A broadly diversified equity heavy portfolio with strong growth tilt and impressively low ongoing costs

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’s comfortable with meaningful market swings in pursuit of strong long‑term growth. The ideal person has at least a 10‑ to 20‑year horizon, doesn’t need to regularly tap the portfolio for income, and can ride out drops of 25–35% without panicking. They value simplicity, low costs, and alignment with broad markets more than trying to outsmart the market with niche bets. Risk tolerance is moderate‑to‑high: willing to accept volatility but not interested in extreme speculation or concentrated single‑stock exposure. Building wealth steadily over decades, such as for retirement or long‑term financial independence, is likely the main objective.

Positions

  • Vanguard S&P 500 ETF
    VOO - US9229083632
    60.00%
  • Invesco NASDAQ 100 ETF
    QQQM - US46138G6492
    20.00%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    20.00%

The structure is simple and clear: about 60% in a broad US large cap fund, 20% in a tech‑tilted growth fund, and 20% in a broad international fund, with a tiny cash slice. This is essentially an all‑stock portfolio with a mild tilt toward large US growth companies. That’s relevant because the mix heavily drives both long‑term returns and the size of future ups and downs. The overall setup lines up well with many classic “growth‑oriented balanced” templates. If a smoother ride is desired, gradually shifting a slice into more conservative assets over time could reduce volatility while keeping most of the growth potential intact.

Growth Info

Historically, this mix delivered about 15% compound annual growth (CAGR), meaning $10,000 would have grown to roughly $40,000 over 10 years if repeated. That’s a very strong result and roughly in line with or slightly better than broad US stock benchmarks during strong market decades. The worst peak‑to‑trough drop, around -27%, shows that even “balanced risk” stock portfolios can experience large temporary losses. This drawdown is actually moderate compared with full‑equity bear markets, which can exceed -50%. It’s important to remember that past returns came during a particularly strong period for US stocks, and future returns may be lower or bumpier even with the same asset mix.

Projection Info

The Monte Carlo analysis, which runs 1,000 random return paths based on historical patterns, shows a wide range of outcomes. Monte Carlo is like simulating thousands of alternate market histories using the same “weather” patterns we’ve seen before. Here, the median scenario ends at about 586% of the starting value, while the more pessimistic 5th percentile still slightly more than doubles. That’s very encouraging for long‑term growth, but these simulations rely on past data and assumptions about volatility that may not hold. Treat the projections as rough weather forecasts, not promises, and consider whether you’d stay invested even if your experience looked closer to those low‑end paths.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%
  • Other
    0%
  • No data
    0%

Almost everything is in stocks, with roughly 99% equities and 1% cash. This is a classic growth‑oriented structure and is consistent with a “balanced but growth‑leaning” risk profile rather than a conservative one. All‑equity allocations can build wealth efficiently but also swing significantly with market cycles. Compared to blended benchmarks that include bonds or other stabilizers, this setup will usually outperform in strong bull markets and underperform when markets fall sharply. If the main goal is long‑term growth and the holding period is long, this is a reasonable direction. If short‑term stability or near‑term withdrawals matter, adding some lower‑volatility assets could smooth the ride.

Sectors Info

  • Technology
    34%
  • Financials
    13%
  • Consumer Discretionary
    11%
  • Telecommunications
    11%
  • Health Care
    8%
  • Industrials
    8%
  • Consumer Staples
    6%
  • Basic Materials
    3%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is broad and well spread, with meaningful positions in technology, financials, consumer areas, communication services, healthcare, and industrials, plus smaller slices elsewhere. Technology at about one‑third of the portfolio is the standout tilt, driven by large US and Nasdaq‑style holdings. That tilt has been very rewarding in recent years, but tech‑heavy portfolios can be hit harder when interest rates rise or when growth expectations cool. On the positive side, the presence of all 11 major sectors means the structure broadly matches standard benchmarks. If sector swings feel stressful, gradually dialing back the growth‑heavy part could reduce reliance on any single economic theme.

Regions Info

  • North America
    81%
  • Europe Developed
    8%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Europe Emerging
    0%

Geographically, the portfolio leans heavily toward North America, at about 81%, with the rest spread across developed Europe, Japan, developed Asia, and small slices in emerging regions. This US‑centric pattern is similar to many investor portfolios and has benefited from the strong run in US markets and large tech names. International exposure near 20% is meaningful but still well below the global market’s share outside the US. That means returns and risks are still largely tied to the US economy, currency, and policy environment. Increasing the non‑US slice over time could improve diversification, but the current structure already provides a decent global footprint.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    35%
  • Mid-cap
    16%
  • Small-cap
    1%
  • Micro-cap
    0%

Market cap exposure is firmly tilted to the largest companies, with about 47% in mega caps and 35% in big caps, and only a small allocation to medium and tiny firms. This mirrors major benchmarks like broad US and global indices, which are naturally dominated by giant companies. Large caps tend to be more stable and diversified businesses, which can mean less dramatic swings than very small companies, but also sometimes slightly lower long‑term growth than a portfolio with more small caps. The current tilt toward the largest names is very common and aligns with global standards. If extra return potential is desired, a modest increase in smaller companies could be considered.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.34%

The overall dividend yield around 1.34% is modest, which makes sense given the heavy tilt toward large US growth and tech companies that reinvest more profits instead of paying them out. Dividends are cash payments from companies, and while they’re not guaranteed, they can provide a small income stream and cushion total returns during flat markets. The higher yield in the international slice slightly lifts the total yield. This structure suits an investor more focused on long‑term growth than on immediate income. If regular cash flow becomes a priority later, shifting toward higher‑yielding holdings or creating a planned withdrawal strategy could support that goal.

Ongoing product costs Info

  • 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) 0.06%

Ongoing costs are impressively low, with an overall expense ratio around 0.06%. That’s well below the average for many managed or active strategies. Costs matter because every 0.1% saved each year quietly compounds in your favor over decades, like getting a permanent tiny boost in returns. The use of broad, low‑fee index funds is a strong positive and firmly supports long‑term performance. From a cost perspective, there is very little to improve here; it’s already close to best‑in‑class. The main focus can instead stay on allocation, risk, and behavior, knowing that fees are not a meaningful drag on outcomes.

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.

From a risk‑return optimization angle, this mix sits in a high‑return, high‑volatility area of the Efficient Frontier. The Efficient Frontier is a curve showing the best possible trade‑offs between risk (ups and downs) and return using only the existing building blocks and different weights. Within these three funds, shifting more toward the broad US and international funds and a bit less toward the growth‑tilted fund would likely reduce volatility while barely touching expected return. That would move the portfolio closer to the “most efficient” spot for this set of assets, though pure efficiency doesn’t always align perfectly with income needs, tax preferences, or personal comfort with risk.

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