Broad global growth portfolio using total market funds with a small value tilt
Report created on Aug 23, 2026Risk profile
5/7
Diversification profile
3/5
Positions
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VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 53.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 38.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 9.00%
This portfolio is built from three equity ETFs, with about half in a broad US stock fund, a bit over a third in a broad international stock fund, and a smaller slice in a US small-cap value fund. So it’s essentially a 100% stock, globally diversified setup with a slight tilt toward smaller, cheaper US companies. A structure like this is easy to follow because each position covers a wide range of underlying stocks rather than making lots of narrow bets. The small tilt adds a distinct “satellite” around a very diversified core. Overall, it’s a growth‑oriented, straightforward equity mix rather than a complex multi‑asset structure.
Growth
Over the period shown, a $1,000 investment grew to about $2,497, which works out to a 14.21% Compound Annual Growth Rate (CAGR). CAGR is like the steady “average speed” your money would have needed each year to end up at today’s value. The portfolio lagged the US market benchmark by about 2.17% per year but slightly beat the global market benchmark by 0.23% per year. Its worst drop, or max drawdown, was roughly -35.5% during early 2020, similar to broad markets. That pattern shows strong long‑term growth but with the kind of deep, temporary declines that are typical for an all‑stock portfolio.
Projection
The forward projection uses Monte Carlo simulation, which basically reruns many “what if” market paths based on historical patterns. Here, 1,000 simulated 15‑year paths suggest a median outcome of about $2,756 from $1,000 invested, with a wide “likely” range between roughly $1,837 and $4,299. The spread between the lower and upper ends — down to about $960 and up to around $7,781 — shows how uncertain long‑term equity outcomes can be. The average simulated annual return of 8.09% is noticeably lower than the recent historical CAGR, underlining that past returns were strong and may not repeat in the same way.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with no bonds or cash in the mix. That’s why it’s flagged as “Growth” and sits at 5/7 on the risk scale: stocks tend to grow more over long periods but also swing more in the short term. Having everything in one asset class focuses the portfolio on the fortunes of global companies rather than interest rates or credit markets. The flip side is that there’s no built‑in buffer from traditionally steadier assets. Compared with blended stock‑bond portfolios, this structure leans clearly toward return potential over stability, which shows up in both the drawdown and volatility metrics.
Sectors
- Technology 28%
- Financials 17%
- Industrials 12%
- Consumer Discretionary 10%
- Health Care 8%
- Telecommunications 7%
- Energy 5%
- Consumer Staples 5%
- Basic Materials 4%
- Utilities 2%
- Real Estate 2%
Sector exposure is quite broad, with technology the largest at 28%, followed by financials, industrials, and consumer discretionary. That pattern is pretty close to many global equity benchmarks, where tech and related areas have grown due to strong company performance and rising index weights. A tech‑heavier allocation tends to benefit when growth and innovation drive markets but can feel sharper swings if interest rates rise or sentiment shifts. The smaller weights in areas like utilities and real estate mean the portfolio has less exposure to traditionally defensive, more stable sectors, emphasizing growth and cyclicality over stability.
Regions
- North America 65%
- Europe Developed 13%
- Asia Developed 7%
- Japan 6%
- Asia Emerging 5%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 65% of the portfolio sits in North America, with the rest spread across Europe, Japan, developed Asia, and smaller slices in emerging regions, Australasia, and Africa/Middle East. That North American tilt lines up with global market weights, where US companies make up a large share of world stock value. This alignment is a positive sign for diversification because it mirrors how global markets are actually structured. The presence of meaningful allocations outside North America adds exposure to different currencies, economies, and policy environments, which can sometimes smooth out country‑specific shocks but also introduces foreign market and currency swings.
