A broadly diversified low cost portfolio with strong equity tilt and moderate balanced risk profile

Risk 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

Balanced Investors

This setup fits an investor who is comfortable with meaningful market swings and is focused primarily on long‑term growth rather than short‑term stability. They likely have a multi‑decade horizon, such as saving for retirement or building generational wealth, and can tolerate occasional 30%‑plus drawdowns without bailing out. They value broad diversification, low fees, and simple rules like periodic rebalancing over frequent trading. At the same time, they enjoy a few thoughtful tilts—like small value or quality dividend payers—that can potentially add a modest edge. A person like this is usually okay with checking in a few times a year rather than watching markets daily.

Positions

  • Vanguard Total Stock Market Index Fund ETF Shares
    VTI - US9229087690
    27.53%
  • Vanguard S&P 500 ETF
    VOO - US9229083632
    18.34%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares
    VEA - US9219438580
    12.84%
  • Vanguard Total Bond Market Index Fund ETF Shares
    BND - US9219378356
    12.32%
  • Avantis® U.S. Small Cap Value ETF
    AVUV - US0250728773
    11.51%
  • Vanguard High Dividend Yield Index Fund ETF Shares
    VYM - US9219464065
    9.41%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares
    VWO - US9220428588
    3.78%
  • Invesco QQQ Trust
    QQQ - US46090E1038
    2.38%
  • Visa Inc. Class A
    V - US92826C8394
    1.29%
  • Block, Inc
    XYZ - US8522341036
    0.60%

The overall mix is about 87% in stocks and 12% in bonds, which is quite growth oriented for a “balanced” label but still milder than an all‑equity setup. Most of the equity exposure comes from broad index ETFs, with some extra tilts to small value, high dividend, and a bit of concentrated growth through QQQ and two single stocks. This structure matters because broad funds give you market‑level returns, while tilts and single names add both potential upside and extra bumps. One clear tweak would be simplifying the overlapping total market and large‑cap funds so that each holding plays a distinct role without changing the overall stock‑bond mix too much.

Growth Info

Historically, turning 10,000 dollars into this mix and just holding it would have produced roughly a 14% compound annual growth rate, meaning the portfolio roughly doubled about every five to six years. That’s a very strong showing and lines up with a long bull market in stocks, especially in the U.S. The worst peak‑to‑trough drop of about ‑32% is significant but not extreme for a stock‑heavy allocation. It tells you that big temporary losses are part of the ride. It’s helpful to remember that this history covers a particular economic period, so it shows what has been possible, not what is guaranteed next.

Projection Info

The Monte Carlo analysis, which basically runs thousands of “what if” paths using past return and volatility patterns, paints a wide range of futures. A median (50th percentile) outcome of roughly +336% suggests that staying invested could multiply wealth several times, while the 5th percentile at about ‑20% reminds you that a tough decade is still possible. An annualized simulated return of around 15.5% reflects the strong historical data feeding the model. Monte Carlo is useful for framing best‑, base‑, and worst‑case paths, but it still leans on history; if future markets behave differently, actual results can fall outside even those ranges.

Asset classes Info

  • Stocks
    87%
  • Bonds
    12%
  • Cash
    1%
  • Other
    0%
  • No data
    0%

With 87% in stocks, 12% in bonds, and a tiny slice in cash, the mix clearly favors long‑term growth over short‑term stability. Many “classic” balanced allocations sit closer to 60% stocks and 40% bonds, so this setup tilts more aggressively while still keeping a stabilizing bond anchor. That light bond portion helps smooth volatility and can provide dry powder during downturns, but it won’t fully cushion a deep equity bear market. For someone wanting a steadier ride, gradually nudging the bond share higher over time could help; for someone comfortable with volatility, maintaining the current growth tilt and simply rebalancing back to target weights periodically is a reasonable path.

Sectors Info

  • Technology
    22%
  • Financials
    16%
  • Consumer Discretionary
    10%
  • Industrials
    9%
  • Health Care
    8%
  • Telecommunications
    7%
  • Energy
    5%
  • Consumer Staples
    5%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is nicely spread, with no single area dominating: technology is the largest at 22%, followed by strong weights in financials, consumer cyclicals, and industrials, plus meaningful slices in healthcare, communication services, and energy. This structure looks very similar to broad market benchmarks, which is a strong indicator of good diversification. A mild tech and growth tilt appears via QQQ and tech‑heavy broad U.S. funds, which can boost returns during innovation‑driven rallies but also raise sensitivity to interest‑rate shocks or tech pullbacks. Keeping that tilt intentional—rather than accidental—and rebalancing if tech drifts much higher can help keep sector risk from creeping beyond comfort.

