Efficient looking crypto spiced index soup that keeps paying for the same stocks twice
Report created on Apr 23, 2026Risk profile
4/7
Diversification profile
4/5
Positions
-
VT Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 40.00% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 20.00% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 20.00% -
BN Vanguard Total International Bond Index Fund ETF Shares
BNDX - US92203J4076 10.00% -
IB iShares Bitcoin Trust
IBIT - US46438F1012 10.00%
This portfolio is basically three nearly identical global and US stock index funds wearing different hats plus a bond fund and a 10% side bet on bitcoin. It looks diversified at first glance, but under the hood it’s one big “own the market” bet repeated three times with a random crypto wildcard bolted on. The structure screams committee compromise: one person wanted world, one wanted US, someone yelled “don’t forget bonds,” and then bitcoin crashed the party. The result is a portfolio that looks thoughtful in pie chart form but, in practice, is just overlapping index beta with a small stabilizer and a flashy lottery ticket.
Growth
Historically, this Franken-index has done fine but not impressive given what it owns. A 18.96% CAGR is strong in absolute terms, but it still manages to underperform both the US and global markets over a very bullish window while holding broad market funds and a 10% crypto turbocharger. That’s like tailgating a Ferrari while driving the same model with extra nitrous in the trunk. The max drawdown of -17.14% is only slightly gentler than the benchmarks, so you’re taking almost the same pain for slightly less gain. Past data is yesterday’s weather though — informative, but not a prophecy.
Projection
The Monte Carlo projection is the simulation where a thousand alternate futures are rolled, and this portfolio is basically told, “You’ll probably be okay, but don’t get cocky.” Median outcome of $2,774 from $1,000 over 15 years and a 76.4% chance of ending positive is solid but hardly heroic given the high equity load and the bitcoin drama queen in the mix. The possible range of $1,003 to $7,866 shows how wide the party-to-pain spectrum really is. Simulations are still just educated dice rolls based on past volatility, not a script for what actually happens next.
Asset classes
- Stocks 80%
- Crypto 10%
- Bonds 10%
Asset-class-wise, this thing is 80% stocks, 10% crypto, 10% bonds — calling that “balanced” is generous. The bonds are basically a decorative garnish, contributing almost no risk and only a small stabilizing effect, like putting a lettuce leaf next to a triple cheeseburger. Meanwhile, 10% bitcoin is a serious swing in something that can easily behave like a levered equity on energy drinks. The mix is essentially one big growth engine, a tiny shock absorber, and a casino chip. It’s not reckless, but “balanced” in this context really just means “slightly less wild than full-send equities plus crypto.”
Sectors
- Technology 23%
- Financials 12%
- Industrials 8%
- Consumer Discretionary 8%
- Health Care 8%
- Telecommunications 7%
- Consumer Staples 4%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is what happens when you own the whole market and then pile US on top: tech-heavy with everything else politely queueing behind. Technology at 23% sets the tone, and the usual suspects show up in force via the big index funds. Financials, industrials, health care, and consumer names all make appearances, but they’re mostly the supporting cast to mega-cap growth. This isn’t a crazy sector bet, it’s just unapologetically pro-status-quo-market. The main issue is that if broad markets stumble in their dominant sectors, this portfolio doesn’t have any real offbeat tilts to soften the blow — it just rides the same rollercoaster as everyone else.
Regions
- North America 65%
- Europe Developed 6%
- Japan 2%
- Asia Developed 2%
- Asia Emerging 2%
- Australasia 1%
- Africa/Middle East 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, this is “USA and friends” with the friends mostly here for diversity points. North America at 65% does all the talking while Europe, Japan, and the rest of the world get cameo roles. For something using “Total World” in the lineup, the end result is still basically a US-forward portfolio with a global accent. That’s perfectly normal for cap-weighted indexes, but let’s not pretend this is some beautifully balanced world tour. In any scenario where the US takes a long nap while other regions wake up, this portfolio will still be sitting stateside wondering what just happened overseas.
Market capitalization
- Mega-cap 34%
- Large-cap 26%
- Mid-cap 15%
- Small-cap 4%
- Micro-cap 1%
This breakdown covers the equity portion of your portfolio only.
Market cap exposure is a textbook example of index comfort food: 34% mega-cap, 26% large-cap, and only a tiny sprinkle of small and micro caps. This is the financial equivalent of always ordering from the “famous favorites” menu and ignoring the weird but interesting stuff. Most of the muscle here comes from the usual mega giants, so returns will live and die with how those few massive companies behave. There’s nothing inherently wrong with that, it’s just very consensus. No meaningful tilt toward smaller companies means less potential payoff if the underdogs ever decide to finally have their comeback decade.
