A growth oriented globally diversified portfolio with strong factor tilts and one highly concentrated risk position
as of Mar 16, 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.
What type of investor this portfolio is suitable for
Growth Investors
This portfolio fits someone comfortable with meaningful market swings in pursuit of strong long-term growth. It suits an investor who prioritizes wealth-building over decades rather than short-term stability, and who can tolerate multi-year periods of underperformance without abandoning the approach. A person aligned with this mix likely believes in global equity markets, appreciates broad index exposure, and is open to a few focused positions or factor tilts for potential extra return. They accept that temporary drawdowns around 30% are possible and view them as part of the journey. A typical horizon would be at least 10–15 years, with flexibility to adjust risk downward as major life goals like retirement or large purchases get closer.
Positions
-
Vanguard S&P 500 ETF
VOO - US9229083632 34.96% -
Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 19.61% -
Avantis® International Small Cap Value ETF
AVDV - US0250728021 17.02% -
iShares® 0-3 Month Treasury Bond ETF
SGOV - US46436E7186 16.09% -
Franklin FTSE South Korea ETF
FLKR - US35473P7107 7.88% -
Micron Technology Inc
MU - US5951121038 3.17% -
Ondas Holdings Inc.
ONDS - US68236H2040 1.27%
This portfolio is mostly in broad stock index funds with a modest cash‑like buffer and a couple of single stocks. Around one‑third sits in a large US basket, another chunk in global stocks, plus a meaningful tilt toward smaller overseas companies. A short‑term Treasury fund covers most of the defensive side. This structure is very close to common growth benchmarks but adds a few active tilts and satellite positions on top. That mix is useful because the broad funds do the heavy lifting while satellites add extra flavor. One practical step is to treat the big index ETFs as your core, then decide deliberately how large you want the smaller, more idiosyncratic pieces to be.
True holdings
-
Micron Technology Inc 3.45%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
NVIDIA Corporation 2.74%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Apple Inc 2.26%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
-
Samsung Electronics Co Ltd 1.97%Part of fund(s):
- Franklin FTSE South Korea ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Microsoft Corporation 1.89%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
-
SK Hynix Inc 1.80%Part of fund(s):
- Franklin FTSE South Korea ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Amazon.com Inc 1.37%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Ondas Holdings Inc. 1.27%
-
BlackRock Cash Funds Treasury SL Agency 1.19%Part of fund(s):
- Vanguard Total International Stock Index Fund ETF Shares
- iShares Asia 50 ETF
- iShares Mortgage Real Estate Capped ETF
- iShares® 0-3 Month Treasury Bond ETF
-
Alphabet Inc Class A 1.16%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 19.10%
Looking through the top holdings, a large share of exposure ends up in mega-cap technology and related names like NVIDIA, Apple, Microsoft, and Samsung, plus a sizeable total exposure to Micron via both a direct position and indices. This overlap is common in index-heavy portfolios because popular companies appear in many funds. It matters because what looks like diversified positions can still move similarly if they share the same underlying giants. A simple step is to periodically review the biggest combined underlying names, then decide if those concentrations are intentional. If certain companies or industries feel oversized, slight trimming of overlapping exposures can bring the underlying mix more in line with your comfort zone.
Growth
Historically, this mix shows a high compound annual growth rate (CAGR) of about 18.2%. CAGR is like saying, “If you started with $10,000, what steady yearly rate would turn it into today’s value?” A -28% max drawdown means that at one point, the portfolio was down that much from a prior peak, which is normal for a growth setup but still emotionally tough. The fact that just 23 days made up 90% of returns highlights how missing a few strong days can dramatically change outcomes. This aligns with stock-heavy benchmarks during strong periods. It helps to remember that such historical numbers are backward-looking and not guaranteed, so future planning should assume a wide range of possible paths.
Projection
The Monte Carlo projection uses historical ups and downs to simulate many possible future paths, like running 1,000 different “what if” market timelines. It outputs a range of outcomes from very bad to very good, showing how uncertain the future can be for a growth-heavy mix. Here, some simulation details clearly look off (with many paths ending at -100%), underlining that models can misfire, rely on limited data, or be distorted by extreme assumptions. The average projected return near historical levels simply says, “If markets behave somewhat like the past, growth could remain strong but bumpy.” It’s wise to treat these projections as rough weather forecasts, not precise promises, and to keep plans flexible rather than anchored to any single number.
Asset classes
- Stocks 83%
- Cash 16%
- Bonds 1%
- Other 0%
- No data 0%
About 83% in stocks, 16% in short-term Treasuries counted as cash, and a tiny 1% in bonds puts this firmly in the growth camp. This is more aggressive than a typical balanced portfolio but consistent with many growth benchmarks that lean heavily into equities. The short-term Treasuries help with liquidity and stability but won’t offset deep equity drawdowns the way longer-duration bonds might. The upside is strong participation in market rallies; the downside is sharper swings during downturns. A useful exercise is to imagine a 30–40% temporary drop in the equity part and ask whether that feels acceptable. If not, slightly increasing the defensive sleeve could better align the mix with real-world risk tolerance.
Sectors
- Technology 24%
- Financials 12%
- Industrials 12%
- Consumer Discretionary 9%
- Basic Materials 6%
- Health Care 5%
- Telecommunications 5%
- Energy 4%
- Consumer Staples 3%
- Utilities 2%
- Real Estate 1%
Sector exposure is broad, with meaningful stakes in technology, financials, industrials, consumer areas, and materials. Tech sits at the top around one-quarter of the portfolio, which matches many modern benchmarks dominated by innovative and digital businesses. This bias supports long-term growth potential but can mean higher volatility during periods of rising interest rates or regulation fears. Other sectors like healthcare, communication services, and energy also contribute to balance. This spread across many segments is a positive sign, indicating resilience against problems in any one area. Still, it helps to periodically check whether sector tilts—especially toward tech and cyclicals—are intentional and still match your comfort with economic ups and downs.
