Globally diversified stock portfolio with strong US exposure and efficient low cost growth positioning
Report created on Aug 10, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 50.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 25.00% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 10.00% -
VX Vanguard Extended Market Index Fund ETF Shares
VXF - US9229086528 10.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 5.00%
This portfolio is a five‑ETF, 100% equity mix built around broad index funds. Half sits in a core US large‑cap ETF, with another quarter in international stocks, and the remaining quarter spread across US tech, extended market, and small‑cap value. That structure combines a mainstream “total market” foundation with a few targeted tilts. This kind of setup matters because broad funds often drive stability and predictability, while satellites add extra growth potential and nuance. Overall, the portfolio is both simple and purposeful: one dominant anchor position, one major diversifier outside the US, and three smaller, more specialized pieces that tweak exposure without making the structure overly complex or hard to follow.
Growth
Over the period from late 2019 to mid‑2026, $1,000 in this portfolio grew to about $2,792. That works out to a compound annual growth rate (CAGR) of 16.18%, which is just under the US market benchmark at 16.65% but ahead of the global benchmark at 14.13%. CAGR is like average speed on a road trip, smoothing out the bumps. The portfolio’s max drawdown was about -34.9% during early 2020, very similar to both benchmarks, and it recovered within about five months. That shows it has behaved like a typical growth‑oriented stock mix: strong returns, but with sharp temporary drops when markets fall. As always, past performance can’t guarantee future results.
Projection
The Monte Carlo simulation projects possible 15‑year paths based on how similar portfolios behaved in the past. It runs 1,000 randomized “what if” scenarios using the historical return and volatility pattern, then shows a range of outcomes. Here, the median result grows $1,000 to about $2,741, with a central band (25th–75th percentile) between roughly $1,891 and $4,331. The very wide 5th–95th range, $1,032 to $7,587, highlights just how uncertain markets can be. An average simulated return of about 8.15% per year reflects both good and bad years mixed together. These numbers are illustrations, not promises: they’re useful for understanding potential variability, not for predicting a specific future balance.
Asset classes
- Stocks 100%
Asset‑class exposure is straightforward here: 100% stocks, with no bonds or cash buffers in the allocation. That makes the portfolio fully tied to equity markets, which historically have offered higher long‑term returns but also deeper and more frequent drawdowns than mixed stock‑bond portfolios. Compared with a typical broad global equity benchmark, the stock‑only nature is similar, but many real‑world portfolios include some bonds to smooth volatility. Being all‑equity also means that any need for stability or liquidity would usually need to come from outside this portfolio. On the positive side, staying focused on stocks keeps the structure simple and transparent, with risk and return mainly driven by corporate earnings and equity market cycles.
Sectors
- Technology 37%
- Financials 14%
- Industrials 11%
- Consumer Discretionary 9%
- Health Care 8%
- Telecommunications 6%
- Consumer Staples 4%
- Energy 4%
- Basic Materials 3%
- Real Estate 2%
- Utilities 2%
Sector‑wise, this mix leans clearly toward technology at 37%, compared with a more moderate tech weight in many broad global benchmarks. Financials, industrials, consumer discretionary, and healthcare are all meaningfully represented, while more defensive areas like utilities and consumer staples sit in the low single digits. A tech‑heavy profile often benefits strongly when growth companies and digital themes lead the market, but can be more sensitive when interest rates rise or when investors rotate into more defensive or income‑oriented sectors. The positive here is that beyond technology, the remaining sectors are reasonably spread out, which helps avoid the entire portfolio turning on a single non‑tech industry cycle, even if tech remains the main driver.
Regions
- North America 77%
- Europe Developed 9%
- Asia Developed 5%
- Japan 4%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 77% of the portfolio is in North America, with the rest spread across developed Europe, Japan, developed Asia, and smaller allocations to emerging regions. That creates a noticeable US and North American bias relative to a pure world index, where the US is large but not quite this dominant. Heavy exposure to one region ties results closely to that region’s economy, currency, and policy environment. The international slice, at roughly a quarter via the total international ETF, does add meaningful diversification across countries and currencies. This balance has worked well in a period when US markets outperformed, but it also means the portfolio’s fortunes remain heavily linked to the North American market’s long‑term path.
Market capitalization
- Mega-cap 39%
- Large-cap 27%
- Mid-cap 17%
- Small-cap 9%
- Micro-cap 5%
The portfolio has a strong tilt toward bigger companies, with about 39% in mega‑caps and another 27% in large‑caps, while mid‑caps, small‑caps, and micro‑caps fill the remainder. That’s fairly similar to broad market capitalization‑weighted indices, where the biggest firms dominate. Larger companies often bring more stable earnings and deeper liquidity, which can dampen some volatility day to day. At the same time, the meaningful exposure to smaller firms (roughly 14% combined in small and micro‑caps) provides growth optionality and a different return pattern. This blend creates a market‑like backbone with a slight extension into smaller, more nimble businesses, helping the portfolio capture a wide range of company sizes without straying far from global norms.
