Broad global stock portfolio with a tech tilt and modest bond cushion for growth-oriented investors
Report created on Apr 26, 2026Risk profile
5/7
Diversification profile
4/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 40.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30.00% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 20.00% -
BN Vanguard Total Bond Market Index Fund ETF Shares
BND - US9219378356 10.00%
This portfolio is built from four broad index ETFs and is heavily stock-focused. About 40% sits in a total US stock fund, 30% in a total international stock fund, 20% in a dedicated technology fund, and 10% in a broad bond fund. So 90% is in equities, 10% in bonds, matching its “growth” risk label. Using low-cost index funds keeps the structure simple and transparent. A composition like this tends to move largely with global stock markets, with an extra boost from the tech slice. The small bond piece acts more as a cushion than a core stabilizer, so overall behavior is still dominated by equity ups and downs.
Growth
From 2016 to early 2026, a hypothetical $1,000 in this mix grew to about $4,080. That implies a compound annual growth rate (CAGR) of 15.16%, which means average yearly growth similar to a car’s average speed over a long trip. This slightly beat the US market benchmark and clearly outpaced the global market benchmark. The worst drop, or max drawdown, was about -31.5% during early 2020, a sharp but relatively quick recovery in four months. That’s meaningful: it shows the portfolio can fall hard in stressed markets, but historically bounced back. Only 38 days made up 90% of returns, highlighting how a handful of strong days drove much of the long-term outcome.
Projection
The Monte Carlo projection looks forward 15 years by running 1,000 simulated return paths using patterns from past data. Think of it as rolling the dice many times on how markets could behave, not as a prediction. In these simulations, $1,000 most often ended around $2,659, with a wide “likely” range from roughly $1,780 to $3,956. Extreme but still plausible outcomes went from just above breaking even to more than seven times the starting value. The chance of finishing positive was about 73%. This illustrates both the potential for growth and the uncertainty: future paths can differ a lot from historical averages.
Asset classes
- Stocks 90%
- Bonds 10%
Across asset classes, the portfolio is 90% stocks and 10% bonds, which is fairly aggressive compared with many “balanced” mixes that hold much more fixed income. Stocks are the main growth engine but also the main source of volatility, like driving faster on a highway. Bonds usually act as shock absorbers, smoothing bumps when equities fall. Here, the 10% bond allocation offers some dampening but won’t fully offset large equity swings. Relative to broad global benchmarks that include more bonds and cash, this asset split leans intentionally toward long-term growth, accepting bigger short-term ups and downs as the trade-off.
Sectors
- Technology 37%
- Financials 12%
- Industrials 9%
- Consumer Discretionary 7%
- Health Care 6%
- Telecommunications 5%
- Consumer Staples 4%
- Energy 3%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Sector-wise, technology stands out at around 37% of equity exposure, well above typical global benchmarks where tech is important but not quite this dominant. Financials, industrials, consumer-related areas, health care, and other sectors are all present but at smaller weights, creating reasonable breadth outside tech. A tech-heavy mix can benefit strongly when growth and innovation stocks are in favor, especially in low-rate or optimism-driven environments. On the flip side, technology can be more sensitive when interest rates rise or when markets rotate toward more defensive areas. The overall sector profile is diversified but clearly tilted toward growth-oriented companies.
Regions
- North America 62%
- Europe Developed 11%
- Japan 5%
- Asia Developed 4%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, about 62% of the portfolio sits in North America, with the rest spread across developed Europe, Japan, other developed Asia, and various emerging regions. This means the portfolio is anchored in the US and neighboring markets, which is common for many global equity mixes and roughly in line with global market weights. Exposure to Europe, Japan, and emerging Asia adds different economic cycles, currencies, and policy environments, which can help diversification. Still, North American performance will heavily influence overall results. This alignment with broad global patterns is generally helpful for avoiding extreme home-country concentration or regional blind spots.
Market capitalization
- Mega-cap 40%
- Large-cap 27%
- Mid-cap 15%
- Small-cap 5%
- Micro-cap 2%
This breakdown covers the equity portion of your portfolio only.
