Globally diversified all stock portfolio with efficient structure and momentum tilt in recent performance
Report created on May 1, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
AV American Century ETF Trust
AVGV - US0250722164 40.00% -
VT Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 30.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 20.00% -
FR Freedom 100 Emerging Markets ETF
FRDM - US02072L6074 10.00%
This portfolio is built entirely from four equity ETFs, so everything here is in stocks rather than bonds or cash. The largest piece is the American Century ETF at 40%, followed by a 30% global index fund, a 20% US momentum ETF, and 10% in a freedom-focused emerging markets ETF. That structure blends broad, “own almost everything” exposure with a couple of more focused tilts. A 100% stock mix tends to bring higher long‑term growth potential but also sharper ups and downs along the way. Overall, this is a fairly concentrated four‑fund setup, but the underlying holdings spread out across many companies and regions, which helps with diversification.
Growth
Over the period from mid‑2023 to April 2026, a $1,000 investment in this portfolio grew to about $1,885. That translates to a compound annual growth rate (CAGR) of 25.27%, which is how much it grew per year on average, similar to an average speed over a road trip. This comfortably outpaced both the US market (20.51%) and global market (19.63%). The worst drop from peak to trough, or max drawdown, was -17.02%, slightly milder than the US market’s drawdown. A key detail is that 90% of returns came from just 25 days, showing how a handful of strong days can drive overall results, and why staying invested matters.
Projection
The Monte Carlo projection simulates 1,000 possible 15‑year paths using the portfolio’s past behavior. Monte Carlo is basically a “what if” engine: it shuffles returns in many random ways, based on historical patterns, to see a range of outcomes. Here, the median scenario turns $1,000 into about $2,794, or an annualized 7.95% return across all simulations. But the range is wide: in 90% of cases, outcomes fall between roughly $964 and $7,312. About 73% of simulations end positive, showing odds tilt toward growth but with real downside risk. These are statistical sketches, not promises — future markets can differ a lot from history.
Asset classes
- Stocks 100%
All of this portfolio sits in one asset class: stocks. There is no explicit allocation to bonds, real estate funds, or cash. Equity‑only portfolios usually have more growth potential than mixed stock‑bond blends, but they also tend to swing more when markets get rough. Compared with common “balanced” mixes, which often include a meaningful bond slice, this structure will take more of its cues from global stock markets. The diversification here comes from owning many different companies through ETFs rather than from mixing multiple asset classes. That can work well in strong equity periods but may feel more intense during broad stock market sell‑offs.
Sectors
- Technology 26%
- Financials 17%
- Industrials 14%
- Consumer Discretionary 10%
- Energy 7%
- Telecommunications 7%
- Health Care 6%
- Basic Materials 5%
- Consumer Staples 5%
- Utilities 2%
- Real Estate 2%
Sector‑wise, technology is the largest slice at 26%, followed by financials at 17% and industrials at 14%. The rest is spread across consumer areas, energy, telecom, health care, materials, staples, utilities, and real estate in single‑digit percentages. This is a reasonably broad spread and generally lines up with global equity benchmarks, which is a good sign for diversification. The tech weight is meaningful but not extreme, especially given the strong recent run of many technology‑related names. Portfolios with a visible tech presence can benefit when innovation and growth stories are in favor, but they can be more sensitive when interest rates rise or sentiment turns against high‑growth businesses.
Regions
- North America 65%
- Europe Developed 10%
- Asia Developed 8%
- Asia Emerging 4%
- Japan 4%
- Latin America 4%
- Africa/Middle East 2%
- Australasia 1%
- Europe Emerging 1%
Geographically, about 65% of the portfolio is in North America, with Europe developed at 10%, Asia developed at 8%, and smaller slices across Asia emerging, Japan, Latin America, Africa/Middle East, Australasia, and emerging Europe. This creates a fairly global footprint while still leaning toward North America, which is in line with many global stock indices where US companies dominate by market size. That alignment with common benchmarks is helpful because it reduces the risk of being heavily tied to one smaller region. At the same time, having material exposure outside North America means company earnings come from many economies and currencies, which can smooth the impact of local shocks.
Market capitalization
- Large-cap 33%
- Mega-cap 32%
- Mid-cap 21%
- Small-cap 10%
- Micro-cap 4%
The market cap mix is spread across mega‑caps (32%), large‑caps (33%), mid‑caps (21%), small‑caps (10%), and micro‑caps (4%). That means roughly two‑thirds of the portfolio sits in bigger, more established companies, while about a third is in smaller firms. Larger companies often bring more stability and liquidity, whereas smaller ones can be more volatile but sometimes offer higher growth potential. This blend is reasonably balanced and not overly skewed to any one size bucket. Having exposure across the size spectrum can help the portfolio participate in different parts of the market cycle, since leadership often rotates between large‑caps and smaller companies over time.
