Equity heavy portfolio with strong US focus and balanced style tilts across major stock factors
Report created on Aug 8, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 54.05% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 21.62% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 16.22% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 8.11%
This portfolio is a straightforward, all‑equity mix built from four index-style ETFs. A little over half sits in a broad US large‑cap fund, with about a fifth in a Nasdaq 100 growth tilt, a sixth in international stocks, and a smaller slice in US small‑cap value. So most risk and return are driven by big US companies, with some seasoning from overseas exposure and smaller value names. Structurally, this is a simple “core plus satellites” layout: one main building block, one high‑growth tilt, one international diversifier, and one small‑cap value tilt. That kind of structure makes it easier to understand what’s driving performance at any point in time.
Growth
From late 2020 to August 2026, $1,000 in this portfolio grew to about $2,377, for a compound annual growth rate (CAGR) of 16.12%. CAGR is the “average speed” per year over the whole period. That’s almost identical to the US market benchmark and clearly ahead of the global benchmark. The worst peak‑to‑trough drop was about −26%, close to both benchmarks, and it took around 15 months to fully recover. This pattern shows the portfolio behaving like a slightly growth‑tilted US equity basket, with strong upside but very real swings. Also notable: 90% of returns came from just 29 days, underlining how a small number of big days can dominate long‑term results.
Projection
The Monte Carlo projection uses the portfolio’s historical ups and downs to generate 1,000 “what if” futures over 15 years. It’s like running many alternate timelines, shaking returns each year within a range suggested by past data. The median outcome grows $1,000 to around $2,844, with a 75.8% chance of finishing positive and an average simulated annual return of 8.21%. The wide range from roughly $1,000 to over $7,000 shows the uncertainty that comes with an all‑stock portfolio. These simulations aren’t predictions; they just map what could happen if future volatility and return patterns look broadly similar to the past, which is never guaranteed.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with no bonds or cash‑like assets included in the allocation numbers. That makes the overall risk level squarely equity‑driven: returns can be strong over time, but short‑term moves can be sharp. Relative to a “multi‑asset” benchmark that mixes stocks and bonds, this is much more growth‑oriented. The “Balanced” label in the overview refers more to the risk score framework than to mixing asset classes here. An all‑equity mix like this relies on diversification within stocks—across regions, sectors, and company sizes—rather than smoothing volatility with bonds or other asset types.
Sectors
- Technology 38%
- Financials 12%
- Consumer Discretionary 10%
- Telecommunications 9%
- Industrials 9%
- Health Care 7%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 1%
Sector exposure is clearly tilted toward technology at 38%, with the rest spread across financials, consumer areas, industrials, health care, and smaller slices of energy, materials, utilities, and real estate. Tech weight is meaningfully higher than in a classic broad global index, reflecting the S&P 500 and Nasdaq 100 emphasis, plus today’s tech‑heavy market leadership. This kind of tilt has helped while tech has outperformed, but it also means results are more sensitive to swings in growth and innovation‑driven companies. The presence of every major sector, even at small weights, still provides a good baseline of economic diversification across different business types.
Regions
- North America 84%
- Europe Developed 6%
- Asia Developed 3%
- Japan 3%
- Asia Emerging 2%
- Australasia 1%
- Latin America 1%
- Africa/Middle East 1%
Geographically, this portfolio is dominated by North America at 84%, with the remaining 16% spread thinly across developed and emerging markets. That’s a stronger US tilt than a typical global equity index, where the US usually sits closer to 60%. The dedicated international ETF does bring in Europe, Japan, developed Asia, and emerging markets, but in supporting roles. This structure has lined up well with recent years, when US stocks have led performance. The flip side is that economic, policy, or currency shifts affecting the US have an outsized impact, because most of the portfolio’s earnings and valuations are tied to one main region.
