Growth oriented global equity portfolio with strong small cap value tilt and low ongoing costs
Report created on Apr 28, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 50.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 25.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 25.00%
This is a three-fund, 100% stock portfolio with a clear tilt toward smaller and cheaper companies. Half is in a broad US total market fund, a quarter in a dedicated US small cap value fund, and the remaining quarter in a broad international stock fund. So the core is a plain-vanilla global index, but it’s deliberately pushed toward small caps and value stocks rather than just mirroring the global market. Structurally this is simple and easy to understand, which helps with transparency and tracking. The concentration in stocks means return potential and risk are both driven almost entirely by equity markets, with no bonds or cash to dampen volatility during market swings.
Growth
From late 2019 to April 2026, $1,000 in this portfolio grew to about $2,431. That works out to a Compound Annual Growth Rate (CAGR) of 14.49%, meaning it grew on average 14.49% per year, like measuring average speed over a whole road trip. The worst drop, or max drawdown, was about -37.7% during the early 2020 crash, taking two months to fall and five to fully recover. Compared with benchmarks, it slightly lagged the US market but outpaced the global market. That pattern is consistent with a portfolio that’s mostly US but still holds a meaningful slice of international and small value stocks.
Projection
The Monte Carlo projection runs 1,000 “what if” simulations using past volatility and correlations to generate many possible 15‑year paths. It’s like rolling the dice thousands of times to see a range of futures, not just a straight-line forecast. The median outcome turns $1,000 into around $2,717, with most simulations (the middle 50%) ending between about $1,778 and $4,143. There’s still a meaningful risk of flat or negative outcomes, and some very strong ones on the upside. The average simulated annual return of roughly 7.96% reflects both good and bad paths. These results are model-based; they lean on history and can’t predict new shocks or structural changes.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash, or alternatives. That makes the asset class picture very clean: full exposure to equity growth and equity risk, with no built‑in stabilizers like fixed income. Compared with many blended portfolios that mix stocks and bonds, this is clearly on the higher-risk, higher-volatility side of the spectrum. A 100% stock allocation can capture long‑term growth if markets cooperate, but it also means portfolio value will move sharply during market stress. The historical drawdown during 2020 is a practical example of how an all‑equity mix can behave when markets correct quickly and deeply.
Sectors
- Technology 21%
- Financials 18%
- Industrials 12%
- Consumer Discretionary 12%
- Health Care 8%
- Energy 8%
- Telecommunications 7%
- Consumer Staples 5%
- Basic Materials 4%
- Utilities 2%
- Real Estate 2%
Sector exposure is reasonably spread out, with technology the largest slice at 21%, followed by financials at 18%, and then industrials and consumer discretionary at 12% each. Other sectors like health care, energy, telecoms, consumer staples, materials, utilities, and real estate all show up, though at smaller weights. This looks broadly similar to a diversified global equity index, without any single sector dominating the portfolio. A moderate tech tilt means some sensitivity to growth and interest-rate expectations, but substantial exposure to financials, industrials, and others adds balance. This alignment with broad market sector weights is a strong indicator of healthy diversification across different parts of the economy.
Regions
- North America 76%
- Europe Developed 9%
- Japan 4%
- Asia Developed 4%
- Asia Emerging 4%
- Australasia 1%
- Latin America 1%
- Africa/Middle East 1%
Geographically, about 76% is in North America, with the rest spread across Europe, Japan, other developed Asia, emerging Asia, Australasia, Latin America, and Africa/Middle East. That’s a clear US and North America tilt, stronger than a pure global market weight, which usually gives the US a bit over half. The international fund ensures the portfolio still captures developed and emerging markets abroad, but the heavy North American share means economic, political, and currency outcomes in that region have an outsized effect. This US-leaning global stance has matched many broad US‑based portfolios and has historically worked well, though it does anchor risk to one main economic bloc.
