Broad equity index core with a clear value tilt and efficient risk adjusted performance
Report created on Sep 16, 2026Risk profile
4/7
Diversification profile
5/5
Positions
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SP State Street® SPDR® Portfolio S&P 500® ETF
SPYM - US78464A8541 60.00% -
AV Avantis International Large Cap
AVIV - US0250723642 15.00% -
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 a four‑ETF equity mix anchored by a low‑cost S&P 500 fund at 60%, with the remaining 40% in Avantis funds targeting international large caps plus US and international small cap value. So the core is broad US large caps, with a deliberate tilt toward smaller and cheaper‑priced companies around the world. Structurally, this is a straightforward, buy‑and‑hold style setup rather than a complex trading strategy. A concentrated list of funds, especially broad, rules‑based ones, can make the portfolio easier to understand and monitor. Here, the combination of a plain S&P 500 core and three systematic value‑tilted funds creates a relatively simple but purposeful structure.
Growth
From late 2021 to mid‑2026, $1,000 grew to about $1,884, which is a Compound Annual Growth Rate (CAGR) of 13.69%. CAGR is like average speed on a road trip: it smooths all the bumps into one yearly figure. Over this stretch, performance was almost identical to the US market and ahead of the global market. The portfolio’s worst peak‑to‑trough fall was about ‑23.7%, slightly smaller than both comparison benchmarks. It took around 10 months to recover back to the prior high once the bottom was in. That mix of strong growth with somewhat cushioned drawdowns suggests a risk/return profile that has held up well in a choppy period, though of course past returns are not a promise.
Projection
The Monte Carlo projection uses the portfolio’s historical behavior to simulate many possible 15‑year paths. Monte Carlo is basically a “what if” engine: it runs 1,000 alternate futures, each with random ups and downs drawn from past volatility and returns. The median outcome shows $1,000 growing to about $2,771, with a wide middle band from roughly $1,817 to $4,227. There’s also a meaningful chance of both much lower and much higher results, which the 5–95% range captures. An average simulated annual return of 8.16% lines up with a moderate‑risk equity mix. These numbers highlight how even one portfolio can lead to very different results depending on future market paths, so they’re best read as a range of feasible outcomes, not a forecast.
Asset classes
- No data 60%
- Stocks 40%
The asset‑class breakdown shows 40% clearly tagged as stocks and 60% labeled “No data,” which simply means the source doesn’t specify the classification for that slice. Since the instructions say not to speculate about what “No data” contains, the analysis can only focus on the disclosed 40% equity piece. Within that visible equity portion, the portfolio clearly leans on diversified stock ETFs rather than niche strategies. The practical takeaway is that the measured piece is a straightforward equity exposure. Because a large part is unclassified, though, any conclusions about overall asset‑class diversification should be taken with caution; the unseen segment could make the portfolio more or less diversified than it appears from the stock slice alone.
Sectors
- Financials 10%
- Industrials 7%
- Consumer Discretionary 6%
- Energy 5%
- Basic Materials 5%
- Technology 2%
- Consumer Staples 2%
- Health Care 2%
- Telecommunications 1%
Sector data for the equity portion shows a spread across financials, industrials, consumer sectors, energy, materials, technology, staples, health care, and telecoms, with financials being the largest visible slice at 10%. Technology appears relatively small at 2% in this view, which likely reflects that a big part of the portfolio is in the “No data” bucket rather than a genuine lack of tech exposure. A broad mix of sectors can help reduce the impact if any one part of the economy slows down. The visible distribution here broadly echoes a diversified equity lineup, which is consistent with the underlying index‑style funds and suggests the portfolio is not narrowly focused on any single industry theme.
Regions
- North America 18%
- Europe Developed 12%
- Japan 6%
- Australasia 2%
- Asia Developed 1%
- Africa/Middle East 1%
Geographic data shows exposure spread across North America, developed Europe, Japan, Australasia, developed Asia, and a small slice in Africa/Middle East. North America is the largest visible piece at 18%, followed by Europe at 12% and Japan at 6%. Compared with a global market index, this looks like a balanced developed‑markets footprint in the part of the portfolio that’s classified, rather than a one‑country bet. Having multiple regions represented can help if one economy faces a long slump while others do better. Because a majority of the portfolio is in “No data,” this view underreports the actual geographic mix, but the disclosed part lines up well with a broad, globally diversified equity approach.
Market capitalization
- Small-cap 11%
- Mid-cap 10%
- Micro-cap 8%
- Mega-cap 6%
- Large-cap 5%
The market‑cap breakdown shows meaningful exposure across the spectrum: small caps at 11%, mid caps at 10%, micro caps at 8%, and then mega and large caps at 6% and 5%. This is a more even spread than a typical global index, which is usually dominated by large and mega‑cap names. Smaller companies tend to be more volatile but historically have offered higher growth potential, while bigger firms often provide more stability. That mix matches the portfolio design: a large‑cap S&P 500 core combined with small cap value funds. The result is a structure that can capture different parts of the equity market cycle rather than leaning almost entirely on the largest companies.
