Two fund world tracker with a secret small cap value personality crisis
Report created on Apr 23, 2026Risk 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
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VT Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 80.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 20.00%
This portfolio is basically a world index fund that got drunk one night and added a 20% small-cap value sidekick. Structurally it’s dead simple: one giant everything-fund doing most of the work, plus one high-octane satellite that exists purely to make things more “interesting.” The result is more of a personality overlay than a new strategy. It looks diversified at first glance, but almost all decisions boil down to “how much world index vs. how much quirky factor tilt.” It’s clean and easy to understand, but also a bit binary: either the small-cap value bet helps, or it spends long stretches quietly sabotaging otherwise boringly sensible global exposure.
Growth
Historically, this setup turned $1,000 into $2,323, which sounds impressive until the US market strolls in with a smug “I’d be at more.” A 13.76% CAGR is strong, but it lags the US benchmark by nearly 2% a year, which compounds into a meaningful “oops” over time. Against the global market, though, it does slightly better, so it’s not a disaster, just not winning any sprint against US-heavy portfolios. The max drawdown near -37% shows it fully participates in crashes, not just vibes through them. Past data is like reading last season’s scores: informative, but the next game doesn’t care.
Projection
The Monte Carlo projection basically says, “Most of the time this works out fine, but don’t get cocky.” Simulations spit out a median of $2,779 after 15 years from $1,000, but the possible range runs from “barely broke even” to “nice, that worked.” Monte Carlo is just a fancy way of rolling the market dice 1,000 different ways to see what might happen, not what will happen. A 72.8% chance of a positive outcome is decent, yet there’s still a noticeable chunk of scenarios where volatility and bad timing gang up. The portfolio lives squarely in the “growth with mood swings” camp.
Asset classes
- Stocks 100%
Asset class breakdown: 100% stocks, zero chill. There is no safety net here, no bonds, no cash cushion, nothing that might politely lose less in a crash. It’s a pure “own the market and deal with the ride” structure. That’s efficient from a simplicity standpoint, but it also means when stocks sneeze, this portfolio catches pneumonia. Asset class diversification is how people normally smooth the emotional rollercoaster; this one instead chooses to embrace it. It’s cohesive in its intent, at least — unapologetically all-in on equity risk rather than pretending to be anything balanced or conservative.
Sectors
- Technology 22%
- Financials 18%
- Industrials 12%
- Consumer Discretionary 12%
- Health Care 8%
- Energy 7%
- Telecommunications 7%
- Consumer Staples 5%
- Basic Materials 4%
- Utilities 2%
- Real Estate 2%
Sector-wise, the portfolio is basically “market-like with a tech crush.” Technology at 22% leads the pack, with financials and industrials not far behind, so it isn’t doing anything wildly niche. But that top-10 list full of mega tech and platform names shows where the glamour really sits. The small-cap value sleeve quietly drags exposure a bit toward less shiny parts of the market, yet the visible face is still dominated by the usual mega-stars. This is less a handcrafted sector view and more “we’ll take whatever the global market serves,” with a side of grittier smaller companies hiding in the background.
Regions
- North America 71%
- Europe Developed 12%
- Japan 5%
- Asia Developed 4%
- Asia Emerging 4%
- Australasia 1%
- Latin America 1%
- Africa/Middle East 1%
Geographically, this is very much “America first, rest of the world can carpool.” About 71% in North America with a decently scattered remainder across Europe, Japan, and assorted other regions. It’s basically the global market with the usual US gravity pulling everything toward it. There’s at least a token presence almost everywhere, which keeps it from looking embarrassingly provincial, but the US is still clearly the main character. The result is that global diversification exists, but it’s the kind where one region hogs the spotlight while the others just mumble in the background when they occasionally matter.
Market capitalization
- Mega-cap 34%
- Large-cap 25%
- Mid-cap 15%
- Small-cap 15%
- Micro-cap 10%
Market cap exposure looks like a full buffet: 34% mega-cap, 25% large, and then a surprising 40% combined across mid, small, and micro. That 20% small-cap value position is clearly punching above its weight in dragging the size mix down the spectrum. This is not a typical “just hug the index” setup; it’s tilted toward the scruffier, smaller end of town. That can mean more upside during strong, risk-on periods and more “why is everything down harder than the headlines” during stress. In short, mega-caps own the marquee, but the undercard is full of surprisingly rowdy small names.
