Diversified global equity portfolio combining broad market exposure with a focused small cap value tilt
Report created on Apr 15, 2026Risk profile
- Secure Speculative
The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.
Diversification profile
- Focused Diversified
The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.
Positions
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VO Vanguard S&P 500 ETF
VOO - US9229083632 55.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 35.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00%
The portfolio is a simple three-fund mix holding only stock ETFs. Around a little over half is in a broad US large-cap index, a bit over a third in international stocks, and a smaller slice in a US small-cap value fund. This structure leans clearly toward growth, with no bonds or cash buffers. That’s important because an all-stock mix can swing more in the short term but historically has offered higher long‑term return potential. The clear takeaway is that this setup fits someone who prioritizes long‑run growth and accepts bumps along the way, rather than someone seeking smoother returns or near‑term spending needs.
Growth
From late 2019 to early 2026, $1,000 grew to about $2,314, a compound annual growth rate (CAGR) of 13.74%. CAGR is like your average yearly “speed” over the whole ride, smoothing out the ups and downs. You slightly lagged the US market but beat the global market, which is a solid outcome given the added diversification. The worst drop was roughly -35% during early 2020, taking about five months to recover. That level of drawdown is normal for an all‑equity growth portfolio. It shows that staying invested through sharp but short-lived crashes has historically been rewarded, though there’s never a guarantee.
Projection
The Monte Carlo simulation projects many possible 15‑year paths based on how similar mixes behaved in the past, then randomizes the sequence of returns. It’s like running 1,000 alternate futures to see a range of outcomes rather than just one line. The median outcome roughly doubles to triples $1,000, but the spread is wide: some paths barely break even, others multiply several times. This highlights that even with a strong growth tilt, results can vary a lot depending on when good and bad years arrive. The key takeaway is to see these numbers as a probability range, not a promise; markets don’t follow scripts.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with no bonds, cash, or alternative assets. That pure‑equity mix is exactly what drives the “growth investor” risk classification and the relatively high risk score. Stocks are ownership in companies and historically have offered higher returns than bonds, but with sharper swings, especially during recessions or market panics. Having 100% in stocks is usually best suited to long time horizons and investors who can emotionally handle temporary large drawdowns. The upside of this choice is simplicity and growth focus; the trade-off is accepting that there’s no built‑in cushion from safer assets during rough markets.
Sectors
- Technology 25%
- Financials 17%
- Industrials 12%
- Consumer Discretionary 11%
- Health Care 8%
- Telecommunications 8%
- Consumer Staples 5%
- Energy 5%
- Basic Materials 4%
- Utilities 2%
- Real Estate 2%
Sector exposure is quite well balanced, with technology the largest slice at about a quarter, followed by healthy weights in financials and industrials. No single area dominates in an extreme way, which is reassuring. A sizable tech allocation can boost returns in innovation‑driven markets, but it can also be more sensitive when interest rates rise or when growth stocks fall out of favor. The presence of meaningful allocations to areas like financials, industrials, and consumer-related sectors helps smooth the ride a bit. Overall, this sector mix looks close to broad global benchmarks, which is a strong sign that diversification across industries is doing its job.
Regions
- North America 67%
- Europe Developed 13%
- Japan 5%
- Asia Developed 5%
- Asia Emerging 5%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, roughly two‑thirds is in North America, with the rest spread across Europe, Japan, developed Asia, and emerging regions. That North America tilt is normal because the US is the largest slice of the global stock market, and this allocation is broadly in line with common global benchmarks. The positive here is that you’re not heavily overconcentrated in one smaller region, yet you still get good exposure to international growth and different economic cycles. The trade-off is that returns will still be strongly influenced by US market fortunes and the US dollar. For many long‑term investors, this blend is a sensible global baseline.
