Growth tilted global stock portfolio with strong value focus and broad size diversification
Report created on Jun 1, 2024Risk profile
5/7
Diversification profile
4/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 42.00% -
VE Vanguard FTSE Developed Markets Index Fund ETF Shares
VEA - US9219438580 24.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 14.00% -
VW Vanguard FTSE Emerging Markets Index Fund ETF Shares
VWO - US9220428588 12.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 8.00%
The portfolio is a simple but effective all-stock mix using five broad equity ETFs. About two-fifths sits in a total US market fund, with the rest spread across developed ex-US, emerging markets, and dedicated small-cap value strategies in both the US and international markets. This structure makes the core very “market-like” while adding focused tilts through the small-cap value sleeves. That blend is relevant because it keeps things understandable while still targeting potential long-term return enhancements. The big takeaway is that this is a high-equity, growth-oriented setup that accepts meaningful volatility in exchange for long-run growth potential, powered by a low-cost, mostly passive foundation with a couple of smart-tilt satellites.
Growth
Historically, $1,000 grew to about $2,114, a compound annual growth rate (CAGR) of 12.24%. CAGR is the “average speed” of growth over time, smoothing out ups and downs. This result slightly lagged the US market but beat the global market, which is encouraging given the higher international and value exposure. The worst peak-to-trough drop (max drawdown) was about -36.7%, deeper than many investors are emotionally prepared for. That shows the reality of a growth-minded, 100% equity allocation. The main takeaway: performance has been solid and globally competitive, but the ride is bumpy, so this setup suits someone willing to sit through big swings without bailing.
Asset classes
- Stocks 100%
All assets are in stocks, with 0% in bonds, cash, or alternatives. That pure-equity posture maximizes growth potential but also maximizes exposure to market downturns. Asset classes behave differently in various environments; bonds, for example, often cushion equity drawdowns, while cash provides dry powder and stability. By skipping those buffers, the portfolio leans fully into long-term return at the cost of near-term comfort. The upside is simplicity and high expected growth. The tradeoff is that drawdowns can be sharp and prolonged. A key takeaway is that this structure suits someone with a long horizon and strong stomach, but it offers little help if money might be needed soon.
Sectors
- Technology 21%
- Financials 18%
- Industrials 14%
- Consumer Discretionary 11%
- Health Care 8%
- Energy 7%
- Telecommunications 6%
- Basic Materials 6%
- Consumer Staples 5%
- Utilities 2%
- Real Estate 2%
Sector exposure is fairly broad, with technology the largest slice at about 21%, followed by meaningful allocations to financials and industrials and smaller amounts across the rest. This looks close to a diversified global equity profile rather than an extreme bet on any single area. Sector diversification helps because different parts of the economy lead at different times; tech may shine in innovation cycles, while financials or energy might benefit from rate or commodity swings. A balanced spread reduces the risk that one struggling area dominates returns. The key takeaway: this sector mix is well-balanced and aligns closely with global standards, supporting healthy diversification without obvious sector overconcentration.
Regions
- North America 59%
- Europe Developed 15%
- Japan 8%
- Asia Emerging 6%
- Asia Developed 6%
- Australasia 2%
- Africa/Middle East 2%
- Latin America 1%
Geographically, about 59% is in North America with the rest spread across developed Europe, Japan, other developed Asia, emerging Asia, and smaller allocations to other regions. That’s more globally diversified than a typical US-only portfolio and closer to worldwide market weights. Geographic diversification matters because economic growth, currencies, and policy cycles differ across regions, smoothing out local shocks. For instance, weakness in one region can sometimes be offset by strength elsewhere. This allocation is well-balanced and aligns closely with global standards, which is a strong indicator of risk spreading. The main takeaway: the portfolio doesn’t overly depend on a single country’s fortunes, which supports long-term resilience.
Market capitalization
- Mega-cap 34%
- Large-cap 24%
- Mid-cap 19%
- Small-cap 14%
- Micro-cap 8%
Market-cap exposure is nicely layered: about one-third in mega-caps, nearly a quarter in large-caps, and meaningful slices in mid, small, and even micro-caps. That’s more size-diversified than a typical cap-weighted global index, which tends to be very top-heavy in mega-caps. Different size segments behave differently; smaller companies often have higher growth potential and volatility, while mega-caps tend to be more stable but slower-growing. This spread can enhance long-run returns but will make the ride more jagged at times. The takeaway is that the size profile is thoughtfully diversified, giving exposure to both global giants and more nimble smaller businesses, consistent with a growth-tilted, patient strategy.
