Global stock portfolio tilted to value with strong diversification and moderate risk for long term growth
Report created on May 8, 2026Risk profile
5/7
Diversification profile
4/5
Positions
-
FZ FIDELITY ZERO TOTAL MARKET INDEX FUND
FZROX - US31635T7081 42.00% -
FZ FIDELITY ZERO INTERNATIONAL INDEX FUND
FZILX - US31635T6091 36.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 14.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 8.00%
This portfolio is a simple four-fund, 100% stock mix with a clear global structure. Two broad index funds cover the total US and international markets, together making up 78% and forming a low-cost, market-like core. The remaining 22% is in small-cap value ETFs, one US and one international, adding a more specialized tilt. This combination creates a “core and satellite” setup: the core tracks broad markets, while the satellites lean into a specific style. Structurally, this is a growth‑oriented equity portfolio with no bonds or cash buffer, so returns and ups and downs are driven entirely by stock markets rather than income or capital preservation assets.
Growth
From late 2019 to early 2026, a $1,000 investment in this mix grew to about $2,372, a Compound Annual Growth Rate (CAGR) of 14.02%. CAGR is the “average yearly speed” of growth over the whole trip, smoothing out the bumps. The worst drawdown was about -36.6% during the early 2020 crash, slightly deeper than the US and global benchmarks but with a fairly quick seven‑month recovery. Over the full period, the portfolio lagged the US market but slightly beat the global market. That pattern fits a globally diversified, value‑tilted approach: it won’t always match a US‑heavy bull run but may track more closely to broader world behavior.
Projection
The forward projection uses a Monte Carlo simulation, which basically means the system runs 1,000 alternate “what if” futures based on the historical risk and return profile. For a $1,000 starting amount over 15 years, the median outcome lands around $2,781, with a wide but plausible range from roughly $1,081 to $7,313. The overall average simulated annual return is about 8.06%. These numbers are not promises; they’re more like weather models using past patterns to map possible paths. The key takeaway is that most simulations end higher than $1,000, but outcomes vary a lot, reflecting the full‑equity nature of the portfolio.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with no allocation to bonds, cash, or alternative assets. That makes it straightforward: returns come purely from company earnings, valuations, and growth, not from fixed interest payments or real assets. A 100% equity allocation typically means higher long‑term growth potential alongside larger short‑term swings. Compared with many blended portfolios that mix stocks and bonds, this one leans firmly toward growth rather than stability. This all‑stock structure fits the historic profile seen in the performance and projection sections: strong compounding over time combined with meaningful drawdowns when markets fall sharply.
Sectors
- Technology 21%
- Financials 18%
- Industrials 14%
- Health Care 8%
- Consumer Discretionary 7%
- Energy 7%
- Telecommunications 6%
- Basic Materials 6%
- Consumer Staples 5%
- Consumer Discretionary 4%
- Utilities 2%
- Real Estate 2%
Sector exposure is broadly spread across the economy, with technology, financials, and industrials together forming a large share, and smaller allocations across health care, energy, telecom, materials, staples, utilities, and real estate. That balance looks broadly in line with global equity benchmarks, which is a positive sign for diversification. No single sector dominates to an extreme degree, so the portfolio’s fortunes are tied to overall corporate health rather than one narrow industry theme. Tech‑heavy periods may still create some extra volatility, but the mix across cyclicals, defensives, and income‑oriented sectors helps smooth the ride relative to a more concentrated bet.
Regions
- North America 60%
- Europe Developed 17%
- Japan 9%
- Asia Developed 6%
- Asia Emerging 4%
- Australasia 2%
- Africa/Middle East 2%
- Latin America 1%
Geographically, around 60% is in North America, with the rest spread across developed Europe, Japan, other developed Asia, emerging Asia, Australasia, Africa/Middle East, and Latin America. This looks quite close to global market weights, meaning the portfolio is broadly aligned with how the world’s stock markets are actually distributed. That alignment is helpful because it avoids placing a big one‑way bet on any single country or region. When one part of the world slows, others can offset it. The presence of emerging markets, even at modest weights, adds extra growth potential and risk, reflecting a truly worldwide equity spread.
Market capitalization
- Mega-cap 37%
- Large-cap 25%
- Mid-cap 17%
- Small-cap 13%
- Micro-cap 8%
By market capitalization, the portfolio spans the full spectrum: mega‑caps at 37%, large‑caps 25%, mid‑caps 17%, small‑caps 13%, and micro‑caps 8%. This is more “all‑cap” than many portfolios that cluster in mega and large only. Broader size exposure can increase diversification because smaller companies often move differently than giants. The meaningful slice in small and micro companies also introduces more volatility and the potential for bigger winners and losers. Combined with the small‑cap value ETFs, this size distribution helps explain some of the portfolio’s stronger factor tilts and slightly higher risk versus a pure large‑cap index.
True holdings
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VS ViaSat Inc 0.17%
Part of fund(s):- Avantis® U.S. Small Cap Value ETF
-
MA Matson Inc 0.13%
Part of fund(s):- Avantis® U.S. Small Cap Value ETF
-
SM SM Energy Co 0.13%
Part of fund(s):- Avantis® U.S. Small Cap Value ETF
-
AV Avnet Inc 0.12%
Part of fund(s):- Avantis® U.S. Small Cap Value ETF
-
LE Lear Corporation 0.12%
Part of fund(s):- Avantis® U.S. Small Cap Value ETF
-
GA GATX Corporation 0.11%
Part of fund(s):- Avantis® U.S. Small Cap Value ETF
-
PL Plexus Corp 0.11%
Part of fund(s):- Avantis® U.S. Small Cap Value ETF
-
FI Five Below Inc 0.11%
Part of fund(s):- Avantis® U.S. Small Cap Value ETF
-
SN Stonex Group Inc 0.11%
Part of fund(s):- Avantis® U.S. Small Cap Value ETF
-
57 Mitsui Mining and Smelting Co. 0.10%
Part of fund(s):- Avantis® International Small Cap Value ETF
- Top 10 total 1.20%
The look‑through data on underlying holdings is limited because only the top‑10 ETF positions are captured, covering about 2% of ETF assets and just 1.8% of the overall portfolio. The names that do show up, like ViaSat and a mix of smaller industrial and consumer companies, all appear via ETFs rather than as direct single‑stock positions. This suggests concentration risk is driven more by broad market exposure than by any single company dominating the portfolio. Hidden overlap is likely higher than reported, since most large index constituents are not visible in this top‑10 snapshot, but that’s normal for diversified funds.
Factors
Factor exposure shows a clear tilt toward value and low volatility, both in the “high” range, while size, momentum, and quality are close to neutral and yield is modest. In factor terms, value means the portfolio leans toward stocks trading at lower prices relative to fundamentals, and low volatility means a preference for stocks that have historically moved less dramatically. Research suggests these characteristics can behave differently from the broad market: value may lag in hot growth-led rallies but can hold up better when expensive stocks cool off, while low‑volatility tilts often soften drawdowns but may miss some sharp speculative surges.
Risk contribution
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FIDELITY ZERO TOTAL MARKET INDEX FUND
Weight: 42.00% 43.2% -
FIDELITY ZERO INTERNATIONAL INDEX FUND
Weight: 36.00% 31.5% -
Avantis® U.S. Small Cap Value ETF
Weight: 14.00% 18.0% -
Avantis® International Small Cap Value ETF
Weight: 8.00% 7.3%
Risk contribution looks at how much each holding adds to overall ups and downs, which can differ from its weight. Here, the US total market fund is 42% of assets but drives about 43% of risk, very proportional. The international index fund is 36% of assets yet only about 31% of risk, suggesting it slightly dampens volatility. The US small‑cap value ETF is notable: at 14% weight it contributes roughly 18% of risk, reflecting its more volatile small‑cap style. Overall, the top three positions drive almost 93% of portfolio risk, which is typical for a concentrated four‑fund, equity‑only structure.
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.
The efficient frontier chart compares this portfolio’s risk/return tradeoff with the best combinations possible using the same four holdings. The current mix has a Sharpe ratio of 0.58, below both the optimal portfolio (0.81) and even the minimum-variance mix (0.61). Sharpe ratio measures return per unit of risk, after accounting for the risk‑free rate, like checking how much reward you get for each “point” of volatility. At the current 19.4% risk level, the portfolio sits about 1.39 percentage points below the frontier, meaning a different weighting of these same funds could theoretically improve risk‑adjusted returns without adding new investments.
Dividends
- Avantis® International Small Cap Value ETF 2.80%
- Avantis® U.S. Small Cap Value ETF 1.30%
- FIDELITY ZERO INTERNATIONAL INDEX FUND 2.40%
- FIDELITY ZERO TOTAL MARKET INDEX FUND 0.90%
- Weighted yield (per year) 1.65%
The overall dividend yield is around 1.65%, with individual funds ranging from 0.9% to 2.8%. Yield is the annual income paid out as a percentage of the current value, like interest on a savings account but not guaranteed. This level is moderate for an all‑equity portfolio and suggests total returns have leaned more on price growth than on income. The value‑tilted small‑cap ETFs and the international index generally offer higher yields than the US total market fund, reflecting broader market patterns. Dividends here are a helpful but secondary component compared with long‑term capital appreciation.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Weighted costs total (per year) 0.06%
Costs are impressively low. The total estimated expense ratio (TER) is about 0.06% per year, driven down by the zero‑fee Fidelity index funds and only modest charges on the Avantis ETFs (0.25% and 0.36%). The TER is the annual percentage of assets kept by the fund provider to run the funds, similar to a management fee. Lower ongoing costs mean more of the portfolio’s gross returns stay compounding on your behalf rather than being skimmed off. Over long periods, even small fee differences can add up significantly, so this low‑cost structure is a real strength of the portfolio.
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