Strong value tilted global equity mix with broad diversification across size geography and sectors
Report created on Jun 22, 2026Risk profile
4/7
Diversification profile
4/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 30.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 25.00% -
AV American Century ETF Trust - Avantis U.S. Large Cap Value ETF
AVLV - US0250723493 15.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 7.50% -
AV Avantis® Emerging Markets Value ETF
AVES - US0250723725 7.50%
This portfolio is a six‑ETF all‑stock mix that blends broad index funds with focused value strategies. About half sits in total US and international market ETFs, giving wide baseline diversification. The other half leans into value and smaller companies across the US, international developed, and emerging markets. This combination creates a “core and satellite” structure: broad market core plus return‑seeking tilts. That structure matters because the core helps anchor behavior to global markets, while the satellites push the portfolio toward specific characteristics. Overall, this is a globally diversified, equity‑only setup with a clear tilt toward value and smaller stocks rather than a pure market‑cap index approach.
Growth
From late 2021 to mid‑2026, $1,000 in this portfolio grew to about $1,752, a compound annual growth rate (CAGR) of 12.68%. CAGR is the smooth “per year” growth rate over the full period, like averaging your speed over a long road trip. The portfolio’s max drawdown was around ‑23.9%, meaning the deepest peak‑to‑trough fall was roughly a quarter of its value. Compared with benchmarks, it slightly lagged the US market index but modestly beat the global market index over this window. That pattern fits a globally diversified portfolio with meaningful non‑US exposure and value tilts in a period where mega‑cap US growth names were especially strong.
Projection
The forward projection uses a Monte Carlo simulation, which basically reruns many alternate futures based on past return patterns and volatility. Think of it as 1,000 different “what if” paths for the same portfolio. Over 15 years, the median outcome turns $1,000 into about $2,781, with a wide inner range from roughly $1,818 to $4,229. There are also more extreme possibilities, from almost flat to very strong growth. The average simulated annual return is about 8.18%. These numbers highlight both the potential reward and the uncertainty: they are based on historical behavior and assumptions, so they illustrate possibilities rather than firm predictions of what must happen.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash, or alternatives. That makes it straightforward to understand but also fully exposed to equity market ups and downs. An all‑stock allocation can deliver higher long‑term growth than mixed stock‑bond portfolios, but typically with larger swings along the way. Relative to a broad global equity index, the portfolio is still diversified across many companies and regions, just without cushioning from other asset classes. The stated risk score of 4/7 and “balanced” label here refers to how the mix of geographies, sizes, and styles moderates risk within equities, not to a classic stock‑and‑bond balanced portfolio.
Sectors
- Technology 20%
- Financials 19%
- Industrials 14%
- Consumer Discretionary 12%
- Energy 8%
- Telecommunications 6%
- Health Care 6%
- Basic Materials 6%
- Consumer Staples 5%
- Utilities 2%
- Real Estate 2%
Sector exposure is well spread, with technology at 20%, financials at 19%, industrials at 14%, and consumer discretionary at 12%. No single sector dominates, and traditional “value‑heavy” areas like financials, industrials, energy, and basic materials have noticeable weight. Compared with many popular benchmarks that are more tech‑heavy, this mix looks more balanced and somewhat more cyclical. That can mean less dependence on a handful of large tech names, but also more sensitivity to the broader economic cycle and interest‑rate environment. Overall, the sector breakdown is broadly diversified and aligns reasonably well with global norms, which is helpful for reducing the risk of any one industry driving outcomes.
Regions
- North America 62%
- Europe Developed 12%
- Asia Developed 8%
- Japan 6%
- Asia Emerging 6%
- Africa/Middle East 2%
- Australasia 2%
- Latin America 1%
Geographically, about 62% of the portfolio is in North America, with the rest spread across Europe, Japan, developed Asia, and emerging regions. That North America share is lower than a pure US total‑market portfolio but still a bit higher than some global benchmarks that allocate more to non‑US markets. Exposure to Europe, Japan, and Asia emerging together gives meaningful participation in economic growth outside the US. This geographic mix can help when leadership rotates between regions over time. It also means results are influenced by multiple currencies and economic cycles, not just one country, which is generally a positive sign for diversification across global equity markets.
Market capitalization
- Mega-cap 28%
- Large-cap 25%
- Mid-cap 22%
- Small-cap 16%
- Micro-cap 8%
Market‑cap exposure is nicely tiered: 28% mega‑cap, 25% large‑cap, 22% mid‑cap, 16% small‑cap, and 8% micro‑cap. Compared with a typical global index that is dominated by mega and large companies, this portfolio leans more heavily into smaller firms. Company size matters because smaller businesses often behave differently from giants: they can be more volatile but sometimes offer different growth or valuation dynamics. This spread across the size spectrum means returns won’t be driven only by the largest global names. It also supports diversification because shocks that affect huge multinationals and those that affect smaller, more domestic companies are not always the same.
True holdings
-
AA Apple Inc 2.35%
Part of fund(s):- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
NV NVIDIA Corporation 2.01%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.51%
Part of fund(s):- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 1.38%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.99%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
MU Micron Technology Inc 0.96%
Part of fund(s):- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.95%
Part of fund(s):- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 0.92%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 0.87%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 0.72%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 12.65%
Looking through the ETFs’ top holdings, familiar large tech and semiconductor names appear: Apple, NVIDIA, Amazon, Microsoft, Meta, Alphabet, and others. Each of these is a small slice of the total portfolio, with the largest single stock exposure a bit above 2%. That indicates no single company dominates, even though these names appear in multiple funds. Because the analysis only uses ETF top‑10 lists, overlap is likely understated, but the overall picture still shows a broad base of holdings underneath. This structure combines the diversification of index funds with some inevitable concentration in the world’s biggest companies, which is typical for market‑cap‑weighted products.
Factors
Factor exposure shows strong tilts toward value (70%) and smaller size (63%) relative to a neutral 50% market baseline. Factors are like underlying “personality traits” of investments that research links to long‑term returns. A value tilt means the portfolio leans toward stocks trading at lower prices relative to fundamentals, while a size tilt emphasizes smaller companies. Momentum, quality, yield, and low volatility all sit in the neutral band, meaning they’re roughly market‑like and not driving behavior. This value‑and‑size profile suggests the portfolio may behave differently than broad indices at times, potentially lagging during strong growth‑stock rallies but often holding up relatively well when cheaper or smaller companies come back into favor.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 30.00% 30.6% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 25.00% 22.9% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 18.3% -
American Century ETF Trust - Avantis U.S. Large Cap Value ETF
Weight: 15.00% 14.9% -
Avantis® International Small Cap Value ETF
Weight: 7.50% 7.0% - Top 5 risk contribution 93.7%
Risk contribution stats show how much each ETF drives overall ups and downs, which can differ from simple weight. The total US market ETF is 30% of the portfolio but contributes about 30.6% of risk, almost one‑for‑one. The total international fund is 25% of weight and about 22.9% of risk, slightly less. The US small‑cap value ETF stands out: it’s 15% by weight but contributes 18.3% of total risk, reflecting its higher volatility. Altogether, the three largest positions account for about 71.8% of the portfolio’s volatility. This is still reasonably balanced, and the risk concentration is consistent with their role as the core building blocks of the allocation.
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 this portfolio’s risk/return mix with the best combinations possible using the same holdings. The Sharpe ratio, a common risk‑adjusted return measure, is 0.58 for the current mix, while the “optimal” combination reaches 0.90 with similar risk. The portfolio also sits about 2.3 percentage points below the efficient frontier at its current volatility level. In plain terms, that means the existing ingredients could be weighted differently to target a better balance between risk and expected return, without adding new funds. Even so, the current mix already achieves a reasonable return for its risk and isn’t wildly inefficient relative to these modelled alternatives.
Dividends
- Avantis® International Small Cap Value ETF 4.10%
- Avantis® Emerging Markets Value ETF 3.40%
- American Century ETF Trust - Avantis U.S. Large Cap Value ETF 1.40%
- Avantis® U.S. Small Cap Value ETF 1.60%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.10%
- Weighted yield (per year) 1.84%
The overall dividend yield is about 1.84%, coming from a mix of lower‑yielding broad US exposure and higher‑yielding international value and emerging markets funds. Dividend yield is the cash paid out each year as a percentage of the portfolio’s value, similar to rent from a property. In this portfolio, income is a meaningful but not dominant part of total return; price changes in the underlying stocks will drive most of the long‑term outcome. The relatively higher yields in the international small‑cap value and emerging value sleeves are consistent with their value focus, which often emphasizes companies that return more cash to shareholders.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® Emerging Markets Value ETF 0.36%
- American Century ETF Trust - Avantis U.S. Large Cap Value ETF 0.15%
- 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) 0.14%
Average ongoing fund costs (TER) land at about 0.14%, which is impressively low for an active‑tilted, globally diversified equity mix. TER, or Total Expense Ratio, is the annual fee charged by the funds, taken out of returns in the background. Low costs matter because they compound over time: every fraction of a percent not spent on fees stays invested. Here, the blend of ultra‑low‑cost core index ETFs with slightly higher‑cost value strategies keeps the overall fee level lean while still enabling factor tilts. This cost profile is a strong structural positive and supports better long‑term net performance compared to higher‑fee setups.
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