Growth focused global equity mix with a strong value tilt and broad size diversification
Report created on Apr 29, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 50.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 15.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.00%
This portfolio is a simple four‑fund, 100% equity mix with a clear split between US, international, and small‑cap value. Half the weight sits in a broad US large‑cap index, 20% in broad international stocks, and the remaining 30% in dedicated US and international small‑cap value strategies. That structure makes the core of the portfolio very “market‑like,” while the smaller funds introduce specific tilts toward smaller and cheaper companies. A setup like this is easy to understand and monitor because every piece has a defined role. The simplicity is a strength: it reduces complexity while still giving exposure to many thousands of underlying stocks across regions and company sizes.
Growth
From late 2019 to April 2026, a hypothetical $1,000 in this mix grew to about $2,497, a compound annual growth rate (CAGR) of 14.96%. CAGR is like your average speed on a long road trip, smoothing out bumps along the way. Over this period, the portfolio slightly trailed the US market by 0.87 percentage points per year but outpaced the global market by 1.65 points annually. The worst drawdown was about -36.9% during early 2020, deeper than a typical bad year but in line with an all‑stock approach. Just 22 days produced 90% of total returns, highlighting how missing a handful of strong days can significantly change long‑term outcomes. Past returns, though, never guarantee future results.
Projection
The Monte Carlo projection looks ahead 15 years by simulating many possible return paths based on historical patterns. Think of it as running the same coin toss game 1,000 different ways to see the range of outcomes. Here, the median outcome turns $1,000 into about $2,814, with a central “likely” band from roughly $1,841 to $4,207. The broad range from about $902 to $7,489 shows how uncertain long‑term equity returns can be, even when the average annualized result across simulations is 8.11%. A 75.3% chance of ending positive is encouraging, but the downside scenarios are very real. These numbers are illustrations, not promises, and they rely on the assumption that future markets behave roughly like the past.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with no bonds, cash, or alternative assets in the mix. That means the return potential is fully tied to company earnings and growth, rather than interest payments or rental income. A 100% equity stance typically brings higher long‑term return expectations but also larger short‑term swings in value. Compared to many blended stock‑bond benchmarks, this is a more growth‑oriented structure, leaning heavily into the equity risk premium: the extra return investors have historically received for holding stocks instead of safer assets. This pure‑equity approach keeps the structure straightforward, but it also means there’s no built‑in cushion from less volatile asset classes during market downturns.
Sectors
- Technology 22%
- Financials 17%
- Industrials 13%
- Consumer Discretionary 12%
- Energy 7%
- Health Care 7%
- Telecommunications 7%
- Basic Materials 6%
- Consumer Staples 5%
- Utilities 2%
- Real Estate 2%
Sector exposure is broadly diversified, with technology the single largest area at 22%, followed by financials at 17% and industrials at 13%. Consumer‑oriented sectors together also represent a meaningful slice, while energy, health care, telecoms, materials, staples, utilities, and real estate all show up in single‑digit percentages. Relative to many broad global indices, this breakdown looks well‑balanced rather than heavily tilted toward a single industry. That helps reduce the risk of any one economic theme dominating portfolio behavior. For example, tech‑heavy lineups can swing more sharply when interest rates move, while more balanced mixes like this tend to spread that sensitivity across several different business models and revenue sources.
Regions
- North America 68%
- Europe Developed 13%
- Japan 8%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 2%
- Africa/Middle East 2%
- Latin America 1%
Geographically, about 68% of the portfolio is in North America, with Europe Developed at 13% and Japan at 8%. The rest is spread across developed Asia, emerging Asia, Australasia, Africa/Middle East, and Latin America in smaller chunks. This creates a moderate home bias toward North America compared with global market weights, where the US is large but not quite this dominant. The spread across other regions still captures a wide range of currencies, economic cycles, and regulatory environments. That broader reach is helpful when leadership rotates between regions over time. However, the North American tilt means portfolio performance will still be heavily influenced by that single economic bloc and its currency.
