Concentrated global equity portfolio with strong value tilt and efficient risk return balance
Report created on Apr 28, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
AV American Century ETF Trust
AVGV - US0250722164 40.00% -
VT Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 40.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 20.00%
This portfolio is a three-ETF mix holding only stocks, with 40% in an American Century equity ETF, 40% in a global Vanguard equity ETF, and 20% in a US momentum ETF. Structurally, it’s simple and easy to understand, with each fund carrying a meaningful share of the total. A concentrated lineup like this can still be well diversified if the underlying holdings span many regions, sectors, and company sizes, which is the case here. The clear split between broad global exposure and a focused momentum sleeve means the portfolio behaves mostly like a global stock basket, with an extra tilt toward recent US winners layered on top.
Growth
From mid‑2023 to April 2026, $1,000 in this portfolio grew to about $1,816, implying a Compound Annual Growth Rate (CAGR) of 23.7%. CAGR is the “average speed” of growth per year, smoothing out bumps along the way. Over this period, the portfolio outpaced both the US market and the global market by roughly 3.5–4.5 percentage points per year. The worst peak‑to‑trough drop was about ‑17%, similar to broad markets, and it recovered within months. This combination of higher returns with comparable drawdowns suggests the mix of holdings has been rewarded in the recent environment, though that cannot be assumed going forward.
Projection
The forward projection uses a Monte Carlo simulation, which runs 1,000 different “what if” paths based on past volatility and returns. Think of it as rolling the dice on many possible futures while respecting how the portfolio has behaved historically. Over 15 years, the median outcome turns $1,000 into about $2,744, with a wide typical range from roughly $1,788 to $4,253. Extreme scenarios stretch from almost no growth to very strong compounding. The average simulated annual return is 8.18%, but these numbers are not promises—markets rarely follow a smooth path, and future conditions can differ significantly from the historical patterns used in the model.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with no bonds, cash, or alternative assets included. A 100% equity allocation typically offers higher long‑term growth potential but also larger swings in value over shorter periods, because there is no steadier asset class to offset market drops. Compared with a blended stock‑and‑bond benchmark, this makes the portfolio naturally more sensitive to equity cycles and economic news. Within equities, holdings still span many industries and regions, which helps with diversification inside the asset class. However, the absence of other asset types means all risk and return are tied to how global companies perform over time.
Sectors
- Technology 24%
- Financials 16%
- Industrials 14%
- Consumer Discretionary 10%
- Energy 8%
- Health Care 7%
- Telecommunications 7%
- Consumer Staples 5%
- Basic Materials 5%
- Utilities 2%
- Real Estate 2%
Sector exposure is fairly spread out, with technology the largest at 24%, followed by financials, industrials, and consumer areas. Compared with many broad benchmarks, technology is somewhat elevated but not extreme, while more defensive segments like utilities and real estate remain small. This structure means the portfolio’s fortunes are more linked to economically sensitive businesses than to highly regulated or stable‑demand sectors. Tech‑heavy allocations can benefit strongly when innovation and growth stocks lead, but they tend to feel interest rate moves and sentiment shifts more. The diversified mix across several sizable sectors helps reduce the impact of any single industry shock, even with a noticeable lean toward tech‑driven companies.
Regions
- North America 71%
- Europe Developed 11%
- Japan 5%
- Asia Developed 4%
- Asia Emerging 4%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 71% of the portfolio sits in North America, with the rest spread across Europe, Japan, other developed Asia, and emerging markets. This US‑heavy stance is common: global indices are also dominated by North American companies, though this portfolio leans slightly more that way than a perfectly world‑cap‑weighted mix. The benefit is strong exposure to markets that have led performance in recent years, along with a single dominant currency. The trade‑off is that economic and policy events in one region can have an outsized effect. The smaller allocations to Europe and Asia still contribute useful diversification by tapping into different growth and interest rate environments.
Market capitalization
- Large-cap 33%
- Mega-cap 30%
- Mid-cap 22%
- Small-cap 10%
- Micro-cap 4%
The market cap breakdown shows a broad spread: roughly 63% in mega‑ and large‑cap names, 22% in mid‑caps, and around 14% in small and micro‑caps combined. Large and mega companies tend to be more stable and widely followed, anchoring the portfolio with businesses that usually have established earnings and global footprints. The meaningful slice in mid and smaller caps adds exposure to firms that can be more nimble and growth‑oriented, but also more volatile. This blend lines up well with many global equity benchmarks, suggesting the portfolio participates in both blue‑chip stability and smaller‑company dynamism without over‑concentrating at either extreme.
