US growth portfolio with strong value tilt and broad size diversification across domestic and international stocks

Report created on Apr 20, 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

This portfolio is a six‑fund, all‑equity mix with a clear US core and a few distinct satellites. The largest slice is a broad US large‑cap index fund, paired with a sizable US large‑cap growth fund and a dedicated US small‑cap value ETF. Around one quarter of the portfolio is in mid caps, US value, and developed international stocks. Structurally, this creates a “core and tilts” design: a diversified index core with targeted positions that lean into specific styles and size segments. This type of composition matters because the satellites can meaningfully shift behavior away from a plain broad‑market tracker, especially during times when value, small caps, or non‑US markets behave differently from the main US index.

Growth Info

From late 2019 to April 2026, a $1,000 hypothetical investment grew to about $2,513, implying a compound annual growth rate (CAGR) of 15.14%. CAGR is like average speed on a road trip, smoothing out the bumps along the way. Over this same period the portfolio slightly lagged the US market benchmark but beat the global market benchmark by a solid margin. The worst peak‑to‑trough drop was about ‑36%, a bit deeper than the benchmarks’ drawdowns around ‑34%. That pattern—similar downside but modestly different long‑term growth—shows how style tilts and international exposure can nudge returns without fundamentally changing the broad‑equity risk profile. As always, past performance does not guarantee future results.

Projection Info

The Monte Carlo projection uses thousands of simulated paths, based on historical return and volatility patterns, to estimate a range of possible future outcomes. It’s like running the same 15‑year investing “movie” 1,000 times with slightly different random market moves each time. Here, the median outcome turns $1,000 into about $2,793 after 15 years, while the middle half of simulations lands between roughly $1,884 and $4,231. The widest 5%–95% band stretches from around $1,075 to $7,923, showing that outcomes could vary a lot. The average simulated annual return of 8.25% is meaningfully lower than the recent historical CAGR, reminding us that the past six‑plus years were strong and may not repeat in the same way.

Asset classes Info

  • Stocks
    100%

The portfolio is 100% in stocks, with no bonds, cash substitutes, or alternatives in the mix. That single‑asset‑class focus is what drives the “growth” risk classification and the 5/7 risk score. Equities historically have offered higher long‑term return potential than bonds, but with sharper ups and downs along the way. Having everything in stocks means there’s no built‑in cushion from more defensive assets during market stress—drawdowns will largely track equity market shocks. On the flip side, this simplicity makes it easier to understand what is driving behavior: company earnings, valuations, and equity market sentiment, rather than interest‑rate sensitivity or credit risk from fixed income holdings.

Sectors Info

  • Technology
    24%
  • Financials
    16%
  • Industrials
    13%
  • Health Care
    9%
  • Consumer Discretionary
    8%
  • Telecommunications
    7%
  • Energy
    6%
  • Consumer Staples
    5%
  • Consumer Discretionary
    4%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is broadly diversified, with technology the largest slice at 24%, followed by financials, industrials, and health care. Compared with common broad‑market benchmarks, tech is meaningful but not extreme, and other cyclical areas like financials and industrials have substantial representation. This alignment with typical index sector weights is a positive sign for diversification, as no single economic theme dominates the portfolio. Because there are explicit value and small‑cap value components, certain more old‑economy and economically sensitive sectors gain visibility, which can behave differently from high‑growth technology in changing interest‑rate or inflation environments. That mix of growth‑oriented and value‑oriented sectors can create a portfolio that doesn’t move in lockstep with any one theme.

Regions Info

  • North America
    84%
  • Europe Developed
    10%
  • Japan
    3%
  • Australasia
    1%
  • Asia Developed
    1%

Geographically, about 84% of the portfolio sits in North America, with most of that effectively in the US, while roughly 16% is spread across developed markets in Europe, Japan, and other regions. This is less globally diversified than a pure world index, which typically has closer to 60% US exposure, but still offers a meaningful non‑US slice. The tilt toward the US has aligned well with the last decade, when US stocks led much of the world. At the same time, the non‑US allocation introduces some currency and economic diversification, so the portfolio isn’t entirely tied to one market’s fortunes, even if the US still dominates the risk and return experience.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    25%
  • Mid-cap
    18%
  • Small-cap
    13%
  • Micro-cap
    9%

The market‑cap breakdown shows a nice spread: roughly a third in mega caps, a quarter in large caps, and the rest across mid, small, and even micro‑cap stocks. This is a broader size exposure than a typical large‑cap index fund alone, thanks mainly to the explicit small‑cap value sleeve and the mid‑cap fund. Size matters because smaller companies often behave differently from giants—they can be more volatile and more sensitive to economic cycles, but they also bring different growth and valuation characteristics. The result here is a portfolio that doesn’t rely solely on the largest global names; it taps into a wider swath of the corporate universe, which can change how it reacts to various stages of the business cycle.

True holdings Info

  • Berkshire Hathaway Inc
    0.31%
    Part of fund(s):
    • Vanguard Value Index Fund ETF Shares
  • JPMorgan Chase & Co
    0.30%
    Part of fund(s):
    • Vanguard Value Index Fund ETF Shares
  • Exxon Mobil Corp
    0.29%
    Part of fund(s):
    • Vanguard Value Index Fund ETF Shares
  • Johnson & Johnson
    0.24%
    Part of fund(s):
    • Vanguard Value Index Fund ETF Shares
  • ViaSat Inc
    0.23%
    Part of fund(s):
    • Avantis® U.S. Small Cap Value ETF
  • Walmart Inc.
    0.22%
    Part of fund(s):
    • Vanguard Value Index Fund ETF Shares
  • Matson Inc
    0.19%
    Part of fund(s):
    • Avantis® U.S. Small Cap Value ETF
  • Five Below Inc
    0.18%
    Part of fund(s):
    • Avantis® U.S. Small Cap Value ETF
  • SM Energy Co
    0.18%
    Part of fund(s):
    • Avantis® U.S. Small Cap Value ETF
  • GATX Corporation
    0.17%
    Part of fund(s):
    • Avantis® U.S. Small Cap Value ETF
  • Top 10 total 2.31%

Look‑through data based on ETF top‑10 holdings covers only a small fraction of this portfolio, so overlap estimates are limited. Within that sliver, recurring names like Berkshire Hathaway, JPMorgan Chase, and Exxon Mobil appear in more than one vehicle, reflecting their prominence in broad US value and market‑cap indices. Because only top‑10 ETF positions are captured—and mutual funds are not broken out—any real overlap across the full lineup is likely understated. Hidden concentration can arise when the same large companies show up in several funds, even if each position looks modest on its own. Here, the evidence points to some overlap in big diversified blue‑chip names, but not enough data is available to quantify total duplication accurately.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 100%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Neutral
Data availability: 100%
Yield
Preference for dividend-paying stocks
Low
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure shows a clear tilt toward value at 62%, meaning the portfolio leans modestly into cheaper stocks relative to the broad market. Factor exposure is like checking what “ingredients” drive returns—value, size, momentum, quality, low volatility, and yield. The other factors hover around neutral, so the standout story is value rather than, say, momentum or defensive low‑volatility stocks. This value tilt comes mainly from the dedicated small‑cap value ETF and the broad value ETF, which can behave differently from high‑growth names when interest rates or inflation shift. Yield is slightly below market at 38%, which is typical for a growth‑oriented, all‑equity mix that doesn’t explicitly chase income and instead relies more on capital appreciation.

Risk contribution Info

  • Avantis® U.S. Small Cap Value ETF
    Weight: 20.00%
    24.6%
  • Fidelity 500 Index Fund
    Weight: 25.00%
    24.0%
  • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS
    Weight: 20.00%
    20.9%
  • FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
    Weight: 15.00%
    11.8%
  • FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS
    Weight: 10.00%
    10.4%
  • Top 5 risk contribution 91.6%

Risk contribution shows how much each fund drives overall volatility, which can diverge from simple weight. Here, the 20% small‑cap value ETF contributes about 24.6% of total risk, a noticeably higher share than its allocation, reflecting the bumpier ride typical of small and value stocks. The US large‑cap index and large‑cap growth funds contribute risk roughly in line with their weights, while the international index fund contributes less risk than its 15% weight would suggest. Overall, the top three holdings account for about 69% of portfolio risk, which is common for a concentrated six‑position lineup. This pattern highlights how targeted tilts, especially in smaller companies, can punch above their weight in driving day‑to‑day ups and downs.

Redundant positions Info

  • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS
    Fidelity 500 Index Fund
    High correlation

The correlation data flags that the US large‑cap growth fund and the broad US 500 index have moved almost identically in the observed period. Correlation simply measures how often and how closely two investments move together—1.0 means they tend to rise and fall in tandem. Highly correlated positions can still bring benefits, but they don’t add much diversification during big market swings, because they’re driven by similar underlying stocks and themes. In this case, the growth fund and the 500 index both live in the large‑cap US universe, so it’s expected they behave similarly. Diversification in this portfolio instead comes more from the small‑cap value, mid‑cap, and international slices, which are likely to have lower correlations.

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 compares the current mix to the best possible combinations of these same six holdings. The current portfolio has a Sharpe ratio of 0.6, which measures return per unit of risk after accounting for a 4% risk‑free rate. The maximum‑Sharpe mix reaches 0.83 with higher return and slightly higher risk, while the minimum‑variance mix offers lower risk and still a somewhat better Sharpe of 0.66. Because the current portfolio sits about 1.46 percentage points below the efficient frontier at its risk level, the data suggests that simply reweighting these same funds (without adding anything new) could potentially improve the risk/return balance. Structurally though, it’s already in the general neighborhood of efficient combinations, not wildly off the curve.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.30%
  • FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 1.00%
  • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.30%
  • FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.90%
  • Fidelity 500 Index Fund 1.10%
  • Vanguard Value Index Fund ETF Shares 1.90%
  • Weighted yield (per year) 1.32%

The overall dividend yield is about 1.32%, which is modest and consistent with a growth‑tilted, all‑equity setup. Individual holdings vary: the international index and value ETF have higher yields, while the large‑cap growth fund has a very low payout. Dividends here are a small but steady part of total return rather than the main focus. For a portfolio like this, most of the heavy lifting historically comes from price appreciation instead of cash income. It’s worth remembering that dividend yields can move over time as prices change and companies adjust their payout policies, so today’s 1.32% is just a snapshot, not a guaranteed future income stream.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
  • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
  • FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
  • Fidelity 500 Index Fund 0.02%
  • Vanguard Value Index Fund ETF Shares 0.04%
  • Weighted costs total (per year) 0.08%

Costs are a clear strength. The weighted average TER of about 0.08% per year is impressively low for an actively tilted, multi‑fund equity portfolio. TER, or Total Expense Ratio, is the annual fee charged by the funds—like a small haircut on returns that compounds over many years. Here, most holdings are ultra‑low‑cost index funds, with only the small‑cap value ETF charging a higher, but still reasonable, 0.25%. Keeping costs this low closely aligns with best practices in long‑term investing, because every dollar not spent on fees stays invested and benefits from compounding over time. This cost structure provides a strong foundation for translating market returns into investor returns.

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