Market capitalization
- Mega-cap 32%
- Large-cap 23%
- Small-cap 17%
- Mid-cap 14%
- Micro-cap 13%
By market cap, there’s a mix of mega‑cap (32%), large‑cap (23%), mid‑cap (14%), small‑cap (17%), and micro‑cap (13%) stocks. That’s much more exposure to the smaller end of the market than a typical cap‑weighted index, where mega and large caps usually dominate. Smaller companies tend to be more volatile and sensitive to economic cycles, but they also have historically offered periods of stronger growth. The dedicated small cap value ETF is the main driver of this tilt. This structure gives the portfolio a broader footprint across company sizes, adding diversification across business models and growth stages, but also raising the intensity of short‑term ups and downs.
True holdings
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NV NVIDIA Corporation 3.20%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 2.96%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.19%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.60%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.33%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.17%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.06%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.00%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.86%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
TS Tesla Inc 0.83%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 16.18%
Looking through the ETFs’ top holdings, familiar large growth names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Broadcom, Tesla, and TSMC show up. Combined, the top ten look‑through positions add up to around 14% of the portfolio, and each of these names appears via multiple funds rather than direct single‑stock holdings. That overlap indicates some hidden concentration in the big global leaders, even though the portfolio itself is fund‑only. Since only ETF top‑10 data is used, overlap in smaller holdings is understated. Still, it shows that while there is a strong small-value tilt, the portfolio is anchored by the same major companies that drive broad global equity markets.
Factors
Factor exposure shows clear tilts toward value (66%) and size (64%), both in the “high” range. Factors are like underlying ingredients that help explain stock behavior over time. A value tilt means more exposure to companies with lower prices relative to fundamentals; a size tilt means more in smaller companies than the market average. The other factors—momentum, quality, yield, and low volatility—sit near neutral, suggesting they behave roughly like the broad market. Historically, value and small size have gone through long cycles of both underperformance and outperformance. This profile implies the portfolio may lag during growth‑led rallies but could benefit when cheaper, smaller companies are in favor.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 50.00% 48.0% -
Avantis® U.S. Small Cap Value ETF
Weight: 25.00% 31.4% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 25.00% 20.7%
Risk contribution shows how much each holding drives overall volatility, which can differ from its simple weight. The US total market ETF is 50% of the portfolio and contributes about 48% of the risk, so it behaves roughly in line with its size. The small cap value ETF is 25% by weight but contributes over 31% of total risk; its risk/weight ratio above 1 highlights that it’s punchier than its allocation suggests. The international ETF, also 25% weight, adds only about 21% of risk. This means the small cap value slice is the main amplifier of swings, while the other two play a steadier, more stabilizing role in the mix.
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.
On the risk vs. return chart, the current portfolio sits on or very close to the efficient frontier. The efficient frontier represents the best possible return for each level of risk using just these three holdings in different weights. The current Sharpe ratio of 0.57 is below the max‑Sharpe mix at 0.75, but that optimal portfolio also carries slightly higher expected return and similar risk. The minimum-variance version shows lower risk with a somewhat lower return but still a decent Sharpe. Being near the frontier means the existing allocation is already using these funds in a broadly efficient way for its chosen risk level, which is a solid structural outcome.
Dividends
- 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) 1.58%
The overall dividend yield for the portfolio is about 1.58%, blending a modest yield from US total market and small cap value with a higher yield from international stocks. Dividend yield is the cash income paid out by holdings each year as a percentage of the portfolio value. Here, most of the expected return historically and in simulations comes from price growth rather than income. This is typical for growth‑oriented, equity‑only portfolios. The higher yield of the international fund adds a small income boost and some diversification in dividend sources, but the portfolio’s primary focus remains on capital appreciation rather than building a large regular cash payout.
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) 0.09%
Total annual costs are low, with a blended Total Expense Ratio (TER) of about 0.09%. The TER is the fee charged by each ETF each year to cover running the fund, expressed as a percentage of assets. Two of the three ETFs are extremely cheap broad index funds, while the small cap value fund costs a bit more but still sits in a reasonable range for an active-tilt strategy. Over long periods, keeping fees this low can make a noticeable difference because every dollar not paid in costs stays invested and can compound. These impressively low costs create a strong foundation for long‑term performance potential.
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