Diversified global stock portfolio with balanced factors and moderate concentration in US and technology
Report created on Apr 27, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 50.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 10.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 10.00%
This portfolio is a five‑fund, 100% stock mix with a strong core-and-satellite structure. About half sits in a broad US total market fund, which acts as the main anchor. Another fifth is in a total international fund, giving wide coverage outside the US. Around 20% is tilted toward small-cap value stocks through two focused funds, and 10% targets large-cap growth. This mix blends broad market exposure with specific style tilts. Structurally, this is a straightforward equity portfolio, easy to understand and operate as a buy‑and‑hold strategy. The combination of broad funds and a few style satellites helps keep things diversified while still expressing clear tilts toward smaller, cheaper, and faster‑growing companies.
Growth
From late 2019 to April 2026, a hypothetical $1,000 in this portfolio grew to about $2,495. That works out to a Compound Annual Growth Rate (CAGR) of 14.97%, which is like averaging that growth rate every year over the full period. It slightly lagged the US market benchmark by 0.88 percentage points a year but beat the global market by 1.65 points. The worst peak‑to‑trough drop, or max drawdown, was about −35.9% during early 2020, a bit deeper than the benchmarks. This shows that while the portfolio has delivered strong long‑term growth, it has also experienced meaningful short‑term swings, which is typical for an all‑equity, growth‑oriented mix.
Projection
The forward projection uses a Monte Carlo simulation, which is a way of running thousands of “what if” market paths based on historical risk and return patterns. Here, 1,000 simulations of the next 15 years suggest a median outcome of about $2,629 from $1,000 invested, with a wide but informative range around that. The likely middle band (25th to 75th percentile) runs from roughly $1,754 to $4,221, while the broader 5th to 95th percentile spans $976 to $7,796. The average simulated return is about 8.02% per year. These numbers highlight the uncertainty around future outcomes: they are grounded in past behavior but cannot predict exact results, and actual markets can behave very differently from modeled histories.
Asset classes
- Stocks 100%
All of the portfolio is invested in stocks, with no allocation to bonds, cash, or alternative assets. Equities historically offer higher growth potential than safer assets, but they also come with larger and more frequent ups and downs. Having 100% in stocks leans fully into growth, without using bonds to dampen volatility or provide a cushion during market stress. Compared with more mixed stock‑bond portfolios, this structure tends to amplify both gains in strong markets and losses in downturns. The broad coverage across US and international equities does provide diversification within the stock universe, but the overall risk level remains squarely in the equity camp because no other asset classes are present.
Sectors
- Technology 25%
- Financials 15%
- Industrials 12%
- Consumer Discretionary 11%
- Health Care 8%
- Telecommunications 8%
- Energy 6%
- Basic Materials 5%
- Consumer Staples 5%
- Utilities 2%
- Real Estate 2%
Sector exposure is reasonably spread out, with technology the largest at 25%, followed by financials at 15% and industrials at 12%. Consumer‑focused areas, health care, telecom, energy, and materials all hold mid‑single‑digit to low‑double‑digit weights, while utilities and real estate are small at about 2% each. Compared with a typical global equity benchmark, this looks fairly aligned, though the tech share is notably influential. Tech‑heavy allocations can benefit when innovation and digital trends drive earnings, but they often react more sharply to changes in interest rates and investor sentiment. The presence of multiple cyclical and defensive sectors alongside tech helps smooth some of that, supporting a generally diversified sector picture.
Regions
- North America 72%
- Europe Developed 11%
- Japan 6%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 72% of the portfolio is in North America, with Europe developed at 11%, Japan at 6%, and the rest spread modestly across other regions. Compared with a global stock index, this represents a clear tilt toward the US and Canada, while still holding meaningful stakes in other developed and emerging markets. A strong North American focus has historically helped when US markets outperformed, but it also ties much of the portfolio’s fate to one main economy and currency. The non‑US exposures introduce different economic cycles, policy environments, and local industries, which can reduce the impact of region‑specific shocks and broaden the opportunity set beyond the domestic market.
