Global stock portfolio with broad index core and focused tilts into small value and semiconductors
Report created on Jun 24, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 50.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 10.00%
This portfolio is a straightforward all‑equity mix with a strong index core and two focused “satellite” tilts. About half sits in a broad US total market fund, and roughly a third in a broad international stock fund, giving wide global coverage. The remaining fifth is split between a US small‑cap value ETF and a dedicated semiconductor ETF. This structure matters because a large diversified core tends to drive baseline behavior, while smaller satellites can meaningfully shape risk and return around the edges. Here, the satellites lean into smaller companies and a single high‑growth industry, adding punch and concentration. Overall, this is a growth‑oriented, stock‑only setup with most of its risk coming from the core plus a noticeable tilt toward semiconductors.
Growth
Historically, from late 2019 to mid‑2026, $1,000 in this mix grew to about $3,278, a compound annual growth rate (CAGR) of 19.33%. CAGR is like average driving speed over a long trip, smoothing all the ups and downs into one yearly number. That’s higher than both the US market proxy (16.21%) and the global market (14.03%), showing strong recent results. The worst drop, or max drawdown, was about ‑35.2% during early 2020, slightly deeper than the benchmarks’ declines. The portfolio recovered in roughly five months after the bottom, which is relatively quick. As usual, this outperformance is specific to this period; it doesn’t guarantee the same edge going forward, especially given the semiconductor tilt during a strong tech run.
Projection
The Monte Carlo projection looks at many possible futures by reshuffling past returns and volatility to make 1,000 simulated 15‑year paths. It’s like running the same “movie” with different random twists each time. In these simulations, $1,000 most often ends up around $2,893, with a middle “likely” range of roughly $1,847 to $4,372. There’s a wide possible spread, from about $1,042 at the low end (5th percentile) to $7,799 at the high end (95th percentile), reflecting equity‑level uncertainty. The average simulated annual return of 8.34% sits well above the assumed cash outcome. These numbers show how an all‑stock portfolio can have attractive long‑run potential but also a wide range of outcomes, not a guaranteed straight line.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds or cash‑like assets. That all‑equity stance is what gives it a growth‑oriented risk profile: stocks historically offer higher expected returns than bonds, but with larger and more frequent swings. Compared with many blended portfolios that mix in bonds, this structure leans more heavily into market ups and downs. The diversification here comes from holding thousands of different companies globally, rather than from mixing different asset classes. That means overall volatility will tend to track stock markets quite closely, without the usual cushioning that bonds can provide in some downturns. For someone seeking to understand behavior, this is essentially a pure global equity ride.
Sectors
- Technology 33%
- Financials 15%
- Industrials 11%
- Consumer Discretionary 9%
- Health Care 7%
- Telecommunications 7%
- Energy 5%
- Consumer Staples 4%
- Basic Materials 4%
- Utilities 2%
- Real Estate 2%
Sector‑wise, the portfolio is clearly tilted toward technology at about 33%, while other areas like financials, industrials, consumer stocks, and health care are each in the single‑digit to mid‑teens range. This tech emphasis is stronger than broad global benchmarks, mainly because of the dedicated semiconductor ETF plus tech exposure inside the core funds. Sector diversification is still present—no single non‑tech area dominates—but tech is the main driver. That matters because tech and semiconductors in particular can be very sensitive to interest rates, innovation cycles, and sentiment around growth. During periods when tech leads, this can help performance; in tech downturns, it can amplify drawdowns relative to more evenly balanced sector mixes.
Regions
- North America 71%
- Europe Developed 11%
- Asia Developed 6%
- Japan 5%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 71% of the portfolio is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and a modest slice in emerging markets. This overweight to North America, especially the US, is common in many global portfolios but still notable versus a more neutral global market, where the US share is lower. The upside is strong exposure to a deep, innovative market that has done very well over the last decade. The trade‑off is that a lot of economic and currency risk is tied to one region. While there is meaningful non‑US exposure, the portfolio’s behavior is likely to be heavily influenced by US market moves rather than by a more balanced global mix.
