Growth focused equity portfolio with strong US tilt and balanced factor exposures
Report created on Aug 24, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 55.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 25.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 10.00%
This portfolio is a simple four-ETF, 100% stock mix with a clear tilt to US equities. Over half sits in a broad US large-cap index, a quarter in a total international stock fund, with the remaining fifth split between a dedicated US small-cap value fund and a targeted technology ETF. Structurally, this blends broad market exposure with a couple of deliberate “tilts” toward smaller companies and the tech sector. A fully equity-based structure tends to aim for higher long-term growth but accepts larger short-term swings in value. The overall design is straightforward and transparent, which makes it easier to understand how each piece influences performance, risk, and diversification.
Growth
From late 2019 to August 2026, a $1,000 hypothetical investment grew to about $2,821, implying a compound annual growth rate (CAGR) of 16.26%. CAGR is like your average speed on a road trip: it smooths out all the ups and downs into one yearly number. Over this period, the portfolio slightly lagged the US market by 0.12% a year but outpaced the global market by 2.28% annually. The worst drawdown was about -34.8% during early 2020, very similar to the benchmarks. This shows the portfolio has behaved much like a growth-oriented equity mix, participating fully in both market declines and recoveries. As always, past performance doesn’t guarantee similar future results.
Projection
The Monte Carlo projection uses historical returns and volatility to simulate many possible 15‑year paths for $1,000, rather than assuming a single straight-line outcome. Think of it as rolling the market dice 1,000 times based on past patterns. The median ending value of about $2,711 corresponds to an average annual return of roughly 8.05% across simulations, with a wide range from around $1,017 (p5) to $7,473 (p95). About 73% of simulations end with a positive return. These numbers highlight both the growth potential and the uncertainty inherent in an all‑equity portfolio. Simulations are based on history, so they’re illustrative, not predictive guarantees.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with no bonds or cash included in the asset class breakdown. A 100% equity allocation concentrates on growth assets, which typically have higher long‑term return potential than bonds but also larger, more frequent drawdowns. This is reflected in the portfolio’s risk rating of 5/7 and “Growth” classification. Compared with many blended stock‑bond benchmarks, the absence of fixed income means there is little built‑in shock absorber during market stress. The flip side is that, in strong equity markets, the portfolio fully participates in upside. Asset‑class simplicity makes it clear that nearly all risk and return here comes from global stock markets.
Sectors
- Technology 36%
- Financials 15%
- Industrials 10%
- Consumer Discretionary 9%
- Health Care 7%
- Telecommunications 7%
- Energy 5%
- Consumer Staples 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector-wise, the portfolio leans heavily toward technology at 36%, with financials, industrials, and consumer discretionary making up much of the rest. This is more tech‑concentrated than broad global benchmarks, largely due to the dedicated tech ETF and the tech-heavy nature of major US indices. Sector diversification remains reasonable across other areas like health care, communication, energy, and staples, so exposure isn’t purely one-dimensional. Tech-heavy allocations tend to be more sensitive to interest rates, innovation cycles, and sentiment around high‑growth companies. At the same time, they’ve historically driven a lot of equity market gains. This mix reflects a balance between broad market representation and an intentional tilt toward growth-oriented sectors.
Regions
- North America 77%
- Europe Developed 9%
- Asia Developed 4%
- Japan 4%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 77% of the equity exposure is in North America, with the remainder spread across Europe, Japan, developed Asia, emerging Asia, and smaller allocations to other regions. This is more US‑tilted than global market-cap benchmarks, which typically hold a larger share of non‑US stocks. The international fund does add meaningful diversification beyond the US, but the portfolio’s behavior will still be closely tied to North American markets and the US dollar. That alignment has been beneficial over recent years as US stocks outperformed many regions. It also means that political, economic, or policy shifts in the US can have an outsized effect on the overall portfolio compared with a more geographically even mix.
Market capitalization
- Mega-cap 42%
- Large-cap 29%
- Mid-cap 16%
- Small-cap 7%
- Micro-cap 5%
The market cap breakdown shows 42% in mega‑caps and 29% in large‑caps, with the remainder in mid, small, and micro‑caps. This is broadly consistent with a core index approach that mirrors the global market’s tilt toward very large companies but adds a deliberate small‑cap sleeve through the US small‑cap value ETF. Larger companies often bring more stability and liquidity, while smaller firms can be more volatile yet potentially offer different growth or valuation characteristics. Having exposure across the size spectrum can create a smoother blend of behaviors over time. The added small‑cap component introduces an extra dimension of diversification beyond just geography and sector.
