Broad global stock portfolio with a strong US tilt and a modest small cap and momentum twist
Report created on Jun 5, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
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 10.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 10.00%
This portfolio is a simple four‑ETF equity mix, fully invested in stocks with no bonds or cash. Around half sits in a broad US large‑cap fund, about a third in international stocks, and the remaining slice is split between US small‑cap value and a US momentum strategy. Structurally, this is a growth‑oriented setup that leans heavily on mainstream index exposure while adding two smaller “satellite” tilts. A structure like this keeps the core easy to understand while allowing some extra return drivers around the edges. Because there’s no stabilizing asset class, the portfolio’s value is likely to move up and down more than a mix that includes bonds or cash.
Growth
From late 2019 to mid‑2026, $1,000 in this portfolio grew to about $2,691, which works out to a 16.0% compound annual growth rate (CAGR). CAGR is like your average speed on a long car trip, smoothing out the bumps along the way. Over this period, the portfolio slightly trailed the US market but beat the global market, showing that its US tilt helped. The worst drop from peak to trough was about ‑34.7% during early 2020, very similar to broad markets, and it recovered in roughly five months. That pattern shows it’s behaved like a typical growth portfolio: strong long‑term growth, but with deep and fast drawdowns when markets turn.
Projection
The Monte Carlo projection looks ahead 15 years by simulating many possible futures using past volatility and returns as a guide. Think of it as running the same coin toss game 1,000 times to see the range of outcomes, not to predict a specific one. The median path turns $1,000 into about $2,676, with a wide “middle band” from roughly $1,767 to $4,117. The extremes stretch from around $978 to $8,076, showing both loss and strong growth are possible. An average simulated return of 8.0% a year is notably lower than the recent historical 16%, underlining that the past few years were unusually strong and may not repeat.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with 0% in bonds, cash, or alternatives. That 100% equity allocation is straightforward and keeps things transparent: returns come entirely from company ownership, not from interest or other sources. In general, stocks have higher long‑term growth potential than bonds but also larger and more frequent swings. Because there’s no other asset class to offset stock market moves, the portfolio’s ups and downs will closely track equity cycles. This can be powerful in strong markets but more uncomfortable in extended downturns, where a mixed stock‑bond blend would usually show smaller declines for the same period.
Sectors
- Technology 29%
- Financials 16%
- Industrials 12%
- Consumer Discretionary 10%
- Telecommunications 8%
- Health Care 7%
- Energy 5%
- Consumer Staples 5%
- Basic Materials 4%
- Utilities 2%
- Real Estate 2%
Sector exposure is tilted toward technology at about 29%, with financials, industrials, and consumer‑oriented areas making up much of the rest. This mix is broadly in line with global equity benchmarks, which also have technology as the largest slice, though this portfolio leans slightly more in that direction. A tech‑heavier profile often captures innovation and growth but can be more sensitive when interest rates rise or when sentiment turns against high‑growth businesses. The smaller allocations to areas like utilities and real estate mean the portfolio has less of the traditionally defensive sectors that sometimes hold up better when growth sectors stumble.
Regions
- North America 72%
- Europe Developed 11%
- Asia Developed 5%
- Japan 5%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 72% of the portfolio is in North America, with the rest spread across Europe, developed Asia, Japan, and emerging regions. This is a clear US and North America tilt compared with global indices, where US exposure is high but not usually this dominant. Heavier exposure to one region means company fortunes, currency moves, and policy decisions in that area matter more for overall returns. The remaining 28% still provides meaningful diversification, giving exposure to different economies and market cycles. That global mix helps soften the impact if one region struggles, though the portfolio’s experience will still be led by North American markets.
