Faith based stocks with index level risk and a suspicious love of expensive active funds
Report created on Aug 17, 2026Risk profile
4/7
Diversification profile
3/5
Positions
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CA Global X S&P 500® Catholic Values ETF
CATH - US37954Y8892 70.00% -
CE Global X S&P Catholic Values Developed ex-U.S. ETF
CEFA - US37954Y3687 15.00% -
AV AVE MARIA RISING DIVIDEND FUND AVE MARIA RISING DIVIDEND FUND
AVEDX - US8085306046 10.00% -
AV AVE MARIA VALUE FUND AVE MARIA VALUE FUND
AVEMX - US8085302086 5.00%
This portfolio is basically “S&P 500 Catholic edition” with a couple of pricey Ave Maria side quests tacked on. Seventy percent in one US-screened ETF dominates everything, with a token 15% in a similar ex-US screened ETF, and two small active funds for flavor. It looks diversified on the surface, but under the hood it’s one giant bet on a single screening philosophy plus some high-fee stock picking. Structurally, this is a three-legged stool: one huge leg, one medium leg, and two decorative legs pretending to matter. The result is a portfolio that acts like a slightly tweaked US index fund while charging more and complicating the story for no real structural benefit.
Growth
Historically, the portfolio has done “fine but not impressive” for the risk it took. Turning $1,000 into $2,494 with a 17.18% CAGR looks great until the US market walks in with 19.34% and basically the same drawdown. That -25.41% max drawdown means it fell just as hard as a plain-vanilla index, only with less payoff. It did slightly beat the global market, but that’s mostly the US tilt doing the work, not some hidden magic. CAGR (compound annual growth rate) is like your average speed on a road trip — this one drove fast, but slower than the car it’s trying to imitate. Past performance is yesterday’s weather: informative, not prophetic.
Projection
The Monte Carlo simulation basically says, “This thing behaves like a normal equity portfolio, no miracles included.” Monte Carlo is just a fancy way of rolling the dice 1,000 times on future returns to see a range of outcomes instead of one guess. Median outcome around $2,801 from $1,000 in 15 years is decent, but the range from $948 to $8,221 shows how wild the ride can be. The 73.5% chance of ending positive is nice, but nowhere near guaranteed-happy. The 8.15% annualized return across all simulations screams “generic stock risk, generic stock payoff,” not “divinely optimized.” It’s standard equity volatility wrapped in niche branding.
Asset classes
- Stocks 100%
Asset class breakdown is as subtle as a brick: 100% stocks, 0% anything else. For a portfolio labeled “Balanced,” this is hilariously unbalanced at the top level. No bonds, no cash sleeve, no alternatives — just pure equity beta from wall to wall. That’s great for drama and less great for smoothing out the ride when markets throw tantrums. Asset classes are like food groups; this plate is pure protein with no carbs or veggies. The “Balanced” tag here is doing some heavy lifting in marketing terms, not in actual asset mix reality. All-in stocks means you signed up for full equity roller coaster, whether you meant to or not.
Sectors
- Technology 32%
- Financials 15%
- Industrials 12%
- Health Care 8%
- Consumer Discretionary 8%
- Telecommunications 7%
- Energy 6%
- Consumer Staples 5%
- Basic Materials 2%
- Consumer Discretionary 2%
- Utilities 2%
- Real Estate 2%
Sector-wise, this portfolio is nursing a 32% tech habit, with financials and industrials trailing behind like backup dancers. For something built on values screens, it still ends up worshipping at the altar of big tech and friends. Once you add in telecom and consumer discretionary, you get a very growth-and-cyclicals-flavored pie. Defensive sectors like utilities and staples are tiny side notes, more garnish than protection. Sector diversification matters because when one big theme blows up, you want others to quietly keep the lights on. Here, if high-growth and economically sensitive areas stumble together, there isn’t much of a defensive backbone to politely disagree.
Regions
- North America 84%
- Europe Developed 9%
- Japan 4%
- Australasia 1%
- Asia Developed 1%
Geographically, this portfolio is basically “USA plus a few stamps in the passport to look cultured.” North America at 84% is a full-on home bias, with Europe, Japan, and the rest of developed markets tossed in at diet portions. This isn’t global equity; it’s US equity with a sprinkling of foreign window dressing. That’s fine if you consciously want it, but let’s not pretend this is truly international. Geography diversification matters because different markets mess up at different times. Here, if the US sneezes, the whole thing catches a cold and the tiny non-US pieces aren’t big enough to matter in either direction.
Market capitalization
- Mega-cap 39%
- Large-cap 34%
- Mid-cap 22%
- Small-cap 3%
- Micro-cap 2%
Market cap exposure is heavily skewed toward the giants: 39% mega-cap, 34% large-cap, and mid/small/micro collectively feeling like background extras. This is basically a worship service for mega brands with a few smaller names invited so it doesn’t look embarrassing on the brochure. A cap profile like this usually just means “I cloned the index and called it a day,” which is exactly what the big ETF chunk is doing. Smaller caps aren’t absent, but at 5% combined for small and micro, they’re too tiny to really move the needle. The portfolio’s behavior will be dictated by the biggest, most widely owned companies on earth.
