Focused global equity mix with a strong value tilt and meaningful small company exposure
Report created on Apr 27, 2026Risk profile
5/7
Diversification profile
4/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 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 100% stock mix built from four broad equity ETFs, with no bonds or cash included in the allocation. Roughly two thirds is in large and mega-cap stocks through US and international broad index funds, while the remaining third is in targeted small cap value ETFs. This structure means the foundation is market-like, but with deliberate tilts toward smaller and cheaper companies. Being fully in stocks makes the portfolio more sensitive to equity market ups and downs, but also aligns it with long-term growth potential. The combination of broad index exposure and focused tilts creates a balance between diversification and specific strategy bets.
Growth
Over the period from late 2019 to April 2026, $1,000 grew to about $2,457, which is a compound annual growth rate (CAGR) of 14.69%. CAGR is like the average speed of a road trip, smoothing out bumps along the way. This slightly lagged the US market benchmark but beat the global market benchmark, showing that the mix of US and international holdings has been competitive. The portfolio’s worst peak-to-trough drop (max drawdown) was about -37.8%, deeper than both benchmarks. That highlights the reality of a full-equity, growth-tilted approach: strong long-term gains paired with sharp short-term swings.
Projection
The Monte Carlo projection uses thousands of simulated paths to estimate how $1,000 might grow over 15 years based on historical returns and volatility. Think of it as running the past in many random combinations to see a range of plausible futures, not as a prediction. The median outcome of about $2,813 implies an annualized return around 8.1%, with a wide “likely” band from roughly $1,799 to $4,338. The fact that about 73% of simulations end positive shows historically growth has outweighed downturns, but the 5–95% range from roughly flat to very high outcomes underlines uncertainty. Past patterns can shift, so these numbers are more about possibilities than promises.
Asset classes
- Stocks 100%
All of this portfolio is invested in stocks, with 0% in bonds, cash, or alternative assets. Asset classes are broad groups like stocks, bonds, and real estate that tend to behave differently across market cycles. A 100% stock allocation usually means higher expected long-term growth but also larger and more frequent short-term drawdowns, since there is no built-in stabilizer like high-quality bonds. Compared with a more mixed asset allocation, this portfolio leans clearly toward growth and equity risk. The diversification score being high reflects variety within stocks rather than across different asset classes, which is an important distinction in understanding its risk profile.
Sectors
- Technology 20%
- Financials 18%
- Industrials 14%
- Consumer Discretionary 12%
- Energy 8%
- Basic Materials 7%
- Health Care 7%
- Telecommunications 6%
- Consumer Staples 5%
- Utilities 2%
- Real Estate 2%
Sector exposure is fairly balanced across the economy, with technology the largest slice at 20%, followed by financials at 18% and industrials at 14%. This looks broadly similar to global equity benchmarks, though the noticeable tech and financials share means results can be sensitive to interest rates and business cycles. For example, tech-heavy areas often react strongly to changes in borrowing costs, while financials respond to credit conditions and yield curves. The presence of meaningful allocations to consumer sectors, energy, materials, and health care helps spread risk across different economic drivers. Overall, the sector mix aligns well with diversified global standards, supporting a resilient structure.
Regions
- North America 63%
- Europe Developed 15%
- Japan 9%
- Asia Developed 4%
- Asia Emerging 4%
- Australasia 3%
- Africa/Middle East 2%
- Latin America 1%
Geographically, about 63% is in North America, with the rest spread across Europe, Japan, other developed Asia, and emerging markets. This means the portfolio leans toward the US and Canada but still has substantial non-US exposure, closer to global market weights than a typical US-only portfolio. Geography matters because economies, currencies, and policy decisions differ by region, which can smooth out country-specific shocks. For instance, weak performance in one region may be offset by strength elsewhere. This allocation is well-balanced and aligns closely with global standards, giving broad participation in worldwide equity growth rather than tying everything to a single market.
