Globally diversified stock portfolio with a clear small cap value tilt and moderate growth risk profile
Report created on May 6, 2026Risk profile
5/7
Diversification profile
4/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 40.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 25.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 20.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 15.00%
This portfolio is a four‑fund, all‑stock mix built from broad global index ETFs plus dedicated small cap value ETFs. Around two thirds sits in total US and international stock market funds, giving it a strong core that closely tracks global equity markets. The remaining third is tilted toward small cap value companies in both US and international markets. This structure blends a “market-like” base with a more focused, factor-driven sleeve. In practice, that means a lot of holdings under the hood, spreading risk across thousands of companies, while still leaning meaningfully into smaller, cheaper stocks that may behave differently from the overall market at times.
Growth
From late 2019 to early 2026, $1,000 grew to about $2,424, a compound annual growth rate (CAGR) of 14.4%. CAGR is like average speed on a road trip, smoothing out bumps along the way. Over this period the portfolio slightly lagged the US market but beat the global market, so performance has been respectable in a tough, tech‑dominated era. The max drawdown was about -38%, meaning the biggest peak‑to‑trough fall was sharp but recovered within months. That’s in line with a growth‑oriented, all‑equity profile. Only 21 days made up 90% of returns, showing that missing just a handful of strong days would have changed the outcome a lot.
Projection
The Monte Carlo projection looks at many possible futures by reshuffling historical returns to create 1,000 random paths. Think of it as simulating lots of alternate timelines using the same deck of cards the market has previously dealt. The median outcome turns $1,000 into about $2,830 over 15 years, with a wide range from roughly $1,825 to $4,195 in the middle half of scenarios. There’s about a three‑in‑four chance of finishing ahead of cash, but some paths barely break even. This highlights that long‑term growth potential comes with uncertainty, and these simulations are only rough guides based on past patterns, not firm predictions.
Asset classes
- Stocks 100%
All assets here are stocks, with 0% in bonds, cash, or alternatives. That makes the portfolio straightforward to understand: it fully participates in equity market ups and downs without the stabilizing effect that bonds or cash can provide. Compared with many broad benchmarks that mix in other asset classes, this is more growth‑tilted and more sensitive to market swings. The benefit is simple exposure to the long‑term return potential of businesses around the world. The trade‑off is that short‑term declines can be larger and more frequent, since there’s nothing in the mix whose main role is to dampen volatility.
Sectors
- Technology 19%
- Financials 18%
- Industrials 14%
- Consumer Discretionary 12%
- Energy 8%
- Health Care 7%
- Basic Materials 7%
- Telecommunications 6%
- Consumer Staples 5%
- Utilities 2%
- Real Estate 2%
Sector exposure is quite balanced, with technology, financials, industrials, and consumer discretionary making up the largest slices but none dominating excessively. Tech at 19% is meaningful but not extreme compared with some US‑heavy portfolios, and financials and industrials together form a substantial chunk. Energy, health care, and basic materials also have real weight, while defensives like utilities, staples, and real estate are smaller. This spread helps avoid being overly tied to a single part of the economy. It also means returns will be driven by a mix of growth‑oriented, cyclical, and more stable businesses, rather than a narrow theme.
Regions
- North America 63%
- Europe Developed 15%
- Japan 9%
- Asia Developed 4%
- Asia Emerging 4%
- Australasia 2%
- Africa/Middle East 2%
- Latin America 1%
Geographically, about 63% is in North America, with the rest spread across Europe, Japan, other developed Asia, emerging Asia, and smaller allocations to Australasia, Africa/Middle East, and Latin America. This is quite close to global market weights, so it aligns well with how the world’s stock market value is actually distributed. That alignment is helpful because it reduces the risk of being heavily dependent on one economy or currency. It also means the portfolio’s fortunes are tied to global economic growth rather than just one region’s story, which can smooth the impact of local booms and busts over time.
