Efficient global stock heavy portfolio with strong income tilt and broadly diversified core building blocks

Report created on Apr 16, 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

This portfolio is built mainly from broad index ETFs, with about 95% in stocks and 5% in bonds. The bulk is split across total US market, a large-cap US index, and a broad international fund, plus a small slice in a Nasdaq-based income ETF. This structure keeps things simple while still spreading money across thousands of companies. A mostly stock portfolio like this will swing up and down more than a bond-heavy mix, but it also has more growth potential. For someone with a balanced-but-growth-leaning profile, this kind of core index setup is a solid, easy-to-manage foundation.

Growth Info

Over the recent period, $1,000 grew to about $1,683, which works out to a 23.82% compound annual growth rate (CAGR). CAGR is like average speed on a road trip — it smooths out the bumps to show the overall pace. This return slightly lagged both US and global market benchmarks, but with a smaller maximum drawdown than the US market and very close to the global drawdown. That means you captured most of the upside with slightly less pain on the downside. Just remember this is a short, unusually strong period; such high returns and patterns shouldn’t be expected every year.

Projection Info

The Monte Carlo projection uses historical return and volatility patterns to simulate thousands of possible 15‑year paths for $1,000. Think of it like running weather forecasts many times to see a range of possible outcomes, not a single prediction. The median outcome of about $2,702 suggests a reasonable growth path, with a wide but realistic range from roughly flat to several multiples of the starting value. Around three-quarters of simulations end positive, but that still leaves meaningful downside possibilities. The key takeaway is that outcomes cluster around moderate long-term growth, yet there’s enough uncertainty that staying invested and mentally prepared for big swings really matters.

Asset classes Info

  • Stocks
    95%
  • Bonds
    5%

With 95% in stocks and 5% in bonds, the asset mix is clearly geared toward growth, not capital stability. Balanced investors often hold more bonds, but your tiny bond position still helps dampen volatility a bit. Bonds historically act like shock absorbers when stocks drop, though that isn’t guaranteed in every downturn. This allocation is well-balanced toward long-term growth but will feel more like an equity portfolio than a “classic” balanced mix. Anyone using a setup like this should be comfortable seeing sizable drawdowns during bad markets and able to leave the portfolio alone through those periods.

Sectors Info

  • Technology
    27%
  • Financials
    14%
  • Industrials
    11%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Health Care
    8%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is led by technology at 27%, with financials, industrials, and consumer areas making up much of the rest. This pattern looks broadly similar to major global indexes, which is a good sign for diversification. A tech-tilt tends to boost returns in growth-friendly environments but can be more sensitive when interest rates rise or when markets rotate into more defensive areas. The good news is no single sector dominates excessively, and smaller allocations to areas like energy, utilities, and real estate help spread risk. Overall, the sector mix aligns well with broad market standards, which supports a resilient long-term structure.

Regions Info

  • North America
    63%
  • Europe Developed
    13%
  • Japan
    5%
  • Asia Developed
    5%
  • Asia Emerging
    5%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 63% of the equity exposure is in North America, with the rest spread across Europe, Japan, other developed Asia, and emerging regions. That’s fairly close to global market weights and typical for a US-based investor. Having most exposure at home feels familiar and lines up with the size of the US market, but meaningful allocations overseas help diversify different economies, policy regimes, and currencies. This balance is a real strength: it avoids both extreme home bias and over-complication. Over time, that global spread can smooth out bumps when one region underperforms or faces unique economic challenges.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    30%
  • Mid-cap
    16%
  • Small-cap
    3%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

Market cap exposure is dominated by mega-cap and large-cap companies, together making up over 70% of the portfolio. Mid-caps and small caps appear but are more modest slices. Bigger companies tend to be more stable and widely followed, which can reduce individual company blow‑ups but make the portfolio more tied to the fate of a few market giants. The smaller allocation to mid and small caps means less exposure to some of the more explosive growth (and risk) that comes from those segments. This large‑cap heavy structure is very typical of index-based portfolios and provides a steady core risk profile.

True holdings Info

  • NVIDIA Corporation
    4.24%
    Part of fund(s):
    • Goldman Sachs Nasdaq-100 Core Premium Income ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    3.89%
    Part of fund(s):
    • Goldman Sachs Nasdaq-100 Core Premium Income ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    2.90%
    Part of fund(s):
    • Goldman Sachs Nasdaq-100 Core Premium Income ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    2.09%
    Part of fund(s):
    • Goldman Sachs Nasdaq-100 Core Premium Income ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    1.80%
    Part of fund(s):
    • Goldman Sachs Nasdaq-100 Core Premium Income ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    1.51%
    Part of fund(s):
    • Goldman Sachs Nasdaq-100 Core Premium Income ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    1.48%
    Part of fund(s):
    • Goldman Sachs Nasdaq-100 Core Premium Income ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    1.47%
    Part of fund(s):
    • Goldman Sachs Nasdaq-100 Core Premium Income ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    1.27%
    Part of fund(s):
    • Goldman Sachs Nasdaq-100 Core Premium Income ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.20%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Top 10 total 21.85%

