Balanced equity tilted portfolio with strong factor exposures and low costs supporting efficient long term growth

Report created on Apr 24, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is built around a simple five‑ETF structure with a clear tilt toward stocks. A little over half sits in a broad US equity fund, about a quarter in international stocks, and 15% in a total bond market ETF. The remaining slice is in a US small‑cap value fund and another diversified equity ETF. This kind of “core plus satellites” setup matters because most of the behavior will be driven by the core stock funds, while the smaller positions lightly nudge the style and risk profile. The equity-heavy weighting explains why the portfolio moves meaningfully with global markets, while the bond allocation adds a stabilizing anchor without dominating overall performance.

Growth Info

Over the observed period, $1,000 grew to about $1,610, translating to a 21.59% compound annual growth rate (CAGR). CAGR is like your average speed on a road trip, smoothing out bumps along the way. The portfolio slightly lagged both the US and global market benchmarks, which posted higher CAGRs, but it also had a smaller maximum drawdown than the US market. Its worst drop was about -15.4%, versus nearly -18.8% for the US benchmark. This mix of strong returns with somewhat gentler dips suggests the portfolio delivered a good risk‑return tradeoff. As always, past performance is informative but cannot predict future outcomes.

Projection Info

The Monte Carlo projection uses many simulated paths based on historical behavior to estimate possible future outcomes. Think of it as running the next 15 years’ market history 1,000 different ways, then seeing where the portfolio ends up each time. The median result shows $1,000 growing to around $2,717, with most simulations landing between roughly $1,876 and $3,888. The wide “possible” range, stretching from about $1,084 to $6,275, highlights just how uncertain markets can be. The chance of finishing positive, about 76%, is encouraging but not a guarantee. These simulations rely heavily on the past data and assumptions used, so they’re best viewed as a rough weather forecast, not a precise timetable.

Asset classes Info

  • Stocks
    85%
  • Bonds
    15%

Asset allocation is tilted strongly toward stocks at 85%, with bonds making up the remaining 15%. This is meaningfully more equity-heavy than many traditional “balanced” mixes that often sit closer to a 60/40 split, so it naturally carries more growth potential and more volatility. Stocks are the main drivers of long‑term returns, but they also experience larger short‑term swings. Bonds act as the ballast in this portfolio, and even though they are a minority, they still play an important role in cushioning market downturns. The current stock‑bond mix lines up well with a growth‑oriented approach that still keeps some downside dampening in place.

Sectors Info

  • Technology
    18%
  • Financials
    16%
  • Industrials
    11%
  • Consumer Discretionary
    10%
  • Telecommunications
    6%
  • Energy
    6%
  • Health Care
    6%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is spread across a wide range, with technology at 18% and financials at 16%, followed by meaningful stakes in industrials and consumer discretionary. No single sector dominates the portfolio in an extreme way, which is positive for diversification because different parts of the economy lead at different times. Compared with many broad benchmarks that are very technology heavy, this mix looks more balanced, with notable weight in areas like financials, industrials, and energy. That can help if tech faces pressure, such as during rising interest‑rate periods, since other sectors may behave differently. Overall, the sector composition is broadly diversified and aligns closely with global standards.

Regions Info

  • North America
    61%
  • Europe Developed
    9%
  • Japan
    4%
  • Asia Developed
    4%
  • Asia Emerging
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 61% of the portfolio is in North America, with the rest spread across Europe, Japan, other developed Asia, and emerging regions. This leaves the portfolio clearly US‑tilted but still materially invested outside the home market. Relative to a pure global equity index, which often has slightly lower US weight, this portfolio leans more toward the US while maintaining a healthy international component. That mix can reduce reliance on a single economy or currency, while still letting US market dynamics drive a good portion of returns. The presence of emerging markets, even at modest levels, adds another growth engine that tends to behave differently from developed markets.

Market capitalization Info

  • Mega-cap
    29%
  • Large-cap
    22%
  • Mid-cap
    21%
  • Small-cap
    9%
  • Micro-cap
    3%

This breakdown covers the equity portion of your portfolio only.

The market‑cap breakdown shows a solid spread: 29% mega‑cap, 22% large‑cap, and a sizeable 21% in mid‑caps, with smaller portions in small‑ and micro‑caps. Mega‑ and large‑caps tend to be more established companies, which often means steadier earnings and lower volatility. Mid‑, small‑, and micro‑caps are usually more sensitive to economic cycles but can offer higher growth potential. That 30‑plus percent in the smaller end of the market (mid, small, micro combined) indicates a meaningful size tilt away from just the largest global names. This structure supports both diversification and potential long‑term return enhancement, while still anchoring a good chunk in big, widely followed companies.

True holdings Info

  • NVIDIA Corporation
    2.60%
    Part of fund(s):
    • Avantis® U.S. Equity ETF
  • Apple Inc
    2.50%
    Part of fund(s):
    • Avantis® U.S. Equity ETF
  • Amazon.com Inc
    1.80%
    Part of fund(s):
    • Avantis® U.S. Equity ETF
  • Microsoft Corporation
    1.77%
    Part of fund(s):
    • Avantis® U.S. Equity ETF
  • Alphabet Inc Class A
    1.28%
    Part of fund(s):
    • Avantis® U.S. Equity ETF
  • Meta Platforms Inc.
    1.21%
    Part of fund(s):
    • Avantis® U.S. Equity ETF
  • Alphabet Inc Class C
    1.02%
    Part of fund(s):
    • Avantis® U.S. Equity ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.86%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • JPMorgan Chase & Co
    0.70%
    Part of fund(s):
    • Avantis® U.S. Equity ETF
  • Exxon Mobil Corp
    0.62%
    Part of fund(s):
    • Avantis® U.S. Equity ETF
  • Top 10 total 14.38%

This breakdown covers the equity portion of your portfolio only.

