Almost-napworthy index portfolio with one tiny chaos button bolted on for drama
Report created on Mar 26, 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 setup suits someone who can tolerate real swings, trusts markets more than their own stock-picking genius, and has a long runway. Think patient, growth-focused, and slightly allergic to complexity, with just enough curiosity to add one quirky side position “for fun.” They’re probably aiming for long-term wealth building rather than short-term income, and they’re okay seeing -30% on a statement as long as the long-term math works. Time horizon is likely a decade or more, and temperament leans toward “set it and mostly forget it,” with the occasional portfolio check just to confirm the world hasn’t completely exploded.
Positions
-
Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 77.56% -
Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.30% -
ERShares Private-Public Crossover ETF
XOVR 2.14%
Structurally this thing is almost offensively simple: two giant broad-market index funds doing all the work and one tiny “look at me” satellite ETF stapled on for spice. Over 97% of the portfolio is basically “own everything and go home early,” while 2% is a rounding error with a marketing brochure. It’s the investment equivalent of jeans and a plain T-shirt… plus a single glittery sock. Simple isn’t bad, but don’t kid yourself that this is some masterclass in sophisticated construction. The takeaway: it’s a mostly coherent growth engine, but the satellite is more personality quirk than meaningful strategy.
Growth
Historically, this portfolio has done well but not heroically — CAGR of 13.08% versus 13.58% for the US market benchmark. So you’ve basically hugged the index and still managed to slightly underperform it, which is kind of the downside of adding anything that isn’t pure US. End value: 2,564 vs 2,895 for the US market and 2,305 for global. Max drawdown at -34.57% says it hurts just as much in crashes as the benchmarks. CAGR (Compound Annual Growth Rate) is just the “average speed” of your money over the trip. Past data is yesterday’s weather, though: useful, not psychic. Expect similar vibes, not identical numbers.
Projection
The Monte Carlo simulation basically says, “Most futures look fine, but don’t get cocky.” Monte Carlo just means the computer runs thousands of what-if scenarios using your past volatility and returns, like rolling loaded dice over and over. Median outcome after 10 years is about +270%, with 93% of simulations positive — very growthy vibes. But that 5th percentile at -12.6% after a whole decade is your reminder that bad sequences of returns exist and don’t care about your plans. Simulations are like practice fire drills: useful for expectations, but the real fire never follows the script. Conclusion: odds are in your favor, guarantees are not.
Asset classes
- Stocks 99%
- Cash 1%
This “diversification” is basically: stocks 99%, cash 1%, and vibes 100%. You’re not investing; you’re committing. Asset allocation across classes is where people usually smooth the ride with bonds, alternatives, or at least some ballast. Here you’ve chosen the “all gas, no brakes” setup. Great if you have decades, a strong stomach, and no need to sell during crashes. Less great if you panic when you see -30% on a screen. The lesson: this is a growth profile, not a balanced one. Anyone pretending this is “conservative because it’s diversified” needs to re-read that 99% equity line.
Sectors
- Technology 28%
- Financials 14%
- Industrials 11%
- Health Care 10%
- Consumer Discretionary 10%
- Telecommunications 9%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Utilities 3%
- Real Estate 2%
Sector-wise, you’re leaning pretty hard into modern capitalism’s greatest hits: 28% in tech, then a spread across financials, industrials, healthcare, cyclicals, and communications. It’s basically a broad-market salad, but someone definitely dumped an extra bottle of tech dressing on top. Nothing is outrageously concentrated, but tech being the largest slice means you’re emotionally tied to earnings calls, product launches, and the occasional regulatory panic. The rest of the sectors provide some adult supervision, but they’re still mostly along for the ride. Takeaway: you’re diversified across sectors, but the portfolio clearly believes software (and chips) will continue eating the world. If that script flips, so does your mood.
Regions
- North America 81%
- Europe Developed 8%
- Japan 3%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
Geographically, this thing screams “America first, everyone else can have the crumbs.” About 81% in North America, with the rest sprinkled like garnish across Europe, Japan, developed Asia, emerging Asia, and a tiny sliver elsewhere. That’s not unusual for a US-based investor, but let’s not pretend it’s global balance. You’re basically betting that US markets keep being the main character indefinitely. The tiny international sleeve is like saying, “Fine, I’ll acknowledge you exist” to the rest of the planet. The upside: you’ve ridden US dominance. The risk: if leadership shifts globally, you’re not exactly set up to benefit in a big way.