True holdings
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NV NVIDIA Corporation 3.16%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
AV Broadcom Inc 2.03%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
MU Micron Technology Inc 1.86%
Part of fund(s):- American Century ETF Trust
- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Invesco S&P 500® Momentum ETF
-
GO Alphabet Inc Class A 1.49%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
AA Apple Inc 1.48%
Part of fund(s):- American Century ETF Trust
- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.20%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
XO Exxon Mobil Corp 1.09%
Part of fund(s):- American Century ETF Trust
- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Invesco S&P 500® Momentum ETF
-
SS Samsung Electronics Co Ltd 1.06%
Part of fund(s):- Freedom 100 Emerging Markets ETF
-
AM Amazon.com Inc 1.03%
Part of fund(s):- American Century ETF Trust
- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
LR Lam Research Corp 1.02%
Part of fund(s):- American Century ETF Trust
- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Invesco S&P 500® Momentum ETF
- Top 10 total 15.43%
Looking through the ETFs’ top holdings, the largest individual company exposures are still relatively modest. NVIDIA is the biggest at about 3.16% of the portfolio, followed by Broadcom, Micron, Alphabet (both share classes), Apple, Exxon Mobil, Samsung, Amazon, and Lam Research, all around 1–2%. Some names appear in several funds, which creates hidden overlap, especially among big US tech and semiconductor firms. That overlap is natural in global and US‑focused ETFs, and at these levels it doesn’t create extreme single‑stock concentration. Still, it means a handful of large growth and tech‑related companies quietly drive a noticeable share of the portfolio’s behavior when those stocks swing.
Factors
The factor exposure profile here is very even, with all six factors — value, size, momentum, quality, yield, and low volatility — sitting in the neutral band around 50%. Factor exposure describes how much a portfolio leans into characteristics that research has linked to returns, like cheapness (value) or recent winners (momentum). A neutral reading means the mix behaves broadly like the overall market, without strong tilts toward or away from any one style. That balance can be reassuring: the portfolio is not heavily dependent on one factor working well. Different environments tend to favor different factors, so a neutral stance can help avoid big style whiplash.
Risk contribution
-
American Century ETF Trust
Weight: 40.00% 37.8% -
Vanguard Total World Stock Index Fund ETF Shares
Weight: 30.00% 28.0% -
Invesco S&P 500® Momentum ETF
Weight: 20.00% 22.8% -
Freedom 100 Emerging Markets ETF
Weight: 10.00% 11.4%
Risk contribution shows how much each ETF adds to the portfolio’s overall ups and downs, which can differ from its percentage weight. Here, the American Century ETF and Vanguard global ETF together account for about two‑thirds of total risk, roughly in line with their combined 70% weight. The momentum ETF and emerging markets ETF each contribute slightly more risk than their weights (risk/weight of 1.14), meaning they punch a bit above their size in terms of volatility. The top three funds contribute 88.59% of risk, so portfolio behavior is still mainly driven by those core positions. This is a fairly coherent pattern for a concentrated four‑ETF lineup.
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 risk‑return chart shows this portfolio sitting on or very close to the efficient frontier. The efficient frontier is the curve of best possible return for each level of risk using the existing holdings in different weightings. The current mix has a Sharpe ratio of 1.28, just above the minimum‑variance portfolio’s 1.27 and below the optimal portfolio’s 1.72. Sharpe ratio compares return to volatility after adjusting for a risk‑free rate, so higher means better risk‑adjusted performance. Being on the frontier is a positive sign: it suggests the current allocation is using these four ETFs in a way that’s already quite efficient for the level of risk being taken.
Dividends
- American Century ETF Trust 1.90%
- Freedom 100 Emerging Markets ETF 1.80%
- Invesco S&P 500® Momentum ETF 0.80%
- Vanguard Total World Stock Index Fund ETF Shares 1.70%
- Weighted yield (per year) 1.61%
The portfolio’s overall dividend yield is about 1.61%, with individual funds ranging from 0.8% to around 1.9%. Dividend yield is the cash income paid out each year as a percentage of the current price. Here, most of the portfolio’s return potential is driven by price movements rather than income. That’s common for globally diversified growth‑oriented equity mixes, especially those with exposure to sectors and regions where companies reinvest more profits instead of paying them out. Dividends still provide a steady, smaller contribution to total return and can help cushion downturns slightly, but this setup is clearly more about capital appreciation than high ongoing cash payouts.
Ongoing product costs
- American Century ETF Trust 0.26%
- Freedom 100 Emerging Markets ETF 0.49%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- Weighted costs total (per year) 0.20%
The weighted average ongoing cost, or TER, for this portfolio is about 0.20% per year, with individual ETFs ranging from 0.07% to 0.49%. TER (Total Expense Ratio) is like a built‑in management fee that reduces returns slightly each year, even though you don’t see it as a separate bill. A 0.20% total cost is impressively low for a four‑fund, globally diversified equity portfolio. Lower costs matter because they compound over time: every fraction of a percent you don’t pay in fees stays invested and has the chance to grow. From a cost perspective, this is a strong foundation that supports better long‑term performance.
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