Equity portfolio with broad global coverage and a clear tilt toward value and smaller companies
Report created on Jun 16, 2026Risk profile
5/7
Diversification profile
3/5
Positions
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VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 65.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.00%
This portfolio is made up of three equity ETFs, all fully invested in stocks. Around two‑thirds sits in a broad US total market fund, one‑fifth in international stocks outside the US, and the remaining slice in a dedicated US small‑cap value ETF. That structure means most of the behavior is driven by the overall US stock market, with meaningful secondary roles for overseas markets and smaller, cheaper US companies. A simple three‑fund setup like this is easy to understand and track because each piece has a clear job. The mix combines broad market coverage with a deliberate tilt, which can change how the portfolio behaves compared with a plain “own everything by size” approach.
Growth
One or more local-currency benchmark funds are unavailable for this report.
From late 2019 to mid‑2026, a hypothetical $1,000 in this portfolio grew to about $2,583. That translates to a compound annual growth rate (CAGR) of 15.22%, meaning the money grew on average 15.22% per year, smoothed out like average speed on a long road trip. Over the same period, the global market benchmark returned 13.75%, so this mix outpaced it by roughly 1.47 percentage points a year. The worst peak‑to‑trough fall, or max drawdown, was about –36% during early 2020, slightly deeper than the global market’s –34%. The fact that it recovered in about five months shows that historically it bounced back relatively quickly, though past rebounds don’t guarantee future ones.
Projection
The Monte Carlo projection looks ahead 15 years using many simulated paths based on historical behavior. Monte Carlo is basically a “what if” engine: it runs 1,000 different market scenarios, mixing good and bad periods randomly while respecting past volatility and correlations. In these simulations, $1,000 most often ends up around $2,757, with a middle “likely” range of roughly $1,773 to $4,244. A wide “possible” band stretches from just under your starting amount to over $7,500. The average simulated annual return is 8.10%. These numbers are not promises; they just show a spectrum of outcomes consistent with past data, and real markets can land outside even the 5–95% range.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash, or alternative assets. That 100% equity allocation naturally pushes both expected returns and expected ups‑and‑downs higher than a mix that includes steadier assets. Compared with a global market that includes bonds, this is more growth‑oriented and more sensitive to stock market swings. Being entirely in equities keeps the structure straightforward and avoids the drag of lower‑return assets, but it also means there’s no built‑in cushion during sharp equity sell‑offs. Historically, portfolios like this can experience larger drawdowns and longer recovery times than blended stock‑bond mixes, especially when stock markets fall broadly across regions.
Sectors
- Technology 26%
- Financials 16%
- Industrials 12%
- Consumer Discretionary 11%
- Health Care 8%
- Telecommunications 8%
- Energy 6%
- Consumer Staples 5%
- Basic Materials 4%
- Real Estate 2%
- Utilities 2%
Sector‑wise, the portfolio is anchored by technology at 26%, followed by financials at 16% and industrials at 12%. Consumer‑related areas and health care also hold meaningful slices, while real estate and utilities are small at 2% each. This spread looks broadly similar to many global equity benchmarks, with a notable leaning toward sectors that tend to be more economically sensitive, like technology, financials, and industrials. Tech and other growth‑oriented sectors can drive strong returns when innovation and earnings growth are rewarded, but they may be more volatile when interest rates rise or investors rotate toward defensive areas. Overall, the sector mix supports diversification while still giving a clear role to higher‑growth parts of the market.
Regions
- North America 81%
- Europe Developed 7%
- Asia Developed 3%
- Japan 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 81% of the portfolio is in North America, with the rest spread across developed Europe and Asia, Japan, and smaller allocations to emerging regions and other areas. This creates a clear home‑country tilt toward the US relative to global stock market value, where the US is a big share but not quite this dominant. The upside is strong exposure to one of the most dynamic and historically successful equity markets. The trade‑off is that portfolio results are heavily tied to the US economy, politics, and currency. The smaller but still meaningful allocations to Europe, Japan, and emerging markets provide some diversification, so non‑US developments still have a visible, though secondary, impact on performance.
