A global equity focused portfolio with strong us tilt and low cost diversified core building blocks
as of Mar 16, 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
Balanced Investors
This setup suits someone who prioritizes long‑term growth, accepts meaningful market swings, and values simplicity and low costs. A typical fit would be an investor with a multi‑decade horizon, such as saving for retirement or building generational wealth, who can ride out deep but temporary drawdowns without panic selling. Risk tolerance is moderate‑to‑high, with an understanding that there are no built‑in stabilizers like bonds. Goals are usually focused on maximizing total return rather than current income, using broad global exposure as a “one and done” core. This person often prefers rules‑based, diversified funds instead of frequent trading or concentrated stock picking.
Positions
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Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 68.00% -
Vanguard S&P 500 ETF
VOO - US9229083632 32.00%
This portfolio is very straightforward: two broad equity ETFs, with roughly two thirds in global stocks and one third in a large domestic index. That means the structure is simple, transparent, and easy to manage. Compared to many blended benchmarks, it lacks bonds or alternatives, so all the risk and return comes from stocks. That is powerful for long-term growth but can feel rough in deep downturns. Keeping the basic structure is solid, but it could help to decide explicitly whether the extra domestic fund is intentional or if a single global fund could achieve the same goals with less overlap and complexity.
True holdings
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NVIDIA Corporation 5.30%Part of fund(s):
- Vanguard S&P 500 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
Apple Inc 4.43%Part of fund(s):
- Vanguard S&P 500 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
Microsoft Corporation 3.72%Part of fund(s):
- Vanguard S&P 500 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
Amazon.com Inc 2.69%Part of fund(s):
- Vanguard S&P 500 ETF
- Vanguard Total World Stock Index Fund ETF Shares
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Alphabet Inc Class A 2.29%Part of fund(s):
- Vanguard S&P 500 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
Alphabet Inc Class C 1.85%Part of fund(s):
- Vanguard S&P 500 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
Meta Platforms Inc. 1.82%Part of fund(s):
- Vanguard S&P 500 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
Broadcom Inc 1.80%Part of fund(s):
- Vanguard S&P 500 ETF
- Vanguard Total World Stock Index Fund ETF Shares
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Tesla Inc 1.41%Part of fund(s):
- Vanguard S&P 500 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
Eli Lilly and Company 0.96%Part of fund(s):
- Vanguard S&P 500 ETF
- Vanguard Total World Stock Index Fund ETF Shares
- Top 10 total 26.29%
Looking through the ETFs, the top underlying exposures are heavily tilted toward large, well‑known growth names like NVIDIA, Apple, Microsoft, Amazon, and Alphabet. Together these top positions make up a meaningful slice of the portfolio, even though they are only held via funds. Because only top‑10 ETF holdings are shown, actual overlap is somewhat understated, but the message is clear: there is a strong tilt toward dominant global leaders in technology and communication. This aligns with broad benchmarks today and supports growth potential, but it also ties results closely to how a small group of mega‑caps behaves, so periodic check‑ins on concentration risk are sensible.
Growth
Historically, the portfolio’s compound annual growth rate (CAGR) of 13.41% suggests that $10,000 invested for 10 years might have grown to around $35,000, assuming the same pattern held. CAGR is like average yearly “cruising speed” over a long trip, smoothing out bumps. The maximum drawdown of –34.10% shows how far it fell from a peak, a reminder of the emotional test during market stress. Benchmarks of all‑equity portfolios have seen similar swings, so this falls in a normal range. Past numbers only show what would have happened, not what must happen, so they’re best used as a rough gauge of comfort with big ups and downs.
Projection
The Monte Carlo analysis uses 1,000 simulations based on historical patterns to project a range of future outcomes. It’s like running “what if” scenarios many times, each with slightly different market paths. The median result of about 499.5% suggests $10,000 could hypothetically grow to around $59,950, while the 5th percentile of 108.4% is closer to breaking even in real terms over the same horizon. An average simulated return of 14.83% is encouraging, but these are still models based on the past. They can’t foresee new crises or regime changes, so they’re most useful for stress‑testing expectations and checking if the volatility range feels acceptable.
Asset classes
- Stocks 99%
- Cash 1%
- Other 0%
- No data 0%
Almost everything here is in stocks, with about 99% equity and just 1% in cash. That is consistent with an aggressive or growth‑oriented structure rather than a classic “balanced” mix that usually includes bonds. Pure‑equity portfolios can build wealth quickly over decades but can also experience steep, temporary losses. Many standard benchmarks for balanced investors hold a chunk of defensive assets to cushion shocks. Keeping the current stance is fine if the time horizon is long and swings are tolerable, but those who prefer smoother rides could gradually add stabilizing assets over time, especially as major life goals or withdrawal needs get closer.
Sectors
- Technology 29%
- Financials 16%
- Consumer Discretionary 11%
- Industrials 10%
- Telecommunications 9%
- Health Care 9%
- Consumer Staples 5%
- Energy 3%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is broad, spanning all major areas of the market, but with clear strength in technology at 29%, followed by financials, consumer cyclicals, industrials, and communication services. This profile closely mirrors many global equity benchmarks, which have become tech‑heavy as leading companies grew. This is good for capturing innovation and long‑term growth, yet it also means results are sensitive to changes in interest rates, regulation, or sentiment around these sectors. The presence of healthcare, consumer defensive, utilities, and real estate adds some balance. Periodically checking that one sector is not drifting far beyond comfort levels helps keep risk aligned with personal preferences.
