Broad global stock blend with a US tilt and balanced growth oriented risk profile
Report created on Jul 16, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 60.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 5.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 5.00%
This portfolio is a four‑fund, all‑equity mix with a clear core‑and‑satellite structure. The core comes from two total‑market index ETFs, one covering US stocks and one covering international stocks, together making up 90% of the portfolio. Around this, there are two smaller positions in small‑cap value funds, one domestic and one international, each at 5%. This structure is common among long‑term growth portfolios because it combines broad market exposure with targeted tilts. It means most behavior will follow global stock markets, while a modest slice is intentionally pointed at smaller, cheaper companies that can move differently from the core, adding an extra layer of diversification within stocks.
Growth
From late 2019 to mid‑2026, a hypothetical $1,000 in this portfolio grew to about $2,494. That works out to a compound annual growth rate (CAGR) of 14.43%, which is like asking, “what steady yearly pace would get to the same end result?” Over the same period, the US market did better at 16.35% per year, while the global market was slightly lower at 13.82%. So this portfolio lagged the US but outpaced the broader global index. The deepest drop, or max drawdown, was about ‑35%, very similar to the benchmarks during the 2020 crash, showing its risk profile is firmly equity‑like. Only 22 days made up 90% of returns, highlighting how a few big days can drive long‑term results.
Projection
The Monte Carlo projection looks at many possible futures by scrambling and re‑using patterns from historical returns. It’s like taking the same “deck” of past monthly returns, shuffling it 1,000 different ways, and seeing where a $1,000 investment ends up after 15 years. In these simulations, the median outcome is about $2,711, with a fairly wide middle range between roughly $1,777 and $4,139. The annualized return across all simulations is around 8.04%, lower than the recent historical CAGR, which is common when models account for ups and downs. The big message is not the precise numbers but the range: equity portfolios can end somewhat below or far above the median, and there’s still a meaningful chance of ending near the starting value.
Asset classes
- Stocks 100%
The portfolio is 100% in stocks, with no bonds, cash, or alternative assets in the mix. Asset classes are simply broad buckets like stocks, bonds, and real estate; they respond differently to economic conditions. Being all‑equity usually means higher long‑term growth potential but larger swings along the way, especially during market stress. Relative to many mixed stock‑bond portfolios, this is clearly on the growth‑oriented end of the spectrum. The diversification score of 3/5 reflects that everything depends on global equity markets; there is plenty of diversification within stocks, but no cushion from other asset classes that might hold up better during stock market downturns. This is consistent with the risk score of 5/7.
Sectors
- Technology 28%
- Financials 15%
- Industrials 12%
- Consumer Discretionary 10%
- Health Care 8%
- Telecommunications 7%
- Energy 5%
- Basic Materials 5%
- Consumer Staples 4%
- Utilities 2%
- Real Estate 2%
Sector‑wise, the portfolio is spread across the main parts of the economy, with technology the largest slice at 28%. Financials, industrials, and consumer‑related sectors together also take up a substantial chunk, while areas like utilities and real estate are smaller at 2% each. This pattern is quite close to many global equity benchmarks, where tech and related industries have grown in weight as their market values expanded. A higher tech share can mean more sensitivity to interest rates and innovation cycles, leading to bigger swings when markets reprice growth expectations. The good news is that the portfolio does not appear to be narrowly focused on a single niche; the spread across sectors supports diversification within the stock universe itself.
Regions
- North America 68%
- Europe Developed 13%
- Japan 6%
- Asia Developed 5%
- Asia Emerging 4%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 68% of the portfolio is in North America, with most of that effectively the US, while the rest is spread across Europe, Japan, other developed Asia, and emerging regions. Compared with a typical global market index, this is a noticeable but not extreme US tilt. That tilt has been helpful over the last decade because US stocks have led many other regions, but it also means results are heavily driven by one economy and currency. The remaining allocation across Europe, Japan, and other areas adds exposure to different economic cycles, interest‑rate regimes, and policy environments. Overall, this is a broadly global portfolio with a clear home‑country lean, which is common for investors based in the US.
Market capitalization
- Mega-cap 39%
- Large-cap 27%
- Mid-cap 19%
- Small-cap 9%
- Micro-cap 4%
By market capitalization, the portfolio leans toward larger companies, with about 39% in mega‑caps and 27% in large‑caps. Mid‑caps are a meaningful 19%, while small and micro‑caps together make up roughly 13%. Market cap just measures company size in the stock market, like weighing firms by their total share value. This mix is close to a standard broad‑market profile but with a bit more presence in smaller companies thanks to the Avantis funds. Larger firms often bring more stability and liquidity, while small and micro‑caps can be more volatile but sometimes deliver bursts of stronger growth. This blend means the portfolio mainly follows big‑company behavior, with a noticeable but not dominant small‑cap flavor.
