A globally diversified stock portfolio with strong small value tilts and moderate growth concentration

Report created on Mar 17, 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 almost entirely in stocks, split between broad global index funds and targeted small value and growth exposures. The core positions in total U.S. and total international funds form a solid backbone, closely mirroring common global benchmarks. On top of that, there are meaningful tilts toward small value and a concentrated growth index, which create purposeful departures from a plain market-weighted mix. That blend offers both broad diversification and targeted style bets. Anyone using a structure like this might keep the core allocations as their “default” exposure and then fine-tune the size of the style tilts based on comfort with higher volatility and tracking error versus a simple global index.

Growth Info

Using a hypothetical long-term investment, the portfolio’s historical compound annual growth rate (CAGR) of about 11.5% indicates very strong past growth, especially for a balanced-risk equity profile. CAGR measures the “average speed” of growth over time, smoothing out the bumps along the way. A maximum drawdown of roughly -26% shows that, while there were significant drops, they were milder than full-equity bear markets, which can exceed -50%. This balance between high historical growth and controlled downside is encouraging and suggests the structure has worked well. Still, past performance never guarantees future outcomes, so it’s smart to focus on whether this risk-return mix still fits current goals rather than chasing historical numbers.

Projection Info

The Monte Carlo analysis, which runs many simulated futures using historical patterns, shows a very wide range of outcomes. With 1,000 simulations, the median result around +352% and the 67th percentile above +550% highlight strong upside potential if markets behave favorably. The 5th percentile, at about +38%, shows that even in weaker modeled scenarios, capital often still grows, though much more modestly. Monte Carlo is not a prediction; it’s more like rolling loaded dice based on past data to see possible paths. Because markets evolve and regimes change, these projections should be treated as planning tools, not promises, guiding decisions on savings rates, time horizons, and risk comfort.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Asset allocation is almost pure equity at 99% stocks and 1% cash, which is clearly growth-oriented and lines up with the “balanced but equity-heavy” risk profile. This stock concentration maximizes long-term growth potential but also means portfolio value will swing with equity market cycles. Compared with more traditional mixes that include bonds or other stabilizing assets, this structure will likely feel more volatile, especially during sharp downturns. The diversification within equities is excellent, but asset-class diversification is minimal. Someone using this framework might consider adding a stable component—such as cash-like or defensive holdings—if they anticipate needing withdrawals soon, or if their emotional tolerance for big drawdowns is lower than their theoretical risk score suggests.

Sectors Info

  • Technology
    23%
  • Financials
    17%
  • Industrials
    13%
  • Consumer Discretionary
    12%
  • Telecommunications
    7%
  • Health Care
    7%
  • Basic Materials
    6%
  • Energy
    6%
  • Consumer Staples
    5%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is broad and well-spread across technology, financials, industrials, consumer cyclicals, communication services, healthcare, materials, energy, defensive consumer, utilities, and real estate. Technology sits at the top with about 23%, which is quite similar to many global benchmarks and reflects where market value is concentrated today. This alignment is a strength: the sector mix is modern and diversified, not overly skewed toward any single area. However, a tech-heavy market does mean that rising interest rates or regulatory changes can hit growth-oriented companies harder. Regularly glancing at the sector mix, and making sure the tech and communication services weight matches personal comfort, helps maintain a balance between capturing innovation and managing volatility.

Regions Info

  • North America
    58%
  • Europe Developed
    15%
  • Japan
    8%
  • Asia Emerging
    7%
  • Asia Developed
    6%
  • Australasia
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%

Geographically, the portfolio tilts toward North America at around 58%, with meaningful allocations to developed Europe, Japan, and both developed and emerging Asia, plus smaller slices in Australasia, Africa/Middle East, and Latin America. This is quite similar to a global market-weighted approach and is a strong sign of thoughtful international diversification. Such a spread reduces reliance on any single economy and benefits from different growth cycles and currency moves. At the same time, there is still a clear home bias toward the U.S., which is common and has been rewarded recently. Anyone using this structure could periodically ask whether their comfort with non-U.S. exposure has changed, especially if foreign markets lag or outperform for extended periods.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    25%
  • Mid-cap
    20%
  • Small-cap
    13%
  • Micro-cap
    6%

Market capitalization exposure is nicely layered across mega, large, mid, small, and even micro caps, with a clear tilt toward smaller companies. The combination of broad total-market funds and dedicated small value ETFs creates this size spread. Smaller firms often have higher growth potential but also come with more volatility and sometimes more severe drawdowns. This structure is well-balanced and aligns closely with global standards while deliberately leaning into smaller companies for potential return enhancement. Keeping this tilt modest, as it is here, can be a sweet spot: enough to matter, but not so extreme that the portfolio’s behavior completely diverges from broad-market benchmarks during different market cycles.

