Growth focused global equity portfolio with strong tech tilt and efficient risk adjusted positioning
Report created on Mar 25, 2026Risk profile
- Secure Speculative
The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.
Diversification profile
- Focused Diversified
The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.
Positions
-
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 50.00% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 20.00% -
MS Microsoft Corporation
MSFT - US5949181045 15.00% -
NV NVIDIA Corporation
NVDA - US67066G1040 10.00% -
SO SoFi Technologies Inc.
SOFI - US83406F1021 5.00%
This is an almost pure equity portfolio, with 99% in stocks and a tiny 1% cash buffer. Half the money is in a broad international ETF and another fifth in a US large‑cap ETF, giving a solid core. On top of that sit three single stocks that together make up 30% of the portfolio, creating a focused overlay on top of the diversified base. Structurally, this is a classic “core plus satellites” setup: broad, low‑cost index funds at the core, with high‑conviction individual names around them. That design can work very well for long‑term growth, but it does mean the ride will likely be bumpy, so it fits someone who can tolerate meaningful ups and downs.
Growth
Historically, this portfolio has been extremely strong: a $1,000 example grew to $2,841, beating both the US market and global market by a wide margin. The compound annual growth rate (CAGR), which is the average yearly growth rate over time, sits at 22.58% versus 13.40% for the US and 11.02% globally. The tradeoff is a big max drawdown of about -37.6%, meaning the portfolio once fell that far from a peak. That’s noticeably deeper than the benchmarks’ worst drops. This pattern—much higher returns but sharper setbacks—fits a growth profile and underlines the need for emotional resilience during market stress.
Projection
The Monte Carlo simulation projects many possible 10‑year paths by mixing and reshuffling past returns, a bit like running 1,000 “what if” market histories. Across those scenarios, most outcomes are positive: 928 out of 1,000 finish ahead, with a median total gain around 1,219% and a very strong average annualized return. However, the 5th percentile shows a loss of around -28%, reminding that unlucky decades do happen. Simulations are useful for visualizing a range of possibilities, not for predicting a single future. They rely on past patterns, which can change. For a growth investor, the main message is: huge upside potential, but be prepared for some scenarios that are uncomfortable.
Asset classes
- Stocks 99%
- Cash 1%
Asset‑class wise, this setup is extremely straightforward: almost everything is in equities, with essentially no bonds and only a sliver of cash. That concentration in one asset class amplifies both growth potential and volatility. When stocks are strong, this kind of portfolio can compound very quickly; when they are weak, there is little cushion. Compared with more balanced mixes that include bonds or alternatives, this is firmly on the aggressive side. The positive is simplicity and long‑term return potential. The flip side is that short‑term drawdowns can be large, so this structure makes the most sense when the investment horizon is long and there is no immediate need to sell during downturns.
Sectors
- Technology 40%
- Financials 19%
- Industrials 10%
- Consumer Discretionary 7%
- Health Care 6%
- Basic Materials 4%
- Telecommunications 4%
- Consumer Staples 4%
- Energy 3%
- Utilities 2%
- Real Estate 2%
Sector exposure leans heavily toward technology, which makes up about 40% of the portfolio, well above broad global norms. Financial services, industrials, consumer‑related areas, healthcare, and other sectors are all present, so it isn’t a one‑sector bet, but tech clearly drives a big part of the story. Tech‑heavy portfolios often benefit during innovation booms or when interest rates are stable or falling, yet can be hit hard if growth expectations cool or rates rise sharply. The encouraging aspect is that there is still exposure across many sectors, which helps diversification. The main question is whether this strong tech tilt is intentional and aligned with comfort for potentially bigger swings.
Regions
- North America 54%
- Europe Developed 18%
- Japan 8%
- Asia Developed 7%
- Asia Emerging 7%
- Australasia 2%
- Africa/Middle East 2%
- Latin America 1%
Geographically, the portfolio shows healthy global diversification: roughly half in North America and the rest spread across Europe, Japan, developed Asia, emerging Asia, Australasia, Africa/Middle East, and Latin America. That spread looks quite close to global equity standards and helps reduce dependence on any one economy or political system. It also brings exposure to different growth drivers, currencies, and policy environments. Compared with a typical US‑only portfolio, this is more broadly diversified, which is a strong positive. The tradeoff is that international markets can sometimes lag the US for extended periods, so patience is needed to reap the benefits of this global mix.
Market capitalization
- Mega-cap 58%
- Large-cap 27%
- Mid-cap 12%
- Small-cap 2%
By market capitalization, this portfolio is dominated by mega and big companies, with about 85% in the largest firms and only small slices in medium and small caps. Large‑cap exposure usually means more established businesses, stronger balance sheets, and better liquidity, which tends to lower risk compared with very small companies. At the same time, it may miss some of the explosive potential that smaller firms can occasionally provide. This large‑cap tilt aligns closely with global benchmarks and is generally a solid base for many investors. Anyone seeking extra long‑term growth could consider whether a slightly higher allocation to mid or small caps fits their risk comfort.
