Growth-focused global stock portfolio with strong US tilt and modest resource and copper exposure
Report created on May 16, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
FS Fidelity Total Market Index Fund
FSKAX - US3159116934 40.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 25.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
GU FlexShares Morningstar Global Upstream Natural Resources Index Fund
GUNR - US33939L4077 10.00% -
CO Global X Copper Miners ETF
COPX - US37954Y8306 5.00%
This portfolio is a concentrated all-stock mix built around broad indexes with a few targeted tilts. About 65% sits in total US market and US large‑cap growth funds, 20% in a total international fund, and 15% in global natural resources and copper miners. That means most of the risk and return comes from diversified equity markets, with a smaller slice tied to commodity-related businesses. Structurally, this is a straightforward “core plus satellites” setup: broad low-cost index funds as the core, with more specialized ETFs on top. This kind of structure makes the overall behavior largely market-driven, while the focused positions can create extra bumps — both up and down — when their themes move sharply.
Growth
From 2016 to 2026, $1,000 in this portfolio grew to about $4,238, which is a compound annual growth rate (CAGR) of 15.61%. CAGR is like the average speed of a road trip, smoothing out bumps along the way. That’s almost identical to the US market benchmark and noticeably higher than the global market benchmark. The portfolio’s biggest drop, or max drawdown, was about -34.8% during early 2020, very similar to both benchmarks, and it recovered within a few months. This shows the portfolio has behaved very much like a growth‑oriented equity mix: strong upside, but with sharp short‑term swings that mirror broad market stress. Past results, of course, don’t guarantee the next decade looks similar.
Projection
The Monte Carlo projection uses the portfolio’s historical risk and return to simulate many possible 15‑year paths. Think of it as running 1,000 alternate futures where yearly returns are shuffled around statistically. The median outcome shows $1,000 growing to about $2,775, with a “middle” range around $1,777–$4,312 and a wider 5–95% range of roughly $940–$8,174. The average simulated annual return is 8.26%, and about three‑quarters of simulations end positive. These numbers highlight that outcomes can differ a lot, even with the same starting portfolio. The projections are shaped by history, but the future can bring different interest rates, inflation, or market shocks that don’t match the past.
Asset classes
- Stocks 100%
Everything here is in stocks, with 0% in bonds or cash-like assets. Asset classes are broad buckets such as stocks, bonds, and real assets, each reacting differently to economic changes. A 100% stock allocation typically brings higher long‑term growth potential but also sharper ups and downs, because there’s no stabilizing anchor from bonds or cash in big sell‑offs. Compared to many diversified benchmarks that mix in fixed income, this portfolio is clearly on the growth‑heavy side. That alignment with pure equity benchmarks explains why the long‑term performance and drawdowns look very similar to major stock indices rather than to blended stock‑bond mixes that usually move more gently.
Sectors
- Technology 27%
- Basic Materials 13%
- Financials 11%
- Telecommunications 9%
- Industrials 9%
- Health Care 8%
- Energy 6%
- Consumer Discretionary 5%
- Consumer Staples 5%
- Consumer Discretionary 4%
- Utilities 2%
- Real Estate 2%
Sector-wise, the portfolio leans heavily on technology at 27%, with basic materials at 13% and a broad spread across financials, telecom, industrials, health care, energy, and various consumer sectors. This looks broadly in line with modern equity benchmarks, but with a noticeable uplift in materials due to the natural resources and copper funds. Sector balance matters because different parts of the economy lead at different times; tech and communication businesses can be very sensitive to rates and innovation cycles, while materials and energy often move with commodity prices and global growth. The mix here suggests returns will be driven by a blend of growth‑oriented companies and more cyclical, resource‑linked businesses.
Regions
- North America 74%
- Europe Developed 11%
- Asia Emerging 4%
- Japan 3%
- Asia Developed 3%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 74% of the portfolio sits in North America, with the rest spread across developed Europe, Japan, other developed Asia, and a small slice in emerging regions. Relative to a world index, this is a notable US tilt, since the US is a bit over half of global market value, not three‑quarters. Geography matters because local economies, currencies, and regulations shape company results. A strong US bias means the portfolio has closely tracked US market performance, which has helped historically compared with global benchmarks. The non‑US exposure still adds diversification by tying some returns to different central banks, growth patterns, and currencies outside the dollar.
Market capitalization
- Mega-cap 45%
- Large-cap 29%
- Mid-cap 19%
- Small-cap 4%
- Micro-cap 1%
By market capitalization, the portfolio is anchored in mega‑caps (45%) and large‑caps (29%), with smaller portions in mid, small, and micro‑caps. Market cap simply measures company size in the stock market, and bigger firms often have more stable cash flows and broader businesses than tiny ones. This size mix is quite similar to broad global and US indexes, where mega and large companies dominate. As a result, the portfolio’s behavior should feel more like “the big end of the market” rather than a small‑cap‑heavy strategy. The small and micro‑cap slices still matter, though — they can introduce extra volatility and sometimes different performance patterns compared with the giants.
