Global equity portfolio with strong US core and attention to quality and low volatility stocks
Report created on May 27, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
DF Dimensional U.S. Equity ETF
DFUS - US25434V4014 50.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30.00% -
AV Avantis ALL Equity Markets Value ETF
AVGV - US0250722164 20.00%
This portfolio is a three-fund global stock mix with a clear US anchor. About half sits in a broadly diversified US equity ETF, 30% is in a total international stock ETF, and 20% is in a global value-tilted ETF. So it’s 100% in equities, with no bonds or cash showing in the core allocation. A structure like this keeps things simple: one building block for US, one for overseas, and one for value tilts. That simplicity makes it easier to understand what’s driving returns. It also means all risk and return come from stocks, so ups and downs will be more noticeable than in a portfolio that mixes in bonds.
Growth
Historically, a hypothetical $1,000 in this portfolio grew to about $1,718 over the period, giving a compound annual growth rate (CAGR) of 20.66%. CAGR is like your average speed on a road trip: it smooths out the bumps to show long-run pace. The portfolio slightly trailed the US market benchmark but modestly beat the global market benchmark, which is a solid outcome. The worst peak-to-trough decline, or max drawdown, was about -16.8%, a bit milder than the US market’s -18.8%. It also recovered within a few months, showing resilience. Only 23 days made up 90% of returns, underlining how a small number of strong days can heavily influence long-term performance.
Projection
The Monte Carlo projection uses past volatility and returns to simulate many possible 15‑year paths. Think of it as running the same coin toss game 1,000 times to see the range of outcomes, not just a single guess. In these simulations, the median outcome grows $1,000 to about $2,768, with an overall average annualized return of 8%. The “likely” middle band ranges from roughly $1,790 to $4,112, while extreme but still plausible paths stretch from around $975 to $7,477. About 73% of simulations ended positive. These are not promises; they’re probability-based sketches showing that long-term results can vary widely even with the same starting portfolio.
Asset classes
- Stocks 100%
All of this portfolio is invested in stocks, with 0% in bonds, cash, or alternatives. That’s straightforward to understand: the whole engine of risk and return is global equities. A 100% stock mix can grow strongly over long periods but typically experiences sharper swings over shorter ones compared with mixed stock‑bond portfolios. Relative to broad global benchmarks, the all‑equity stance is more return‑oriented and less focused on smoothing volatility. From a diversification angle, the main risk spreading here happens within equities themselves—across countries, sectors, and company sizes—rather than by combining very different asset classes that behave differently in stress periods.
Sectors
- Technology 26%
- Financials 17%
- Industrials 13%
- Consumer Discretionary 10%
- Telecommunications 8%
- Health Care 7%
- Energy 6%
- Consumer Staples 5%
- Basic Materials 5%
- Utilities 2%
- Real Estate 1%
Sector-wise, the portfolio is led by technology at 26%, followed by financials at 17% and industrials at 13%, with the rest spread across consumer areas, telecom, health care, energy, materials, utilities, and real estate. This looks broadly similar to many global equity benchmarks, with a noticeable but not extreme tech presence. Tech-heavy allocations can benefit when innovation and growth stocks are in favor but can be more sensitive when interest rates rise or when investors rotate toward more defensive areas. The relatively balanced exposure across cyclical and defensive sectors helps reduce the risk of any one economic theme dominating the portfolio’s behavior over time.
Regions
- North America 65%
- Europe Developed 14%
- Asia Developed 6%
- Japan 6%
- Asia Emerging 5%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 65% of the portfolio sits in North America, with most of the rest spread across developed Europe and Asia plus smaller slices in emerging regions. That US‑leaning pattern is common because US companies still make up a large share of global market value. Compared with a perfectly world‑market-weighted approach, this is modestly overweight North America and underweight some other regions. The upside is strong exposure to deep, liquid markets and many global leaders. The trade‑off is that economic and policy developments in the US have an outsized influence on returns, while events in smaller regions matter less for the overall portfolio.
Market capitalization
- Mega-cap 39%
- Large-cap 29%
- Mid-cap 20%
- Small-cap 8%
- Micro-cap 3%
By market capitalization, the portfolio tilts toward larger companies, with about 39% in mega‑caps and 29% in large‑caps, then stepping down through mid‑caps, small‑caps, and a small slice of micro‑caps. This shape is broadly consistent with global equity index weightings, where the biggest companies naturally take more space. Large companies often bring more stability and liquidity, while smaller ones can be more volatile but sometimes offer stronger growth bursts. Having exposure across the size spectrum spreads company‑specific risk. At the same time, the dominance of mega‑caps means that shifts in a relatively small set of very large firms can significantly sway total portfolio performance.
