Concentrated US growth portfolio with strong small cap value tilt and moderate global diversification
Report created on Aug 24, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 30.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 20.00% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 20.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 10.00% -
AV Avantis® Emerging Markets Value ETF
AVES - US0250723725 10.00% -
IJ iShares Core S&P Mid-Cap ETF
IJH - US4642875078 10.00%
This portfolio is made up of six stock ETFs with no bonds or cash, so it is fully invested in equities. About 70% is in broad or growth‑oriented US large and mid caps, while 30% is in more specialized value and small‑cap segments across the US, international developed, and emerging markets. This mix combines mainstream index exposure with heavier tilts toward smaller and cheaper companies. A 100% stock structure usually means larger swings in value, both up and down, compared with mixes that include bonds. The balance between broad US exposure and more focused factor funds shapes how the portfolio reacts when markets cycle between favoring big growth names and more out‑of‑favor value or smaller companies.
Growth
From late 2021 to August 2026, $1,000 in this portfolio grew to about $1,846, which works out to a 13.41% compound annual growth rate (CAGR). CAGR is like the average speed on a road trip, smoothing out the bumps along the way. Over this period, returns slightly trailed a US market benchmark but stayed ahead of a global benchmark. The largest drop, or max drawdown, was about -24%, roughly in line with the US market’s worst fall. That downturn lasted almost two years from peak to full recovery, showing how equity‑heavy portfolios can require patience. Nineteen trading days generated 90% of gains, underlining how missing a few strong days can noticeably change long‑term outcomes.
Projection
The Monte Carlo projection uses historical data and volatility to simulate many possible 15‑year paths for the portfolio. Think of it as running 1,000 alternate futures where returns vary randomly within historically observed patterns. The median outcome shows $1,000 growing to around $2,744, with a broad “likely range” between roughly $1,842 and $4,328. There are also more extreme but less probable results on both the upside and downside. Across all simulations, the average annualized return is about 8.28%, higher than the assumed cash outcome. These numbers are not predictions or guarantees; they just illustrate how wide the range of potential equity results can be, even when starting from the same initial conditions.
Asset classes
- Stocks 100%
All holdings are equity ETFs, so the portfolio is 100% in stocks with no allocation to bonds, real assets, or cash proxies. Asset classes are simply categories like equities, bonds, and real estate that behave differently across market cycles. A single‑asset‑class portfolio keeps things simple but also ties performance entirely to stock market behavior. Compared with common “balanced” mixes that include fixed income, this structure typically offers higher long‑term growth potential alongside larger short‑term drawdowns. The absence of other asset classes means diversification is happening mainly within equities themselves—across regions, company sizes, and styles—rather than through mixing fundamentally different types of investments.
Sectors
- Technology 25%
- Financials 16%
- Consumer Discretionary 13%
- Industrials 12%
- Energy 8%
- Telecommunications 6%
- Health Care 6%
- Basic Materials 6%
- Consumer Staples 5%
- Real Estate 2%
- Utilities 1%
Sector exposure is fairly diversified, with technology the largest at 25%, followed by financials, consumer discretionary, and industrials. This is less tech‑concentrated than many broad US growth benchmarks, which often lean more heavily toward technology and communication services giants. Having a spread across cyclical sectors (like consumer discretionary and industrials), defensive ones (such as consumer staples and utilities), and economically sensitive areas (like energy and materials) can smooth performance as different sectors lead at different times. A meaningful but not dominant tech weighting suggests the portfolio still participates in growth trends but is less dependent on a single theme, which can reduce the impact of sector‑specific booms and busts.
Regions
- North America 80%
- Asia Developed 5%
- Europe Developed 4%
- Asia Emerging 4%
- Japan 3%
- Africa/Middle East 1%
- Latin America 1%
- Australasia 1%
Geographically, the portfolio is strongly tilted to North America at about 80%, with the remaining 20% spread thinly across developed and emerging regions. Global stock market benchmarks also tilt heavily to North America, but usually with a somewhat lower share than this portfolio shows. This means returns are heavily influenced by the US market and US dollar, even though there is some diversification from international and emerging markets value and small‑cap segments. When US equities outperform, this kind of tilt can be an advantage; when other regions lead, the portfolio captures less of that benefit. The modest non‑US exposure still provides some buffer if global leadership rotates away from North America.
Market capitalization
- Small-cap 26%
- Mega-cap 21%
- Large-cap 18%
- Mid-cap 18%
- Micro-cap 16%
Market capitalization exposure is notably tilted toward the smaller end of the spectrum. Small caps and micro caps together make up about 42%, while mega and large caps total around 39%, with mid caps around 18%. Market‑wide indices are usually dominated by mega and large caps, so this is a meaningful size tilt. Smaller companies tend to be more volatile day‑to‑day but have historically offered periods of higher returns over long horizons, though not consistently. This structure means performance can diverge from standard benchmarks, especially during cycles when small caps either strongly outperform or lag larger companies. The mix across all size buckets still spreads risk but clearly emphasizes the smaller segments.
