Globally diversified all stock portfolio with value and low volatility tilts and moderate risk level

Report created on Apr 30, 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 a 100% stock mix built entirely from broad-market and factor-focused ETFs. Around two-thirds sits in total market funds covering US and international stocks, while the remaining third emphasizes specific tilts such as small-cap value, emerging markets value, and momentum. This structure blends a simple core with more specialized “satellite” funds. That’s relevant because the core provides wide coverage of global stocks, and the tilts add targeted exposures that can behave differently over time. Overall, the portfolio ends up globally diversified, with no single ETF dominating risk or returns. The result is an equity-only structure that leans into certain styles but still looks like a global stock portfolio rather than a narrow, concentrated bet.

Growth Info

From late 2021 to April 2026, $1,000 in this portfolio grew to about $1,671, a compound annual growth rate (CAGR) of 11.99%. CAGR is like your average “speed” over the whole trip, smoothing out bumps along the way. Over the same period, the US market grew faster at 13.22%, while the global market returned 11.21%, so this portfolio lagged the US but slightly beat the global benchmark. The worst peak-to-trough drop, or max drawdown, was -26.2%, broadly in line with global stocks. It took about 16 months to recover, which is typical for equity-heavy portfolios. This shows fully invested stock exposure with volatility similar to world markets, but not dramatically more severe.

Projection Info

The Monte Carlo projection uses 1,000 simulations based on historical patterns to estimate a range of possible 15‑year outcomes. Think of it as rerunning history with small variations to see many plausible futures. The median ending value for $1,000 is about $2,750, or an annualized 8.15% across all simulations, with a “likely” middle band between roughly $1,824 and $4,370. There’s also a wide tail from about $969 to $7,683, underscoring that long-term stock investing can vary a lot. Around 74% of the simulations finish with a positive result. These numbers are not predictions or guarantees; they simply show how a portfolio with this risk profile might behave if future conditions rhyme with the past.

Asset classes Info

  • Stocks
    100%

All of this portfolio is in stocks, with no allocation to bonds, cash, or alternative assets. That’s important because asset classes differ in behaviour: stocks are typically higher risk and higher return over long periods, while bonds and cash generally reduce volatility but also lower expected growth. Being 100% equity means the portfolio will likely move more with global stock markets, both on the upside and in downturns. Compared with more mixed stock-and-bond blends, this structure accepts more short-term swings in exchange for higher long-run growth potential. It also means that diversification here comes from holding different kinds of stocks, not from mixing in fundamentally different asset types.

Sectors Info

  • Financials
    19%
  • Technology
    19%
  • Industrials
    15%
  • Consumer Discretionary
    10%
  • Basic Materials
    8%
  • Health Care
    7%
  • Energy
    6%
  • Telecommunications
    6%
  • Consumer Staples
    5%
  • Utilities
    3%
  • Real Estate
    2%

Sector exposure is quite balanced, with financials and technology each around 19%, followed by meaningful stakes in industrials, consumer discretionary, basic materials, health care, and energy. Smaller allocations go to telecoms, consumer staples, utilities, and real estate. This distribution looks broadly similar to a diversified global equity index, which is a good sign for sector diversification. A relatively even spread across economically sensitive and more defensive areas can help smooth performance because different sectors tend to lead and lag at different times. For instance, more cyclical sectors often benefit from economic expansions, while staples and utilities can offer steadier earnings when growth slows, providing complementary behaviour within the portfolio.

Regions Info

  • North America
    41%
  • Europe Developed
    22%
  • Japan
    12%
  • Asia Developed
    9%
  • Asia Emerging
    8%
  • Australasia
    3%
  • Africa/Middle East
    3%
  • Latin America
    1%
  • Europe Emerging
    1%

Geographically, the portfolio holds about 41% in North America, 22% in developed Europe, and 12% in Japan, with the rest spread across developed Asia, emerging Asia, Australasia, Africa/Middle East, and Latin America. This is closer to a truly global mix than a strongly home-biased portfolio. Compared with world equity benchmarks, which are often around 60% in North America, this setup gives more room to non-US regions. That broader spread can reduce reliance on a single economy, policy regime, or currency. It also means returns will reflect how multiple regions perform, so periods when the US leads or lags can have a more moderate effect compared with a heavily US‑tilted allocation.

Market capitalization Info

  • Mega-cap
    33%
  • Large-cap
    27%
  • Mid-cap
    22%
  • Small-cap
    12%
  • Micro-cap
    4%

Market capitalization is well distributed: roughly one-third in mega-caps, then sizeable exposure to large, mid, and small caps, plus a small slice of micro-caps. Mega- and large-cap stocks tend to be more stable and heavily researched, while mid and small caps can be more volatile but sometimes offer different growth or value characteristics. This mix supports diversification because companies of different sizes often respond differently to economic changes and market sentiment. The meaningful stake in smaller companies, especially when combined with value tilts elsewhere in the portfolio, suggests a willingness to hold areas that may behave less like the headline large-cap indices, adding another dimension to how the portfolio moves over time.