Market capitalization
- Mega-cap 42%
- Large-cap 30%
- Mid-cap 16%
- Small-cap 7%
- Micro-cap 5%
The mix across company sizes is anchored in mega‑ and large‑caps, which together make up about 70%+. That gives a core of stable, established businesses that tend to be more liquid and somewhat less volatile than smaller names. You also have meaningful mid‑cap and smaller exposures, including micro‑caps, thanks to the small cap value ETF. These smaller companies can add return potential and diversification, since they don’t always move in lockstep with giants, but they can be bumpier. Overall, this size spread is quite healthy: a blue‑chip heavy core with a deliberate, but not overwhelming, tilt toward smaller companies for extra growth and factor exposure.
True holdings
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NV NVIDIA Corporation 4.03%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc 3.65%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 2.73%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 1.91%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.69%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.41%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.35%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.32%
Part of fund(s):- Vanguard S&P 500 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.20%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
TS Tesla Inc 1.06%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Top 10 total 20.35%
Looking through the ETFs, a lot of the visible exposure in the top layer clusters in a handful of big global names like NVIDIA, Apple, Microsoft, Amazon, and Alphabet. These appear through multiple funds, creating some hidden concentration even though you only own three ETFs. Because the data only covers ETF top-10 holdings, the actual overlap is probably higher further down the list. This matters because if a few mega‑cap growth stocks stumble together, they can weigh on the total portfolio more than the fund count suggests. The upside is that this mirrors the real global equity market structure, where those giants are also dominant.
Factors
Factor exposure here is very balanced across value, size, momentum, quality, yield, and low volatility, all sitting in a neutral, market‑like band. Factors are just characteristics, like “cheap vs. expensive” (value) or “big vs. small” (size), that research suggests help explain return patterns. A neutral exposure means you’re basically getting the market’s natural mix of these traits rather than making a big bet on any one style. The benefit is that you’re less likely to be whipsawed when a single factor goes in or out of favor. This well‑balanced factor profile supports smoother behavior across different market regimes, which is a real positive.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 55.00% 55.8% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 35.00% 31.7% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 12.6%
Risk contribution shows how much each ETF actually drives portfolio ups and downs, which can differ from simple weight. Here, the US large‑cap fund contributes about 56% of risk on a 55% weight, the international fund slightly under‑contributes risk, and the small cap value ETF adds roughly 13% of risk on a 10% weight. That last one tells you the small‑cap piece is a little punchier than its size would suggest, which is normal for smaller, more volatile stocks. The overall pattern is pretty proportional, meaning no single fund is secretly dominating the risk profile, which is exactly what you’d hope to see in a three‑fund setup.
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, your current mix sits right on or very close to the efficient frontier. The efficient frontier is the curve showing the best expected return possible for each level of risk, using only your existing holdings in different weights. The Sharpe ratio, which measures return earned per unit of risk, is respectable and not far below the “optimal” mix found by the model. That means the current allocation is already using these three funds in a very efficient way. Any improvement from reweighting alone would likely be modest, so the structure looks well aligned with modern portfolio theory for this risk level.
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 2.80%
- Weighted yield (per year) 1.72%
The overall dividend yield is around 1.72%, coming from modest payouts in the US fund and small caps, and a somewhat higher yield in the international fund. Dividend yield is the cash income you get each year as a percentage of what you’ve invested. At this level, the portfolio is clearly growth‑oriented: most of the expected return is from price appreciation, not income. That fits well with long‑term compounding if you’re reinvesting dividends. For someone seeking current cash flow, this yield alone would likely feel on the light side, but for growth‑minded investors, it’s a nice bonus on top of capital gains.
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) 0.06%
The blended total expense ratio (TER) of about 0.06% is impressively low. TER is the annual fee charged by the funds, and while tiny percentages might seem trivial, they compound over time just like returns do. Here, you’re getting broad global exposure and some factor tilting at a cost that’s well below average. That’s a real structural advantage: more of the market’s return stays in your pocket each year. This cost efficiency, combined with simple, diversified holdings, is one of the portfolio’s standout strengths and gives it a strong base for long‑run performance compared with higher‑fee setups.
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