Strong global equity portfolio with pronounced value tilt and broadly diversified regional and sector mix

Report created on Apr 22, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

This portfolio is a pure equity mix holding five stock ETFs with no bonds or cash included in the analysis. Roughly 40% sits in a broad US large-cap fund, while about 23% is in a total international fund that covers developed and emerging markets outside the US. The remaining 37% leans into smaller-company “value” ETFs across US, international, and emerging markets. This creates a core-and-satellite structure: broad market funds as the core, surrounded by focused value-tilted small-cap strategies. Structurally, it lines up well with a “balanced risk” label, even though it’s 100% stocks, because the holdings are spread across many companies and regions rather than a narrow theme.

Growth Info

Over the period from late 2021 to mid‑2026, a hypothetical $1,000 in this portfolio grew to $1,681, which translates to a compound annual growth rate (CAGR) of 12.17%. CAGR is like your average yearly “speed” over the full trip, smoothing out bumps along the way. The portfolio’s max drawdown, or worst peak‑to‑trough drop, was about -24.6%, similar to the US market’s -24.5%. It slightly lagged the US benchmark by 0.85 percentage points per year but outpaced the global benchmark by about 1 percentage point annually. This pattern fits a global equity mix with a meaningful US allocation and a distinct value tilt.

Projection Info

The Monte Carlo simulation projects many possible 15‑year paths based on how similar portfolios have behaved historically. Monte Carlo is basically a “what if” engine that reruns history thousands of times with random shuffles, giving a range of outcomes instead of a single forecast. Here, the median projection grows $1,000 to about $2,723, with a wide possible range from roughly $997 to $7,522. The average simulated annual return is 7.91%, with about 73% of scenarios ending higher than the starting value. These numbers are not promises; they simply show what has happened in similar conditions before, and markets can easily behave differently in future.

Asset classes Info

  • Stocks
    100%

All of this portfolio is in stocks, which means there is no built‑in cushion from bonds or cash in this analysis. Stocks historically offer higher long‑term growth potential but also larger and faster swings in value. A risk score of 4/7 reflects that balance between growth and volatility within an equity‑only setup. Compared with a traditional “balanced” mix that blends stocks and bonds, this portfolio will likely move more in sync with global equity markets. On the other hand, its diversification across thousands of companies helps spread stock‑specific risk, so no single business or country dominates the overall behavior.

Sectors Info

  • Technology
    21%
  • Financials
    18%
  • Industrials
    13%
  • Consumer Discretionary
    11%
  • Basic Materials
    7%
  • Energy
    7%
  • Telecommunications
    7%
  • Health Care
    7%
  • Consumer Staples
    5%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is broad and fairly close to common global benchmarks, with technology at about 21%, financials at 18%, and industrials at 13%. No single sector dominates the portfolio, which is helpful because different parts of the economy tend to lead or lag at different times. For example, a tech‑heavy mix can be more sensitive to interest rate changes, while financials often react differently to economic cycles. Here, energy, materials, telecom, and health care each play noticeable roles, and more defensive areas like utilities and staples are smaller but present. This sector balance helps the portfolio avoid being overly tied to one industry narrative.

Regions Info

  • North America
    57%
  • Europe Developed
    14%
  • Japan
    8%
  • Asia Developed
    8%
  • Asia Emerging
    7%
  • Africa/Middle East
    2%
  • Australasia
    2%
  • Latin America
    1%

Geographically, about 57% of the portfolio is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and several emerging regions. This is a moderate US tilt compared with a strictly market‑cap‑weighted global index, but still offers broad international exposure. Such a mix benefits from the depth and liquidity of US markets while capturing growth and diversification from other economies. Having meaningful allocations to Europe, Japan, and emerging Asia means the portfolio is not wholly dependent on one country’s economic policy or currency. This global spread aligns well with common diversification practices for equity‑focused portfolios.

Market capitalization Info

  • Mega-cap
    31%
  • Large-cap
    25%
  • Mid-cap
    21%
  • Small-cap
    14%
  • Micro-cap
    7%

The market‑cap breakdown shows a healthy spread: roughly 31% in mega‑caps, 25% in large‑caps, 21% in mid‑caps, 14% in small‑caps, and 7% in micro‑caps. Mega‑ and large‑caps tend to be more established companies, which can bring stability, while smaller firms can be more volatile but offer higher growth potential. The added small and micro exposure here is clearly intentional through the dedicated small‑cap value funds. This mix often leads to more noticeable ups and downs than a pure large‑cap index, especially in turbulent markets, but it also means the portfolio participates more in periods when smaller companies are in favor.

