Growth focused global stock portfolio with low costs and balanced exposure across sizes and factors
Report created on Apr 29, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 40.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 15.00%
This portfolio is a simple four‑ETF mix that’s 100% in stocks, with no bonds or cash in the structure. Around two‑thirds of the allocation sits in broad large‑cap index funds, while the remaining third is split between small‑cap value and large‑cap growth strategies. That blend creates a core‑and‑satellite feel: broad market coverage at the center, with more targeted tilts on the edges. A fully stock-based mix like this tends to move closely with equity markets, both up and down. The structure is straightforward and transparent, which makes it easy to understand how each piece behaves and how changes in stock markets globally might show up in the overall portfolio.
Growth
From late 2019 to April 2026, a hypothetical $1,000 in this portfolio grew to about $2,502. That works out to a compound annual growth rate (CAGR) of 15.02%, meaning the value increased as if it grew roughly 15% per year on average. Over the same period, the US market did slightly better at 15.85%, while the global market returned 13.32%. So the portfolio lagged the US but beat the broader world index. The worst peak‑to‑trough drop was about -35% during early 2020, similar to major equity indices. This shows the portfolio has delivered strong stock‑like growth with stock‑like drawdowns, in line with its all‑equity setup.
Projection
The Monte Carlo simulation projects many possible 15‑year paths using historical return and volatility patterns as inputs. Think of it as rolling the dice 1,000 times on future markets based on past behavior, then seeing the spread of outcomes. The median result shows $1,000 growing to about $2,768, with a wide “middle band” from roughly $1,798 to $4,447. There are also more extreme but less likely paths, from about flat to very strong growth. The average annual return across simulations is 8.3%, well below the recent historical 15%, which is a more conservative assumption. These are statistical scenarios, not promises; real markets can be better or worse than any model.
Asset classes
- Stocks 100%
All of this portfolio sits in one asset class: equities. There is no allocation to bonds, cash, or alternative assets like real estate funds or commodities. Equities historically have offered higher long‑term growth potential but also larger short‑term swings, so an all‑stock mix typically feels more volatile than a blended stock‑bond portfolio. Compared with a more traditional balanced benchmark that might hold a significant bond slice, this setup leans clearly toward growth over stability. The absence of defensive assets means shocks in equity markets feed through directly to the portfolio, which can be attractive for long horizons but makes short‑term valuations more sensitive to market news and economic cycles.
Sectors
- Technology 26%
- Financials 17%
- Consumer Discretionary 11%
- Industrials 11%
- Telecommunications 8%
- Health Care 8%
- Energy 6%
- Consumer Staples 5%
- Basic Materials 4%
- Utilities 2%
- Real Estate 2%
Sector exposure is spread across the economy, with technology at about 26% and financials around 17% as the two largest slices. Consumer discretionary and industrials each sit near 11%, while areas like telecom, health care, energy, consumer staples, and materials fill out the rest in mid‑single digits. Utilities and real estate each sit at roughly 2%, giving only modest exposure to traditionally more defensive sectors. Compared with many global equity benchmarks, this mix is reasonably in line, with a meaningful but not extreme tech presence. A diversified sector layout like this helps avoid being overly tied to a single industry cycle, while still benefiting from trends in dominant sectors.
Regions
- North America 72%
- Europe Developed 11%
- Japan 5%
- Asia Developed 4%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 72% of the portfolio is in North America, with developed Europe at 11% and Japan at 5%. The rest is spread across developed Asia, emerging Asia, Australasia, Latin America, and Africa/Middle East in low single digits. This creates a clear home‑country and US tilt, which is common given the size and dominance of US markets within global indexes. Compared with a pure world index, the US share here is on the higher side, and non‑US regions are correspondingly smaller. This has helped over the past decade as US stocks outperformed, but it also means portfolio results are heavily linked to one major economy and currency.
Market capitalization
- Mega-cap 42%
- Large-cap 26%
- Mid-cap 14%
- Small-cap 10%
- Micro-cap 7%
By market capitalization, roughly 42% of the portfolio is in mega‑cap companies, with another 26% in large‑caps. Mid‑caps account for 14%, while small and micro‑caps together add up to about 17%. This is more tilted toward smaller companies than a typical broad market index, mainly due to the explicit small‑cap value position. Market cap matters because large companies often move more with headline indices, while smaller firms can be more volatile but sometimes more sensitive to local economic growth and specific business trends. The blend here creates a “barbell” effect: strong representation of the global giants plus a meaningful slice of more agile, smaller companies.
