Broad global equity portfolio with a strong value tilt and efficient risk adjusted performance
Report created on Apr 29, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 65.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 15.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 10.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00%
This portfolio is a simple four‑ETF mix that is 100% in stocks. About two thirds sits in a broad total US market fund, with the rest split between a total international fund and two small‑cap value strategies, one US and one international. So it combines a standard global “core” index approach with a deliberate tilt toward smaller, cheaper companies. Structurally, this is a straightforward buy‑and‑hold equity portfolio without bonds or cash layers. That means the main driver of returns and ups‑and‑downs is the global stock market itself, not interest rates or credit. The clear structure makes it easy to understand how each piece contributes.
Growth
From late 2019 to April 2026, $1,000 grew to about $2,469, a compound annual growth rate (CAGR) of 14.75%. CAGR is the “average speed” per year, smoothing out the bumps. Over the same period, the portfolio slightly lagged the US market but beat the global market, which is a solid outcome for a diversified global mix. The worst drop, or max drawdown, was about -36% during early 2020, a bit deeper than the benchmarks. That highlights the reality that a 100% stock portfolio can fall sharply, even when long‑term returns look strong. As always, past performance doesn’t guarantee future results.
Projection
The Monte Carlo projection uses the portfolio’s historical behavior to simulate many possible 15‑year paths. Think of it as “re‑rolling” history 1,000 different ways to see a range of outcomes rather than a single forecast. The median outcome grows $1,000 to around $2,680, with a wide middle band from roughly $1,800 to $4,000. There’s also a meaningful chance of much higher or lower results. The average simulated annual return is about 7.9%, but that’s not a promise; it just reflects how similar portfolios have behaved in the past under many market environments, which may not repeat.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with no allocation to bonds, cash, or alternatives. That creates a clear growth orientation: returns are driven almost entirely by corporate earnings and stock valuations rather than interest income. Compared with many blended portfolios that mix in bonds, this all‑equity setup typically comes with higher long‑term return potential and higher volatility. There’s no built‑in cushion from fixed income during equity sell‑offs. On the other hand, the equity‑only focus means every dollar is working in the same risk/return engine, which can make the portfolio’s behavior more straightforward to interpret over time.
Sectors
- Technology 24%
- Financials 15%
- Industrials 13%
- Consumer Discretionary 11%
- Health Care 8%
- Telecommunications 7%
- Energy 6%
- Basic Materials 5%
- Consumer Staples 5%
- Utilities 2%
- Real Estate 2%
Sector exposure is reasonably broad, with technology the largest slice at 24%, followed by financials, industrials, and consumer‑oriented areas. This is not an extreme tech‑only profile; tech is elevated but roughly in line with common broad‑market benchmarks today. Exposure across health care, energy, materials, and staples helps spread risk across different parts of the economy that tend to react differently to interest rates, inflation, and growth cycles. Portfolios with a noticeable tech weight can see larger swings when sentiment around innovation or interest rates shifts, but here that’s balanced by meaningful allocations to more cyclical and defensive sectors.
Regions
- North America 77%
- Europe Developed 10%
- Japan 5%
- Asia Developed 2%
- Asia Emerging 2%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 77% is in North America, with the rest diversified across Europe, Japan, developed Asia, emerging Asia, and smaller slices in Australasia, Latin America, and Africa/Middle East. This is more US‑tilted than the global market, where North America’s share is lower, but still maintains genuine international exposure. The dedicated international small‑cap value fund further deepens that non‑US diversification. A US tilt has helped over the past decade, but it also ties a large chunk of the portfolio to one economy and currency. The overseas slice adds exposure to different growth drivers, policy regimes, and currencies.
