Global equity portfolio with a strong technology tilt and efficient risk and return characteristics

Report created on May 29, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is a five-ETF global equity mix, with all holdings in stock market index funds. The largest slice tracks a broad US market index, followed by a dedicated global technology fund, then diversified exposure to developed markets outside North America, Canada, and emerging markets. This structure keeps things relatively simple while still covering a wide part of the global equity universe. A buy-and-hold assumption without rebalancing means the original weights can drift over time as winners grow faster than other positions. That drift can increase concentration in already-strong areas, especially technology and the US, which helps performance when those areas lead but can amplify swings if leadership changes.

Growth Info

Over the period shown, a hypothetical $1,000 grew to $2,987, with a compound annual growth rate (CAGR) of 16.86%. CAGR is like your “average speed” over a long trip, smoothing out bumps along the way. This slightly outpaced the US market benchmark and beat the global benchmark by over 3 percentage points per year, which is meaningful over several years. The worst peak-to-trough drop was about -27% during early 2020, similar to both benchmarks, and it recovered in roughly four months. That pattern suggests the portfolio participated fully in both the shock and the rebound. As always, these results are backward-looking and do not guarantee future returns.

Projection Info

The Monte Carlo projection uses past returns and volatility to generate many possible future paths for a $1,000 investment over 15 years. Think of it as rolling the dice 1,000 times using history as a guide, not a promise. The median outcome lands around $2,765, with a typical middle range between roughly $1,744 and $4,302. The widest band, from about $976 to $8,035, shows that both very low and very high outcomes are possible. An overall simulated annual return of 8.06% is much lower than recent historical growth, reflecting more conservative assumptions and the randomness baked into the scenarios.

Asset classes Info

  • US Equity
    80%
  • Stocks
    17%
  • Other
    2%

The asset class view shows the portfolio is overwhelmingly in equities, with 80% labeled as US equity, 17% as stocks more broadly, and a small slice in “other.” This essentially means it behaves like a stock-only portfolio, rather than a mix including bonds or cash. Equity-heavy portfolios tend to have higher long-term return potential but also larger short-term swings, especially during market stress. Compared with blended benchmarks that include bonds, this setup is more growth-oriented. Within equities, having multiple broad index funds adds diversification across many companies, helping reduce the impact of any single business, even though the overall asset class risk remains equity-like.

Sectors Info

  • Technology
    32%
  • Financials
    16%
  • Telecommunications
    10%
  • Industrials
    9%
  • Consumer Discretionary
    9%
  • Health Care
    6%
  • Basic Materials
    5%
  • Energy
    5%
  • Consumer Staples
    4%
  • Utilities
    2%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is led by technology at 32%, followed by financials at 16%, then telecommunications, industrials, and consumer discretionary. This is more tech-heavy than many broad global indices, mainly because of the dedicated global technology ETF layered on top of already tech-rich broad funds. A higher tech weight often boosts returns during periods of innovation and growth but can increase volatility when interest rates rise or when investors rotate toward more defensive areas. The rest of the sectors are reasonably represented, which helps spread risk across different parts of the economy. This mix offers growth potential while still keeping exposure to more cyclical and defensive businesses.

Regions Info

  • North America
    75%
  • Europe Developed
    12%
  • Japan
    5%
  • Asia Developed
    3%
  • Asia Emerging
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 75% of the portfolio sits in North America, with the rest spread across Europe, Japan, other developed Asia, and emerging regions. This creates a clear North American tilt compared with global benchmarks, which usually devote a larger share to non-North American markets. Heavier exposure to one region ties portfolio outcomes more closely to that region’s economic cycle, currency, and policy environment. The presence of Europe, Japan, and emerging markets still adds useful diversification, since different regions can lead or lag at different times. Overall, this allocation is well-balanced and aligns closely with global standards while simply leaning more toward North America.

Market capitalization Info

  • Mega-cap
    53%
  • Large-cap
    29%
  • Mid-cap
    15%
  • Small-cap
    2%

This breakdown covers the equity portion of your portfolio only.

The market capitalization breakdown shows a strong bias toward mega-cap and large-cap companies, which together make up over 80% of the portfolio. Mid-caps and small-caps are present but play a smaller role. Larger companies often have more stable earnings, deeper resources, and more analyst coverage, which can translate into somewhat smoother behaviour than smaller, more volatile firms. However, it also means less exposure to the potentially higher-growth but bumpier segment of the market. This pattern is very similar to most cap-weighted indices, which naturally allocate more money to the biggest companies, so the structure broadly mirrors how global equity markets are composed.