True holdings
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BT Grayscale Bitcoin Mini Trust (BTC) 10.00%
Part of fund(s):- iShares Bitcoin Trust
-
NV NVIDIA Corporation 4.38%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
AA Apple Inc 3.93%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
MS Microsoft Corporation 2.92%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
AM Amazon.com Inc 2.14%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.78%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
AV Broadcom Inc 1.54%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.43%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.33%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
TS Tesla Inc 1.11%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
- Top 10 total 30.55%
This breakdown covers the equity portion of your portfolio only.
The look-through holdings make the overlap problem painfully obvious. NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla — the gang’s all here, repeated across multiple funds like a greatest-hits album sold three times. You’re buying the same mega caps through the world fund, the total US fund, and the S&P 500, then acting surprised when they dominate the exposure. The top underlying positions are basically a tech-and-growth hall of fame plus bitcoin. Overlap is probably even worse than the top-10 data shows, so the real diversification here is more illusion than reality — different wrappers, same core basket.
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-wise, this portfolio is surprisingly vanilla. Everything is basically neutral except for a mild tilt toward low volatility at 61%, which is ironic given that 10% of it is literally bitcoin. Factor exposure is like the ingredient label for what kind of risk flavors you’re getting, and here it’s saying “mostly market-like with a tiny nod to calmer stuff.” The low-vol lean suggests a slight preference for steadier names inside the main funds, while the crypto layer loudly disagrees. Overall, the factor profile looks like it was built by an adult and then handed to a teenager who added bitcoin on top.
Risk contribution
-
Vanguard Total World Stock Index Fund ETF Shares
Weight: 40.00% 37.1% -
iShares Bitcoin Trust
Weight: 10.00% 22.7% -
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 20.00% 20.4% -
Vanguard S&P 500 ETF
Weight: 20.00% 19.5% -
Vanguard Total International Bond Index Fund ETF Shares
Weight: 10.00% 0.4%
Risk contribution exposes the real drama: bitcoin pulls 22.71% of total portfolio risk while being only 10% by weight. That’s the loud friend in the group who gets everyone noticed for the wrong reasons. Meanwhile, the bond fund sits at 10% weight but only 0.36% of risk, quietly existing like background music. The three big equity funds drive about 80% of risk together, with Total World doing the most heavy lifting. Risk contribution is where you learn that size on the pie chart is not the same as influence — some positions whisper, others scream, and bitcoin here is holding the megaphone.
Redundant positions
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High correlationVanguard Total World Stock Index Fund ETF SharesVanguard S&P 500 ETFVanguard Total Stock Market Index Fund ETF Shares
The correlation story is simple: the three big equity funds move almost identically, which is what happens when you buy overlapping indexes and pretend they’re different personalities. High correlation means when one sneezes, the others catch a cold on the same day. In a real equity crash, these three aren’t going to take turns cushioning the blow; they’re going down the same staircase together. Correlation is supposed to show how things dance together; this lineup mostly line-dances in sync, with only bonds and bitcoin occasionally improvising. Diversification within the equity sleeve is more cosmetic than functional.
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 efficient frontier, this portfolio actually behaves itself. The Sharpe ratio of 1.02 sits reasonably close to the optimal 1.26 using the same ingredients, which means the basic risk-return tradeoff isn’t a disaster. The allocation is near the frontier, so at least the chaos is being deployed relatively efficiently. Efficient frontier is just the nerdy curve showing the best possible return per unit of risk with these holdings, and this portfolio is hovering in the right neighborhood. So yes, the structure is overlappy and crypto-spiced, but at least it’s not squandering its risk budget in a mathematically embarrassing way.
Dividends
- Vanguard Total International Bond Index Fund ETF Shares 4.50%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total World Stock Index Fund ETF Shares 1.70%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Weighted yield (per year) 1.57%
Income-wise, this portfolio isn’t exactly a cash-flow machine. A total yield of 1.57% is pocket change territory, driven mostly by standard equity index dividends with a small helping from international bonds. Bitcoin of course contributes nothing except vibes. Dividends here are more of a side effect than a design feature; this setup clearly doesn’t care about regular payouts. If someone tried to justify this as an “income strategy,” they’d be doing stand-up comedy. The yield is fine for a growth-leaning mix, but it’s not moving anyone’s monthly budget in a meaningful way.
Ongoing product costs
- Vanguard Total International Bond Index Fund ETF Shares 0.07%
- iShares Bitcoin Trust 0.12%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.06%
Costs are almost offensively low at a 0.06% total TER. This is the one area where the portfolio absolutely refuses to be dumb. You’re basically paying couch-cushion money to run a global equity-plus-bond-plus-crypto combo. Fees this low mean that, for once, underperformance can’t be blamed on vampires in the expense section. The irony is that the structure is messy and overlapped, yet still cheap enough that it gets away with the inefficiency. It’s like buying three versions of the same basic burger from a dollar menu — redundant, but at least you didn’t get overcharged for the privilege.
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