A growth focused stock portfolio with strong tilts toward small value and the United States

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.

What type of investor this portfolio is suitable for

Growth Investors

This setup fits an investor who is comfortable with meaningful ups and downs in pursuit of higher long‑term growth. The ideal person has a long time horizon, often 10 years or more, and can mentally ride through sharp market drops without feeling forced to sell. Typical goals might include building wealth for retirement, funding future large expenses, or growing a legacy rather than drawing income today. Risk tolerance is above average: temporary losses of 30–40% would be viewed as painful but acceptable. This personality values low costs, broad diversification within stocks, and is okay with limited defensive assets in order to maximize equity exposure.

Positions

  • Vanguard S&P 500 ETF
    VOO - US9229083632
    55.00%
  • Avantis® U.S. Small Cap Value ETF
    AVUV - US0250728773
    30.00%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    15.00%

This portfolio is a pure stock mix with three broad ETFs and a clear growth tilt. Roughly half is tied to large US companies, about a third to smaller value-tilted US companies, and the rest to international stocks. Compared with a typical global market mix, this leans more heavily on the US and on small value stocks. That concentration matters because it can increase both long‑term growth potential and short‑term swings. This structure is generally well aligned with a growth profile, but you could soften volatility by adding some stabilizing assets such as bonds or cash-like holdings if needed, or by slightly increasing the share of broad global exposure.

Growth Info

Historically, this mix has delivered a very strong compound annual growth rate (CAGR) of about 16%. CAGR is like your average speed on a long road trip: it smooths out all the ups and downs into one yearly number. That level of return is higher than what broad stock benchmarks have typically produced over long periods, which is impressive. At the same time, the portfolio has seen a maximum drawdown of around ‑38%, meaning at one point it dropped that much from a prior peak. This is normal for an all‑equity growth setup. It’s useful to check whether you’d be comfortable staying invested through similar drops.

Projection Info

The Monte Carlo analysis uses 1,000 simulated paths based on past behavior to estimate future outcomes. Think of it as running “what if” scenarios where returns are randomly shuffled within historical patterns. The results show a wide range: in the 5th percentile, wealth grows modestly, while the median and higher percentiles show very large gains. Most simulations end positive, and the average simulated annual return is similar to historical numbers. This is encouraging, but it’s crucial to remember simulations depend on past data and assumptions. They can’t predict future crises or regime changes, so it’s wise to treat them as rough guides rather than promises.

Asset classes Info

  • Stocks
    100%
  • Cash
    0%
  • Other
    0%
  • No data
    0%

All of the invested money here sits in stocks, with no allocation to bonds, cash, or alternative assets. That creates a very clear growth orientation, which is great for maximizing long‑term upside but also means there’s no built‑in shock absorber when markets fall. Many broad benchmarks include at least some safer assets for stability, especially for shorter horizons. For someone truly focused on long‑term growth, a 100% stock approach can make sense, but it requires accepting large swings. If downside risk feels uncomfortable, you could gradually introduce a modest slice of lower‑volatility assets to smooth the ride without dramatically changing the growth focus.

Sectors Info

  • Technology
    25%
  • Financials
    18%
  • Consumer Discretionary
    13%
  • Industrials
    11%
  • Telecommunications
    7%
  • Energy
    7%
  • Health Care
    7%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is broad, spanning all major areas of the economy, with the largest weights in technology and financial services. This looks similar to common equity benchmarks, which is a positive sign for diversification. A tech tilt can boost growth but may also be more sensitive to changes in interest rates and market sentiment. Financials and cyclicals tend to do well in economic expansions but can struggle in recessions. The good news is that no single sector dominates to an extreme degree, and this balance supports resilience across different market environments. It’s useful to periodically check whether any sector grows so large that it starts to feel uncomfortable.

Regions Info

  • North America
    85%
  • Europe Developed
    6%
  • Asia Emerging
    3%
  • Japan
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Latin America
    1%
  • Africa/Middle East
    1%
  • Europe Emerging
    0%

Geographically, the portfolio is strongly tilted toward North America, especially the US, with a smaller slice in international markets. This US‑heavy orientation has helped historically, as US stocks have outperformed many regions over the past decade. Common global benchmarks usually have a somewhat lower US share, so this is an intentional tilt. The trade‑off is that results become more tied to the health of the US economy and currency. Keeping a meaningful, though smaller, exposure to the rest of the world is a strength here, since different regions can lead at different times. If you want even broader diversification, gently boosting non‑US exposure could be one way to do that.

Market capitalization Info

  • Mega-cap
    32%
  • Large-cap
    23%
  • Micro-cap
    16%
  • Small-cap
    15%
  • Mid-cap
    13%

The market cap breakdown shows a healthy spread across company sizes: a core in mega and large companies, plus significant exposure to small and micro caps. Small and micro caps are generally more volatile but can offer higher growth and, in this case, a value tilt. That tilt means focusing on cheaper, more out‑of‑favor companies, which historically has sometimes delivered extra return but with bumpier ride. This blend is more aggressive than a typical large‑cap‑only index but better diversified across size than many portfolios. It’s worth checking that the extra swings that come with smaller companies fit your comfort level and time horizon before adding more.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.60%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.49%

The overall dividend yield of about 1.5% is modest, which is typical for a growth‑oriented equity portfolio. Dividend yield is simply the annual cash payout as a percentage of your investment; it can feel like rent coming in while you hold the property. The international sleeve contributes a slightly higher yield, while the US growth exposure offers lower payouts but more focus on reinvested profits. This structure fits an investor who is more interested in long‑term growth than in current income. If at some point you want more cash flow—say, in retirement—you might gradually add higher‑yielding holdings or shift part of the mix toward income‑focused strategies.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.10%

The total expense ratio (TER) of around 0.10% is impressively low for a diversified equity portfolio. TER is like an annual service fee charged by the funds; lower fees mean more of the market’s return stays in your pocket. Compared with many actively managed products, this cost level is very competitive and strongly supports long‑term performance. Costs are one of the few things investors can control, and this setup is already doing an excellent job here. The main thing is to keep an eye on any future changes in fund fees or trading habits so that overall costs remain this lean over time.

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.

From a risk‑return standpoint, this portfolio sits on the aggressive side of the spectrum, leaning fully into stocks. The Efficient Frontier is a concept that maps the best possible trade‑offs between risk and return for a given set of assets. Within your current building blocks, there may be combinations that offer similar expected return with slightly lower volatility, often by adjusting the balance between large caps, small value, and international exposure. Efficiency here doesn’t mean “perfect” or “safest,” just the best ratio of potential reward to risk. Periodically re‑examining the mix using these ideas can help keep the portfolio aligned with your comfort level as life circumstances change.

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