True holdings
-
NV NVIDIA Corporation 5.85%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AA Apple Inc. 5.25%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.46%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 1.99%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.94%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.79%
Part of fund(s):- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 1.49%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.42%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.06%
Part of fund(s):- Vanguard S&P 500 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.06%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 25.31%
Looking through the ETFs’ top holdings, a significant share of the covered portion sits in a handful of large, well-known technology and internet-related companies such as NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Meta. NVIDIA and Apple each represent more than 5% of the portfolio within the covered slice, indicating notable concentration in a few mega‑cap names. Because these companies appear across multiple ETFs, especially US and tech-focused ones, the true overlap is likely higher than it looks, given only top‑10 positions are used. This kind of “hidden” concentration means that events affecting a small set of large firms can have an outsized impact on the portfolio’s short- and medium‑term performance.
Factors
Factor exposure is overall very balanced, with all six measured factors — value, size, momentum, quality, yield, and low volatility — sitting in the neutral range around 50%. Factor exposure is like looking at the underlying “personality traits” of your portfolio, based on characteristics that research has linked to long-term returns. A neutral profile suggests the mix behaves much like a broad market index rather than strongly emphasizing any particular style such as deep value, high momentum, or low volatility. This alignment with market‑like factor tilts can be helpful for investors who want their returns to resemble the global equity market’s overall pattern, with tilts mainly coming from geography and sector rather than style bets.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 55.00% 54.2% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 25.00% 21.6% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 10.00% 12.6% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 11.7%
Risk contribution measures how much each ETF adds to the portfolio’s overall ups and downs, which can differ from its weight. Here, the S&P 500 ETF is 55% of the portfolio and contributes about 54% of the risk, almost one‑for‑one, showing it’s the main driver of volatility. The tech and small‑cap value ETFs, each at 10% weight, contribute roughly 12–13% and 12% of risk, respectively, so they punch slightly above their size. The international fund contributes less risk than its weight, which often reflects diversification benefits from non‑US markets. Overall, the top three holdings account for about 88% of total risk, consistent with a concentrated, yet still diversified, core‑and‑satellite structure.
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 shows the current portfolio sitting on or very close to the frontier, meaning that for its level of risk, the mix is using these four holdings in an efficient way. The Sharpe ratio — a measure of return per unit of risk, using 4% as a risk‑free rate — is 0.65 for the current allocation. The minimum-variance mix slightly improves Sharpe to 0.69 with lower risk, while the max‑Sharpe mix reaches 0.91 but with higher volatility. Importantly, all points lie on the same curve built only from these ETFs, so potential improvements would come from reweighting, not changing funds. This suggests the existing structure is already broadly well‑tuned for risk and return.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.20%
- Vanguard Information Technology Index Fund ETF Shares 0.40%
- Vanguard S&P 500 ETF 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.50%
- Weighted yield (per year) 1.34%
The blended dividend yield of about 1.34% is modest, reflecting a growth-oriented equity mix with a strong technology and US large‑cap presence. Dividend yield measures how much cash the portfolio pays out each year as a percentage of its value, separate from price changes. The international fund has the highest yield at 2.5%, while the tech ETF is much lower at 0.4%, which is typical for growth sectors. This pattern indicates that most of the portfolio’s return historically has come from price appreciation rather than income. For an all‑equity allocation with a tech tilt, this level of yield is consistent with a focus on companies that reinvest earnings for growth instead of paying them out as dividends.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.06%
The portfolio’s total expense ratio (TER) is very low at about 0.06% per year, thanks to the heavy use of broad Vanguard index ETFs and a single slightly higher‑cost small‑cap value fund. TER represents the annual management fee charged by the funds as a percentage of assets, quietly reducing returns each year. Here, costs are impressively low and align with some of the most cost‑efficient offerings in the market. Over long horizons, saving even a few tenths of a percent annually can compound into a meaningful difference in portfolio value. This cost structure provides a strong foundation, allowing more of the portfolio’s gross returns to show up in net performance.
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