Growth oriented equity mix with strong small cap value tilt and broad global diversification
Report created on Apr 27, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 25.00% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 25.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 20.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 20.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10.00%
This portfolio is built entirely from equity ETFs, with no bonds or cash in the mix. Two US-focused funds split 50% between broad large caps and growth names, while 45% is in value-tilted small caps split between US and international. A final 10% sits in a broad international index ETF. That means the structure leans clearly toward growth and small-cap value rather than a plain market-weighted basket. Having multiple styles and regions represented helps spread risk compared with a single-fund approach. Overall, this is a focused stock-only portfolio that aims squarely at long-term growth, accepting higher ups and downs along the way.
Growth
Over the period from late 2019 to April 2026, $1,000 grew to about $2,655, which is a compound annual growth rate (CAGR) of 16.06%. CAGR is like average speed on a road trip — it smooths out all the bumps to show steady yearly progress. This slightly beat the US market benchmark at 15.85% and more clearly outpaced the global market at 13.32%. The trade-off was a deeper max drawdown of around -38% during early 2020, versus roughly -34% for the benchmarks. That pattern — a bit more pain in sharp selloffs, with better long-run growth — is typical for portfolios tilted to smaller and value-oriented companies.
Projection
The forward projection uses a Monte Carlo simulation, which basically means running the portfolio’s historical returns and volatility through 1,000 “what if” scenarios. Each path shuffles good and bad years in different sequences to show a range of possible futures. The median outcome over 15 years roughly doubles the starting $1,000 to about $2,659, with a fairly wide “likely” band from $1,740 to $4,125. There are also more extreme but less likely paths on both sides. This is a statistical picture, not a prediction: markets rarely repeat history exactly, so the results illustrate potential volatility and outcomes rather than any guarantee.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, so there’s no built-in cushion from bonds or cash-like assets. That’s why the risk classification leans toward the growth end of the spectrum. Being 100% equity can be powerful for long-term compounding, because stocks historically have offered higher returns than bonds, but it also means sharper drawdowns and more frequent swings along the way. Compared with a typical multi-asset mix that includes fixed income, this portfolio will likely move more closely with equity markets overall. The relatively high diversification score reflects variety within stocks, but it doesn’t change the core reality that this is an all-equity ride.
Sectors
- Technology 22%
- Financials 16%
- Consumer Discretionary 14%
- Industrials 13%
- Energy 8%
- Telecommunications 7%
- Basic Materials 7%
- Health Care 6%
- Consumer Staples 4%
- Utilities 1%
- Real Estate 1%
Sector exposure is quite spread out, with technology leading at 22% but not dominating. Financials, consumer discretionary, and industrials are all meaningful in the mid-teens, and there are smaller allocations to energy, telecoms, materials, health care, staples, utilities, and real estate. That kind of spread looks reasonably similar to broad equity benchmarks, where tech is often the largest slice but not the entire story. A tech-tilt can boost returns when innovation-driven companies are in favor, yet it may increase sensitivity to interest rates and growth expectations. The presence of cyclical and defensive sectors alongside tech suggests the portfolio can participate in different parts of the economic cycle rather than relying on one theme.
Regions
- North America 73%
- Europe Developed 11%
- Japan 8%
- Australasia 2%
- Asia Developed 2%
- Asia Emerging 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 73% of the portfolio is in North America, with the remaining portion diversified across developed and emerging regions. Europe, Japan, and Australasia together provide a notable developed-markets presence, while smaller slices reach Asia ex-Japan, Latin America, and Africa/Middle East. This is more US-tilted than a pure global market index, where the US usually sits closer to 60%. The upside is continued participation in US market leadership when it outperforms. The trade-off is that economic, political, or currency shocks in the US have a larger impact on the portfolio than they would in a more evenly spread global allocation.
Market capitalization
- Mega-cap 29%
- Small-cap 22%
- Mid-cap 20%
- Large-cap 17%
- Micro-cap 12%
The market cap mix balances mega-caps at 29% with a substantial 22% in small caps and 12% in micro caps, plus 37% in mid and large caps combined. That’s a noticeable lean toward smaller companies compared with broad indices, which are usually dominated by mega and large caps. Smaller firms often have higher growth potential but can be more volatile and sensitive to economic conditions. Meanwhile, the mega-cap slice provides some stability and tends to reflect well-known global brands. This blend means returns are not solely driven by the biggest household names, but also by thousands of lesser-known businesses that can move differently across market cycles.