Regions
- North America 76%
- Europe Developed 10%
- Asia Emerging 4%
- Japan 4%
- Asia Developed 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
- Europe Emerging 0%
Geographically, about 76% sits in North America, with the rest spread across developed Europe, Japan, other developed Asia, and several emerging regions. This creates a strong home and US tilt relative to a purely global market‑cap benchmark but still maintains meaningful international exposure. The benefit is riding the performance of a historically strong market while not being entirely dependent on it. The trade‑off is somewhat higher concentration in one economic bloc. For some, this feels familiar and appropriate; others might prefer to edge closer to a more even global split if they want to reduce dependence on any single region’s political and economic outlook.
Market capitalization
- Mega-cap 44%
- Large-cap 33%
- Mid-cap 18%
- Small-cap 4%
- Micro-cap 1%
Market capitalization exposure is dominated by mega and big companies, with 77% in the two largest size buckets, 18% in mid‑sized businesses, and only a small slice in small and micro caps. This structure is very similar to popular global benchmarks and helps ensure liquidity and stability relative to more speculative portfolios. Large firms often weather downturns better, while smaller ones can offer higher growth but with more volatility. This allocation is well‑balanced and aligns closely with global standards. Anyone seeking extra return potential could, in theory, tilt more toward smaller companies, but that would also mean accepting a bumpier ride and longer recovery periods after sell‑offs.
Factors
Factor exposure, which describes how the portfolio leans toward certain traits like momentum or low volatility, shows two clear tilts. Momentum at 60.2% suggests a bias toward stocks that have been doing well recently, which tends to help in strong, trending markets but can sting when trends reverse suddenly. Low volatility at 56.4% points to an emphasis on relatively steadier names, which may soften the blow in some downturns. Other factor data is missing, so the picture isn’t complete. Since factor investing targets specific return drivers identified over decades, it helps to think about whether these tilts match desired behavior in both bull and bear markets.
Redundant positions
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High correlationVanguard S&P 500 ETFVanguard Total World Stock Index Fund ETF Shares
The two ETFs are highly correlated, meaning they tend to move up and down together. Correlation measures how similarly assets behave; when correlation is high, combining them provides limited diversification during stress. This is why both funds likely fell sharply during the same past drawdowns. The portfolio’s diversification score is still decent because each ETF holds thousands of underlying stocks, but from a top‑level view, it is essentially one big equity bet split into two wrappers. That’s not inherently bad, especially at this low cost, but it does mean investors shouldn’t expect one part to reliably cushion the other in a market slide.
Risk contribution
-
Vanguard Total World Stock Index Fund ETF Shares
Weight: 68.00% 67.2% -
Vanguard S&P 500 ETF
Weight: 32.00% 32.8% - Top 3 risk contribution 100.0%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the world ETF and the domestic ETF contribute to risk almost exactly in line with their sizes—about 68% and 32% respectively—with risk‑to‑weight ratios close to 1. That means there are no hidden “risk hogs” beyond what the weights already suggest. The flip side is that having only two highly similar holdings leaves no room for shifting risk meaningfully between different types of assets. Anyone wanting more control over risk levers would need to introduce components that behave differently from broad stocks.
Dividends
- Vanguard S&P 500 ETF 1.20%
- Vanguard Total World Stock Index Fund ETF Shares 1.80%
- Weighted yield (per year) 1.61%
The blended dividend yield of about 1.61% reflects the income stream from the underlying companies. Yield is the annual cash payout as a percentage of the portfolio’s value, like collecting a small “rent” while waiting for long‑term price changes. This level is similar to many broad equity benchmarks today, so it’s in line with global norms and suggests the focus is on total return rather than high income. For someone in the accumulation phase, reinvesting these distributions can quietly boost compounding. Those needing more income would typically look to combine this kind of growth engine with higher‑yielding assets rather than trying to force more income from broad equity funds.
Ongoing product costs
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- Weighted costs total (per year) 0.06%
Total ongoing costs around 0.06% per year are impressively low, especially given the global diversification under the hood. The total expense ratio (TER) is like a small annual service fee taken directly from fund assets. Over decades, fees compound just like returns, so cutting them is one of the few “sure things” in investing. These ETFs sit near the bottom of the cost spectrum, which strongly supports better long‑term performance relative to higher‑fee alternatives. There is little to improve on here; the main question is whether simplifying to one core ETF could reduce overlap further without sacrificing the key benefits that are already being captured.
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.
Risk–return optimization using the Efficient Frontier is about finding the mix of existing holdings that gives the best trade‑off between volatility and expected return. The Efficient Frontier is like a curve showing the “sweet spots” where no extra return can be gained without extra risk, assuming historical behavior continues. In this case, both ETFs are highly correlated, so shifting weights between them doesn’t dramatically change the profile. The biggest gain in efficiency would come from adding assets that behave differently, not just tweaking the existing split. Still, clarifying whether the current tilt matches personal comfort can help decide if any modest re‑weighting is warranted.
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