Broad low cost stock portfolio with strong US tilt and moderate tech growth focus
Report created on Apr 11, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 60.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 10.00%
The standout feature here is how clean and simple the structure is: three broad stock ETFs with clear roles. Roughly 60% goes to a total US market fund, 30% to total international stocks, and 10% adds extra exposure to a concentrated growth index. A setup like this is easy to understand and maintain, which really helps long-term discipline. Everything is in equities, so there’s no built‑in ballast from bonds or cash. The big takeaway is that this is a straightforward, equity-only mix: diversification comes from owning thousands of companies globally, not from mixing in safer asset classes.
Growth
Historically, $1,000 grew to about $1,967 over the period, a compound annual growth rate (CAGR) of 13.17%. CAGR is just the “average yearly speed” of growth over the whole period. That’s slightly behind the US market but ahead of the global market, which is a respectable outcome. The max drawdown of about -27% shows the portfolio can drop meaningfully in rough markets, taking almost two years from peak to full recovery. This pattern is typical of a fully stock-based allocation. The main message: returns have been strong, but the ride includes sizeable, multi‑year downturns that an investor must be prepared to sit through.
Projection
The Monte Carlo projection uses many random “what if” paths based on historical patterns to estimate future outcomes. Think of it as running the next 15 years a thousand different ways and seeing the range of results. The median outcome takes $1,000 to about $2,649, with a broad “likely” band from roughly $1,765 to $4,152. There’s also a meaningful chance of ending near where you started or below. The average simulated annual return of around 8% is lower than recent history, reflecting uncertainty. The key point: expect a wide range of potential results, not a smooth path or a guaranteed number.
Asset classes
- Stocks 100%
All of the allocation is in stocks, with 0% in bonds, cash, or alternatives. That’s a big driver of both growth potential and volatility. Stocks historically offer higher returns than bonds over long periods, but they also fall harder in market stress. With no defensive assets, drawdowns are taken “full force,” and recovery depends entirely on equity markets bouncing back. Compared with a classic balanced portfolio that mixes in bonds, this setup is more aggressive despite the “balanced” risk label. A takeaway here is that anyone using this structure should rely on their time horizon and emergency cash outside the portfolio to manage risk.
Sectors
- Technology 29%
- Financials 14%
- Industrials 11%
- Consumer Discretionary 10%
- Health Care 9%
- Telecommunications 9%
- Consumer Staples 6%
- Basic Materials 4%
- Energy 4%
- Utilities 3%
- Real Estate 2%
Sector exposure is tilted toward technology at 29%, with the rest spread reasonably across financials, industrials, consumer, health care, and other areas. This looks broadly similar to global benchmarks, but that tech slice plus the extra NASDAQ 100 allocation means sensitivity to tech cycles is a bit higher than a pure world market tracker. Tech-heavy areas can shine when innovation and earnings growth are strong, yet they tend to be more sensitive when interest rates rise or sentiment turns. The balance across non‑tech sectors helps, but an investor should still expect sharper swings when big tech names move.
Regions
- North America 72%
- Europe Developed 11%
- Japan 5%
- Asia Developed 4%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 72% sits in North America, with the rest scattered across developed and emerging regions. That’s somewhat more US‑tilted than global market weights, which currently give non‑US markets a larger share. Over recent years, that US bias has generally helped, thanks to strong performance from American mega‑caps. The flip side is higher exposure to one economy, one policy regime, and one currency. The smaller but still meaningful allocations to Europe, Japan, and Asia add diversification, especially if leadership rotates away from US markets. The key idea: it’s global, but with a clear home‑country lean.
Market capitalization
- Mega-cap 44%
- Large-cap 31%
- Mid-cap 18%
- Small-cap 5%
- Micro-cap 1%
The market cap breakdown is dominated by mega‑ and large‑cap stocks, together making up about three‑quarters of the portfolio. Mid‑caps and smaller companies play a supporting role, around a quarter in total. Bigger companies often bring more stability and liquidity, while smaller firms can add growth and diversification but tend to be bumpier. This mix looks very close to broad market weights, which is generally a strong foundation. It avoids big speculative swings into tiny companies, yet doesn’t completely ignore the potential upside of smaller firms. In practice, it should feel like “owning the market” rather than betting on any one size segment.
True holdings
-
NV NVIDIA Corporation 4.57%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 4.30%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.20%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.29%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.99%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.67%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.62%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.62%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.39%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.03%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 23.67%
Looking through the ETFs, the top exposures cluster heavily in the biggest global tech and tech-adjacent names: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, and Tesla feature prominently. These appear across multiple funds, which creates hidden concentration even though they look diversified on the surface. Because only top‑10 ETF holdings are captured, the real overlap is probably a bit higher than shown. This isn’t necessarily bad—these companies have driven a lot of market gains—but it does mean performance is more tied to a relatively small group of giants than the fund list alone might suggest.
Factors
Factor exposure here is strikingly neutral across the board: value, size, momentum, quality, yield, and low volatility all sit near the 50% “market-like” mark. Factors are just characteristics that help explain returns—like whether a stock is cheap (value) or fast‑rising (momentum). A neutral profile means the portfolio behaves a lot like the broad market without strong tilts toward any particular style. That’s actually a positive for someone wanting a simple, diversified core: it avoids the extra ups and downs that come from leaning heavily into one factor. Performance will mostly be driven by overall markets rather than niche style bets.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 60.00% 61.7% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 25.8% -
Invesco NASDAQ 100 ETF
Weight: 10.00% 12.5%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from just its weight. The US total market fund is 60% of the portfolio but contributes about 62% of total risk—almost a one‑for‑one match. International stocks at 30% weight contribute roughly 26% of risk, slightly dampening volatility. The NASDAQ 100 slice is 10% by weight but 12.5% of risk, reflecting its growth and tech tilt. Nothing looks wildly disproportionate, but that small NASDAQ piece punches a bit above its weight. That’s fine as long as the higher‑octane role is intentional.
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 mix sits right on or very close to the efficient frontier. The efficient frontier is just the curve showing the best possible expected return for each risk level using these same holdings. Your portfolio’s Sharpe ratio of 0.59 is lower than the optimal Sharpe of 0.78, but that higher ratio comes with slightly higher volatility. Importantly, both the optimal and minimum‑variance options are quite close in risk and return to where you already are. The big takeaway: with these specific ETFs, the allocation is already making very efficient use of risk for the chosen level.
Dividends
- Invesco NASDAQ 100 ETF 0.50%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.55%
The overall dividend yield sits around 1.55%, combining a lower‑yielding NASDAQ 100 slice, a modest US yield, and a higher yield from international holdings. Dividends are just regular cash payments from companies, which can help smooth returns over time, especially when prices are flat. At this yield level, most of the long‑term growth is expected to come from price appreciation rather than income. For someone seeking cash flow, this is more of a growth‑oriented profile. For long‑term accumulators who reinvest dividends, even a modest yield can still add meaningfully to compounding over decades.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- 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) 0.05%
Costs are a clear strength: the total expense ratio (TER) of about 0.05% is extremely low. TER is the annual fee charged by funds, like a small percentage toll taken each year. Many broad market ETFs charge in this range, and you’re right at the best‑in‑class level, especially given the international and NASDAQ exposure. Low fees matter because they compound in your favor over time—every dollar not spent on costs stays invested. This setup is strongly aligned with best practices in long‑term investing, where minimizing friction is one of the few things directly under an investor’s control.
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