True holdings
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NV NVIDIA Corporation 4.52%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
AA Apple Inc. 4.22%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
MS Microsoft Corporation 3.21%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
AM Amazon.com Inc 2.47%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
GO Alphabet Inc Class A 1.94%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
AV Broadcom Inc 1.72%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
GO Alphabet Inc Class C 1.57%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
ME Meta Platforms Inc. 1.14%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
JP JPMorgan Chase & Co 0.88%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
BR Berkshire Hathaway Inc 0.87%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
- Top 10 total 22.55%
Looking through the ETFs, the top visible holdings are familiar large US names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, JPMorgan, and Berkshire. These positions all come via funds; there are no direct single‑stock allocations. The combined presence of both Alphabet share classes and several mega‑cap tech firms shows some overlap: the same companies appear across multiple ETFs. Overlap reduces the number of truly independent bets, meaning these big names can drive a noticeable part of overall performance. Because only ETF top‑10 lists are used, this concentration is probably understated, but it still highlights that the portfolio’s “hidden core” is anchored in a common set of large US companies.
Factors
Factor exposure shows a clear tilt toward value at 66%, while size, momentum, quality, yield, and low volatility all sit in a neutral range around 50%. Factors are like investing “ingredients” — traits such as cheapness (value) or smaller company size that research links to long‑term return patterns. A higher value score means the portfolio leans toward companies trading at lower prices relative to fundamentals, which can behave differently from growth‑oriented stocks. This tilt tends to help when cheaper, more cyclical businesses regain favor, but it may lag in long stretches where high‑growth, high‑valuation stocks dominate. The other factors being neutral suggests that value is the main deliberate bet, with the rest roughly mirroring the broad market.
Risk contribution
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State Street® SPDR® Portfolio S&P 500® ETF
Weight: 60.00% 60.1% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 17.7% -
Avantis International Large Cap
Weight: 15.00% 13.2% -
Avantis® International Small Cap Value ETF
Weight: 10.00% 9.1%
Risk contribution shows how much each ETF drives the portfolio’s ups and downs, which can differ from simple weights. Here, the S&P 500 ETF makes up 60% of the allocation and contributes almost exactly 60% of total risk, so its impact is very proportional. The US small cap value fund is 15% by weight but about 17.7% of risk, reflecting its greater volatility; its risk/weight ratio of 1.18 is the highest in the lineup. The two international funds contribute slightly less risk than their weights. Overall, the top three positions account for about 91% of risk, which matches their combined size, so there are no hidden risk hotspots beyond what the allocations already suggest.
Redundant positions
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High correlationAvantis International Large CapAvantis® International Small Cap Value ETF
The correlation view highlights that the international small cap value ETF and the international large cap ETF have moved almost identically in the data. Correlation is a measure of how similarly two assets move, from 1 (in lockstep) to ‑1 (moving opposite). When two positions are highly correlated, holding both still adds diversification in terms of number of companies, but it doesn’t help as much in smoothing the portfolio’s ride. In this case, international exposure appears diversified across company sizes and value tilts but less diversified in terms of return pattern, since both international sleeves have behaved quite similarly over the observed period.
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 the current portfolio sitting on or very close to the frontier, meaning it’s using its existing holdings in a risk/return‑efficient way. The Sharpe ratio — a measure of return per unit of risk above the risk‑free rate — is 0.63 for the current mix versus 0.87 for the optimal and 0.86 for the minimum‑variance blend. Efficient frontier curves show the best possible trade‑off between risk and return using just these funds in different weightings. Being near that curve suggests the present allocation is already well‑tuned: there isn’t a big gap where simple reweighting of the same ETFs would have historically given much higher returns for the same volatility or the same returns with much less volatility.
Dividends
- Avantis® International Small Cap Value ETF 3.10%
- Avantis International Large Cap 2.80%
- Avantis® U.S. Small Cap Value ETF 1.60%
- State Street® SPDR® Portfolio S&P 500® ETF 1.30%
- Weighted yield (per year) 1.75%
The portfolio’s overall dividend yield sits around 1.75%, combining a modest 1.3% from the S&P 500 ETF with higher payouts from the Avantis international funds, especially the international small cap value ETF at 3.1%. Yield is the annual cash income from dividends relative to the investment value, and over long periods it can form a meaningful slice of total return alongside price gains. Relative to many income‑focused strategies, this yield is moderate rather than high, which is consistent with a growth‑oriented equity mix. It suggests that, historically, more of the portfolio’s return has come from capital appreciation than from regular cash distributions, while still keeping a small but steady income component.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis International Large Cap 0.25%
- Avantis® U.S. Small Cap Value ETF 0.25%
- State Street® SPDR® Portfolio S&P 500® ETF 0.02%
- Weighted costs total (per year) 0.12%
The weighted ongoing cost (TER) across the four ETFs is about 0.12% per year, which is very low by industry standards. TER, or Total Expense Ratio, is the annual fee charged by a fund as a percentage of invested assets — like a small service fee taken out quietly in the background. Most of the cost efficiency comes from the S&P 500 ETF at 0.02%, with the Avantis funds charging slightly higher but still reasonable fees. Over long periods, even small fee differences can compound into meaningful amounts, so keeping costs this low supports better net performance. This cost profile is a clear strength and lines up closely with best practices in broad, index‑style investing.
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