Growth focused global equity mix with strong small value tilt and efficient risk allocation
Report created on Mar 26, 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 35.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 20.00% -
VB Vanguard Small-Cap Value Index Fund ETF Shares
VBR - US9229086114 18.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 15.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 12.00%
This is a pure stock portfolio, with 99% in equities and no meaningful allocation to bonds or cash. The core is a 35% position in a broad large US index, supported by 15% in US large growth, 18% in US small value, 20% in international small value, and 12% in broad international stocks. That blend creates a classic “barbell” between big growth names and smaller, cheaper companies worldwide. A 5-out-of-7 risk score fits this growth profile. For someone comfortable with sizeable ups and downs, this structure targets high long-term growth. Anyone needing smoother returns or near-term spending money would usually look to mix in more defensive assets outside this equity sleeve.
Growth
Since late 2019, a hypothetical $1,000 here grew to about $2,340, a compound annual growth rate (CAGR) of 15.16%. CAGR is like your average speed on a road trip, smoothing out all the bumps. That slightly beats the US market’s 14.71% and clearly tops the global market’s 12.30%, which is a strong result. The tradeoff is a max drawdown of about -36.7%, a bit worse than the benchmarks’ roughly -33% drops. Also, 90% of returns came from only 20 days, showing how missing a handful of big up days can severely hurt results. Past performance is no guarantee, but this history shows a high-growth, high-commitment strategy.
Projection
The Monte Carlo projection uses the portfolio’s historical returns and volatility to simulate 1,000 possible paths over the next 10 years. Think of it as replaying markets with the same “weather patterns” but different sequences. The median outcome is a roughly 495% total gain, while the pessimistic 5th percentile still shows a positive 62% over a decade. About 984 of 1,000 paths ended up positive, and the average simulated annual return is 15.88%. These numbers highlight strong growth potential but also a wide range of outcomes. Simulations depend heavily on past patterns; if future markets behave differently, actual results could be much better or worse than these paths suggest.
Asset classes
- Stocks 99%
With 99% in stocks and effectively zero in bonds or cash, the asset-class mix is deliberately aggressive. Equities historically offer higher long-term returns but come with larger drawdowns, as seen in the -36% max drop. Compared with a more balanced stock-bond blend, this structure prioritizes growth over stability. For someone with a long horizon and steady income, that can be reasonable, but it means relying on external cash buffers for emergencies or near-term needs. The upside is simplicity and clear exposure to global business growth. The tradeoff is that there’s no in-portfolio “shock absorber” when markets fall, so emotional discipline and time horizon matter a lot.
Sectors
- Technology 23%
- Industrials 14%
- Financials 14%
- Consumer Discretionary 12%
- Health Care 8%
- Telecommunications 8%
- Basic Materials 7%
- Energy 5%
- Consumer Staples 4%
- Real Estate 3%
- Utilities 3%
Sector exposure is nicely spread: about 23% in technology, then meaningful allocations to industrials, financials, consumer cyclicals, healthcare, communication services, basic materials, energy, consumer defensive, real estate, and utilities. This broad coverage looks very similar to common global benchmarks, which is a strong indicator of healthy diversification. A tech tilt is present but not extreme, especially given today’s index weights. This balance helps avoid over-reliance on any single economic story, like only growth or only defensives. During rate hikes or tech downturns, the presence of industrials, financials, cyclicals, and defensives can soften sector-specific shocks, even though the overall portfolio remains equity-volatile.
Regions
- North America 71%
- Europe Developed 12%
- Japan 8%
- Australasia 2%
- Asia Developed 2%
- Asia Emerging 2%
- Africa/Middle East 2%
Geographically, about 71% sits in North America, with the rest split across developed Europe, Japan, Australasia, and smaller slices in developed and emerging Asia plus Africa/Middle East. That 70%+ US tilt is a bit higher than many global benchmarks but still within a common “home bias” range for US-based investors. This has helped recently because US markets have outperformed many regions. The tradeoff is that major US-specific shocks—policy, regulation, or a long period of underperformance—would hit the portfolio harder than a more evenly global mix. The intentional international slice, especially in small caps and broad exposure, does add useful diversification against purely domestic risk.
Market capitalization
- Mega-cap 31%
- Mid-cap 27%
- Large-cap 20%
- Small-cap 18%
- Micro-cap 3%
Market cap exposure is well spread: roughly 31% mega-cap, 20% big (large), 27% mid, 18% small, and 3% micro. That’s a much heavier allocation to smaller companies than a typical market-weighted global index, which is usually dominated by mega and large caps. Smaller companies often have higher growth potential and stronger value exposure, but they can be more volatile and sensitive to economic cycles. This size mix aligns with a factor-oriented strategy rather than plain indexing. Over long horizons, tilts toward smaller stocks have historically been rewarded at times, but they also tend to lag during stress or flight-to-quality periods, so patience is required.
