Globally diversified stock portfolio with value and low volatility tilts and moderate growth oriented risk profile
Report created on Jul 13, 2026Risk profile
5/7
Diversification profile
4/5
Positions
-
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 36.37% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 27.27% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 18.18% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 9.09% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 9.09%
This portfolio is a five‑ETF, all‑stock mix with broad coverage of both US and international markets. The two Vanguard total market funds make up about two‑thirds of the allocation, providing wide exposure across thousands of companies worldwide. The remaining third is tilted toward specific strategies: US momentum, and US and international small‑cap value. This structure combines a simple “core” with more targeted “satellite” positions. That kind of core‑satellite structure matters because the core often drives stability and market‑like behavior, while the satellites nudge the portfolio’s risk and return characteristics in specific directions without overwhelming the overall mix.
Growth
From late 2019 to mid‑2026, a hypothetical $1,000 in this portfolio grew to about $2,694, a compound annual growth rate (CAGR) of 15.77%. CAGR is the “average speed” of growth per year, smoothing out the bumps along the way. This slightly lagged the US market benchmark but clearly outpaced the global benchmark. The portfolio’s worst peak‑to‑trough fall (max drawdown) was about -35%, very close to the benchmarks’ worst drops. That shows this is firmly an equity‑like risk experience: strong long‑term growth with sizeable short‑term swings, in line with broad stock markets rather than being unusually extreme.
Projection
The Monte Carlo simulation uses past returns and volatility to spin up 1,000 alternate 15‑year futures, like running many “what if” market histories. The median outcome turns $1,000 into about $2,817, while the central 50% of scenarios land between roughly $1,883 and $4,252. There’s about a 76% chance of ending above the starting amount, and the average annualized return across simulations is 8.29%. These numbers illustrate the wide range of potential equity outcomes: results cluster around positive growth but still include flat or negative paths. It’s important to remember simulations rely on historical patterns, which can shift; they frame possibilities, not guarantees.
Asset classes
- Stocks 100%
The portfolio is 100% in stocks, with no bonds or cash in the mix. Asset classes are broad buckets like stocks, bonds, and cash, each with different risk and return behaviors. Being all‑equity generally means higher expected long‑term growth but also larger and more frequent short‑term swings, since there’s no stabilizing bond component. Compared to a multi‑asset portfolio, this setup concentrates risk in a single growth‑oriented asset class, which aligns with the “Growth” risk label and 5/7 risk score. The diversification score of 4/5 reflects that, within stocks, exposure is spread widely, even if there’s no cross‑asset cushioning.
Sectors
- Technology 27%
- Financials 16%
- Industrials 14%
- Consumer Discretionary 9%
- Health Care 7%
- Telecommunications 6%
- Basic Materials 6%
- Energy 6%
- Consumer Staples 5%
- Utilities 2%
- Real Estate 2%
Sector exposure is well spread, with technology the largest at 27%, followed by financials and industrials, while more defensive areas like utilities and real estate sit in the low single digits. This pattern is broadly similar to major global equity benchmarks, where tech and related industries tend to dominate due to their large market values. Sector diversification matters because different parts of the economy react differently to interest rates, inflation, and growth cycles. A tech‑heavy tilt can support growth during innovation booms but may be more sensitive when rates rise or when investors rotate into more cyclical or defensive areas.
Regions
- North America 58%
- Europe Developed 17%
- Japan 8%
- Asia Developed 6%
- Asia Emerging 5%
- Australasia 2%
- Africa/Middle East 2%
- Latin America 1%
Geographically, about 58% of the portfolio sits in North America, with the rest spread across developed Europe, Japan, other developed Asia, and a smaller slice in emerging regions. This is reasonably close to global equity market weights, meaning the portfolio is not dramatically over‑ or under‑exposed to any single region. Geographic diversification helps because economies and currencies don’t move in lockstep; weakness in one region can be offset by strength elsewhere. Having meaningful exposure outside North America also brings in different policy environments and industry mixes. This alignment with broad global patterns is a solid base for diversified stock risk.