By market capitalization, the portfolio leans toward mega-cap and large-cap stocks, which together make up over two-thirds of exposure. Mid-caps, small-caps, and micro-caps are present but in clearly smaller slices. Larger companies tend to be more established, with deeper liquidity and more analyst coverage, which often leads to somewhat more stable price behavior than very small firms. Smaller companies, while more volatile, can at times deliver stronger growth in certain cycles. This size mix is quite similar to broad global equity indexes, meaning the portfolio behaves a lot like the overall market rather than making a strong bet on tiny high-risk companies.
True holdings
-
NV NVIDIA Corporation 6.27%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 5.54%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.79%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.81%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.28%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.06%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.04%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 0.84%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.80%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 0.66%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 23.09%
This breakdown covers the equity portion of your portfolio only.
Looking through to the biggest underlying holdings, a few familiar names stand out: NVIDIA, Apple, Microsoft, Broadcom, Amazon, Alphabet, TSMC, Meta, and Tesla. Many of these appear across multiple ETFs, especially the broad US and tech funds, so their true influence is larger than any single fund line suggests. For example, NVIDIA and Apple together account for over 11% of covered exposure, mostly via ETF overlap. Because only top-10 ETF positions are captured, actual concentration is somewhat understated. This clustering in a handful of mega-cap growth and tech-related giants adds an extra layer of hidden concentration beyond headline fund weights.
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 exposure across value, size, momentum, quality, yield, and low volatility is broadly neutral, with all factors sitting close to the 50% “market average” mark. Factors are like the underlying ingredients that explain why certain stocks behave the way they do over time. Some portfolios lean heavily toward one factor, like value or momentum, which can really shape performance in different market regimes. Here, the absence of strong tilts means returns are likely to track broad market behavior, rather than rising or falling based on any one specialized style. This balanced factor profile supports the idea of a core, index-like approach.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 40.00% 43.2% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 28.3% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 20.00% 27.8% -
Vanguard Total Bond Market Index Fund ETF Shares
Weight: 10.00% 0.6%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. The US total stock ETF is 40% of the portfolio but contributes about 43% of risk, slightly more than its size suggests. The international ETF is 30% weight and about 28% of risk, slightly less impactful than its share. The tech ETF is 20% by weight yet contributes almost 28% of risk, reflecting its higher volatility. The bond fund, at 10% weight, adds less than 1% of total risk. Overall, the three equity funds account for over 99% of portfolio risk, with tech punching above its weight.
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 optimization view plots the current mix against an “efficient frontier,” which shows the best expected return for each risk level using just these four funds. The current portfolio has a Sharpe ratio of 0.62, below the optimal portfolio’s 0.96 and also below the point directly on the frontier at the same risk, by about 2.57 percentage points of return. The Sharpe ratio measures return per unit of volatility, like how much distance you get for each bump on the ride. Being below the frontier suggests that, in theory, different weightings of these same funds could offer a smoother or more rewarding trade-off without changing the ingredients.
Dividends
- Vanguard Total Bond Market Index Fund ETF Shares 3.90%
- Vanguard Information Technology Index Fund ETF Shares 0.40%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.75%
The overall dividend yield is about 1.75%, combining relatively low payouts from US and tech stocks with higher yields from international equities and the bond fund. Dividends are the cash payments companies or bond issuers make to investors, and they can be a meaningful part of long-term total return, especially when reinvested. In this portfolio, gains are likely to come more from price movement than from income, given the growth tilt and low tech yield. The bond ETF and international stock ETF provide most of the ongoing cash flow, adding a modest income layer on top of capital appreciation potential.
Ongoing product costs
- Vanguard Total Bond Market Index Fund ETF Shares 0.03%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- 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%
The portfolio’s total expense ratio (TER) is impressively low at around 0.05%. TER is the annual fee charged by funds, expressed as a percentage of assets, similar to a small built-in service charge. Individual ETF costs range from 0.03% to 0.10%, all at the low end of industry norms. Over long periods, keeping fees this low helps more of the portfolio’s gross return stay in the investor’s pocket instead of going to fund providers. For a growth-oriented, index-based strategy, this cost structure is very well aligned with best practices and supports better compounding over decades.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
Compare your holdings
How much do the funds you hold actually overlap with the ones people weigh them against?
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey