Concentrated global stock portfolio with strong value tilt and moderate diversification across size and sectors
Report created on Apr 18, 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.
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 40.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 20.00% -
IT iShares U.S. Aerospace & Defense ETF
ITA - US4642887602 5.00% -
SO iShares Semiconductor ETF
SOXX - US4642875235 5.00%
This portfolio is 100% in equities, spread across five broad, low-cost ETFs. The core is a large position in a broad US index fund, paired with a significant global ex‑US fund, plus a dedicated US small-cap value ETF and two targeted industry ETFs for aerospace and semiconductors. Being fully in stocks means meaningful growth potential but also bigger swings in value, especially in sharp market downturns. The structure is generally sound: a broad core with a few higher-octane “satellites.” For someone focused on long-term growth, this type of setup can work well, as long as the volatility and lack of bonds or cash fits their comfort level and time horizon.
Growth
Over the period since late 2019, $1,000 grew to about $2,547, a compound annual growth rate (CAGR) of 15.38%. CAGR is like your average speed on a long road trip, smoothing out bumps along the way. That’s slightly behind the US market but ahead of the global market, which is a solid outcome given the international allocation and factor tilt. The portfolio saw a max drawdown of about -37% during early 2020, deeper than both benchmarks. Drawdown is how far you fell from peak to trough. The key takeaway: returns have been strong, but you had to live through sharp drops, which is typical for an all‑equity growth setup.
Projection
The Monte Carlo projection simulates 1,000 possible 15‑year paths based on historical return and volatility patterns. Think of it as running the same movie with slightly different weather each time to see a range of endings. The median outcome grows $1,000 to about $2,793, with a wide “likely” band and some paths much higher or barely breaking even. The average annual return across simulations is 8.14%, but results range from flat to very strong. This highlights that even with a growth‑focused portfolio, outcomes are uncertain and can vary widely. Historical patterns guide these simulations, but future markets won’t follow them exactly.
Asset classes
- Stocks 100%
Asset‑class exposure is straightforward: 100% stocks, with no bonds, cash, or alternatives. That simplifies things but also means no built‑in shock absorbers during equity bear markets. Compared with typical balanced benchmarks that hold a mix of stocks and bonds, this setup will likely experience higher volatility and deeper drawdowns, but also more upside in strong equity markets. For someone early in their investing journey or with a long horizon, that tradeoff can be acceptable. For someone nearing large withdrawals, the absence of lower‑risk assets could make portfolio swings feel more uncomfortable or force selling at bad times.
Sectors
- Technology 24%
- Financials 17%
- Industrials 16%
- Consumer Discretionary 10%
- Health Care 7%
- Energy 6%
- Telecommunications 6%
- Consumer Staples 5%
- Basic Materials 4%
- Utilities 2%
- Real Estate 2%
Sector allocation is fairly broad, with technology the largest slice at 24%, followed by financials and industrials, then consumer and health‑related areas, plus smaller exposure to energy, telecoms, staples, materials, utilities, and real estate. This is reasonably close to broad global equity benchmarks, but the dedicated semiconductor and aerospace ETFs add a bit of extra cyclical punch. Tech‑heavy exposure tends to do well in growth and innovation cycles but can be hit hard when interest rates rise or when markets rotate toward more defensive, boring businesses. Overall, the sector mix is well balanced and aligns closely with diversified global standards.
Regions
- North America 71%
- Europe Developed 12%
- Asia Developed 5%
- Japan 5%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 71% is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and smaller slices in emerging regions. This is slightly US‑heavy but still much more global than a pure domestic portfolio. Relative to a world market benchmark, US exposure is a bit elevated, but not extreme. The upside is capturing US innovation and earnings growth; the downside is added dependence on one economy, currency, and policy environment. The non‑US positions are a meaningful diversifier and help push returns closer to global trends rather than being fully tied to one market’s fortunes.
Market capitalization
- Mega-cap 34%
- Large-cap 29%
- Mid-cap 15%
- Small-cap 12%
- Micro-cap 9%
By market cap, the portfolio tilts toward larger companies, with about 34% in mega‑caps and 29% in large‑caps, then 15% mid‑caps and a sizable 21% combined in small and micro‑caps. That’s more small‑company exposure than a typical cap‑weighted global index, mainly driven by the small‑cap value ETF. Larger firms usually offer more stability and liquidity, while smaller ones tend to be more volatile but can deliver higher long‑term returns. This blend gives you a nice mix: a stable anchor in mega‑caps plus a growth‑oriented kicker from smaller stocks, accepting that this will add some extra bumpiness to the ride.
