Broad equity blend with strong value tilt and solid diversification for a balanced long term plan
Report created on Apr 9, 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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SP State Street® SPDR® Portfolio S&P 500® ETF
SPYM - US78464A8541 60.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 20.00% -
AV Avantis International Large Cap
AVIV - US0250723642 10.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00%
The portfolio is built from four broad equity ETFs: a 60% core in a low-cost S&P 500 fund, plus 20% international small cap value, 10% international large cap, and 10% US small cap value. So it’s 100% stocks, but spread across size segments and regions, with a clear tilt toward “value” and smaller companies. That’s notable because it mixes a plain-vanilla core with more specialized satellite funds. Structurally, this is a simple, easy-to-manage setup. The big idea here is using one broad market anchor and three focused diversifiers, which is a common “core and satellite” approach that many long-term, growth-focused investors use to balance simplicity with intentional tilts.
Growth
From late 2021 to early 2026, $1,000 in this mix grew to about $1,678, a compound annual growth rate (CAGR) of 12.22%. CAGR is like your average speed on a road trip, smoothing out all the bumps along the way. This beat both the US market (11.44%) and global market (9.66%) over the same stretch. The max drawdown, or worst peak-to-trough fall, was about -24%, very similar to the benchmarks, and it took 15 months to fully recover. Historically, then, this allocation has delivered slightly higher returns for roughly market-like downside. That alignment with the US market’s drawdown but stronger growth is a very solid outcome for this period.
Projection
The Monte Carlo projection runs 1,000 simulated 15-year paths using historical return and volatility patterns to estimate possible futures. Think of it as re-shuffling past returns in many different sequences to see a range of outcomes, not a single prediction. The median outcome takes $1,000 to about $2,774, while the middle half of scenarios ranges from roughly $1,856 to $4,189. There’s about a 75% chance of ending with more than you started, but the 5–95% band is wide, from around $918 to $7,141. That spread reminds you that even well-built portfolios can have very different results depending on future markets.
Asset classes
- No data 60%
- Stocks 40%
On the asset class breakdown, 40% is clearly tagged as stocks, while 60% shows as “No data” due to classification gaps. Since we’re asked not to speculate about that bucket, the main takeaway is that the visible slice confirms meaningful equity exposure consistent with a growth-oriented approach. In practice, when you see a large “No data” category in a report, it mainly signals a data labeling limitation, not necessarily a structural flaw. The key is to look at the holdings list and your own intent: if the underlying funds are broadly diversified equity vehicles, the economic exposure is still that of a global stock portfolio.
Sectors
- Industrials 8%
- Financials 8%
- Basic Materials 6%
- Consumer Discretionary 6%
- Energy 5%
- Technology 2%
- Consumer Staples 2%
- Health Care 1%
- Telecommunications 1%
- Utilities 1%
The sector breakdown shows a pretty balanced spread: industrials and financials each sit around 8%, with basic materials and consumer discretionary at about 6%, and energy at 5%. Technology, consumer staples, health care, telecom, and utilities each appear at lower single digits in the visible slice. This isn’t a tech-dominated profile; it looks more “old economy” tilted in the reported data, which actually lines up with the value and small-cap focus in the satellite funds. Sector balance like this can help reduce the impact of any single industry going through a rough patch, supporting the diversification score you’re seeing.
Regions
- North America 14%
- Europe Developed 13%
- Japan 9%
- Australasia 3%
- Africa/Middle East 1%
- Asia Developed 1%
Geographically, the visible portion shows a spread across North America (14%), developed Europe (13%), Japan (9%), plus smaller stakes in Australasia, developed Asia, and Africa/Middle East. That’s a healthy developed-market mix, not locked into one country or region. Compared with many home-biased allocations, this looks more outward-facing and aligns well with common global benchmarks that give substantial weight to Europe and Japan. Broad geographic diversification matters because different economies and currencies go through their cycles at different times. Being exposed to several regions can smooth the ride when one part of the world hits a downturn.
Market capitalization
- Mid-cap 13%
- Small-cap 13%
- Micro-cap 5%
- Large-cap 4%
- Mega-cap 4%
The market cap breakdown shows notable exposure to smaller companies: 13% in small caps, 13% in mid caps, and 5% in micro caps, versus 8% combined in large and mega caps in the visible slice. That’s a clear tilt away from a pure large-cap index profile, where big companies dominate. Smaller firms can be more volatile day to day but historically have offered higher expected returns over long stretches. Having both small and mid caps alongside the large-cap S&P 500 core broadens the opportunity set and can change how the portfolio behaves relative to a standard big-company-only index, especially in different economic cycles.
True holdings
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NV NVIDIA Corporation 4.54%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
AA Apple Inc 3.99%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
MS Microsoft Corporation 2.94%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
AM Amazon.com Inc 2.18%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
GO Alphabet Inc Class A 1.79%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
AV Broadcom Inc 1.57%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
GO Alphabet Inc Class C 1.44%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
ME Meta Platforms Inc. 1.34%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
TS Tesla Inc 1.12%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- State Street® SPDR® Portfolio S&P 500® ETF
-
BR Berkshire Hathaway Inc 0.94%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
- Top 10 total 21.86%
Looking through to the top holdings, the biggest exposures are familiar mega-cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, and Berkshire. These show up mainly through the S&P 500 ETF and together already sum to a meaningful chunk of the portfolio, even though we only see ETF top-10s. This tells you that, despite the value and small-cap tilts elsewhere, there’s still a strong anchor in the largest US growth names. Overlap is likely higher than reported because only top-10 stakes are visible, but having these giants as indirect core positions is normal for modern equity portfolios and helps link performance to broad market trends.
Factors
Factor exposure shows a high tilt toward value at 64%, while size, momentum, quality, yield, and low volatility all sit in a neutral band around 50–58%. Factors are like the “drivers” behind returns—value, for instance, means favoring cheaper stocks relative to fundamentals. A value tilt often lags in growth-fueled bull markets dominated by expensive winners but can shine when markets rotate toward cheaper, out-of-favor names. The rest being roughly market-like suggests the portfolio isn’t making heavy bets on quality, momentum, or defensive traits; it’s mainly expressing one strong, intentional view: leaning into value while otherwise staying broadly diversified across other characteristics.
Risk contribution
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State Street® SPDR® Portfolio S&P 500® ETF
Weight: 60.00% 60.8% -
Avantis® International Small Cap Value ETF
Weight: 20.00% 18.4% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 11.9% -
Avantis International Large Cap
Weight: 10.00% 8.9%
Risk contribution, which measures how much each holding adds to overall ups and downs, is nicely aligned with weights. The S&P 500 ETF is 60% of the portfolio and contributes about 61% of the risk, essentially one-for-one. The international small cap value fund contributes a bit less risk than its 20% weight, while the US small cap value fund adds slightly more risk than its 10% weight, which fits its more volatile profile. Top three positions together drive about 91% of total risk, which is expected in a four-fund portfolio. Overall, risk seems proportionate, with no single fund wildly dominating beyond its intended share.
Redundant positions
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High correlationAvantis® International Small Cap Value ETFAvantis International Large Cap
The correlated assets view flags a very high correlation between the Avantis international small cap value and Avantis international large cap funds. Correlation measures how often two investments move in the same direction at the same time. When correlation is high, you still get diversification from size and style differences, but less from day-to-day price movement differences than you might think. Here, that means the international slice behaves somewhat like a unified block, even though it’s split between small and large caps. That’s not a problem; it just means the real diversification work is mainly happening between US and international and between value-tilted and broad market exposures.
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 has a Sharpe ratio of 0.55, versus 0.81 for the optimal mix and 0.76 for the minimum-variance option. The Sharpe ratio is a way to measure how much return you get per unit of risk, after accounting for a risk-free rate. Being 1.24 percentage points below the efficient frontier at the same risk level means that, with the same four funds but different weights, you could potentially improve the tradeoff between volatility and return. The good news: the current setup is already in a reasonable zone; it’s just not squeezing the maximum possible efficiency out of these holdings.
Dividends
- Avantis® International Small Cap Value ETF 2.80%
- Avantis International Large Cap 2.90%
- Avantis® U.S. Small Cap Value ETF 1.40%
- State Street® SPDR® Portfolio S&P 500® ETF 1.10%
- Weighted yield (per year) 1.65%
Dividend yield for the whole portfolio comes out around 1.65%, with the international large cap fund near 2.9%, international small cap value around 2.8%, US small cap value at 1.4%, and the S&P 500 ETF at about 1.1%. Dividends are the cash payments companies make from profits, and over decades they can be a meaningful part of total return, especially when reinvested. This yield level is quite normal for a growth-leaning equity portfolio; it’s not designed as an income generator. For someone focused on long-term growth rather than current cash flow, a moderate yield like this is perfectly consistent with the overall strategy.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis International Large Cap 0.25%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Weighted costs total (per year) 0.12%
Total expense ratio (TER) for the mix is a very low 0.12%, despite the satellite funds individually charging between 0.25% and 0.36%. TER is the annual fee as a percentage of assets; shaving even a few tenths of a percent can add up significantly over 10–20 years. The low overall figure comes from the heavy 60% weight in the ultra-cheap S&P 500 ETF, which drags the combined cost down. This is a real strength: the structure delivers targeted value and small-cap tilts without paying “active fund” type fees. Keeping costs this low is a big win for long-term compounding and fully supports the growth objective.
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