Broad global stock mix tilted toward small value companies with strong diversification and moderate volatility
Report created on May 1, 2026Risk profile
5/7
Diversification profile
4/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 40.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 25.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 20.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 15.00%
This portfolio is a four‑fund, 100% stock mix combining total market index funds with dedicated small value ETFs. About two thirds sits in broad US and international index funds, while roughly one third targets smaller, cheaper (“value”) companies in both US and overseas markets. Structurally, that means there is a core that tracks global markets fairly closely, plus a meaningful “tilt” toward a specific style segment. This kind of core‑and‑satellite setup is common: the core aims to capture overall market returns, and the satellites emphasize certain characteristics that have behaved differently over time. In practice, that can make the portfolio’s performance diverge from simple index funds, especially over shorter stretches.
Growth
From late 2019 to April 2026, a $1,000 investment grew to about $2,441, which is a compound annual growth rate (CAGR) of 14.54%. CAGR is the “average speed” of growth per year, smoothing out ups and downs. Over this period the portfolio slightly lagged the US market index but outpaced the global market index, showing that its mix of US and international stocks has been competitive. The max drawdown of around -38% during early 2020 was deeper than the benchmarks, which is typical for portfolios with more small and value exposure. This history shows strong growth but also real, noticeable drops along the way, reminding that past returns came with meaningful swings.
Projection
The Monte Carlo projection looks ahead 15 years by running 1,000 simulations based on historical risk and return patterns. Monte Carlo is basically a “what if” engine: it shuffles many possible paths the market could take, instead of assuming a straight-line return. Here, the median outcome turns $1,000 into about $2,781, with a wide “likely” range from roughly $1,843 to $4,443. There’s also a small but real chance of ending around where you started or below. These ranges highlight that even with an average simulated return of 8.43% per year, real‑world results can land much higher or lower. It’s a tool for understanding uncertainty, not a promise.
Asset classes
- Stocks 100%
All of the portfolio is invested in stocks, with no bonds or cash included in the allocation view. Stocks are ownership stakes in companies and historically have offered higher long‑term returns than bonds, but with more frequent and larger price swings. A 100% stock portfolio typically experiences more volatility, especially over shorter timeframes like months or a few years. Compared with blended portfolios that include bonds, this structure leans fully into growth potential and away from shock absorbers. The trade‑off is clear in the drawdown history: strong long‑term growth, but also sharp temporary declines that investors need to be comfortable riding through.
Sectors
- Technology 19%
- Financials 18%
- Industrials 14%
- Consumer Discretionary 12%
- Energy 8%
- Health Care 7%
- Basic Materials 7%
- Telecommunications 6%
- Consumer Staples 5%
- Utilities 2%
- Real Estate 2%
Sector exposure is spread across technology, financials, industrials, consumer‑focused areas, energy, health care, and others, with no single sector overwhelmingly dominant. Technology is the largest slice, which broadly reflects global market patterns where tech has grown significantly in value. Financials and industrials also play big roles, helped by the small value tilt, since many smaller value companies cluster in those areas. This balanced spread aligns well with major benchmarks and suggests the portfolio is not betting heavily on one specific part of the economy. That balance can help when certain sectors fall out of favor, because strength in other sectors can partially offset the weakness.
Regions
- North America 63%
- Europe Developed 15%
- Japan 9%
- Asia Developed 4%
- Asia Emerging 4%
- Australasia 2%
- Africa/Middle East 2%
- Latin America 1%
Geographically, the portfolio is anchored in North America at about 63%, with meaningful exposure to Europe, Japan, and other developed and emerging regions. This kind of US‑heavy but global mix is common, since US stocks still make up a large share of global market value. The presence of international developed and emerging markets adds another layer of diversification: different economies, currencies, and policy environments can move on their own cycles. Compared with a pure US portfolio, this structure should react more to non‑US news and local market moves. Over time, this can reduce reliance on any single country’s growth or political environment, even though the US still drives much of the behavior.
