Concentrated value nerd energy hiding inside a surprisingly grown up global stock portfolio
Report created on May 14, 2026Risk profile
5/7
Diversification profile
4/5
Positions
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AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 70.35% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 29.65%
This portfolio is the definition of “I found two funds I like and just slammed the sliders.” About 70% is jammed into one international small-cap value ETF and the remaining 30% is the broad US stock market. That’s it. Structurally, it’s brutally simple but also slightly lopsided: one highly specialized fund dominating one ultra-plain vanilla core. It looks less like a carefully engineered mix and more like someone bolted a turbocharger onto a Toyota Camry. The end result is a portfolio that pretends to be broadly diversified, but under the hood most of the personality and weirdness flows from a single niche holding.
Growth
Historically this thing has actually done real work: turning $1,000 into $2,664 since late 2019 with a 15.99% CAGR. That’s just a hair behind the US market’s 16.28%, but comfortably ahead of the global market’s 13.74%. The price of that performance was a face-plant max drawdown of almost -40% during early 2020, worse than both benchmarks. CAGR is just your average yearly speed; max drawdown is how bad the worst crash felt. Here, returns are competitive, but the crash experience was definitely “full roller coaster,” not “gentle dip.”
Projection
The Monte Carlo projection basically says, “Expect decent, but don’t get cocky.” Monte Carlo is just a fancy way of running thousands of what-if market paths to see how often things go well or badly. The median outcome turns $1,000 into about $2,815 in 15 years, with plenty of noise: from under $1,000 in ugly worlds to north of $8,000 in lucky ones. Only about 72% of simulations end positive, which is fine but hardly a slam dunk. It’s a reminder that even historically strong portfolios can still deliver long, boring or painful stretches in the future.
Asset classes
- Stocks 100%
Asset classes here are… singular. This is 100% stocks, no bonds, no cash buffer, no diversifiers — just pure equity exposure. That’s like building a diet strictly out of espresso shots: efficient, sure, but don’t act surprised when the ride gets jittery. With no other asset classes, every market wobble feeds straight into portfolio value. The upside is long-term growth potential; the downside is that drawdowns have nothing to cushion them. For a “growth” classification, this is not messing around — it’s fully committed to the volatility lifestyle.
Sectors
- Industrials 19%
- Basic Materials 15%
- Technology 14%
- Financials 14%
- Consumer Discretionary 14%
- Energy 8%
- Health Care 5%
- Telecommunications 4%
- Consumer Staples 4%
- Utilities 2%
- Real Estate 2%
Sector allocation looks like it was designed by someone allergic to balance but accidentally ended up reasonably spread out. Industrials, materials, tech, financials, and consumer discretionary all fight for top billing, with nothing completely dominating. Still, this isn’t a boring index clone: that 19% tilt to industrials and 15% to basic materials screams “economy-sensitive” more than “steady compounder.” Defensive areas like health care, utilities, and staples get table scraps. So when the economic cycle turns grumpy, this mix will likely feel it faster and harder than a more defensive sector profile.
Regions
- North America 38%
- Europe Developed 26%
- Japan 23%
- Australasia 6%
- Africa/Middle East 4%
- Asia Developed 2%
Geographically, this is one of the few US-based portfolios that doesn’t scream “America or nothing.” North America sits at 38%, meaning the majority is actually overseas. Europe, Japan, Australasia, and a bit of Africa/Middle East fill in the map. The global flavor is good, but it’s not exactly gentle: the international piece is small-cap value, not cushy blue-chip giants. So yes, there’s a passport and it’s heavily stamped, but most trips are to the sketchier small-cap areas rather than lounging with the global mega-caps on the beach.
Market capitalization
- Mid-cap 45%
- Small-cap 28%
- Mega-cap 12%
- Large-cap 10%
- Micro-cap 4%
Market cap exposure is basically a love letter to the middle and smaller kids: 45% mid-cap, 28% small-cap, plus a non-trivial 4% in micro-caps. Mega- and large-caps together still matter, but they’re not running the show. Smaller companies can punch harder in both directions — more growth potential and more “what just happened to my account?” moments. This isn’t the sedate mega-cap index experience; it’s a more scrappy, slightly chaotic equity profile. If this portfolio were a team, the bench is full of ambitious rookies rather than polished veterans.