Market capitalization
- Mega-cap 39%
- Large-cap 28%
- Mid-cap 15%
- Small-cap 9%
- Micro-cap 6%
By company size, the portfolio has a broad spread: about 39% in mega‑caps, 28% in large‑caps, then meaningful exposure down the size spectrum into mid‑caps, small‑caps, and even micro‑caps. The total market funds naturally hold everything from giants to tiny firms, and the dedicated small‑cap value ETF boosts the smaller‑company exposure further. Market capitalization splits matter because large firms often move more with global headlines, while smaller firms can be more sensitive to local conditions and can be more volatile. This mix gives a fairly market‑like size profile overall, but with a slight extra kick in the smaller segments, which can increase both long‑run return potential and day‑to‑day noise.
True holdings
-
NV NVIDIA Corporation 4.80%
Part of fund(s):- VanEck Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 3.15%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.30%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.07%
Part of fund(s):- VanEck Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.80%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 1.53%
Part of fund(s):- VanEck Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.53%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.20%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.19%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.95%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 20.51%
Looking through the ETFs’ top holdings, a handful of big names show up with noticeable weights: NVIDIA at about 4.8%, Apple at 3.15%, Microsoft at 2.3%, and several other large tech and internet companies around the 1–2% mark. These positions appear through multiple funds rather than as direct single‑stock picks. Because only ETF top‑10 holdings are captured, actual overlap is likely somewhat higher than shown. Hidden concentration like this means that even though no single stock looks huge on paper, a few big technology names are important drivers of performance and risk. When these leaders do well, the overall portfolio benefits; when they struggle, their shared presence across funds can magnify their impact.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility all sits in the “neutral” band, hovering around 50%. Factors are like investing “ingredients” that explain why some stocks behave differently—things like being cheaper (value) or more stable (low volatility). A neutral reading means the portfolio, as a whole, behaves similarly to the broad market on these characteristics. That might be a bit surprising given the small‑cap value and semiconductor tilts, but those focused positions are blended into large, market‑like core funds. The result is no strong lean toward or away from any studied factor, which generally suggests behavior should be close to a broad global equity index rather than a specialized factor strategy.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 50.00% 48.1% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 25.2% -
VanEck Semiconductor ETF
Weight: 10.00% 15.1% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 11.5%
Risk contribution shows how much each holding adds to the portfolio’s overall ups and downs, which can differ from its weight. Here, the US total market fund is 50% of assets but contributes about 48% of risk, so it’s roughly proportionate. The international fund is 30% of assets yet only about 25% of risk, slightly dampening overall volatility. The semiconductor ETF is the standout: at just 10% weight, it contributes around 15% of risk, reflecting its higher volatility. The small‑cap value ETF also contributes a bit more risk than its size alone would suggest. Together, the top three holdings drive nearly 89% of total risk, showing that the core plus the semiconductor tilt dominate portfolio behavior.
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 risk‑return chart, the current portfolio sits on or very close to the efficient frontier drawn from its existing holdings. The efficient frontier is the curve showing the best expected return for each level of risk using only these funds with different weights. The current mix has a Sharpe ratio of 0.67, while the minimum‑risk mix is at 0.64 and the max‑Sharpe mix is higher but with much more volatility. The Sharpe ratio compares extra return over cash to volatility, so higher is better on a risk‑adjusted basis. Being on the frontier suggests that, for this set of ETFs and this general risk level, the allocation is already using them in a pretty efficient way.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.60%
- VanEck Semiconductor ETF 0.20%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.60%
- Weighted yield (per year) 1.46%
The portfolio’s total dividend yield is about 1.46%, coming from a mix of slightly higher‑yielding international stocks, modest income from the US core, and very low yield from the semiconductor ETF. Dividend yield is the annual cash payout as a percentage of the current investment value; it can provide a steady component of total return alongside price changes. For an equity‑heavy growth portfolio like this, dividends are a secondary driver—most of the action comes from capital gains rather than income. Still, having some yield, particularly from international holdings, can help smooth returns a little over time, even if it doesn’t dominate the overall performance picture.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- VanEck Semiconductor ETF 0.35%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.09%
Annual fund costs here are very low overall, with a blended total expense ratio (TER) of about 0.09%. TER is the yearly fee charged by each ETF as a percentage of the amount invested, taken inside the fund. The core index funds are extremely cheap at 0.03% and 0.05%, while the more specialized small‑cap value and semiconductor funds are costlier but still moderate. Low costs are important because they’re one of the few things investors can know in advance, and they subtract directly from returns every year. In this case, the cost profile is a real strength: it supports keeping more of whatever the underlying markets deliver over the long run.
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