Mostly one fund with strong diversification broad growth and efficient risk balance for long horizons

Report created on Mar 27, 2026

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 would fit an investor who has a long investment horizon, possibly several decades until major withdrawals, and is comfortable with equity‑like volatility in pursuit of higher growth. They care about broad global diversification and low costs but don’t want to manage dozens of moving parts. Automatic glide‑path adjustments from a target‑date strategy appeal to someone who prefers to “set a course and check in occasionally” rather than constantly tinker. Risk tolerance is moderate‑to‑high: temporary 30%‑plus drawdowns are acceptable as long as the long‑term plan stays intact. Typical goals might include retirement, long‑range wealth building, or funding future life milestones far in the distance.

Positions

The structure is extremely simple: one target-date fund holds about 95% of the portfolio, with a handful of small satellite index and factor ETFs making up the rest. That core fund already blends stocks and bonds globally, then automatically shifts more conservative over time. This “one main engine plus small add-ons” approach matters because it keeps behavior simple while still adding a bit of extra exposure in places like dividends and small-cap value. The main takeaway is that the portfolio is designed to be mostly on autopilot, with the smaller positions providing modest tilts rather than changing the overall risk profile in a big way.

Growth Info

From late 2019 to early 2026, $1,000 grew to about $2,062, a compound annual growth rate (CAGR) of 11.82%. CAGR is like your average speed on a long road trip, smoothing out bumps along the way. The portfolio’s max drawdown, or worst peak‑to‑bottom drop, was about -31.7%, slightly milder than the broad US and global markets. Returns trailed the US market but essentially matched the global market, which is normal for a more diversified, stock‑bond mix. The big positive here is that the portfolio captured most of global equity growth while softening the deepest downside a bit, which lines up well with a balanced risk stance.

Asset classes Info

  • Stocks
    91%
  • Bonds
    9%

Asset allocation sits around 91% stocks and 9% bonds, which is quite growth‑oriented for a “balanced” label but makes sense for a far‑off retirement target. Stocks drive long‑term growth but swing more; bonds usually act as shock absorbers in rough markets. Relative to a classic 60/40 mix, this is notably more aggressive, closer to what many would call a growth or even near‑equity allocation. The positive here is that it aligns with long time horizons, giving capital more opportunity to compound. The trade‑off is larger short‑term ups and downs, so comfort with volatility and a stable savings plan are important.

Sectors Info

  • Technology
    25%
  • Financials
    17%
  • Industrials
    12%
  • Consumer Discretionary
    10%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Energy
    4%
  • Utilities
    3%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector allocation is well spread, with technology the largest slice around a quarter, followed by financials, industrials, and consumer‑focused areas. This pattern is broadly similar to major global equity indices, which is a strong indicator of diversification. A tech weight in this range is growth‑friendly but not extreme; tech‑heavy portfolios can swing more when interest rates jump or growth expectations change quickly. Having meaningful exposure to financials, industrials, health care, and other sectors helps balance that cyclical risk. Overall, the sector mix looks healthy and benchmark‑like, supporting a belief that performance will mainly follow global economic trends rather than hinging on one narrow industry.

Regions Info

  • North America
    62%
  • Europe Developed
    16%
  • Japan
    6%
  • Asia Emerging
    6%
  • Asia Developed
    6%
  • Australasia
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 62% is in North America, with the rest spread across Europe, Japan, other developed Asia, emerging Asia, and smaller allocations to Australasia, Africa/Middle East, and Latin America. That tilt toward North America is similar to many global benchmarks once you account for market size, and it has historically benefited from strong US market performance. The good news is that the non‑US slice is still meaningful, so returns are not tied to one economy. This global spread helps reduce the hit from country‑specific shocks, currency swings, or policy changes. For many long‑term investors, this level of geographic diversification is both practical and easy to maintain.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    27%
  • Mid-cap
    16%
  • Small-cap
    5%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

Market cap exposure is anchored in mega‑ and large‑cap companies, together over two‑thirds of equities, with the rest in mid, small, and even a small micro‑cap slice. Large companies typically bring more stability and liquidity, while smaller firms add potential for higher growth and more volatility. That balance means the portfolio behaves broadly like the global market but with a slight boost from the added small‑cap value satellites. This structure is helpful: large caps keep the ride smoother, while small caps contribute an extra growth engine in certain cycles. The mix avoids heavy concentration in tiny, speculative companies, which fits a more mainstream risk profile.

