Broad equity portfolio mixing total market exposure with value small caps and focused dividend and tech tilts

Report created on May 23, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is built entirely from six stock ETFs, with broad “total market” funds at its core. Around 60% sits in low-cost US and international total stock ETFs, giving a foundation that closely tracks global equity markets. The remaining 40% is split across US and international small-cap value, a NASDAQ 100 growth slice, and a US dividend ETF. This structure blends market-weighted exposure with clear tilts toward value, small caps, quality dividends, and large growth tech. Structurally, that means the portfolio behaves like a diversified equity portfolio, but not a pure index: those extra building blocks nudge it away from simply mirroring the global market and create some distinct performance and risk patterns over time.

Growth Info

From late 2020 to May 2026, a hypothetical $1,000 in this portfolio grew to $2,245, implying a 15.56% compound annual growth rate (CAGR). CAGR is the “steady speed” that would turn $1,000 into that final value if growth were smooth each year. Over the same period the US market grew slightly faster at 15.96%, while the global market returned 13.78%. So the portfolio roughly kept pace with US stocks while clearly beating the wider global benchmark. Max drawdown, the worst peak-to-trough drop, was -24.77%, very similar to the US market and milder than the global market, indicating that downside so far has been typical for a diversified equity mix.

Projection Info

The Monte Carlo projection looks ahead 15 years by randomly reordering and combining past returns to create 1,000 alternative futures. It’s like running the portfolio through many different “weather patterns” based on historical data. The median outcome grows $1,000 to about $2,818, or an implied 8.23% annualized across simulations. The range is wide: roughly $984 to $7,912 between the 5th and 95th percentiles. This shows how uncertain long-term equity outcomes can be even with the same starting portfolio. It’s also important to keep in mind that these simulations lean on past return and volatility patterns, which may not repeat in the same way.

Asset classes Info

  • Stocks
    100%

All of the portfolio is invested in stocks, with 0% in bonds or cash-like assets. That creates clear growth potential but also means portfolio swings are entirely driven by equity markets. In mixed portfolios, bonds can act like a shock absorber, often moving differently from stocks, especially in stress periods. Here, any cushion must come from diversification within equities rather than from different asset classes. This all-stock stance is consistent with the “Balanced” label only in the sense that diversification is achieved across regions, sizes, and styles rather than via safer assets, so day-to-day and year-to-year moves will likely stay equity-like.

Sectors Info

  • Technology
    25%
  • Financials
    15%
  • Industrials
    12%
  • Consumer Discretionary
    11%
  • Health Care
    8%
  • Telecommunications
    7%
  • Energy
    7%
  • Consumer Staples
    6%
  • Basic Materials
    5%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is reasonably broad, but not neutral. Technology is the largest slice at 25%, above what many broad global indices show, helped by the NASDAQ 100 ETF and the tech-heavy names in the core US fund. Financials, industrials, consumer discretionary, and health care also have meaningful weights, while utilities and real estate are small at 2% each. A tech-tilted allocation often benefits when growth companies lead and interest rates are stable or falling, but it can see sharper moves when rates rise or sentiment turns against high-growth names. Still, the spread across multiple non-tech sectors supports diversification if leadership rotates over time.

Regions Info

  • North America
    68%
  • Europe Developed
    13%
  • Japan
    7%
  • Asia Developed
    4%
  • Asia Emerging
    3%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, the portfolio is anchored in North America at 68%, with Europe developed at 13%, Japan at 7%, and the rest spread across developed and emerging regions. This creates a clear US and North American lean compared with a typical global index, where the US is big but not quite this dominant. A tilt like this has been rewarded over the last decade, as US stocks outperformed many other markets. The trade-off is that portfolio results remain closely tied to the fortunes of one main economy and currency. The presence of Europe, Japan, and multiple smaller regions does, however, provide some diversification away from a single market narrative.

Market capitalization Info

  • Mega-cap
    31%
  • Large-cap
    29%
  • Mid-cap
    20%
  • Small-cap
    12%
  • Micro-cap
    6%

The market-cap breakdown shows 31% in mega-caps and 29% in large-caps, together just over 60% in big established companies. Mid-caps at 20%, small-caps at 12%, and micro-caps at 6% add a noticeable tilt toward smaller companies compared with pure large-cap benchmarks. Smaller companies often have more room to grow but can also be more volatile and sensitive to economic cycles. This mix means the portfolio doesn’t just ride on the very largest global names. Instead, it has a meaningful allocation to the “middle and lower shelves” of the market, which can create different behavior from a standard large-cap index over full cycles.