True holdings
-
NV NVIDIA Corporation 3.42%
Part of fund(s):- Vanguard S&P 500 ETF
- iShares Semiconductor ETF
-
AA Apple Inc 2.66%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 1.97%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.46%
Part of fund(s):- Vanguard S&P 500 ETF
- iShares Semiconductor ETF
-
AM Amazon.com Inc 1.46%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.20%
Part of fund(s):- Vanguard S&P 500 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.04%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 0.96%
Part of fund(s):- Vanguard S&P 500 ETF
-
GE GE Aerospace 0.93%
Part of fund(s):- iShares U.S. Aerospace & Defense ETF
-
ME Meta Platforms Inc. 0.90%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 15.98%
Looking through the ETFs, the top underlying names are familiar mega‑cap tech and growth giants like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Meta, plus Taiwan Semiconductor and GE Aerospace. Several of these appear across multiple ETFs, which creates hidden concentration: NVIDIA at 3.42% and Apple at 2.66% are good examples. Because only ETF top‑10 holdings are captured, actual overlap is likely higher. This overlap means that even though you hold many funds, a handful of large companies still drive a meaningful part of returns. That’s not inherently bad, but it does tie your fortunes partly to how these big tech and chip names perform.
Factors
The standout factor tilt here is value at 64%, which is above the neutral 50% baseline. Factor exposure is like measuring how much your portfolio leans into traits research has linked to returns, such as cheapness (value) or quality. A higher value score means more exposure to companies trading at lower valuations relative to fundamentals. Historically, value has gone through long cycles of under‑ and out‑performance; when it’s in favor, returns can be strong, but it can lag during growth‑driven markets. Other factors such as size, momentum, quality, yield, and low volatility sit near neutral, so the main “personality” tilt is toward value.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 40.00% 37.6% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 25.3% -
Avantis® U.S. Small Cap Value ETF
Weight: 20.00% 24.7% -
iShares Semiconductor ETF
Weight: 5.00% 7.4% -
iShares U.S. Aerospace & Defense ETF
Weight: 5.00% 5.1%
Risk contribution shows how much each holding drives overall ups and downs, which can differ from simple weights. Your three core funds make up 90% of the weight but about 88% of the risk, which is fairly aligned. The US small‑cap value ETF contributes more risk than its size suggests, with a risk/weight ratio of 1.23, and the semiconductor ETF is even punchier at 1.47. That means those two smaller satellites move the needle more than their 25% combined weight hints. If the goal is to smooth volatility, trimming or balancing high‑risk‑contribution positions is one lever; if higher risk is acceptable, their punch can be beneficial.
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. The efficient frontier represents the best expected return achievable for each risk level using just your existing holdings in different mixes. The current Sharpe ratio—return per unit of risk—is 0.6, while the optimal combination reaches 0.9 and the minimum‑variance mix still beats it at 0.65. Being about 1.2 percentage points below the frontier at the same risk means there’s room to improve efficiency simply by reweighting what you already own, without adding new funds. The existing choices are solid; the fine‑tuning opportunity is mainly in how much of each you hold.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- iShares U.S. Aerospace & Defense ETF 0.50%
- iShares Semiconductor ETF 0.40%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.58%
The portfolio’s overall dividend yield is around 1.58%, with the international fund providing the highest yield and the more growth‑oriented or niche funds yielding less. Dividend yield is the annual cash payout as a percentage of current price, like an interest payment but not guaranteed. For a growth‑oriented equity mix, this level is pretty typical and suggests that most of the return is expected from price appreciation, not income. That’s fine for long‑term accumulators. For someone seeking current cash flow, the yield here would feel modest, and they would likely rely more on planned withdrawals than on dividends to fund spending.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- iShares U.S. Aerospace & Defense ETF 0.40%
- iShares Semiconductor ETF 0.35%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.11%
The total expense ratio (TER) across the portfolio is about 0.11%, which is impressively low. TER is the annual fee charged by funds, expressed as a percentage of assets—like a small haircut taken each year. Given the strong tilt toward Vanguard core funds and only one moderately priced active‑style ETF, ongoing costs are well controlled. Over long periods, keeping fees low is one of the few things investors can reliably influence, and this portfolio does that well. Relative to many actively managed setups charging several times more, this cost structure is a real strength and supports better long‑term performance.
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