True holdings
-
NV NVIDIA Corporation 4.29%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 3.65%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 2.75%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.14%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.72%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.64%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.38%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.29%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.15%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
LL Eli Lilly and Company 0.52%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Top 10 total 20.54%
Looking through the ETFs’ top holdings, there is clear concentration in a familiar group of large US technology and platform companies. Names like NVIDIA, Apple, Microsoft, Amazon, Alphabet (both share classes), Meta, Tesla, and Broadcom together make up a meaningful share of the visible exposure. These mostly appear via overlapping large-cap US funds, so the same company can influence the portfolio through multiple ETFs. Because only ETF top-10 lists are captured, actual overlap is likely somewhat higher than shown. This creates an underlying cluster of big growth names driving part of performance, even though small-cap value funds anchor a large portion of the overall allocation.
Factors
Factor exposure shows high tilts toward value and size, with scores of 63% and 61%, respectively, compared with a 50% “market average.” Factors are like investing ingredients — characteristics such as cheapness (value) or company size (small vs large) that research links to long-term return patterns. A strong value tilt means the portfolio leans toward stocks trading at lower valuations relative to fundamentals, which can help during periods when investors favor cheaper companies over high-priced growth. The high size exposure reflects heavier weighting in smaller companies, which historically have offered higher returns but with bumpier rides. The other factors — momentum, quality, yield, and low volatility — sit close to neutral, suggesting no big bets there.
Risk contribution
-
Avantis® U.S. Small Cap Value ETF
Weight: 25.00% 30.8% -
Vanguard S&P 500 ETF
Weight: 25.00% 23.3% -
Schwab U.S. Large-Cap Growth ETF
Weight: 20.00% 20.9% -
Avantis® International Small Cap Value ETF
Weight: 20.00% 16.8% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 10.00% 8.3%
Risk contribution looks at how much each ETF adds to overall volatility, which can differ from simple weights. Here, the US small-cap value ETF is 25% of the portfolio but contributes about 31% of total risk, showing it’s a key driver of swings. In contrast, the S&P 500 ETF is 25% weight and roughly 23% of risk, while the international funds each contribute slightly less risk than their weights. The top three positions together account for about 75% of total portfolio risk. That pattern is common in concentrated equity portfolios: a handful of holdings, especially more volatile ones, set most of the day-to-day experience even when other positions are present.
Redundant positions
-
High correlationSchwab U.S. Large-Cap Growth ETFVanguard S&P 500 ETF
Correlation measures how closely assets move together; a score near 1 means they tend to rise and fall in sync. The Schwab US Large-Cap Growth ETF and the Vanguard S&P 500 ETF are identified as highly correlated, which makes sense since both focus on US large-cap stocks with significant overlap in holdings. When two funds behave almost identically, they provide less diversification than their number suggests. This doesn’t make them “bad,” but it means they act more like a combined block than two independent levers. The international and small-cap value pieces, while not listed here, likely help reduce overall correlation by bringing in different businesses, sectors, and regions.
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 your current mix against the best possible risk/return combinations using only these ETFs. The current portfolio has a Sharpe ratio of 0.65, while the optimal mix reaches 0.86 at similar risk — Sharpe is a measure of return per unit of volatility, after adjusting for a 4% risk-free rate. Being around 1.4 percentage points below the frontier at the same risk level suggests the existing weights are not fully “efficient” in a mathematical sense. In plain terms, shuffling the percentages among these same funds could have delivered higher historical return for roughly the same level of ups and downs, without adding any new products.
Dividends
- Avantis® International Small Cap Value ETF 2.90%
- Avantis® U.S. Small Cap Value ETF 1.30%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.54%
The portfolio’s overall dividend yield sits around 1.54%, combining higher yields from the international and small-cap value funds with lower payouts from US growth and broad US equities. Dividends are the cash distributions companies pay from profits, and over long periods they can be a meaningful part of total return. Here, the yield is modest compared with some income-focused strategies, reflecting the growth and small-cap tilt. Many smaller or faster-growing companies reinvest more earnings instead of paying them out. That means returns are likely to be more driven by price movement than by regular cash income, which fits the growth-oriented character of this portfolio.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.16%
The weighted average total expense ratio (TER) is about 0.16%, which is low by equity ETF standards. TER is the ongoing annual fee built into each fund — you don’t see a bill, but the cost is taken directly from fund assets. Keeping costs down is helpful because fees compound in reverse, gradually shaving off returns over time. Using a mix of ultra-low-cost broad funds alongside somewhat pricier specialty small-cap value ETFs balances targeted exposure with efficiency. Overall, the fee level here is impressively lean and supports the portfolio’s long-term growth focus rather than dragging heavily on performance.
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!
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