True holdings Info

  • NVIDIA Corporation
    0.17%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Apple Inc
    0.15%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    0.11%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    0.08%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    0.07%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    0.06%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    0.06%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Meta Platforms Inc.
    0.05%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Tesla Inc
    0.04%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
  • Berkshire Hathaway Inc
    0.04%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Top 10 total 0.83%

Looking through the ETFs’ top holdings, familiar mega-cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Meta show up multiple times, though at very small total weights (all under 0.2% each). This is typical when using broad index funds, since many funds own the same large companies. Overlap can slightly increase concentration in these giants, but in this case the exposures are tiny relative to the overall portfolio. Also, only ETF top‑10s are captured, so actual overlap is higher than shown. The key point is that concentration risk from individual companies is low, and diversification is being driven by the underlying index and target‑date structure, not single‑stock bets.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 100%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Neutral
Data availability: 100%
Yield
Preference for dividend-paying stocks
Low
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 100%

Factor exposure is nicely balanced across most dimensions, with value, size, momentum, and quality sitting near neutral, meaning the portfolio resembles the broad market on those fronts. Yield is somewhat low, which is expected for a growth‑oriented, long‑horizon mix that doesn’t chase high dividends. The standout is a relatively high tilt to low volatility, indicating a preference for stocks that historically moved less than the market. Factor exposure is basically the “DNA” of why a portfolio behaves the way it does. Here, that low‑vol tilt suggests a chance for smoother rides in rough markets, while the neutral stance elsewhere keeps performance aligned with broad equity trends.

Risk contribution Info

  • VANGUARD TARGET RETIREMENT 2060 FUND INVESTOR SHARES
    Weight: 94.91%
    94.4%
  • Vanguard S&P 500 ETF
    Weight: 2.27%
    2.6%
  • Vanguard International High Dividend Yield Index Fund ETF Shares
    Weight: 1.12%
    1.1%
  • Fidelity 500 Index Fund
    Weight: 0.59%
    0.7%
  • Avantis® International Small Cap Value ETF
    Weight: 0.65%
    0.6%
  • Top 5 risk contribution 99.4%

Risk contribution—how much each holding adds to total ups and downs—is almost entirely driven by the target‑date fund, matching its 95% weight with about 94% of risk. The small ETFs contribute proportionally to their size, with no position punching far above its weight. This is a good sign: there’s no hidden “hot chili pepper” position quietly dominating risk. The top three holdings collectively contribute about 98% of total risk, but that’s really just the single diversified core fund plus two tiny add‑ons. For someone happy with this core, there isn’t a strong need to micro‑tune satellites for risk control; behavior is basically determined by that main fund.

Redundant positions Info

  • Vanguard S&P 500 ETF
    VANGUARD TARGET RETIREMENT 2060 FUND INVESTOR SHARES
    Fidelity 500 Index Fund
    High correlation

Correlations above 0.95 show that some funds move almost in lockstep—here, the S&P 500 ETFs and the target‑date fund are extremely similar in how they behave. Correlation is a score from -1 to 1 that measures how often things move together; near 1 means almost identical patterns. Holding multiple funds that are highly correlated doesn’t add much diversification, even if they look different by name. In this portfolio, those extra S&P 500 positions are effectively duplicates of part of what the target‑date fund already holds. The impact is small because the weights are tiny, but if you ever want to simplify, trimming overlapping funds is an easy clean‑up move.

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, the portfolio sits on or very near the efficient frontier, with a Sharpe ratio of 0.62 compared to 0.77 for the maximum‑Sharpe mix and 0.68 for the minimum‑variance option. The Sharpe ratio is a simple measure of “return per unit of risk.” Being on the frontier means that, given the existing holdings, the current weightings are already using risk efficiently. You’re getting a solid expected return for the volatility taken, and only modest fine‑tuning could improve things. Importantly, that improvement would come from slightly reweighting current funds, not needing new products, which keeps the approach both clean and disciplined.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.10%
  • Avantis® U.S. Small Cap Value ETF 1.40%
  • Fidelity 500 Index Fund 1.20%
  • Vanguard S&P 500 ETF 1.20%
  • VANGUARD TARGET RETIREMENT 2060 FUND INVESTOR SHARES 2.10%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 3.70%
  • Weighted yield (per year) 2.10%

The overall yield is around 2.1%, coming from a mix of core holdings and a specific high‑dividend international ETF. Dividend yield is the annual cash payout as a percentage of the investment, like interest on a savings account but not guaranteed. For a long‑horizon, growth‑oriented setup, a moderate yield like this is perfectly reasonable: it adds a small income stream while keeping plenty of focus on reinvested earnings and capital gains. Higher yields often come with trade‑offs, like slower growth or added sector risk. Reinvesting these dividends back into the portfolio quietly boosts compounding over time without needing constant attention.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Fidelity 500 Index Fund 0.02%
  • Vanguard S&P 500 ETF 0.03%
  • VANGUARD TARGET RETIREMENT 2060 FUND INVESTOR SHARES 0.08%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
  • Weighted costs total (per year) 0.08%

Average costs are impressively low, with a total expense ratio around 0.08%. The biggest position, the target‑date fund, sits at 0.08%, and the index funds are even cheaper, while the factor and high‑dividend ETFs cost a bit more but at very small weights. Expense ratios are like a yearly “membership fee” expressed as a percentage—lower fees leave more of the returns in your pocket. Over decades, even a 0.5% cost difference can compound into a big dollar gap. Here, cost drag is minimal, which strongly supports long‑term performance. This is an area where you’re very much on the right track.

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