Market capitalization
- Mega-cap 35%
- Large-cap 29%
- Mid-cap 18%
- Small-cap 11%
- Micro-cap 6%
By market size, the portfolio leans toward larger companies but still has a healthy spread: about 35% in mega‑caps, 29% in large‑caps, and the rest in mid, small, and micro‑caps. Market capitalization is simply the total value of a company’s shares and often correlates with business maturity and stability. Large and mega‑caps tend to be more stable and widely followed, while small and micro‑caps can be more volatile but sometimes offer higher growth potential. Here, the added small‑cap value funds noticeably boost exposure to smaller firms relative to a pure cap‑weighted index, which can increase both diversification and risk.
True holdings
-
NV NVIDIA Corporation 3.32%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 2.41%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.98%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc. 1.72%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.65%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.44%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.31%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 1.25%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 0.98%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
SS Samsung Electronics Co Ltd 0.79%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 16.84%
Looking through ETF top‑10 holdings, a modest share of the portfolio clusters in a handful of big names like NVIDIA, Micron, Broadcom, Apple, Alphabet, Microsoft, Amazon, and Taiwan Semiconductor. Combined, these large technology and communication firms take up a visible slice of the covered portion, and some appear via multiple ETFs. Overlap matters because owning the same company in several funds can quietly increase concentration, even when individual ETF weights look small. Coverage here is only about a quarter of the portfolio, based on top‑10 holdings, so actual overlap across all positions may be somewhat higher than it appears.
Factors
Factor data shows notable tilts toward value (61%) and low volatility (60%), with size, momentum, quality, and yield close to neutral. Factors are traits like “cheap vs. expensive” or “stable vs. volatile” that research links to long‑term return patterns. A value tilt means relatively more exposure to companies trading at lower prices relative to fundamentals, which can lag in growth‑driven markets but historically have had periods of catch‑up outperformance. A low‑volatility tilt leans toward steadier stocks, which often fall less in downturns but may lag in sharp rallies. Together, these tilts suggest a growth‑oriented portfolio with a slight bias toward “cheaper” and somewhat steadier companies.
Risk contribution
-
Vanguard Total International Stock Index Fund ETF Shares
Weight: 36.37% 33.8% -
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 27.27% 27.8% -
Invesco S&P 500® Momentum ETF
Weight: 18.18% 19.0% -
Avantis® U.S. Small Cap Value ETF
Weight: 9.09% 11.2% -
Avantis® International Small Cap Value ETF
Weight: 9.09% 8.3%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from its weight. The three largest positions account for about 80% of total risk, broadly in line with their combined allocation. The US small‑cap value fund contributes more risk than its weight would suggest (risk/weight 1.23), reflecting the higher volatility of smaller, value‑oriented companies. In contrast, the international small‑cap value ETF adds slightly less risk than its weight. Overall, risk is reasonably spread across the main building blocks, with no single holding dominating, which fits the “Broadly Diversified” risk classification.
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 balance to the best combinations possible using only the existing holdings. The current mix has a Sharpe ratio of 0.64, below both the optimal portfolio (0.99) and the minimum‑variance version (0.72), and sits about 3 percentage points under the frontier at its risk level. The Sharpe ratio is a simple measure of return per unit of risk above cash; higher is better. Being below the frontier means that, in theory, a different weighting of the same five ETFs could deliver either higher returns for similar risk or similar returns with lower volatility.
Dividends
- Avantis® International Small Cap Value ETF 2.80%
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco S&P 500® Momentum ETF 0.70%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.60%
- Weighted yield (per year) 1.72%
The portfolio’s overall dividend yield is about 1.72%, coming from a mix of relatively higher‑yielding international and small‑cap value funds and lower‑yielding US and momentum funds. Dividend yield is the annual cash payout as a percentage of share price, like a paycheck from the portfolio. This level suggests that most of the expected return historically has come from price growth rather than income. That’s common in growth‑oriented, equity‑only portfolios. Dividends can still play a helpful role by smoothing total return and providing some cash flow, but here they are clearly a supporting actor, not the main performance driver.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco S&P 500® Momentum ETF 0.13%
- 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) 0.11%
The weighted average ongoing fee (TER) across the ETFs is about 0.11% per year, which is very low by industry standards. TER is like a small annual “membership fee” charged by the funds, quietly deducted from performance. Keeping this cost low helps more of the portfolio’s gross return show up in your account over time, and the difference compounds over many years. The largest core index funds are particularly cheap, and even the more specialized small‑cap value ETFs are reasonably priced for their strategies. Overall, the cost structure here is impressively efficient and supports better long‑term net outcomes.
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