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Two total markets four clones and a small value obsession walk into a portfolio

Report created on Jun 15, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This “balanced” portfolio is 100% stocks and somehow still manages to be wildly redundant. Two total US market funds at 25% each and two total international funds at 5% each is not diversification; it’s copying your homework four times. Then you stack pairs of near-identical small-cap value funds on top, like you didn’t trust the first manager to do their job. Structurally, this is basically a plain global index core with a loud, doubled‑up small value tilt bolted on. The ingredients aren’t crazy, but the repetition screams “menu confusion” rather than deliberate design. Everything works together, but half of it is wearing the same outfit.

Growth Info

One or more local-currency benchmark funds are unavailable for this report.

Historically, this thing has done well, but not in a “secret genius” way. A 12.98% CAGR since 2022 on $1,000 turning into $1,667 is barely ahead of the global market’s 12.95%. So all that factor spice and ETF clutter bought… 0.03% extra growth. The max drawdown of -21.62% was slightly kinder than the market’s -23.28%, so the pain wasn’t worse, just very normal equity pain. Also, 90% of returns came from just 15 days; miss those and the story changes fast. Past data is basically yesterday’s weather report: useful context, zero guarantees it repeats with the same drama.

Projection Info

The Monte Carlo projection is the “what if” machine, running 1,000 alternate futures where returns bounce around randomly based on past behavior. Median outcome: $1,000 grows to about $2,668 in 15 years, with a pretty wide “probably” range from $1,758 to $4,316. The scary-but-not-insane edge cases stretch from basically flat at $990 to “market loved you” at $8,219. Overall annualized return across simulations is 8.2%, which is decent but not miraculous. The 72.3% chance of finishing positive is nice, but far from guaranteed riches. Simulations are just fancy guesswork based on history: helpful map, still not a crystal ball.

Asset classes Info

  • Stocks
    100%

Asset class “diversification” here is extremely easy to describe: it doesn’t exist. This is 100% stocks, zero bonds, zero cash buffer, zero anything else. Calling this “balanced” is generous; it’s basically an all‑equity roller coaster with a nice risk score label slapped on the cart. Equity-only portfolios ride every market mood swing, especially when small caps are involved. When stocks are kind, it looks bold. When they aren’t, it looks like a dare. Asset classes are like food groups – loading up entirely on one can work for a while, but it’s not exactly aiming for a smooth, predictable diet.

Sectors Info

  • Technology
    22%
  • Financials
    18%
  • Industrials
    13%
  • Consumer Discretionary
    12%
  • Energy
    8%
  • Health Care
    7%
  • Telecommunications
    7%
  • Basic Materials
    5%
  • Consumer Staples
    5%
  • Real Estate
    2%
  • Utilities
    2%

Sector-wise, this portfolio is pretty tech‑ and finance‑flavored, with 22% in technology and 18% in financials leading the charge. It’s not a cartoonishly concentrated bet on one industry, but tech still clearly drives the narrative, with the usual suspects sitting on top of the market-cap funds. Industrials, consumer discretionary, energy, and the rest get decent scraps, but this isn’t some carefully sculpted sector masterpiece; it’s just what happens when you buy broad indexes and then crank up small value. The result is a sector mix that looks boringly index-like on the surface while a lot of the real risk hides inside certain growthy names.

Regions Info

  • North America
    81%
  • Europe Developed
    8%
  • Japan
    4%
  • Asia Developed
    2%
  • Asia Emerging
    1%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, this is “America and friends” with 81% in North America and everyone else sharing the remaining crumbs. Europe, Japan, and developed Asia get a polite nod, while emerging regions barely exist. It’s basically betting the global story continues to be written in US dollars, with a few subtitles from abroad. That home bias is normal, but it also means the portfolio’s fate is heavily tied to one economic and political system. If non-US markets ever have a long stretch of outperformance, this setup will be watching from the sidelines like someone who showed up late to the party and stayed stuck in the doorway.

Market capitalization Info

  • Mega-cap
    26%
  • Small-cap
    23%
  • Large-cap
    19%
  • Mid-cap
    18%
  • Micro-cap
    14%

The market-cap mix is actually one of the more interesting parts: 26% mega-cap, then a chunky 23% small-cap and 14% micro-cap, with large and mid filling the rest. So underneath the “own the whole market” branding, this quietly leans hard into the scrappy, more volatile end of town. That small- and micro-cap exposure is where a lot of the drama lives: bigger swings, more idiosyncratic risks, and more separation between winners and losers. It’s not lunatic-level concentration, but it definitely drags the portfolio away from a smooth, sleepy big-cap index feel into something more twitchy and energetic.

True holdings Info

  • NVIDIA Corporation
    3.47%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core S&P Total U.S. Stock Market ETF
  • Apple Inc
    3.00%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core S&P Total U.S. Stock Market ETF
  • Microsoft Corporation
    2.17%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core S&P Total U.S. Stock Market ETF
  • Amazon.com Inc
    1.82%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core S&P Total U.S. Stock Market ETF
  • Alphabet Inc Class A
    1.58%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core S&P Total U.S. Stock Market ETF
  • Broadcom Inc
    1.39%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core S&P Total U.S. Stock Market ETF
  • Alphabet Inc Class C
    1.25%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core S&P Total U.S. Stock Market ETF
  • Meta Platforms Inc.
    0.94%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core S&P Total U.S. Stock Market ETF
  • Tesla Inc
    0.80%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core S&P Total U.S. Stock Market ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.40%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
    • iShares Core MSCI Total International Stock ETF
  • Top 10 total 16.82%

The look‑through holdings reveal the usual mega-cap suspects hogging the spotlight: NVIDIA, Apple, Microsoft, Amazon, both share classes of Alphabet, Meta, Tesla, plus TSM. Together they’re already a big chunk of the visible coverage, and that’s with only ETF top‑10s included. So while this thing parades around as a disciplined small value fan, the giants are still running the show underneath. Overlap is understated by design here, but it’s already obvious: the same huge companies are being owned multiple times through the different total market and international wrappers. It’s basically “I love factors” layered on top of “but also please just give me the usual mega-cap celebrities.”

