Concentrated equity growth mix with strong US exposure and a deliberate small cap value tilt
Report created on Apr 9, 2026Risk 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
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VO Vanguard S&P 500 ETF
VOO - US9229083632 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%
The portfolio is built from three broad equity ETFs: a dominant core in a large‑cap US index fund, a sizable slice in global stocks outside the US, and a focused allocation to US small cap value. This is a straightforward, all‑stock, growth‑oriented structure with no bonds or cash buffers. That simplicity makes it easy to understand and maintain, but it also means the ride can be bumpy during market downturns. A setup like this typically fits investors who care more about long‑term growth than short‑term stability. Anyone using a mix like this usually wants to keep their emergency cash separate so they don’t feel forced to sell during big market drops.
Growth
From late 2019 to early 2026, $1,000 in this mix grew to about $2,319, with a compound annual growth rate (CAGR) of 13.82%. CAGR is like your average speed on a long road trip, smoothing out ups and downs. The max drawdown was about -35.7% during early 2020, slightly deeper than the US and global benchmarks. Performance lagged the US market by 0.8% per year but beat the global market by 1.56% per year, which is a solid result. The reliance on 18 key “good days” underscores how missing a few strong days can dramatically alter long‑term returns.
Projection
The Monte Carlo projection uses past returns and volatility to simulate 1,000 different 15‑year futures for this portfolio. Think of it as running the same movie with slightly different plot twists each time, based on historical patterns. The median outcome grows $1,000 to about $2,659, with a wide “likely” range from roughly $1,799 to $3,990. There’s also a meaningful chance of much lower or much higher results. The average simulated return of 7.95% per year is reasonable for an all‑equity mix, but it’s still just a model: it assumes future market behavior rhymes with the past, which may not hold during unusual economic or geopolitical shifts.
Asset classes
- Stocks 100%
All 100% of the portfolio sits in stocks, with no bonds, real estate funds, or cash‑like assets in the mix. Equities historically offer higher long‑term returns than bonds, but they also come with sharper drawdowns and more volatility along the way. Compared with more balanced portfolios that include fixed income, this structure is intentionally aggressive and growth‑focused. That can be attractive for long horizons but uncomfortable for shorter‑term spending needs. A key practical takeaway is that anyone using this kind of allocation usually relies on separate low‑risk savings for short‑term goals, so they aren’t forced to sell stocks during a steep but temporary market decline.
Sectors
- Technology 26%
- Financials 16%
- Consumer Discretionary 11%
- Industrials 11%
- Health Care 8%
- Telecommunications 8%
- Energy 6%
- Consumer Staples 5%
- Basic Materials 4%
- Utilities 2%
- Real Estate 2%
Sector exposure is reasonably broad: technology leads at 26%, followed by financials, consumer areas, industrials, and a mix of other sectors. Compared to common broad‑market benchmarks, this is tech‑tilted but not extreme, and other cyclical sectors are well represented. Tech‑heavier portfolios tend to shine in growth and innovation booms but can wobble when interest rates rise or when investors rotate toward more defensive areas. The presence of financials, industrials, energy, and staples provides some balance, which helps reduce the risk of any single economic theme dominating returns. Overall, the sector mix is well‑aligned with modern equity market standards and supports solid diversification.
Regions
- North America 81%
- Europe Developed 8%
- Japan 3%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 81% of exposure is in North America, with the remaining spread across developed Europe, Japan, developed Asia, emerging Asia, and smaller allocations to Australasia, Latin America, and Africa/Middle East. This means the portfolio leans heavily on one economy and currency, but still keeps a meaningful slice abroad. Relative to a fully global benchmark, the US weighting is somewhat higher, which has been rewarded in recent years as US stocks outperformed. The international allocation still adds valuable diversification, as different regions can lead or lag at different times. This balance between a US tilt and global breadth is a sensible, growth‑oriented structure.
