Diversified global equity portfolio with a clear US tilt and a strong value tilt in smaller companies
Report created on May 6, 2026Risk profile
5/7
Diversification profile
3/5
Positions
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VO Vanguard S&P 500 ETF
VOO - US9229083632 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 20.00%
This portfolio is a simple three‑fund global equity mix: a US large‑cap core, a broad international stock fund, and a dedicated US small‑cap value sleeve. The weights lean heavily toward the US at 50%, with 30% in non‑US stocks and 20% in a more specialized small‑cap value strategy. Structurally, this creates a “core and satellite” setup: broad index funds at the core, with a more focused, factor‑tilted fund around the edges. That kind of structure is common among investors who want broad market exposure but also want to emphasize certain characteristics, like smaller and cheaper companies, within an otherwise straightforward equity portfolio.
Growth
From late 2019 to early 2026, $1,000 grew to about $2,440, which is a compound annual growth rate (CAGR) of 14.51%. CAGR is like your average speed on a road trip, smoothing out all the bumps along the way. Over this period, the portfolio slightly lagged the US market (16.03% CAGR) but outpaced the global market (13.53% CAGR). The max drawdown of -36.46% during early 2020 shows the kind of drop a 100% stock portfolio can experience. Recovery took about five months, illustrating that sharp downturns can also be followed by relatively quick rebounds, even if they feel very intense in the moment.
Projection
The Monte Carlo projection uses many randomized “what if” paths based on past behavior to estimate possible futures. It’s like running 1,000 parallel timelines where returns bounce around differently each time, then seeing the range of outcomes after 15 years. Here, the median path turns $1,000 into about $2,783, with most scenarios (the middle 50%) landing between roughly $1,826 and $4,202. There’s about a three‑in‑four chance of ending ahead of $1,000. These simulations are informative, but they still rely on history; real markets can surprise on both the upside and downside in ways no model fully captures.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% allocated to bonds or other asset classes. Equities are typically the main driver of long‑term growth, but they also bring larger swings in value, especially over shorter periods. Because there’s no built‑in stabilizer like bonds or cash, the portfolio’s ups and downs will closely follow global equity market sentiment. This all‑stock profile aligns with a growth‑oriented stance and explains the higher risk score of 5/7. In calm markets, that can feel straightforward; during big sell‑offs, it means the full impact of equity volatility shows up directly in the portfolio’s value.
Sectors
- Technology 23%
- Financials 18%
- Industrials 12%
- Consumer Discretionary 11%
- Health Care 8%
- Telecommunications 7%
- Energy 7%
- Consumer Staples 5%
- Basic Materials 4%
- Utilities 2%
- Real Estate 2%
Sector exposure is fairly broad, with technology the largest slice at 23% but not overwhelmingly dominant. Financials, industrials, and consumer sectors all carry meaningful weights, while smaller allocations appear in areas like utilities and real estate. This spread is similar to many broad global equity benchmarks, which is a good sign for diversification across different parts of the economy. A tech tilt can boost growth when innovation‑driven companies do well, but those same names can be more sensitive to interest rate changes and investor sentiment. Overall, the sector mix looks well‑balanced and aligns closely with global standards.
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, the portfolio is anchored in North America at 72%, with the rest spread across Europe, Japan, other developed Asia, and emerging markets. This is a noticeable US tilt compared with a pure global index, where the US portion would typically be lower but still dominant. The added exposure to Europe and Asia through the international fund helps capture growth and diversification from different economies and currencies. A US tilt has been rewarding in the recent decade, but it also ties a lot of outcomes to one economic system. The international slice ensures that major non‑US markets are still meaningfully represented.
Market capitalization
- Mega-cap 36%
- Large-cap 27%
- Mid-cap 15%
- Small-cap 12%
- Micro-cap 9%
By market size, the portfolio blends mega‑caps down through micro‑caps, with the largest chunk in mega and large companies but a substantial 21% combined in small and micro‑caps. Market capitalization (market cap) is basically company size measured by stock market value. Bigger firms often have more stable earnings and easier access to capital, while smaller firms can be more volatile but sometimes deliver stronger long‑term growth. The dedicated small‑cap value fund is the key driver of that smaller‑company exposure here. That mix can add diversification, because small and large companies don’t always move in lockstep across market cycles.
True holdings
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NV NVIDIA Corporation 3.79%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc 3.33%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 2.46%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 1.82%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.50%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.31%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.20%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.12%
Part of fund(s):- 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
-
TS Tesla Inc 0.94%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Top 10 total 18.50%
Looking through to the top holdings, several big names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Meta show up via the broad index funds. NVIDIA and Apple together already represent over 7% of the portfolio when aggregating their appearance across ETFs. This kind of overlap is normal in index‑heavy portfolios, since major indices are market‑cap‑weighted and naturally concentrate in the largest companies. It does mean that a handful of mega‑cap stocks have an outsized impact on overall returns. The actual overlap is likely a bit higher than shown, because only the top‑10 holdings of each ETF are captured in this look‑through.
Factors
Factor exposure shows a clear tilt toward value at 64%, while size, momentum, quality, yield, and low volatility all sit in a neutral, market‑like range. Factors are like underlying “personality traits” of stocks that research has linked to returns over time. A value tilt means more exposure to companies trading at lower prices relative to fundamentals such as earnings or book value. Historically, value stocks have had periods of both strong catch‑up rallies and long stretches of underperformance. Because other factors are close to neutral, the portfolio’s distinct character mainly comes from that value emphasis, especially through the small‑cap value sleeve.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 48.6% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 26.1% -
Avantis® U.S. Small Cap Value ETF
Weight: 20.00% 25.4%
Risk contribution looks at how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. Here, the S&P 500 ETF is half the portfolio and contributes a similar share of risk at 48.61%. The international fund is 30% of assets but slightly less of the risk at 26.05%. The standout is the small‑cap value ETF: it’s 20% of the weight but contributes about 25.35% of total risk, with a risk‑to‑weight ratio above 1. That signals higher volatility in that sleeve, which is common for smaller, cheaper stocks that can swing more sharply in both directions.
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 slightly below the efficient frontier, about 1.07 percentage points behind what could be achieved with different weights using the same three funds. The efficient frontier is the curve of best possible returns for each level of risk from these holdings; being below it means there are mathematically more efficient mixes. The current Sharpe ratio, a measure of return per unit of risk above the risk‑free rate, is 0.59, versus 0.79 for the optimized mix and 0.65 for the minimum‑risk version. That suggests the structure is broadly sensible, with room for modest improvement through reweighting only.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.62%
The overall dividend yield is about 1.62%, with the international fund contributing the highest yield and the small‑cap value fund modestly above the large US index. Dividend yield measures yearly cash payments as a percentage of current price. At this level, dividends are a secondary, not primary, driver of returns; most of the portfolio’s growth historically would have come from price changes rather than income. Still, dividends can provide a steady baseline of return and may help smooth results over time, especially when markets are flat. For a growth‑heavy equity portfolio, this yield is fairly typical and broadly in line with global norms.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.08%
The portfolio’s weighted total expense ratio (TER) is a low 0.08%, thanks to very inexpensive core index funds and a moderately priced small‑cap value ETF. TER is the annual fee charged by funds, taken directly out of returns, a bit like a small maintenance cost every year. Over long periods, even small fee differences can compound significantly, so starting from a low base is a meaningful advantage. Here, the costs are impressively low and support better long‑term performance relative to similar strategies with higher fees. That cost efficiency also gives more room for the factor‑tilted small‑cap sleeve to add value without being heavily burdened by expenses.
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