True holdings
-
MS Microsoft Corporation 15.99%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
NV NVIDIA Corporation 11.46%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
SO SoFi Technologies Inc. 5.00%
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.72%
Part of fund(s):- Vanguard International Equity Index Funds - Vanguard FTSE Emerging Markets ETF
- Vanguard Total International Stock Index Fund ETF Shares
- iShares Asia 50 ETF
-
AA Apple Inc 1.33%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
SS Samsung Electronics Co Ltd 0.80%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
AM Amazon.com Inc 0.69%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
AS ASML Holding N.V. 0.65%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 0.62%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
AV Broadcom Inc 0.51%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 38.77%
Looking through the ETFs, there is clear overlap in some major names. Microsoft and NVIDIA appear both as direct positions and via the funds, lifting total exposure to about 16% and 11.5% respectively. That’s hidden concentration: even though the ETFs are diversified, they reinforce existing bets. Other big global companies like TSMC, Apple, Samsung, Amazon, ASML, Alphabet, and Broadcom show up in modest sizes via the ETFs, adding high‑quality breadth. Because only ETF top‑10 holdings are captured, true overlap is probably a bit higher. The key takeaway is that this portfolio is more reliant on a handful of mega‑cap tech leaders than the headline ETF weights alone suggest.
Factors
Factor exposure shows strong tilts toward quality, low volatility, and momentum. Factors are simply traits—like value or size—that research has linked to returns over decades. A high quality score suggests companies with solid profits and balance sheets, while low volatility points to names that historically moved less wildly. Momentum indicates a bias toward stocks that have been recently strong. That combination can be powerful: quality and low volatility may soften some drawdowns, while momentum often helps in strong, trending markets, though it can sting in sharp reversals. There’s only a mild tilt to smaller size and moderate exposure to value and yield. Overall, these factor tilts line up nicely with a resilient growth style.
Risk contribution
-
Vanguard Total International Stock Index Fund ETF Shares
Weight: 50.00% 35.5% -
NVIDIA Corporation
Weight: 10.00% 21.4% -
Vanguard S&P 500 ETF
Weight: 20.00% 16.1% -
Microsoft Corporation
Weight: 15.00% 15.6% -
SoFi Technologies Inc.
Weight: 5.00% 11.5%
Risk contribution stats reveal that a few positions drive most of the portfolio’s ups and downs. The two Vanguard ETFs together are 70% of the weight but contribute about 52% of the risk, reflecting their diversification. NVIDIA at only 10% weight contributes over 21% of the risk, and SoFi at 5% delivers more than 11% of total risk—both much higher than their weights would suggest. This happens because more volatile stocks punch above their weight in portfolio swings. The top three holdings alone make up nearly 73% of total risk. If the goal is smoother behavior, adjusting the size of the most volatile single stocks could help align risk with intended conviction.
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 risk‑return chart, this portfolio sits on the efficient frontier, meaning its mix of holdings is already using them in a mathematically efficient way for the given risk level. The Sharpe ratio—a measure of return per unit of risk—is solid at 0.82 and better than the minimum‑risk mix of the same holdings. There is an “optimal” portfolio with a much higher Sharpe, but it comes with very high volatility and expected returns that likely reflect the unusual historical period used. Importantly, a “same‑risk optimized” version would require much more volatility than the current setup, which suggests the present allocation is already well tuned for its chosen risk level.
Dividends
- Microsoft Corporation 0.90%
- Vanguard S&P 500 ETF 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- Weighted yield (per year) 1.88%
The portfolio’s overall yield is around 1.88%, coming mainly from the two Vanguard ETFs, with the international fund offering a relatively higher payout. That’s a modest income stream—useful but not the main driver of returns in such a growth‑oriented setup. Dividends can help cushion volatility slightly and provide cash that can be reinvested during market dips. For investors who prioritize income, this level would generally be on the lower side. For someone focused on long‑term growth, a moderate yield like this is perfectly reasonable and avoids the need to chase high‑yielding but potentially riskier stocks that might compromise the quality or growth profile.
Ongoing product costs
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.03%
Costs are impressively low, with total ongoing fund expenses around 0.03%. That’s well below the average for actively managed funds and in line with best‑in‑class index investing. Fees are one of the few things investors can reliably control, and even small differences compound significantly over decades. Keeping costs this low means more of the portfolio’s returns stay in the account rather than going to fund managers. This cost discipline is a major strength and pairs well with the diversified ETF core. As long as trading activity in the individual stocks is reasonable, the overall cost structure is highly supportive of strong long‑term outcomes.
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