A globally diversified equity portfolio with strong value and income tilts plus moderate momentum overlays

Report created on Mar 14, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is almost entirely in equities, with about 98% in stock funds, 2% in alternatives, and a tiny cash slice. Core broad-market funds sit alongside more specialized value, dividend, and momentum strategies. Compared with a simple market-cap benchmark, this setup is more “factor heavy” and less plain vanilla. That matters because concentrated exposure to certain styles can drive performance to diverge from the broad market, for better or worse. Anyone using this structure could simplify slightly by deciding which funds are core and which are satellites, then trimming overlapping pieces that aim to do similar jobs while keeping overall risk aligned with a balanced risk profile.

Growth Info

Historically, this mix delivered a strong compound annual growth rate (CAGR) of about 13.99%. CAGR is like your average speed on a long road trip, smoothing out bumps. A -23.5% max drawdown shows that, while solid, the ride has not been painless; that’s typical for an equity-tilted setup but milder than many aggressive portfolios. Compared to a plain equity benchmark, return looks competitive given the added tilts to value, yield, and size. The flip side is that only 18 days made up 90% of returns, showing how missing a few big days can matter. Since past performance never guarantees future results, this history is best used as a rough guide, not a promise.

Projection Info

The Monte Carlo analysis, which simulates many possible futures by shuffling historical return patterns, shows a very wide outcome range. Monte Carlo is like running 1,000 alternate histories to see how often things work out. In these runs, 996 of 1,000 paths ended positive, with a median outcome around 7.7x the starting value and an aggressive average annualized return near 19.25%. The 5th percentile finishing just below break-even (around 96%) highlights that poor decades do happen. These projections are only as good as the past data and assumptions; they cannot foresee new regimes. Treat them as a rough risk/return map, not a forecast.

Asset classes Info

  • Stocks
    98%
  • Other
    2%
  • Cash
    1%

Asset allocation is heavily tilted to stocks, with only about 2% in “other” (gold, miners, silver) and 1% in cash. Versus a classic balanced benchmark that mixes in bonds, this is more growth-oriented and more sensitive to equity market swings. The tiny allocation to precious metals can help a bit during inflation shocks or equity stress, but its impact at 2% is modest. This setup suits someone okay with equity-like volatility. Anyone wanting smoother ride characteristics could consider adding more truly defensive assets over time, while someone comfortable with this risk level might just keep the current small alternatives sleeve as a minor diversifier.

Sectors Info

  • Financials
    19%
  • Industrials
    15%
  • Technology
    15%
  • Consumer Discretionary
    10%
  • Basic Materials
    8%
  • Energy
    8%
  • Health Care
    6%
  • Consumer Staples
    6%
  • Telecommunications
    5%
  • Utilities
    5%
  • Real Estate
    2%

Sector exposure is nicely spread: financials, industrials, and technology are the top three, each around the mid-teens, with consumer, materials, energy, healthcare, and utilities also well represented. This mix is more balanced than many portfolios that lean heavily on one dominant sector. Importantly, it avoids an extreme tech concentration, even though large tech names still show up via broad funds. Sector diversification matters because different parts of the economy lead or lag at different times. This allocation is well-balanced and aligns closely with global standards. If there is a preference for more defensive behavior, gently nudging weight toward defensive sectors via existing diversified funds could be enough instead of adding niche sector products.

Regions Info

  • North America
    60%
  • Europe Developed
    18%
  • Japan
    9%
  • Australasia
    3%
  • Asia Developed
    3%
  • Asia Emerging
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%

Geographically, about 60% sits in North America, with meaningful exposure to developed Europe (18%) and Japan (9%), plus smaller slices across Australasia, developed Asia, and emerging regions. Compared with a U.S.-only benchmark, this is clearly more global; compared with a fully global market-cap index, it’s still modestly U.S.-tilted, which has helped over the last decade. Global spread reduces the risk that any one country’s issues dominate outcomes. This allocation is well-balanced and aligns closely with global standards. If there’s a desire to lean more into faster-growing regions, a small tilt toward underrepresented areas could be added, but the current setup already delivers solid international diversification.

Market capitalization Info

  • Mid-cap
    26%
  • Large-cap
    25%
  • Mega-cap
    24%
  • Small-cap
    17%
  • Micro-cap
    6%

Market cap exposure is impressively even: roughly 24% mega, 25% big, 26% mid, 17% small, and 6% micro. That’s much more diversified across company sizes than a typical market-weighted benchmark, which is usually dominated by mega and large caps. Size diversification can give more exposure to smaller, potentially faster-growing companies, but it usually comes with bumpier performance and deeper drawdowns. This structure fits a long-term mindset where short-term noise is acceptable. If the swings from small and micro caps ever feel too intense, gently shifting part of the small-cap value or mid-cap momentum slice toward broad total-market or large-cap funds would dial back volatility without abandoning growth potential.

