Globally diversified factor tilted portfolio balancing cautious risk profile with strong long term growth focus

Report created on Apr 9, 2026

Risk 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

The portfolio is built around broadly diversified stock funds with a clear tilt toward value and smaller companies, supported by bonds and a slice of real estate. Roughly three quarters sits in equities, one fifth in bonds, and the rest in listed property, using only low-cost funds. This mix pairs growth-oriented stock exposure with stabilizing fixed income and inflation-aware holdings. Structurally, it looks like an evidence-based, rules-driven setup rather than a collection of random ideas. For someone seeking simplicity, this type of structure is helpful: it’s easy to maintain, transparent in purpose, and avoids big single-stock bets, letting long-term asset allocation do most of the heavy lifting.

Growth Info

Over the recent period, $1,000 grew to about $1,445, which translates to a 14.64% compound annual growth rate (CAGR). CAGR is like average speed on a road trip: it smooths out the bumps to show typical yearly progress. This trailed both the US and global markets by a bit, but did so with noticeably smaller maximum drawdowns than either benchmark. The worst drop was around -12%, versus deeper falls for the references, and it recovered in just a few months. That profile suggests a “slightly gentler ride” in rough patches, which lines up well with a cautious risk score while still delivering very strong absolute returns.

Projection Info

The Monte Carlo projection simulates thousands of possible 15‑year paths by reshuffling historical returns to create many “what if” futures. It shows a median outcome of around $2,467 from $1,000, with most scenarios landing between roughly $1,800 and $3,500. That’s an annualized return of about 7.1% across all simulations, with about a 73% chance of ending positive. This doesn’t predict any single path; it simply maps a range of plausible outcomes given past behavior. The big takeaway is that long-term growth looks favorable but not guaranteed, and results could reasonably vary a lot around the midpoint, especially in very strong or very weak markets.

Asset classes Info

  • Stocks
    72%
  • Bonds
    20%
  • Real Estate
    8%

With 72% in stocks, 20% in bonds, and 8% in real estate, the asset mix leans growthy but not aggressive. Compared with typical cautious allocations that often hold much more in bonds, this one accepts moderate equity risk to pursue higher long-run returns, while still using Treasuries and short-term bond funds as stabilizers. Real estate adds an extra return stream tied to property markets and rents, which can behave differently from regular stocks at times. Overall, this allocation is well-balanced and aligns closely with global standards for a “conservative growth” profile rather than a pure capital-preservation stance.

Sectors Info

  • Financials
    15%
  • Industrials
    11%
  • Consumer Discretionary
    9%
  • Real Estate
    9%
  • Technology
    9%
  • Energy
    8%
  • Basic Materials
    7%
  • Health Care
    4%
  • Consumer Staples
    4%
  • Telecommunications
    3%
  • Utilities
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is impressively even, with no single area dominating. Financials, industrials, consumer discretionary, real estate, technology, and energy all sit in a similar ballpark, and more defensive segments like staples, health care, and utilities are present but not overwhelming. This broad spread helps avoid betting the farm on one economic story, such as high growth tech or resource booms. It also means different sectors can take turns driving returns over a cycle, smoothing the overall experience. The portfolio’s sector composition matches benchmark data, which is a strong indicator of diversification and reduces the risk of being blindsided by a sector-specific downturn.

Regions Info

  • North America
    44%
  • Europe Developed
    15%
  • Japan
    9%
  • No data
    6%
  • Asia Developed
    4%
  • Asia Emerging
    3%
  • Australasia
    3%
  • Africa/Middle East
    2%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, the portfolio holds about 44% in North America and the rest spread broadly across developed Europe, Japan, other developed Asia, and emerging regions. Compared with a typical US‑only portfolio, this is far more international, which lowers dependence on any single economy, political system, or currency. Relative to global market weights, North America is still a major anchor but not overwhelmingly dominant. That balanced global footprint can help when leadership rotates between regions, such as periods when non-US markets or emerging economies outperform. Currency moves will add some noise, but they also create diversification because foreign currencies don’t always move in lockstep with the dollar.

Market capitalization Info

  • Mid-cap
    22%
  • Small-cap
    17%
  • Large-cap
    16%
  • Mega-cap
    13%
  • Micro-cap
    11%

This breakdown covers the equity portion of your portfolio only.

