Broad global stock portfolio with strong diversification and low costs but fully exposed to equity volatility
Report created on Jun 14, 2026Risk profile
4/7
Diversification profile
4/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 43.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 40.50% -
SW Schwab S&P 500 Index Fund
SWPPX - US8085098551 9.70% -
VP Vanguard Utilities Index Fund ETF Shares
VPU - US92204A8760 4.60% -
GO Alphabet Inc Class C
GOOG - US02079K1079 2.20%
This portfolio is a simple, mostly index-based global equity mix. It holds broad US stocks, broad international stocks, a utility sector fund, an S&P 500 fund, and a small direct position in Alphabet Class C. The three core building blocks are the total US market ETF, the total international ETF, and the S&P 500 fund, together making up over 90% of the portfolio. That creates a structure that behaves very similarly to the global stock market while still being slightly US-tilted. The utilities ETF and single Alphabet position add modest, targeted tilts on top of that broad market base, without dominating the overall picture.
Growth
One or more local-currency benchmark funds are unavailable for this report.
From mid-2016 to mid-2026, a hypothetical $1,000 in this portfolio grew to about $3,546. That translates to a Compound Annual Growth Rate (CAGR) of 13.54%, meaning it grew on average roughly 13.5% per year if the path had been smooth. Over the same period, the global market benchmark returned 12.98% annually, so the portfolio slightly outpaced it. The worst drop, or max drawdown, was about -34% during early 2020, very close to the benchmark’s decline. This shows the portfolio captured strong equity growth but also fully shared in major stock market downturns.
Projection
The forward projection uses a Monte Carlo simulation, which is basically a large set of “what if” scenarios built from historical ups and downs. It takes past returns and volatility, scrambles them in many different ways, and shows a range of possible 15‑year outcomes for $1,000. The median result lands around $2,702, while the middle half of outcomes runs from about $1,707 to $4,230. There are also more extreme cases on both sides. These numbers are not predictions, just a way to visualize uncertainty: real future markets can be kinder or harsher than any model based on history.
Asset classes
- Stocks 100%
All of this portfolio is invested in stocks, with no bonds or cash-like holdings in the mix. That means it’s positioned entirely for growth rather than for income stability or capital preservation. Stock-only allocations tend to have higher long-term return potential but also deeper and more frequent swings in value, especially during market stress. Compared with many blended portfolios that mix in bonds, this approach leans more toward equity risk even though the external risk score labels it as “balanced.” The overall behavior will track global equities quite closely, with little cushion from other asset classes.
Sectors
- Technology 25%
- Financials 15%
- Industrials 12%
- Telecommunications 10%
- Consumer Discretionary 8%
- Health Care 8%
- Utilities 7%
- Consumer Staples 5%
- Basic Materials 4%
- Energy 4%
- Real Estate 2%
- Consumer Discretionary 1%
Sector exposure is spread across the economy, with the largest weights in technology, financials, and industrials, and meaningful positions in telecoms, consumer areas, and health care. Utilities stand out slightly, with around 7% exposure versus typical global benchmarks that usually have a smaller utilities slice. Because utilities often behave more defensively and can be less sensitive to economic cycles, that tilt can sometimes soften volatility in sharp downturns, though not eliminate it. Overall, the sector mix is broadly aligned with global market patterns, which is a strong indicator of healthy diversification across different business types.
Regions
- North America 63%
- Europe Developed 15%
- Asia Developed 7%
- Japan 6%
- Asia Emerging 5%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, the portfolio has about 63% in North America, with the rest spread across developed Europe, Japan, other developed Asia, and various emerging regions. That US-heavy share is fairly typical of many global equity mixes, though it’s somewhat more North America-focused than a pure global market index. The allocation outside North America is still sizable and spans multiple continents, so returns are influenced by a wide range of economies and currencies. This geographic spread helps avoid being fully tied to one region’s fortunes, while the US tilt means global outcomes will still be strongly driven by North American markets.
Market capitalization
- Mega-cap 43%
- Large-cap 30%
- Mid-cap 19%
- Small-cap 5%
- Micro-cap 1%
The market cap profile leans toward very large companies, with mega‑cap and large‑cap stocks making up about 73% of the portfolio. Mid‑caps contribute a meaningful 19%, while small‑ and micro‑caps are present but modest. Larger companies tend to have more diversified businesses and more analyst coverage, which can mean somewhat steadier behavior than very small stocks, though they still move with broad markets. Having some mid‑ and smaller‑cap exposure adds extra diversification and potential for different growth patterns. Overall, this blend is close to market‑like, which is consistent with the broad index building blocks in the holdings.