Market capitalization
- Mega-cap 36%
- Large-cap 26%
- Mid-cap 16%
- Small-cap 12%
- Micro-cap 9%
The market‑cap breakdown shows 36% in mega‑cap companies and 26% in large caps, with the rest spread across mid (16%), small (12%), and micro caps (9%). That’s broader and “deeper” than many simple large‑cap‑only portfolios, because smaller companies get a noticeable slice rather than being an afterthought. Larger firms typically dominate index behavior and can be more stable due to diversified businesses and stronger balance sheets. Smaller and micro‑cap stocks generally bring more volatility and company‑specific risk but also more room for growth and, historically, higher expected returns over long periods. This blend means the portfolio taps both the steadiness of giants and the potential extra kick from smaller names.
True holdings
-
NV NVIDIA Corporation 4.31%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 3.73%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.83%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.40%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.10%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.85%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.65%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.25%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.01%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
BR Berkshire Hathaway Inc 0.79%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 21.93%
Looking through the ETFs’ top‑10 holdings, big US names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Berkshire Hathaway appear prominently. Even though these positions don’t show up as individual stock picks, together they add up to meaningful exposure, with some companies appearing across multiple funds. Because only ETF top‑10s are used, this overlap is likely understated, but it still highlights a common theme: a strong link to large, influential US growth companies. Hidden concentration like this can matter in stressed markets, since when a few mega‑caps move sharply, they can sway the entire portfolio more than a broad‑brush fund label might suggest at first glance.
Factors
Factor exposure shows a notable tilt toward value at 61%, with most other factors sitting around neutral. Factors are like underlying “personality traits” of investments, such as value (cheaper stocks), size (smaller companies), and momentum (recent winners). A value tilt means the portfolio leans a bit more toward stocks trading at lower prices relative to fundamentals than the overall market. Historically, value has gone through long phases of both outperformance and underperformance versus growth, so this tilt can cause the portfolio to lag during strong growth‑stock booms and shine when investors rotate back toward cheaper companies. The neutral readings for size, momentum, quality, yield, and low volatility indicate a broadly market‑like stance in those areas.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 65.00% 64.6% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 18.5% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 16.9%
Risk contribution shows how much each ETF drives overall volatility, which can differ from its weight. The US total market fund is 65% of the portfolio and contributes about 64.6% of total risk, almost exactly proportional. The international fund holds 20% of assets but only about 16.9% of risk, suggesting it slightly dampens overall volatility thanks to diversification across regions and currencies. The small‑cap value ETF is 15% of the portfolio yet contributes roughly 18.5% of the risk, so each dollar in it adds more ups and downs than a dollar in the other funds. This is typical of smaller, value‑tilted stocks, which tend to swing more than broad large‑cap markets.
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 on or very near the efficient frontier. The efficient frontier is the curve showing the best expected return for each risk level using only the existing holdings in different weightings. The current mix has a Sharpe ratio of 0.61, compared with 0.78 for the mathematically optimal combination and 0.66 for the minimum‑risk mix. The Sharpe ratio measures return per unit of volatility, like miles per gallon for risk. Being essentially on the frontier means that, given these three ETFs, the portfolio is already using them in a generally efficient way, without obvious signs of wasted risk relative to what the model says is possible.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.60%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.60%
- Weighted yield (per year) 1.41%
The overall dividend yield of about 1.41% is modest but still a meaningful piece of total return. Dividend yield is the annual cash payout as a percentage of the current price, like rental income from a property. The international fund has the highest yield at 2.60%, the small‑cap value fund sits around 1.60%, and the US total market fund yields about 1.00%. That pattern is fairly typical: non‑US markets and value‑tilted strategies often pay more than broad US indices. In a portfolio like this, most long‑term growth is expected to come from price changes rather than income, but the dividend stream can still help smooth returns and provide a small cushion during flat markets.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- 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) 0.07%
The weighted ongoing fee, or total expense ratio (TER), is very low at about 0.07%. TER is the annual fund operating cost, expressed as a percentage of assets, similar to a management fee on a property. The broad Vanguard funds are particularly cheap at 0.03% and 0.05%, and even the more specialized small‑cap value ETF is modest at 0.25%. These costs are impressively low compared with many actively managed funds and even many index options. Keeping expenses down helps more of the portfolio’s gross return stay in the account, and the benefit compounds over time. This cost structure is a real strength and supports better long‑run outcomes, all else equal.
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