A high dividend and value tilted global stock portfolio with solid growth and meaningful risk
Report created on Mar 14, 2026Risk profile
5/7
Diversification profile
4/5
Positions
-
VY Vanguard International High Dividend Yield Index Fund ETF Shares
VYMI - US9219467944 50.00% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 40.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00%
This portfolio is almost entirely in stocks, split between international high dividend shares, a broad large cap index, and a small slice of small cap value. Compared with a typical global stock benchmark, it leans more toward income and value than pure market weight. This structure matters because being nearly 100% in equities drives strong growth potential but also larger swings in account value. The blend of broad market and dividend focus gives both capital appreciation and cash flow. To keep things aligned with long‑term goals, it can help to periodically check whether the 50/40/10 split still fits your comfort with volatility and your need for income versus growth.
Growth
Using an example, a hypothetical 10,000 USD invested with a 14.38% CAGR (Compound Annual Growth Rate) would have grown dramatically over a long period, far outpacing inflation and cash. CAGR is like your average “cruising speed” over the whole journey, smoothing out bumps. The max drawdown of about –37% shows that the portfolio has also experienced sharp temporary losses, which is normal for growth‑oriented stock mixes. Compared with typical equity benchmarks, this pattern of strong long‑term growth and big but manageable drawdowns is broadly consistent. It’s important to remember that past performance only shows how it behaved historically and never guarantees similar future results.
Projection
The Monte Carlo analysis uses 1,000 simulations based on historical patterns to estimate possible future outcomes. Think of it as running many “what if” scenarios, shuffling past returns to see a range of potential futures. The median result shows substantial growth, while the 5th percentile still preserves a significant portion of value, reflecting strong expected returns but real downside risk. The calculated 16.89% annualized return across simulations is impressive but heavily depends on past conditions. These models are useful for framing best‑, base‑, and worst‑case ranges, but they cannot foresee new market regimes or shocks. Treat the projections as rough navigation tools, not promises.
Asset classes
- Stocks 99%
- Cash 1%
Asset class exposure is extremely straightforward: about 99% in stocks and just 1% in cash, with no meaningful allocation to bonds or alternatives. This stock‑heavy stance matches a growth profile and is well‑suited for longer horizons where short‑term drops can be tolerated. Compared with more balanced portfolios that mix bonds and other assets, this approach usually delivers higher long‑run returns but deeper drawdowns during market stress. This equity-first structure is broadly aligned with aggressive growth benchmarks. If future needs include capital preservation, near‑term spending, or smoother ride quality, gradually adding a small defensive sleeve could help temper volatility while preserving the core equity focus.
Sectors
- Financials 28%
- Technology 16%
- Consumer Discretionary 10%
- Industrials 9%
- Energy 7%
- Health Care 7%
- Telecommunications 7%
- Consumer Staples 6%
- Basic Materials 5%
- Utilities 4%
- Real Estate 2%
Sector exposure is broad and well spread, with financials, technology, consumer areas, industrials, and energy all playing meaningful roles. This allocation is well‑balanced and aligns closely with global standards, which supports diversification across different parts of the economy. The notable tilt toward financials and dividend‑heavy areas reflects the high‑yield ETF, while the index ETF brings in large tech and communication names. This blend means performance can benefit from both stable, income‑oriented sectors and higher‑growth industries. In environments of rising interest rates or credit stress, financials and cyclicals may be bumpier, so keeping an eye on how sector weights evolve over time can help manage expectations.
Regions
- North America 54%
- Europe Developed 22%
- Japan 7%
- Asia Developed 5%
- Asia Emerging 4%
- Australasia 3%
- Africa/Middle East 2%
- Latin America 2%
- Europe Emerging 1%
Geographic exposure spans North America, Europe, Japan, and other developed and emerging regions, with about half in North America and the rest spread fairly widely. This portfolio’s geographic mix looks broadly diversified and roughly in line with global equity standards, which is a strong indicator of resilience to any one region’s downturn. The international high‑dividend component boosts exposure outside the U.S., helping avoid an extreme home‑country bias. Currency movements and local economic cycles will influence returns, especially in Europe and emerging areas. From a big‑picture view, this global spread is a solid foundation; it mainly comes down to whether the U.S. versus international split matches long‑term preferences.
Market capitalization
- Mega-cap 44%
- Large-cap 31%
- Mid-cap 13%
- Small-cap 6%
- Micro-cap 5%
Market capitalization exposure is anchored in large companies, with about three‑quarters in mega and big caps, and the remainder in medium, small, and micro caps. This mirrors common benchmarks but with a slight extra tilt toward smaller firms thanks to the small cap value ETF. Large caps bring stability, easier information access, and usually lower volatility, while small and micro caps add growth and value potential but can swing more sharply. This mix creates a nice blend of core stability and return enhancement. The current small‑cap slice seems meaningful but not excessive; revisiting its size periodically can help keep risk from drifting above your comfort level.