True holdings
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NV NVIDIA Corporation 3.16%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
AA Apple Inc 2.83%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
MS Microsoft Corporation 2.12%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
AM Amazon.com Inc 1.54%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.30%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
AV Broadcom Inc 1.10%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.09%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.05%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.97%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
TS Tesla Inc 0.81%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total World Stock Index Fund ETF Shares
- Top 10 total 15.97%
The look-through holdings read like the usual mega-cap fan club: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, and friends. No surprise there — that’s what a big global cap-weighted fund buys by default. The interesting bit is how little direct stock picking is happening: there are no single-name bets, just whatever the ETFs drag in. Overlap is high across those top names, but that’s just the price of indexing. The real story is that the headline companies dominate visibility, while the spicy small-cap value sleeve hides in the long tail that isn’t captured in these top-10 snapshots at all.
Factors
Factor-wise, this portfolio has a clear identity: high value and high size tilts. Translation: more cheap-ish, smaller companies than a plain vanilla index. It’s essentially saying “less glamour, more underdogs.” Momentum, quality, yield, and low volatility all sit around neutral, so the only real statement being made is “we like smaller and cheaper.” That’s a deliberate-seeming tilt for a portfolio that otherwise looks brain-dead simple. It also means performance will sometimes feel very off from broad market indexes — when large, expensive darlings run, this setup can look stubbornly old-fashioned, even if the long-term logic isn’t totally absurd.
Risk contribution
-
Vanguard Total World Stock Index Fund ETF Shares
Weight: 80.00% 74.7% -
Avantis® U.S. Small Cap Value ETF
Weight: 20.00% 25.3%
Risk contribution reveals who’s actually rocking the boat, and it’s exactly who you’d expect. The world ETF at 80% weight contributes about 75% of total risk — it’s the steady heavyweight. The small-cap value ETF is only 20% by weight but adds over 25% of the risk, making it the loud friend in the group chat. That 1.26 risk/weight ratio screams “I’m spicier than I look.” The structure is basically: one big diversified engine plus one risky accent piece that makes everything noticeably bumpier for relatively modest additional expected reward. The math says the sidekick brings extra drama per dollar invested.
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 annoyingly refuses to be roastable: it sits basically on the curve. The Sharpe ratio of 0.55 isn’t heroic, but the optimizer can’t dramatically improve things using just these two funds. Max Sharpe and minimum variance options sit nearby, not miles away, so the current weights are broadly efficient for the risk level taken. That means the structure isn’t dumb — it’s just making a conscious trade-off between world exposure and small-cap value spice. Any drag or outperformance over time is coming from the chosen factors and regions, not from a laughably bad risk/return mix.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Vanguard Total World Stock Index Fund ETF Shares 1.70%
- Weighted yield (per year) 1.62%
Dividend yield at 1.62% is basically “pocket money, not rent money.” The world ETF does most of that work; the small-cap value fund contributes, but this isn’t some high-income machine. Instead, the portfolio leans more toward capital growth, with dividends just being a modest side benefit. If someone glanced at the “value” label and expected generous income, this yield is more like a polite nod than a paycheck. It’s consistent with a growth-tilted equity setup: get most of the return from price movement, let dividends mildly sweeten the deal, but don’t pretend they meaningfully soften big drawdowns.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- Weighted costs total (per year) 0.11%
Costs are almost suspiciously reasonable. A blended TER of 0.11% is the financial equivalent of ordering water with your meal — hard to criticize. The world ETF is rock-bottom cheap, and even the 0.25% small-cap value fund isn’t outrageous for what it’s trying to do. Fees are not the villain in this story; if performance disappoints, it won’t be because of a slow bleed from expenses. It’s more likely to be about factor timing or equity risk generally. In other words, someone actually checked the price tag before clicking “buy,” which is rarer than it should be.
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