True holdings
-
NV NVIDIA Corporation 2.94%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AA Apple Inc 2.37%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
MS Microsoft Corporation 1.69%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AM Amazon.com Inc 1.45%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class A 1.25%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AV Broadcom Inc 1.12%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
TS Tesla Inc 1.03%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class C 1.00%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
ME Meta Platforms Inc. 0.84%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
BH BHP Group Ltd 0.70%
Part of fund(s):- FlexShares Morningstar Global Upstream Natural Resources Index Fund
- Global X Copper Miners ETF
- Top 10 total 14.38%
Looking through the funds, the largest underlying positions include big US tech and growth names such as NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Tesla, and Meta, plus mining group BHP. These appear across multiple funds, especially the total market and large‑cap growth holdings, which creates overlap. Overlap means a single company can influence the portfolio more than it seems from top‑level fund weights. Because only ETF top‑10s are used, actual overlap is likely higher than shown. This hidden concentration helps explain why the portfolio moves in step with major US growth stocks: when these names rally or stumble together, their combined weight can drive overall results disproportionately.
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 is broadly neutral across value, size, momentum, quality, yield, and low volatility, all sitting in the 40–60% “market‑like” band. Factors are traits like “cheap vs. expensive” (value) or “steady vs. jumpy” (volatility) that research has linked to long‑term return patterns. A neutral profile means the portfolio behaves similarly to broad market indexes rather than strongly leaning into any specific style. For example, there isn’t a big tilt toward high dividend yield or deeply discounted stocks, and no large bias toward tiny companies or defensive low‑volatility names. This balanced factor mix fits the core‑index structure and helps keep performance aligned with mainstream equity markets instead of niche factor strategies.
Risk contribution
-
Fidelity Total Market Index Fund
Weight: 40.00% 39.2% -
Schwab U.S. Large-Cap Growth ETF
Weight: 25.00% 27.5% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 17.2% -
FlexShares Morningstar Global Upstream Natural Resources Index Fund
Weight: 10.00% 9.0% -
Global X Copper Miners ETF
Weight: 5.00% 7.2%
Risk contribution shows how much each holding drives overall volatility, which can differ from its weight. Here, the three core funds — Fidelity Total Market, Schwab US Large‑Cap Growth, and Vanguard Total International — make up 85% of the allocation and about 84% of total risk, so risk is broadly in line with size. The standout is the 5% Global X Copper Miners ETF, contributing over 7% of portfolio risk, with a risk/weight ratio of 1.44. That suggests copper miners are materially more volatile than the average holding. In contrast, the international and resources funds contribute slightly less risk than their weights, indicating they bring some diversification relative to the dominant US large‑cap growth exposure.
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 plots risk on one axis and expected return on the other, showing the best possible tradeoffs using only these holdings in different weights. The current portfolio has a Sharpe ratio of 0.66, while the mathematically “optimal” mix of the same funds reaches 0.91 with higher expected return and slightly more risk. The minimum‑variance version has lower risk but also lower return, with a similar Sharpe to your current mix. Because your portfolio sits on or very near the efficient frontier, its risk/return balance is already considered efficient given these ingredients. In other words, based on history, the combination of holdings is being used in a broadly effective way.
Dividends
- Global X Copper Miners ETF 2.20%
- Fidelity Total Market Index Fund 1.00%
- FlexShares Morningstar Global Upstream Natural Resources Index Fund 2.20%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.37%
The portfolio’s total dividend yield is about 1.37%, with the highest‑yielding pieces being the international index (around 2.7%) and the natural resources and copper miners ETFs (around 2.2%). Yield is the annual cash payout as a percentage of price, like interest on a savings account but not guaranteed. Compared with income‑focused portfolios, this level is relatively modest and reflects the heavy allocation to US growth stocks, which often reinvest profits instead of paying large dividends. Even with a lower yield, dividends still contribute a steady part of total return over time, especially when reinvested. Here, though, price changes and earnings growth are the primary drivers of long‑term performance.
Ongoing product costs
- Global X Copper Miners ETF 0.65%
- Fidelity Total Market Index Fund 0.02%
- FlexShares Morningstar Global Upstream Natural Resources Index Fund 0.46%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.11%
Overall costs are impressively low, with a weighted total expense ratio (TER) of about 0.11%. TER is the annual fee charged by funds, expressed as a percentage of assets, and it quietly reduces returns each year. Most of the core holdings are ultra‑low‑cost index products, which keeps the blended fee down despite the higher‑cost natural resources (0.46%) and copper miners (0.65%) ETFs. This fee profile compares favorably with many actively managed strategies and supports better long‑run compounding, since less performance gets eaten by costs. Over long horizons, even small fee differences can add up significantly, so this cost structure is a real strength of the portfolio’s design.
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