Concentrated all stock Vanguard blend with strong historic growth and moderate global diversification
Report created on Apr 22, 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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VS VANGUARD STRATEGIC EQUITY FUND INVESTOR SHARES
VSEQX - US9220381043 34.37% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 29.06% -
VU Vanguard Growth Index Fund ETF Shares
VUG - US9229087369 15.13% -
VW VANGUARD WINDSOR II FUND ADMIRAL SHARES
VWNAX - US9220183043 14.13% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 7.31%
This portfolio is fully invested in stocks through five Vanguard funds: three index ETFs and two active mutual funds. The largest holding is a strategic equity mutual fund at about a third of the portfolio, followed by a broad international ETF at just under a third. The remaining third is split between a US growth ETF, a US value-oriented mutual fund, and a total US stock market ETF. Structurally this is a relatively compact lineup, relying on a handful of diversified funds rather than many small positions. That simplicity can make the portfolio easier to monitor and understand, because most of the behavior is driven by a few well-known building blocks rather than a long tail of niche holdings.
Growth
From 2016 to 2026, a hypothetical $1,000 in this portfolio grew to about $3,816, implying a Compound Annual Growth Rate (CAGR) of 14.4%. CAGR is like the average speed on a long road trip, smoothing out all the bumps along the way. Over the same period, the US market grew slightly faster at 14.82%, while the global market was lower at 12.21%. So the portfolio lagged the US but beat the broader world index. The worst peak-to-trough drop was around -37%, a bit deeper than both benchmarks. That pattern—strong long-term growth with sharp but recoverable drawdowns—fits a growth‑oriented, all‑equity structure.
Projection
The Monte Carlo projection uses the portfolio’s past ups and downs to simulate many possible 15‑year futures. Think of it as running 1,000 alternate timelines where returns vary randomly based on historical patterns. The median outcome turns $1,000 into about $2,710, with a central “likely” range from roughly $1,800 to $4,100 and more extreme paths stretching wider. The average annual return across all simulations is about 7.97%, notably below the historical 14.4%, reflecting more conservative assumptions. Importantly, these are not predictions, just scenarios built from past behavior. Markets can change, and any shock unlike the past would not be fully captured in these simulations.
Asset classes
- Stocks 100%
All of this portfolio sits in a single asset class: equities. That creates a focused exposure to stock market growth, without the stabilizing influence of bonds or cash-like assets. A 100% stock allocation typically means higher expected long‑term returns but also larger short‑term swings, especially during market stress. Compared with many multi‑asset benchmarks that mix stocks and bonds, this portfolio intentionally sits at the higher‑risk, higher‑return end of the spectrum. Within equities, the mix of domestic and international funds still brings meaningful internal diversification, but it does not soften overall volatility the way adding different asset classes would.
Sectors
- Technology 24%
- Financials 16%
- Industrials 13%
- Health Care 10%
- Telecommunications 7%
- Consumer Discretionary 5%
- Consumer Discretionary 5%
- Basic Materials 4%
- Energy 4%
- Consumer Staples 4%
- Real Estate 3%
- Utilities 3%
Sector exposure is fairly broad, with technology at about 24% and financials at 16%, followed by industrials and healthcare. This looks broadly similar to a typical global equity mix, though tech sits at the higher end, which is common in modern stock portfolios given the size of large tech and chip companies. Sector balance matters because different parts of the economy lead at different times; for example, rate changes can hit financials and rate‑sensitive growth sectors differently. Here, the spread across sectors—plus meaningful allocations to areas like industrials, healthcare, and communications—supports diversification rather than relying on just one theme.
Regions
- North America 71%
- Europe Developed 12%
- Asia Developed 5%
- Japan 5%
- Asia Emerging 4%
- Australasia 1%
- Latin America 1%
- Africa/Middle East 1%
Geographically, around 71% of the portfolio is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and a smaller slice in emerging regions. This is higher than a classic global market-cap mix, which usually has a bit less North America and more non‑US exposure. That US tilt has been beneficial in the last decade, given US outperformance, and the portfolio still holds a meaningful 29% outside North America. Geographic spread matters because economies, currencies, and policy environments differ; a portfolio like this is anchored in the US but not entirely dependent on it, which helps balance concentration risk.
Market capitalization
- Mega-cap 29%
- Mid-cap 25%
- Large-cap 19%
- Small-cap 18%
- Micro-cap 6%
The market cap breakdown shows 29% in mega‑caps, 19% in large‑caps, 25% in mid‑caps, 18% in small‑caps, and 6% in micro‑caps. That is a nicely layered exposure across the size spectrum, with a slightly stronger presence in mid and small companies than a pure mega‑cap dominated index. Company size can influence behavior: larger firms tend to be more stable and closely watched, while smaller firms can move more sharply but often provide different growth drivers. This blend means the portfolio is not overly reliant on the very biggest names, yet still benefits from their liquidity and global significance alongside a meaningful smaller‑company component.