True holdings Info

  • NVIDIA Corporation
    2.09%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    1.48%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.31%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Microsoft Corporation
    1.09%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    0.99%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    0.92%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    0.80%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    0.73%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Samsung Electronics Co Ltd
    0.51%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Meta Platforms Inc.
    0.50%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 10.42%

Looking through ETF top-10 holdings, the largest underlying names include NVIDIA, Apple, Taiwan Semiconductor, Microsoft, Broadcom, Alphabet, Amazon, Samsung, and Meta. Each individual company still represents a relatively small slice of the total portfolio, with the biggest around 2%. Several of these appear across multiple funds, which creates some overlap, particularly in large global tech and communication names. However, coverage from top‑10 positions only captures about 18% of the full portfolio, so hidden concentration is likely limited. This suggests the portfolio indirectly holds thousands of stocks, with no single company dominating overall risk or return. Overlap is present but not extreme, which fits the goal of broad, diversified equity exposure.

Factors Info

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

Factor exposure shows clear tilts toward value, yield, and low volatility, with value at 64%, yield at 62%, and low volatility at 63% (where 50% is roughly market‑like). Factors are like underlying “traits” of stocks, such as being cheap, stable, or fast-rising, that research links to long-term return patterns. A value tilt means more exposure to companies priced lower relative to fundamentals, which can help during periods when investors favour cheaper stocks but may lag when growth or momentum dominates. Higher yield exposure suggests a bias toward dividend payers, adding a more income-oriented flavour. The low-volatility tilt indicates a preference for steadier names, which historically can help cushion some market swings, though not eliminate them.

Risk contribution Info

  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 38.00%
    37.2%
  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 25.00%
    25.5%
  • Avantis® International Small Cap Value ETF
    Weight: 15.00%
    15.2%
  • Avantis® Emerging Markets Value ETF
    Weight: 7.00%
    6.3%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 5.00%
    5.8%
  • Top 5 risk contribution 89.9%

Risk contribution measures how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. Here, the three biggest funds—Vanguard Total International, Vanguard Total Stock Market, and Avantis International Small Cap Value—collectively contribute about 78% of total risk, close to their combined weight. The risk/weight ratios are all near 1, with only a modest bump for the US small-cap value ETF. This means no single ETF is punching far above its size in terms of volatility impact. The portfolio’s risk is therefore spread in a fairly proportional way across positions, reflecting a structure where sizing and risk contribution line up closely rather than being dominated by one standout holding.

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 risk–return chart shows the current portfolio with an expected return of 12.72% and volatility of 16.13%, giving a Sharpe ratio of 0.54. The Sharpe ratio is a simple way to measure risk-adjusted return—how much extra return you get for each unit of risk above the risk-free rate. The optimal mix of these same holdings on the efficient frontier has a Sharpe of 1.0, and even the minimum-variance version scores 0.72. Because the current portfolio sits about 3.2 percentage points below the frontier at its risk level, the data suggests that a different weighting of the same ETFs could potentially improve the tradeoff between risk and return without adding new products.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.90%
  • Avantis® Emerging Markets Value ETF 3.00%
  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Invesco S&P International Developed Momentum ETF 3.60%
  • Invesco S&P 500® Momentum ETF 0.80%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 2.27%

The overall dividend yield of the portfolio is about 2.27%, drawing from a mix of higher‑yielding international and value funds and lower‑yielding US market and momentum funds. Dividend yield is the annual cash payout as a percentage of the current price, and it can be a meaningful part of total return alongside price changes. Here, the stronger yields from international small-cap value, emerging markets value, and the international momentum ETF lift the aggregate income profile. That creates a balance between growth-oriented holdings and more income-focused components. While dividends can provide a steadier stream of returns, they still fluctuate and are not guaranteed, especially during economic downturns or company-specific stress.

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 S&P International Developed Momentum 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) 0.14%

The portfolio’s weighted ongoing cost, or Total Expense Ratio (TER), is about 0.14% per year, which is impressively low for a mix that includes both broad index funds and more specialized factor strategies. TER is the annual fee charged by funds to cover management and operating expenses, and it quietly reduces returns over time. Here, very low-cost Vanguard core funds anchor the portfolio, while the Avantis and Invesco funds charge somewhat higher—but still moderate—fees for their more targeted approaches. Overall, this fee level aligns well with cost-efficient practices. Keeping expenses this low helps more of the portfolio’s gross returns stay in the portfolio, especially when compounded over long horizons.

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