True holdings Info

  • NVIDIA Corporation
    1.99%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    1.22%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    1.07%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    1.03%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    0.86%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Lumentum Holdings Inc
    0.70%
    Part of fund(s):
    • Invesco S&P MidCap Momentum ETF
  • Amazon.com Inc
    0.62%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    0.53%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Roche Holding AG
    0.45%
    Part of fund(s):
    • Avantis International Large Cap
    • Vanguard International High Dividend Yield Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
  • JPMorgan Chase & Co
    0.45%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
  • Top 10 total 8.93%

Looking through the ETFs where data is available, the biggest underlying company exposures include NVIDIA, Broadcom, Meta, Apple, and Microsoft, each still under 2% of the total portfolio. Coverage is only about a quarter of total holdings, so true overlap is likely higher than reported. Even so, there’s no single mega-cap name dominating risk or returns, which helps avoid single-stock blowup risk. This “many small pieces” pattern is a classic feature of diversified ETF portfolios. If overlap across large tech and financial names feels higher than desired, one way to adjust is to rely more on the broad total-market funds and slightly dial back some of the more concentrated factor or regional satellites.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 47%
Size
Exposure to smaller companies
High
Data availability: 61%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 100%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
Very high
Data availability: 14%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 97%

Factor exposure is a big story here. Factor exposure means how much the portfolio leans into traits like value, size, or momentum that research links to returns. This portfolio shows strong tilts to value, yield, and smaller size, plus a notable momentum tilt, with moderate low-volatility exposure. That combination often shines when cheaper, dividend-paying, and smaller companies are in favor, but it can lag during “mega-cap growth” booms. Quality data is missing, so that angle is less clear. Overall, this is a deliberate factor-tilted approach rather than a pure market portfolio. Keeping this in mind can help set expectations: performance will sometimes differ sharply from mainstream indices, in both directions.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 18.00%
    18.6%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 10.00%
    12.5%
  • Invesco S&P MidCap Momentum ETF
    Weight: 10.10%
    11.9%
  • Avantis® International Small Cap Value ETF
    Weight: 11.80%
    11.6%
  • Avantis International Large Cap
    Weight: 11.00%
    10.6%
  • Top 5 risk contribution %

Risk contribution, which shows how much each holding drives overall ups and downs, is well spread but not perfectly even. The total-market ETF is 18% of assets and about 18.6% of risk, so it pulls its weight proportionally. The U.S. small-cap value and mid-cap momentum funds are only about 10% each in weight but contribute 12–13% of risk apiece, meaning they punch above their size. The top three positions add up to roughly 43% of total portfolio risk, still reasonable for a concentrated factor strategy. If that feels high, gently trimming those higher-risk contributors and reallocating toward broader, more stable funds could better align risk with desired comfort levels.

Redundant positions Info

  • Avantis® International Small Cap Value ETF
    Avantis International Large Cap
    Vanguard International High Dividend Yield Index Fund ETF Shares
    Vanguard Total International Stock Index Fund ETF Shares
    High correlation

Correlation measures how often assets move together; highly correlated assets tend to rise and fall in sync, reducing diversification benefits. Here, the international equity ETFs—covering small-cap value, large-cap, high dividend, and broad international stocks—are tightly correlated. That means they likely react similarly during global equity shocks, limiting their ability to offset each other. At the same time, the small metals and utilities pieces may zig a bit when stocks zag, though their small size caps the benefit. One way to tidy things up is to streamline overlapping international positions, keeping one or two that best match desired style tilts, and using freed-up space for either simplicity or truly distinct risk drivers.

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.

Risk versus return could likely be sharpened using an Efficient Frontier approach. The Efficient Frontier is a curve showing the best possible return for each risk level given available assets. Here, optimization would only shuffle weights among the current funds; it doesn’t add new ones. Since some holdings are highly correlated and others contribute more risk than their size suggests, small weight tweaks might achieve a similar return with slightly lower volatility, or higher expected return for the same risk. Efficiency here refers strictly to the risk–return tradeoff, not other goals like income or simplicity. Any changes should respect comfort with factor tilts, income needs, and long-term discipline.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.00%
  • Avantis International Large Cap 3.00%
  • Avantis® U.S. Small Cap Value ETF 1.80%
  • WisdomTree Efficient Gold Plus Gold Miners Strategy Fund 2.30%
  • Schwab U.S. Dividend Equity ETF 3.40%
  • Invesco S&P 500® Momentum ETF 0.80%
  • Reaves Utility IF 5.80%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 3.10%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 3.50%
  • Invesco S&P MidCap Momentum ETF 0.80%
  • Weighted yield (per year) 2.24%

The overall dividend yield is about 2.24%, boosted by several higher-yield funds and a utilities position. Dividend yield is the annual cash payout divided by price, like a “cash-back rate” on invested dollars. Some holdings sit around 3–3.5%, and the utilities fund is even higher, while momentum and growth-leaning pieces are lower. This mix makes sense for an investor wanting a blend of income and growth instead of pure yield chasing. Dividends can cushion returns during flat markets but are still not guaranteed. If regular cash flow is important, gradually increasing the share of higher-yield holdings could help; if growth is the main aim, the current yield level already looks like a healthy side benefit.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis International Large Cap 0.25%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • WisdomTree Efficient Gold Plus Gold Miners Strategy Fund 0.45%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • iShares Silver Trust 0.50%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Reaves Utility IF 2.23%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.26%

The average total expense ratio (TER) is about 0.26%, which is impressively low for a portfolio with this much factor and international exposure. TER is the annual fee charged by a fund, similar to a membership fee expressed as a percentage of assets. Many core holdings—especially the broad-market ETFs—are very cheap, offsetting a small number of pricier active or specialized funds. Over decades, keeping costs low can significantly boost net returns because less return is “leaking out” each year. The costs are impressively low, supporting better long-term performance. If you ever want to trim expenses further, the most obvious candidates are the few higher-fee funds where there’s a cheaper, broadly similar alternative.

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