A highly diversified equity focused portfolio with tilted small value exposure and a modest bitcoin slice

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.

What type of investor this portfolio is suitable for

Balanced Investors

This setup suits an investor who is comfortable with moderate to moderately high risk in exchange for strong long term growth potential. They likely have a multi decade horizon, can tolerate meaningful swings in account value, and are less focused on steady income today. They appreciate broad diversification across companies, sizes, and regions, and are open to a small allocation in more speculative assets like digital assets, as long as it stays contained. This person values low costs and simple structures but is also interested in strategic tilts that could boost returns over time. Staying invested through downturns and rebalancing calmly would fit their temperament.

Positions

  • Vanguard S&P 500 ETF
    VOO - US9229083632
    60.00%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    15.00%
  • Avantis® International Small Cap Value ETF
    AVDV - US0250728021
    10.00%
  • Avantis® U.S. Small Cap Value ETF
    AVUV - US0250728773
    10.00%
  • iShares Bitcoin Trust
    IBIT - US46438F1012
    5.00%

This portfolio is dominated by equities, with roughly three fifths in a broad US index and the rest mainly in international and small value tilts, plus a small bitcoin position. This structure leans heavily toward long term growth while still spreading risk across many companies and regions. A broad index core gives stability and simplicity, while satellite tilts can nudge returns and risk characteristics. Keeping bitcoin at a small percentage helps limit potential damage if it swings sharply. Sticking to a clear core and satellite split, and rebalancing periodically, can keep the overall risk profile close to a balanced growth approach without drifting into something much more aggressive over time.

Growth Info

Historically this mix has done extremely well, with an annual growth rate above 20% and a relatively mild peak to trough drop of about 17%. That means a hypothetical 10,000 dollars could have grown very quickly compared with a typical balanced benchmark. The flip side is that such strong performance is unlikely to be permanent; markets move in cycles and leadership changes. Past numbers are a snapshot of one period, not a promise. It can help to mentally “haircut” past returns when setting expectations and to check whether current risk feels acceptable if the next decade looks more average or even below average.

Projection Info

The Monte Carlo results here look extremely optimistic, with a median outcome around nineteen times the starting amount and a very high average simulated return. Monte Carlo is a method that takes past return and volatility patterns, then generates thousands of random future paths, a bit like rolling dice many times to see a range of possible journeys. These projections are helpful for understanding uncertainty, but they are only as realistic as the assumptions behind them. Structural changes, new regulations, or long low return periods are hard to capture. It can be useful to treat the mid range scenarios as “best case planning tools” and to stress test expectations using more conservative numbers.

Asset classes Info

  • Stocks
    94%
  • Other
    5%
  • Cash
    0%
  • No data
    0%

Almost all of this portfolio sits in stocks, with a small slice in a non traditional “other” asset through bitcoin and essentially nothing in bonds or cash. That makes the mix more aggressive than a classic balanced profile, which often blends stocks with a meaningful bond cushion. Stock heavy allocations generally grow more over long periods but can fall sharply during recessions or market panics. The high diversification across thousands of companies helps, but it does not remove equity risk. If a smoother ride or more predictable income is important, adding a modest stabilizing sleeve and defining a target stock percentage range can keep the risk score aligned with life events and spending needs.

Sectors Info

  • Technology
    24%
  • Financials
    15%
  • Consumer Discretionary
    11%
  • Industrials
    11%
  • Telecommunications
    8%
  • Health Care
    8%
  • Energy
    5%
  • Basic Materials
    5%
  • Consumer Staples
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is broad and closely resembles a global equity benchmark, with healthy weights in technology, financials, consumer areas, industrials, and smaller slices across the rest. This spread is a real strength: no single economic theme completely dominates outcomes, and the allocation looks similar to widely followed indices. Tech and related growth areas are still the largest share, so they will influence short term swings more than others, especially when interest rates move. Rotations between sectors are notoriously hard to time. A practical approach is to let broad indices set the base weights, avoid big bets on any one theme, and rely on periodic rebalancing rather than trying to chase sector winners.

Regions Info

  • North America
    72%
  • Europe Developed
    10%
  • Japan
    6%
  • Asia Emerging
    2%
  • Asia Developed
    2%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    0%
  • Europe Emerging
    0%

Geographically, the portfolio tilts strongly toward North America, with meaningful but smaller allocations to Europe, Japan, and bits of the rest of the world. This pattern is close to common global benchmarks, which are also US heavy because US markets are so large. That alignment with global standards is a positive sign for diversification and familiarity with underlying companies. The downside is some dependence on one economic region’s fortunes and currency. International positions help dilute that home bias, but they’re still a minority. Keeping an eye on whether the overseas share matches comfort levels, and adjusting slowly rather than in big swings, can help balance global opportunity with home market confidence.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    26%
  • Mid-cap
    19%
  • Small-cap
    10%
  • Micro-cap
    5%

Market capitalization exposure is nicely spread across mega, large, mid, small, and even micro sized companies. That broad spectrum is a core diversification win, since different size segments tend to lead in different cycles. The explicit small value tilts add extra exposure to historically more volatile but sometimes higher returning corners of the market. This mix may swing more than a pure large cap index, particularly during stress, but can also benefit when smaller and cheaper companies rebound. Sticking with a clear target range for each size group, and rebalancing back when one part runs far ahead, helps keep the intended tilt without accidentally letting any single size bucket dominate risk and behavior.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.70%
  • Avantis® U.S. Small Cap Value ETF 1.40%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.50%

The overall dividend yield around one and a half percent is modest, reflecting a focus on broad equity growth rather than income. Dividends are the cash payments companies share with investors, and they can play an important role in total return and stability, especially for investors who like getting some regular cash flow. Here, yields from international funds offer a bit more income, while US large caps and small caps sit lower. This setup fits growth oriented goals more than living off portfolio income. If future income needs become more important, shifting a slice toward higher yielding or more income focused holdings could support withdrawals without relying as heavily on selling in down markets.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares Bitcoin Trust 0.12%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.09%

The overall cost level is impressively low, with a blended expense ratio under one tenth of a percent. Expense ratios are the annual fees charged by funds, and shaving even small fractions off these costs compounds into meaningful extra wealth over long periods. The very low fees on the core index funds are especially helpful, and even the more specialized small value funds are reasonably priced for their role. Keeping this cost discipline is a major advantage versus many actively managed or high fee products. Periodically checking that any higher cost holdings still earn their keep and avoiding unnecessary trading can preserve this edge and support better long term outcomes.

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.

Efficient Frontier analysis suggests there is a way to rearrange these same building blocks to reach a higher expected return at roughly the same risk level. The Efficient Frontier is just the curve of best possible risk return trade offs for a given set of assets. “More efficient” here means squeezing more expected return out of each unit of volatility, not necessarily improving diversification or downside protection in every scenario. It’s still based on historical patterns that may not repeat. Using this insight as a guide, not a strict rule, can help fine tune the weights between core index holdings, small value tilts, and bitcoin without abandoning the overall balanced growth personality of the portfolio.

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