Market capitalization
- Mega-cap 27%
- Mid-cap 20%
- Large-cap 20%
- Small-cap 20%
- Micro-cap 11%
By market capitalization, the portfolio is well spread across mega, large, mid, small, and even micro‑cap companies. Around 40% sits in large and mega‑caps, while roughly 31% is in small and micro‑caps, which is higher than a typical global index. Smaller companies often have more room to grow but can also be more volatile and sensitive to economic shifts. This tilt explains part of the portfolio’s higher swings and its factor profile. Having a full spectrum of company sizes means the portfolio participates in different stages of the business lifecycle, from established giants to more nimble up‑and‑comers, which can behave quite differently in various market environments.
True holdings
-
NV NVIDIA Corporation 2.56%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 2.37%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 1.75%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.28%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.06%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 0.93%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.86%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 0.84%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.80%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 0.66%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 13.12%
Looking through the ETFs, the largest underlying exposures in the disclosed top‑10 lists are big, well‑known names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, and Tesla. Each one individually is a relatively small slice of the overall portfolio, with the biggest around 2.5%. However, some of these companies show up in multiple funds, especially the broad index ETFs, creating overlap that amplifies their true impact. Because the data only covers ETF top‑10 holdings, actual overlap is likely higher under the surface. Even so, the weights here suggest that while these mega‑caps influence returns, they do not dominate the portfolio in the way a concentrated single‑stock position would.
Factors
Factor exposure shows strong tilts toward value (67%) and smaller size (63%), with other factors roughly neutral. Factors are like underlying “personality traits” of a portfolio that research links to long‑term return patterns. A value tilt means more exposure to stocks priced cheaply relative to fundamentals, while a size tilt means more in smaller companies than the broad market. Historically, these traits have sometimes been rewarded but can trail for long stretches, as seen in some recent years where growth and mega‑caps led. Neutral momentum, quality, yield, and low volatility suggest the portfolio behaves broadly like the overall market on those dimensions, with the standout differences mainly in value and size.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 40.00% 39.1% -
Avantis® U.S. Small Cap Value ETF
Weight: 20.00% 25.7% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 25.00% 21.9% -
Avantis® International Small Cap Value ETF
Weight: 15.00% 13.3%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weights. The broad US fund is 40% of the portfolio and contributes about 39% of total risk, very close to its size. The US small cap value ETF, at 20% weight, contributes about 26% of risk, meaning each dollar there adds more volatility than the average holding. The international funds contribute slightly less risk than their weights. Overall, the top three positions account for about 87% of total portfolio risk, which is normal for a four‑fund setup. This highlights how the small value sleeve, while smaller in weight, still meaningfully shapes risk.
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 vs. return chart shows the current portfolio sitting below the efficient frontier by about 1.07 percentage points at its risk level. The efficient frontier represents the best return achievable for each risk level using only the existing holdings but in different weights. The Sharpe ratio, which is return per unit of risk above the risk‑free rate, is 0.59 for the current mix, compared with 0.81 for the optimal and 0.67 for the minimum‑variance portfolios. This means that, historically, a different blend of the same four ETFs could have delivered better risk‑adjusted returns. The key takeaway is about efficiency, not direction: the ingredients are strong, and the chart shows there’s some room in how they’re combined.
Dividends
- Avantis® International Small Cap Value ETF 2.80%
- Avantis® U.S. Small Cap Value ETF 1.30%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.82%
The portfolio’s overall dividend yield is about 1.82%, combining lower‑yielding broad US stocks with higher‑yielding international and small value holdings. Dividend yield is the annual cash payment as a percentage of the current price, like rent from owning a property. Here, income plays a supporting role rather than being the main focus. The higher yields from the international and small value ETFs fit the value tilt, since lower‑priced and established companies often distribute more profits as dividends. Over time, these payouts can form a meaningful chunk of total return when reinvested, even if most of the portfolio’s growth still comes from price changes.
Ongoing product costs
- Avantis® International Small Cap 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) 0.13%
The weighted total expense ratio (TER) of the portfolio is about 0.13% per year, which is impressively low for a mix including active or rules‑based small value funds. TER is the annual fee charged by the funds, taken directly from returns, similar to a management fee on a property. The broad Vanguard index funds are extremely cheap, and while the Avantis small value ETFs cost more, they still sit at reasonable levels for their category. Low ongoing costs help keep more of the portfolio’s gross returns in your pocket, and over long periods, even small fee differences can snowball into noticeable amounts. Overall, the cost structure is a genuine strength here.
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