Factors Info

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

Factor-wise, this portfolio is loudly shouting “small value,” with value at 69% and size at 66% — both meaningfully above market. Factors are like hidden flavors: value leans toward cheaper stocks, size leans toward smaller companies. Here, that combo is very intentional, not accidental. Everything else — momentum, quality, yield, low volatility — sits in the neutral zone, so it’s not trying to be fancy on every axis at once. The effect is a very specific personality: willing to look boring or wrong for stretches in exchange for potential payoff when cheap, smaller names finally get their moment. No split personality, just one big bet.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 25.00%
    24.1%
  • iShares Core S&P Total U.S. Stock Market ETF
    Weight: 25.00%
    24.1%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 15.00%
    18.0%
  • Dimensional US Small Cap Value ETF
    Weight: 15.00%
    17.5%
  • Avantis® International Small Cap Value ETF
    Weight: 5.00%
    4.2%
  • Top 5 risk contribution 87.8%

Risk contribution shows who’s actually shaking the portfolio, not just who looks big on paper. The two total US funds at 25% each pull about 24% of total risk apiece, so they’re doing exactly what they look like: dominating performance. The two US small-cap value funds punch slightly above their weight, with 15% positions contributing roughly 18% each to risk, which tracks with their spicier nature. The top three exposures are responsible for about two-thirds of total portfolio risk, which is a lot of drama concentrated in what are, functionally, duplicate buckets. Structurally, it’s more “few big knobs” than a nuanced soundboard.

Redundant positions Info

  • Avantis® International Small Cap Value ETF
    Dimensional ETF Trust - Dimensional International Small Cap Value ETF
    High correlation
  • Avantis® U.S. Small Cap Value ETF
    Dimensional US Small Cap Value ETF
    High correlation
  • Vanguard Total Stock Market Index Fund ETF Shares
    iShares Core S&P Total U.S. Stock Market ETF
    High correlation
  • iShares Core MSCI Total International Stock ETF
    Vanguard Total International Stock Index Fund ETF Shares
    High correlation

The correlation picture is basically a list of twins. Every major pair here has a near‑clone: Avantis and Dimensional for US small value, same story internationally, and iShares vs. Vanguard for both US and international total markets. Highly correlated means they tend to move together almost step-for-step, so owning both is less “safety in numbers” and more “two copies of the same movie.” In a crash, these pairs don’t take turns getting hurt — they just fall together. You’re not doubling diversification; you’re just diversifying between brand names that react almost identically when it matters most.

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 is where the portfolio gets side‑eyed by math. At 14% return and 17.64% risk, the Sharpe ratio is 0.57, while the optimal mix of the exact same holdings scores 0.92 with slightly lower risk and much higher return. Translation: the ingredients are fine; the recipe is sloppy. You’re sitting about 3.18 percentage points below the frontier at your current risk level, which is like running slower than your own personal best while carrying the same backpack. Even the minimum variance version uses the same components to get lower risk and better risk-adjusted returns. This is inefficiency by choice, not necessity.

Dividends Info

  • Avantis® International Small Cap Value ETF 4.10%
  • Avantis® U.S. Small Cap Value ETF 1.60%
  • Dimensional US Small Cap Value ETF 1.40%
  • Dimensional ETF Trust - Dimensional International Small Cap Value ETF 2.40%
  • iShares Core S&P Total U.S. Stock Market ETF 1.00%
  • iShares Core MSCI Total International Stock ETF 2.80%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.00%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.55%

Income-wise, this thing clearly didn’t wake up thinking “cash flow.” The overall yield is about 1.55%, which is barely above pocket change in dividend terms, especially compared to that one international small value sleeve throwing off 4.1% like it missed the memo. Dividends here are a side effect, not a design goal: most of the return story depends on price movement, not steady checks. That’s fine, but it means in rough patches there’s not a generous income stream to soften the emotional blows. It’s growth‑tilted behavior wrapped in some factor branding, not a payout machine pretending to be a bond replacement.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Dimensional US Small Cap Value ETF 0.31%
  • Dimensional ETF Trust - Dimensional International Small Cap Value ETF 0.42%
  • iShares Core S&P Total U.S. Stock Market ETF 0.03%
  • iShares Core MSCI Total International Stock ETF 0.07%
  • 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%

On costs, this portfolio accidentally did something very sensible. A blended TER of 0.14% is absolutely reasonable, especially considering you’re paying up a bit for the Avantis and Dimensional factor toys on top of dirt‑cheap core index funds. The pricier small-cap value funds sit in the 0.25–0.42% range, which isn’t outrageous for active-ish tilts, and the big vanilla exposures are at 0.03–0.07%, basically couch-cushion change. Fees aren’t the villain in this story. If anything, the main question is why you’re paying multiple managers to do almost exactly the same thing in pairs instead of just picking one and letting it cook.

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