Growth focused US tilted equity portfolio with a clear value bias and moderate diversification
Report created on May 4, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 58.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 12.00% -
VT Vanguard Value Index Fund ETF Shares
VTV - US9229087443 10.00% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 5.00%
This portfolio is a straightforward all‑equity mix with five low‑cost ETFs. The largest piece is a broad US large‑cap fund, supported by a dedicated US small‑cap value fund and a separate US value fund. There is also a global ex‑US equity ETF plus a focused technology ETF. So most of the risk comes from US stocks, with a side tilt toward smaller and cheaper companies, and a small satellite in tech. Structurally, this is a classic “core and satellites” setup: a large diversified core holding, then smaller targeted positions around it. That helps keep things understandable while still adding some specific tilts that make the portfolio behave differently from a plain broad‑market index.
Growth
Over the period shown, $1,000 grew to about $2,573, which is a compound annual growth rate (CAGR) of 15.47%. CAGR is like your average speed on a long road trip, smoothing out all the bumps. The portfolio slightly trailed the US market benchmark by 0.41% per year, but it beat the global market by 2.19% per year. The worst peak‑to‑trough fall (max drawdown) was about ‑35.8%, a bit deeper than the benchmarks’ drawdowns. That drop took around five months to recover. This pattern is consistent with an all‑stock, growth‑oriented approach: strong long‑term growth, but meaningful temporary declines along the way.
Projection
The forward projection uses Monte Carlo simulation, which basically “replays” many different market paths using historical patterns plus randomness. Think of it as rolling the dice 1,000 times to see many plausible futures, not to predict a single one. The median 15‑year outcome of $2,800 suggests growth, while the wide range from about $1,006 to $7,987 shows how uncertain the path can be. The average simulated annual return of 8.32% is lower than past returns, which is typical when models bake in more conservative assumptions. As always, these are scenario ranges, not promises: real‑world returns can fall outside them.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with 0% in bonds, cash, or alternatives. That makes the asset class mix very simple but also means returns fully ride the equity market’s ups and downs. When all assets are in one class, diversification comes more from what types of stocks are held rather than from mixing stocks with bonds. Equity‑only portfolios typically show higher long‑term growth potential but also more pronounced short‑term swings. Relative to many broad benchmarks that mix in other asset classes, this portfolio takes a more growth‑oriented stance, which lines up with its “Growth” risk classification.
Sectors
- Technology 28%
- Financials 16%
- Industrials 10%
- Consumer Discretionary 10%
- Health Care 9%
- Telecommunications 7%
- Energy 7%
- Consumer Staples 5%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector‑wise, technology stands out at about 28% of the portfolio, above what many broad global benchmarks hold. Financials, industrials, and consumer‑related sectors then provide solid secondary exposure, while areas like utilities and real estate are smaller slices. A tech‑tilted portfolio often benefits when innovation and growth companies lead the market but can feel sharper drops during periods of rising interest rates or when growth stocks fall out of favor. The rest of the sector mix is reasonably spread out, which helps avoid putting everything on a single theme even though tech is clearly a meaningful driver of behavior.
Regions
- North America 88%
- Europe Developed 5%
- Japan 2%
- Asia Emerging 2%
- Asia Developed 2%
- Australasia 1%
- Latin America 1%
Geographically, roughly 88% of the portfolio is in North America, with modest exposure to Europe, Japan, and other regions. This is a clear home‑country tilt compared with global market weights, where the US is a large share but not this dominant. A strong US focus has worked very well over the last decade, which helps explain the solid historical numbers. The trade‑off is that portfolio fortunes are tied mainly to one economy, currency, and policy environment. The international slice does add some diversification, but overall this is more of a US‑centric portfolio than a fully global one.
Market capitalization
- Mega-cap 36%
- Large-cap 31%
- Mid-cap 16%
- Small-cap 9%
- Micro-cap 7%
By market capitalization, the portfolio leans toward larger companies: about two‑thirds is in mega‑ and large‑caps, with meaningful exposure to mid‑caps and a notable 16% combined in small and micro‑caps. Market cap is basically company size on the stock market. Big companies are often more stable and well‑researched, while smaller ones can be more volatile but sometimes offer higher growth potential. This blend means the portfolio captures the broad movements of large established firms while still leaving room for smaller companies to influence returns and risk, especially through the dedicated small‑cap value position.
