Growth tilted global equity portfolio with strong value and quality tilts and moderate volatility

Report created on Mar 27, 2026

Risk 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

The portfolio is a pure stock allocation built from five broad and factor-focused ETFs, with no bonds or alternatives. About a third sits in a broad domestic market fund, a quarter in broad international stocks, and the rest in targeted small-cap value and quality strategies. This structure leans heavily into long-term growth, accepting meaningful ups and downs along the way. Because everything is in equities, short-term swings can be sharp, but long-term return potential is higher than mixed stock-bond portfolios. The key takeaway is that this setup makes sense for someone with a long horizon and the emotional ability to sit through sizeable market drops without needing to sell.

Growth Info

From late 2019 to early 2026, $1,000 grew to about $2,098, a compound annual growth rate (CAGR) of 13.4%. CAGR is like your average speed on a long road trip, smoothing out bumps along the way. That trails the US market by about 1 percentage point a year but beats the global market by about 1.5 points annually. The max drawdown near -37% shows the depth of the worst drop, which is steeper than many investors realize until they live through it. Overall, the portfolio has delivered strong growth with slightly higher pain during selloffs than broad benchmarks, which is typical for an all-equity growth approach.

Asset classes Info

  • Stocks
    100%

All holdings are in equities, with 100% exposure to stocks and no allocation to bonds, cash, or alternatives. That makes this a high-octane growth setup: returns can be strong over decades, but short-term volatility and drawdowns will be materially higher than in blended portfolios. Compared with many benchmark “balanced” allocations, this structure is significantly more aggressive. The upside of being fully in equities is maximizing expected long-run growth; the trade-off is the need for a longer horizon and psychological resilience. For someone nearing large cash needs, adding stabilizers like bonds or cash could be considered, but for long-term growth, this equity-only mix is consistent with a growth investor profile.

Sectors Info

  • Technology
    20%
  • Financials
    17%
  • Industrials
    15%
  • Consumer Discretionary
    11%
  • Health Care
    9%
  • Basic Materials
    6%
  • Telecommunications
    6%
  • Consumer Staples
    5%
  • Energy
    5%
  • Real Estate
    3%
  • Utilities
    3%

Sector exposure is reasonably balanced, with technology the largest slice around one-fifth, followed by healthy allocations to financials and industrials. Consumer sectors, health care, and materials also hold meaningful weights, while traditionally defensive areas like utilities and real estate are smaller. Compared with common broad-market benchmarks, the tech share looks substantial but not extreme, especially given today’s index composition. This balance is beneficial because returns are not overly tied to a single theme or industry cycle. However, growth-sensitive sectors still dominate, so the portfolio is likely to do best in environments with economic expansion and may experience larger swings when rates rise or risk appetite falls.

Regions Info

  • North America
    64%
  • Europe Developed
    14%
  • Japan
    8%
  • Asia Developed
    4%
  • Asia Emerging
    4%
  • Australasia
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%

Geographically, about two-thirds of exposure is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and a modest slice in emerging regions. That leans more toward domestic stocks than a pure world market allocation, which typically gives the US a bit over half. The upside is tapping the depth and resilience of US markets, which have led performance in recent years. The flip side is that global diversification is somewhat underused; foreign markets can sometimes outperform for long stretches. Overall, this is a reasonable, US-tilted global approach that balances familiarity with some international diversification to reduce home-country risk.

Market capitalization Info

  • Mega-cap
    28%
  • Mid-cap
    26%
  • Large-cap
    22%
  • Small-cap
    18%
  • Micro-cap
    5%

Market-cap exposure spans the full spectrum: meaningful stakes in mega and large caps, but also hefty allocations to mid, small, and even micro caps. This mix is more diversified by company size than a typical cap-weighted index, which usually skews more heavily to mega and large caps. Smaller companies tend to be more volatile but can offer higher long-term growth potential and different return drivers from giants. That added size exposure aligns well with a growth and factor-tilt philosophy but does increase short-term noise. The overall takeaway is a robust, multi-cap structure that avoids putting all eggs in the very largest companies, while still keeping them as core anchors.

