Growth focused global equity portfolio with strong value tilt and broad small cap diversification

Report created on Mar 18, 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 a pure equity vehicle, with roughly 99% in stocks and just 1% in cash. The core is split between a large US index fund and a broad international index fund, with meaningful satellite positions in small cap value and a dedicated growth-tilted large cap index. This structure mixes a broad market “core” with more focused “tilts” toward smaller and cheaper companies. That combo usually targets higher long-term growth at the cost of larger swings along the way. The main takeaway is that this setup is built for capital appreciation rather than capital preservation, and is best matched with a long time horizon and comfort with volatility.

Growth Info

Historically, the portfolio has delivered a compound annual growth rate (CAGR) of 11.88%, which means the value grew about that much per year on average over the measured period. A max drawdown of -25.54% shows the worst observed peak‑to‑trough decline, which is quite reasonable for an all‑equity mix and broadly in line with large equity benchmarks during typical corrections. The fact that just 15 days make up 90% of total returns highlights how a handful of strong days drive long‑term outcomes, reinforcing the value of staying invested. While past performance never guarantees future results, these numbers indicate a historically strong risk‑return profile for a growth‑oriented equity allocation.

Projection Info

The Monte Carlo analysis ran 1,000 simulations using historical return and volatility patterns to project potential future paths. Monte Carlo is basically a “what if machine” that shakes the portfolio through many random market scenarios based on past behavior, then summarizes the range of outcomes. Here, the median simulation ends around 353.7% of the starting value, with a pessimistic 5th percentile outcome still at 45.1% and more optimistic paths well above that. An average simulated annual return of 13.05% is encouraging but should be viewed as illustrative, not a promise. These projections help frame expectations: wide ranges, mostly positive outcomes, and the need to mentally prepare for bumpy rides even when long‑term odds look favorable.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Asset‑class allocation is extremely straightforward: about 99% stocks, 1% cash, and effectively nothing in bonds or alternatives. That’s a clear growth stance and fits well with a “balanced but equity‑heavy” risk score of 4 out of 7. Compared with many blended portfolios that mix stocks and bonds, this one intentionally sacrifices downside cushioning for higher expected returns. The broad diversification across global equities helps soften single‑market shocks, but there is no classic bond buffer for deep bear markets. This setup is generally aligned with investors who have stable income elsewhere, a long time horizon, and can ride out sizable drawdowns without needing to sell at bad moments.

Sectors Info

  • Technology
    24%
  • Financials
    17%
  • Industrials
    12%
  • Consumer Discretionary
    12%
  • Telecommunications
    8%
  • Health Care
    7%
  • Basic Materials
    6%
  • Energy
    6%
  • Consumer Staples
    5%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is well spread, with technology the largest at 24%, followed by financial services, industrials, and consumer cyclicals. Communication services, healthcare, basic materials, energy, consumer defensive, utilities, and real estate all have visible slices, and no single sector dominates excessively. This looks reasonably close to broad global benchmarks, which is a strong indicator of healthy diversification. The noticeable tech and communication exposure, amplified by mega‑cap growth names, can make returns more sensitive to interest rate changes and innovation cycles. However, the value‑tilted and small‑cap components add balance by emphasizing more traditional and economically sensitive industries, which can hold up differently across market environments.

Regions Info

  • North America
    58%
  • Europe Developed
    15%
  • Japan
    8%
  • Asia Emerging
    7%
  • Asia Developed
    6%
  • Australasia
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%

Geographically, the portfolio is anchored in North America at 58%, with the rest spread across developed Europe, Japan, developed Asia, emerging Asia, Australasia, Africa/Middle East, and a smaller slice of Latin America. This pattern is broadly in line with global stock market weights, which are US‑heavy but still globally diversified. The presence of emerging markets, while modest, introduces growth potential and different economic drivers than developed markets alone. This allocation is well‑balanced and aligns closely with global standards, reducing the risk of being overly tied to any single region’s political or economic cycle while still capturing the strength of major developed markets.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    27%
  • Mid-cap
    19%
  • Small-cap
    11%
  • Micro-cap
    5%

Market cap exposure leans toward larger companies, with 37% in mega caps and 27% in big caps, but it also has a healthy allocation to mid caps (19%), small caps (11%), and even micro caps (5%). This mix is more diversified across company sizes than a typical large‑cap index alone. Larger firms usually bring more stability and liquidity, while smaller firms historically offer higher growth potential but larger price swings. The deliberate small‑cap value allocations help push the portfolio toward the size spectrum’s riskier, higher‑return side. Overall, this size profile supports both resilience through blue‑chip holdings and additional upside potential from smaller, less‑followed companies.