True holdings Info

  • NVIDIA Corporation
    3.04%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    2.80%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    2.13%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    1.51%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    1.31%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    1.10%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    1.10%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    1.08%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.03%
    Part of fund(s):
    • Vanguard International Equity Index Funds - Vanguard FTSE Emerging Markets ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • iShares Asia 50 ETF
  • Tesla Inc
    0.99%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 16.09%

Looking through ETF top holdings, the biggest underlying exposures are large U.S. growth names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, and Tesla. Together they represent a noticeable slice of the portfolio, driven mainly by the total U.S. fund and the NASDAQ-focused ETF. This creates a growth “spine” that has powered returns in recent years. However, using only top-10 ETF holdings understates overlap, so true exposure to these giants is probably a bit higher. Anyone running a structure like this could periodically check whether this concentration in mega-cap growth remains intentional and in line with their comfort level, especially if those names go through a period of underperformance or sharp volatility.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 35%
Size
Exposure to smaller companies
Very high
Data availability: 55%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 100%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
No data
Data availability: 0%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure shows strong tilts toward size, value, and momentum, with moderate low volatility influence. Factor investing targets characteristics like value (cheap vs. expensive), size (small vs. large), and momentum (recent winners), which research has linked to long-term returns. Here, the combination of small value ETFs and growth-heavy large caps produces an interesting mix: value and small size may shine after downturns or in mean-reversion phases, while momentum can help in powerful uptrends. Limited data on quality and yield means those characteristics are less clearly defined. This factor blend is quite intentional and can perform very differently from a plain market portfolio; re-checking comfort with these tilts during long stretches where they lag the market is important.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 35.00%
    36.1%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 30.00%
    26.8%
  • Invesco NASDAQ 100 ETF
    Weight: 10.00%
    12.3%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 10.00%
    11.7%
  • Avantis® International Small Cap Value ETF
    Weight: 10.00%
    9.1%
  • Top 5 risk contribution %

Risk contribution, which measures how much each holding adds to total ups and downs, reveals that the two broad total-market funds and the NASDAQ ETF drive most of the portfolio’s volatility. The top three positions contribute about 75% of overall risk, which is high but reasonable given their combined weight and overlap. The NASDAQ fund, in particular, contributes more risk than its weight due to its concentrated growth nature. Think of it as a loud instrument in an otherwise balanced orchestra. Periodic rebalancing—trimming positions whose risk contribution has grown too large relative to their intended role—helps keep the overall risk profile aligned with the desired comfort zone and long-term plan.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Invesco NASDAQ 100 ETF
    High correlation

Correlation describes how assets move together, with higher correlation meaning they tend to rise and fall at the same time. In this portfolio, the total U.S. market fund and the NASDAQ ETF are highly correlated because they share many of the same large growth companies. That overlap reduces diversification benefits; during U.S. tech-driven selloffs, both funds likely drop together. The good news is that substantial international and small value exposure provides diversification across other regions and styles. Still, when two holdings behave almost identically, they mainly amplify the same risk. Before making changes, it can help to ask whether the extra concentration in those correlated growth names is intentional or if a simpler, less overlapping setup would feel more comfortable.

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.

Risk and return could likely be fine-tuned using an Efficient Frontier analysis, which finds the mix of existing holdings that offers the best possible trade-off between volatility and expected return. “Efficient” here means getting the most expected return for each unit of risk, not necessarily maximizing diversification or minimizing drawdowns. The note that highly correlated assets bring limited diversification is particularly relevant: reducing overlap between similar U.S. growth exposures may shift the portfolio closer to the Efficient Frontier without sacrificing return potential. Any optimization would work only within the current set of funds, rebalancing their weights rather than adding new products, making it a clean way to explore whether small tweaks could improve the overall risk-return profile.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.00%
  • Avantis® Emerging Markets Value ETF 3.10%
  • Avantis® U.S. Small Cap Value ETF 1.80%
  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 3.10%
  • Weighted yield (per year) 2.00%

The overall dividend yield around 2% is respectable for a growth-focused stock portfolio. Higher-yielding components, such as international and emerging markets value funds, offset the low yields from growth-heavy and NASDAQ exposures. Dividends can be thought of as “paychecks” from investments, which may be especially useful for those seeking partial income while still prioritizing growth. However, because the portfolio is strongly tilted toward total return and capital appreciation, dividends are a secondary, not primary, feature. For someone who values income more, shifting slightly toward higher-yielding areas within the same diversified structure could be considered, but it’s important to remember that chasing yield alone can sometimes increase risk or reduce growth potential.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® Emerging Markets Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • 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) 0.12%

With a total expense ratio (TER) of about 0.12%, costs are impressively low, supporting better long-term performance. TER is the annual fee charged by funds, and small differences compound significantly over decades. The ultra-low-cost core index funds keep the fee base minimal, while the somewhat higher-cost factor and value ETFs are used sparingly and purposefully. This strikes a good balance between keeping costs tight and still using more specialized strategies where they can add value. Staying vigilant on fees—especially if adding new funds—helps prevent cost creep. It’s often worth questioning whether any new, higher-cost strategy truly adds something distinct, given that the existing lineup already delivers strong diversification and clearly defined tilts.

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