True holdings Info

  • Apple Inc
    2.31%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard U.S. Quality Factor
  • NVIDIA Corporation
    2.22%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    1.59%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    1.10%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    0.99%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.89%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Broadcom Inc
    0.82%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    0.78%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    0.77%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    0.62%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 12.08%

Looking through ETF top holdings, exposure is concentrated in major global companies like Apple, NVIDIA, Microsoft, Amazon, Alphabet, and Tesla. These names show up via the broad market funds rather than direct single-stock bets. Because only ETF top-10 holdings are captured, real overlap is likely higher than shown, especially in popular large growth names. This kind of hidden concentration is common in index-based portfolios and isn’t necessarily a problem, but it does mean the portfolio will be quite sensitive to large moves in a handful of mega-cap stocks. Being aware of that dynamic helps set expectations when headlines focus on a few big companies.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 26%
Size
Exposure to smaller companies
Very high
Data availability: 74%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Very high
Data availability: 12%
Yield
Preference for dividend-paying stocks
No data
Data availability: 0%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure is where this portfolio really stands out. There are strong tilts to value, size (smaller companies), and quality, with moderate momentum and low-volatility exposure. Factor investing targets characteristics research has linked to long-run returns; think of factors as the “ingredients” behind performance. A value tilt means favoring cheaper stocks relative to fundamentals, size tilts toward smaller firms, and quality emphasizes financially healthier businesses. This blend tends to do well over full cycles but can lag when growth or mega-cap themes dominate. Compared with a neutral market-weight baseline, these tilts are pronounced and intentional-looking, potentially enhancing long-term returns while diversifying away from pure mega-cap growth risk.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 36.00%
    36.6%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 26.00%
    23.4%
  • Vanguard Small-Cap Value Index Fund ETF Shares
    Weight: 13.00%
    15.3%
  • Vanguard U.S. Quality Factor
    Weight: 12.00%
    12.9%
  • Avantis® International Small Cap Value ETF
    Weight: 13.00%
    11.8%

Risk contribution shows how much each holding drives overall ups and downs, which can differ from simple weight. The broad US market fund is about 36% of the portfolio but contributes roughly 37% of risk, very much in line with its size. International broad equity and the factor funds each contribute risk roughly in proportion to their weights, with small-cap value slightly punchier than its allocation suggests. The top three holdings make up about 75% of total risk, which is normal for a compact, five-ETF lineup. Overall, risk is well spread across the main building blocks, and there are no single positions dominating volatility in a worrying way.

Redundant positions Info

  • Vanguard Small-Cap Value Index Fund ETF Shares
    Vanguard U.S. Quality Factor
    High correlation

Correlation measures how often assets move together; a value near 1 means they often rise and fall in sync, while lower or negative values mean more offsetting behavior. Here, the most notable pair is the small-cap value ETF and the US quality factor ETF, which are highly correlated. That indicates these two funds behave quite similarly in many environments, reducing the diversification benefit you might expect from holding both. High correlation isn’t inherently bad, but it limits risk reduction when markets drop broadly. The upside is that the broad US and international funds still bring geographic diversification, which can soften the impact of localized shocks.

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 risk–return chart shows the portfolio delivering about 13.5% expected return with 19.7% volatility, giving a Sharpe ratio of 0.59. The efficient frontier represents the best risk/return mixes achievable using only these same holdings at different weights. Here, the optimal portfolio on that curve has a higher Sharpe ratio around 0.75, with similar or slightly lower risk and notably higher expected return. That means the current mix sits below the efficient frontier, leaving some potential on the table. Reweighting among the existing ETFs—without adding new products—could improve the tradeoff, either boosting expected return at similar risk or lowering risk for similar return.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.10%
  • Vanguard Small-Cap Value Index Fund ETF Shares 1.90%
  • Vanguard U.S. Quality Factor 1.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • Weighted yield (per year) 2.01%

The overall dividend yield around 2% provides a modest income stream while keeping the focus on capital growth. Some pieces, like the international small-cap value and broad international funds, have higher yields near or above 3%, reflecting more mature or value-oriented companies. Others, like quality and total US market, sit closer to 1–1.2%, consistent with reinvestment-driven growth companies. For a growth-minded investor, this blend is sensible: dividends add a steady component to total return without sacrificing exposure to reinvested earnings. Reinvesting those dividends over time can significantly boost long-term compounding, even if the cash yield doesn’t look high on its own.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard U.S. Quality Factor 0.13%
  • 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%

Costs are impressively low, with a total expense ratio around 0.10%. That’s well below the average for actively managed funds and even beats many ETF portfolios. Low fees matter because they come off returns every year, like a small drag on your investment engine. Over decades, the difference between 0.10% and, say, 0.80% can mean thousands of dollars on the same starting amount. This cost profile is a real strength and aligns closely with best practices for long-term investing. Keeping fees this low frees up more of the portfolio’s gross returns to compound in your favor, supporting better outcomes without taking extra risk.

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