Globally diversified growth portfolio with strong recent returns and a small tilt to alternative assets
Report created on May 28, 2026Risk profile
5/7
Diversification profile
4/5
Positions
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SP SPDR S&P 500 ETF Trust
SPY - US78462F1030 45.00% -
VE Vanguard FTSE Developed Markets Index Fund ETF Shares
VEA - US9219438580 35.00% -
GG Grupo Financiero Galicia SA ADR
GGAL - US3999091008 5.00% -
ME MercadoLibre Inc.
MELI - US58733R1023 5.00% -
TB Rbb Fund Inc - Us Treasury 3 Month Bill ETF
TBIL - US74933W4520 5.00% -
GL SPDR® Gold Shares
GLD - US78463V1070 2.50% -
BT Bitcoin
BTC 2.50%
This portfolio is built mainly from broad stock ETFs, with a few targeted positions and small diversifiers. Around four-fifths sits in two large index funds covering US and developed international equities, which form the core growth engine. Then there are two individual Latin American stocks and a short-term Treasury-bill ETF, plus small allocations to gold and Bitcoin. This structure mixes simple index exposure with a couple of focused company bets and a modest slice of defensive and alternative assets. It behaves mostly like a global equity portfolio, but the stock picks and crypto position can create extra bumps, both up and down, versus a plain index-only approach.
Growth
Over the period from August 2022 to May 2026, $1,000 in this portfolio grew to about $2,152. That translates into a compound annual growth rate (CAGR) of 22.54%, meaning the value increased roughly 22.5% per year on average, like the average speed of a car over a long trip. This comfortably beat both the US market and a global market benchmark. The maximum drawdown was about -19%, similar to the benchmarks, showing that while returns were higher, downside swings were in the same ballpark. Only 21 days produced 90% of returns, underlining how a handful of strong days can drive long-term performance.
Projection
The Monte Carlo projection uses the portfolio’s historical ups and downs to simulate 1,000 possible 15‑year futures. It shakes the past data like a dice cup, randomly reordering returns to see a range of outcomes. The median scenario turns $1,000 into about $2,739, with a broad “likely” band from roughly $1,856 to $4,128. In more extreme but still plausible paths, the ending value ranges from just under $1,000 to around $7,600. The average simulated annual return is about 8%. These are illustrations, not promises: markets change, and past volatility patterns may not repeat in the same way.
Asset classes
- Stocks 90%
- Other 8%
- Crypto 3%
Roughly 90% of the portfolio is in stocks, with about 8% in “other” assets like short-term Treasuries and gold, and around 3% in crypto. This means the portfolio’s main driver is still equity markets, which historically have offered higher long-term growth but with more noticeable swings. The smaller slice in Treasuries introduces a cash-like stabilizer, while gold and Bitcoin add exposure that doesn’t always move in step with stocks. A structure like this keeps the focus firmly on growth assets, with just a thin layer of potential ballast and alternatives around the edges.
Sectors
- Technology 22%
- Financials 18%
- Consumer Discretionary 12%
- Industrials 10%
- Health Care 7%
- Telecommunications 6%
- Consumer Staples 4%
- Energy 3%
- Basic Materials 3%
- Crypto 3%
- Utilities 2%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Sector-wise, the portfolio is spread across many parts of the economy, with technology, financials, and consumer discretionary making up the largest shares, and smaller allocations to areas like utilities and real estate. This pattern is broadly similar to major global equity benchmarks, which is a good sign for diversification across business types. Tech and consumer-linked sectors can react more sensitively to interest rates and economic expectations, so they often drive performance in both directions. The balanced presence of defensive sectors like health care and staples provides some counterweight when growth-oriented areas temporarily fall out of favor.
Regions
- North America 49%
- Europe Developed 17%
- Japan 7%
- Latin America 5%
- No data 5%
- Asia Developed 4%
- Australasia 2%
This breakdown covers the equity portion of your portfolio only.
Geographically, about half of the portfolio is in North America, with meaningful exposure to Europe, Japan, and other developed regions, plus a clear slice in Latin America via the individual stocks. This is closer to a global spread than a pure US-only approach, and it lines up reasonably well with world equity benchmarks that are also US-tilted but not exclusively. The result is that portfolio returns are influenced by several major economies rather than just one. Currency moves and regional economic cycles can still create differences, but the overall structure reduces reliance on a single country’s market.
Market capitalization
- Mega-cap 38%
- Large-cap 31%
- Mid-cap 19%
- No data 3%
- Small-cap 2%
This breakdown covers the equity portion of your portfolio only.
By company size, the portfolio leans heavily toward mega-cap and large-cap stocks, with more modest exposure to mid-caps and only a small amount in small-caps. Large and mega companies tend to be more established and liquid, which often means more stability and tighter trading spreads compared with smaller firms. The smaller slice in small-caps limits exposure to the more extreme volatility they can bring, while still allowing some participation. Overall, this size mix is similar to broad global benchmarks, which are naturally dominated by the largest listed companies in the world.