True holdings
-
NV NVIDIA Corporation 5.32%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AA Apple Inc 4.66%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.36%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.11%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.74%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.73%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.39%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.30%
Part of fund(s):- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 1.22%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard Value Index Fund ETF Shares
-
TS Tesla Inc 1.08%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Top 10 total 23.92%
Looking through the ETFs’ top holdings, the largest underlying exposures are familiar mega‑cap names like NVIDIA, Apple, Microsoft, Amazon, and Alphabet, plus big players like Broadcom, Meta, Berkshire Hathaway, and Tesla. Several of these appear across multiple ETFs, which creates overlap and boosts their effective influence. For example, NVIDIA and Apple each exceed 4% of total exposure from the partial data alone. Because only ETF top‑10 holdings are used, real overlap is likely higher. This means a handful of large growth companies play a meaningful role in performance even though the headline strategy has a clear value and small‑cap tilt.
Factors
Factor exposure shows a notable tilt toward value, at 61%. Factors are like investing “ingredients” such as value, size, or momentum that research links to long‑term returns. A value tilt means more exposure to stocks trading cheaply relative to fundamentals like earnings or book value. Historically, value stocks have had periods of both strong catch‑ups and long stretches of lagging growth stocks. The other factors—size, momentum, quality, yield, and low volatility—sit close to neutral, so they behave more like the broad market. Overall, this portfolio is primarily differentiated by its value orientation rather than extreme tilts in other dimensions.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 58.00% 57.0% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 18.4% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 12.00% 10.0% -
Vanguard Value Index Fund ETF Shares
Weight: 10.00% 8.6% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 5.00% 6.0%
Risk contribution looks at how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. The S&P 500 ETF is 58% of the portfolio and contributes about 57% of total risk, closely in line with its size. The small‑cap value ETF and the tech ETF punch above their weight, each contributing more risk than their percentage allocation suggests, which is common for more volatile segments. The top three holdings together account for around 85% of total portfolio risk. That concentration means changes in those funds tend to dominate day‑to‑day portfolio movements.
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‑return chart shows the current portfolio with a Sharpe ratio of 0.62, compared with 0.87 for the “optimal” mix and 0.65 for the minimum‑variance mix. The Sharpe ratio is a way to compare return per unit of risk, after accounting for a risk‑free rate—higher is better. Being about 1.08 percentage points below the efficient frontier at the same risk level means that, with these same ETFs, a different weighting could potentially deliver a more attractive risk/return balance. Still, the current mix already sits reasonably close to the frontier, which indicates a generally efficient structure rather than something wildly off balance.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Vanguard Information Technology Index Fund ETF Shares 0.40%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Value Index Fund ETF Shares 1.90%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.38%
The overall dividend yield of the portfolio is about 1.38%, with the highest yield coming from the international and US value ETFs, and the lowest from the tech ETF. Dividend yield is the annual cash payout relative to price—like rent from owning shares. In an all‑equity, growth‑oriented portfolio, a lower yield is common, since many companies reinvest profits instead of paying them out. Here, dividends offer a modest contribution to total return, with most of the historical growth coming from price appreciation. For someone tracking income, it’s helpful to see which parts are pulling more of the dividend weight.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Value Index Fund ETF Shares 0.04%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.07%
The portfolio’s weighted total expense ratio (TER) is about 0.07%, which is very low by industry standards. TER is the annual fee the funds charge, taken directly out of fund assets, similar to a small management fee. Keeping costs low is powerful because fees compound in reverse over time, quietly eating into returns. Here, the largest position sits in an ultra‑low‑cost ETF, and even the highest‑fee holding remains modest. This cost profile is well‑aligned with best practices for long‑term investing and gives more of the portfolio’s gross returns a chance to stay in the account rather than going to fund providers.
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