Broad global equity portfolio with strong value tilt and efficient risk return tradeoff
Report created on Jul 22, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 55.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 10.00%
This portfolio is made up of four stock ETFs, all in equities and all in broad, diversified funds. Over half sits in a total US market ETF, about a fifth in a total international ETF, and the remaining third is split between US and international small-cap value funds. So the core is simple “own the whole market,” with an extra layer focused on smaller, cheaper companies. A 100% stock mix leans toward growth and higher volatility compared with blends that include bonds. Structurally, this is a straightforward, rules-based setup with no single fund dominating beyond the main US core position. That creates a clear, understandable foundation while still allowing for some targeted tilts.
Growth
From late 2019 to mid-2026, $1,000 in this portfolio grew to about $2,551, which is a compound annual growth rate (CAGR) of 14.78%. CAGR is like your average yearly “cruising speed,” smoothing out the bumps along the way. The portfolio slightly lagged the US market benchmark but beat the global market benchmark over this period. Its worst drop, or max drawdown, was about -37% during early 2020, a bit deeper than the benchmarks’ declines. That kind of fall is typical for an all‑equity, growth‑oriented mix. Also notable: 90% of returns came from just 23 trading days, underscoring how missing a few strong days can dramatically change long‑term results.
Projection
The Monte Carlo projection uses many simulations to imagine thousands of possible future paths based on past return and volatility patterns. Think of it like rolling virtual dice 1,000 times to see a range of outcomes for the next 15 years. Here, the median outcome turns $1,000 into about $2,768, with a “middle” range of roughly $1,866 to $4,122 and a wide 5–95% band from $947 to $7,594. The average simulated annual return is 8.04%, and about three‑quarters of scenarios end positive. These numbers aren’t forecasts or guarantees; they just show how uncertain equity returns can be, even when the long‑run average looks attractive.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with no allocation to bonds, cash, or alternatives. That creates a clear, growth‑focused profile: returns are driven entirely by the global equity markets. In calm or rising markets, a 100% stock allocation can participate fully in upside, but it also means there’s no built‑in cushion from safer assets during big downturns. Compared with blended portfolios that mix in bonds, this structure typically experiences larger swings in both directions. The combination of total market funds plus dedicated small‑cap value funds spreads equity exposure across company sizes and styles, but it does not diversify across fundamentally different asset classes.
Sectors
- Technology 26%
- Financials 17%
- Industrials 13%
- Consumer Discretionary 11%
- Health Care 8%
- Telecommunications 6%
- Energy 6%
- Basic Materials 5%
- Consumer Staples 4%
- Real Estate 2%
- Utilities 2%
Sector exposure is reasonably broad, with technology at about 26%, followed by financials, industrials, and consumer discretionary. No single sector overwhelms the portfolio, but tech does have a noticeable lead, which is common in modern equity markets. Tech‑heavy portfolios can be more sensitive to interest rate changes and innovation cycles, so they may see sharper moves in periods when those factors dominate. At the same time, meaningful allocations to financials, industrials, and other cyclical areas introduce different economic drivers. Overall, this sector mix looks well‑balanced relative to broad market benchmarks, which is a strong indicator that the portfolio isn’t narrowly concentrated in one corner of the economy.
Regions
- North America 72%
- Europe Developed 11%
- Japan 6%
- Asia Developed 4%
- Asia Emerging 3%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, around 72% of the portfolio is in North America, with the rest spread across Europe, Japan, other developed Asia, emerging Asia, and smaller allocations to Australasia, Latin America, and Africa/Middle East. This is a clear US‑leaning global equity portfolio, similar to many world indices that are heavily weighted toward US companies. A North America tilt can benefit when that region leads global markets, but it also means portfolio results depend heavily on one economy and one currency. The presence of meaningful non‑US exposure still adds useful diversification, since different regions can perform differently depending on growth, policy, and currency trends.
Market capitalization
- Mega-cap 31%
- Large-cap 23%
- Mid-cap 20%
- Small-cap 16%
- Micro-cap 9%
The portfolio covers the full company‑size spectrum: about 31% in mega‑caps, 23% in large‑caps, 20% in mid‑caps, 16% in small‑caps, and 9% in micro‑caps. That’s much broader than a pure large‑cap index and reflects the explicit small‑cap value allocations layered on top of total market funds. Smaller companies often have higher risk and more volatile prices, but they also provide different drivers of return than dominant mega‑caps. A mix across sizes means the portfolio is not overly reliant on a handful of giants. It also tends to react differently across market cycles, as small and micro‑caps can lag during stress but sometimes lead during strong recoveries and early‑cycle periods.