Market-cap exposure is unusually tilted toward the middle and smaller end: mid caps are the largest slice, followed by small and micro caps, with mega and large caps making up a smaller share than in a classic index. Smaller companies tend to be more volatile day‑to‑day but historically have offered higher return potential over long horizons. This size mix means the portfolio may sway more in certain market environments, especially when smaller firms are out of favor, but it also positions the investor to benefit if the small and mid‑cap “size premium” shows up in the future. It’s a conscious trade‑off of extra noise for potential extra reward.

True holdings Info

  • Vanguard REIT II Index Fund Institutional Plus Shares
    1.15%
    Part of fund(s):
    • Vanguard Real Estate Index Fund ETF Shares
  • Apple Inc
    0.63%
    Part of fund(s):
    • American Century ETF Trust - Avantis U.S. Large Cap Value ETF
    • Avantis® U.S. Equity ETF
  • Welltower Inc
    0.60%
    Part of fund(s):
    • Vanguard Real Estate Index Fund ETF Shares
  • Prologis Inc
    0.57%
    Part of fund(s):
    • Vanguard Real Estate Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing
    0.51%
    Part of fund(s):
    • Avantis® Emerging Markets Equity ETF
  • Amazon.com Inc
    0.48%
    Part of fund(s):
    • American Century ETF Trust - Avantis U.S. Large Cap Value ETF
    • Avantis® U.S. Equity ETF
  • Equinix Inc
    0.41%
    Part of fund(s):
    • Vanguard Real Estate Index Fund ETF Shares
  • NVIDIA Corporation
    0.39%
    Part of fund(s):
    • Avantis® U.S. Equity ETF
  • Meta Platforms Inc.
    0.39%
    Part of fund(s):
    • American Century ETF Trust - Avantis U.S. Large Cap Value ETF
    • Avantis® U.S. Equity ETF
  • Exxon Mobil Corp
    0.39%
    Part of fund(s):
    • American Century ETF Trust - Avantis U.S. Large Cap Value ETF
    • Avantis® U.S. Equity ETF
  • Top 10 total 5.52%

The look-through data covers only a slice of the holdings, but it shows exposure spread across big, familiar names in tech, energy, and real estate rather than being dominated by any one stock. Apple, NVIDIA, Amazon, Meta, and Exxon appear, yet each is a tiny fraction of the whole. Because only ETF top-10 holdings are visible, actual overlap is probably higher than reported, but still constrained by the number of underlying companies. The main point here is that any single stock shock is unlikely to drive the portfolio. Instead, broad market forces and style tilts should matter far more than individual company headlines.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 56%
Size
Exposure to smaller companies
High
Data availability: 80%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 40%
Quality
Preference for financially healthy companies
High
Data availability: 40%
Yield
Preference for dividend-paying stocks
High
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 86%

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.

Factor exposure shows clear, intentional tilts: high value, size, quality, and yield, with neutral momentum and low volatility. In plain terms, this means a preference for cheaper stocks (value), smaller companies (size), financially solid businesses (quality), and above‑average income (yield). Factor investing targets these traits because decades of research link them to long‑term performance drivers, even though any single factor can lag for years. This mix suggests the portfolio may hold up relatively well in choppy markets thanks to quality and yield, while value and size could shine in economic recoveries. Neutral momentum and low volatility indicate it behaves more like a traditional diversified equity portfolio on those fronts.

Risk contribution Info

  • American Century ETF Trust
    Weight: 8.00%
    12.8%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 8.00%
    12.6%
  • Avantis® International Small Cap Value ETF
    Weight: 8.00%
    9.5%
  • Avantis® U.S. Equity ETF
    Weight: 8.00%
    9.5%
  • Avantis® Emerging Markets Equity ETF
    Weight: 8.00%
    9.4%
  • Top 5 risk contribution 53.8%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ a lot from simple weights. Here, a couple of US-focused equity funds contribute notably more risk than their 8% allocations, each adding around 12–13% of total portfolio volatility. That’s not inherently bad; it just means these positions are the main “risk engines.” Smaller positions in bonds or more diversified equity funds likely contribute far less than their weights. If someone wanted an even calmer ride, trimming the highest risk-contribution pieces and boosting lower‑risk holdings is one way to align actual risk with the intended cautious profile.

