Growth tilted global equity portfolio with strong value focus and efficient low cost structure

Report created on May 6, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio is a 100% equity mix built entirely from broad, rules-based ETFs, with no bonds or cash shown. About a third sits in a low-cost S&P 500 core fund, while the rest tilts toward momentum and small-cap value in both U.S. and international markets. That combination blends a “plain vanilla” core with more return-seeking satellite positions. This structure matters because it shapes how returns are generated: the core tends to move like the overall market, while the factor-tilted funds can behave differently across cycles. Overall, the portfolio is clearly growth-oriented, but with a diversified set of underlying strategies rather than a single index approach.

Growth Info

Over the period from late 2019 to early 2026, $1,000 in this portfolio grew to about $2,820. That translates into a compound annual growth rate (CAGR) of 17.07%, which is how fast it grew per year on average, similar to averaging your speed over a long road trip. This outpaced both the U.S. market (16.04%) and global market (13.53%). The max drawdown, or worst peak-to-trough drop, was about -34.9%, very close to benchmark declines during the 2020 crash. This suggests the factor tilts have historically added some extra return without noticeably increasing the size of major drawdowns, though future results can always differ from the past.

Projection Info

The Monte Carlo projection uses the portfolio’s historical behavior to simulate 1,000 possible 15‑year paths for a $1,000 investment. It does this by reshuffling return patterns in many different ways, a bit like running thousands of alternate market histories. The median outcome lands around $2,634, with a central “likely range” between roughly $1,749 and $4,159. There is also a wide “possible” band from about $960 to $8,097, showing how uncertain long-term outcomes can be. The average simulated annual return is 8.11%, and about 72% of simulations end positive, but these are just models, not promises. They’re mainly useful for illustrating the spread of potential futures, not for pinpoint accuracy.

Asset classes Info

  • Stocks
    65%
  • No data
    35%

On the asset class view, 65% of the portfolio is classified as stocks, with the remaining 35% marked as “No data.” That gap reflects missing look-through classification rather than a deliberate non-equity allocation, so it doesn’t mean a third is in cash or bonds. Still, what is visible clearly shows a pure equity posture, with no explicit stabilizing asset class like high-grade bonds in the mix. Asset class diversification matters because different categories, such as stocks and bonds, typically react differently to economic shocks. Here, the risk and return profile are driven mainly by the ups and downs of global equity markets rather than a multi-asset blend.

Sectors Info

  • Technology
    14%
  • Financials
    13%
  • Industrials
    11%
  • Consumer Discretionary
    5%
  • Energy
    5%
  • Basic Materials
    5%
  • Telecommunications
    3%
  • Health Care
    3%
  • Consumer Staples
    3%
  • Utilities
    2%
  • Real Estate
    1%

Sector exposure is spread across many areas, with technology at 14%, financials at 13%, and industrials at 11%, followed by smaller slices in consumer, energy, materials, telecom, health care, staples, utilities, and real estate. This looks fairly balanced and broadly aligns with diversified equity benchmarks, rather than being dominated by a single industry. Sector diversification is useful because different parts of the economy lead or lag at different times. For example, cyclical sectors can shine in strong expansions, while defensives like utilities or staples may hold up better in downturns. This portfolio’s sector mix provides exposure to a wide economic footprint, helping avoid over-reliance on one theme.

Regions Info

  • North America
    38%
  • Europe Developed
    13%
  • Japan
    7%
  • Asia Developed
    2%
  • Asia Emerging
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%

Geographically, the portfolio leans heavily toward North America at 38%, with meaningful allocations to developed Europe (13%) and Japan (7%), and smaller slices in other developed and emerging regions. Compared with a truly global market-cap index, this looks somewhat U.S.-tilted, which is common for many investors, but still shows solid international diversification. Geographic spread matters because economies, interest-rate policies, and currencies can all diverge across regions. Having exposure beyond one country helps reduce the impact of local shocks or policy changes. At the same time, a notable North American focus means results are still strongly influenced by that region’s equity market and currency behavior.

Market capitalization Info

  • Mega-cap
    20%
  • Large-cap
    18%
  • Small-cap
    10%
  • Mid-cap
    9%
  • Micro-cap
    6%

By market capitalization, the portfolio holds 20% in mega‑caps and 18% in large‑caps, with the rest spread across mid‑caps, small‑caps, and a visible 6% micro‑cap slice. This is more size-diversified than many broad-market portfolios, which often lean mostly toward mega and large companies. Market cap matters because company size often influences volatility and growth potential: smaller firms tend to be more volatile but can offer higher long-term return potential, while mega‑caps are often more stable but slower-moving. Here, the mix combines the resilience of larger firms with added risk and potential reward from smaller names, contributing to the portfolio’s overall growth orientation.

