Global equity portfolio with strong value tilt and clear North American concentration
Report created on Aug 13, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VT Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 60.00% -
AV Avantis ALL Equity Markets Value ETF
AVGV - US0250722164 20.00% -
EW iShares MSCI Canada ETF
EWC - US4642865095 20.00%
This portfolio is a simple three-fund global stock mix, fully invested in equities. About 60% sits in a broad world stock ETF, giving exposure to thousands of companies across many countries and industries. Another 20% goes into a dedicated value-tilted global equity ETF, and the final 20% is a Canada-focused ETF. This structure combines a global market backbone with two intentional tilts: one toward value stocks and one toward Canadian equities. A concentrated lineup like this is easy to follow and maintain, while still offering meaningful diversification across companies. The heavy equity focus also means returns are driven mainly by stock market moves rather than bonds or cash.
Growth
Over the period shown, a $1,000 investment in this portfolio grew to about $1,811, implying a compound annual growth rate (CAGR) of 21.15%. CAGR is like average speed on a road trip: it smooths the journey into a single yearly growth number. The portfolio slightly lagged the US market benchmark but slightly beat the global market benchmark, while experiencing a smaller maximum drawdown than the US market and a bit less than the global benchmark. Max drawdown measures the largest peak‑to‑trough fall and helps show how painful the worst stretch felt. As always, this strong recent performance does not guarantee anything about future returns.
Projection
The Monte Carlo projection uses past volatility and returns to simulate many possible 15‑year futures for this portfolio. Think of it as running 1,000 alternate timelines where markets behave in different but statistically plausible ways. The median outcome grows $1,000 to around $2,869, while the middle half of scenarios falls between roughly $1,878 and $4,368. The widest band shown runs from about $971 to $8,617, highlighting just how wide equity outcomes can be. The average simulated annual return of 8.60% is much lower than the recent realized CAGR, reminding that historical bursts of strong performance often overstate what is realistic over longer horizons.
Asset classes
- Stocks 100%
All of the portfolio is invested in stocks, with 0% in bonds, cash, or alternative assets. That makes it straightforward to understand: returns depend almost entirely on how global equity markets behave. A 100% equity mix typically brings higher long‑term return potential but also sharper ups and downs than portfolios that blend in bonds. Compared to many blended benchmarks that mix stocks and bonds, this portfolio is more growth‑oriented and more sensitive to equity market swings. The positive side is clear participation in equity rallies; the trade‑off is larger drawdowns when global stocks fall, with no stabilizing effect from fixed income.
Sectors
- Financials 23%
- Technology 22%
- Industrials 12%
- Consumer Discretionary 9%
- Energy 8%
- Basic Materials 6%
- Health Care 6%
- Telecommunications 5%
- Consumer Staples 4%
- Utilities 2%
- Real Estate 2%
Sector exposure is fairly spread out, with financials and technology almost neck‑and‑neck at the top, followed by industrials and consumer discretionary. No single sector dominates, and even the largest ones sit in the low‑20% range, which supports diversification if one part of the economy struggles. Compared with many global equity benchmarks that are heavily tech‑tilted, this mix looks a bit more balanced between financials, tech, and economically sensitive areas like industrials and energy. This kind of balance can help performance feel less tied to a single theme, such as high‑growth technology or defensive consumer staples, and aligns well with broad‑market diversification principles.
Regions
- North America 72%
- Europe Developed 11%
- Asia Developed 5%
- Japan 5%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 72% of the portfolio sits in North America, with the rest spread across developed Europe, Japan, other developed Asia, and smaller allocations to emerging regions. The dedicated Canada ETF adds to the North American tilt beyond what a purely market‑cap‑weighted global index would usually hold. Compared with a typical global benchmark, this means an overweight to North America and an underweight to Europe and some emerging markets. This structure keeps the portfolio closely aligned with familiar markets and currencies while still maintaining a meaningful slice of truly international exposure, reducing but not removing country‑specific concentration.
Market capitalization
- Mega-cap 40%
- Large-cap 29%
- Mid-cap 20%
- Small-cap 7%
- Micro-cap 2%
By market capitalization, the portfolio leans toward larger companies, with around 40% in mega‑caps and 29% in large‑caps, then stepping down through mid‑cap, small‑cap, and a small slice of micro‑caps. This pattern is broadly similar to the global equity market, where the biggest companies take up a large share of total value. Including mid‑ and small‑caps adds diversity in business models and growth profiles, as smaller firms can behave differently from established giants. The presence of micro‑caps is modest, which limits the impact of their often higher volatility while still giving some exposure to that segment’s distinct return characteristics.
