Quietly efficient but oddly lopsided value nerd portfolio hiding in a sensible balanced costume
Report created on Apr 4, 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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AV American Century ETF Trust
AVGV - US0250722164 33.00% -
DC Dimensional ETF Trust
DCOR - US25434V6258 30.00% -
DF Dimensional World ex U.S. Core Equity 2 ETF
DFAX - US25434V8809 30.00% -
AV American Century ETF Trust
AVNV - US0250721661 7.00%
The overall structure looks like someone discovered three decent core ETFs and then panic-added a 7% sidekick for no clear reason. You’ve basically got a tripod pretending to be a chair with four legs, but the fourth leg is decorative. For a “balanced” label, this is 100% stocks, no ballast, no cash buffer, just vibes and equities. The upside is it’s simple and easy to maintain. The downside is drawdowns will feel very real when markets wobble. General takeaway: if everything you own moves like stocks, don’t be surprised when the portfolio behaves like… only stocks.
Growth
Performance-wise, this thing has been on a heater. A CAGR of 19.34% versus ~17.9% for both US and global markets is you quietly flexing on the benchmarks. Max drawdown at -15.4% is actually *shallower* than the US market’s -18.8%, which is impressive for a 100% equity portfolio. But remember: this is a short window in a mostly generous market environment. CAGR (compound annual growth rate) is like average trip speed on a mostly downhill drive. Great to see, but gravity can flip. Takeaway: you’ve been rewarded so far, just don’t assume this is your permanent skill level.
Projection
The Monte Carlo simulation basically throws the portfolio into a financial washing machine 1,000 times and sees what comes out. Median outcome turning $1,000 into about $2,845 over 15 years with an 8.3% annualized return is solid, but the range is wild: from “barely above water” to “wow that worked out.” It’s a reminder that future returns are not obligated to follow the backtest. Past data is like yesterday’s weather: useful, but not prophetic. Takeaway: the odds look in your favor, but the ride will not be linear, and “most likely” does not mean “guaranteed.”
Asset classes
- Stocks 100%
Asset allocation: 100% stocks, 0% everything else. For a “balanced” risk score, this is basically a one-food-group diet. Great when markets cooperate, but there’s nothing here to soften a big equity hit. No bonds for stability, no real diversifiers, just full trust in global businesses to power through every storm. It’s minimalist, sure, but minimalist in the “forgot to buy furniture” way, not the “carefully curated” way. Takeaway: if the goal is smoother long-term compounding, mixing in other asset types usually helps the emotional and financial rollercoaster. This setup chooses more thrills over comfort.
Sectors
- Financials 19%
- Technology 16%
- Industrials 15%
- Consumer Discretionary 12%
- Energy 10%
- Basic Materials 8%
- Health Care 7%
- Telecommunications 6%
- Consumer Staples 5%
- Utilities 2%
- Real Estate 1%
Sector spread is actually pretty reasonable, but with some quiet tilts. Financials at 19% and industrials at 15% scream “I like boring profits,” while tech at 16% is modest compared to typical broad indexes where tech often dominates. You’re not doing the usual “all in on shiny gadgets” thing; this is more “banks, factories, and then some silicon.” That can be good when value-y and cyclical names have their moment, but it can lag when high-growth darlings lead. Takeaway: sector balance is decent, but don’t expect this to behave like the tech-obsessed mainstream market during big tech rallies.
Regions
- North America 54%
- Europe Developed 18%
- Japan 8%
- Asia Developed 7%
- Asia Emerging 7%
- Australasia 2%
- Africa/Middle East 2%
- Latin America 1%
Geographically, this is surprisingly grown-up. About 54% in North America with the rest spread across developed and emerging regions is closer to “global citizen” than “USA forever.” That said, you still have a home bias, just not the usual “90% domestic and a passport in a drawer” level. This mix means you’re signing up for everything: good, bad, and weird from all over the world. That reduces any one country blowing up your plan, but it also means you’ll always be unhappy with some region. Takeaway: decent global reach with just enough home comfort to feel safe.
Market capitalization
- Mid-cap 29%
- Large-cap 27%
- Mega-cap 25%
- Small-cap 13%
- Micro-cap 5%
Market cap mix is where things get interesting. Mega and large caps together are big, but mids and smalls add up to a chunky slice, plus even 5% micro-cap exposure. That’s like mixing blue chips with a side of chaos. You’re not all-in on the mega brands; you’ve quietly invited a bunch of smaller, more volatile names to the party. When smaller companies are in favor, that can juice returns. When they aren’t, the portfolio will feel twitchier than a pure large-cap setup. Takeaway: don’t be shocked if this moves more than the headline indexes on both good and bad days.
