Concentrated three fund equity portfolio mixing global diversification small value and tech growth
Report created on Jun 13, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 34.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 33.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 33.00%
This portfolio is a simple three‑fund mix, with everything invested in stocks. Each ETF carries roughly one‑third of the weight, but they play very different roles: a broad international stock fund, a US small‑cap value fund, and a NASDAQ 100 tracker. Structurally, this blends global diversification, smaller value companies, and large growth‑oriented names in one package. A concentrated lineup like this is easy to understand and manage because there are few moving parts. At the same time, because every holding is sizeable, any sharp move in a single ETF will noticeably affect the whole portfolio. The growth‑oriented risk classification and mid‑high risk score align with a portfolio that is fully in equities and fairly concentrated.
Growth
One or more local-currency benchmark funds are unavailable for this report.
From late 2020 to mid‑2026, a hypothetical $1,000 in this portfolio grew to about $2,421. That works out to a Compound Annual Growth Rate (CAGR) of 16.96%, compared with 13.66% for the global market benchmark, meaning significantly stronger growth over this specific window. The worst peak‑to‑trough drop, or max drawdown, was about ‑26%, very similar to the global market’s worst decline in this period. This shows that the portfolio captured more upside without taking meaningfully deeper historical drawdowns. However, this strong result is tied to a favorable stretch for both small‑cap value and large growth stocks. As always, past performance is a backward‑looking snapshot, not a promise about what happens next.
Projection
The Monte Carlo projection uses many random simulations based on historical returns and volatility to estimate a range of future outcomes. Think of it as replaying the past with the numbers shuffled thousands of times to see many possible 15‑year paths. Here, the median outcome turns $1,000 into about $2,739, with a wide “likely” middle range between roughly $1,751 and $4,261. There are also more extreme but less common paths, from about $948 to $7,721. The average simulated annual return across all paths is 8.11%. These numbers are useful to understand potential variability, not guarantees. They assume that future patterns somewhat resemble the past, which may not hold if market conditions or economic regimes change meaningfully.
Asset classes
- Stocks 100%
All of this portfolio sits in one asset class: stocks. There are no bonds, cash, or alternatives included. A 100% equity allocation usually means greater long‑term growth potential, but also larger and more frequent swings in value compared with mixed stock‑and‑bond portfolios. Here, diversification happens within equities by mixing different types of stocks rather than by combining different asset classes. That structure aligns with its “growth” label and higher risk score. It also means that during broad equity sell‑offs, there is no built‑in buffer from less volatile asset types. The global stock benchmark used for comparison is also equity‑only, so the portfolio’s behavior versus that yardstick is an apples‑to‑apples stock comparison.
Sectors
- Technology 28%
- Financials 16%
- Consumer Discretionary 13%
- Industrials 11%
- Energy 7%
- Telecommunications 7%
- Consumer Staples 5%
- Health Care 5%
- Basic Materials 5%
- Utilities 1%
- Real Estate 1%
Sector‑wise, the portfolio is clearly tilted toward Technology at 28%, with Financials, Consumer Discretionary, and Industrials also playing meaningful roles. More defensive sectors like Health Care, Consumer Staples, Utilities, and Real Estate are present but at much lower weights. Compared with broad global equity benchmarks, this mix leans more toward growth‑sensitive areas and less toward traditionally stable, defensive sectors. Tech‑heavy exposure often does well in innovation‑driven or low‑rate environments but can experience sharper drawdowns if interest rates rise or sentiment turns against high‑growth companies. The presence of Financials, Industrials, and Energy adds some cyclical balance, but the overall sector profile still points to a portfolio that will likely move strongly with economic and market optimism.
Regions
- North America 68%
- Europe Developed 13%
- Asia Developed 5%
- Japan 5%
- Asia Emerging 5%
- Australasia 2%
- Latin America 1%
- Africa/Middle East 1%
Geographically, about 68% of the portfolio sits in North America, with Europe Developed at 13% and the rest spread across Japan, other developed Asia, emerging Asia, and smaller regions. This is a clear US‑tilt compared with global equity indices, where North America generally represents a bit over half of total market value. The Vanguard international fund broadens exposure beyond the US, giving stakes in Europe, Asia, and emerging markets, which can help when different regions go through distinct economic cycles. At the same time, the heavy North American share means portfolio results are still tightly linked to US market performance and the US dollar. This concentration aligns with recent outperformance but also ties outcomes to one main region.
Market capitalization
- Mega-cap 34%
- Large-cap 22%
- Small-cap 18%
- Micro-cap 16%
- Mid-cap 10%
By market capitalization, the portfolio holds a mix of mega‑cap giants and much smaller companies. Mega‑caps make up 34% and large‑caps 22%, so over half is in big, established firms. At the same time, small‑caps (18%) and micro‑caps (16%) together account for more than a third of the portfolio, with mid‑caps rounding out the rest. This is a stronger tilt toward smaller companies than a typical global market index, which is usually dominated by large and mega‑cap names. Smaller stocks tend to be more volatile and more sensitive to economic shifts, but historically have sometimes offered higher long‑run return potential. This blend means the portfolio can behave differently from standard large‑cap‑dominated benchmarks, especially in periods when small companies diverge from big ones.
True holdings
-
NV NVIDIA Corporation 2.76%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AA Apple Inc 2.33%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
MS Microsoft Corporation 1.64%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
MU Micron Technology Inc 1.59%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AM Amazon.com Inc 1.43%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.31%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
AM Advanced Micro Devices Inc 1.17%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
GO Alphabet Inc Class A 1.16%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
TS Tesla Inc 1.08%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
-
GO Alphabet Inc Class C 1.08%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 15.53%
The look‑through data, based on ETF top‑10 holdings, shows notable concentration in a handful of large growth names like NVIDIA, Apple, Microsoft, Amazon, and Alphabet. Each of these single stocks sits around 1–3% of the total portfolio when aggregating across ETFs, even though there’s no direct single‑stock position. This reflects overlap between the NASDAQ 100 fund and the international index fund, particularly in global mega‑cap technology and communication companies. Because only top‑10 ETF holdings are used, this overlap is likely understated. Hidden concentration like this is important: on the surface it looks like three funds, but under the hood, a relatively small group of big names can significantly influence returns when they rally or sell off together.
Factors
Factor exposure is mostly balanced across value, momentum, quality, yield, and low volatility, all sitting in a neutral, market‑like range. The standout is size, at 63%, which indicates a mild tilt toward smaller companies compared with a broad market baseline of 50%. Factors are like underlying “ingredients” that help explain why portfolios behave a certain way over time. A size tilt means returns may be more influenced by how small‑ and mid‑cap stocks perform relative to larger peers. This can boost results in periods when smaller companies outperform but can also mean deeper or more frequent swings when those areas are out of favor. The neutral readings elsewhere suggest no strong biases toward classic value, high‑dividend, or low‑volatility styles.
Risk contribution
-
Avantis® U.S. Small Cap Value ETF
Weight: 33.00% 37.2% -
Invesco NASDAQ 100 ETF
Weight: 33.00% 35.7% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 34.00% 27.1%
Risk contribution shows how much each holding adds to total portfolio volatility, which can differ from its weight. Here, the small‑cap value ETF is 33% of the portfolio but contributes about 37% of overall risk, while the NASDAQ 100 ETF is similarly sized at 33% and contributes around 36% of risk. The international fund, despite being the largest weight at 34%, contributes only 27% of risk. This pattern indicates that the more volatile small‑cap and NASDAQ growth sleeves drive a disproportionate share of the portfolio’s ups and downs. When those areas move sharply, the whole portfolio tends to react strongly, while the broad international fund plays a relatively stabilizing role despite its higher allocation.
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 indicates that this portfolio sits on or very near the frontier, meaning its mix of holdings delivers an efficient balance of risk and return given these three ETFs. The current portfolio’s Sharpe ratio is 0.75, while the mathematically “optimal” mix of the same funds shows a higher Sharpe of 0.94 with slightly more risk and return. The minimum variance portfolio has lower risk but also lower expected return and a slightly lower Sharpe than the current mix. The Sharpe ratio, which compares excess return to volatility, helps measure risk‑adjusted performance. Being close to the frontier suggests the existing allocation already uses these building blocks in a way that’s broadly consistent with efficient portfolio theory.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.60%
- Invesco NASDAQ 100 ETF 0.40%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.58%
The portfolio’s overall dividend yield is about 1.58%, blending a relatively high yield from the international fund (2.70%), a moderate yield from the small‑cap value ETF (1.60%), and a very low yield from the NASDAQ 100 ETF (0.40%). Income therefore plays a secondary role here; most expected return comes from price changes rather than regular cash distributions. Dividends can help smooth long‑term returns and provide some cash flow, but lower‑yielding growth holdings often reinvest more profits back into the business instead of paying them out. This pattern fits a growth‑oriented stock mix. It also means that in flat markets, the portfolio may feel more dependent on capital gains than a higher‑yield, income‑focused equity allocation.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.15%
The portfolio’s average ongoing cost, or Total Expense Ratio (TER), sits at a low 0.15%. That’s driven by the very cheap international index ETF at 0.05%, combined with modest fees on the small‑cap value (0.25%) and NASDAQ 100 (0.15%) funds. Costs act like a small headwind every year, so keeping them contained leaves more of the portfolio’s gross return in the investor’s hands. Over long periods, even a few tenths of a percent can compound into noticeable differences in ending wealth. Here, the overall fee level is impressively low for a portfolio that blends passive indexing with a more specialized small‑cap value strategy, providing a solid structural foundation from a cost perspective.
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