True holdings
-
NV NVIDIA Corporation 3.44%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
AV Broadcom Inc 2.21%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
AA Apple Inc 1.84%
Part of fund(s):- American Century ETF Trust
- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
MU Micron Technology Inc 1.78%
Part of fund(s):- American Century ETF Trust
- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Invesco S&P 500® Momentum ETF
-
GO Alphabet Inc Class A 1.65%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.32%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
AM Amazon.com Inc 1.23%
Part of fund(s):- American Century ETF Trust
- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
XO Exxon Mobil Corp 1.11%
Part of fund(s):- American Century ETF Trust
- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Invesco S&P 500® Momentum ETF
-
MS Microsoft Corporation 1.06%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
LR Lam Research Corp 1.04%
Part of fund(s):- American Century ETF Trust
- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Invesco S&P 500® Momentum ETF
- Top 10 total 16.67%
Looking through the ETFs, the top underlying positions include well‑known technology and communication names like NVIDIA, Broadcom, Apple, Alphabet, Amazon, Microsoft, and semiconductor companies, plus a large energy name. Several of these appear across more than one ETF, creating some overlap and thus hidden concentration. For example, NVIDIA alone accounts for over 3% of the look‑through slice that’s visible, and many of the top holdings cluster in similar growth‑oriented areas. Because only the top‑10 ETF holdings are captured, real overlap is likely higher. This concentration means that performance of a handful of big companies can meaningfully sway overall returns, especially during sharp moves in those stocks.
Factors
Factor exposure shows a notable tilt toward value at 61%, while size, momentum, quality, yield, and low volatility all sit near neutral. Factors are like underlying “personality traits” of stocks—value, for example, focuses on companies priced cheaply relative to fundamentals. A mild value tilt means the portfolio leans slightly more toward such stocks than the broad market, which can help when cheaper areas rebound after periods of growth stock dominance. Momentum is roughly market‑like despite the explicit momentum ETF sleeve; this suggests the other funds offset that tilt. Overall, the factor profile is fairly balanced, with value standing out as the main distinct characteristic beyond a general market‑like mix.
Risk contribution
-
American Century ETF Trust
Weight: 40.00% 38.6% -
Vanguard Total World Stock Index Fund ETF Shares
Weight: 40.00% 38.0% -
Invesco S&P 500® Momentum ETF
Weight: 20.00% 23.4%
Risk contribution shows that each of the two 40% positions contributes about 38% of total portfolio volatility, while the 20% momentum ETF contributes over 23% of the risk. Risk contribution measures how much each holding drives the portfolio’s ups and downs, which can differ from its weight. Here, the momentum ETF punches slightly above its size in risk terms, as indicated by its risk/weight ratio above 1. This pattern is common for more concentrated or style‑tilted funds. Overall, risk is still fairly split between the three positions, so no single ETF overwhelmingly dominates behavior, though all portfolio risk is effectively concentrated in this small lineup.
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 lies on or very close to the efficient frontier. The efficient frontier represents the best return achievable for each risk level using different weight combinations of the existing holdings. The portfolio’s Sharpe ratio, which measures return per unit of risk above the risk‑free rate, is a solid 1.22. The optimal mix on the frontier has a higher Sharpe but also takes more risk, while the minimum‑variance mix slightly lowers risk and Sharpe. Being essentially on the frontier suggests the current weighting already uses these three ETFs in a way that balances risk and return efficiently, without obvious waste in the allocation.
Dividends
- American Century ETF Trust 2.00%
- Invesco S&P 500® Momentum ETF 0.80%
- Vanguard Total World Stock Index Fund ETF Shares 1.70%
- Weighted yield (per year) 1.64%
The overall dividend yield of about 1.64% reflects a mild income stream, with the American Century ETF providing the highest yield at 2.0%, followed by the global Vanguard ETF at 1.7%, and the momentum ETF at a lower 0.8%. Dividend yield measures cash distributions relative to the portfolio’s value, and here it forms a modest but steady component of total return alongside price changes. This level is typical for a growth‑tilted global equity mix: returns are expected to come more from capital appreciation than from income. Over time, reinvested dividends can still make a meaningful difference, especially when combined with compounding and any potential share price gains.
Ongoing product costs
- American Century ETF Trust 0.26%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- Weighted costs total (per year) 0.16%
The weighted average ongoing charge (TER) across the three ETFs is about 0.16% per year, which is impressively low for an all‑equity portfolio with global reach and a style tilt. TER, or Total Expense Ratio, is the annual fee charged by the funds, quietly reducing returns in the background. Keeping this number low helps more of any market gains stay in the portfolio, and the effect accumulates over long periods. Here, the broad global ETF is especially cheap at 0.07%, while the more specialized funds cost slightly more but still sit on the lower side for their categories. Overall, costs are a clear structural strength.
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