Market capitalization
- Mega-cap 44%
- Large-cap 30%
- Mid-cap 15%
- Small-cap 5%
- Micro-cap 4%
By company size, the portfolio is anchored in mega‑caps (44%) and large‑caps (30%), with smaller but meaningful exposure to mid‑caps and small‑caps, plus a small micro‑cap slice. This is broadly consistent with a market‑weighted equity mix, then tilted a bit further into smaller names by the dedicated US small‑cap value fund. Larger companies tend to be more stable and widely followed, which can dampen some volatility compared with an aggressively small‑cap portfolio. The smaller‑company allocation, though modest, introduces an extra source of potential return and risk, because these stocks often react more strongly to changes in economic growth and sentiment.
True holdings
-
NV NVIDIA Corporation 5.80%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc. 5.11%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.57%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.97%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.50%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.17%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.10%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 2.04%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.63%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 0.99%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Top 10 total 28.88%
Looking through ETF top‑10 holdings, the biggest underlying exposures are familiar large US names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Micron, Meta, and Tesla. Several of these appear across multiple ETFs, especially the S&P 500 and Nasdaq 100, which creates overlap and concentration in a handful of big tech and communication‑related firms. For example, NVIDIA and Apple together already make up almost 11% of the look‑through slice we can see. Actual overlap is probably higher since only ETF top‑10 positions are included. This means headline diversification across four funds masks a meaningful dependence on a small group of mega‑cap leaders.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility sits very close to neutral, with all scores in the 47–54% range. In factor terms, “neutral” basically means the portfolio behaves a lot like the broad market and doesn’t lean heavily into any one style. The presence of both a high‑growth Nasdaq tilt and a small‑cap value fund roughly balance each other out at the whole‑portfolio level. In practice, this suggests performance is driven more by overall market direction and stock selection inside broad indices than by a deliberate bet on a specific factor like deep value, high yield, or low volatility.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 54.05% 51.7% -
Invesco NASDAQ 100 ETF
Weight: 21.62% 26.8% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 16.22% 13.1% -
Avantis® U.S. Small Cap Value ETF
Weight: 8.11% 8.4%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from its weight. Here, the S&P 500 ETF is 54% of assets and contributes about 52% of risk—very proportional. The Nasdaq 100 ETF is more notable: at 22% weight, it contributes almost 27% of total risk, meaning it punches above its size due to higher volatility. The international ETF and the small‑cap value ETF contribute slightly less or about in line with their weights. Overall, the top three funds generate over 91% of total portfolio risk, which aligns with their dominant allocation but still highlights where most movement comes from.
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 in different mixes. The current portfolio has a Sharpe ratio of 0.73, a way of measuring return per unit of risk above cash. The optimal mix of these same funds reaches a Sharpe of 0.97, and the minimum‑risk mix comes in at 0.84. Because the current point sits about 1 percentage point below the frontier at its risk level, the data suggests there are alternative weightings that could deliver either more expected return for similar risk or similar return with less volatility, without adding any new ETFs—just by rearranging the current building blocks.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.20%
- Invesco NASDAQ 100 ETF 0.40%
- Vanguard S&P 500 ETF 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.50%
- Weighted yield (per year) 1.13%
The overall dividend yield for this portfolio is about 1.13%, which is on the modest side for an equity mix. The international ETF has the highest yield at 2.5%, while the Nasdaq 100 ETF is lowest at 0.4%, reflecting its focus on growth‑oriented companies that often reinvest rather than pay large dividends. Dividends can be a meaningful part of total return over time, especially when reinvested, but in this portfolio capital growth clearly does most of the heavy lifting. The relatively low yield aligns with the strong tilt toward large US growth and tech‑heavy names visible in the sector and look‑through data.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.08%
Total ongoing costs, measured by the weighted average TER of 0.08%, are impressively low. TER (Total Expense Ratio) is the annual fee charged by each fund as a percentage of assets, quietly deducted inside the ETF. This cost level is below many actively managed funds and in line with highly competitive index products. Keeping costs down matters because fees compound in the opposite direction of returns: every 0.1% saved each year leaves more of the portfolio’s growth in place over decades. Here, costs are a real strength—the fee drag is small enough that it shouldn’t be a major headwind to long‑term performance.
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