Market capitalization
- Mega-cap 39%
- Large-cap 29%
- Mid-cap 15%
- Small-cap 9%
- Micro-cap 7%
By market cap, the portfolio is anchored in mega‑cap and large‑cap stocks (together about 68%), with the rest spread across mid‑cap, small‑cap, and some micro‑cap exposure. This reflects a core “market‑like” approach, enhanced by the deliberate small cap value ETF. Large companies generally provide more stability and liquidity, while smaller firms can be more volatile but potentially faster‑growing. Having around a quarter of the portfolio in mid/small/micro caps introduces extra return potential and diversification, since smaller companies often behave differently from the giants. This is a thoughtful mix: a very stable core backed up by a satellite allocation designed to capture a size premium over time.
True holdings
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NV NVIDIA Corporation 4.76%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc 4.32%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.22%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.26%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.00%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.67%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.60%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.56%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.25%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 1.02%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 23.65%
Looking through to the top underlying holdings, the largest exposures are familiar mega‑cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Meta. These companies appear mainly via the large US fund and to a lesser extent through the international allocation, creating some overlap and hidden concentration in a handful of mega‑cap growth stocks. Because only ETF top‑10 holdings are used, true overlap is almost certainly higher. This concentration isn’t inherently bad — these companies have driven a lot of market returns — but it does mean a significant share of performance is tied to how a small group of big tech‑related names behaves over time.
Factors
Factor exposure shows a clear tilt toward value at 61%, with other factors — size, momentum, quality, yield, and low volatility — hovering around neutral. In simple terms, value tilts favor stocks that are cheaper relative to fundamentals like earnings or book value. Research over decades suggests value stocks have, on average, earned higher returns, though they can lag for long stretches. The neutral readings elsewhere mean the portfolio broadly resembles the overall market on those dimensions, which keeps behavior familiar and avoids extreme style bets. The targeted value tilt is mainly coming from the small cap value ETF, adding a diversifying “ingredient” on top of an otherwise market‑like core.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 65.00% 64.4% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 18.6% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 17.0%
Risk contribution looks at how much each holding drives the portfolio’s overall ups and downs, which can differ from its simple weight. Here, the large US fund is 65% of the allocation and contributes about 64% of total risk — very proportional. The international fund is 20% of assets but only 17% of risk, showing it slightly dampens volatility relative to its size. The small cap value ETF is 15% of assets but roughly 19% of risk, meaning it punches above its weight in terms of volatility, as you’d expect from smaller, cheaper companies. That’s not a flaw; it just means this position is the main “spice” in the mix.
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 has a Sharpe ratio of 0.55, while the optimal mix of these same three ETFs reaches 0.73 with slightly higher return (16.0%) and similar risk. The Sharpe ratio measures return per unit of risk, like efficiency miles per gallon. The minimum variance mix offers lower risk but also lower return, with a Sharpe of 0.6. The key point: your existing allocation already sits on or very close to the efficient frontier, meaning it’s using these holdings in a very efficient way. Any tweaks would be about preference — a touch more growth or a touch more stability — rather than fixing a structural problem.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.40%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.48%
The overall dividend yield sits around 1.48%, with the highest income coming from international stocks and somewhat lower payouts from the US and small cap value sleeves. Dividend yield is just the cash income paid out each year as a percentage of the portfolio value. At this level, the strategy is clearly geared more toward capital growth than income. For an investor in an accumulation phase, this is usually fine — dividends are modest but still contribute a slice of total return. For someone seeking meaningful ongoing cash flow, this yield would likely feel low, and they’d normally pair it with higher‑income assets elsewhere in their broader finances.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.07%
The total expense ratio (TER) for the combined portfolio is a very low 0.07%, thanks to the ultra‑cheap core index funds and a reasonably priced small cap value ETF. TER is the annual fee the fund charges, expressed as a percentage of your investment — like a small “maintenance cost” deducted behind the scenes. This level of cost efficiency is excellent and aligns with best practices for long‑term investing. Over decades, saving even a few tenths of a percent per year can translate into thousands of extra dollars, because lower fees mean more of the market’s return stays in your pocket and compounds over time. This is a real strength of the setup.
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