True holdings
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NV NVIDIA Corporation 2.48%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 2.30%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 1.69%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.03%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.00%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
AM Amazon.com Inc 0.93%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 0.84%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 0.82%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.77%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 0.65%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 12.51%
Looking through to ETF top‑10 holdings, several big names appear: NVIDIA, Apple, Microsoft, both Alphabet share classes, Amazon, Meta, Tesla, Broadcom, and TSMC. Each individual stock is a small percentage on its own, with the largest around 2.5%, but some appear in multiple funds, creating hidden overlap. For example, Apple and Microsoft show up across broad US and growth ETFs, subtly boosting their overall portfolio impact. Because only ETF top‑10 positions are captured, actual overlap is likely higher than reported. This kind of concentration in a handful of global giants is very common in modern equity portfolios and mainly reflects their large index weights.
Factors
Factor exposures are generally close to neutral across value, momentum, quality, yield, and low volatility, with size standing out mildly elevated at 65%. Factors describe underlying traits—like whether holdings lean toward smaller companies (size) or steady earnings (quality)—that research links to long‑term returns. A “neutral” reading means the portfolio behaves much like the broad market on that dimension. The slightly higher size score suggests a modest tilt toward smaller firms versus a pure mega‑cap market index, consistent with the market‑cap breakdown. Overall, this is a well‑balanced factor profile, without big swings toward any one style or theme.
Risk contribution
-
VANGUARD STRATEGIC EQUITY FUND INVESTOR SHARES
Weight: 34.37% 38.7% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 29.06% 24.8% -
Vanguard Growth Index Fund ETF Shares
Weight: 15.13% 15.9% -
VANGUARD WINDSOR II FUND ADMIRAL SHARES
Weight: 14.13% 13.4% -
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 7.31% 7.1%
Risk contribution shows how much each holding adds to total portfolio volatility—like noticing which instruments are loudest in an orchestra. The strategic equity fund, at 34% weight, contributes almost 39% of total risk, so it pulls a bit more than its share. The international index fund contributes slightly less risk than its weight, and the growth ETF, Windsor II, and total market ETF all add risk roughly in line with their sizes. The top three positions drive about 80% of overall risk, which makes sense given their combined weight. This concentration is normal for a compact lineup but means portfolio behavior is dominated by these key funds.
Redundant positions
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High correlationVanguard Total Stock Market Index Fund ETF SharesVanguard Growth Index Fund ETF Shares
The correlation view highlights that the total US stock market ETF and the US growth ETF move almost identically. Correlation measures how often assets move together; a score near 1 means they tend to rise and fall in sync. This is expected because both track overlapping slices of the US equity universe, just with different tilts. High correlation reduces diversification benefits between those two positions, since they respond similarly to market shocks. In practice, that means they collectively function like a more growth‑tilted extension of the US market exposure, rather than behaving as distinct, offsetting pieces during volatile periods.
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‑return chart compares this portfolio to the “efficient frontier,” which shows the best possible return for each risk level using only these existing holdings in different weights. The current mix has a Sharpe ratio of 0.59, versus 1.05 for the optimal combination and 0.70 for the minimum‑variance mix. Sharpe ratio is a simple way to measure return per unit of risk, after accounting for a risk‑free rate. Being about 4.7 percentage points below the frontier suggests the same five funds could, in theory, be combined in a way that improves risk‑adjusted returns without adding new investments, purely by reweighting.
Dividends
- VANGUARD STRATEGIC EQUITY FUND INVESTOR SHARES 10.00%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Growth Index Fund ETF Shares 0.40%
- VANGUARD WINDSOR II FUND ADMIRAL SHARES 11.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 5.96%
The portfolio’s overall dividend yield is estimated around 5.96%, which is relatively high for an equity‑only mix. The two active mutual funds show especially elevated yields, while the US growth ETF has a very low payout, reflecting its focus on companies that tend to reinvest earnings rather than distribute cash. Dividends matter because they can form a meaningful part of total return over time, especially when reinvested. At the same time, unusually high reported yields may include special or non‑recurring payments and can fluctuate notably from year to year, so they are best viewed as approximate and not guaranteed income levels.
Ongoing product costs
- VANGUARD STRATEGIC EQUITY FUND INVESTOR SHARES 0.17%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Growth Index Fund ETF Shares 0.04%
- VANGUARD WINDSOR II FUND ADMIRAL SHARES 0.24%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.12%
The average ongoing cost (TER) across holdings is about 0.12% per year, which is impressively low for a portfolio combining index ETFs with active funds. TER, or Total Expense Ratio, is the annual fee charged by funds, quietly deducted from returns—like a small service charge. Here, the two active funds cost more than the index ETFs, but the overall blended cost remains well below many actively managed equity portfolios. Keeping costs modest supports better long‑term compounding, because less return is shaved off each year. This low‑fee structure is a clear strength and provides a solid foundation for the portfolio’s growth potential.
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