Focused US growth portfolio with a value tilt and broad diversification by size and region
Report created on Jun 17, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 70.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 15.00%
This portfolio is a three‑fund, all‑equity mix anchored by a broad US large‑cap index ETF at 70%. A dedicated US small‑cap value ETF adds 15%, and a total international stock ETF fills the remaining 15%. Structurally, this creates a clear “core and satellites” setup: a big, diversified US core plus two targeted diversifiers. This matters because most of the behaviour is driven by that main US index, while the smaller pieces nudge style and regional exposure. The design is simple, transparent, and easy to understand, which often makes it easier to stick with during market swings since you can clearly see what is driving returns and risk.
Growth
One or more local-currency benchmark funds are unavailable for this report.
From late 2019 to mid‑2026, a hypothetical $1,000 grew to $2,664, which is a compound annual growth rate (CAGR) of 15.74%. CAGR is like your average speed on a road trip, smoothing out bumps along the way. Over the same period, the global market benchmark returned 13.74% annually, so this portfolio outpaced it by about 2 percentage points per year. The max drawdown, or worst peak‑to‑trough drop, was -35.6% during early 2020, slightly deeper than the benchmark. It recovered within about five months, showing resilience but also clear equity‑level volatility. As always, past performance describes what happened; it doesn’t guarantee future outcomes will look similar.
Projection
The Monte Carlo projection uses many simulated paths, based on historical patterns, to estimate a wide range of possible future outcomes. It’s a bit like running 1,000 alternate timelines for the same portfolio. Over 15 years, the median path turns $1,000 into about $2,735, with a central “likely” range from around $1,806 to $4,073. The broad 5th–95th percentile band stretches from roughly $895 to $7,496, showing how uncertain long‑term markets can be. The average simulated annual return is 7.92% and about 74% of simulations end positive. These numbers are useful for setting expectations, but they’re still models based on the past, not promises about what will actually happen.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with 0% in bonds or cash as long‑term holdings. That means it is fully exposed to equity market ups and downs, without the usual dampening effect that fixed income can provide. An all‑stock approach can deliver higher long‑run growth than a blended stock‑bond mix, but it also usually comes with bigger and more frequent swings in value. Relative to typical “balanced” benchmarks, this portfolio leans clearly toward growth and risk. The simplicity here is a strength: there is no hidden asset‑class complexity, and performance is very directly tied to how global stock markets, especially the US, behave over time.
Sectors
- Technology 29%
- Financials 15%
- Consumer Discretionary 11%
- Industrials 10%
- Telecommunications 9%
- Health Care 8%
- Energy 6%
- Consumer Staples 5%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is tilted toward Technology at 29%, followed by Financials at 15% and Consumer Discretionary at 11%. The remaining sectors are spread fairly broadly, with Industrials, Telecom, Health Care, and Energy all represented, and smaller positions in Consumer Staples, Materials, Utilities, and Real Estate. This mix is quite similar to many broad equity benchmarks, especially in its tech emphasis, which is common globally today. Tech‑heavy portfolios can experience sharper moves when interest rates change or when growth expectations are revised, because many of these companies are priced on future earnings. Still, the presence of more defensive sectors helps keep the portfolio from being a pure “one‑sector bet,” supporting a reasonable level of sector diversification.
Regions
- North America 86%
- Europe Developed 6%
- Asia Developed 2%
- Japan 2%
- Asia Emerging 2%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, the portfolio is strongly tilted to North America at 86%, with modest allocations to Europe, Japan, other developed Asia, and emerging regions together making up the remaining slice. This is a clear home‑country bias relative to global market indices, where the US usually sits closer to 60% of total market value. A strong US weighting has been beneficial over the last decade, as US stocks have outperformed many other regions. At the same time, it means economic, political, and currency outcomes in one region drive most results. The international fund does still introduce global diversification, but it plays a supporting role rather than balancing the US exposure.
Market capitalization
- Mega-cap 39%
- Large-cap 29%
- Mid-cap 15%
- Small-cap 9%
- Micro-cap 7%
By market capitalization, there is a broad spread: 39% in mega‑caps, 29% in large‑caps, 15% in mid‑caps, 9% in small‑caps, and 7% in micro‑caps. Mega‑ and large‑caps still anchor the portfolio, which is typical for cap‑weighted equity investing, but the dedicated small‑cap value ETF meaningfully boosts exposure to smaller companies. This matters because different size segments often behave differently across market cycles: large stable firms may move more slowly, while smaller ones can be more volatile but sometimes deliver stronger bursts of growth. Compared to a pure large‑cap index, this structure introduces more size diversification and a bit more risk, while avoiding an extreme tilt into just one size category.
True holdings
-
NV NVIDIA Corporation 5.52%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc 4.94%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.60%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.85%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.39%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.28%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.90%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.49%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.32%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 1.18%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 27.46%
The look‑through holdings show that several well‑known US giants, especially in technology and communication, sit near the top of underlying exposures. NVIDIA, Apple, Microsoft, Amazon, the two Alphabet share classes, Broadcom, Meta, Tesla, and Micron together already account for a noticeable slice of the portfolio when aggregated. Because these names appear mainly via broad index ETFs, there is some natural overlap: the same company can show up in multiple funds. This can create hidden concentration in a handful of large firms, even with just three ETFs. However, coverage here is only about 31% of ETF holdings (top 10s), so overall overlap across all positions is likely higher than what this partial snapshot reveals.
Factors
Factor exposure shows a notable tilt toward Value at 60%, while other factors such as Size, Momentum, Quality, Yield, and Low Volatility all sit in the neutral, market‑like range. Factors are basically characteristics that help explain why groups of stocks behave the way they do over time. A value tilt means there is a mild preference for stocks that look cheaper relative to fundamentals like earnings or book value, largely driven by the small‑cap value ETF. Historically, value stocks have gone through long periods of both out‑ and under‑performance compared with growth stocks. With the other factors roughly balanced, the portfolio’s distinctive “flavour” comes mostly from that value component, layered on top of an otherwise very broad, market‑style profile.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 70.00% 69.0% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 18.3% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 15.00% 12.7%
Risk contribution highlights how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weight. The Vanguard S&P 500 ETF, at 70% weight, contributes about 69% of total risk, making it the main risk engine, closely aligned with its allocation. The small‑cap value ETF, while only 15% of the portfolio, contributes about 18.3% of risk, showing that its holdings are somewhat more volatile than the average. The international ETF contributes slightly less risk (12.7%) than its 15% weight. This pattern is common: smaller and value‑oriented stocks often add more “punch” per dollar, while broad global funds can slightly soften risk relative to their share.
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 risk‑return chart, the portfolio sits on or very near the efficient frontier, which is the curve showing the best possible return for each risk level using only the existing holdings. The Sharpe ratio, a measure of risk‑adjusted return comparing excess return to volatility, is 0.64 for the current mix. The optimal portfolio along the frontier has a higher Sharpe of 0.81 at a similar risk level, and the minimum‑variance mix has lower risk but also lower return. The key takeaway is that this current allocation is already fairly efficient: within these three ETFs, you’re getting a reasonable trade‑off between risk and return without obvious structural inefficiencies in how they’re combined.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.60%
- Vanguard S&P 500 ETF 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.60%
- Weighted yield (per year) 1.33%
The blended dividend yield of the portfolio is about 1.33%, with the international ETF providing the highest yield at 2.6%, the small‑cap value ETF at 1.6%, and the S&P 500 ETF at 1.0%. Dividend yield is the cash income paid out each year as a percentage of the investment value. In this case, income plays a smaller role compared with price growth in overall returns, which is typical for a growth‑oriented, equity‑heavy mix. The presence of some dividends still adds a modest, steady component to total return, especially from international and value‑tilted holdings, but the main driver of the portfolio’s past and likely future performance remains capital appreciation.
Ongoing product costs
- 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) 0.07%
Costs are impressively low, with a total expense ratio (TER) of about 0.07% across the three ETFs. TER is the annual fee charged by funds as a percentage of assets, quietly deducted from returns. Here, the main S&P 500 ETF is especially cheap at 0.03%, the international fund at 0.05%, and the small‑cap value ETF at 0.25%. Low costs matter a lot over long horizons because even small annual differences compound significantly. This fee level is very competitive relative to the broader fund universe and supports better long‑term net performance. Structurally, the portfolio benefits from using broad, index‑like vehicles that deliver diversification without adding much drag from ongoing expenses.
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