Strong value tilt global equity blend with moderate bond ballast and room for efficiency gains

Report created on Apr 24, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is mainly an equity mix, with about two-thirds in actively managed stock mutual funds and the rest split between a broad international stock ETF and two bond-oriented funds. The largest single position, a US-focused equity fund, makes up almost a third of the total, while no other holding exceeds roughly one-fifth. That creates a “hub and spokes” structure with a clear anchor position. This layout matters because the biggest holdings usually drive most of the behavior. Here, equities clearly dominate, with bonds acting as a smaller stabilizer. Overall, the portfolio is broadly diversified across several managers and strategies, but the top three holdings still play an outsized role in how the portfolio moves day to day.

Growth Info

From 2016 to 2026, $1,000 in this portfolio grew to about $2,715, a compound annual growth rate (CAGR) of 10.53%. CAGR is like average speed on a road trip — it smooths out all the bumps to show steady yearly progress. Over the same period, the US market and global market grew faster, so this portfolio underperformed them by 4.34 and 1.63 percentage points a year, respectively. The deepest drop was about -36.5% during early 2020, slightly worse than the benchmarks. It then recovered in around eight months, showing resilience. A small number of days (32) generated most of the gains, which is typical for diversified stock portfolios and highlights how returns often come in short bursts.

Projection Info

The Monte Carlo projection uses the past to create thousands of “what if” futures, randomly mixing returns to show a range of outcomes. Here, 1,000 simulations of the next 15 years suggest a median outcome of about $2,666 from $1,000 invested, with a typical middle band between roughly $1,828 and $3,772. In simple terms, Monte Carlo doesn’t predict one future; it maps many possible paths based on historical patterns. Across all simulations, the average annual return is 7.46%, with about three out of four scenarios ending positive. As always, these are just models: markets can behave very differently from history, especially around big economic or geopolitical shocks.

Asset classes Info

  • Stocks
    85%
  • Bonds
    15%

The portfolio is about 85% stocks and 15% bonds, which fits the “balanced but growth-leaning” label. Asset classes are the broad buckets — like stocks and bonds — that tend to behave differently over time. Stocks usually drive long-term growth but can swing sharply, while bonds generally move less and can soften equity downturns. Compared with a classic 60/40 stock–bond split, this mix leans more toward growth and volatility, but still has a meaningful bond component. That bond slice, largely in income and plus-style strategies, offers some income and potential cushioning, though it is too small to dominate the overall risk and return profile, which remains primarily equity-driven.

Sectors Info

  • Financials
    19%
  • Technology
    13%
  • Industrials
    12%
  • Telecommunications
    8%
  • Real Estate
    7%
  • Consumer Discretionary
    6%
  • Basic Materials
    6%
  • Health Care
    6%
  • Energy
    5%
  • Consumer Staples
    4%
  • Consumer Discretionary
    2%
  • Utilities
    1%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is spread across many areas, with financials the largest at 19%, followed by technology, industrials, and telecommunications. No single sector dominates to an extreme degree, and this broad mix is well-aligned with a diversified equity approach. Sector diversification matters because different parts of the economy respond differently to interest rates, inflation, and growth surprises. For example, financials can be more sensitive to rate changes, while technology often reacts more to growth expectations. Here, the portfolio avoids an extreme tilt toward a single “story” sector, which helps smooth performance when leadership rotates between economically sensitive and more defensive parts of the market.

Regions Info

  • North America
    54%
  • Europe Developed
    19%
  • Asia Developed
    8%
  • Asia Emerging
    7%
  • Japan
    7%
  • Australasia
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 54% is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and a meaningful slice in emerging markets. This is broadly similar to global equity indexes, which are also heavily weighted toward North America but still include substantial international exposure. Geography matters because different regions have different currencies, economic cycles, and policy environments. This portfolio’s structure means returns won’t be tied only to the US; there’s clear participation in both developed and emerging markets. That global reach is a positive sign for diversification, helping reduce the impact of any single country or region struggling for an extended period.

Market capitalization Info

  • Mega-cap
    25%
  • Large-cap
    20%
  • Mid-cap
    19%
  • Small-cap
    10%
  • Micro-cap
    4%

This breakdown covers the equity portion of your portfolio only. Some holdings may not have full classification data available. Percentages may not add up to 100%.

By market capitalization, the portfolio holds a broad mix: roughly a quarter in mega-cap names, then sizable allocations to large-, mid-, and small-cap stocks, plus a noticeable micro-cap slice. Market cap is simply company size as measured by total stock value, and size affects both risk and potential return. Large and mega caps tend to be more stable and widely followed, while smaller companies can be more volatile but also more sensitive to local growth and innovation. Compared with a typical broad market index, this portfolio leans more into small and mid caps. That tilt can increase day-to-day swings but also adds another dimension of diversification beyond the largest global companies.

True holdings Info

  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.73%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Samsung Electronics Co Ltd
    0.28%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • ASML Holding N.V.
    0.27%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Tencent Holdings Ltd
    0.20%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • SK Hynix Inc
    0.16%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • AstraZeneca PLC
    0.15%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Novartis AG
    0.15%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Roche Holding AG
    0.15%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Alibaba Group Holding Ltd
    0.15%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • HSBC Holdings PLC
    0.15%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Top 10 total 2.38%

This breakdown covers the equity portion of your portfolio only.

