Diversified global equity portfolio with strong value tilt momentum overlay and modest gold ballast

Report created on Apr 12, 2026

Risk 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

The portfolio is made up of 12 ETFs with a very even 10% slice going to most holdings and four smaller 2.5% positions. Roughly 90% is in stocks and 10% is in gold, so it’s clearly growth‑oriented with a small diversifier on the side. A big theme here is systematic strategies: value, momentum, and fundamental indexing all show up. That means returns are driven more by factor tilts than by stock picking. Structurally, this is a tidy, rules‑based setup. The key takeaway is that future tweaks are likely more about adjusting those factor tilts and regional weights than adding lots of new products.

Growth Info

Historically, this mix has done very well over the sample period. A $1,000 investment grew to about $1,799, which translates to a compound annual growth rate (CAGR) near 27.9%. CAGR is the “average speed” of growth per year over the full period. That beats both the US market and global market by about 7 percentage points a year, which is a big edge. Max drawdown, the worst peak‑to‑trough fall, was around -15.3%, actually shallower than the US market and similar to global stocks. That’s a strong combo: higher return with no worse drawdowns. Just remember this period is short and unusually good; past performance can’t be assumed going forward.

Projection Info

The Monte Carlo projection uses past return and volatility patterns to simulate thousands of possible 15‑year paths for $1,000. Think of it like running different “weather forecasts” for your portfolio based on historical storms and sunshine. The median outcome is about $2,658, or an annualized 7.75% across simulations, with a 71.8% chance of ending positive. The middle half of outcomes sits between roughly $1,771 and $4,004, but in extreme cases the range runs from near breakeven to over $7,000. This highlights both the growth potential and the uncertainty. It’s a planning tool, not a promise: markets can behave very differently from the past.

Asset classes Info

  • Stocks
    90%
  • Other
    10%

Asset‑class wise, this setup is simple: about 90% in equities and 10% in “other,” which in practice here is gold. That 90% stock exposure lines up well with a growth‑leaning balanced investor who can accept some bumps along the way for higher long‑term return potential. Gold adds a small diversifying sleeve that may help in certain stress periods or inflation scares, but at 10% it won’t dominate outcomes. This allocation is well‑balanced and aligns closely with common long‑term growth plans that still want a modest volatility cushion without using traditional bonds.

Sectors Info

  • Financials
    16%
  • Industrials
    16%
  • Technology
    15%
  • Consumer Discretionary
    9%
  • Energy
    8%
  • Basic Materials
    7%
  • Health Care
    5%
  • Telecommunications
    4%
  • Consumer Staples
    4%
  • Utilities
    3%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is impressively broad. Financials and industrials are the largest at 16% each, followed closely by technology at 15%. Other cyclical areas like consumer discretionary and energy are present but not overwhelming, while defensive groups such as health care, consumer staples, and utilities hold smaller roles. Real estate remains a modest slice. Compared with typical broad‑market blends that are often tech‑heavy, this looks more even and fundamental‑tilt driven. That balance helps avoid over‑reliance on any single economic story. The key implication: performance will be driven by how value‑tilted and factor strategies fare across many sectors, rather than by any one hot industry.

Regions Info

  • North America
    62%
  • Europe Developed
    12%
  • Japan
    7%
  • Asia Developed
    3%
  • Asia Emerging
    3%
  • Africa/Middle East
    2%
  • Australasia
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, the portfolio leans clearly toward North America at about 62%, with Europe developed around 12%, Japan 7%, and the rest spread across developed and emerging regions. That North America weight is high but not extreme relative to global index norms, and there is meaningful exposure to both developed ex‑US and emerging markets. This global spread is a real strength: it reduces reliance on any single economy, interest‑rate regime, or currency. It also gives some participation in growth from less mature markets. The trade‑off is that returns can diverge more from a pure US index, for better or worse, depending on how international markets perform.

Market capitalization Info

  • Mid-cap
    27%
  • Mega-cap
    21%
  • Large-cap
    20%
  • Small-cap
    16%
  • Micro-cap
    5%

This breakdown covers the equity portion of your portfolio only.