True holdings Info

  • NVIDIA Corporation
    3.43%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Apple Inc
    3.06%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Microsoft Corporation
    2.32%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Amazon.com Inc
    1.66%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Alphabet Inc Class A
    1.43%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Broadcom Inc
    1.20%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Meta Platforms Inc.
    1.20%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Alphabet Inc Class C
    1.19%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Tesla Inc
    1.06%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.03%
    Part of fund(s):
    • Vanguard International Equity Index Funds - Vanguard FTSE Emerging Markets ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • iShares Asia 50 ETF
  • Top 10 total 17.58%

Looking through the ETFs, the largest underlying positions are familiar mega‑cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and TSMC. These show up across multiple funds, especially the broad US index and the NASDAQ‑focused ETF, creating hidden concentration even though each fund looks diversified on its own. For example, NVIDIA at 3.43% and Apple at 3.06% are meaningful portfolio‑level exposures driven entirely by ETF overlap. Overlap is probably understated, since only top‑10 holdings are counted. The upside is strong exposure to highly profitable market leaders, but the tradeoff is extra sensitivity to large US tech‑adjacent stocks when they move sharply.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 35%
Size
Exposure to smaller companies
Very high
Data availability: 20%
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
No data
Data availability: 0%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 100%

Factor exposure shows strong tilts toward size, value, and low volatility, with momentum also meaningfully positive. Factors are like underlying “personality traits” of stocks—such as being cheap (value), smaller (size), or steadier (low volatility)—that research has linked to long‑run returns. A size exposure of 85% and value exposure of 67.9% suggest a clear preference for smaller and cheaper companies. Low‑volatility at 64% may help dampen some swings, even within an all‑equity setup. Momentum above 60% indicates a bias toward stocks that have been trending well recently. This combination often behaves differently from standard market‑cap benchmarks, potentially outperforming over full cycles but lagging in periods when expensive, mega‑cap growth dominates.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 35.00%
    35.2%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 30.00%
    27.2%
  • Invesco NASDAQ 100 ETF
    Weight: 10.00%
    12.6%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 10.00%
    11.8%
  • Avantis® International Small Cap Value ETF
    Weight: 10.00%
    9.3%
  • Top 5 risk contribution %

Risk contribution measures how much each position adds to the portfolio’s total ups and downs, which can differ from simple weight. Here, the Vanguard S&P 500 ETF at 35% weight contributes about 35.16% of risk—right in line—while the NASDAQ 100 ETF at 10% weight contributes 12.58% of risk, showing it’s a bit more volatile. The US small cap value ETF also contributes slightly more risk than its weight, which makes sense given smaller, cheaper stocks tend to be choppier. The top three holdings together drive nearly 75% of portfolio risk, which is normal for a core‑satellite structure. Rebalancing occasionally can keep these risk shares aligned with your intended overall tilt.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Invesco NASDAQ 100 ETF
    High correlation

Correlation describes how investments move together. Highly correlated assets tend to rise and fall at the same time, which can limit diversification benefits when markets get rough. In this portfolio, the S&P 500 ETF and the NASDAQ 100 ETF are strongly correlated, which isn’t surprising since they both hold many of the same large US growth names. That overlap means the NASDAQ piece doesn’t add much diversification; instead, it amplifies exposure to US mega‑cap growth and tech‑heavy stocks. On the other hand, the international and small cap value funds are likely to behave more differently from the US large‑cap core, contributing real diversification across regions, styles, and company sizes.

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 would likely sit near but not exactly on the efficient frontier, given the noted overlap between the S&P 500 and NASDAQ 100 funds. The efficient frontier represents the best possible expected return for each risk level using only the existing holdings in different weights. Because the NASDAQ 100 is highly correlated with the S&P 500, slightly adjusting their relative sizes could move the portfolio closer to the “optimal” point with a higher Sharpe ratio—meaning better return per unit of risk—without adding new products. The key message is that reweighting among the existing ETFs might improve the balance between growth potential and volatility while preserving the same overall strategy.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.00%
  • Avantis® Emerging Markets Value ETF 3.10%
  • Avantis® U.S. Small Cap Value ETF 1.80%
  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 3.10%
  • Weighted yield (per year) 2.00%

The overall dividend yield of about 2.0% reflects a blend of higher‑yielding international and value stocks with lower‑yielding US growth names. Several funds, especially the international value and emerging markets value ETFs, offer yields above 3%, while the NASDAQ 100 exposure is very low yielding at around 0.5%. Dividends can provide a modest income stream and help smooth returns over time, even when prices move sideways. For a growth‑oriented equity portfolio, a 2% yield is quite reasonable and suggests the focus is still on total return—price appreciation plus dividends—rather than pure income. Reinvesting dividends can significantly boost long‑term compounding.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® Emerging Markets Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.12%

The total expense ratio (TER) across all holdings is a very competitive 0.12%, thanks to ultra‑low‑cost core Vanguard funds complemented by moderately priced Avantis factor ETFs. Costs matter because every 0.1% saved in fees compounds over decades, leaving more of the gross return in your pocket. Here, the fees are impressively low, supporting better long‑term performance and aligning well with best practices in index and factor investing. The slightly higher fees on the specialized value and emerging markets funds pay for more targeted strategies, while the broad market building blocks remain extremely cheap. Overall, the cost structure is a real strength of this portfolio.

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