True holdings Info

  • NVIDIA Corporation
    3.05%
    Part of fund(s):
    • iShares Core S&P 500 ETF
  • Apple Inc
    2.62%
    Part of fund(s):
    • iShares Core S&P 500 ETF
  • Microsoft Corporation
    1.95%
    Part of fund(s):
    • iShares Core S&P 500 ETF
  • Amazon.com Inc
    1.47%
    Part of fund(s):
    • iShares Core S&P 500 ETF
  • Alphabet Inc Class A
    1.25%
    Part of fund(s):
    • iShares Core S&P 500 ETF
  • Broadcom Inc
    1.12%
    Part of fund(s):
    • iShares Core S&P 500 ETF
  • Alphabet Inc Class C
    1.00%
    Part of fund(s):
    • iShares Core S&P 500 ETF
  • Meta Platforms Inc.
    0.89%
    Part of fund(s):
    • iShares Core S&P 500 ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.85%
    Part of fund(s):
    • iShares Core MSCI Total International Stock ETF
  • Tesla Inc
    0.69%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • iShares Core S&P 500 ETF
  • Top 10 total 14.88%

Looking through to the largest underlying holdings, a handful of big global names—like NVIDIA, Apple, Microsoft, Amazon, and Alphabet—show up via the broad index funds. These top positions together make up a meaningful chunk of the equity risk captured in the look‑through data, even though no single company dominates the total portfolio. Because overlap is measured only from ETF top‑10 lists, concentration in these mega‑caps may actually be understated. Still, the presence of multiple value and small‑cap funds reduces overall reliance on just a few tech giants. This balances exposure between market leaders and a long tail of smaller, cheaper companies.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 100%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Neutral
Data availability: 100%
Yield
Preference for dividend-paying stocks
High
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor data shows a strong tilt toward value (65%) and a high exposure to yield (64%), with size, momentum, quality, and low volatility all close to neutral. Factors are like the “ingredients” behind returns—value targets cheaper stocks, while yield focuses on dividend payers. A high value tilt often behaves differently from pure growth strategies, sometimes lagging when investors chase fast‑growing names, but historically doing well when markets favor fundamentals and lower valuations. The neutral readings on other factors suggest the portfolio doesn’t strongly lean into trends, defensiveness, or quality screens. Overall, its personality is clearly “value‑oriented with a modest income flavor.”

Risk contribution Info

  • iShares Core S&P 500 ETF
    Weight: 40.00%
    40.2%
  • iShares Core MSCI Total International Stock ETF
    Weight: 23.00%
    21.8%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 14.00%
    17.0%
  • Avantis® International Small Cap Value ETF
    Weight: 14.00%
    13.5%
  • Avantis® Emerging Markets Value ETF
    Weight: 9.00%
    7.6%

Risk contribution shows how much each ETF drives the portfolio’s overall volatility, which can differ from simple weights. The S&P 500 fund is 40% of the assets and contributes about 40% of the risk—very proportional. The international core fund also contributes slightly less risk than its weight. The standout is the US small‑cap value ETF: at 14% weight, it contributes nearly 17% of overall risk, reflecting the bumpier ride of smaller, value‑oriented stocks. Collectively, the top three positions account for almost 79% of total risk. This is normal for a compact, five‑fund mix but highlights where most of the portfolio’s ups and downs originate.

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 compares this portfolio’s return and risk to the best possible mix using only these five funds. The current Sharpe ratio—risk‑adjusted return—is 0.55, while the optimal reweighting reaches 0.87 and the minimum‑risk mix comes in at 0.74. Being about 2.1 percentage points below the frontier at the same risk level means the current allocation leaves some efficiency on the table. In plain terms, a different blend of the same holdings could have historically delivered either higher return for similar risk or similar return for lower risk. That said, the portfolio already sits in a reasonable zone of the risk/return landscape.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.90%
  • Avantis® Emerging Markets Value ETF 3.00%
  • Avantis® U.S. Small Cap Value ETF 1.30%
  • iShares Core S&P 500 ETF 1.10%
  • iShares Core MSCI Total International Stock ETF 3.00%
  • Weighted yield (per year) 1.99%

The portfolio’s overall dividend yield is about 1.99%, coming from a mix of lower‑yielding US large‑caps and higher‑yielding international and value funds. Dividend yield is the annual cash payout as a percentage of the current price, like interest on savings but not guaranteed. Here, the international and emerging markets value funds yield near 3%, while the S&P 500 fund is closer to 1.1%. That means a good portion of total return is expected to come from price changes rather than income alone. For an all‑equity portfolio, this moderate yield is quite typical and aligns well with its value and international tilts.

Ongoing product costs Info

  • 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 500 ETF 0.03%
  • iShares Core MSCI Total International Stock ETF 0.07%
  • Weighted costs total (per year) 0.15%

The weighted average ongoing fee (TER) across the five ETFs is about 0.15% per year, which is impressively low for a portfolio that blends plain‑vanilla index funds with more specialized value and small‑cap strategies. TER, or total expense ratio, is like a membership fee charged by each fund, quietly deducted from assets. Low costs matter because they compound over time—every fraction of a percent kept is extra return that stays in the portfolio. Here, the ultra‑cheap core index funds offset the higher‑cost Avantis funds, giving a strong balance between targeted tilts and fee efficiency.

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