True holdings
-
NV NVIDIA Corporation 2.39%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
AA Apple Inc. 2.37%
Part of fund(s):- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Avantis ALL Equity Markets Value ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
RY Royal Bank of Canada 1.85%
Part of fund(s):- iShares MSCI Canada ETF
-
MS Microsoft Corporation 1.56%
Part of fund(s):- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Avantis ALL Equity Markets Value ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
AM Amazon.com Inc 1.38%
Part of fund(s):- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Avantis ALL Equity Markets Value ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
TD Toronto Dominion Bank 1.26%
Part of fund(s):- iShares MSCI Canada ETF
-
SH Shopify Inc 1.17%
Part of fund(s):- iShares MSCI Canada ETF
-
GO Alphabet Inc Class A 1.08%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.98%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
AV Broadcom Inc 0.90%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
- Top 10 total 14.95%
Looking through the ETFs, the largest underlying exposures are familiar global blue‑chips like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and major Canadian financial institutions. Individual names generally sit around the 1–2.5% range of the total portfolio, which keeps single‑company concentration in check. Some companies appear via more than one ETF, but at these levels, overlap does not dominate overall risk. It’s worth noting that only each ETF’s top‑10 holdings are included in this look‑through, so total overlap is likely somewhat understated. Even so, the pattern suggests broad dispersion across hundreds or thousands of underlying companies.
Factors
Factor exposure shows a notable tilt toward value, with that factor scoring “high,” while size, momentum, quality, yield, and low volatility all sit in the neutral band. Factors are characteristics like “cheap versus expensive” or “stable versus volatile” that research links to long‑run return differences. A value tilt means the portfolio allocates more to stocks trading at lower prices relative to fundamentals. Historically, value has gone through long cycles of outperformance and underperformance relative to the market. With other factors mostly neutral, the portfolio’s behavior is likely to differ most from a market‑cap index during periods when value stocks diverge meaningfully from growth‑oriented names.
Risk contribution
-
Vanguard Total World Stock Index Fund ETF Shares
Weight: 60.00% 60.8% -
Avantis ALL Equity Markets Value ETF
Weight: 20.00% 20.2% -
iShares MSCI Canada ETF
Weight: 20.00% 19.0%
Risk contribution shows how much each holding drives overall volatility, which can differ from simple weights. Here, each ETF’s share of risk is very close to its portfolio weight: the global ETF contributes about 61% of risk at a 60% weight, the value ETF about 20% at a 20% weight, and the Canada ETF about 19% at a 20% weight. A risk/weight ratio near 1 suggests similar risk per dollar across funds. This even spread means no single ETF is acting as a hidden “risk amplifier” or “risk sink.” The top three holdings collectively explain essentially all portfolio risk, which is expected given they are the only positions.
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 analysis indicates this portfolio sits essentially on the curve of best achievable risk‑return combinations using its existing holdings. The Sharpe ratio, which measures return earned per unit of risk above the risk‑free rate, is strong at 1.16, while the optimal and minimum‑variance mixes using the same funds show only slightly higher Sharpe values. Being on or near the frontier suggests the chosen weights use these three ETFs effectively; there isn’t a big gap where a different mix of the same ingredients would have historically improved the risk‑adjusted tradeoff. That’s a positive sign for the overall efficiency of the allocation.
Dividends
- Avantis ALL Equity Markets Value ETF 1.60%
- iShares MSCI Canada ETF 1.20%
- Vanguard Total World Stock Index Fund ETF Shares 1.50%
- Weighted yield (per year) 1.46%
The portfolio’s total dividend yield is around 1.46%, with individual funds yielding between 1.20% and 1.60%. Dividend yield is the annual cash payout as a percentage of the investment value, and here it plays a modest but real role in total return. In a 100% equity portfolio like this, most long‑term growth typically comes from price appreciation rather than income, especially when it holds a mix of value, broad‑market, and regional funds. Still, even a sub‑2% yield can provide a steady background stream of cash distributions, which can either be reinvested or used as a small ongoing cash flow.
Ongoing product costs
- Avantis ALL Equity Markets Value ETF 0.26%
- iShares MSCI Canada ETF 0.50%
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- Weighted costs total (per year) 0.19%
The weighted average total expense ratio (TER) of the portfolio is about 0.19%, combining a very low‑cost global ETF at 0.07% with somewhat higher‑fee value and Canada funds. TER is the annual percentage fee charged by each ETF. A blended cost under 0.20% is impressively low for an all‑equity portfolio with factor and regional tilts, and it supports better long‑term compounding because less return is lost to fees each year. This aligns well with best practices around cost control: expenses here are low enough that they are unlikely to be a major drag on performance over time.
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