Globally diversified stock portfolio with balanced factor exposure and a tilt to growth and small value
Report created on Apr 10, 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
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VT Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 50.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 20.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 20.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 10.00%
The portfolio is a 100% stock mix built from four broad equity ETFs, with a clear core‑satellite structure. Half sits in a global total stock fund as the core, while the rest tilts toward US small value, international small value, and a concentrated growth sleeve in a NASDAQ 100 ETF. This setup combines simple global exposure with a few deliberate tilts toward both growth and value, and toward smaller companies. For a balanced‑risk profile, being fully in stocks is on the punchier side, but the diversified core helps. Someone using a structure like this would usually pair it with bonds or cash elsewhere if they need to dampen volatility.
Growth
From late 2020 to early 2026, $1,000 grew to about $2,189, a compound annual growth rate (CAGR) of 15.4%. CAGR is like the “average speed” of a road trip, smoothing out the bumps. That beats both the US market (14.5%) and global market (12.6%), which is a strong outcome. The worst drop, or max drawdown, was about –25.8%, very close to the benchmarks’ drawdowns, which shows risk has been in line with broad markets. It took 15 months to fully recover, which is normal for an all‑equity mix. Keep in mind these are short, favorable years; past results don’t guarantee similar future returns.
Projection
The Monte Carlo projection uses thousands of randomized paths based on historical volatility and returns to imagine many possible futures. Think of it as replaying history with the same dice but in different sequences. Over 15 years, the median outcome turns $1,000 into around $2,670, roughly an 8% annualized return across all simulations. However, the range is wide: in 1 out of 20 cases, ending values are under about $940, and in the top 5% they exceed $8,000. About 72% of simulations finish positive. These numbers are not promises; they simply illustrate that outcomes can vary a lot even when using the same underlying return characteristics.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with zero allocation to bonds, cash, or alternative assets. That means full exposure to equity market upside, but also to equity market drawdowns. For a “balanced” risk profile, many investors would typically mix in some lower‑volatility assets to smooth the ride and support withdrawals. The upside of this all‑equity stance is higher long‑term growth potential, especially if the time horizon is long and interim swings are manageable. The trade‑off is that in severe downturns there is no natural stabilizer in the mix, so account values can move sharply and require emotional discipline to stay invested.
Sectors
- Technology 25%
- Financials 15%
- Consumer Discretionary 13%
- Industrials 12%
- Telecommunications 8%
- Energy 7%
- Health Care 7%
- Basic Materials 6%
- Consumer Staples 6%
- Utilities 2%
- Real Estate 2%
Sector exposure is fairly broad but leans toward technology at 25%, with financials, consumer discretionary, and industrials also playing big roles. A quarter in tech is similar to major global benchmarks, meaning this allocation is modern and growth‑oriented but not extreme. Tech‑heavy allocations tend to do well during innovation booms and periods of low or falling interest rates, yet they can be choppier when rates rise or when growth stocks fall out of favor. The presence of meaningful weight in financials, industrials, energy, and consumer staples adds balance and helps spread economic risk across different business cycles and drivers of earnings.
Regions
- North America 72%
- Europe Developed 11%
- Japan 6%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 72% is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and small slices of emerging regions. That US‑heavy stance is fairly close to global market weights, so it aligns well with common benchmarks and global capitalization. This alignment is a positive: it reduces the risk of being overly tied to one smaller region while still capturing US economic strength and innovation. The modest but real exposure to Europe, Japan, and emerging markets adds currency and policy diversification. The trade‑off is that returns remain heavily linked to the health of the US economy and dollar.
Market capitalization
- Mega-cap 32%
- Large-cap 23%
- Mid-cap 17%
- Small-cap 17%
- Micro-cap 10%
The portfolio spans the full market‑cap spectrum, from mega‑caps at 32% down through large and mid caps, and a sizable 27% in small and micro caps. That’s more small‑company exposure than a typical world index, which usually tilts strongly to mega and large caps. Smaller companies tend to be more volatile day‑to‑day but can offer higher long‑term growth if they are well‑run and reasonably priced. This mix means the portfolio doesn’t rely solely on the giant household names; it also participates in the more entrepreneurial segment of the market. The trade‑off is a bumpier ride, especially during economic stress.
True holdings
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NV NVIDIA Corporation 3.61%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
AA Apple Inc 3.26%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
MS Microsoft Corporation 2.43%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
AM Amazon.com Inc 1.83%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.52%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.32%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.31%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
AV Broadcom Inc 1.26%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
TS Tesla Inc 1.22%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total World Stock Index Fund ETF Shares
-
WM Walmart Inc. Common Stock 0.69%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 18.45%
Looking through ETF top holdings, the biggest underlying exposures are the familiar mega‑cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Meta. Each sits around 1–4% of the total portfolio, and some appear across multiple ETFs, especially the global and NASDAQ funds. This creates hidden concentration: several funds may rise or fall together because of the same underlying giants. That said, no single company dominates the overall portfolio, which is healthy. Overlap might be higher than shown because only ETF top‑10s are used. In practice, this means performance is meaningfully influenced by a handful of large US tech and consumer names.
Factors
Factor exposures are broadly neutral across value, size, momentum, quality, yield, and low volatility, all hovering near the 50% “market‑like” level. Factor exposure is basically how much a portfolio leans into certain characteristics, like cheapness (value) or stability (low volatility), that research links to returns. In this case, there aren’t strong tilts in any one direction, despite the explicit small‑cap value sleeves, because the large core and growth sleeve offset them. A well‑balanced factor profile like this can be helpful: it avoids over‑reliance on any single style working, which may make performance more consistent across different market regimes.
Risk contribution
-
Vanguard Total World Stock Index Fund ETF Shares
Weight: 50.00% 45.3% -
Avantis® U.S. Small Cap Value ETF
Weight: 20.00% 23.2% -
Invesco NASDAQ 100 ETF
Weight: 20.00% 23.0% -
Avantis® International Small Cap Value ETF
Weight: 10.00% 8.5%
Risk contribution looks at how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. The global stock ETF is 50% of the portfolio but contributes about 45% of the risk, slightly less than its weight because it’s broadly diversified. The US small value and NASDAQ ETFs are each 20% of the portfolio yet contribute about 23% of risk each, meaning they are a bit punchier than their sizes. The international small value fund contributes slightly less risk than its 10% weight. In total, the top three funds drive over 90% of volatility, so sizing those thoughtfully is key.
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 mix has a Sharpe ratio of 0.69, which measures return per unit of risk above cash. The optimal combination of these same funds (max Sharpe) reaches 1.04 at slightly higher return and similar risk, while the minimum‑variance mix delivers lower risk with a better Sharpe than the current setup. The current portfolio sits about 3 percentage points below the efficient frontier at its risk level, meaning it’s not using these building blocks as efficiently as possible. In plain terms, just reweighting the existing funds — without adding anything new — could improve the balance between risk and reward.
Dividends
- Avantis® International Small Cap Value ETF 2.80%
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco NASDAQ 100 ETF 0.50%
- Vanguard Total World Stock Index Fund ETF Shares 1.70%
- Weighted yield (per year) 1.49%
The portfolio’s total dividend yield sits around 1.49%, with the higher‑yielding international small value fund at 2.8% and the NASDAQ ETF at just 0.5%. Dividends are the cash payouts companies distribute from profits, and they can be an important piece of total return, especially for income‑focused investors. Here, the relatively low overall yield fits a growth‑oriented equity mix that leans into companies reinvesting for expansion. For someone in the accumulation phase, this can be fine, as returns mainly come from price appreciation. For those needing current income, this level would usually be supplemented by other income sources or lower‑volatility income assets.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- Weighted costs total (per year) 0.15%
The weighted average expense ratio is about 0.15%, which is impressively low for an actively tilted, multi‑fund global equity approach. The core global ETF is particularly cheap at 0.07%, and even the more specialized small value funds are reasonably priced for their category. Costs act like friction on returns every single year, so keeping them down is a quiet but powerful advantage, especially over decades. Relative to typical equity fund fees, this structure is very cost‑efficient. That means more of the portfolio’s gross return is likely to end up in the investor’s pocket, supporting better long‑term compounding.
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