Market capitalization
- Mega-cap 33%
- Large-cap 25%
- Mid-cap 21%
- Small-cap 14%
- Micro-cap 6%
By market cap, the portfolio owns the full spectrum: roughly one third mega‑cap, a quarter large‑cap, and the rest spread across mid, small, and micro‑caps. That mix goes broader and smaller than many cap‑weighted benchmarks, because of the explicit small‑cap value allocations. Smaller companies often trade more on local conditions and can be more volatile day‑to‑day, but they also diversify away from the few giants that dominate headline indices. This spread helps avoid being overly dependent on a handful of huge firms for returns. At the same time, the sizable mega‑ and large‑cap core keeps the portfolio anchored in the global market leaders.
True holdings
-
NV NVIDIA Corporation 4.16%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 3.85%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.84%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.08%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.73%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.51%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.37%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.29%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.08%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
BR Berkshire Hathaway Inc 0.88%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 20.80%
Looking through ETF top‑10 holdings, a handful of large US names show up prominently: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Berkshire Hathaway each appear via the broad index funds. Combined, these top exposures are meaningful but not dominant, given the underlying funds hold thousands of stocks. There is some overlap, especially where the same mega‑caps appear in multiple ETFs, which concentrates a slice of the portfolio in those names. Because this analysis only uses top‑10 holdings, true overlap is likely higher, but still moderated by the large number of smaller positions in the background.
Factors
Factor‑wise, the standout tilt here is toward value at about 60%, which is above the neutral 50% “market‑like” level. Factor exposure is like seeing the underlying ingredients that drive returns beyond simple sectors or regions. A value tilt means more emphasis on stocks trading at lower prices relative to fundamentals, especially through the small‑cap value ETFs. The other factors — size, momentum, quality, yield, and low volatility — are all near neutral, so they don’t materially lean in or out. Historically, value has gone through long periods of both underperformance and catch‑up, so this tilt may create return patterns that differ from pure market indices.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 65.00% 66.0% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 15.00% 13.0% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 12.5% -
Avantis® International Small Cap Value ETF
Weight: 10.00% 8.6%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which isn’t always the same as its weight. Here, the US total market ETF is 65% of the portfolio but adds about 66% of total risk, so it’s the main risk engine. The US small‑cap value fund is only 10% by weight yet contributes over 12% of risk, reflecting its higher volatility. In contrast, the international and international small‑cap funds contribute slightly less risk than their weights. The top three positions together account for about 91% of total portfolio risk, underlining how concentrated the risk is in the core US and US small‑cap sleeve.
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 says this portfolio sits on or very close to the frontier, which is the curve showing the best expected return for each risk level using only these holdings. The current Sharpe ratio — a measure of return per unit of volatility — is about 0.6, while the mathematically optimal mix of the same funds would reach around 0.8 with slightly higher expected return and lower risk. That gap is modest, and the minimum‑variance mix also has a similar Sharpe. Overall, this suggests the current weights use these building blocks efficiently, with no obvious imbalance from a pure risk/return perspective.
Dividends
- Avantis® International Small Cap Value ETF 2.90%
- Avantis® U.S. Small Cap Value ETF 1.30%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.56%
The overall dividend yield is around 1.56%, combining lower‑yielding US broad equity and higher‑yielding international and small‑cap value funds. Yield here represents cash distributions as a percentage of the portfolio value. It’s a modest income stream rather than a high‑income profile, which is typical for growth‑oriented global equity portfolios. The international and value‑tilted pieces contribute more of the income, while the broad US market fund is more focused on total return from price appreciation. Over time, reinvested dividends can play a significant role in compounding, even when the headline yield doesn’t look especially high.
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) 0.09%
Total ongoing fund costs, measured by total expense ratio (TER), average about 0.09% per year, which is impressively low for an equity portfolio with both core index and factor tilts. TER is the annual fee charged by the funds, taken directly out of returns. The broad Vanguard funds are extremely low cost, and even the more specialized Avantis strategies are reasonably priced. Keeping costs this low means more of the portfolio’s gross return shows up in the investor’s net return, especially when compounded over many years. This cost profile is a clear strength and aligns well with best practices for long‑term investing.
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