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Quietly aggressive index nerd with a small cap value obsession hiding under a sensible veneer

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

This portfolio is like a plain burger with three different kinds of pickles: looks simple, but the toppings are oddly specific. Under the hood it’s 100% stocks, tilted hard toward small-cap value and “quality” on top of broad US and international index funds. So yes, it screams Growth Investor, but with a quant-blog addiction. The structure is clean, but there’s a lot of overlap between the broad funds and the factor funds, which means complexity without that much extra diversification. Takeaway: the bones are strong, but you’ve layered factor spice onto an already complete meal, so you’re paying in volatility for tweaks that could have been subtler.

Growth Info

Historically, this thing turned $1,000 into about $2,080, with a 13.29% CAGR. CAGR is just your average yearly speed over the whole trip, potholes included. You lagged the US market’s 14.38% but beat the global market’s 11.92%. Translation: you did well, but a boring US index beat you while you were trying to be clever with factors and small caps. Max drawdown at -37.03% vs around -34% for the benchmarks shows you ate slightly more pain on the way down, for less gain vs US. Past data is yesterday’s weather: useful pattern, not a prophecy. The performance is solid, but the “smart tweaks” haven’t obviously paid off yet.

Asset classes Info

  • Stocks
    100%

Asset class breakdown: 100% stocks, 0% anything else. Subtlety is dead. No bonds, no diversifiers, just pure equity roller coaster. For a growth-oriented setup, that can make sense, but it also means when markets tank, you are fully chained to the front car screaming with your hands up. No shock absorbers, no backup plan, just vibes and volatility. Takeaway: this is a portfolio for someone who treats downturns as shopping seasons, not existential threats. If that’s not the emotional reality, some risk-buffering asset classes would stop this from behaving like an “all gas, no brakes” experiment.

Sectors Info

  • Technology
    20%
  • Financials
    17%
  • Industrials
    15%
  • Consumer Discretionary
    11%
  • Health Care
    9%
  • Basic Materials
    6%
  • Telecommunications
    6%
  • Consumer Staples
    6%
  • Energy
    4%
  • Real Estate
    3%
  • Utilities
    3%

Sector mix looks almost eerily normal: tech at 20%, financials 17%, industrials 15%, then consumer stuff, health care, and the rest. Nothing wildly deranged, just a gentle tech tilt with some cyclical flavor. The joke here is that for a factor-heavy, small-cap-leaning setup, you still basically ended up with something that rhymes with a broad market index sector-wise. So while you’re playing 4D chess with value and quality screens, the sector story is “I own a little bit of everything, like everyone else.” Takeaway: sector risk is pretty sane; the weirdness in this portfolio is more about size and factors than about industry bets.

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%

Geography-wise, this screams “I live in the US and read enough blogs to feel guilty about it.” Roughly 66% in North America and 34% scattered across the rest of the world: Europe, Japan, Asia, and tiny slices of everywhere else. So yes, it’s US-heavy, but not cartoonishly “America or bust.” For a growth portfolio, this is actually fairly reasonable: home bias, but at least you remembered other continents exist. The roast: you went global, but in a way that still treats the US as main character energy. Takeaway: the international slice is big enough to matter but not big enough to save you if US stocks have a rough decade.

Market capitalization Info

  • Mega-cap
    28%
  • Mid-cap
    25%
  • Large-cap
    23%
  • Small-cap
    18%
  • Micro-cap
    5%

Market cap spread is where your inner nerd shows: 28% mega, 23% large, 25% mid, 18% small, 5% micro. You’ve basically turned the dial to “own everything but give the weird little guys a louder microphone.” That’s a deliberate shove toward smaller companies, which historically can mean higher returns… and higher chaos. This isn’t the gentle large-cap comfort blanket most people hide in. It’s more like mixing blue-chips with bar-brawl stocks and calling it “diversified.” Takeaway: if you’re going to tilt this hard toward smaller caps, you’d better actually like volatility and be ready to sit through long stretches where they underperform without freaking out.

