Strong value tilted small company portfolio with broad global reach and modest bond stabilizer
Report created on Aug 17, 2026Risk profile
4/7
Diversification profile
4/5
Positions
-
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 36.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 27.00% -
AV Avantis® Emerging Markets Value ETF
AVES - US0250723725 27.00% -
VG Vanguard Intermediate-Term Treasury Index Fund ETF Shares
VGIT - US92206C7065 10.00%
This portfolio is built around three equity funds targeting smaller value companies, plus a single Treasury bond ETF. About a third is in US small value shares, just over half in international and emerging small value, and 10% in intermediate‑term US government bonds. So the structure is very focused rather than scattered across many strategies. That clarity matters because it makes the main risk drivers easy to understand: company shares, especially smaller and cheaper ones, dominate outcomes, while the bond slice mainly dampens swings. Overall, the mix reflects a clear equity‑heavy, factor‑driven approach with only a light dose of bonds to provide some ballast during equity market stress.
Growth
Over the period from late 2021 to mid‑2026, $1,000 in this portfolio grew to about $1,719. That translates into a compound annual growth rate (CAGR) of 11.81%, meaning the value increased as if it had earned that percentage every year on average. The US market and global market did a bit better over this stretch, but also saw slightly deeper maximum losses. The portfolio’s worst peak‑to‑trough decline was about ‑22%, recovering in roughly two years. That’s a sizable but not extreme drawdown for an equity‑heavy mix. This shows the portfolio tracked broad markets reasonably closely, with somewhat lower returns but also slightly softer extremes in this specific window.
Projection
The forward projection uses a Monte Carlo simulation, which basically runs many “what if” market paths by remixing patterns from history. Here, 1,000 simulated 15‑year paths turn a starting $1,000 into a median outcome around $2,642, with most paths landing between about $1,800 and $4,000. A smaller slice of paths produce much higher or barely‑positive values, which is why you see a wide possible range up to nearly $6,900. The average annual return across all simulations is 7.69%, but this is not a promise—just a statistical picture based on past behavior. It highlights that outcomes cluster around moderate growth, with meaningful but not overwhelming downside risk over long horizons.
Asset classes
- Stocks 90%
- Bonds 10%
From an asset‑class view, the mix is simple: 90% stocks, 10% bonds. Stocks are ownership stakes in companies and usually drive growth over long periods, while bonds are loans to governments or companies that tend to move less and offer steadier income. A 90/10 split means performance will be dominated by equity markets, with bonds acting more like a shock absorber than a central engine. Compared with classic diversified mixes that might hold more bonds, this structure leans clearly toward growth and equity risk. The modest bond slice is still helpful, though, because even a small low‑volatility component can soften some of the sharpest portfolio swings.
Sectors
- Financials 21%
- Industrials 14%
- Consumer Discretionary 14%
- Basic Materials 10%
- Technology 10%
- Energy 9%
- Consumer Staples 4%
- Telecommunications 3%
- Health Care 3%
- Real Estate 1%
- Utilities 1%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is spread across many parts of the economy, with financials the largest slice, followed by industrial, consumer, materials, tech, and energy holdings. No single sector dominates to an extreme degree, and several more defensive areas like consumer staples, utilities, and health care are present, though in smaller amounts. Sector diversification matters because different parts of the economy react differently to interest rates, inflation, and growth surprises. For example, cyclical sectors can benefit more in strong expansions but may be hit harder in recessions. This portfolio’s mix leans a bit toward economically sensitive areas but still maintains a broad spread, which is a healthy sign for diversification.
Regions
- North America 39%
- Asia Developed 14%
- Europe Developed 10%
- Asia Emerging 9%
- Japan 9%
- Africa/Middle East 3%
- Australasia 3%
- Latin America 2%
- Europe Emerging 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, the portfolio is nicely global. Roughly 40% is in North America, with meaningful slices in developed Asia, Japan, Europe, and several emerging regions like Asia emerging, Latin America, and Africa/Middle East. Compared with a US‑dominated benchmark, this looks more internationally tilted, especially once you consider that the US piece is focused on small value rather than mega‑cap names. Geographic diversification can help when different economies and currencies move on different cycles, spreading political and economic risk. This allocation is well‑balanced and aligns closely with global standards, giving the portfolio exposure to a wide range of growth drivers beyond a single market.
Market capitalization
- Small-cap 30%
- Mid-cap 22%
- Micro-cap 20%
- Large-cap 13%
- Mega-cap 4%
This breakdown covers the equity portion of your portfolio only.
The market‑cap breakdown shows a clear emphasis on the smaller end of the spectrum. Small‑cap and micro‑cap holdings together form about half the portfolio, with mid‑caps also significant and large/mega‑caps a minority. Market capitalization is just the total value of a company’s shares, and smaller firms often have more room to grow but can be more volatile and sensitive to economic shocks. This tilt means the portfolio is less anchored by huge global giants and more influenced by the fortunes of smaller businesses. Historically, that has sometimes been rewarded, but it also typically brings bumpier rides than a large‑cap‑heavy index.
True holdings
-
AT AT & S Austria Technologie & Systemtechnik Aktiengesellschaft 0.39%
Part of fund(s):- Avantis® International Small Cap Value ETF
-
AS ASE Industrial Holding Co Ltd ADR 0.37%
Part of fund(s):- Avantis® Emerging Markets Value ETF
-
MA Matson Inc 0.37%
Part of fund(s):- Avantis® U.S. Small Cap Value ETF
-
VS ViaSat Inc 0.37%
Part of fund(s):- Avantis® U.S. Small Cap Value ETF
-
LN Lantheus Holdings Inc 0.34%
Part of fund(s):- Avantis® U.S. Small Cap Value ETF
-
06 LG Electronics Inc 0.32%
Part of fund(s):- Avantis® Emerging Markets Value ETF
-
34 Innolux Corp 0.31%
Part of fund(s):- Avantis® Emerging Markets Value ETF
-
28 CTBC Financial Holding Co Ltd 0.31%
Part of fund(s):- Avantis® Emerging Markets Value ETF
-
01 Geely Automobile Holdings Ltd 0.29%
Part of fund(s):- Avantis® Emerging Markets Value ETF
-
SM SM Energy Co 0.28%
Part of fund(s):- Avantis® U.S. Small Cap Value ETF
- Top 10 total 3.38%
This breakdown covers the equity portion of your portfolio only.
The look‑through data only covers the top ten holdings of each ETF, so it reveals about 8% of the underlying positions. Within that slice, individual companies each sit at well under 1% of the overall portfolio, with no single name looking dominant. Because overlap is measured only on this top‑ten subset, any hidden concentration where the same company appears in multiple funds is likely understated. Still, what’s visible suggests that risk is spread across many small positions rather than concentrated in a handful of giants. This matches what you’d expect from diversified small‑cap and emerging markets funds with hundreds or thousands of holdings.
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.
Factor exposure is where this portfolio really stands out. It has very high tilts to value and size, meaning it strongly favors cheaper stocks and smaller companies versus the broad market. Factor investing is like choosing specific ingredients—such as “cheapness” or “quality”—that academic research links to long‑term returns. A strong value tilt tends to help when undervalued shares rebound relative to expensive ones but can lag during long growth stock booms. A strong small‑size tilt often shines in risk‑on environments yet can be more sensitive in downturns. The portfolio also leans somewhat toward quality and yield, which may slightly offset some of the rough edges of deep value and small‑cap exposure.
Risk contribution
-
Avantis® U.S. Small Cap Value ETF
Weight: 36.00% 46.5% -
Avantis® International Small Cap Value ETF
Weight: 27.00% 27.5% -
Avantis® Emerging Markets Value ETF
Weight: 27.00% 25.6% -
Vanguard Intermediate-Term Treasury Index Fund ETF Shares
Weight: 10.00% 0.5%
Risk contribution data shows that the US small‑cap value ETF, at 36% weight, is responsible for about 46% of total portfolio volatility. That’s a risk/weight ratio of 1.29, meaning it drives more of the ups and downs than its size alone would suggest. The two non‑US equity funds contribute risk roughly in line with their weights, while the Treasury ETF, despite being 10% of the portfolio, adds less than 1% of total risk. This illustrates how a relatively small position in government bonds can significantly calm overall volatility, and how a single equity sleeve can become the primary engine of risk even without being a majority allocation.
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 chart compares this portfolio’s risk and return to the best combinations achievable using the same holdings. With a Sharpe ratio of 0.54, the current mix sits below the frontier by about 1.7 percentage points of return at its current risk level. The Sharpe ratio is simply return minus cash‑like yield, divided by volatility—a way to measure return per unit of risk. The “optimal” portfolio on the chart reaches a Sharpe of 0.85 with slightly higher volatility, suggesting a different weighting of the same four ETFs could historically have delivered better risk‑adjusted performance. That doesn’t guarantee the same pattern in the future, but it highlights how position sizing affects efficiency.
Dividends
- Avantis® International Small Cap Value ETF 2.60%
- Avantis® Emerging Markets Value ETF 2.50%
- Avantis® U.S. Small Cap Value ETF 1.20%
- Vanguard Intermediate-Term Treasury Index Fund ETF Shares 3.90%
- Weighted yield (per year) 2.20%
The overall dividend yield for the portfolio is about 2.2%, drawn from a mix of equity and bond income. The Treasury ETF is the highest yielder at roughly 3.9%, while the international and emerging small value funds also offer decent cash payouts around the mid‑2% range. Dividends can be an important part of total return, especially when prices move sideways for stretches. Here, income is meaningful but not the central focus; growth still comes mainly from price changes and factor exposure. The presence of a reasonably steady bond yield, combined with equity dividends, provides a modest but ongoing cash flow component alongside the capital appreciation potential.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® Emerging Markets Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Vanguard Intermediate-Term Treasury Index Fund ETF Shares 0.04%
- Weighted costs total (per year) 0.29%
The weighted average cost, or Total Expense Ratio (TER), for this portfolio is about 0.29% per year. That means for every $1,000 invested, roughly $2.90 goes to fund management annually. Costs matter because they compound in reverse—every fraction of a percent saved stays in the portfolio to grow over time. The bond ETF is very inexpensive, and even the factor‑focused equity funds are moderately priced for their style. Compared with many actively managed or specialized products, these fees are impressively low, supporting better long‑term performance. As a result, the cost structure is a clear strength and does not appear to be a drag on the overall strategy.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
Compare your holdings
How much do the funds you hold actually overlap with the ones people weigh them against?
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey