A broadly diversified equity portfolio with strong growth tilt and moderate global exposure

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 someone comfortable with meaningful market swings and focused on long‑term growth rather than short‑term stability. It would suit an investor with a multi‑decade horizon, like saving for retirement or building generational wealth, who can leave the money invested through bear markets. Risk tolerance is moderate to moderately high: okay with temporary drops of 20–30% or more, as long as the long‑range potential stays attractive. This type of investor tends to prefer simple, low‑cost index solutions, likes being broadly diversified across many companies, and is willing to accept a bit of income plus substantial growth instead of maximizing dividends or capital preservation.

Positions

  • Vanguard S&P 500 ETF
    VOO - US9229083632
    40.00%
  • Invesco NASDAQ 100 ETF
    QQQM - US46138G6492
    20.00%
  • Schwab U.S. Dividend Equity ETF
    SCHD - US8085247976
    20.00%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    20.00%

This portfolio is a simple four‑ETF setup with 80% in US stocks and 20% in international stocks, all fully in equities. The biggest slice tracks a large US index, with an added tilt toward growth via a major tech‑heavy index and toward income via a dividend ETF. Structurally, this looks close to many mainstream “core plus tilts” lineups, and your balanced risk score of 4/7 fits that story. This mix is easy to understand and manage, which is a big plus. One potential improvement could be building in a small dedicated safety bucket, like short‑term reserves elsewhere, to handle big market drops without touching these long‑term holdings.

Growth Info

Historically, this portfolio shows a compound annual growth rate (CAGR) of 14.51%, meaning an investment that started at $10,000 and followed this mix could have grown to around $38,700 over 10 years. CAGR is just the “average yearly speed” over the whole journey, smoothing out bumps. A max drawdown of about –25% suggests that in a bad stretch, $10,000 could have temporarily dropped to roughly $7,500. That’s actually milder than many all‑equity setups, which is a positive sign. Still, it’s crucial to remember that past returns, especially strong ones, are not a promise that future performance will be similar.

Projection Info

The Monte Carlo analysis ran 1,000 simulations and found an average annualized return of about 14.95%, which is very strong. Monte Carlo simulation basically takes past patterns of returns and volatility, shuffles them into thousands of possible futures, and shows a range of outcomes. Here, the median result of about 525% means $10,000 could hypothetically end near $62,500, while the 5th percentile of 88.8% implies about $18,880. These ranges are useful for setting expectations, but they rely on history behaving similarly going forward, which it may not, especially if market conditions or inflation differ a lot from the past.

Asset classes Info

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

The portfolio is 99% stock and 1% cash, so it behaves like a pure equity portfolio. That aligns with a growth‑oriented mindset and makes sense for investors with longer horizons and the ability to ride out big swings. Broad diversification across thousands of companies helps reduce single‑company risk, which is a strong positive. However, there is effectively no built‑in buffer like bonds or defensive alternatives, so when markets drop, this mix will likely fall along with them. If day‑to‑day volatility feels stressful, one way to manage that is to hold a separate, clearly defined cushion outside this portfolio for short‑term needs.

Sectors Info

  • Technology
    30%
  • Financials
    12%
  • Consumer Discretionary
    11%
  • Health Care
    10%
  • Telecommunications
    10%
  • Industrials
    9%
  • Consumer Staples
    8%
  • Energy
    6%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    1%

Sector exposure is nicely spread, with technology at about 30% and good representation across financials, consumer sectors, healthcare, and industrials. A tech‑leaning portfolio like this usually benefits in periods of innovation and low or stable interest rates but can feel sharper drawdowns when rates rise or when growth stocks fall out of favor. The good news is that your sector mix lines up closely with broad market benchmarks, which is a strong indicator of healthy diversification. A practical next step is simply being aware that swings in technology and related areas will heavily influence your overall experience, especially in fast‑moving markets.

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, about 81% sits in North America, with the rest spread across developed and emerging markets. This US‑heavy tilt is very common for American investors and has been rewarding in the last decade, as US markets outperformed many regions. The 20% international slice adds helpful diversification, since other regions don’t always move in lockstep with the US. That said, it’s still a home‑biased portfolio, meaning results will largely follow US conditions. Some investors choose to nudge international exposure up or down over time depending on comfort with currency moves, political differences, and the desire for broader global participation.

Market capitalization Info

  • Large-cap
    39%
  • Mega-cap
    38%
  • Mid-cap
    19%
  • Small-cap
    2%
  • Micro-cap
    0%

Market cap exposure is dominated by mega and large companies, with almost 80% combined in those buckets and only a small slice in mid and small caps. Large and mega caps are typically more stable, widely followed, and less likely to face extreme company‑specific shocks, which supports a smoother ride than a small‑cap‑heavy lineup. The trade‑off is less exposure to some of the higher‑risk, potentially higher‑reward parts of the market. The alignment with major benchmarks here is a real strength: it lowers the odds of weird, idiosyncratic outcomes and keeps performance more in line with broad market moves most investors can live with.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.70%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 3.10%
  • Weighted yield (per year) 1.90%

The total portfolio yield of about 1.90% reflects a balance between growth and income. One ETF contributes a higher yield around 3.7% by focusing on reliable dividend payers, while the tech‑heavy slice sits closer to 0.5%. Dividends are cash payments from companies and can be a useful source of steady return, especially during flat markets. For someone reinvesting them, they quietly boost long‑term compounding. This combination is nicely aligned with common best practices: not chasing yield aggressively, but still having enough dividend exposure to cushion returns a bit. Over time, rising payouts can also help keep pace with inflation.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.06%

Total ongoing costs around 0.06% per year are impressively low and a real highlight of this setup. Expense ratios are the fees charged by funds for managing the investments; on a $10,000 balance, 0.06% is just $6 per year. Keeping costs this low is like driving a fuel‑efficient car on a long road trip: more of what you put in actually gets you closer to your destination. Low costs are one of the few things investors can reliably control, and this portfolio is clearly on the right track there. Over decades, that fee advantage can translate into noticeably higher ending balances.

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 angle, this portfolio already sits in a strong spot: very diversified within equities, low costs, and exposure to both growth and dividends. The concept of the Efficient Frontier is about finding the mix of existing holdings that gives the best possible trade‑off between risk (volatility) and return. Here, shifting the weights slightly between the four ETFs could nudge the portfolio along that frontier, maybe smoothing volatility by leaning a bit more on broad indexes or income‑tilted holdings. Still, “efficient” does not mean perfect in all ways; it just means getting the most expected return per unit of risk taken with these specific building blocks.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

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.