# ETF model portfolio builder: returns, fees, overlap

> In the year to Sep 30, 2026, 60% VTI and 40% BND returned +8.33%, hypothetical, against +8.93% for ETFIQ Strategic 60.

Data as of Oct 9, 2026. Rebuilt every trading night.

Rebuilt every trading night. Figures as of Oct 9, 2026; trailing windows end at the last month end, Sep 30, 2026.

## Build an ETF model portfolio

Pick any ETFs with an ETFIQ page and set their weights. See the stocks, bonds and cash they hold, the blended fee, the largest holdings and overlap, and hypothetical returns beside the matched ETFIQ benchmark.

59.87% Stocks, looked through

0.03% Blended fee, a year

+8.33%* 1 year, hypothetical

In the year to Sep 30, 2026, 60% VTI and 40% BND returned +8.33%, hypothetical, against +8.93% for ETFIQ Strategic 60.

ETFIQ Strategic, 60% stocks: launched on Oct 3, 2026, when ETFIQ froze its rule. Figures before Oct 5, 2026 are hypothetical: today’s rule and funds applied to earlier prices, which is look-ahead. From Oct 5, 2026 the record is tracked, and a window that starts before it is hypothetical as a whole.

### Your model, fund by fund

Weights are yours, each over their total. Fees are each fund’s prospectus figure; stocks and bonds are % of each fund’s net assets on its latest N-PORT.

| Fund | Name | Weight | Expense ratio | Stocks | Bonds | Returns from |
| --- | --- | --- | --- | --- | --- | --- |
| VTI | Vanguard Morningstar Total Stock Market ETF | 60% | 0.03% | 99.78% | 0.00% | Feb 2010 |
| BND | Vanguard Total Bond Market ETF | 40% | 0.03% | 0.00% | 96.65% | Feb 2010 |

### What it holds, looked through

Stocks are common stock in % of each fund’s net assets on its latest N-PORT, counted through the funds it holds where ETFIQ reads them. Bonds are real bonds only, dated debt maturing more than 397 days after the report date, as the Allocation rule counts them. Cash and other is the rest: cash, bills and short debt, preferred shares and commodities. Not measured is a fund with no published stock share, bonds not yet read and held funds not read through. Each times its weight.

| Asset | Share of the model |
| --- | --- |
| Stocks | 59.87% |
| Bonds | 38.66% |
| Cash and other | 1.47% |
| Not measured | 0.00% |

### Hypothetical total returns

*Hypothetical: your weights applied to past prices, reset every month end. The benchmark’s figures are its own, published on its page; the difference is the two printed figures subtracted, in percentage points. 3Y and 5Y are a year. Total returns are market price with distributions reinvested, net of each fund’s own fees, with nothing else deducted. Data sourced by Tiingo .

| Window | From | To | Your model | ETFIQ Strategic 60 | Difference, points |
| --- | --- | --- | --- | --- | --- |
| Year to date | Dec 31, 2025 | Oct 9, 2026 | +7.88%* | +7.49%* | +0.39 |
| 1 year | Sep 30, 2025 | Sep 30, 2026 | +8.33%* | +8.93%* | −0.60 |
| 3 years, a year | Sep 29, 2023 | Sep 30, 2026 | +14.84%* | +14.30%* | +0.54 |
| 5 years, a year | Sep 30, 2021 | Sep 30, 2026 | +7.31%* | +6.57%* | +0.74 |

### Blended fee

Each fund’s expense ratio times its weight. It is already inside the returns above.

| Figure | Value |
| --- | --- |
| Weighted expense ratio, a year | 0.03% |
| The same on $10,000, a year | $3.00 |

### Largest holdings, looked through

Each fund’s published holdings times its weight; rows that share an identifier, ticker or name are one holding. Books cover 100.00% of the model.

| Holding | Ticker | Share of the model | Held through |
| --- | --- | --- | --- |
| NVIDIA Corp | NVDA | 4.13% | VTI |
| Apple Inc | AAPL | 3.78% | VTI |
| Microsoft Corp | MSFT | 3.06% | VTI |
| Amazon.com Inc | AMZN | 2.04% | VTI |
| Alphabet Inc | GOOGL | 1.62% | VTI |
| Broadcom Inc | AVGO | 1.43% | VTI |
| Alphabet Inc | GOOG | 1.27% | VTI |
| Meta Platforms Inc | META | 1.02% | VTI |
| Micron Technology Inc | MU | 0.88% | VTI |
| Tesla Inc | TSLA | 0.84% | VTI |
| Eli Lilly & Co | LLY | 0.80% | VTI |
| JPMorgan Chase & Co | JPM | 0.78% | VTI |
| Berkshire Hathaway Inc | | 0.74% | VTI |
| Advanced Micro Devices Inc | AMD | 0.62% | VTI |
| ExxonMobil Holdings Corp | XOM | 0.54% | VTI |

### How much the funds overlap

The weight two funds hold in the same securities, each holding counted at the smaller of its two weights: the overlap the portfolio desk prints.

| Pair | Shared weight |
| --- | --- |
| VTI and BND | 0% |

### Questions people ask

What does the model builder compute? For the ETFs and weights you choose: the share in stocks, real bonds and cash, looked through to each fund’s filing; the weighted expense ratio; the largest holdings and the overlap between the funds; and total returns over the year to date, 1, 3 and 5 years, beside the ETFIQ benchmark for the model’s stock share. Why are the returns hypothetical? They apply today’s weights to past prices, reset at every month end, the monthly rule the ETFIQ benchmarks use. Nobody held this model over those years, so every return is marked hypothetical. Which benchmark is a model set beside? ETFIQ Strategic at the point of the allocation band the model’s stock share falls in: more than 15% and up to 30% stocks is Strategic 20, then 40, 60, 80 and 95. Every fund needs a published stock share for the band to be measured. Is this investment advice? No. The model is the funds and weights you chose; ETFIQ applies them to published data and recommends no portfolio. It does not know your circumstances. Your weights are applied to each fund’s monthly total return and reset at every month end, the ETFIQ benchmarks’ monthly rule, so a month’s return is the weighted sum of the funds’ returns that month. Fund fees are inside each return; nothing else is deducted. The price source does not carry funds that closed before 2016, so nothing here is free of survivorship bias. Data sourced by Tiingo .

Built from the funds and weights you chose. Not investment advice: ETFIQ does not know your circumstances and recommends no portfolio.

### Where these figures came from

### Where to next

ETFIQ is an independent publisher of exchange-traded fund data. It is not a fund issuer, broker-dealer or investment adviser, takes no payment from issuers, and makes no recommendations.

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Source: ETFIQ, independent ETF data. Recomputed nightly from public filings and prices.
Cite: ETFIQ, ETF model portfolio builder: returns, fees, overlap, data as of Oct 9, 2026. https://etfiq.com/models/build/
Licence: https://etfiq.com/license/ Figures ETFIQ computes are free to use with attribution: ETFIQ (etfiq.com). Issuer data stays under its owner's terms.
HTML: https://etfiq.com/models/build/