Focused global equity portfolio tilted to US large caps and small value with low costs
Report created on Mar 27, 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 70.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00%
The portfolio is a simple three‑fund setup: a core US large‑cap fund at 70%, an international equity fund at 20%, and a 10% satellite in US small‑cap value. Everything is in stocks, so it’s firmly in growth territory rather than capital‑preservation mode. This kind of structure is easy to manage and understand, which matters a lot over decades. The heavy US core gives stability and familiarity, while the smaller positions add diversification and factor tilts. Overall, this is a straightforward “set it and mostly forget it” growth layout, but it does lean heavily on equity market performance, so short‑term swings can be meaningful.
Growth
From late 2019 to March 2026, $1,000 grew to about $2,277, a compound annual growth rate (CAGR) of 14.7%. CAGR is the “average speed” of growth per year over the whole period. That slightly edges the US market benchmark and comfortably beats the global market. The trade‑off is a max drawdown of about –35%, meaning the portfolio once sat roughly a third below a prior peak. That’s in line with major equity portfolios. Only 18 days generated 90% of returns, showing how missing a few big up days can hurt. Historically, this portfolio has rewarded staying invested through volatility. Past performance, though, cannot guarantee future results.
Asset classes
- Stocks 100%
All assets are in stocks, with 0% in bonds, cash, or alternatives. That pure‑equity stance maximizes long‑run growth potential but also maximizes sensitivity to market downturns. In deep selloffs, there is no built‑in ballast from safer assets to cushion falls. Many broad benchmarks include some defensive components at the total portfolio level, but here the structure is intentionally growth‑oriented. This is well‑aligned with long horizons and higher risk tolerance. For shorter horizons or bigger upcoming cash needs, separate low‑risk savings outside this portfolio can help balance things, while leaving this equity sleeve free to compound.
Sectors
- Technology 27%
- Financials 15%
- Industrials 11%
- Consumer Discretionary 11%
- Health Care 9%
- Telecommunications 9%
- Consumer Staples 5%
- Energy 5%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is reasonably diversified but clearly tilted toward technology at 27%, followed by financials, industrials, and consumer discretionary at similar mid‑teens or low‑teens levels. Tech‑heavy allocations often benefit when innovation and growth drive markets, but they can be more sensitive to interest‑rate changes and shifts in sentiment around growth stocks. Defensive sectors like utilities, staples, and real estate are relatively small here, which is typical for broad equity indices but means less downside cushioning from traditionally steadier areas. The sector mix aligns broadly with global equity benchmarks, which is a strong indicator of solid baseline diversification despite a growth flavor.
Regions
- North America 81%
- Europe Developed 8%
- Japan 3%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, the portfolio leans strongly toward North America at 81%, with more modest slices in developed Europe and Japan and smaller allocations across other regions. That’s a clear home‑bias tilt relative to a more globally balanced equity benchmark, which usually has a lower US weight. Over the last decade, this tilt has generally helped, as US markets have outpaced many others. However, it does mean results are heavily tied to the fortunes of a single region’s economy, currency, and policy environment. Maintaining some international exposure, as seen here, still helps diversify country‑specific risks, even if the US remains the main driver.
Market capitalization
- Mega-cap 42%
- Large-cap 30%
- Mid-cap 16%
- Small-cap 7%
- Micro-cap 5%
Market cap exposure is dominated by mega‑ and large‑cap stocks at about 72% combined, with meaningful but smaller allocations to mid, small, and even micro‑caps. Larger companies usually bring more stability, stronger balance sheets, and better liquidity, which can smooth the ride versus a portfolio dominated by tiny firms. The added small and micro‑cap exposure injects extra growth potential and higher risk, especially in rough markets when smaller names can drop more. That mix creates a nice barbell between stability and return potential. The dedicated small‑cap value ETF is the main engine behind the stronger tilt toward the lower end of the size spectrum.
True holdings
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NV NVIDIA Corporation 5.12%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc 4.65%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.47%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.43%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.16%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.80%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.72%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.68%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.34%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 1.10%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 25.47%
Looking through the ETFs, the biggest underlying exposures are the usual mega‑cap names: NVIDIA, Apple, Microsoft, Amazon, the two Alphabet share classes, Meta, Tesla, Broadcom, and Berkshire Hathaway. These appear via multiple index funds, which creates indirect concentration in a handful of large firms even without owning them directly. Overlap is likely higher than shown because only top‑10 ETF holdings are captured. This kind of hidden concentration is common in broad market funds and isn’t automatically a problem, but it means a lot of the ride will be influenced by a small group of giant companies. Being aware of that driver helps set realistic expectations.
Factors
Factor exposure shows strong tilts toward value and size, plus a notable lean to low volatility, with moderate momentum. Factors are characteristics like “cheap vs expensive” (value) or “small vs large” (size) that research has tied to long‑term returns. A high value tilt suggests a focus on companies priced lower relative to fundamentals, which can outperform over long stretches but lag during growth‑stock booms. The size tilt reflects the small‑cap sleeve, which may shine in certain cycles but is bumpier. Low‑volatility exposure can slightly smooth returns in choppy markets. Signal coverage is limited for some factors, so these estimates are approximate, but the pattern clearly isn’t purely market‑neutral.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 70.00% 70.5% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 17.2% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 12.3%
Risk contribution shows how much each holding drives overall volatility, not just how big it is. Here, the S&P 500 fund is 70% of the weight and about 70.5% of the risk, so its influence is roughly proportional. The international fund’s risk share is slightly lower than its weight, which suggests it adds diversification. The small‑cap value ETF is 10% of the portfolio but contributes over 12% of risk, reflecting its higher volatility. This is common for smaller, value‑tilted stocks. When a position’s risk share is far above its weight, trimming or pairing it with stabilizing assets can help align actual portfolio behavior with the intended risk level.
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 has a Sharpe ratio of 0.64, slightly below the 0.72 of the optimal mix built from the same three funds. The efficient frontier represents the best expected return for each risk level, using only different weightings of current holdings. Because the portfolio sits below that curve, its risk/return tradeoff could be improved by reweighting, without adding new products. The minimum‑variance version is gentler but also lower return. There’s even a same‑risk optimized point with higher expected return but also much higher volatility, highlighting the tradeoff. Overall, this structure is already solid, with some room to fine‑tune weights if desired.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.40%
- Vanguard S&P 500 ETF 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- Weighted yield (per year) 1.58%
The overall dividend yield sits around 1.58%, with the international fund contributing the highest yield and the US large‑cap fund offering a modest payout. Dividends are the cash payments companies make to shareholders, and they can be a meaningful component of long‑term equity returns even if they look small year to year. Reinvested dividends buy more shares automatically, quietly boosting compounding over time. This setup is more growth‑than‑income oriented; the yield is a nice bonus but not the main story. For someone focused on long‑term wealth building rather than near‑term cash flow, a moderate yield like this fits well.
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%
Total ongoing costs are impressively low at about 0.06% per year. The core Vanguard funds are ultra‑cheap, and even the small‑cap value ETF, while pricier, barely budges the blended cost. Fees are one of the few things investors can largely control, and every 0.1% saved annually can stack up significantly over decades. This cost profile is fully in line with best practices and supports better long‑term outcomes compared with more expensive active strategies. Keeping the existing low‑fee structure intact is already a big win; there’s essentially no “fee drag” to fix here, which puts the portfolio on a strong foundation.
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