The look-through data, though limited to top ETF holdings, shows exposure to several big global names like Taiwan Semiconductor, Samsung, ASML, and Tencent. Each of these appears only in small weights individually, and there is no obvious single company overlap dominating the portfolio. Look-through analysis is useful because the same company can show up in multiple funds, quietly concentrating risk. Here, overlap appears modest among the largest positions we can see, although coverage is only about 2.4% of the portfolio. That means hidden concentration is likely low at the very top company level, but the true picture deeper down in the funds could be more complex than this partial snapshot suggests.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 74%
Size
Exposure to smaller companies
High
Data availability: 74%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 74%
Quality
Preference for financially healthy companies
Neutral
Data availability: 74%
Yield
Preference for dividend-paying stocks
Low
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 74%

Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.

Factor exposure shows strong tilts toward value, smaller size, and low volatility, with neutral readings for momentum and quality and a slightly low tilt for yield. Factors are characteristics — like “cheapness” (value) or company size — that research has linked to long-term performance differences. A high value tilt means the portfolio leans toward stocks priced more cheaply relative to fundamentals, which can lag in growth-driven markets but often shine when investors favor earnings and cash flows. The high size tilt indicates a meaningful overweight to smaller companies. Combined with the high low-volatility tilt, the portfolio has an unusual mix: smaller and cheaper stocks, but with a bias toward historically steadier names rather than the riskiest small caps.

Risk contribution Info

  • U.S. VECTOR EQUITY PORTFOLIO U.S. VECTOR EQUITY PORTFOLIO - INSTITUTIONAL CLASS
    Weight: 31.57%
    39.8%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 21.05%
    22.1%
  • DFA International Vector Equity Ptf
    Weight: 15.79%
    16.1%
  • STOCKSPLUS FUND INSTITUTIONAL
    Weight: 10.53%
    11.5%
  • EMERGING MARKETS VALUE PORTFOLIO EMERGING MARKETS VALUE PORTFOLIO - INSTITUTIONAL CLASS
    Weight: 10.53%
    9.0%
  • Top 5 risk contribution 98.6%

Risk contribution shows how much each holding drives the overall ups and downs, which can differ from simple weights. Here, the US Vector Equity fund is about 32% of the portfolio but contributes almost 40% of total risk, making it the main driver of volatility. The next two holdings lift the top three’s combined risk contribution to about 78%, even though their total weight is around 68%. That kind of clustering is common when a few diversified funds dominate the allocation. Notably, the emerging markets value fund contributes less risk than its weight, suggesting it behaves slightly more calmly than expected relative to the other equity pieces, at least in historical volatility terms.

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 below the efficient frontier by about 2 percentage points of return at its risk level. The efficient frontier shows the best expected return for each level of volatility using only the existing holdings in different mixes. The current Sharpe ratio — a measure of return per unit of risk — is 0.49, while the max-Sharpe version from the same holdings is 0.8. This gap suggests that simply reweighting the current funds, without adding anything new, could historically have achieved a better risk/return balance. The minimum-variance mix shows that much lower volatility is also possible, though at a much lower expected return.

Dividends Info

  • EMERGING MARKETS VALUE PORTFOLIO EMERGING MARKETS VALUE PORTFOLIO - INSTITUTIONAL CLASS 3.30%
  • PIMCO INCOME FUND INSTITUTIONAL 5.90%
  • STOCKSPLUS FUND INSTITUTIONAL 18.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 3.46%

The overall dividend yield is about 3.46%, meaning the portfolio pays out a moderate level of income relative to its value. Dividend yield is the annual cash payout from holdings divided by price, like getting a yearly “rent” from your investments. The income fund and the StocksPLUS fund show particularly high yields, with StocksPLUS standing out at 18.1%, which likely reflects a mix of bond income and derivatives-related distributions rather than plain stock dividends. Meanwhile, the broad international ETF contributes a more typical equity yield around 2.8%. This combination means income forms a meaningful, though not overwhelming, part of total return, complementing the growth potential from capital gains.

Ongoing product costs Info

  • EMERGING MARKETS VALUE PORTFOLIO EMERGING MARKETS VALUE PORTFOLIO - INSTITUTIONAL CLASS 0.44%
  • U.S. VECTOR EQUITY PORTFOLIO U.S. VECTOR EQUITY PORTFOLIO - INSTITUTIONAL CLASS 0.24%
  • DFA International Vector Equity Ptf 0.29%
  • PIMCO INCOME FUND INSTITUTIONAL 0.54%
  • STOCKSPLUS FUND INSTITUTIONAL 0.79%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.32%

The weighted ongoing cost (TER) of the portfolio is about 0.32% per year, which is impressively low for a mix of active funds and an ETF. TER is like an annual service fee taken directly from the fund, quietly reducing returns over time. Here, the cheap international index ETF at 0.05% helps anchor overall costs, while even the active equity funds are in a moderate fee range. The higher-cost pieces are the bond and StocksPLUS strategies, but their weights are limited enough that they don’t push total costs up too much. This cost profile is a real strength: lower fees leave more of any future returns in the portfolio rather than going to managers.

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