True holdings
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NV NVIDIA Corporation 3.84%
Part of fund(s):- Dimensional U.S. Equity ETF
-
AA Apple Inc 3.38%
Part of fund(s):- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Avantis ALL Equity Markets Value ETF
- Dimensional U.S. Equity ETF
-
MS Microsoft Corporation 2.29%
Part of fund(s):- Dimensional U.S. Equity ETF
-
AM Amazon.com Inc 2.12%
Part of fund(s):- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Avantis ALL Equity Markets Value ETF
- Dimensional U.S. Equity ETF
-
GO Alphabet Inc Class A 1.67%
Part of fund(s):- Dimensional U.S. Equity ETF
-
AV Broadcom Inc 1.44%
Part of fund(s):- Dimensional U.S. Equity ETF
-
GO Alphabet Inc Class C 1.38%
Part of fund(s):- Dimensional U.S. Equity ETF
-
ME Meta Platforms Inc. 1.19%
Part of fund(s):- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Avantis ALL Equity Markets Value ETF
- Dimensional U.S. Equity ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.15%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
TS Tesla Inc 0.94%
Part of fund(s):- Dimensional U.S. Equity ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Top 10 total 19.39%
Looking through the ETFs’ top holdings, the biggest underlying names include NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Taiwan Semiconductor. These are some of the most influential global companies, and several appear across multiple ETFs, creating overlap. For example, the top ten combined exposures already account for a noticeable slice of the portfolio, even though they’re held indirectly. Overlap can mean hidden concentration: if the same stock shows up in multiple funds, its impact on performance and risk is greater than any single fund lineup might suggest. Note that actual overlap is likely higher because only top‑10 ETF holdings are visible here.
Factors
Factor exposure is broadly balanced around the market average across value, size, momentum, quality, and yield, meaning the portfolio does not strongly lean into or away from these styles. The one notable tilt is toward low volatility, with a higher-than-neutral exposure. Factors are like investment “personality traits” that academic research links to long-term return patterns. A mild low‑volatility tilt suggests a preference for stocks that historically have had smaller price swings than the wider market. In some environments, this can help soften drawdowns, though it may lag during sharp, risk‑on rallies. Overall, the factor profile is well-rounded rather than aggressively style‑driven.
Risk contribution
-
Dimensional U.S. Equity ETF
Weight: 50.00% 51.4% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 28.6% -
Avantis ALL Equity Markets Value ETF
Weight: 20.00% 20.0%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the contribution lines up closely with allocations: the US equity ETF is 50% of the portfolio and about 51% of risk; the international ETF is 30% and about 29% of risk; the value ETF is 20% and contributes about 20% of risk. This one‑to‑one relationship suggests that no single fund is unusually volatile relative to its size, and correlations among them are fairly typical. It’s a clean, intuitive structure where position size is a good guide to each holding’s importance for total risk.
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 efficient frontier chart, the current mix sits right on or very close to the frontier, meaning that, given these three ETFs, it delivers a strong balance of risk and return. The Sharpe ratio—risk‑adjusted return—of 1.11 is lower than the optimal blend’s 1.33 but still high in absolute terms for the period measured. The “optimal” and “minimum variance” points are only slightly different in both return and risk, which suggests the current allocation already makes effective use of the available building blocks. Any potential gains from reweighting among just these three funds appear incremental rather than transformational.
Dividends
- Avantis ALL Equity Markets Value ETF 1.90%
- Dimensional U.S. Equity ETF 0.80%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.59%
The portfolio’s total dividend yield comes in around 1.59%, combining lower yields from the US core ETF with higher payouts from the international and value‑tilted funds. Dividends are cash distributions companies pay from profits; they can be an important part of long‑term total return, especially when reinvested. Here, the yield is modest, which is common for globally diversified stock portfolios focused more on broad exposure than on explicit income targeting. The value‑oriented ETF and international fund provide a bit more yield support, while the growthier US segment leans more on price appreciation than on regular cash payments.
Ongoing product costs
- Avantis ALL Equity Markets Value ETF 0.26%
- Dimensional U.S. Equity ETF 0.09%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.11%
The weighted total expense ratio for this portfolio is very low at about 0.11% per year. TER is the annual fee charged by the funds as a percentage of assets, quietly deducted inside the ETFs. In practical terms, paying 0.11% instead of, say, 0.5% or 1% leaves more of the portfolio’s gross return in your pocket each year. Over long timeframes, that difference compounds meaningfully. The costs here are impressively low and compare favorably with many actively managed or niche strategies. That fee efficiency is a strong structural advantage, supporting better long‑term outcomes for any given level of market performance.
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