Market capitalization
- Mega-cap 27%
- Mid-cap 21%
- Large-cap 20%
- Small-cap 20%
- Micro-cap 11%
By market cap, the portfolio is more diversified than a typical market‑cap index. Mega and large caps still matter, but small and micro caps together make up over 30% of the exposure. Market capitalization just means the total value of a company’s shares, so this mix ranges from global giants to much smaller firms. Smaller companies often move more sharply in both directions, so this tilt can add volatility but also introduces different growth drivers compared with portfolios dominated by mega‑caps. It also reduces reliance on a handful of the world’s largest firms to drive overall returns.
True holdings
-
NV NVIDIA Corporation 2.56%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 2.37%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 1.75%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.28%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.06%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 0.93%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.86%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 0.84%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.80%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 0.66%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 13.12%
Looking through ETF top‑10 holdings, the biggest underlying exposures are familiar mega‑cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, TSMC, Meta, and Tesla. Each of these individually is a small slice of the total portfolio, with the largest under 3%. These companies appear mainly through the broad index funds, rather than being singled out directly, which is typical for market‑wide ETFs. Because only top‑10 positions are visible, overlap is likely understated, but the data suggests no single company dominates overall risk. Instead, these giants provide a growth engine layered on top of the small cap value tilts.
Factors
Factor exposure shows clear tilts toward value (67%) and smaller size (63%), both rated “High” on this scale, with other factors roughly neutral. Factors are like investing “ingredients” — characteristics such as cheapness (value) or company size (size) that research has linked to long‑term return patterns. A value tilt means more exposure to companies trading at lower valuations, which may lag during growth‑led booms but can help when cheaper stocks rebound. A size tilt means more smaller companies, which can be more volatile but offer different return drivers. The neutral scores elsewhere keep the overall factor profile fairly balanced.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 40.00% 39.1% -
Avantis® U.S. Small Cap Value ETF
Weight: 20.00% 25.7% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 25.00% 21.9% -
Avantis® International Small Cap Value ETF
Weight: 15.00% 13.3%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. Here, the broad US fund is 40% of the portfolio and contributes about 39% of the risk, so it behaves almost one‑for‑one. The US small cap value ETF is 20% of the weight but about 26% of the risk, meaning it punches above its size in terms of volatility. The international funds contribute slightly less risk than their weights. Overall, the top three funds drive roughly 87% of total risk, so they are the main engines of portfolio variability.
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 vs. return chart compares the current portfolio to the “efficient frontier” — the best possible trade‑offs between risk and return using only these four funds. Sharpe ratio measures risk‑adjusted return, like how much return you earn per unit of volatility. The current portfolio has a Sharpe of 0.58, below both the optimal mix (0.81) and even the minimum‑variance mix (0.66). It also sits about 1 percentage point below the frontier at its chosen risk level. That suggests that simply reweighting these same funds could historically have delivered a smoother or slightly higher return profile without adding new holdings.
Dividends
- Avantis® International Small Cap Value ETF 2.90%
- Avantis® U.S. Small Cap Value ETF 1.30%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.84%
The overall dividend yield is about 1.84%, coming from a mix of yields: higher from international and small cap value funds, lower from the broad US market. Dividend yield is the cash return paid out each year as a percentage of investment value, like interest on a savings account but not guaranteed. In this portfolio, dividends are a modest but meaningful part of total return, with most growth historically coming from price changes. The slightly higher yields in the value‑oriented funds add a small income tilt, which can help smooth total returns in times when price growth is slower.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- 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) 0.13%
Average ongoing costs across the four ETFs are very low at about 0.13% per year. That figure, often called the TER (Total Expense Ratio), is the annual fee charged by the funds, taken directly out of their assets. Costs matter because they compound over time — money not spent on fees stays invested. Here, the two Vanguard index funds are extremely cheap, and even the more specialized Avantis strategies are reasonably priced for their category. This cost structure is impressively lean and supports better long‑term outcomes compared with similar portfolios running at noticeably higher fee levels.
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