True holdings
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NV NVIDIA Corporation 5.98%
Part of fund(s):- Global X S&P 500® Catholic Values ETF
-
AA Apple Inc. 4.92%
Part of fund(s):- Global X S&P 500® Catholic Values ETF
-
MS Microsoft Corporation 4.05%
Part of fund(s):- Global X S&P 500® Catholic Values ETF
-
AM Amazon.com Inc 2.74%
Part of fund(s):- Global X S&P 500® Catholic Values ETF
-
AV Broadcom Inc 2.17%
Part of fund(s):- Global X S&P 500® Catholic Values ETF
-
GO Alphabet Inc Class A 2.12%
Part of fund(s):- Global X S&P 500® Catholic Values ETF
-
GO Alphabet Inc Class C 1.70%
Part of fund(s):- Global X S&P 500® Catholic Values ETF
-
ME Meta Platforms Inc. 1.37%
Part of fund(s):- Global X S&P 500® Catholic Values ETF
-
MU Micron Technology Inc 1.18%
Part of fund(s):- Global X S&P 500® Catholic Values ETF
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JP JPMorgan Chase & Co 1.16%
Part of fund(s):- Global X S&P 500® Catholic Values ETF
- Top 10 total 27.39%
Look-through holdings show the usual mega-cap suspects running the show: Nvidia, Apple, Microsoft, Amazon, Alphabet, Meta, etc. You’ve basically built a fan club for the Magnificent Everything, just with an ethical label on top. Nvidia near 6% and Apple near 5% already hint at meaningful concentration in a few names, and that’s only from the top 10 ETF holdings, covering less than a third of the full portfolio. Overlap is understated here, which means the real exposure to these giants is likely even higher. Hidden concentration like this turns “diversified funds” into “different wrappers for the same handful of stocks.”
Factors
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.
Factor exposure shows a clear tilt toward value at 62%, while size sits at 38%, meaning a lean away from smaller companies. Factors are the hidden flavors — value, size, momentum, etc. — that explain why portfolios behave differently. Here, you’ve got a slightly old-school flavor: more love for undervalued or cheaper names, less for small, scrappy ones. Momentum, quality, and low volatility are basically neutral, so there’s no strong bet on “fast climbers,” “high quality,” or “super stable” stocks. Yield is low at 37%, so despite the “rising dividend” branding in one fund, this isn’t actually a high-income factor play. It’s a restrained value tilt hiding in a mostly mainstream wrapper.
Risk contribution
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Global X S&P 500® Catholic Values ETF
Weight: 70.00% 74.9% -
Global X S&P Catholic Values Developed ex-U.S. ETF
Weight: 15.00% 12.2% -
AVE MARIA RISING DIVIDEND FUND AVE MARIA RISING DIVIDEND FUND
Weight: 10.00% 8.5% -
AVE MARIA VALUE FUND AVE MARIA VALUE FUND
Weight: 5.00% 4.4%
Risk contribution is brutally simple: the S&P 500 Catholic Values ETF is the boss. At 70% weight and nearly 75% of the risk, it’s the main character; everything else is set dressing. The top three positions deliver over 95% of total risk, so those extra funds are mostly there for moral support, not actual impact. Risk contribution measures who’s really shaking the portfolio when markets move, and here it’s basically one ETF doing the heavy lifting. When that core fund has a bad year, the rest will barely soften the blow. This isn’t a team effort; it’s a solo act with backup singers.
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 risk/return chart, the portfolio is sitting almost 2 percentage points below the efficient frontier at its current risk. The efficient frontier is the curve of “best possible return for each level of risk” using the existing ingredients. Being below it means this mix is leaving performance on the table for the volatility it takes. Sharpe ratio of 0.8 versus 1.12 for the optimal combo is a polite way of saying “these weights are not pulling their weight.” The funny part? You could shuffle only the current holdings and mathematically get more return for similar risk. The pieces aren’t the issue — the proportions are.
Dividends
- AVE MARIA RISING DIVIDEND FUND AVE MARIA RISING DIVIDEND FUND 5.20%
- AVE MARIA VALUE FUND AVE MARIA VALUE FUND 0.30%
- Global X S&P 500® Catholic Values ETF 0.70%
- Global X S&P Catholic Values Developed ex-U.S. ETF 2.60%
- Weighted yield (per year) 1.42%
For something featuring a “Rising Dividend” fund with a 5.2% yield, the portfolio’s total yield at 1.42% is almost comically underwhelming. It’s like advertising a dessert menu and then serving a single sugar cube. Most of the capital is parked in broad-market-style ETFs with modest yields, so the income fund is basically shouting into the void. Dividends are just cash payments from companies, and here they’re clearly not the main event. Income as a theme is mostly cosmetic: one high-yield sleeve surrounded by a sea of low to average payers. Anyone expecting a serious cash flow stream from this setup would be squinting at the numbers pretty hard.
Ongoing product costs
- AVE MARIA RISING DIVIDEND FUND AVE MARIA RISING DIVIDEND FUND 0.90%
- AVE MARIA VALUE FUND AVE MARIA VALUE FUND 0.92%
- Global X S&P 500® Catholic Values ETF 0.29%
- Global X S&P Catholic Values Developed ex-U.S. ETF 0.35%
- Weighted costs total (per year) 0.39%
Costs are the quiet little sting in this portfolio. A 0.39% total TER isn’t outrageous, but it’s definitely not “cheap index” territory either. The real culprits are the Ave Maria mutual funds at 0.90% and 0.92%, playing premium-price stock picker inside an otherwise ETF-focused setup. Meanwhile, the core ETFs charge a more reasonable 0.29% and 0.35%, which is still not the rock-bottom you see elsewhere. Fees are like a slow leak in a tire — you don’t feel it day one, but over years, it quietly flattens performance. This is paying semi-premium pricing for results that mostly mimic standard equity risk.
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