (momentum). A neutral profile means the portfolio behaves much like the overall market, rather than intentionally tilting toward any one style. This can be helpful if the goal is to capture broad market behavior without making big bets on whether, for example, value will outperform growth or low‑volatility stocks will hold up better in sell‑offs.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 60.00% 68.2% -
Vanguard FTSE Emerging Markets Index Fund ETF Shares
Weight: 20.00% 21.0% -
Vanguard FTSE Developed Markets Index Fund ETF Shares
Weight: 10.00% 10.1% -
Vanguard Total Bond Market Index Fund ETF Shares
Weight: 10.00% 0.7%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the US total stock ETF is 60% of the portfolio but contributes about 68% of the risk. Emerging markets at 20% weight contribute about 21% of risk, and developed ex‑US at 10% contribute roughly 10%. The bond fund, also 10% by weight, adds less than 1% of total risk, reflecting much lower volatility. The top three equity funds explain over 99% of the portfolio’s risk, so the bond slice is mainly a stabilizer. This pattern is typical for stock‑heavy mixes with a small fixed‑income component.
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 risk vs. return chart compares the current mix with an “optimal” portfolio and a minimum‑risk version, using the same funds. The Sharpe ratio, which measures return per unit of risk after accounting for a risk‑free rate, is about 0.53 for the current allocation versus 0.77 for the max‑Sharpe mix and 0.26 for the minimum‑variance mix. Importantly, the current portfolio sits on or very near the efficient frontier, meaning that for its chosen risk level it’s making good use of the available building blocks. In plain terms, the historical data suggests the weights are already arranged in a way that balances risk and return efficiently.
Dividends
- Vanguard Total Bond Market Index Fund ETF Shares 3.90%
- Vanguard FTSE Developed Markets Index Fund ETF Shares 2.70%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.50%
- Weighted yield (per year) 1.82%
The overall dividend yield for the portfolio is around 1.82%, combining stock and bond income. Individual funds range from about 1.10% for the US total stock ETF to roughly 2.5–2.7% for emerging and developed international equities, and close to 3.9% for the bond ETF. Dividend yield is the annual cash payout as a percentage of the fund’s price, and it can be an important component of total return over time. In a stock‑heavy index portfolio like this, most of the long‑term growth typically comes from price appreciation, but the steady stream of income from dividends and bond interest still plays a meaningful supporting role.
Ongoing product costs
- Vanguard Total Bond Market Index Fund ETF Shares 0.03%
- Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
- Weighted costs total (per year) 0.04%
The portfolio’s total expense ratio (TER) is very low at about 0.04% per year, with individual funds ranging from 0.03% to 0.08%. TER is the annual fee the fund charges, expressed as a percentage of assets, and it quietly reduces returns over time. Here, the costs are impressively low, especially compared with many actively managed or niche funds. That means more of the portfolio’s gross return is kept by the investor each year, and that difference compounds over decades. Having such low costs is a clear strength and aligns well with best practices for broad, index‑based investment strategies.
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