Market capitalization
- Mega-cap 39%
- Large-cap 27%
- Mid-cap 17%
- Small-cap 9%
- Micro-cap 6%
The portfolio covers the full market‑cap spectrum: roughly 39% in mega‑caps, 27% in large‑caps, and the rest in mid‑caps, small‑caps, and even micro‑caps. That’s a more complete spread than many simple large‑cap‑only setups. Large and mega companies tend to anchor the risk profile since they’re more stable and heavily represented in the broad funds. The explicit 9% small‑cap slice plus 6% micro‑cap exposure adds more sensitivity to economic cycles and company‑specific news. This “core plus smaller caps” structure can make returns a bit bumpier at times but also means the portfolio isn’t overly reliant on just the biggest global names.
True holdings
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NV NVIDIA Corporation 3.35%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc. 3.10%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.02%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.68%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.61%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.53%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.30%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.20%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 0.95%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.90%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 17.64%
Looking through the ETFs’ top holdings, a noticeable portion of the visible exposure is concentrated in a few big technology and communication names like NVIDIA, Apple, Microsoft, and Alphabet. Each of these appears via the broad index funds rather than as direct single‑stock bets, but together they still make up a meaningful slice of the equity risk. Because we only see ETF top‑10s, actual overlap is likely a bit higher than reported. This kind of hidden concentration is normal in cap‑weighted index funds, where the biggest companies naturally dominate. It means portfolio performance will be quite sensitive to how these large global leaders do.
Factors
Factor exposure is very balanced across the board, with value, size, momentum, quality, yield, and low volatility all sitting in the neutral, market‑like range. Factors are basically DNA‑level traits — like how cheap, fast‑moving, or stable a stock tends to be — that research links to long‑term returns. A neutral profile like this means the portfolio is not making strong bets on any single characteristic, despite the small‑cap value sleeve. Instead, it behaves a lot like a broad global market basket from a factor point of view. That helps keep performance patterns relatively predictable compared with standard benchmarks.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 53.00% 54.1% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 38.00% 34.7% -
Avantis® U.S. Small Cap Value ETF
Weight: 9.00% 11.1%
Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ from its weight. Here, the US total market ETF is 53% of the portfolio but contributes about 54% of total risk — almost one‑for‑one. The international fund is 38% of weight yet only 35% of risk, so it slightly dampens overall volatility. The small‑cap value ETF is 9% by weight but contributes over 11% of risk, reflecting its higher volatility. Taken together, all three funds account for essentially 100% of portfolio risk, but no single position dominates in an extreme way, which supports the diversification score.
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 risk vs. return analysis shows the current portfolio lying on or very near the efficient frontier, which is the curve of the best possible return for each risk level using the existing holdings. A Sharpe ratio of 0.58 is lower than the optimal mix’s 0.78 and the minimum variance mix’s 0.66, but the chart notes the current allocation is already efficient for its chosen risk level. In plain terms, reweighting could shift the balance slightly toward more or less risk, but there’s no obvious sign that the present combination is wasting risk. That’s a good signal for how well the three funds work together.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.20%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.50%
- Weighted yield (per year) 1.59%
The portfolio’s overall dividend yield is about 1.59%, with the international fund yielding more and the US funds yielding less. Yield is the annual cash paid out as a percentage of the investment, and it can be a helpful contributor to total return over time, especially when reinvested. Here, income plays a supporting rather than dominant role; most of the historical growth has clearly come from price appreciation. The slightly higher yield from international stocks reflects differences in payout culture and tax rules across countries. Combined, the portfolio offers a modest, globally sourced income stream on top of its growth profile.
Ongoing product costs
- 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%
The total ongoing cost, or TER, is around 0.06%, which is extremely low by industry standards. TER (Total Expense Ratio) is the annual fee charged by funds, expressed as a percentage of the amount invested. Keeping fees this low is a major structural strength because costs come straight out of returns every year and quietly compound over time. The core index funds are especially inexpensive, and even the more specialized small‑cap value ETF is fairly priced. Overall, these low costs support better long‑term performance compared with similar portfolios built from higher‑fee products, without adding any extra complexity.
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