True holdings
-
NV NVIDIA Corporation 2.60%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 2.47%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 1.85%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.52%
Part of fund(s):- Vanguard FTSE Emerging Markets Index Fund ETF Shares
-
AM Amazon.com Inc 1.28%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.15%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 0.96%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 0.91%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.89%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 0.72%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 14.35%
Looking through the ETFs’ top holdings, the largest underlying exposures are familiar mega-cap names like NVIDIA, Apple, Microsoft, and Taiwan Semiconductor, each under about 3% of the portfolio. Overlap is present but not extreme, which is typical since broad index funds tend to own the same giants. Because only top-10 ETF positions are considered, real overlap is likely a bit higher, but still reasonably diversified across many companies. This matters because hidden concentration can sneak in when the same names appear in multiple funds. Here, the mega-cap exposure looks meaningful yet not dominant, suggesting a good balance between capturing market leaders and avoiding a single-stock-heavy profile.
Factors
Factor exposure shows a notable tilt toward value, at about 63%, while size, momentum, quality, yield, and low volatility all sit around neutral. Factors are like underlying “personality traits” of stocks that research links to returns over decades. A value tilt means more exposure to companies trading cheaply relative to fundamentals, which historically has sometimes rewarded patient investors but can lag for long stretches. With other factors roughly market-like, the portfolio is not heavily skewed toward momentum, defensive, or income styles. The big takeaway: this is essentially a broad market portfolio with a purposeful value lean, which may shine when value cycles strengthen but can feel out of favor at times.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 42.00% 42.3% -
Vanguard FTSE Developed Markets Index Fund ETF Shares
Weight: 24.00% 22.1% -
Avantis® U.S. Small Cap Value ETF
Weight: 14.00% 18.0% -
Vanguard FTSE Emerging Markets Index Fund ETF Shares
Weight: 12.00% 10.4% -
Avantis® International Small Cap Value ETF
Weight: 8.00% 7.2%
Risk contribution shows how much each ETF drives overall volatility, which can differ from simple weights. The total US stock fund is 42% of assets and contributes a very similar 42% of risk, indicating it behaves as a steady core. The US small-cap value fund, at 14% weight, contributes about 18% of risk, meaning it punches above its size due to higher volatility. That’s expected with smaller, value-tilted holdings. This information matters because a seemingly modest slice can meaningfully affect the portfolio’s ups and downs. The key takeaway: growth and risk are sensibly anchored in the broad core, with the small-cap value sleeve as the main “risk amplifier” and return enhancer.
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 below the efficient frontier, meaning it’s not getting the maximum expected return for its level of volatility given the existing funds. The Sharpe ratio, which measures return per unit of risk, is 0.59 for the current mix versus 0.74 for the optimal combination using the same ETFs. The optimal point offers higher expected return with slightly lower risk, purely by changing weights. This shows there’s room to fine-tune the allocation without adding new products. The main takeaway: modest reweighting toward the efficient frontier could improve risk-adjusted returns while keeping the same building blocks and overall philosophy.
Dividends
- Avantis® International Small Cap Value ETF 3.10%
- Avantis® U.S. Small Cap Value ETF 1.40%
- Vanguard FTSE Developed Markets Index Fund ETF Shares 3.00%
- Vanguard Total Stock Market Index Fund ETF Shares 1.20%
- Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.99%
The overall dividend yield is around 1.99%, with higher payouts coming from developed ex-US and international small-cap value holdings, and lower yields from broad US and US small-cap value funds. Yield is the cash income received as dividends relative to investment size. While this isn’t a high-income setup, dividends still provide a modest, steady component of total return on top of price gains. For growth-focused investors, reinvesting these dividends can quietly turbocharge compounding over time. The key takeaway: this portfolio is oriented more toward total return than income, but it still delivers a reasonable, globally sourced yield that can support reinvestment or modest cash needs.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
- Weighted costs total (per year) 0.10%
The weighted average expense ratio is impressively low at about 0.10%. Expense ratios are annual fees charged by funds, and even small differences compound significantly over decades. Most of the exposure comes from ultra-low-cost index funds, with slightly higher fees on the targeted small-cap value ETFs, which is typical for more specialized strategies. This cost profile is very much in line with best practices for long-term investing. Low costs mean more of the portfolio’s return stays in the investor’s pocket instead of going to fund providers. The clear takeaway: the costs are impressively low, supporting better long-term performance and leaving more room for compounding to work.
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