True holdings
-
Part of fund(s):
- Vanguard Total Stock Market Index Fund ETF Shares
-
NV NVIDIA Corporation 2.85%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 2.47%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 1.87%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.59%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.56%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.39%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.23%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.83%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 0.67%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 17.74%
Looking through the funds, the biggest underlying exposures are familiar global giants like Alphabet, NVIDIA, Apple, Microsoft, and Amazon. Alphabet Class C is a good example of overlap: its total exposure is about 3.29%, combining a 2.20% direct stake plus roughly 1.09% via ETFs. This kind of duplication quietly increases concentration in a single company beyond what each position’s surface weight suggests. Because only ETF top‑10 holdings are captured here, real overlap is likely a bit higher. Still, no single company dominates the portfolio, and the largest names together form a diversified group of leading global businesses.
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, and yield is generally neutral, meaning the portfolio behaves similarly to the broad market on those characteristics. The one notable tilt is toward low volatility, at 61% versus a 50% market average. Low volatility exposure means the holdings collectively lean a bit toward stocks that historically moved less sharply than the market. In practice, that can modestly reduce the intensity of drawdowns or day‑to‑day swings, though it does not remove equity risk. This overall factor profile is quite balanced, which helps keep performance close to broad index behavior in many environments.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 43.00% 45.4% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 40.50% 38.8% -
Schwab S&P 500 Index Fund
Weight: 9.70% 10.1% -
Vanguard Utilities Index Fund ETF Shares
Weight: 4.60% 3.1% -
Alphabet Inc Class C
Weight: 2.20% 2.6%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weight. Here, the three core funds account for more than 94% of total risk, roughly in line with their combined weight. The total US market ETF slightly over-contributes (about 45% of risk vs. 43% weight), while the international ETF contributes slightly less than its weight. The utilities ETF adds noticeably less risk than its 4.6% allocation, consistent with that sector’s generally steadier nature. The direct Alphabet position adds a bit more risk than weight, which is typical for an individual growth stock.
Redundant positions
-
High correlationSchwab S&P 500 Index FundVanguard Total Stock Market Index Fund ETF Shares
Correlation measures how similarly assets move; a value close to 1 means they tend to rise and fall together. The S&P 500 fund and the total US market ETF are almost perfectly correlated, which makes sense because both track very similar sets of US stocks. This high correlation means holding both doesn’t add much diversification between them; their main role is to reinforce US equity exposure. Diversification benefits instead come more from the international fund, which is not highlighted here but generally moves differently at times from US markets. Overall, US components in this portfolio behave very much in sync.
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 vs. return chart plots the current portfolio against an efficient frontier, which shows the best achievable return for each risk level using the existing holdings in different mixes. The current portfolio has a Sharpe ratio of 0.59, below both the maximum Sharpe portfolio (0.95) and the minimum variance portfolio (0.66). Being about 2 percentage points below the frontier at its risk level means the same ingredients could, in theory, be reweighted to get better risk‑adjusted returns. This doesn’t require new assets; it simply reflects that the current combination is not mathematically “perfect” based on historical data.
Dividends
- Alphabet Inc Class C 0.20%
- Schwab S&P 500 Index Fund 1.00%
- Vanguard Utilities Index Fund ETF Shares 2.60%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.74%
The portfolio’s overall dividend yield is about 1.74%, which is modest for an equity‑only portfolio. The international fund and the utilities ETF provide the higher yields, while Alphabet pays almost nothing and the broad US funds sit near 1%. Dividends can be a useful component of total return, especially when reinvested, but in this case price gains have historically been the main driver of growth. The relatively low yield also reflects the tilt toward large global growth companies, which often prefer to reinvest earnings rather than distribute them as cash payments.
Ongoing product costs
- Schwab S&P 500 Index Fund 0.02%
- Vanguard Utilities 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) 0.04%
The cost structure is impressively low. The total expense ratio (TER) across holdings is about 0.04% per year, thanks to ultra‑low‑fee index funds from major providers. TER is the ongoing fund fee taken out of assets annually; over long periods, even small differences can compound into meaningful sums. Compared with many actively managed funds charging 0.5%–1% or more, this level of cost leaves almost all of the underlying market return in investors’ hands. This low‑fee foundation is a clear strength of the portfolio and supports better long-run performance relative to higher‑cost alternatives holding similar exposures.
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