True holdings Info

  • NVIDIA Corporation
    3.22%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    2.73%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    2.05%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    1.76%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    1.51%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    1.33%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    1.24%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.96%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Tesla Inc
    0.88%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    0.68%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 16.37%

Looking through to the top holdings of the ETFs, a handful of very large companies appear multiple times, even though they are not held directly. NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Tesla, Meta, and TSMC together account for a noticeable slice of the covered portion, with NVIDIA alone at 3.22%. Because only top-10 ETF holdings are used, this likely understates true overlap. Hidden concentration like this means that, in practice, the portfolio’s returns can be meaningfully influenced by a relatively small group of mega-cap growth and tech-related firms, even though the visible ETF mix looks broadly diversified on the surface.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 100%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Neutral
Data availability: 100%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure shows a clear tilt toward value at 61%, while size, momentum, quality, yield, and low volatility all sit near neutral ranges. Factors are characteristics, like “cheap vs expensive” (value) or “large vs small” (size), that research links to long-term return differences. A mild value tilt suggests the portfolio leans somewhat toward companies trading at lower prices relative to fundamentals, nudged by the small-cap value ETFs and dividend fund. Historically, value has had periods of both strong catch-up and extended lagging versus growth. With other factors roughly market-like, the portfolio’s distinct behavioral twist mainly comes from this value orientation layered on top of broad equity exposure.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 35.00%
    36.1%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 25.00%
    22.7%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 10.00%
    12.3%
  • Invesco NASDAQ 100 ETF
    Weight: 10.00%
    12.0%
  • Avantis® International Small Cap Value ETF
    Weight: 10.00%
    9.4%
  • Top 5 risk contribution 92.5%

Risk contribution shows how much each ETF drives the overall ups and downs, which can differ from its weight. The US total market fund is 35% of the portfolio but contributes about 36% of risk, essentially in line. The international total market at 25% weight contributes slightly less risk at 23%, reflecting some diversification benefits. The US small-cap value and NASDAQ 100 slices each sit at 10% weight yet add roughly 12% of overall risk apiece, meaning they punch above their size in terms of volatility. With the top three positions (two total markets plus US small-cap value) contributing over 70% of risk, these are the main drivers of portfolio behavior.

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 the current mix with theoretical “best” combinations of the same ETFs. The portfolio’s Sharpe ratio — a measure of return per unit of risk above cash — is 0.74, while the max-Sharpe version using these same holdings reaches 1.06. The minimum-variance mix has lower risk at 14% with a Sharpe of 0.88. Being 2.39 percentage points below the frontier at the current risk level suggests the existing weights aren’t fully optimized for risk-adjusted returns. In other words, different weightings of these same six ETFs could historically have delivered either more return for similar risk or similar return with slightly lower volatility.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.80%
  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Invesco NASDAQ 100 ETF 0.40%
  • Schwab U.S. Dividend Equity ETF 3.30%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.00%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.80%

The portfolio’s total yield is about 1.8%, combining a higher-yield dividend ETF at 3.3% and international value exposure at 2.7–2.8% with lower-yield funds, including the NASDAQ 100 at 0.4%. Dividend yield is the cash income paid out each year as a percentage of investment value. Here, income is a secondary feature rather than the main driver: many growth-focused names and total-market exposures naturally keep the overall yield moderate. This kind of profile means most of the portfolio’s long-term return is likely to come from price changes, with dividends providing a modest, but steady, contribution on top.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.10%

The weighted average total expense ratio (TER) is very low at 0.10%. TER is the annual fee charged by funds, expressed as a percentage of assets, and it quietly reduces returns over time. Most holdings here are in ultra-low-cost core index funds (0.03–0.06%), with slightly higher fees on the specialized small-cap value ETFs. For an all-equity, multi-ETF portfolio, this overall cost level is impressively low and compares favorably with many actively managed options. Keeping costs down helps more of any market return stay in the portfolio, and that effect compounds meaningfully over long horizons without changing the risk profile.

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