Regions Info

  • North America
    72%
  • Europe Developed
    7%
  • Japan
    3%
  • Asia Emerging
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    0%
  • Europe Emerging
    0%

Geographically, about 72% sits in North America, mainly U.S., with the rest spread across developed Europe, Japan, other developed Asia, and a modest stake in emerging markets. This is very much in line with typical U.S. investor benchmarks, which lean heavily domestic while still holding a meaningful overseas slice. That home‑bias has worked well over the last decade, as U.S. stocks outperformed many regions. However, other regions can shine in different economic cycles and also diversify currency and policy risk. Keeping at least a steady allocation to non‑U.S. markets and revisiting the size of the emerging‑markets slice periodically can help balance opportunity and volatility over long horizons.

Market capitalization Info

  • Mega-cap
    31%
  • Large-cap
    26%
  • Mid-cap
    14%
  • Small-cap
    9%
  • Micro-cap
    6%

The spread across company sizes looks healthy: the biggest chunk is in mega and large caps, with solid exposure down the spectrum to mid, small, and even micro caps. This multi‑cap approach is beneficial because different size companies tend to lead in different stages of the economic cycle. The deliberate small‑cap value tilt adds a factor known for higher historical returns but also sharper ups and downs. This allocation is well‑balanced and aligns closely with global standards for core exposure, with thoughtful tilts layered on top. Keeping those tilts within a reasonable band and checking that small and micro‑cap weights don’t drift too high can help manage liquidity and volatility.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

A key detail is the high correlation between the S&P 500 ETF and the total U.S. market ETF. Correlation just means they tend to move similarly; in this case, they’re almost marching in lockstep because both are dominated by the same big U.S. companies. Highly correlated holdings don’t hurt you, but they don’t add much diversification either. That’s why they can be simplified without sacrificing risk‑spread. In contrast, the bond fund, international funds, and small‑cap value ETF bring more differentiated behavior, which actually smooths the ride. Focusing future changes on reducing unnecessary overlap while keeping truly distinct exposures will make the structure cleaner and easier to manage.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.50%
  • Vanguard Total Bond Market Index Fund ETF Shares 3.90%
  • Invesco QQQ Trust 0.40%
  • Visa Inc. Class A 0.70%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 3.00%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.60%
  • Vanguard High Dividend Yield Index Fund ETF Shares 2.30%
  • Weighted yield (per year) 1.88%

The overall yield of about 1.9% is modest but respectable for a growth‑oriented mix. The bond fund and international equity fund provide higher yields, while growth‑heavy pieces like QQQ and certain large growth stocks contribute very little income. The dedicated high‑dividend ETF boosts cash flow somewhat without overpowering the growth profile. For someone reinvesting distributions, this yield quietly adds to compounding; for someone needing income, it provides a base that could be supplemented if necessary. It’s worth remembering that chasing yield too hard can reduce growth potential or increase risk, so having income as a supporting feature—rather than the main driver—fits this overall design quite well.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • Invesco QQQ Trust 0.20%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Vanguard High Dividend Yield Index Fund ETF Shares 0.06%
  • Weighted costs total (per year) 0.07%

With a total expense ratio around 0.07%, the costs are impressively low, supporting better long‑term performance. TER, or total expense ratio, is basically the annual fee percentage you pay for each fund; lower fees mean you keep more of your returns every year, and compounding makes that difference huge over decades. Most holdings are ultra‑low‑cost index funds, with only a slight bump from the small‑cap value ETF and QQQ. This cost structure aligns very closely with best practices and with what many institutional investors aim for. The main focus going forward can stay on allocation and overlap rather than fee shaving, since the pricing is already in excellent shape.

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.

On a risk–return chart known as the Efficient Frontier, this mix would likely sit in a fairly attractive zone, given its strong historical returns and moderate‑to‑high volatility. The Efficient Frontier is simply the curve of portfolios that deliver the best possible return for each level of risk, using the same underlying ingredients. Efficiency in this sense is about maximizing that tradeoff, not necessarily about having the most asset classes. Here, swapping some overlapping pieces for more distinct exposures could nudge the portfolio closer to that frontier. Adjusting just the weights among existing funds, rather than adding complexity, is often enough to sharpen the overall risk–return profile.

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