Broad global stock portfolio with strong small cap value tilt and historically solid but cyclical returns
Report created on Jul 3, 2026Risk profile
4/7
Diversification profile
5/5
Positions
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SP State Street® SPDR® Portfolio S&P 500® ETF
SPYM - US78464A8541 25.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 22.00% -
SP SPDR Russell Small Cap Completeness
SPMD - US78464A8475 18.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 13.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 10.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 6.00% -
AV Avantis® Emerging Markets Value ETF
AVES - US0250723725 6.00%
This portfolio is made up entirely of equity ETFs, with a mix of broad US, international, small caps, and value-tilted funds. The largest position is a US large-cap index ETF at 25%, followed by a broad international fund at 22%, and a small-cap completeness fund at 18%. Several Avantis value and small-cap ETFs add more focused exposures, while a Schwab large-cap growth ETF brings in a growth tilt. This structure creates a core of broad market exposure with satellite tilts toward smaller companies and value characteristics. It behaves like a fully invested stock portfolio, so its ups and downs are driven by equity markets rather than bonds or cash-like assets.
Growth
Over the period from late 2021 to mid 2026, $1,000 grew to about $1,690, a compound annual growth rate (CAGR) of 11.76%. CAGR is like average speed on a road trip: it smooths out the bumps to show the long-run pace. The portfolio slightly trailed the US market benchmark but very slightly beat the global market benchmark, while experiencing a max drawdown of about -25%, similar to both references. Drawdown is the drop from peak to trough; here it took 11 months to bottom and 15 months to recover. That pattern shows meaningful but not extreme equity volatility, with performance roughly in line with broad global markets.
Projection
The Monte Carlo projection uses historical return and volatility patterns to simulate many possible future paths for the portfolio. Think of it as rolling the dice 1,000 times based on past behavior and seeing the range of potential 15‑year outcomes. The median result grows $1,000 to about $2,703, with a wide “likely” band from roughly $1,743 to $4,344. In more extreme but still plausible cases, outcomes range from roughly flat to almost eightfold growth. The average simulated annual return is 8.11%. These numbers are not promises; they simply show what could happen if the future rhymes with the past, which it never does perfectly.
Asset classes
- Stocks 75%
- No data 25%
On the asset class view, 75% of the portfolio is clearly classified as stocks, with 25% in a “no data” bucket where asset-class labels aren’t available. The reported portion confirms this is a heavily equity-focused portfolio, consistent with the holdings list showing only stock ETFs. Equity-dominated portfolios typically capture more long-term growth potential but also see larger short-term swings versus mixes that include bonds or cash. The “no data” share is simply a data limitation, not necessarily a sign of something unusual. Overall, the asset-class picture lines up well with a diversified global stock allocation that leans fully into equity market risk.
Sectors
- Financials 14%
- Technology 14%
- Industrials 13%
- Consumer Discretionary 9%
- Basic Materials 5%
- Energy 5%
- Health Care 5%
- Telecommunications 4%
- Consumer Staples 3%
- Real Estate 2%
- Utilities 2%
Sector exposure is broadly spread, with financials and technology both around 14%, and industrials close behind at 13%. Consumer discretionary, basic materials, energy, and health care each have meaningful mid-single-digit allocations, while telecoms, staples, real estate, and utilities are smaller but still present. This kind of spread is similar to diversified equity benchmarks, where no single sector dominates the portfolio. Sector balance matters because different parts of the economy lead and lag at different times. A tech-heavy mix, for instance, tends to swing more with interest rate moves, while a more even sector mix like this one can help smooth performance across various economic cycles.
Regions
- North America 43%
- Europe Developed 10%
- Asia Developed 7%
- Japan 5%
- Asia Emerging 5%
- Africa/Middle East 2%
- Australasia 2%
- Latin America 1%
Geographically, the portfolio has a strong North American anchor at 43%, with additional exposure to developed Europe (10%), developed Asia (7%), and Japan (5%). There are also meaningful allocations to emerging regions across Asia, Latin America, Africa/Middle East, and Australasia. Compared with a typical global equity benchmark, this looks broadly aligned with the idea of global diversification, while still keeping a clear home bias toward North America. Geographic spread is important because different regions face distinct growth paths, currencies, and policy environments. This allocation is well-balanced and aligns closely with global standards, which supports resilience against region-specific shocks.
Market capitalization
- Small-cap 22%
- Mega-cap 17%
- Mid-cap 16%
- Large-cap 12%
- Micro-cap 7%
By market capitalization, the portfolio mixes mega-, large-, mid-, small-, and even micro-cap companies, with small caps at 22% and micro caps at 7%. That’s a noticeably higher allocation to smaller companies than a typical market-cap-weighted global index, which leans much more heavily toward mega- and large caps. Size matters because smaller firms tend to be more volatile but have historically delivered higher long-term return potential in some periods. The spread across all size buckets also adds another layer of diversification: large firms can offer stability and global reach, while smaller firms bring more targeted, sometimes faster-growing business exposures to the mix.