True holdings
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NV NVIDIA Corporation 5.37%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AA Apple Inc. 4.73%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 2.98%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 1.81%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.77%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.63%
Part of fund(s):- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 1.51%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.30%
Part of fund(s):- Vanguard S&P 500 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.06%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.96%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 23.10%
Looking through ETF top‑10 holdings, several mega‑cap names appear repeatedly, with NVIDIA, Apple, and Microsoft together accounting for a noticeable slice of the portfolio. Because these companies sit in multiple funds, their true influence is higher than any single ETF’s weight might suggest. This kind of overlap creates “hidden” concentration: if one of these large names has a big move, several parts of the portfolio often react at once. The current coverage only reflects ETF top‑10 holdings, so actual overlap is likely understated, especially for broad funds. Still, the data makes it clear that a relatively small group of large technology‑related stocks are key drivers of performance, both on the upside and the downside.
Factors
Factor exposure here is broadly neutral across all six measured dimensions: value, size, momentum, quality, low volatility, and yield all sit close to 50%, which represents the market average. Factors are like underlying “personality traits” of stocks that research has linked to returns, such as cheapness (value) or trend strength (momentum). A neutral profile means the portfolio behaves much like a broad market index, without strong tilts toward any particular style. That can be helpful for keeping outcomes aligned with standard benchmarks and avoiding strong boom‑bust cycles tied to a single factor. At the same time, it means the portfolio isn’t explicitly leaning into any one researched return driver more than a typical market‑weighted approach would.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 48.7% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 25.00% 21.4% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 10.00% 12.5% -
Vanguard Extended Market Index Fund ETF Shares
Weight: 10.00% 11.7% -
Avantis® U.S. Small Cap Value ETF
Weight: 5.00% 5.8%
Risk contribution shows how much each holding adds to the portfolio’s overall ups and downs, which can differ from its weight. Here, the 50% S&P 500 position contributes about 49% of total risk, almost exactly in line with its size. The 25% international position contributes a bit less risk than its weight, while the three satellite funds together add somewhat more risk than their combined 25% share. Notably, the top three holdings by weight drive about 82.6% of total portfolio volatility. That pattern is common in equity portfolios: the big core positions dominate overall behavior, and smaller, more volatile pieces act as amplifiers rather than the main source of risk.
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, this portfolio sits on or very close to the efficient frontier, which is the curve showing the best possible return for each risk level using the existing holdings. The Sharpe ratio, a measure of risk‑adjusted return comparing excess return to volatility, is 0.64 for the current mix. The minimum variance version has a slightly higher Sharpe at lower risk, while the optimal Sharpe portfolio boosts both risk and return. The key takeaway is that, given these five ETFs, the current weights are already quite efficient: you’re not leaving a big gap between your actual point and what’s mathematically possible with the same ingredients, even if different combinations could slightly shift the balance between risk and return.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.20%
- Vanguard Information Technology Index Fund ETF Shares 0.40%
- Vanguard S&P 500 ETF 1.00%
- Vanguard Extended Market Index Fund ETF Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.50%
- Weighted yield (per year) 1.32%
The portfolio’s overall dividend yield is about 1.32%, with the highest‑yielding piece being the international equity fund and the lowest being the tech ETF. Yield here represents annual cash payouts as a percentage of current value, a smaller component of total return than price growth for a growth‑tilted stock portfolio. This level of income is typical for a mix of US and global equities that leans toward technology and growth, where companies often reinvest earnings rather than pay high dividends. In practice, that means most of the portfolio’s long‑term result will likely come from capital appreciation, with dividends adding a modest but steady layer of return that can help slightly cushion volatility over time.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Extended Market Index Fund ETF Shares 0.06%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.06%
Costs are a clear strength. The weighted ongoing charge (TER) is about 0.06% per year, which is extremely low by industry standards for a multi‑fund global equity portfolio. Fees work like friction: even small percentages compound over time. Keeping them this low helps more of the portfolio’s gross return show up in your actual results. The largest position is in one of the cheapest ETFs, which reinforces this benefit. While costs alone don’t determine performance, starting from such a lean fee structure is a strong foundation, especially for a long‑term buy‑and‑hold approach, because less money is being siphoned off to fund providers every year as the portfolio grows.
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