Regions
- North America 43%
- Europe Developed 14%
- Asia Developed 11%
- Japan 9%
- Asia Emerging 3%
- Australasia 2%
- Africa/Middle East 2%
- Latin America 0%
- Europe Emerging 0%
Geographically, the mix includes a strong US core plus sizable exposure to developed Europe and Asia, including Japan, and a targeted slice of South Korea. This is broader than a typical US-only portfolio and aligns nicely with global diversification principles. The smaller allocations to emerging regions and some underrepresented areas mean there’s still a mild home and developed-market bias, which is very common. Global spread matters because different regions lead at different times; for instance, one decade might favor US growth while another favors international value. This allocation is well-balanced and aligns closely with global standards. Periodically revisiting whether the non‑US share matches your long-term conviction in global growth can help keep the mix intentional.
Market capitalization
- Mega-cap 34%
- Mid-cap 21%
- Large-cap 21%
- Small-cap 7%
- Micro-cap 1%
Market capitalization exposure skews toward mega and large companies, with meaningful representation of medium and some small caps. This structure is similar to many broad benchmarks that are naturally weighted by company size, but the additional international small-cap value fund increases the tilt toward smaller firms. Larger companies often provide more stability and liquidity, while smaller ones can offer higher growth potential but with bumpier rides. This blend is a solid way to tap both characteristics. To keep it aligned with your goals, it’s helpful to check whether the extra small-cap tilt is something you want to maintain through cycles, especially during periods when smaller firms underperform and test patience more than the big household names.
Factors
Factor exposure shows strong tilts toward value, size, and quality, with moderate momentum and low volatility, and a relatively low yield focus. Factors are like traits—cheap vs expensive (value), small vs large (size), stable vs fragile (quality)—that research links to long-term return patterns. This setup suggests a preference for smaller, cheaper, and reasonably solid companies rather than just chasing the most popular names. That can help during cycles when value and quality outperform, but it may lag flashy growth markets led by expensive mega caps. Average signal coverage is moderate, so readings are informative but not perfect. Keeping an eye on whether these tilts still match your beliefs about what will drive returns over decades can help maintain conviction during inevitable factor dry spells.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 34.96% 33.9% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 19.61% 18.0% -
Avantis® International Small Cap Value ETF
Weight: 17.02% 16.3% -
Ondas Holdings Inc.
Weight: 1.27% 15.7% -
Franklin FTSE South Korea ETF
Weight: 7.88% 9.8% - Top 3 risk contribution 68.2%
Risk contribution shows how much each position adds to overall portfolio volatility, which can differ a lot from its simple weight. The broad index funds are large weights and naturally contribute a big chunk of risk, roughly in line with their size. The standout outlier is Ondas Holdings: at just over 1% of the portfolio, it contributes more than 15% of total risk, meaning its ups and downs dominate far more than its dollar amount suggests. Think of it as one very loud instrument in an otherwise balanced orchestra. If that level of single-stock risk feels too high, adjusting its size or treating it as a speculative sleeve with strict limits can bring risk contributions closer to intended levels.
Dividends
- Avantis® International Small Cap Value ETF 3.00%
- Franklin FTSE South Korea ETF 3.10%
- Micron Technology Inc 0.10%
- iShares® 0-3 Month Treasury Bond ETF 4.00%
- Vanguard S&P 500 ETF 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 3.10%
- Weighted yield (per year) 2.43%
The overall dividend yield around 2.4% is moderate, supported by international value exposure and the Treasury ETF’s current income. Yield here comes from a mix of stock dividends and interest from ultra-short Treasuries, which can be attractive for reinvestment or regular withdrawals. Some holdings, like Micron, barely contribute via dividends, relying more on price appreciation. For a growth-oriented setup, this balance between income and potential capital gains is quite typical. One useful step is to clarify whether income is a priority now or mainly a bonus for reinvesting. If steady cash flow is important, gradually tilting a portion toward more consistent payers while watching overall risk could better align the income profile with spending needs.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Franklin FTSE South Korea ETF 0.09%
- iShares® 0-3 Month Treasury Bond ETF 0.07%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.10%
Total estimated cost (TER) around 0.10% is impressively low, driven by broad, low-fee index funds and only one moderately priced active ETF. Costs matter because they quietly chip away at returns every year, and the effect compounds over decades. Keeping fees well below typical actively managed portfolios is a strong advantage, especially for a growth strategy that aims to capture market returns rather than constantly trade in and out. This structure aligns closely with best practices for cost control. Going forward, it’s worth checking that any new additions fit into the same low-cost mindset, and that higher-cost holdings always have a clear, intentional role—like a specific tilt or exposure you can’t easily get from cheaper options.
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.
Risk versus return can be viewed through the Efficient Frontier, which is simply the best possible trade-off between risk and reward using the existing set of holdings. “Efficient” here means “best risk-return ratio,” not necessarily “most diversified” or “perfect for every goal.” Given the current mix, there may be combinations that slightly reduce volatility without meaningfully cutting expected return—for example, by trimming the highest-risk single stock and modestly adjusting between equity and Treasury exposure. Historical data and simulations guide these estimates, but they are not guarantees, just informed guesses. Regularly revisiting the allocation to see whether the current mix still lies near that efficient zone can help keep the portfolio doing as much as possible with the risk you’re already taking.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