Looking through the ETFs, the top underlying exposures cluster heavily in mega-cap tech and tech-adjacent names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Meta. These companies show up across several funds, so their true influence is bigger than any single ETF’s weight suggests. This kind of overlap is normal in broad index portfolios, especially ones tilted to the US. It does mean portfolio performance is quite sensitive to a small group of huge companies. If those giants do very well, the portfolio benefits; if they hit a rough patch, the overall value will feel it more than the fund list alone might imply.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 95%
Size
Exposure to smaller companies
Neutral
Data availability: 95%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 95%
Quality
Preference for financially healthy companies
Neutral
Data availability: 95%
Yield
Preference for dividend-paying stocks
High
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 100%

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 shows a mostly neutral stance on value, size, momentum, and quality, meaning the portfolio behaves broadly like the overall market on those dimensions. The notable tilts are toward yield and low volatility. Yield exposure is higher than average, helped by the bond fund and the income-focused Nasdaq ETF, so a larger slice of total return comes from regular cash flows. The low volatility tilt suggests a bias toward stocks that historically bounced around less than the market. Together, these tilts support a smoother ride and stronger income without dramatically changing the core growth-focused nature of the portfolio.

Risk contribution Info

  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 35.00%
    33.7%
  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 25.00%
    27.6%
  • Vanguard S&P 500 ETF
    Weight: 25.00%
    26.5%
  • Goldman Sachs Nasdaq-100 Core Premium Income ETF
    Weight: 10.00%
    11.8%
  • Vanguard Total Bond Market Index Fund ETF Shares
    Weight: 5.00%
    0.4%

Risk contribution shows how much each holding drives overall ups and downs, which can differ from its weight. Here, the three big equity building blocks — US total market, S&P 500, and international stocks — make up about 85% of the weight and contribute nearly 88% of the risk. That’s actually quite proportionate, which is a good sign. The bond fund is 5% of the portfolio but only about 0.4% of the total risk, acting as a stabilizer. None of the positions has a wildly outsized risk footprint versus its size, so the risk distribution lines up well with the intended allocations.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    Goldman Sachs Nasdaq-100 Core Premium Income ETF
    High correlation

The correlation data shows that the US equity pieces — S&P 500, total US market, and the Nasdaq income ETF — move very closely together. Correlation describes how assets move relative to each other; when it’s high, they tend to go up and down at the same time. That means within the US sleeve, there’s less diversification benefit than the number of tickers might suggest. However, the presence of broad international stocks and a bond fund still adds diversification at the total portfolio level. In practice, the portfolio will feel like a unified equity bet, mainly driven by broad US stock market movements.

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 analysis shows the current portfolio sitting on or very near the frontier, with a Sharpe ratio of 1.31. The Sharpe ratio measures return per unit of risk, using a risk‑free rate as a baseline — higher is better. The optimal mix of these same holdings could slightly improve risk‑adjusted returns, but it would also lower total return and risk quite a bit. Since you’re already close to the efficient frontier, the current allocation is using its building blocks effectively. Any future tweaks can focus more on comfort with volatility and time horizon than on squeezing out efficiency.

Dividends Info

  • Vanguard Total Bond Market Index Fund ETF Shares 3.90%
  • Goldman Sachs Nasdaq-100 Core Premium Income ETF 10.00%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 2.72%

The overall dividend yield is around 2.72%, helped significantly by the bond ETF and especially the high‑yield Nasdaq income ETF at around 10%. Dividend yield is the annual cash payout as a percentage of the investment, and it can be a meaningful part of total return, particularly for income‑minded investors. Just remember that very high yields can come with trade‑offs, like option strategies or giving up some upside. The rest of the holdings have moderate yields in line with broad markets, which adds a steady but not overwhelming income stream. Together, this mix provides a nice blend of growth and cash flow.

Ongoing product costs Info

  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • Goldman Sachs Nasdaq-100 Core Premium Income ETF 0.29%
  • Vanguard S&P 500 ETF 0.03%
  • 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%

Total ongoing costs are impressively low at about 0.06% per year. The bulk of the portfolio sits in ultra‑low‑fee index ETFs, with only the Nasdaq income fund charging noticeably more — and it’s still modest compared with many active strategies. Costs might seem small, but because they are charged every year, they compound and can meaningfully drag on performance over decades. Here, the fee structure is a major positive: it keeps more of the market’s return in the investor’s pocket. This cost profile is very much aligned with best practices for long-term, diversified investing.

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