True holdings
-
NV NVIDIA Corporation 4.83%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 4.15%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.11%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.38%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.93%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.79%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.55%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.45%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.26%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.04%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 23.47%
Looking through the ETFs’ top holdings, a handful of mega‑cap names stand out. NVIDIA, Apple, Microsoft, Amazon, Alphabet (both share classes), Broadcom, Meta, Tesla, and Taiwan Semiconductor together make up around 23% of the portfolio, even though only top‑10 ETF exposures are captured. Several of these appear in multiple ETFs, which increases their combined footprint and creates some hidden concentration. Because only top‑10 holdings are used, this overlap is likely understated. This clustering in a small group of large global companies means their individual price moves can noticeably sway the portfolio, especially during periods when big tech and related stocks are leading or lagging the broader market.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility is broadly neutral, with all measures hovering close to 50%. Factor exposure describes how much the portfolio leans into traits like “cheap versus expensive” or “large versus small” that research links to long‑term returns. In this case, despite having both small‑cap value and large‑cap growth pieces, the combined effect is a well‑balanced factor profile similar to the broader market. A neutral factor mix means the portfolio is less reliant on any single style doing well, and should behave more like a diversified global equity basket rather than a pronounced value, growth, or defensive strategy.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 40.00% 39.2% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 25.9% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 18.2% -
Schwab U.S. Large-Cap Growth ETF
Weight: 15.00% 16.7%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the S&P 500 fund is 40% of assets and provides about 39% of total risk, roughly in line. The international fund is 30% of assets but only about 26% of risk, reflecting some diversification benefits. The small‑cap value ETF is 15% of the portfolio yet contributes over 18% of risk, while the large‑cap growth ETF also adds slightly more risk than its weight. Altogether, the top three holdings account for about 83% of total risk, signaling that most volatility stems from the big core positions rather than being evenly spread.
Redundant positions
-
High correlationVanguard S&P 500 ETFSchwab U.S. Large-Cap Growth ETF
Correlation measures how similarly assets move, on a scale from -1 (opposite) to 1 (almost identical). In this portfolio, the Schwab US Large‑Cap Growth ETF and the Vanguard S&P 500 ETF are flagged as highly correlated, meaning they tend to rise and fall together. This isn’t surprising because both focus on large US stocks, with overlapping company lists. High correlation limits diversification benefits: when one drops in a US‑driven sell‑off, the other is likely to be affected in a similar way. The international fund and small‑cap value slice likely add more diversification, though they still remain tied to global equity conditions overall.
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 risk‑return chart shows the current portfolio sits on or very near the efficient frontier. The efficient frontier represents the best possible return for each level of risk using just these four holdings in different mixes. The current Sharpe ratio, a measure of risk‑adjusted return, is 0.6, compared with 0.81 for the maximum‑Sharpe mix and 0.64 for the minimum‑variance mix. This means the allocation is already using these ingredients in a broadly efficient way, especially considering practical constraints. While other weightings could slightly change the balance, the portfolio is not far from the set of “best trade‑off” combinations available with its existing building blocks.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.54%
The portfolio’s overall dividend yield is about 1.54%, combining lower yields from the US growth and S&P 500 ETFs with higher payouts from the international and small‑cap value funds. Dividend yield is the annual cash distribution as a percentage of the current price, and can be an important part of long‑term total return, especially when reinvested. Here, the yield is modest, which is common for growth‑oriented equity portfolios where more of the return is expected to come from price appreciation. The higher yield from international stocks slightly boosts the income profile, but the overall character stays firmly on the lower‑income, higher‑growth side of the spectrum.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.07%
Total ongoing fund costs are low, with a blended total expense ratio (TER) of about 0.07% per year. TER is the annual fee charged by funds, expressed as a percentage of invested assets, and it quietly reduces returns over time. This portfolio combines ultra‑low‑cost broad index ETFs with a moderately priced small‑cap value strategy, keeping the overall cost footprint very lean. Compared with many actively managed equity portfolios that might charge several times more, this fee level is impressively low. Keeping costs down leaves more of any future returns in the portfolio, and that effect compounds meaningfully over long investment horizons.
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