True holdings
-
NV NVIDIA Corporation 3.48%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc. 3.21%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.10%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.74%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.58%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.35%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.25%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 0.98%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.94%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 0.90%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 17.53%
Looking through to the largest underlying holdings, the biggest individual exposures include NVIDIA, Apple, Microsoft, Amazon, and Alphabet, all sourced via ETFs rather than direct stock positions. The top names together account for several percent of the portfolio, mainly driven by the total US market fund. There is some overlap where the same company appears in multiple ETFs, which can create hidden concentration, but here that pattern is expected given broad market funds. Coverage only reflects ETF top‑10 holdings, so actual overlap is likely higher in practice. Still, even these partial data show that mega‑cap growth names are meaningful drivers of returns inside an otherwise value‑tilted structure.
Factors
Factor exposure shows a strong tilt toward value at 63%, while size, momentum, quality, yield, and low volatility all sit in the neutral band around 50%. Factors are like underlying “personality traits” of stocks that research links to long‑term performance patterns. A value tilt means the portfolio leans toward companies that look cheap relative to fundamentals, rather than those priced for high growth. Historically, value has gone through long cycles of out‑ and under‑performance versus the broad market. This tilt suggests the portfolio may behave differently from a pure market index, potentially lagging during growth‑driven rallies and looking relatively stronger in periods when cheaper, more cyclical companies come back into favor.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 55.00% 54.9% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 18.8% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 17.5% -
Avantis® International Small Cap Value ETF
Weight: 10.00% 8.7%
Risk contribution measures how much each holding drives overall ups and downs, which can differ from its weight. Here, the total US market ETF is 55% of the portfolio and contributes almost exactly 55% of the risk, so its risk/weight ratio is 1.00. The US small‑cap value ETF, at 15% weight, contributes nearly 19% of risk, with a higher risk/weight ratio of 1.25, reflecting the greater volatility of small‑cap value stocks. The two international funds contribute slightly less risk than their weights. The top three holdings together drive over 91% of total risk, showing that position sizing and volatility combine to make the core US funds the main risk engines.
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 analysis shows this portfolio sits on or very near the frontier, meaning it offers a strong balance of risk and return given its specific holdings. The Sharpe ratio—return earned per unit of risk above cash—is 0.6 for the current mix, compared with 0.8 for the optimal combination of the same ETFs and 0.69 for the minimum‑risk mix. The current portfolio’s risk and return are quite close to both alternatives, which is encouraging. An efficient frontier doesn’t say whether the risk level is high or low in absolute terms; it just shows how effectively that risk is being used relative to what’s possible with the existing building blocks.
Dividends
- Avantis® International Small Cap Value ETF 2.80%
- Avantis® U.S. Small Cap Value ETF 1.20%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.60%
- Weighted yield (per year) 1.58%
The overall dividend yield of the portfolio is around 1.58%, combining lower‑yielding total US stocks with higher‑yielding international and small‑cap value holdings. Dividend yield is the cash income as a percentage of the investment, paid out by the underlying companies through the ETFs. Here, the biggest contribution to yield comes from the international small‑cap value and total international funds, both above 2.5%. The US total market and US small‑cap value funds yield closer to 1%. For a 100% equity, growth‑oriented mix, this is a modest but meaningful source of return, with most of the long‑term performance still expected to come from price appreciation rather than income.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- 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) 0.10%
The blended total expense ratio (TER) of this portfolio is very low at about 0.10% per year. TER is the annual fee charged by the ETFs, expressed as a percentage of assets—like a small skim taken each year to run the funds. The Vanguard core funds are extremely cheap at 0.03% and 0.05%, while the more specialized Avantis small‑cap value funds cost more but still sit in a reasonable range for that category. Over long periods, lower costs leave more of any market returns in the investor’s pocket. This cost profile is impressively low for a portfolio that combines broad indexing with targeted factor tilts.
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