True holdings
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NV NVIDIA Corporation 4.29%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
AA Apple Inc 3.82%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
MS Microsoft Corporation 2.89%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
AM Amazon.com Inc 2.05%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.79%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
AV Broadcom Inc 1.52%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.43%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.39%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
TS Tesla Inc 1.24%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
LL Eli Lilly and Company 0.92%
Part of fund(s):- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 21.33%
Looking through the ETFs, the largest underlying exposures are the usual mega-cap leaders: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Eli Lilly. These positions appear across multiple funds, especially the broad US and large-cap growth holdings, creating hidden concentration even though each ETF looks diversified alone. Because only top-10 ETF holdings are captured, true overlap is likely a bit higher than reported. This isn’t inherently bad: these are globally dominant franchises that have driven much of recent market gains. The key takeaway is being aware that a shock to mega-cap growth would echo across several positions simultaneously, amplifying swings more than the ticker list might suggest.
Factors
Factor exposure shows strong tilts to value (68%), size (66.6% toward smaller companies), and low volatility (59.4%), with moderate momentum. Factors are like the underlying “traits” that drive returns, such as cheap vs. expensive, large vs. small, or stable vs. volatile. Here, the blend of small and value from the US and international side dominates, while quality and yield play a supporting role. This profile can shine when cheaper, smaller stocks rebound or when markets favor steadier names. It can lag during narrow mega-cap growth rallies or intense speculative periods. The factor mix is thoughtfully tilted away from pure market-cap weighting, which is a deliberate and often research-backed approach.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 35.00% 34.7% -
Vanguard Small-Cap Value Index Fund ETF Shares
Weight: 18.00% 20.5% -
Avantis® International Small Cap Value ETF
Weight: 20.00% 17.6% -
Schwab U.S. Large-Cap Growth ETF
Weight: 15.00% 16.8% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 12.00% 10.5%
Risk contribution shows how much each holding adds to total portfolio volatility, which can differ from its weight. For example, Vanguard Small-Cap Value is 18% of the portfolio but contributes about 20.5% of overall risk, giving it a risk-to-weight ratio of 1.14. Schwab US Large-Cap Growth, at 15% weight, contributes 16.8% of risk, also slightly elevated. Meanwhile, international small value and broad international contribute a bit less risk than their weights. The top three positions drive about 72.7% of total risk, which is normal for a five-fund portfolio but still worth noting. Adjusting position sizes over time can help keep any one sleeve from dominating the ride more than intended.
Redundant positions
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High correlationVanguard S&P 500 ETFSchwab U.S. Large-Cap Growth ETF
The broad US ETF and the US large-cap growth ETF are highly correlated, meaning they tend to move up and down together. Correlation is simply how similar the return patterns are, from -1 (opposites) to +1 (move in lockstep). High correlation doesn’t mean something is bad; it just limits diversification benefits. In this case, both funds lean into many of the same mega-cap growth names, so a tech-led selloff would hit both at once. The international and small value funds help diversify this somewhat, but reducing overlapping roles—or clarifying their distinct purpose—can further sharpen the portfolio’s risk/return balance without changing overall risk appetite.
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 sits on the efficient frontier, meaning it’s using its existing ingredients in a mathematically efficient way for its risk level. The Sharpe ratio—return per unit of risk—is 0.67, solid but below the optimal mix of these same funds, which reaches 0.81 with slightly higher expected return and similar risk. There’s also a same-risk optimized allocation with higher expected return but more volatility. The big message: the current setup is already efficient, not wasteful, which is a strong positive. Fine-tuning weights among the five ETFs could, in theory, squeeze out better risk-adjusted returns without adding anything new, if that aligns with comfort and preferences.
Dividends
- Avantis® International Small Cap Value ETF 3.00%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard Small-Cap Value Index Fund ETF Shares 1.90%
- Vanguard S&P 500 ETF 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- Weighted yield (per year) 1.78%
The total dividend yield is about 1.78%, with higher payouts from the international small value and broad international funds (around 3%) and lower from the US growth sleeve (about 0.4%). Dividends are the cash distributions companies pay from profits, and over long periods they can meaningfully boost total returns, especially if reinvested. This yield level fits a growth-oriented equity portfolio: some income, but clearly not an income-focused strategy. For someone prioritizing capital appreciation, that’s perfectly aligned. Those needing higher cash flow would typically supplement with bond funds or higher-yielding equities elsewhere, rather than expecting this mix to cover substantial ongoing spending.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.11%
The overall cost (TER) of roughly 0.11% per year is impressively low for such a factor-tilted, globally diversified equity mix. Individual fund fees range from 0.03% to 0.36%, with the priciest sleeve being the specialized international small value ETF, which is normal for that niche. Costs may seem small, but over decades, every 0.10% saved compounds into real money. This expense level is well below many active strategies and even some other ETF blends, supporting better long-term outcomes. Keeping expenses this tight means more of the portfolio’s return stays in your pocket, especially when combined with a buy-and-hold mindset that avoids excessive trading costs and taxes.
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