By market cap, the portfolio is nicely balanced across company sizes: mid‑caps are the largest slice at 27%, with mega‑ and large‑caps together around 41%, and smaller names (small‑ and micro‑caps) about 21%. That’s more diversified than a typical cap‑weighted global index, which leans heavily into the very largest firms. Smaller and mid‑sized companies tend to be more volatile but historically can offer higher long‑term growth. Having a meaningful but not dominant exposure here gives the portfolio a bit of extra return potential and factor flavor, while the mega‑ and large‑cap core still anchors it in broadly recognized, more liquid names.

True holdings Info

  • NVIDIA Corporation
    1.65%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap ETF
  • Apple Inc
    1.05%
    Part of fund(s):
    • Schwab Fundamental U.S. Large Company Index ETF
    • Schwab U.S. Large-Cap ETF
  • Alphabet Inc Class A
    0.98%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab Fundamental U.S. Large Company Index ETF
    • Schwab U.S. Large-Cap ETF
  • Broadcom Inc
    0.94%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap ETF
  • Alphabet Inc Class C
    0.78%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab Fundamental U.S. Large Company Index ETF
    • Schwab U.S. Large-Cap ETF
  • Exxon Mobil Corp
    0.71%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab Fundamental U.S. Large Company Index ETF
  • Microsoft Corporation
    0.67%
    Part of fund(s):
    • Schwab Fundamental U.S. Large Company Index ETF
    • Schwab U.S. Large-Cap ETF
  • Micron Technology Inc
    0.54%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
  • Johnson & Johnson
    0.54%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
  • Amazon.com Inc
    0.50%
    Part of fund(s):
    • Schwab Fundamental U.S. Large Company Index ETF
    • Schwab U.S. Large-Cap ETF
  • Top 10 total 8.36%

This breakdown covers the equity portion of your portfolio only.

Looking through the ETFs’ top holdings, a handful of mega‑cap names like NVIDIA, Apple, Alphabet, Broadcom, Exxon, Microsoft, and Amazon show up multiple times. None of them is huge on its own (NVIDIA is the largest around 1.65%), but together these repeats create a quiet tilt toward a familiar set of global leaders. Because only ETF top‑10 holdings are included, this overlap picture is incomplete and likely understates concentration. Still, it’s useful to know that some giants are driving a chunk of returns across several funds. The main takeaway: even with many ETFs, risk can bunch up in a relatively small group of big companies.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 75%
Size
Exposure to smaller companies
Neutral
Data availability: 90%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 73%
Quality
Preference for financially healthy companies
Neutral
Data availability: 63%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.

On factors, the standout is value at 73%, which signals a clear tilt toward cheaper‑priced companies relative to fundamentals. Think of factors as the “personality traits” of the portfolio; here, it leans toward bargain‑oriented stocks. Size, momentum, quality, yield, and low volatility all sit in the neutral band, meaning they are roughly market‑like and not strong tilts. A high value tilt often does well after periods when expensive growth stocks have dominated, but it can lag when markets strongly favor high‑growth, high‑multiple names. Overall, the factor profile is intentional and focused: one big value push layered on top of broadly neutral characteristics elsewhere.

Risk contribution Info

  • Avantis® U.S. Small Cap Value ETF
    Weight: 10.00%
    12.7%
  • Invesco S&P MidCap Momentum ETF
    Weight: 10.00%
    12.7%
  • Invesco S&P 500® Momentum ETF
    Weight: 10.00%
    11.6%
  • American Century ETF Trust
    Weight: 10.00%
    11.2%
  • Invesco S&P International Developed Momentum ETF
    Weight: 10.00%
    10.2%
  • Top 5 risk contribution 58.4%

Risk contribution shows how much each holding adds to total ups and downs, which can differ from its weight. For example, the Avantis U.S. Small Cap Value ETF and the Invesco MidCap Momentum ETF each have a 10% allocation but contribute about 12.7% of portfolio risk, so their risk/weight ratio is roughly 1.27. The S&P 500 Momentum and American Century ETFs also contribute more risk than their weights. Together, the top three positions drive about 37% of overall volatility. That’s not extreme but does show some concentration in higher‑octane strategies. Periodically checking whether these slices still reflect the desired “risk budget” can help keep the profile aligned with comfort levels.

Redundant positions Info

  • Avantis® U.S. Small Cap Value ETF
    American Century ETF Trust
    High correlation
  • Schwab Emerging Markets Equity ETF
    Schwab Fundamental Emerging Markets Large Company Index ETF
    High correlation
  • Schwab Fundamental International Large Company Index ETF
    Schwab International Equity ETF
    High correlation

Correlation measures how closely assets move together; values near 1 mean they often rise and fall in sync. Several pairs here are highly correlated: the two emerging markets funds move almost identically, as do the two international large‑cap funds and the US small‑cap value and American Century ETFs. This isn’t bad by itself, but it means those pairs don’t add much extra diversification beyond each other. In a downturn that hits their shared segment, both sides of each pair are likely to drop together. One benefit, though, is that this structure still avoids extreme over‑reliance on one single ticker, spreading that correlated exposure across multiple providers and index approaches.

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 efficient frontier chart compares your current mix to the best possible combinations of these same holdings. Right now, the portfolio has a Sharpe ratio of 1.49, while the optimal mix of the existing ETFs could reach a Sharpe of about 2.23 with similar risk and higher return. The minimum‑variance version would slightly lower expected return but cut volatility meaningfully and still improve Sharpe. Being about 7.9 percentage points below the frontier at the current risk level means the same ingredients could be blended more efficiently. In practice, that suggests reweighting the current ETFs could improve the risk/return balance without needing to add new funds.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.80%
  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Schwab Fundamental Emerging Markets Large Company Index ETF 3.80%
  • Schwab Fundamental International Large Company Index ETF 3.00%
  • Schwab Fundamental U.S. Large Company Index ETF 1.60%
  • Invesco S&P International Developed Momentum ETF 3.60%
  • Schwab Emerging Markets Equity ETF 2.70%
  • Schwab International Equity ETF 3.10%
  • Schwab U.S. Large-Cap ETF 1.10%
  • Invesco S&P 500® Momentum ETF 0.80%
  • Invesco S&P MidCap Momentum ETF 0.70%
  • American Century ETF Trust 1.10%
  • Weighted yield (per year) 1.62%

The portfolio’s overall dividend yield is around 1.62%, which is modest but not negligible. Some of the international and emerging markets funds offer higher yields (roughly 3%–3.8%), while the momentum and US growth‑oriented ETFs sit well below 1%. That pattern fits a total‑return mindset: capital appreciation is doing more of the heavy lifting than income. For an investor not relying on regular cash payouts, this is perfectly fine and often tax‑efficient. If income needs rise later, shifting a bit more toward higher‑yielding pieces could lift cash flow, but it would also slightly change the factor and regional balance that’s working well here today.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Schwab Fundamental Emerging Markets Large Company Index ETF 0.39%
  • Schwab Fundamental International Large Company Index ETF 0.25%
  • Schwab Fundamental U.S. Large Company Index ETF 0.25%
  • SPDR Gold Mini Shares 0.10%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Schwab Emerging Markets Equity ETF 0.11%
  • Schwab International Equity ETF 0.06%
  • Schwab U.S. Large-Cap ETF 0.03%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • American Century ETF Trust 0.20%
  • Weighted costs total (per year) 0.21%

Costs are a real bright spot. The weighted total expense ratio (TER) is only about 0.21%, which is very competitive for a portfolio that combines factor strategies, international diversification, and a gold hedge. Some core building‑block ETFs come in extremely cheap, such as the broad US large‑cap fund at 0.03% and the main international ETF at 0.06%. The pricier factor and emerging markets funds are still reasonable for their categories. Low ongoing fees quietly compound in your favor over decades; even a few tenths of a percent saved every year can translate into thousands of extra dollars down the line. This cost structure strongly supports long‑term performance.

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