Globally diversified all stock portfolio with moderate factor tilts and efficient low cost structure
Report created on Apr 10, 2026Risk 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
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VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 60.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 10.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 10.00%
This portfolio is a simple four‑fund, 100% stock setup tilted toward broad market exposure. Around 60% sits in a total US market fund, 20% in a total international fund, with two 10% “satellite” positions in international small‑cap value and US dividend stocks. Structurally, that’s a classic core‑and‑satellite design: one big low‑cost core, plus a couple of targeted tilts around it. This matters because most long‑term results usually come from the core, while satellites nudge risk, income, or style. The big takeaway: the backbone here is broad, low‑cost equities, and the smaller positions fine‑tune income and small‑cap value exposure rather than dominating the overall behavior.
Growth
From late 2019 to early 2026, $1,000 grew to about $2,319, a compound annual growth rate (CAGR) of 13.78%. CAGR is like your average “speed” over the whole trip, smoothing out bumps. That’s slightly behind the US market benchmark but ahead of the global market, which is a solid outcome for a globally diversified equity mix. The worst peak‑to‑trough drop was about -35% during the early 2020 crash, roughly in line with broad markets, and it took about five months to recover. The fact that 90% of returns came from just 20 days highlights how missing a handful of strong days can dramatically impact results, reinforcing the value of staying invested.
Projection
The 15‑year Monte Carlo projection uses past return and volatility patterns to simulate 1,000 different future paths. Monte Carlo is basically a big “what if” machine: it shakes the historical data, runs many possible futures, and shows a range of outcomes rather than one forecast. The median scenario takes $1,000 to around $2,748, with a wide but realistic range around that. The average simulated annual return of about 8% is lower than the recent historical 13–15%, reminding you not to assume the last few years will repeat. The key takeaway: most simulations are positive, but the spread is large, so planning should allow for both better and worse-than‑median outcomes.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with no bonds or cash‑like assets in the mix. That’s a textbook “growth investor” profile: looking for higher long‑term returns and accepting bigger ups and downs along the way. This is very different from a blended stock‑bond portfolio, which would usually have smoother performance but lower expected returns. The upside is maximum equity growth potential over long horizons; the downside is you should be prepared for deep drawdowns, potentially 30–50% at times. For someone with a multi‑decade horizon and stable outside cash needs, a pure‑equity stance can make sense; for shorter horizons, that level of volatility can be emotionally and practically challenging.
Sectors
- Technology 24%
- Financials 14%
- Industrials 13%
- Consumer Discretionary 10%
- Health Care 10%
- Telecommunications 8%
- Consumer Staples 6%
- Energy 6%
- Basic Materials 5%
- Utilities 2%
- Real Estate 2%
Sector exposure is fairly broad, with technology around a quarter of the portfolio, followed by financials, industrials, consumer, and health care. This looks roughly in line with global equity benchmarks, leaning a bit growth‑oriented due to the tech and communication exposure in the big US names. Sector diversification helps ensure that a slump in any one area (say, energy or financials) doesn’t dominate total performance. A tech‑heavier tilt can mean more sensitivity to interest rate changes and market sentiment around innovation, while the dividend and value sleeves help keep some exposure to more traditional, cash‑generating businesses. Overall, the sector mix is well‑balanced and aligns closely with common global standards.
Regions
- North America 73%
- Europe Developed 11%
- Japan 6%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 2%
- Africa/Middle East 1%
Geographically, about 73% is in North America, with the rest spread across developed Europe, Japan, other developed Asia, emerging Asia, Australasia, and a small slice in Africa/Middle East. That’s pretty close to global market‑cap weights, where the US naturally dominates but isn’t the only story. This alignment is helpful: it means you’re not making a big active bet on any single region, so you benefit when leadership rotates between the US and the rest of the world. The international small‑cap value ETF also adds exposure to parts of the market that broad global funds often underweight, slightly boosting diversification across economies and currencies.
Market capitalization
- Mega-cap 34%
- Large-cap 32%
- Mid-cap 22%
- Small-cap 9%
- Micro-cap 2%
Market‑cap exposure leans strongly toward larger companies, with about two‑thirds in mega and large caps, but you still have a solid 30‑plus percent in mid, small, and micro caps. This mirrors broad equity markets, where big companies naturally take up more space. Large caps tend to be more stable and widely covered, while small caps can be more volatile but offer higher growth potential and different economic sensitivities. The dedicated international small‑cap value position is a nice way to intentionally reach down the size spectrum outside the US. Overall, this size mix offers a good blend of stability from giants and extra diversification from smaller names.
