Global equity portfolio with strong small cap value tilt and efficient low cost structure
Report created on Apr 9, 2026Risk 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
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VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 50.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 20.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 20.00% -
BK BNY Mellon International Equity ETF
BKIE - US09661T4040 10.00%
This portfolio is a simple four‑ETF, 100% stock mix tilted toward small‑cap value. Roughly half sits in a broad US total stock fund, with the rest split across US small value, international small value, and a diversified international equity ETF. That structure blends a “market core” with targeted tilts, rather than lots of niche funds. This setup matters because it keeps things understandable and easy to maintain, while still adding edges that can pay off over time. The main takeaway is that this is a straightforward, equity‑only portfolio with deliberate tilts toward smaller, cheaper companies and meaningful but secondary exposure outside the US.
Growth
Historically, from April 2020 to April 2026, $1,000 grew to about $2,815, a compound annual growth rate (CAGR) of 19.09%. CAGR is like the steady yearly speed your money would have needed to reach that final value. That’s meaningfully ahead of both the US market (16.89%) and global market (15.20%), while max drawdown (worst peak‑to‑trough drop) of -24.19% was similar to benchmarks. This balance of higher return without noticeably worse drops is a clear positive. Just remember that this period included unusual events and strong small‑cap/value rebounds, so past outperformance isn’t guaranteed to repeat.
Projection
The Monte Carlo simulation projects many possible 15‑year paths using past volatility and correlations, then summarizes the range of outcomes. Think of it as re‑rolling history 1,000 different plausible ways. The median result turns $1,000 into about $2,808, or roughly 8.12% per year, with a “likely” middle band of roughly $1,829 to $4,166. There’s also a small but real chance of essentially flat or modestly negative results. This spread highlights that even well‑built stock portfolios can experience wide outcome ranges. The key takeaway: expectations should center on solid long‑term growth, but with plenty of uncertainty year‑to‑year and even over full 15‑year stretches.
Asset classes
- Stocks 100%
Asset‑class wise, this is 100% in stocks, with zero bonds or cash buffers. That creates strong growth potential but also means full participation in equity drawdowns, since there’s no stabilizer when markets slide. Compared to a typical “balanced” mix, which often holds a meaningful bond slice, this sits on the growthier end of the spectrum despite the moderate risk score. The benefit is higher expected long‑term returns; the trade‑off is more gut‑testing volatility and slower recoveries if you’re forced to withdraw during downturns. For someone with a long horizon and steady income, this can be fine, but it’s important to be emotionally and practically ready for big swings.
Sectors
- Technology 19%
- Financials 17%
- Industrials 15%
- Consumer Discretionary 12%
- Energy 8%
- Health Care 7%
- Basic Materials 7%
- Telecommunications 6%
- Consumer Staples 5%
- Utilities 2%
- Real Estate 2%
Sector exposure is broad: technology at 19%, financials 17%, industrials 15%, and consumer discretionary 12%, with the rest spread across energy, health care, materials, telecom, staples, utilities, and real estate. This looks reasonably balanced and not wildly skewed to a single industry. Tech is sizable but not extreme compared to common benchmarks, which is good because very tech‑heavy portfolios can be more sensitive to interest rate changes and growth expectations. Having meaningful weight in financials, industrials, and energy often ties some of the portfolio’s fortunes to the real economy cycle. Overall, this sector composition is well‑diversified and aligns closely with broad market standards.
Regions
- North America 73%
- Europe Developed 13%
- Japan 9%
- Australasia 3%
- Africa/Middle East 1%
- Asia Developed 1%
Geographically, about 73% is in North America, with 13% in developed Europe, 9% in Japan, and smaller slices in Australasia, Africa/Middle East, and developed Asia. That US‑heavy tilt is typical for many investors and has been rewarded over the last decade, while still retaining a solid chunk of overseas exposure. The benefit is familiarity and alignment with the largest, most liquid stock market, plus diversification from holdings in other developed regions. The flip side is that returns are still dominated by the North American economic and currency cycle. Anyone wanting truly global balance could consider nudging the non‑US share higher over time, but this is already more diversified than many US‑centric portfolios.
Market capitalization
- Mega-cap 26%
- Mid-cap 22%
- Small-cap 22%
- Large-cap 19%
- Micro-cap 11%
Market‑cap exposure is nicely spread: 26% mega‑cap, 19% large‑cap, 22% mid‑cap, 22% small‑cap, and even 11% micro‑cap. That’s a strong tilt toward smaller companies relative to a typical cap‑weighted benchmark, which is usually dominated by mega‑caps. Smaller firms tend to be more volatile and sensitive to economic conditions, but historically they’ve offered higher expected returns over long periods. Including micro‑caps adds an extra layer of risk and potential reward. This mix means you’re not just riding the giants; you’re also participating in the growth (and bumps) of less established businesses, which can meaningfully shape long‑term performance and drawdown behavior.
True holdings
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NV NVIDIA Corporation 3.09%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 2.95%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.21%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.53%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.37%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.14%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.08%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.07%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 0.86%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
BR Berkshire Hathaway Inc 0.69%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 15.96%
Looking through the ETFs, the largest underlying exposures include well‑known mega‑cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, and Meta, plus Tesla and Berkshire Hathaway. These positions mainly come through the total US market ETF. While coverage is only about 20% of the portfolio (because we only see ETF top‑10 holdings), we can already see some overlap: for example, the two Alphabet share classes show up separately. This overlap creates more hidden concentration in large US growth companies than the small‑cap value label alone suggests. It’s not inherently bad, but it means part of the portfolio still rides on the big tech and mega‑cap growth cycle.
Factors
Factor exposure shows high tilts to value (67%) and size (62%), while momentum, quality, yield, and low volatility sit near neutral. Factors are like underlying “traits” — value means cheaper stocks, size means smaller companies. A high value tilt can help when cheap stocks bounce back after being out of favor, as seen at times in the last few years. A high size tilt lines up with your sizable small‑cap and micro‑cap exposure, which boosts return potential but also raises volatility and tracking error versus the broad market. Neutral readings in the other factors suggest the portfolio’s distinct character mainly comes from leaning into small and cheap stocks.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 50.00% 47.9% -
Avantis® U.S. Small Cap Value ETF
Weight: 20.00% 26.1% -
Avantis® International Small Cap Value ETF
Weight: 20.00% 17.7% -
BNY Mellon International Equity ETF
Weight: 10.00% 8.3%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. The total US stock ETF is 50% of assets but contributes about 47.9% of risk — very much in line. The US small‑cap value ETF is 20% of the portfolio yet contributes 26.1% of the risk, so it “punches above its weight” due to higher volatility. The international funds contribute slightly less risk than their weights. With the top three holdings driving about 91.7% of total risk, the main swings come from just a few positions. Adjusting their sizes would be the main lever if you ever wanted to dial risk up or down.
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.
On the efficient frontier, the current mix has a Sharpe ratio of 0.86, below the optimal portfolio’s 1.12 at similar risk. Sharpe ratio measures risk‑adjusted return — how much extra return you get per unit of volatility, after subtracting a risk‑free rate. Being about 1.6 percentage points below the frontier at the current risk level means there’s room to improve the balance between risk and return simply by reweighting the same four ETFs. The good news: you’re already in a solid zone, not way off the curve. With some fine‑tuning of allocations, the existing building blocks could be used more efficiently without adding new holdings.
Dividends
- Avantis® International Small Cap Value ETF 2.80%
- Avantis® U.S. Small Cap Value ETF 1.40%
- BNY Mellon International Equity ETF 2.50%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Weighted yield (per year) 1.64%
The overall dividend yield is about 1.64%, with higher payouts from the international and small‑cap value funds and lower yields from broad US exposure. Dividend yield is the cash income you receive each year as a percentage of your investment, before price changes. For a 100% stock portfolio focused on growth and factor tilts, this moderate yield is perfectly reasonable. It suggests the strategy prioritizes total return — price appreciation plus income — rather than maximizing cash payouts. For someone reinvesting dividends, this level is fine; for someone seeking current income, this setup would lean more on growth than on regular cash flow.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- BNY Mellon International Equity ETF 0.04%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.14%
Costs are impressively low, with a blended total expense ratio (TER) of about 0.14%. TER is the annual fee charged by the funds, quietly deducted inside the ETFs. Keeping fees down matters because every extra 0.1% saved compounds over decades. Here, the use of very cheap core funds plus slightly pricier but still reasonable factor‑focused ETFs is a strong combination. It shows cost discipline while still targeting specific styles like small‑cap value. This cost level is well below many actively managed portfolios and supports better long‑term performance. You’re essentially getting a sophisticated factor tilt at roughly index‑fund pricing, which is a big structural strength.
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