True holdings
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NV NVIDIA Corporation 1.90%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 1.76%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 1.30%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
57 Mitsui Mining and Smelting Co. 1.10%
Part of fund(s):- Avantis® International Small Cap Value ETF
-
AM Amazon.com Inc 0.95%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AT AT & S Austria Technologie & Systemtechnik Aktiengesellschaft 0.90%
Part of fund(s):- Avantis® International Small Cap Value ETF
-
GO Alphabet Inc Class A 0.79%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 0.69%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 0.63%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.59%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 10.60%
Look-through holdings are a bit of a tease: only about 15% of the portfolio is visible via ETF top-10 data, so the true picture is fuzzier than it looks. But even in that small window, the US total market ETF quietly injects the usual giants: Nvidia, Apple, Microsoft, Amazon, Alphabet, Meta, Broadcom. They don’t dominate the total portfolio, but they’re definitely lurking. Meanwhile, the international ETF throws in random-sounding small caps like Mitsui Mining and AT & S — the kind of names that don’t show up in cocktail party conversations but absolutely drive volatility behind the scenes.
Factors
The factor profile is basically a manifesto: high value, high yield, and high low-volatility tilts, with everything else hovering near neutral. Factors are the hidden “flavors” behind returns — value, quality, momentum, etc. Here, the portfolio is loudly shouting, “Cheap, steady, and mildly boring please,” while still sitting entirely in equities. Leaning into value and yield with a dash of low volatility is like trying to build a thrift-store portfolio that still sleeps at night. Just don’t confuse “low volatility tilt” with actual safety — this still dropped nearly 40% when things got real.
Risk contribution
-
Avantis® International Small Cap Value ETF
Weight: 70.35% 71.4% -
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 29.65% 28.7%
Risk contribution is refreshingly literal: the fund at 70% weight is contributing 71% of the overall risk. Risk contribution is just asking, “Who’s actually causing the mood swings?” Here, the answer is: both funds are pulling their own weight, almost perfectly proportional. No tiny wildcard holding secretly blowing up the volatility, no single US giant hogging the drama. The downside is that all the risk is essentially a two-player game. If either fund behaves badly, the entire portfolio has no place to hide — it’s tied directly to their combined fate.
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 efficient frontier, this portfolio is annoyingly competent. Same expected return as the optimal and minimum-variance mixes, and the Sharpe ratio gap is tiny (0.67 vs. 0.83 using the same inputs). The efficient frontier is just the best trade-off between risk and return using the current ingredients. Being effectively on it means the weights aren’t wasting potential — this two-fund Frankenstein is actually using its parts well. So while the design looks almost too simple, the math says it’s doing a solid job of turning volatility into return without much dead weight.
Dividends
- Avantis® International Small Cap Value ETF 2.70%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Weighted yield (per year) 2.20%
A 2.2% overall yield, with the international small-cap value ETF doing most of the heavy lifting at 2.7%, is a decent cash drip for an all-equity setup. Dividends here are more like steady background noise than a starring feature. They won’t fund anyone’s lifestyle, but they do soften the psychological blow when prices swing. Just remember: this portfolio is clearly built for total return, not some sleepy income machine. If someone thought “value + yield” meant “bond-like safety,” that 2020 drawdown already delivered a very loud reality check.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.26%
Costs are the one area where this portfolio looks like it actually thought things through. A blended TER of 0.26% isn’t dirt-cheap index-only territory, but it’s very reasonable for a niche active-ish value tilt stapled onto a rock-bottom US core. The international ETF at 0.36% is pulling up the average, while the US total market at 0.03% is practically free. Overall, fees aren’t the villain here; they’re just a minor background tax. If performance ever lags badly, it won’t be because of costs — it’ll be because the factor bet stopped paying.
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