True holdings Info

  • NVIDIA Corporation
    5.89%
    Part of fund(s):
    • TD Global Technology Leaders Index ETF
    • Vanguard S&P 500 ETF
    • Vanguard S&P 500 Index ETF
  • Apple Inc
    5.14%
    Part of fund(s):
    • TD Global Technology Leaders Index ETF
    • Vanguard S&P 500 ETF
    • Vanguard S&P 500 Index ETF
  • Microsoft Corporation
    3.90%
    Part of fund(s):
    • TD Global Technology Leaders Index ETF
    • Vanguard S&P 500 ETF
    • Vanguard S&P 500 Index ETF
  • Amazon.com Inc
    2.99%
    Part of fund(s):
    • TD Global Technology Leaders Index ETF
    • Vanguard S&P 500 ETF
    • Vanguard S&P 500 Index ETF
  • Alphabet Inc Class A
    2.65%
    Part of fund(s):
    • TD Global Technology Leaders Index ETF
    • Vanguard S&P 500 ETF
    • Vanguard S&P 500 Index ETF
  • Broadcom Inc
    2.25%
    Part of fund(s):
    • TD Global Technology Leaders Index ETF
    • Vanguard S&P 500 ETF
    • Vanguard S&P 500 Index ETF
  • Alphabet Inc Class C
    2.20%
    Part of fund(s):
    • TD Global Technology Leaders Index ETF
    • Vanguard S&P 500 ETF
    • Vanguard S&P 500 Index ETF
  • Meta Platforms Inc.
    1.83%
    Part of fund(s):
    • TD Global Technology Leaders Index ETF
    • Vanguard S&P 500 ETF
    • Vanguard S&P 500 Index ETF
  • Tesla Inc
    1.49%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • TD Global Technology Leaders Index ETF
    • Vanguard S&P 500 ETF
    • Vanguard S&P 500 Index ETF
  • Royal Bank of Canada
    1.17%
    Part of fund(s):
    • iShares Core S&P/TSX Capped Composite
  • Top 10 total 29.51%

This breakdown covers the equity portion of your portfolio only.

Looking through the ETF top holdings, several large technology names appear multiple times, including NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, and Tesla. NVIDIA and Apple alone together account for over 11% of the portfolio, and all top ten look-through positions together form a meaningful slice. Because these same companies show up in both the broad market funds and the dedicated tech ETF, there is hidden concentration: the portfolio is more tied to their fortunes than the individual ETF weights might suggest. Note that this overlap is based only on ETF top tens, so true concentration may be slightly higher than shown.

Risk contribution Info

  • Vanguard S&P 500 Index ETF
    Weight: 35.00%
    35.3%
  • TD Global Technology Leaders Index ETF
    Weight: 25.00%
    32.1%
  • iShares Core S&P/TSX Capped Composite
    Weight: 17.50%
    14.3%
  • iShares Core MSCI EAFE IMI
    Weight: 17.50%
    14.2%
  • iShares Core MSCI Emerging Markets IMI Index ETF
    Weight: 5.00%
    4.1%

Risk contribution measures how much each ETF drives the portfolio’s overall ups and downs, which can differ from its simple weight. The US index ETF is 35% of the portfolio and contributes a similar 35.32% of risk, so its influence is proportional. The global technology ETF, though, is 25% by weight but contributes 32.09% of total risk, showing it is more volatile. Meanwhile, the Canada, EAFE, and emerging markets funds all contribute slightly less risk than their weights. The top three holdings together drive over 80% of total volatility, underlining that most of the portfolio’s behaviour is shaped by those core positions.

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 trade-offs using only the existing holdings. The current portfolio sits on or very close to this curve, with a Sharpe ratio of 0.79. The Sharpe ratio is a simple way to measure risk-adjusted return: how much extra return you’re getting for each unit of volatility, after accounting for a risk-free rate. The optimal portfolio on this frontier reaches a Sharpe of 0.98 with higher expected return and risk, while the minimum-variance option lowers risk and return with a Sharpe of 0.77. Being near the frontier indicates the current weights are already making good use of the available building blocks.

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