True holdings
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-
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NV NVIDIA Corporation 3.76%
Part of fund(s):- SPDR S&P 500 ETF Trust
-
AA Apple Inc 3.16%
Part of fund(s):- SPDR S&P 500 ETF Trust
-
MS Microsoft Corporation 2.19%
Part of fund(s):- SPDR S&P 500 ETF Trust
-
AM Amazon.com Inc 1.85%
Part of fund(s):- SPDR S&P 500 ETF Trust
-
GO Alphabet Inc Class A 1.59%
Part of fund(s):- SPDR S&P 500 ETF Trust
-
AV Broadcom Inc 1.39%
Part of fund(s):- SPDR S&P 500 ETF Trust
-
GO Alphabet Inc Class C 1.26%
Part of fund(s):- SPDR S&P 500 ETF Trust
-
ME Meta Platforms Inc. 0.94%
Part of fund(s):- SPDR S&P 500 ETF Trust
- Top 10 total 26.13%
This breakdown covers the equity portion of your portfolio only.
Looking through the ETFs to their top holdings, the portfolio’s largest indirect exposures are to familiar global giants like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, and Meta. These appear only via the index funds, not as separate stock positions, so overlap is moderate and mostly expected for broad market ETFs. Hidden concentration is limited: no single company dominates once you combine direct and ETF exposure. The two Latin American stocks, held directly at 5% each, stand out as sizable individual positions compared with the diversified ETF components. Note that only ETF top‑10 holdings are included, so some overlap beyond that isn’t captured.
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 across value, size, momentum, quality, yield, and low volatility all sit in the “neutral” range, clustered around the 50% mark. Factors are like underlying ingredients that help explain why returns behave a certain way over time, such as cheapness (value) or stability (low volatility). A neutral profile means the portfolio behaves a lot like the broad market on these dimensions, without strong tilts toward any one style. This can be helpful for keeping behavior predictable relative to global indices, as performance is less likely to stray dramatically due to concentrated bets on a specific factor theme.
Risk contribution
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SPDR S&P 500 ETF Trust
Weight: 45.00% 44.1% -
Vanguard FTSE Developed Markets Index Fund ETF Shares
Weight: 35.00% 33.0% -
Grupo Financiero Galicia SA ADR
Weight: 5.00% 10.6% -
MercadoLibre Inc.
Weight: 5.00% 7.9% -
Bitcoin
Weight: 2.50% 3.5% - Top 5 risk contribution 99.1%
Risk contribution shows how much each holding adds to overall portfolio ups and downs, which can differ from its weight. Here, the S&P 500 and developed markets ETFs together are about 80% of the portfolio and contribute roughly 77% of the risk, so their impact is broadly proportional. The standout is Grupo Financiero Galicia: it’s 5% of the portfolio but contributes over 10% of total risk, more than double its weight. MercadoLibre and Bitcoin also add more risk than their sizes alone suggest. This highlights how a few smaller but more volatile positions can punch above their weight in driving overall fluctuations.
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 chart compares risk and return of different mixes of your existing holdings. Here, the current portfolio has a Sharpe ratio of 1.1, which measures return per unit of risk above the risk-free rate. The model shows that, using only these same positions, a different weighting could sit on the efficient frontier with a better risk/return balance at this volatility level. The gap of just over 8 percentage points suggests the current mix is somewhat riskier relative to its expected reward than necessary. It’s worth noting the “optimal” and minimum-variance points are extremely low-risk, reflecting how the math reacts to today’s high risk-free rate.
Dividends
- Grupo Financiero Galicia SA ADR 4.90%
- SPDR S&P 500 ETF Trust 1.00%
- Rbb Fund Inc - Us Treasury 3 Month Bill ETF 3.90%
- Vanguard FTSE Developed Markets Index Fund ETF Shares 2.60%
- Weighted yield (per year) 1.80%
The overall dividend yield is about 1.8%, coming from a mix of equity ETFs, the dividend-paying bank stock, and the Treasury-bill ETF. Dividend yield is the cash income paid out each year as a percentage of the current portfolio value, separate from price changes. Here, most of the heavy lifting still comes from capital growth rather than income. The Treasury ETF’s relatively higher yield provides a modest income anchor, while the broad equity ETFs pay smaller but steady dividends in line with global markets. For a growth-tilted portfolio, a moderate yield like this is quite typical.
Ongoing product costs
- SPDR® Gold Shares 0.40%
- SPDR S&P 500 ETF Trust 0.10%
- Rbb Fund Inc - Us Treasury 3 Month Bill ETF 0.15%
- Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.08%
The portfolio’s total expense ratio (TER) is around 0.08%, which is impressively low. TER is the annual fee charged by funds as a percentage of assets, quietly deducted in the background. Here, costs are kept down by using large, low-cost index ETFs for the core holdings. The gold ETF is somewhat pricier, but it’s a small slice of the total, so it barely moves the needle. Keeping fees this low is a real structural advantage: even small percentage differences compound over time. This fee level is highly competitive compared with many actively managed funds or more complex strategies.
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