Market capitalization
- Mega-cap 41%
- Large-cap 31%
- Mid-cap 15%
- Small-cap 7%
- Micro-cap 5%
Market‑cap exposure is anchored in mega and large companies, which together make up about 72% of the portfolio. These are typically well‑known, mature businesses that can dominate index performance. The remaining allocation steps down the size spectrum into mid, small, and even micro‑cap stocks, adding a modest tilt toward smaller companies compared with a pure large‑cap index. Smaller firms often show more pronounced ups and downs but can offer higher growth potential over long stretches. This blend means a relatively stable large‑cap core with a noticeable, but not overwhelming, dose of higher‑volatility smaller names contributing extra diversification and different return patterns.
True holdings
-
NV NVIDIA Corporation 4.81%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 3.23%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 2.45%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.37%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.29%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.10%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.82%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.15%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
MU Micron Technology Inc 1.13%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
ME Meta Platforms Inc. 1.09%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 22.42%
Looking through fund holdings, a handful of big names like NVIDIA, Apple, Microsoft, Alphabet, Amazon, and Meta show up prominently across multiple ETFs. Combined, they represent meaningful exposure even though none is held directly. This overlap is normal for portfolios built from broad index funds, especially those tracking large US markets. However, it does create hidden concentration, because the same companies drive returns in more than one fund. It’s worth noting that only ETF top‑10 positions are visible here, so total overlap is likely higher. The takeaway is that a relatively small group of mega‑cap firms has an outsized influence on performance.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility sits close to neutral, with all measures hovering around the market‑average 50% mark. Factors are like investing “ingredients” that explain why groups of stocks behave differently, such as being cheaper (value) or faster‑moving (momentum). In this case, there are no pronounced tilts: the portfolio behaves more like a broad market basket than a specialized factor strategy, despite having small‑cap value and momentum ETFs in the mix. That suggests the two smaller positions are not large enough to push the overall portfolio away from a standard, diversified market profile.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 50.6% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 26.9% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 12.3% -
Invesco S&P 500® Momentum ETF
Weight: 10.00% 10.3%
Risk contribution shows how much each holding adds to total portfolio volatility, which can differ from its simple weight. Here, the S&P 500 ETF is half the portfolio and contributes about 51% of the risk, so its impact on ups and downs is almost exactly proportional. The international fund is 30% of assets but only about 27% of risk, slightly dampening volatility. The small‑cap value ETF stands out a bit: it’s 10% of the weight but about 12% of the risk, reflecting the bumpier ride of smaller, cheaper stocks. Overall, risk is spread broadly, with the top three funds driving most of the portfolio’s movement.
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‑vs‑return chart compares this portfolio with the best possible mixes using the same four ETFs. The current setup has a Sharpe ratio of 0.65, which measures return per unit of risk after accounting for a risk‑free rate, like cash. The optimal combination on the efficient frontier reaches a Sharpe of 1.01 with somewhat higher return and slightly more risk. Because the current portfolio sits about 1.7 percentage points below the frontier at its risk level, there is theoretical room to improve the risk/return balance just by reweighting these existing funds. Even so, the current mix still delivers strong expected returns for its volatility.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco S&P 500® Momentum ETF 0.70%
- Vanguard S&P 500 ETF 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.51%
The overall dividend yield is about 1.5%, with the highest yield coming from international stocks at 2.7% and lower yields from the US‑focused funds. Yield is the annual income from dividends as a percentage of the portfolio’s value. Here, income is a relatively small part of the total return story; most of the growth historically has come from price increases, especially in growth and momentum‑driven areas. A moderate yield like this can still help smooth returns over time by providing some cash flow even in flat markets. But this portfolio is clearly tilted more toward capital appreciation than toward high income.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.07%
The portfolio’s weighted ongoing fee (TER) is about 0.07% per year, which is impressively low for an all‑ETF, globally diversified stock mix. TER is the annual percentage cost charged by the funds, quietly deducted inside each ETF. Keeping this number small matters because fees come off every year, and the difference compounds over decades. In this case, costs line up very well with best‑in‑class index options, meaning only a tiny slice of returns is being lost to fees. That efficient cost structure supports better long‑term performance and frees more of the portfolio’s growth to stay in the investor’s pocket rather than going to fund managers.
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