Market capitalization
- Mega-cap 30%
- Large-cap 22%
- Mid-cap 20%
- Small-cap 18%
- Micro-cap 10%
The mix by company size is notably diversified: 30% mega-cap, 22% large-cap, 20% mid-cap, 18% small-cap, and 10% micro-cap. Market capitalization (or “market cap”) is simply the total value of a company’s shares on the market. Standard indices often tilt heavily to mega and large caps, so the significant small and micro-cap share here is distinctive. Smaller companies tend to be more volatile and sensitive to economic conditions, but historically they’ve sometimes offered higher growth. This structure means the portfolio captures the stability and global footprint of big firms while also leaning into more nimble, potentially higher-return small businesses, adding both diversification and extra risk.
True holdings
-
NV NVIDIA Corporation 3.03%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc 2.66%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 1.97%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 1.46%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.20%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.05%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 0.96%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 0.90%
Part of fund(s):- Vanguard S&P 500 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.86%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
TS Tesla Inc 0.75%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Top 10 total 14.83%
Looking through the ETFs’ top holdings, a handful of large technology and growth names appear prominently: NVIDIA, Apple, Microsoft, Amazon, Alphabet (both share classes), Broadcom, Meta, TSMC, and Tesla. These positions together only cover about 20% of the portfolio because we see just ETF top-10s, but they highlight a meaningful underlying tilt to big, innovative companies. Some of these names appear across multiple ETFs, which can quietly increase concentration even when each fund looks diversified on its own. Overlap may in fact be higher than shown, since we don’t see everything beyond the top holdings, but even this partial view shows a clear cluster in major global leaders.
Factors
The standout factor tilt is toward value, with a high exposure score of 67% relative to a 50% neutral baseline. Factor exposure describes how much the portfolio leans into characteristics like cheapness (value), size, or trend (momentum) that research links to returns. A value tilt means the portfolio holds more companies trading at lower prices relative to earnings, cash flows, or assets, often found in the small cap value ETFs. Historically, value stocks have had periods of outperformance and underperformance versus the broad market, so this can create stretches where returns diverge from standard indices. Other factors sit near neutral, suggesting the main distinct “ingredient” here is that value emphasis.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 40.00% 38.6% -
Avantis® U.S. Small Cap Value ETF
Weight: 20.00% 25.8% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 25.00% 22.2% -
Avantis® International Small Cap Value ETF
Weight: 15.00% 13.5%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the S&P 500 ETF is 40% of the portfolio and contributes about 38.6% of total risk, almost a one-to-one relationship. The U.S. small cap value ETF is more notable: at 20% weight, it contributes roughly 25.8% of the risk, meaning it punches above its size due to higher volatility. The international funds each contribute slightly less risk than their weights. Overall, the top three holdings account for about 86.5% of portfolio risk, underlining that a few core positions are the main drivers of performance even within a diversified mix.
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 chart compares the current portfolio to the best possible mixes of these same four ETFs. The Sharpe ratio, a measure of risk-adjusted return that compares extra return to volatility, is 0.6 for the current allocation. The optimal mix on the frontier has a higher Sharpe of 0.83 with slightly higher return and lower risk, and the minimum-variance mix also improves Sharpe to 0.7. The current portfolio sits about 1.1 percentage points below the frontier at its risk level. That means, historically, simply reweighting the existing funds—without adding new ones—could have delivered a more efficient balance between risk and return.
Dividends
- Avantis® International Small Cap Value ETF 2.90%
- Avantis® U.S. Small Cap Value ETF 1.30%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.84%
The overall dividend yield of the portfolio is about 1.84%, combining modest yields from the S&P 500 and U.S. small cap value funds with higher payouts from international stocks, especially international small cap value. Dividend yield is the annual cash payment as a percentage of price, like interest on a savings account, but not guaranteed. In this portfolio, income is a secondary feature rather than the main driver; most of the expected return comes from price appreciation. Over time, though, reinvested dividends can still meaningfully add to total growth, particularly in regions and styles where payouts are structurally higher, such as international value segments.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.13%
The portfolio’s total expense ratio (TER) is about 0.13%, which is impressively low for a mix that includes both broad index funds and more specialized small cap value strategies. TER is the annual fee charged by the funds as a percentage of assets, quietly reducing returns in the background each year. Low costs matter because they compound: even small differences can add up significantly over decades. Here, the very cheap Vanguard ETFs help offset the higher fees of the Avantis funds, leading to an overall cost that is competitive with many purely passive portfolios. This cost profile provides a strong structural tailwind for long-term performance.
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