True holdings
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AA Apple Inc 1.93%
Part of fund(s):- American Century ETF Trust
- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Dimensional ETF Trust
-
NV NVIDIA Corporation 1.63%
Part of fund(s):- Dimensional ETF Trust
-
AM Amazon.com Inc 1.09%
Part of fund(s):- American Century ETF Trust
- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Dimensional ETF Trust
-
MS Microsoft Corporation 1.06%
Part of fund(s):- Dimensional ETF Trust
-
XO Exxon Mobil Corp 0.85%
Part of fund(s):- American Century ETF Trust
- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Dimensional ETF Trust
-
ME Meta Platforms Inc. 0.79%
Part of fund(s):- American Century ETF Trust
- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Dimensional ETF Trust
-
JP JPMorgan Chase & Co 0.64%
Part of fund(s):- American Century ETF Trust
- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Dimensional ETF Trust
-
GO Alphabet Inc Class A 0.58%
Part of fund(s):- Dimensional ETF Trust
-
GO Alphabet Inc Class C 0.46%
Part of fund(s):- Dimensional ETF Trust
-
AV Broadcom Inc 0.45%
Part of fund(s):- Dimensional ETF Trust
- Top 10 total 9.50%
The look-through shows the usual suspects: Apple, NVIDIA, Amazon, Microsoft, Alphabet lurking inside your funds like the Marvel crossover nobody asked for but everyone owns anyway. No single stock is outrageously large, but together the big tech names quietly hog a noticeable slice of the action. Overlap is definitely understated, since we only see ETF top-10s, so the “hidden concentration” is probably chunkier than it looks. This isn’t a disaster, but it’s not as diversified as the fund names suggest. Lesson: multiple “diversified” funds often end up being the same handful of giants in different packaging.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
The factor profile is screaming “nerdy discipline.” High value, high size, and high low-volatility tilts say: “I want cheaper, smaller, but not totally unhinged stocks.” Factor exposure is basically the ingredient list behind performance, and you’ve picked the “smarter but occasionally boring” factors instead of pure hype. Neutral quality and momentum means you’re not chasing shiny trend-chasing or ultra-polished balance sheets. Leaning hard into value and low vol is like driving the speed limit in the right lane: less fun in boom times, but you often avoid the worst pileups. Takeaway: this is a quietly smart factor setup, whether by design or accident.
Risk contribution
-
American Century ETF Trust
Weight: 33.00% 34.7% -
Dimensional ETF Trust
Weight: 30.00% 30.2% -
Dimensional World ex U.S. Core Equity 2 ETF
Weight: 30.00% 28.4% -
American Century ETF Trust
Weight: 7.00% 6.7%
Risk contribution is where the illusion of choice gets exposed. Top three positions: 93% of total risk. That’s not diversification, that’s three bosses and one intern. Even though weights are somewhat balanced, these big funds are basically the entire show. Risk contribution measures who’s actually shaking the portfolio, and those three are doing almost all the drama. The 7% slice is mostly there for moral support. Takeaway: trimming or tilting among those top three would meaningfully change risk; tinkering with the small piece does almost nothing except make you feel busy.
Redundant positions
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High correlationDimensional World ex U.S. Core Equity 2 ETFAmerican Century ETF Trust
You’ve got a pair of funds that move almost identically, like two people wearing different outfits but walking in perfect sync. The American Century ETF and the Dimensional World ex U.S. Core Equity 2 ETF are highly correlated, meaning when one jumps or falls, the other usually tags along. Correlation is just “how much do these things dance together,” and in a crash, high correlation means they’ll likely all step on your toes at once. Takeaway: holding multiple highly correlated funds can make you *feel* diversified while your risk is still concentrated in one unified mood swing.
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 efficient frontier is basically the “how smart is this mix?” chart, and your portfolio is a little below it. Current Sharpe ratio of 1.04 versus 1.38 for the optimal mix, with the same ingredients, means you’re leaving return on the table for the risk you’re taking. You’re 1.84 percentage points below the frontier at your risk level — that’s like running with ankle weights for no training benefit. The minimum variance and max Sharpe portfolios both look cleaner. Takeaway: just reweighting what you already hold could give better risk-adjusted returns. The pieces are fine; the proportions are meh.
Dividends
- American Century ETF Trust 3.10%
- Dimensional ETF Trust 1.00%
- Dimensional World ex U.S. Core Equity 2 ETF 2.40%
- Weighted yield (per year) 1.93%
Yield at 1.93% is “respectable but not a paycheck.” One fund throws off 3.1%, another barely 1%. So this isn’t a true income portfolio; it’s more “growth with a side of pocket change.” Dividends can help smooth returns a bit, but at this level they’re more like snacks than a meal. Expect most of your results to come from price movement, not steady cash flow. Takeaway: if the goal is living off income, this setup is more about watching charts than watching deposits. For long-term compounding, though, reinvested dividends quietly still do good work.
Ongoing product costs
- American Century ETF Trust 0.34%
- Dimensional ETF Trust 0.14%
- Dimensional World ex U.S. Core Equity 2 ETF 0.28%
- Weighted costs total (per year) 0.24%
Total TER at 0.24% is… actually decent. Not rock-bottom, but definitely not highway robbery. You’re paying slightly above ultra-cheap index levels, probably for the factor tilts and active-ish magic behind the scenes. Think “economy plus” instead of first class or budget airline. Fees are like a slow leak in a tire: small, but painful over decades. Here, the leak is controlled and not embarrassing. Takeaway: cost isn’t your problem. Just don’t layer on extra, redundant funds in the future and accidentally build a fee lasagna for no extra benefit.
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