True holdings Info

  • NVIDIA Corporation
    4.63%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
  • Broadcom Inc
    2.67%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
  • Apple Inc
    2.33%
    Part of fund(s):
    • State Street® SPDR® Portfolio S&P 500® ETF
  • Alphabet Inc Class A
    2.25%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
  • Alphabet Inc Class C
    1.80%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
  • Microsoft Corporation
    1.72%
    Part of fund(s):
    • State Street® SPDR® Portfolio S&P 500® ETF
  • Micron Technology Inc
    1.41%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
  • Amazon.com Inc
    1.27%
    Part of fund(s):
    • State Street® SPDR® Portfolio S&P 500® ETF
  • Johnson & Johnson
    0.97%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
  • Meta Platforms Inc.
    0.78%
    Part of fund(s):
    • State Street® SPDR® Portfolio S&P 500® ETF
  • Top 10 total 19.83%

Looking through the ETF top holdings, several large names appear repeatedly, such as NVIDIA, Broadcom, Apple, Alphabet (A and C shares), Microsoft, Amazon, and Meta. NVIDIA stands out at around 4.6% total exposure, driven entirely through ETFs, while other mega‑cap tech and communication names sit between about 0.8% and 2.7% each. This overlap reflects how broad index and momentum funds naturally converge on the largest, strongest-performing companies. Hidden concentration like this means a handful of mega‑cap growth names can meaningfully drive portfolio returns even though no single stock is held directly. Because only ETF top‑10 positions are visible, actual overlap is likely a bit higher than shown.

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
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure shows a strong tilt toward value at 61%, modestly above a neutral 50% reading, while size, momentum, quality, yield, and low volatility all sit around the neutral zone. Factors are like investing “ingredients” that describe characteristics such as cheapness (value), trend-following (momentum), or stability (low volatility) that research has linked to returns over time. A value tilt generally means greater exposure to companies trading at lower prices relative to fundamentals, which can help during value-led market phases but may lag when growth or high-momentum stocks dominate. The broadly neutral stance on other factors keeps the overall behavior closer to a diversified market-like profile, with value as the main distinct angle.

Risk contribution Info

  • State Street® SPDR® Portfolio S&P 500® ETF
    Weight: 35.00%
    34.8%
  • Invesco S&P 500® Momentum ETF
    Weight: 22.00%
    22.9%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 13.00%
    15.9%
  • Invesco S&P International Developed Momentum ETF
    Weight: 12.00%
    10.8%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 10.00%
    8.8%
  • Top 5 risk contribution 93.1%

Risk contribution shows how much each ETF drives the portfolio’s overall volatility, which can differ from simple weights. The S&P 500 core fund is 35% of the portfolio and contributes about 35% of risk, closely aligned. The U.S. momentum ETF is 22% of assets but adds nearly 23% of risk, slightly above its weight, while the U.S. small-cap value ETF is 13% of assets yet contributes almost 16% of risk, reflecting its higher volatility. The top three positions together account for about 74% of total risk. This pattern is typical: larger and more volatile holdings naturally dominate the portfolio’s ups and downs, even when many smaller positions are present.

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 chart compares this portfolio to the efficient frontier, using Sharpe ratio as the gauge of risk‑adjusted return. The current mix has a Sharpe of 0.7, with historical return around 17.9% and volatility near 19.8%. The optimal combination of the same holdings, at the same approximate risk level, shows a higher Sharpe of 0.97 and return around 21.1%, meaning a better tradeoff between risk and reward. The portfolio currently sits about 2.2 percentage points below the frontier, so it’s not making full use of what these ETFs could deliver if weighted differently. Still, its Sharpe ratio is respectable, and the minimum‑variance mix doesn’t drastically reduce risk compared to now.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.80%
  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Invesco S&P International Developed Momentum ETF 3.60%
  • Invesco S&P 500® Momentum ETF 0.70%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • State Street® SPDR® Portfolio S&P 500® ETF 1.00%
  • Weighted yield (per year) 1.60%

The overall dividend yield for the portfolio is about 1.6%, blending lower-yielding U.S. momentum and S&P 500 exposure with higher yields from international and small-cap value funds. Dividend yield is simply the annual cash payout as a percentage of investment value, like a rent check from owning shares. In this case, income plays a secondary role compared with capital growth, which is common for growth-tilted equity portfolios. Some of the higher-yielding international and value strategies add a modest income cushion, but the main return driver historically has been price appreciation. Dividends still contribute to total return over time, especially when reinvested, even if they’re not the portfolio’s primary focus.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.12%

The weighted average ongoing cost (TER) of the ETFs comes out to about 0.12% per year, which is very low for an actively tilted, globally diversified equity mix. TER, or Total Expense Ratio, is the annual fee charged by funds, quietly deducted from returns like a small service charge. Costs matter because they compound over time: even small differences can add up over decades. Here, the use of ultra-low-cost core exposure alongside moderately priced factor and small-cap strategies keeps the overall fee drag minimal. This cost discipline is a clear strength, supporting better long-run net returns without sacrificing diversification or strategic tilts.

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