True holdings
-
NV NVIDIA Corporation 4.02%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc. 3.78%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.76%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.16%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.83%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.75%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.43%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.19%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.14%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.01%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 21.07%
Looking through the ETFs’ top holdings, the biggest underlying exposures are well‑known large tech and growth companies such as NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Meta, plus names like Broadcom, Tesla, and Taiwan Semiconductor. None of these are held directly; they appear via the index funds. NVIDIA alone represents a bit over 4% of the portfolio, with Apple close behind at about 3.8%. Because only ETF top‑10 positions are included, overlap is likely understated, but it’s still clear that a relatively small group of mega‑cap companies drives a meaningful slice of the portfolio’s ups and downs. This reflects how concentrated modern equity markets are at the very top, even inside diversified index funds.
Factors
Factor exposure is broadly neutral across the board, with value, size, momentum, quality, yield, and low volatility all hovering around the 50% mark. Factor exposure is like checking how much the portfolio leans toward characteristics researchers have linked to returns, such as cheaper stocks (value) or recent winners (momentum). Here, the readings suggest the portfolio behaves much like the overall market rather than strongly emphasizing any particular style. The small‑cap value satellites introduce some bias toward value and smaller companies at the margin, but in the total picture, these tilts are modest. This kind of well‑balanced factor profile tends to track broad market behavior and avoids heavy dependence on any single investing “style” working or failing.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 60.00% 62.0% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 27.4% -
Avantis® U.S. Small Cap Value ETF
Weight: 5.00% 6.2% -
Avantis® International Small Cap Value ETF
Weight: 5.00% 4.5%
Risk contribution shows how much each holding adds to the portfolio’s overall volatility, which can differ from its weight. The US total stock market ETF is 60% of the portfolio but contributes about 62% of the risk, very much in line with its size. The international index ETF is 30% of the weight and roughly 27% of the risk, slightly less volatile relative to its share. The US small‑cap value fund, at 5% weight, contributes about 6.15% of risk, meaning it’s a bit punchier than its size suggests. Altogether, the top three funds account for about 95% of total risk, reflecting a concentrated core with small satellites that tweak, rather than dominate, overall 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.
On the risk‑return chart, this portfolio sits below the efficient frontier by about 1.14 percentage points at its current risk level. The efficient frontier represents the best trade‑offs between return and volatility that could be achieved using just these existing holdings in different weightings. The current Sharpe ratio, a measure of return per unit of risk, is 0.59, while the optimal mix of the same funds reaches a Sharpe of 0.81 without raising risk meaningfully. That suggests there is room, in theory, to improve risk‑adjusted returns by changing how much is allocated to each fund, rather than adding new ones. Even so, the current position is not wildly off; it’s reasonably efficient, just not using the full potential of the available mix.
Dividends
- Avantis® International Small Cap Value ETF 2.80%
- Avantis® U.S. Small Cap Value ETF 1.30%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.60%
- Weighted yield (per year) 1.58%
The portfolio’s overall dividend yield is about 1.58%, combining lower yields from the broad US market and higher payouts from international and small‑cap value stocks. Dividend yield is simply the yearly cash payment relative to price, like a “rental income” percentage on your shares. In this case, most of the portfolio’s expected return is likely to come from price changes rather than income. That’s typical for growth‑oriented, equity‑only portfolios, especially those with a strong US tilt where companies often focus more on buybacks and reinvestment than on very high dividends. The presence of international and small‑cap value funds slightly boosts the yield, providing a bit of cash flow without shifting the portfolio into an income‑focused strategy.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- 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) 0.06%
Average ongoing costs are very low, with a total expense ratio (TER) of about 0.06%. TER is the annual fee charged by funds, expressed as a percentage of the amount invested. The two Vanguard index ETFs are especially cheap at 0.03% and 0.05%, while the Avantis small‑cap value funds are higher but only occupy 10% of the portfolio. Over long periods, lower costs mean more of the underlying investments’ returns stay in the portfolio instead of being paid out as fees. This cost profile is impressively low and a real strength of the setup. It supports long‑term performance by reducing the drag that expenses can create, especially when compounding over many years.
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