Market capitalization
- Mega-cap 32%
- Large-cap 24%
- Mid-cap 21%
- Small-cap 15%
- Micro-cap 8%
The market‑cap mix combines 32% in mega‑caps and 24% in large‑caps with a substantial 44% across mid, small, and micro‑cap companies. That’s a more pronounced smaller‑company presence than a typical global index, which tends to be dominated by mega‑caps. Smaller firms often have more business growth potential but also face bumpier earnings and stock price paths. This balance means the portfolio is not just riding on a handful of global giants; it also taps into a much wider base of businesses. In practice, that can lead to different performance patterns than a pure large‑cap index, especially in periods when smaller companies either strongly lead or lag the broader market.
True holdings
-
NV NVIDIA Corporation 3.79%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc 3.33%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 2.46%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 1.82%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.50%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.31%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.20%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.12%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Tesla Inc 0.94%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 0.79%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 18.25%
Looking through ETF top‑10 holdings, the largest underlying positions include NVIDIA, Apple, Microsoft, Amazon, Alphabet (both share classes), Broadcom, Meta, Tesla, and Berkshire Hathaway. None of these are held directly; they appear via the index funds, and together the top names account for several percentage points of total exposure. Because only top‑10 ETF holdings are captured, overlap is likely understated, but it’s still clear that a core group of big US tech‑and‑growth names sits at the center. This is very typical for portfolios built around broad US and global equity indices. It means headline movements in these familiar companies can noticeably influence portfolio performance day‑to‑day.
Factors
Factor exposure shows a notable tilt toward value at 64%, while size, momentum, quality, yield, and low volatility all sit in the neutral band. Factors are like investing “ingredients” — characteristics such as cheapness (value) or stability (low volatility) that research links to long‑term returns. A mild value tilt means the portfolio leans somewhat toward stocks trading on lower prices relative to fundamentals like earnings or book value. Historically, this style has gone through long stretches of both outperformance and underperformance versus growth‑oriented approaches. Because other factors are close to market‑like, the main distinctive feature here is that value bias layered on top of a broadly diversified equity base.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 49.5% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 19.2% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 17.9% -
Avantis® International Small Cap Value ETF
Weight: 15.00% 13.4%
Risk contribution reveals how much each holding drives overall ups and downs, which can differ from simple weights. The US large‑cap ETF is 50% of the portfolio and contributes about 49.5% of risk, roughly proportional. The US small‑cap value ETF, at 15% weight, contributes about 19.2% of total risk, so each dollar there adds more volatility than its size alone suggests. The two international funds together contribute about 31.3% of risk versus 35% of weight, meaning they slightly dampen overall swings. With the top three positions accounting for 86.6% of total risk, the portfolio’s behavior is largely shaped by those core ETFs, even though all four components matter.
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 current portfolio sits on or very close to the efficient frontier, which is the curve showing the best achievable return for each risk level using these four funds. The Sharpe ratio — a measure of return per unit of volatility — is 0.61 for the current mix, compared with 0.83 for the optimal and 0.70 for the minimum‑variance combination. That tells us the existing allocation is already using these ingredients effectively, with no obvious “wasted” risk based on historical data. Importantly, this analysis assumes the same set of holdings and relies on past behavior, so it’s a guide to structure, not a forecast.
Dividends
- Avantis® International Small Cap Value ETF 2.90%
- Avantis® U.S. Small Cap Value ETF 1.30%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.74%
The portfolio’s overall dividend yield is about 1.74%, blending lower yields from the US large‑cap and US small‑cap value funds with higher payouts from international broad and small‑cap value funds. Dividends are the cash distributions companies make from their profits, and they can be a meaningful part of long‑term equity returns, especially when reinvested. A yield in this range is consistent with a growth‑oriented, globally diversified equity portfolio that still has some value exposure. It means most of the expected return here comes from potential capital growth rather than high ongoing income, but there is still a modest cash component contributing to total performance over time.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- 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) 0.12%
Total ongoing fund costs come to about 0.12% per year, weighted across all four ETFs. That’s impressively low, especially for a portfolio that includes more specialized small‑cap value strategies alongside broad market funds. TER, or Total Expense Ratio, is like a built‑in annual service charge covering management and running costs. Lower fees leave more of the portfolio’s gross return in the investor’s hands, and over long horizons that difference compounds. In this case, costs are well‑aligned with best practices in low‑cost indexing and factor investing. The fee level supports the portfolio’s ability to track underlying markets and factor exposures without a large drag from expenses.
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