True holdings Info

  • Apple Inc
    2.27%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard U.S. Quality Factor
  • NVIDIA Corporation
    2.16%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    1.54%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    1.07%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    0.96%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.92%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Broadcom Inc
    0.80%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    0.76%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    0.75%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    0.60%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 11.83%

The look-through holdings scream “I love index funds but I also love pretending I don’t.” Apple, NVIDIA, Microsoft, Amazon, Alphabet, Meta, Tesla — the usual megacap tech royalty — all show up via multiple ETFs. That’s not diversification; that’s just owning the same celebrities through different fan clubs. And remember, this is only the top 10 of each ETF, so real overlap is definitely higher. Hidden concentration means when the big US names sneeze, your whole portfolio catches a cold. Takeaway: if the idea was to be different from the crowd, you’ve mostly rebuilt the crowd with extra steps and more small-cap seasoning.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 25%
Size
Exposure to smaller companies
Very high
Data availability: 73%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Very high
Data availability: 13%
Yield
Preference for dividend-paying stocks
No data
Data availability: 0%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Your factor profile is shouting: Value 85%, Size 85%, Quality 85%, plus moderate Momentum and Low Vol. Factors are the hidden ingredients that explain why your returns behave the way they do — value, small size, quality, etc. You basically took “academic factor research” and said, “Yes, all of it, dump it in.” Leaning hard into value and size while also cranking quality is ambitious: you want cheap, smaller, but still fundamentally solid stocks. That’s like trying to date only underpriced geniuses. Nice idea, messy execution when markets fall in love with expensive glamour instead. Takeaway: this portfolio will shine if value and small caps finally have their long-awaited comeback party… and sulk when mega-cap growth is in charge.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 35.00%
    35.4%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 27.00%
    24.1%
  • Vanguard Small-Cap Value Index Fund ETF Shares
    Weight: 15.00%
    17.7%
  • Vanguard U.S. Quality Factor
    Weight: 13.00%
    14.0%
  • Avantis® International Small Cap Value ETF
    Weight: 10.00%
    8.9%

Risk contribution shows which holdings are actually shaking the portfolio, not just sitting there looking important. Unsurprisingly, your 35% US total market position contributes about 35.4% of risk — it’s doing exactly what it says on the tin. The international total market at 27% weight contributes 24.1% of risk, and small-cap value at 15% weight contributes a punchy 17.7%. Your top three positions drive over 77% of total risk, meaning all the fancy factors are still mostly riding on those broad blobs. Takeaway: if volatility ever feels too spicy, trimming or resizing those core funds is the lever, not obsessing over the smaller satellite slices.

Redundant positions Info

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

Correlation is how similarly two holdings move — like how often your friends all cancel on you on the same night. Here, Vanguard Small-Cap Value and Vanguard U.S. Quality Factor are highly correlated, which means they often dance in the same direction. So while they sound very different on paper (“value” vs “quality”), in practice you’ve doubled up on a similar chunk of the market. That limits the diversification benefit you think you’re getting from layering fancy-sounding ETFs. Takeaway: adding funds that look smart but move together is just portfolio cosplay — it looks complex, but it doesn’t smooth the ride much.

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, your current portfolio is like showing up to a race with your shoelaces half tied. You’re running at 19.8% volatility with a 13.41% expected return and Sharpe of 0.58. The optimal mix of the same holdings — no new toys, just smarter weights — gets about 15.24% return with slightly *lower* risk and a Sharpe of 0.75. Even at the same risk level, you could be around 15.30% return instead of 13.41%. That’s a classic case of being below the efficient frontier: leaving free performance on the table. Takeaway: the ingredients are good; the recipe is just suboptimal. Reweighting alone could meaningfully sharpen your risk–reward tradeoff.

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) 1.98%

Total yield sits around 1.98%, which is… fine. Not embarrassing, not exciting. Some of the international and small-cap value pieces are doing a bit more heavy lifting on income, but overall this is a growth engine, not a paycheck machine. If the plan was to live off your dividends, this setup would have you clipping coupons with a magnifying glass. On the flip side, the lower yield leaves more room for companies to reinvest and (hopefully) grow. Takeaway: this is an appreciation-first, income-second portfolio. Any income is more of a side effect than a design feature.

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%

Fees are hilariously low. A total TER of about 0.09% is “did you bribe Vanguard?” cheap. You’ve stacked mostly low-cost index and factor ETFs, and even the “expensive” one at 0.36% is still reasonable for a niche slice. There’s really nothing to roast here except that you clearly know how to scroll past the flashy, overpriced stuff. Takeaway: costs are one of the few things you can control, and here you’ve absolutely nailed it. You basically set the fee dial to “minimal damage” and walked away.

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