True holdings
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NV NVIDIA Corporation 3.71%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 3.53%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.65%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.83%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.64%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.37%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.30%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.28%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.03%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
BR Berkshire Hathaway Inc 0.82%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 19.16%
Looking through ETF top holdings, a notable chunk of exposure sits in mega US names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, and Tesla. These positions show up across multiple funds, which creates “hidden” concentration even though you only own four ETFs. Overlap isn’t extreme, but the top ten companies alone account for a meaningful slice of your equity risk. This matters because the portfolio will feel large‑cap US growth sentiment quite strongly, especially around big tech and communication services. The positive angle: these are highly liquid, widely followed businesses; the tradeoff is that your results will be sensitive to how the US mega‑cap complex performs going forward.
Factors
Factor exposure is very close to neutral across value, size, momentum, quality, yield, and low volatility, meaning it behaves a lot like the overall market’s blend of styles. Factor exposure just measures how much you lean into characteristics like “cheap vs. expensive” or “stable vs. volatile” that research links to returns. Nothing here stands out as a strong tilt, which is actually a positive if you don’t want to bet heavily on any one style. The small‑cap value and dividend pieces nudge value and yield slightly, but the big total‑market core keeps things balanced. This well‑balanced factor profile should help the portfolio avoid being overly dependent on any single style regime.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 60.00% 63.9% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 18.3% -
Avantis® International Small Cap Value ETF
Weight: 10.00% 9.1% -
Schwab U.S. Dividend Equity ETF
Weight: 10.00% 8.7%
Risk contribution shows how much each holding drives the portfolio’s overall volatility, which can differ from its weight. Your total US stock ETF is 60% of the portfolio but contributes about 64% of total risk, so it slightly dominates the ride. The international total market, small‑cap value, and dividend ETFs all contribute a bit less risk than their weights, meaning they’re diversifying rather than amplifying volatility. The top three holdings together drive about 91% of portfolio risk, which is expected given the concentrated core. If you ever wanted more even risk sharing, you’d adjust position sizes; as it stands, most of the behavior will track the broad US and global equity markets.
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 chart compares your current mix with the best possible risk/return combos using only these four funds. The Sharpe ratio, a measure of return per unit of risk, is 0.57 for the current portfolio versus 0.80 at the optimal point and 0.67 for the minimum‑variance mix. Your current allocation sits about 1.37 percentage points below the frontier at its risk level, meaning a different weighting of the same funds could improve risk‑adjusted returns without adding new products. The positive news: you’re already in a decent region of the frontier, not wildly inefficient. Still, there’s room to tweak weights if you ever decide to fine‑tune for either slightly higher expected return or smoother volatility.
Dividends
- Avantis® International Small Cap Value ETF 2.80%
- Schwab U.S. Dividend Equity ETF 3.40%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.84%
The overall dividend yield is about 1.84%, with the dividend ETF and international small‑cap value both yielding closer to 2.8–3.4%, and the US total market fund around 1.1%. Yield is just the annual cash payout as a percentage of price. For a growth‑oriented, all‑equity portfolio, that’s a reasonable, moderate income stream, but the main return driver is still capital appreciation, not cash flow. The dedicated dividend sleeve meaningfully boosts income relative to owning only broad market funds, which can be useful for reinvestment or partial spending. Just remember that higher‑yielding stocks may behave differently in rising‑rate or risk‑off environments than fast‑growing, low‑yield names.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Schwab U.S. Dividend Equity ETF 0.06%
- 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) 0.07%
Total ongoing fund costs (TER) land around 0.07%, which is impressively low given the mix of broad and more specialized ETFs. TER, or Total Expense Ratio, is the annual fee charged by the fund, quietly deducted from returns. Keeping this number small really compounds over decades, because every 0.1% you don’t pay stays invested and grows. Your largest allocations sit in ultra‑low‑cost index funds at 0.03–0.05%, and even the more niche international small‑cap value ETF is reasonably priced for its category. This cost structure is a real strength: it supports better long‑term performance and aligns with best practices used by many institutional investors and retirement plans.
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