Market capitalization
- Mega-cap 41%
- Large-cap 30%
- Mid-cap 19%
- Small-cap 6%
- Micro-cap 2%
Market cap exposure is very top-heavy: 41% mega, 30% big, 19% mid, and small/micro thrown in as seasoning. You’re essentially renting out your future to the corporate equivalents of giant cruise ships — stable-ish, slow to turn, and everyone already knows their names. This is standard for broad index investors, but it means innovation and explosive growth mostly show up in your life once they’ve already “made it.” Small caps and micro caps at 8% combined are like background characters. Takeaway: you’ve chosen stability of the giants over lottery-ticket small caps, which is sensible, just don’t claim you’re chasing under-the-radar opportunities.
True holdings
-
NVIDIA Corporation 4.92%Part of fund(s):
- ERShares Private-Public Crossover ETF
- Schwab U.S. Broad Market ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
Apple Inc 4.57%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
Microsoft Corporation 3.42%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
Amazon.com Inc 2.37%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
Alphabet Inc Class A 2.19%Part of fund(s):
- ERShares Private-Public Crossover ETF
- Schwab U.S. Broad Market ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
Broadcom Inc 1.77%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
Meta Platforms Inc. 1.76%Part of fund(s):
- ERShares Private-Public Crossover ETF
- Schwab U.S. Broad Market ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
Alphabet Inc Class C 1.68%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
Tesla Inc 1.40%Part of fund(s):
- ERShares Private-Public Crossover ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Broad Market ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
Berkshire Hathaway Inc 1.06%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 25.12%
Looking through the holdings, this is basically the “Magnificent Handful plus their friends” show. NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, Broadcom, Berkshire — all the usual mega-cap celebrities hogging the spotlight. Because these show up across the big index ETFs, you’ve got hidden overlap: different ticker symbols, same party guests. Overlap is probably even higher than shown because we only see ETF top-10s. That means when big tech sneezes, your whole portfolio catches a cold, no matter how diversified the fund names look. The lesson: different wrappers don’t equal different risks if the same giants are doing the heavy lifting underneath.
Factors
Your factor profile is quietly interesting for something that looks so vanilla. Heavy tilt to Size (83.3% — more large than small), plus solid Momentum and Low Volatility exposures. Factors are basically the hidden ingredients that explain returns: value, size, momentum, quality, low vol, yield. You’ve ended up with a “relatively trendy but not insane” mix — momentum and low vol together is like flooring it but insisting on a seatbelt and airbags. Value and yield are barely in the picture, so this setup likes stable growers and recent winners more than cheap and boring plodders. It’s probably accidental rather than a grand design, but it’s not a bad accidental personality.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 77.56% 80.3% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.30% 17.4% -
ERShares Private-Public Crossover ETF
Weight: 2.14% 2.3%
Risk contribution here is brutally straightforward: your big US fund at 77.56% weight contributes about 80.27% of the total risk. The international fund at 20.30% weight adds 17.40% of risk, and the tiny crossover ETF barely nudges the needle at 2.34%. Risk contribution is just asking, “Who’s actually rocking the boat?” — and the answer is almost entirely your main US holding. That little 2% satellite is not a secret weapon; it’s decor. Takeaway: if you ever want to shift risk meaningfully, tweaking that dominant core position matters. Fussing over the 2% holding is like rearranging a coaster on the coffee table during an earthquake.
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 the risk–return chart, your portfolio actually sits on the efficient frontier — so at least you’re not leaving easy money on the table. The efficient frontier is just the best combo of return for each level of risk, using the stuff you already own. Your current setup has expected return of 12.99% with 18.78% risk and a Sharpe ratio of 0.59. The “optimal” point bumps that to 14.19% return and 19.53% risk with a Sharpe of 0.68. In plain English: you’re efficient but not maximized. A tweak in weights could squeeze more juice out of the same oranges if you’re willing to tolerate slightly more bumpiness.
Dividends
- Vanguard Total Stock Market Index Fund ETF Shares 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- Weighted yield (per year) 1.54%
Your yield at 1.54% is basically a polite nod from the market, not a serious income stream. The US sleeve throws off around 1.2%, and the international bit bumps that up thanks to higher payouts abroad. If this were a paycheck, it’d be the part-time side gig, not the main job. Dividends are nice for smoothing returns and feeling like “something’s happening,” but relying on this level of yield for cash flow would be wishful thinking. The real engine here is price growth, not income. Translation: this setup suits a reinvest-and-grow mindset, not someone trying to fund their monthly grocery bill.
Ongoing product costs
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.03%
Costs are hilariously low — total TER around 0.03%. That’s “did Vanguard make a typo?” territory. You’re basically running a near-free ride on capitalism, which is one of the few places in life where paying almost nothing doesn’t mean getting trash. Expense ratios are the subscription fee for owning the fund; you’ve chosen the budget plan that still gives full access. That said, dropping in that boutique crossover ETF is like buying one fancy cocktail in a night of tap water. Good news: even with that, fees are still microscopic. You didn’t overthink it, and somehow that worked in your favor.
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