Looking through the ETFs, the largest underlying company exposures include NVIDIA, Apple, Amazon, Microsoft, and Alphabet, with each individual name under 3% of the overall portfolio. These positions appear via multiple funds, which creates some overlap: for example, a stock like Apple can show up in both US and international broad indices. Because only ETF top‑10 holdings are used, overlap is likely understated, but even so, no single company dominates the portfolio. This pattern is common in diversified index‑style portfolios and means that while a handful of big global firms influence returns, they do not represent excessive concentration risk by themselves.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 85%
Size
Exposure to smaller companies
High
Data availability: 85%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 85%
Quality
Preference for financially healthy companies
Neutral
Data availability: 85%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 100%

Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.

Factor exposure shows clear tilts toward value, size, and low volatility, all rated “High” relative to a market‑like 50% baseline. Factor investing focuses on characteristics that research has linked to long‑term return differences. A value tilt means more exposure to companies trading at lower prices relative to fundamentals. A size tilt indicates more weight in smaller companies than the broad market. The low‑volatility tilt suggests a preference for stocks that historically move less than the market. Together, these tilts can make the portfolio behave differently from a simple market index: it may lag during speculative growth booms yet hold up relatively better in choppy or risk‑off environments.

Risk contribution Info

  • Avantis® U.S. Equity ETF
    Weight: 52.00%
    62.3%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 25.00%
    25.5%
  • American Century ETF Trust
    Weight: 5.00%
    6.4%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 3.00%
    4.3%
  • Vanguard Total Bond Market Index Fund ETF Shares
    Weight: 15.00%
    1.5%

Risk contribution highlights how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. The core US equity ETF is 52% of the portfolio but contributes about 62% of the risk, showing it is the main engine of variability. The international equity fund, at 25% weight, contributes roughly its fair share of risk, while the small‑cap value and American Century ETFs contribute slightly more risk than their small weights suggest. The bond ETF is 15% of assets yet only about 1.5% of total risk, acting as a significant stabilizer. The top three holdings together drive over 94% of portfolio risk, underlining how dominant the big equity funds are.

Redundant positions Info

  • American Century ETF Trust
    Avantis® U.S. Small Cap Value ETF
    High correlation

The correlation view shows that the US small‑cap value ETF and the American Century ETF have moved almost identically in the past. Correlation measures how often and how closely assets move together, on a scale from -1 to 1. When two holdings are highly correlated, they tend to rise and fall at the same time, limiting diversification benefits between them. In this case, those two satellite positions behave similarly, so they effectively act like a slightly larger single “style” sleeve rather than two independent risk reducers. That is not inherently a problem, but it’s helpful context when thinking about how many distinct drivers of return actually exist in the portfolio.

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 current portfolio sits right on or very near the efficient frontier. The efficient frontier represents the best return achievable for each level of risk using only the existing holdings in different proportions. The portfolio’s Sharpe ratio of 1.26, which measures return per unit of volatility after accounting for the risk‑free rate, is close to the minimum variance portfolio and not far from the optimal Sharpe portfolio. This suggests the current mix is already using its ingredients effectively. While a different weighting could slightly improve risk‑adjusted returns, the current allocation appears broadly efficient for its chosen risk level, which is a strong structural positive.

Dividends Info

  • Avantis® U.S. Equity ETF 1.00%
  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Vanguard Total Bond Market Index Fund ETF Shares 3.90%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • American Century ETF Trust 1.00%
  • Weighted yield (per year) 1.89%

The overall dividend yield of about 1.89% combines relatively modest stock yields with a higher income stream from bonds, where the total bond market ETF currently yields around 3.9%. Dividend yield represents the cash income paid out each year as a percentage of the investment’s price. In this portfolio, income is not the main driver of returns; growth and capital appreciation from equities play the larger role. Still, the bond allocation and international equity exposure add a meaningful income component, which can help smooth total returns over time. For investors reinvesting dividends, that cash flow quietly boosts the compounding effect in the background.

Ongoing product costs Info

  • Avantis® U.S. Equity ETF 0.15%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • American Century ETF Trust 0.20%
  • Weighted costs total (per year) 0.11%

The portfolio’s total expense ratio (TER) comes in around 0.11%, which is impressively low for a multi‑fund setup. TER reflects the annual fees charged by the ETFs, expressed as a percentage of assets. Most holdings are low‑cost index or systematic funds, with the core bond and international equity ETFs charging just 0.03% and 0.05% respectively. Keeping costs low matters because fees come off returns every year, and even small differences compound significantly over long periods. Here, the cost structure is a genuine strength: it leaves more of the portfolio’s gross performance in the investor’s hands and supports better long‑term outcomes without sacrificing diversification.

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.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey