Global growth portfolio with strong value tilt and efficient risk balance near the efficient frontier
Report created on Jul 22, 2026Risk profile
5/7
Diversification profile
3/5
Positions
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VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 55.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
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 simple four‑ETF mix focused entirely on stocks, with a clear core‑and‑tilt structure. About half sits in a broad US total-market fund, another fifth in a broad international fund, and the remaining third is in targeted small-cap value strategies in both US and international markets. This setup combines wide market coverage with a deliberate overweight to smaller, cheaper companies. Structurally, it balances simplicity (few funds, easy to follow) with a specific style tilt layered on top. The result is a concentrated equity strategy that aims to capture global stock market returns while leaning into one particular return “ingredient” — value — rather than tracking the global market purely by size.
Growth
Over the period shown, $1,000 grew to $2,551, which is a compound annual growth rate (CAGR) of 14.78%. CAGR is like your average speed on a road trip, smoothing out the bumps along the way. This trailed the US market benchmark but beat the global benchmark, so it kept up well in a very strong US-led period while still being more diversified globally. The worst drop, or max drawdown, was about -37%, slightly deeper than the benchmarks’ roughly -34%. That’s typical for an all‑stock portfolio with a tilt toward smaller and value names, which often swing a bit more during sharp market moves.
Projection
The Monte Carlo projection uses past return and volatility patterns to simulate many possible 15‑year futures for this mix. Think of it as running 1,000 alternate timelines where monthly returns are randomly shuffled based on history. The median outcome grows $1,000 to about $2,803, with a fairly wide “likely” range from roughly $1,783 to $4,337. The very wide $933 to $7,648 span shows how uncertain long‑term equity outcomes can be, even with the same average return. As always, these are rough scenarios, not promises: markets don’t repeat perfectly, and future returns can be higher or lower than any model suggests.
Asset classes
- Stocks 100%
All of this portfolio is invested in stocks, with no bonds or cash-like assets in the mix. That makes the growth potential higher than a blended stock‑bond portfolio, but also means larger and faster swings in account value are possible. In practice, a 100% equity allocation tends to be more sensitive to economic cycles, earnings trends, and risk sentiment. Compared with many broad global benchmarks that often include bonds, this is clearly tilted toward long‑term capital growth rather than income or capital stability. The simplicity at the asset‑class level makes it easier to understand, but it also concentrates risk in one type of asset.
Sectors
- Technology 26%
- Financials 17%
- Industrials 13%
- Consumer Discretionary 11%
- Health Care 8%
- Telecommunications 6%
- Energy 6%
- Basic Materials 5%
- Consumer Staples 4%
- Real Estate 2%
- Utilities 2%
Sector exposure is fairly broad, covering all major areas of the stock market, with technology as the largest slice at 26%. Financials, industrials, and consumer discretionary make up substantial portions too, and more defensive areas like consumer staples, health care, utilities, and real estate are present but smaller. This pattern is quite similar to many global equity benchmarks today, where tech and related industries have grown large through strong performance. Tech‑heavy allocations often benefit when growth stocks are in favor but can feel sharper pullbacks when interest rates rise or investors rotate into more cyclical or defensive parts of the market.
Regions
- North America 72%
- Europe Developed 11%
- Japan 6%
- Asia Developed 4%
- Asia Emerging 3%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 72% of the portfolio is in North America, with Europe, Japan, and other developed regions making up most of the rest, plus a modest slice in emerging markets. This is reasonably close to a global market‑cap breakdown, where the US is also dominant, so the overall regional mix is well-aligned with global equity standards. The benefit is that returns are driven by a wide range of economies and currencies, not just a single country. At the same time, the strong North American skew means performance is still heavily influenced by the US market’s fortunes, policies, and corporate earnings trends.
Market capitalization
- Mega-cap 31%
- Large-cap 23%
- Mid-cap 20%
- Small-cap 16%
- Micro-cap 9%
Market‑cap exposure is nicely spread: about 31% in mega‑caps, 23% in large‑caps, 20% in mid‑caps, 16% in small‑caps, and 9% in micro‑caps. That’s a broader tilt toward smaller companies than a typical global index, which is usually dominated by mega and large names. Smaller and micro‑cap stocks often offer higher growth potential and stronger sensitivity to local economic conditions, but they can be more volatile and less liquid. This mix combines the stability and global reach of very large firms with the higher‑beta behavior of smaller companies, so the portfolio can behave differently than a pure large‑cap benchmark during certain market phases.
True holdings
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NV NVIDIA Corporation 3.48%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc. 3.21%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.10%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.74%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.58%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.35%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.25%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 0.98%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.94%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 0.90%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 17.53%
Looking through to the top holdings, familiar mega‑cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, and Tesla sit among the largest indirect positions, all accessed via ETFs. Together, these top look‑through holdings represent meaningful exposure, but no single company dominates the portfolio overall. Because only ETF top‑10 lists are captured, total overlap across funds is likely higher than shown, especially for popular large growth names. This kind of hidden concentration is common in index-based strategies: several funds may each own the same giants, slightly amplifying portfolio sensitivity to big moves in these headline companies even if they don’t appear as direct positions.
Factors
Factor exposure shows a clear high tilt toward value at 63%, while size, momentum, quality, yield, and low volatility all sit in a neutral, market‑like range. Factors are like investing “flavors” — characteristics such as cheapness (value) or recent winners (momentum) that research links to long‑term returns. A value tilt emphasizes companies trading at lower prices relative to fundamentals, which may behave differently from growth‑oriented markets that dominated the past decade. Historically, value has seen periods of strong catch‑up after lagging, but it can also underperform for long stretches. The rest of the factor profile being neutral keeps the overall style reasonably balanced aside from that value lean.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 55.00% 54.9% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 18.8% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 17.5% -
Avantis® International Small Cap Value ETF
Weight: 10.00% 8.7%
Risk contribution shows how much each ETF drives the portfolio’s ups and downs, not just how big the weight is. The US total-market fund contributes about 55% of risk, almost exactly matching its weight, so it behaves like a core anchor. The US small-cap value ETF is 15% of the portfolio but contributes nearly 19% of risk, meaning it punches above its weight in volatility. The international holdings actually contribute slightly less risk than their weights. Overall, the top three funds account for over 90% of total risk, which is expected in a concentrated four‑fund setup and highlights how core allocations largely define the portfolio’s behavior.
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 vs. return chart, the current portfolio sits on or very near the efficient frontier, which is encouraging. The efficient frontier is the curve showing the best expected return for each risk level using only the existing holdings in different proportions. Here, the current mix has a Sharpe ratio of 0.6, while the optimal mix on the frontier hits 0.8 with slightly lower risk and a touch higher return. That gap suggests there is mathematically room for marginal improvement through reweighting, but the existing allocation is already broadly efficient. It’s not leaving a large amount of risk‑adjusted return on the table.
Dividends
- Avantis® International Small Cap Value ETF 2.80%
- Avantis® U.S. Small Cap Value ETF 1.20%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.60%
- Weighted yield (per year) 1.58%
The overall dividend yield for the portfolio is about 1.58%, combining lower yields from the broad US fund and US small‑cap value with higher yields from international holdings, especially international small‑cap value at 2.80%. Dividend yield is the cash income paid out each year as a percentage of investment value. In this portfolio, income is a secondary feature rather than the main focus; the emphasis is on total return from both price growth and dividends. Over time, reinvested dividends can still meaningfully contribute to growth, but compared with more income‑oriented strategies, this yield points to a growth‑centric equity approach.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.10%
The blended total expense ratio (TER) is about 0.10%, which is impressively low for a portfolio that mixes broad index funds with more specialized factor ETFs. TER is the annual fee charged by each fund as a percentage of assets, quietly deducted from returns. Here, the low‑cost Vanguard core at 0.03%–0.05% keeps the weighted average down, even though the Avantis value funds charge more (0.25%–0.36%) for their active factor approach. Over decades, keeping costs this low can meaningfully support net performance, since fees compound in reverse. This cost profile is a strong structural advantage of the current setup.
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