Market capitalization
- Mega-cap 36%
- Large-cap 24%
- Mid-cap 20%
- Small-cap 13%
- Micro-cap 6%
By market capitalization, the portfolio leans toward larger companies but keeps a solid presence further down the size spectrum. Mega‑caps make up 36%, large‑caps 24%, and mid‑caps 20%, with small‑caps at 13% and micro‑caps at 6%. This is more size‑diversified than a typical cap‑weighted global index, largely because of the explicit small‑cap value funds. Larger firms usually bring greater stability and established business models, while smaller firms can be more volatile but also more sensitive to economic growth and innovation. This mix means performance will be influenced by both mega‑cap market leaders and a broad base of smaller companies, which can behave differently across market cycles.
True holdings
-
NV NVIDIA Corporation 4.40%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 3.95%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.95%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.22%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.82%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.66%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.45%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.36%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.17%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.69%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 21.66%
Looking through the ETFs’ top holdings, a handful of large US tech and growth names stand out. NVIDIA, Apple, and Microsoft together account for well over 10% of the portfolio’s covered slice, with Amazon, Alphabet, Meta, Tesla, Broadcom, and Taiwan Semiconductor adding further concentration at the top. Because these stocks appear in multiple funds, they create overlap that increases effective exposure compared with what the headline fund list suggests. It’s worth noting that coverage only includes ETF top‑10 holdings, so total overlap is likely higher. This structure means big moves in those mega‑cap leaders can have an outsized effect on overall returns, even though no single stock is held directly.
Factors
Factor exposure metrics show the portfolio is broadly neutral across the main academic factors: value, size, momentum, quality, low volatility, and yield all sit close to the 50% market‑like level. Factor exposure describes how much a portfolio leans into certain characteristics that research has linked to returns, like favoring cheaper stocks (value) or smaller firms (size). Despite explicit small‑cap value funds, the large core total‑market positions and a growth ETF pull the combined factor profile back toward the center. This balanced factor picture suggests the portfolio is likely to behave similarly to the broad market across different factor cycles, without strong bets on any single return driver.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 50.00% 50.6% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 17.4% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 12.2% -
Schwab U.S. Large-Cap Growth ETF
Weight: 10.00% 11.2% -
Avantis® International Small Cap Value ETF
Weight: 10.00% 8.6%
Risk contribution shows how much each holding drives overall ups and downs, which can differ from its weight. Here, the US total market fund is 50% of the portfolio but contributes about 50.6% of total risk, almost a one‑to‑one match. The two small‑cap value funds, each at 10% weight, together contribute around 20.8% of risk, slightly more than their combined size, reflecting their higher volatility. The international total fund and international small‑cap value fund add less risk than their weights alone might suggest. Overall, the top three positions drive just over 80% of the portfolio’s risk, underlining that most volatility is concentrated in the main core and one of the satellites.
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 compares the current portfolio with the efficient frontier, which shows the best expected return for each risk level using only these holdings. The current mix has a Sharpe ratio of 0.6, while the optimal combination of the same funds reaches 0.86 at slightly higher return and similar risk. The portfolio currently sits about 2.09 percentage points below the efficient frontier at its risk level, meaning that, in theory, a different weighting of these same ETFs could improve risk‑adjusted returns. Importantly, this analysis doesn’t require adding new investments; it’s purely about how the existing pieces are combined. Still, all such optimizations are based on historical data, which may not repeat.
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 Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.57%
The portfolio’s total dividend yield is about 1.57%, a modest income level consistent with a growth‑tilted equity mix. Dividend yield is the annual cash payout from holdings divided by their price, and it can be an important part of long‑term returns even when it looks small year by year. Here, the international small‑cap value and broad international funds provide higher yields around 2.8–2.9%, while the US growth ETF is very low at 0.4%, reflecting its focus on companies that tend to reinvest profits. This blend means the portfolio leans more toward capital growth than income, with dividends acting as a steady, but not dominant, return component over time.
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 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%
The weighted average ongoing cost (TER) for the portfolio sits at a low 0.09% per year. TER, or Total Expense Ratio, is like a management fee that quietly comes out of fund assets annually. Most of the allocation is in very low‑cost index ETFs from Vanguard and Schwab, with slightly higher fees on the specialized Avantis small‑cap value funds. These targeted funds still represent a modest cost overall because they’re only 20% of the portfolio. Over long horizons, keeping costs this low leaves more of the portfolio’s gross returns in investors’ pockets, and this cost profile compares very favorably with typical active funds and many blended portfolios. It’s a clear structural strength.
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