True holdings
-
NV NVIDIA Corporation 3.14%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc 2.59%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 2.16%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 1.57%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.33%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.06%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.06%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.05%
Part of fund(s):- Vanguard S&P 500 ETF
-
RO Roche Holding AG 0.90%
Part of fund(s):- Vanguard International High Dividend Yield Index Fund ETF Shares
-
HS HSBC Holdings PLC 0.85%
Part of fund(s):- Vanguard International High Dividend Yield Index Fund ETF Shares
- Top 10 total 15.70%
Looking through to top underlying holdings, a meaningful portion of risk and return comes from well‑known large companies like NVIDIA, Apple, Microsoft, Amazon, and Alphabet. Because the analysis only captures the top 10 holdings of each ETF, the overlap between funds is likely understated, but it still shows a tilt toward mega‑cap leaders plus large financial and healthcare names. This concentration in global giants can provide stability and liquidity but may also mean performance is tied to how a relatively small group of firms behave. Periodically checking whether this reliance on mega‑caps matches your preferences can help keep expectations about volatility and potential returns realistic.
Factors
Factor exposure shows strong tilts to value, smaller size, and yield, with moderate momentum and low‑volatility signals. Factor exposure describes how a portfolio leans into characteristics like value or momentum that research has linked to long‑term returns. Here, the dominant value and yield tilts reflect the high‑dividend and small cap value holdings, implying potential outperformance when cheaper and higher‑income stocks are in favor, but possible lagging when growth stocks lead. The size tilt means more sensitivity to small‑company cycles. Signal coverage around 53% suggests the picture is good but incomplete. Keeping this multi‑factor orientation intentional helps ensure you’re comfortable with periods when these styles fall out of favor.
Risk contribution
-
Vanguard International High Dividend Yield Index Fund ETF Shares
Weight: 50.00% 46.5% -
Vanguard S&P 500 ETF
Weight: 40.00% 40.3% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 13.2%
Risk contribution measures how much each holding adds to the portfolio’s overall ups and downs, which can differ from simple weights. Here, the three ETFs together account for essentially 100% of risk, with the international dividend and S&P 500 funds contributing roughly in line with their sizes. The small cap value ETF, though only 10% by weight, contributes over 13% of total risk, showing how a more volatile holding can punch above its weight. This pattern is typical and manageable for a growth profile. Periodic rebalancing back to target weights can help keep this higher‑risk slice from becoming too dominant after strong performance.
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.
Risk‑return optimization using the Efficient Frontier looks at how to get the best possible expected return for a given level of volatility using only the current set of assets. The Efficient Frontier is like a curve showing the “smartest” combinations of these three ETFs, not necessarily the most diversified in every sense but the most return‑efficient based on historical data. Given the strong equity focus and solid performance, the current mix likely sits reasonably close to this curve, though small tweaks between the three funds could slightly improve the risk‑return ratio. Any adjustments should still respect comfort with drawdowns and the desire for dividend income.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.80%
- Vanguard S&P 500 ETF 1.20%
- Vanguard International High Dividend Yield Index Fund ETF Shares 3.50%
- Weighted yield (per year) 2.41%
The overall dividend yield of about 2.41% is attractive for an equity‑heavy portfolio, driven mainly by the international high‑dividend fund’s 3.5% yield and supported by income from small cap value. Dividends are the cash payouts investors receive, and over long periods they can form a large share of total returns, especially when reinvested. This blend provides a reasonable income stream without sacrificing broad exposure to growth companies. For someone in the accumulation phase, automatically reinvesting those dividends can compound returns. Later, the existing yield tilt gives a good base for drawing passive income, though future payout levels will still depend on company profits and policies.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Vanguard S&P 500 ETF 0.03%
- Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
- Weighted costs total (per year) 0.15%
The total expense ratio (TER) of around 0.15% is impressively low for an actively tilted, globally diversified equity mix. TER is the annual fee charged by funds to cover their operating costs, and keeping this low directly boosts what stays in your pocket. Compared with many actively managed products, paying 0.03%–0.25% per fund is very efficient, especially given the small cap value tilt and international high‑dividend exposure. These low costs are a real strength of this setup and support better long‑term compounding. Periodically checking for fee changes or cheaper equivalent options can help maintain this cost advantage without disrupting the overall strategy.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey