Growth focused global equity mix with strong tilts toward value small caps and quality stocks

Report created on Mar 27, 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 a pure equity mix built from five broad and factor-tilted ETFs. Roughly two thirds is in total market funds, with the rest split between small-cap value and a dedicated quality strategy. This creates a core-and-satellite structure: broad market at the center, with targeted tilts layered on top. That setup matters because the core drives long-term market-like returns, while the satellites shape how the ride feels year to year. Overall, this composition leans clearly toward growth and capital appreciation, with meaningful but controlled tilts toward specific styles rather than scattered, hard-to-manage bets.

Growth Info

From late 2019 to early 2026, $1,000 grew to about $2,110, a compound annual growth rate (CAGR) of 13.48%. CAGR is like average speed on a road trip, smoothing out bumps to show the long-run pace. That return slightly trailed the U.S. market but clearly beat the global market, which is a solid outcome for a diversified, factor-tilted setup. The max drawdown of -36.72% shows this is a true growth-oriented equity portfolio; it will feel sharp declines in rough markets. The key takeaway: returns have been strong and broadly aligned with expectations for an all-stock, growth-tilted allocation, but investors need comfort with big temporary drops.

Asset classes Info

  • Stocks
    100%

Every dollar here is in stocks, with 0% in bonds, cash, or alternatives. That all-equity stance is powerful for long-term growth because stocks historically have beaten most other asset classes over long periods. The flip side is higher volatility and larger drawdowns, especially during recessions or crises, when diversified stock/bond mixes usually fall less. Relative to balanced portfolios, this setup is clearly aggressive and geared toward investors who can accept more swings in pursuit of higher returns. A helpful mental model: this isn’t a “smooth ride” portfolio; it’s more like a high-speed train that occasionally hits rough tracks but gets you further over decades.

Sectors Info

  • Technology
    21%
  • Financials
    16%
  • Industrials
    15%
  • Consumer Discretionary
    11%
  • Health Care
    9%
  • Basic Materials
    6%
  • Telecommunications
    6%
  • Consumer Staples
    5%
  • Energy
    5%
  • Real Estate
    3%
  • Utilities
    3%

Sector exposure is fairly balanced, with technology the largest at 21%, followed by financials and industrials. This is much closer to diversified global benchmarks than a tech-heavy or single-theme portfolio. That balance is valuable because different sectors lead at different times: tech and consumer stocks often shine in growth phases, while staples or utilities can hold up better in downturns. The lack of extreme overconcentration in any single area supports resilience across different economic environments. This sector mix is well-balanced and aligns closely with global standards, which is a strong indicator of healthy diversification without diluting growth potential.

Regions Info

  • North America
    66%
  • Europe Developed
    14%
  • Japan
    8%
  • Asia Developed
    4%
  • Asia Emerging
    4%
  • Australasia
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%

Geographically, about two thirds is in North America, with the rest spread across developed Europe, Japan, other developed Asia, emerging Asia, and smaller slices of other regions. That tilt toward North America mirrors many global equity benchmarks and reflects the dominance of U.S.-listed firms in world markets. The global spread matters because different regions face distinct economic cycles, currencies, and policy regimes. When one region lags, others may offset it. This allocation is well-balanced and aligns closely with global standards, offering a nice middle ground between “home only” investing and a fully equal-weight global mix.

Market capitalization Info

  • Mega-cap
    29%
  • Mid-cap
    25%
  • Large-cap
    23%
  • Small-cap
    17%
  • Micro-cap
    5%

The portfolio spans the market-cap spectrum: nearly 30% in mega-caps, with sizeable allocations to large and mid-caps, plus a meaningful 22% combined in small and micro-caps. Market capitalization just means company size, and mixing sizes adds another layer of diversification. Smaller companies tend to be more volatile but have historically offered higher long-run return potential, while mega-caps add stability and liquidity. This blend supports both sturdier core exposure and targeted growth from smaller firms. The clear tilt toward smaller companies is intentional and fits the broader value and quality themes, which can change how the portfolio behaves versus a plain market-weighted index.

True holdings Info

  • Apple Inc
    2.53%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard U.S. Quality Factor
  • NVIDIA Corporation
    2.47%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    1.76%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    1.22%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    1.10%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    0.91%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    0.86%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.86%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Meta Platforms Inc.
    0.85%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    0.69%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 13.26%

Looking through ETF top holdings, the largest underlying exposures are familiar mega-cap names like Apple, NVIDIA, Microsoft, Amazon, and Alphabet, all under roughly 2.5% each. None of these single names dominate, which is positive for concentration risk. There is, however, some hidden clustering in big global tech and communication platforms, since they appear in multiple broad-market ETFs. Because only ETF top-10 holdings are captured, overlap is actually understated, meaning diversification across individual companies is stronger than the numbers show. Overall, this structure spreads risk widely while still capturing the market’s biggest growth drivers, which is a healthy sign for a long-term equity base.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 24%
Size
Exposure to smaller companies
Very high
Data availability: 75%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Very high
Data availability: 11%
Yield
Preference for dividend-paying stocks
No data
Data availability: 0%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure shows strong tilts to value, size (smaller companies), and quality, with moderate momentum and low-volatility exposure. Factors are like underlying “traits” that drive returns, such as cheapness (value) or financial strength (quality). An 85% tilt toward value and size suggests the portfolio may do particularly well when cheaper, smaller stocks are in favor, but it might lag during mega-cap growth-led rallies. The strong quality tilt can cushion some downside, as higher-quality firms often hold up better in stress periods. Overall, this factor mix is thoughtfully designed and differs meaningfully from a neutral index, which can be a real strength for patient, long-term investors.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 40.00%
    40.8%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 25.00%
    22.4%
  • Vanguard Small-Cap Value Index Fund ETF Shares
    Weight: 12.00%
    14.1%
  • Vanguard U.S. Quality Factor
    Weight: 11.00%
    11.9%
  • Avantis® International Small Cap Value ETF
    Weight: 12.00%
    10.8%

Risk contribution measures how much each holding drives the portfolio’s overall ups and downs, which isn’t always the same as its weight. The total U.S. market ETF, at 40% weight, contributes about 40.8% of risk, so it’s very much the risk anchor. The international total market and small-cap value funds contribute slightly more or less risk than their weights, but nothing is wildly disproportionate. The top three positions account for about 77% of total risk, which is normal for a compact five-fund portfolio. This alignment suggests position sizes are sensible and that risk is concentrated where the largest growth engines also live, which is generally desirable.

Redundant positions Info

  • Vanguard Small-Cap Value Index Fund ETF Shares
    Vanguard U.S. Quality Factor
    High correlation

Correlation looks at how investments move relative to each other, from -1 (opposite) to +1 (together). Here, the small-cap value ETF and the U.S. quality factor ETF are highly correlated, meaning they tend to move in similar directions despite targeting different traits. High correlation doesn’t make them redundant, but it does limit diversification during sharp U.S. equity moves. Across the portfolio, the broad U.S. and international market funds will also be correlated in global shocks. The key point: diversification is good but not absolute; in big market stress, most of these assets are likely to move down together, just to different degrees.

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 an expected return of 13.60% with volatility of 19.69% and a Sharpe ratio of 0.59. The optimal mix of these same holdings reaches a Sharpe of 0.75, and a same-risk optimized version would target around 15.30% expected return at similar volatility. That means the current allocation sits below the efficient frontier, which is the curve showing the best possible return for each risk level using only your existing funds. The clear takeaway: by just reweighting these five ETFs—without adding anything new—the overall risk/return tradeoff could be improved meaningfully.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.10%
  • Vanguard Small-Cap Value Index Fund ETF Shares 1.90%
  • Vanguard U.S. Quality Factor 1.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • Weighted yield (per year) 1.96%

The total portfolio yield sits around 1.96%, with higher income coming from the international and small-cap value funds, and lower yields from the U.S. quality and total market ETFs. Dividend yield is the annual cash payout relative to price, useful for investors who like some ongoing income but don’t want a pure income strategy. In this case, dividends are a nice bonus rather than the main show; most of the return expectation comes from price growth. Reinvesting those dividends back into the portfolio can quietly accelerate compounding over time, even if the cash flow doesn’t look especially large year to year.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard U.S. Quality Factor 0.13%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.09%

Total costs are impressively low, at about 0.09% per year. TER, or total expense ratio, is like a small annual membership fee for using each ETF. Low fees matter because they come off returns every single year; saving even 0.3–0.5 percentage points annually can add up to thousands of dollars over decades. This fee level is better than what many investors pay for similar exposure and strongly supports long-term performance. The mix of ultra-low-cost core funds with slightly higher-cost but still reasonable factor funds looks very well thought out from a cost-efficiency standpoint.

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