True holdings
-
NV NVIDIA Corporation 3.10%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
AA Apple Inc. 2.74%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
MS Microsoft Corporation 1.94%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
AM Amazon.com Inc 1.55%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
GO Alphabet Inc Class A 1.32%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
AV Broadcom Inc 1.23%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
GO Alphabet Inc Class C 1.06%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.87%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.86%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
TS Tesla Inc 0.85%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Large-Cap Growth ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Top 10 total 15.50%
Looking through the ETFs’ top holdings, a handful of giant companies show up across multiple funds. Names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, TSMC, Meta, and Tesla collectively add up to notable exposure, even though each single name remains a modest slice of the portfolio. Because overlap is measured only from ETF top‑10 lists, the true concentration is probably a bit higher than reported, but still spread across several leaders. Overlap matters because when the same company appears in multiple funds, it can quietly amplify its impact on returns. Here, that impact is meaningful but not overwhelming, preserving diversification across many underlying stocks.
Factors
Factor exposure shows high tilts toward value (63%) and size (65%), with other factors sitting near neutral. Factors are like the underlying “ingredients” of return: value focuses on cheaper stocks by fundamentals, while size tilts toward smaller companies. A mild tilt toward both may lead to different performance patterns than a pure market-cap portfolio. Historically, value and small-cap stocks have had periods of both strong outperformance and long stretches of lagging. Neutral readings for momentum, quality, yield, and low volatility suggest the portfolio behaves broadly like the market on those dimensions, while the distinct value and size tilts drive its more unique character over time.
Risk contribution
-
State Street® SPDR® Portfolio S&P 500® ETF
Weight: 25.00% 23.9% -
SPDR Russell Small Cap Completeness
Weight: 18.00% 19.9% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 22.00% 19.2% -
Avantis® U.S. Small Cap Value ETF
Weight: 13.00% 15.1% -
Schwab U.S. Large-Cap Growth ETF
Weight: 10.00% 11.8% - Top 5 risk contribution 89.9%
Risk contribution shows how much each holding actually drives the portfolio’s overall ups and downs, which can differ from its weight. The top three positions by weight contribute about 63% of total risk, roughly matching their combined allocation. The S&P 500 ETF and small-cap completeness ETF both have risk contributions very close to their weights, indicating their volatility is in line with the rest of the portfolio. The Avantis US small-cap value and the Schwab large-cap growth ETFs have slightly higher risk/weight ratios, meaning they punch a bit above their size in driving volatility. This pattern reflects a portfolio where risk is reasonably spread, without a single dominating driver.
Redundant positions
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High correlationState Street® SPDR® Portfolio S&P 500® ETFSchwab U.S. Large-Cap Growth ETF
The correlation view highlights that the Schwab US Large-Cap Growth ETF and the S&P 500 ETF move almost identically. Correlation measures how often assets move together: a reading close to 1 means they tend to go up and down in sync. High correlation between these two isn’t surprising since both focus on large US companies, with one specifically emphasizing growth. This doesn’t make either fund “bad”; it just means they don’t add much diversification relative to each other. In market stress, both are likely to react similarly, so the main diversification benefits come from the international and small-cap value holdings rather than from these two overlapping large-cap exposures.
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 chart, the current portfolio sits about 2.1 percentage points below the best achievable return for its risk level. The Sharpe ratio, which measures return per unit of risk versus a risk-free rate, is 0.52 for the portfolio, compared with 0.84 for the optimal mix and 0.74 for the minimum-variance option. That means, using only the existing holdings but with different weights, historical data suggests a better risk/return tradeoff was possible. Being below the frontier doesn’t mean the portfolio is poorly built; it just shows there was room for more efficiency. The overall return and risk levels still fall in a reasonable range for an all‑equity allocation.
Dividends
- Avantis® International Small Cap Value ETF 2.80%
- Avantis® Emerging Markets Value ETF 2.50%
- Avantis® U.S. Small Cap Value ETF 1.30%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- SPDR Russell Small Cap Completeness 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 2.60%
- State Street® SPDR® Portfolio S&P 500® ETF 1.00%
- Weighted yield (per year) 1.56%
The portfolio’s total dividend yield is about 1.56%, combining higher-yielding international and emerging markets value funds with lower-yield US growth and large-cap ETFs. Dividend yield is the annual cash payout from holdings relative to their price, like rent from owning a property. Here, the yield is moderate for an equity portfolio, suggesting most of the expected long-term return is likely to come from price growth rather than income. The higher yields from value and international funds help offset the lower payouts from growth‑oriented US holdings. This blend can create a modest but steady income stream while keeping the focus on capital appreciation.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® Emerging Markets Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- SPDR Russell Small Cap Completeness 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.10%
The portfolio’s total expense ratio (TER) comes in around 0.10%, which is impressively low for a globally diversified mix with several specialized small-cap and value funds. TER is the ongoing annual fee charged by funds as a percentage of assets, similar to a management charge for running the vehicles. Lower costs matter because they compound over time: every dollar not spent on fees stays invested. Here, very cheap core ETFs combine with slightly higher-cost Avantis strategies, producing an overall fee level that’s competitive with many simple index-only portfolios. The costs are impressively low, supporting better long-term performance relative to higher-fee alternatives holding similar exposures.
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