Redundant positions Info

  • Avantis International Small Cap Equity ETF
    Dimensional International Value ETF
    Avantis® International Small Cap Value ETF
    Avantis® International Equity ETF
    High correlation
  • American Century ETF Trust - Avantis U.S. Large Cap Value ETF
    Avantis® U.S. Equity ETF
    High correlation
  • Avantis® U.S. Small Cap Value ETF
    American Century ETF Trust
    High correlation

Several equity funds in the lineup move very similarly to each other, especially among the international and US value/small‑cap funds. Correlation simply measures how often assets go up and down together; highly correlated positions give less diversification benefit when markets stress. In practice, this means that in a global equity downturn, many of these holdings will likely fall at the same time, even though they invest in different countries and company sizes. The good news is that the bond and short‑term holdings will likely behave quite differently, which is where the real shock absorbers live. Stock diversification here is more about style and geography than about completely independent 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 below the efficient frontier, with a Sharpe ratio of 0.87 versus much higher Sharpe values for both the optimal and minimum-variance mixes. The Sharpe ratio measures return per unit of risk, like miles per gallon for your investments. Being 4.66 percentage points below the frontier at the same risk level means the existing holdings could be rearranged to improve the risk/return tradeoff without adding new funds. The max‑Sharpe version would run less than half the current volatility for a still‑solid expected return. That’s a useful signal that some fine‑tuning of weights could make the cautious profile even more efficient.

Dividends Info

  • Avantis® International Equity ETF 2.60%
  • Avantis International Small Cap Equity ETF 2.20%
  • Avantis® International Small Cap Value ETF 2.80%
  • Avantis® Emerging Markets Equity ETF 2.30%
  • American Century ETF Trust - Avantis U.S. Large Cap Value ETF 1.20%
  • American Century ETF Trust 1.00%
  • Avantis® U.S. Equity ETF 1.00%
  • Avantis® U.S. Small Cap Value ETF 1.40%
  • Dimensional International Value ETF 2.60%
  • SPDR Portfolio Intermediate Term Treasury 3.50%
  • Vanguard Real Estate Index Fund ETF Shares 3.80%
  • VANGUARD SHORT-TERM FEDERAL FUND INVESTOR SHARES 3.80%
  • Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares 3.60%
  • Weighted yield (per year) 2.39%

The overall dividend yield of about 2.39% reflects a blend of modest equity income and higher yields from bonds and real estate. Individual equity ETFs sit in the 1–3% range, which is typical for diversified stock funds that don’t chase yield at the expense of quality. The bond and real estate pieces offer yields in the mid‑3% range, adding a more stable income component. Dividends are useful because they provide a steady return stream even when prices move sideways. For an investor who occasionally withdraws cash, this level of yield can soften the need to sell shares during short‑term market dips, though it won’t fully replace portfolio growth.

Ongoing product costs Info

  • Avantis® International Equity ETF 0.23%
  • Avantis International Small Cap Equity ETF 0.30%
  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® Emerging Markets Equity ETF 0.33%
  • American Century ETF Trust - Avantis U.S. Large Cap Value ETF 0.15%
  • American Century ETF Trust 0.25%
  • Avantis® U.S. Equity ETF 0.15%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Dimensional International Value ETF 0.27%
  • SPDR Portfolio Intermediate Term Treasury 0.03%
  • Vanguard Real Estate Index Fund ETF Shares 0.12%
  • VANGUARD SHORT-TERM FEDERAL FUND INVESTOR SHARES 0.20%
  • Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares 0.04%
  • Weighted costs total (per year) 0.21%

The total expense ratio (TER) of around 0.21% is impressively low for an actively tilted, factor-based global mix. TER is the annual fee charged by funds, taken quietly in the background; over decades, even small differences compound into real money. Here, most core equity and bond funds sit well below 0.4%, with some flagship positions near or under 0.15%, and the Treasury and TIPS holdings are extremely cheap. For a diversified, research-driven strategy like this, paying roughly two‑tenths of a percent per year is very efficient. Keeping costs this low supports better long-term performance and shows a strong awareness of fee drag.

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