True holdings
-
NV NVIDIA Corporation 3.21%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc. 2.81%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 2.19%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 1.70%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.27%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.15%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.11%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 0.98%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AM Advanced Micro Devices Inc 0.71%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
TS Tesla Inc 0.53%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Top 10 total 15.67%
Looking through ETF top‑10 holdings, the largest underlying positions are familiar mega‑cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Tesla. Each is a few percent of the total portfolio at most, even when combined across multiple ETFs. That suggests no single company is dominating overall exposure, though overlap is probably understated because only top‑10 lists are visible. These holdings mainly appear through the NASDAQ 100 and S&P 500 ETFs, layering growth‑oriented mega caps on top of the value and small‑cap sleeves. This creates a blend where portfolio results will be influenced both by these large, widely followed companies and by more diversified baskets of smaller and cheaper stocks.
Factors
Factor data shows strong tilts toward value (66%) and size (70%), with other factors—momentum, quality, yield, and low volatility—sitting around neutral levels. Factors are underlying characteristics, like “cheap vs. expensive” or “big vs. small,” that help explain why portfolios behave differently from the broad market. A value tilt means a greater emphasis on companies trading at lower prices relative to fundamentals. A size tilt means more weight in smaller companies than a market‑cap index. Historically, value and smaller stocks have gone through long stretches of both outperformance and underperformance. This portfolio is likely to feel those cycles more acutely, while its neutral stance on other factors keeps the profile from being pulled in too many directions.
Risk contribution
-
Avantis® U.S. Small Cap Value ETF
Weight: 30.00% 33.8% -
Invesco NASDAQ 100 ETF
Weight: 20.00% 22.6% -
Vanguard S&P 500 ETF
Weight: 20.00% 17.9% -
iShares Core S&P Mid-Cap ETF
Weight: 10.00% 10.5% -
Avantis® International Small Cap Value ETF
Weight: 10.00% 8.0% - Top 5 risk contribution 92.7%
Risk contribution shows how much each ETF drives overall ups and downs, which can differ from its simple weight. Here, the Avantis U.S. Small Cap Value ETF is 30% of the portfolio but contributes about 34% of total risk, making it the single largest risk driver. The NASDAQ 100 ETF also slightly over‑contributes relative to its 20% weight, reflecting its growth and tech tilt. In contrast, the S&P 500 and international small‑cap value sleeves contribute less risk than their weights would suggest. The top three holdings together account for roughly three‑quarters of portfolio risk, even though they make up 70% by weight, showing that most volatility is concentrated in a few core building blocks.
Redundant positions
-
High correlationInvesco NASDAQ 100 ETFVanguard S&P 500 ETF
The NASDAQ 100 ETF and the S&P 500 ETF are flagged as highly correlated, meaning they tend to move very similarly day‑to‑day. Correlation measures how often assets rise and fall together; when it’s high, the diversification benefit between those pieces is limited, even if they hold different underlying stocks. In practice, this means that during broad US equity rallies or sell‑offs, these two funds will likely behave alike and reinforce each other rather than offsetting moves. Other holdings, especially small‑cap and value‑focused ETFs, may provide more differentiated patterns. Overall, the portfolio still gains diversification from style, size, and regional differences, but the core US large‑cap sleeve behaves much like a single integrated block.
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 mix sits below the efficient frontier, with a Sharpe ratio of 0.58 compared with 0.79–0.89 for optimized versions. The Sharpe ratio is a simple way to compare how much return you’re getting per unit of risk after accounting for a risk‑free rate. Being about two percentage points below the frontier at the same risk level suggests that, historically, different weights among these same six ETFs could have delivered similar or better returns with less volatility. Importantly, this is purely about reweighting existing holdings, not adding new ones. It also relies on past data, so it describes how the current structure lined up with historical patterns rather than guaranteeing a better mix for the future.
Dividends
- Avantis® International Small Cap Value ETF 2.60%
- Avantis® Emerging Markets Value ETF 2.50%
- Avantis® U.S. Small Cap Value ETF 1.20%
- iShares Core S&P Mid-Cap ETF 1.20%
- Invesco NASDAQ 100 ETF 0.40%
- Vanguard S&P 500 ETF 1.00%
- Weighted yield (per year) 1.27%
The overall dividend yield for the portfolio is about 1.27%, with higher payouts from the international and emerging markets value ETFs and lower yields from the NASDAQ 100 and S&P 500 exposures. Dividend yield is the annual cash payment from holdings as a percentage of their price, similar to rent from a property. In this portfolio, income plays a relatively small role compared with potential price growth, which is typical for growth‑oriented and small‑cap value strategies. Over time, reinvested dividends can still meaningfully add to total returns, but the main driver here is expected capital appreciation rather than cash distributions. This aligns with the emphasis on equities and factor tilts rather than high‑yield strategies.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® Emerging Markets Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- iShares Core S&P Mid-Cap ETF 0.05%
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.19%
The weighted average ongoing fee, or TER, for this portfolio is around 0.19% per year. TER (Total Expense Ratio) is what ETFs charge annually to run the fund, quietly deducted from performance. This cost level is low to moderate: broad index exposures like the S&P 500 and mid‑cap fund are extremely inexpensive, while the more specialized Avantis factor ETFs are pricier but still reasonable for active or rules‑based strategies. Over long periods, even small fee differences compound, so keeping costs under control supports better net returns. In this case, the fee structure is a strength, combining very low‑cost core funds with targeted tilts without pushing overall expenses too high.
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