A balanced and broadly diversified portfolio with a focus on value and global exposure

Report created on Aug 24, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio showcases a strategic emphasis on diversification across both domestic and international equities, with a blend of large-cap, small-cap, and emerging market ETFs. The largest allocation is in the Vanguard Total Stock Market Index Fund ETF Shares, representing a broad exposure to the U.S. stock market. The significant investments in Avantis® ETFs, particularly in U.S. and international small-cap value stocks, suggest a tilt towards value investing. This composition aligns with a balanced risk profile, aiming to capture growth while mitigating volatility through global diversification.

Growth Info

Historically, the portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 11.06%, with a maximum drawdown of -24.51%. This performance, characterized by a relatively high CAGR in the context of its drawdown, indicates a strong risk-adjusted return. The days contributing to 90% of returns being limited to just 10 suggests that the portfolio's growth is concentrated in a few significant market movements, highlighting the importance of staying invested over the long term.

Projection Info

Monte Carlo simulations, using 1,000 iterations, project a wide range of outcomes with a median increase of 235.6%. While the 5th percentile shows minimal growth, the 67th percentile suggests potential substantial gains. This variance underscores the inherent uncertainties in market performance but also highlights the portfolio's capacity for significant growth. Remember, these projections rely on historical data, which does not guarantee future results.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio is nearly entirely invested in stocks (99%), with a minimal cash holding (1%). This asset class distribution supports a growth-oriented strategy but comes with higher volatility. The absence of bonds or other fixed-income securities means the portfolio may lack a buffer against stock market downturns. Investors should consider whether incorporating fixed-income assets could provide a more balanced risk-return profile, especially during market volatility.

Sectors Info

  • Financials
    20%
  • Technology
    18%
  • Industrials
    14%
  • Consumer Discretionary
    13%
  • Energy
    7%
  • Health Care
    7%
  • Basic Materials
    6%
  • Telecommunications
    6%
  • Consumer Staples
    5%
  • Real Estate
    2%
  • Utilities
    2%

The sector allocation is notably diversified, with financial services and technology leading at 20% and 18%, respectively. This is followed by industrials, consumer cyclicals, and a spread across energy, healthcare, and more. This sector spread is conducive to capturing growth across different economic cycles. However, the significant weight in technology and financial services sectors might expose the portfolio to sector-specific risks, such as regulatory changes or economic downturns.

Regions Info

  • North America
    65%
  • Europe Developed
    13%
  • Japan
    7%
  • Asia Emerging
    6%
  • Asia Developed
    4%
  • Australasia
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%

Geographic diversification is evident, with 65% allocated to North America and substantial positions in developed Europe, Japan, and emerging markets. This global exposure enhances the portfolio's growth potential and diversification but also introduces geopolitical and currency risks. The under-representation in Latin America and Europe Emerging markets suggests potential areas for further diversification.

Market capitalization Info

  • Mega-cap
    26%
  • Large-cap
    20%
  • Small-cap
    19%
  • Mid-cap
    18%
  • Micro-cap
    14%

The market capitalization breakdown shows a balanced approach, with allocations across mega, big, small, medium, and micro caps. This variety supports diversification and potential for growth, as small and micro-cap investments can offer higher growth potential but with increased risk. The balanced inclusion of large-cap stocks provides stability, making the portfolio well-positioned to weather different market conditions.

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.

Considering the Efficient Frontier, this portfolio seems to strike a balance between risk and return, suggesting an optimized allocation for the given assets. However, continuous evaluation is necessary to ensure that the portfolio remains on the optimal path as market conditions evolve. Adjustments to the allocation might be required to maintain an efficient risk-return profile, especially with changing economic landscapes and investment goals.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.60%
  • Avantis® Emerging Markets Value ETF 3.90%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 2.03%

The portfolio's dividend yield stands at 2.03%, with the highest yields from the Avantis® Emerging Markets Value ETF and Avantis® International Small Cap Value ETF. This yield contributes to the portfolio's total return and provides a passive income stream, which can be particularly valuable during market downturns or for investors seeking income. The varied yield across different ETFs reflects the balance between growth potential and income generation.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® Emerging Markets Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • 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) 0.14%

The portfolio's total expense ratio (TER) is impressively low at 0.14%, which is beneficial for long-term growth as lower costs translate to higher net returns. The Vanguard ETFs, known for their low costs, anchor the portfolio's cost efficiency. However, the slightly higher costs of the Avantis® ETFs are justified by their specialized investment strategies, aiming for value in small-cap and emerging markets. Investors should continue to monitor costs, ensuring they remain competitive and aligned with investment objectives.

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