A globally diversified equity portfolio with strong value tilts modest crypto and a growth oriented bias
Report created on Aug 25, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 16.00% -
AV Avantis All Equity Markets ETF
AVGE - US0250722321 15.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 15.00% -
RS Invesco S&P 500® Equal Weight ETF
RSP - US46137V3574 10.00% -
SO iShares Semiconductor ETF
SOXX - US4642875235 10.00% -
IQ iShares MSCI Intl Quality Factor ETF
IQLT - US46434V4564 8.00% -
IV iShares Edge MSCI Intl Value Factor ETF
IVLU - US46435G4091 8.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 8.00% -
AV Avantis® Emerging Markets Equity ETF
AVEM - US0250726041 6.00% -
IB iShares Bitcoin Trust
IBIT - US46438F1012 4.00%
This portfolio is almost entirely growth-oriented, with 96% in stocks and 4% in bitcoin exposure via a crypto trust. Within stocks, there’s a mix of broad-market equity funds, factor funds, and more focused “satellite” positions like semiconductors and US small-cap value. The largest single holding is a US small-cap value ETF at 16%, followed by a global all-equity ETF and a US large-cap growth ETF, each at 15%. This kind of structure—core diversified funds plus a few targeted tilts—matters because it balances broad exposure with more specific bets. The overall setup leans clearly into equities, which typically means higher long-term growth potential but also more pronounced ups and downs along the way.
Growth
Over the period from January 2024 to August 2026, a hypothetical $1,000 in this portfolio grew to $1,732. That translates into a compound annual growth rate (CAGR) of 23.61%, slightly ahead of both the US market (21.69%) and the global market (21.38%). CAGR is like your average speed on a road trip: it smooths out bumps to show steady progress. The portfolio’s max drawdown of -19.13% was close to the US market’s -18.76%, with a four‑month fall and two‑month recovery. This shows both strong upside capture and typical equity-style downside. As always, past performance just describes what happened; it doesn’t guarantee similar results in the future.
Projection
The Monte Carlo simulation looks forward 15 years using many random “what if” paths based on historical ups and downs. It runs 1,000 scenarios and shows where a $1,000 investment might land. The median, or most typical outcome, is about $2,811, with a wide “likely” range from roughly $1,801 to $4,319. Monte Carlo is like running the same race under different weather conditions to see the spread of finishing times. The model also shows an 8.12% average annualized return across simulations and a 73.9% chance of ending with more than you started. These numbers are scenario-based estimates, not promises, and they rely on the past being at least somewhat representative.
Asset classes
- Stocks 96%
- Crypto 4%
Asset-class-wise, this portfolio is very focused: 96% stocks, 4% crypto, and effectively no bonds or cash. Many broad benchmarks and “balanced” setups include meaningful bond exposure, which tends to dampen volatility and soften drawdowns. Here, the choice is clearly tilted toward growth assets that move with equity markets, plus a small satellite in bitcoin. The implication is that portfolio swings are mainly driven by stock market behavior, with bitcoin adding an extra layer of potential volatility. This structure can be powerful during strong equity markets but will usually feel more intense during market stress compared with mixes that include stabilizers like bonds.
Sectors
- Technology 27%
- Financials 16%
- Industrials 10%
- Consumer Discretionary 10%
- Health Care 8%
- Energy 7%
- Telecommunications 5%
- Consumer Staples 5%
- Crypto 4%
- Basic Materials 4%
- Utilities 2%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is broad but with some clear emphasis. Technology is the largest slice at 27%, followed by financials at 16%, and then industrials and consumer discretionary at 10% each. Health care, energy, telecom, consumer staples, materials, utilities, and real estate are all present in smaller portions, and crypto is listed separately at 4%. Relative to many broad global benchmarks, the tech and semiconductor tilts help explain both the strong recent performance and higher sensitivity to growth cycles and interest rates. Sector diversification helps spread risk across different parts of the economy, but a tech- and chip-heavy mix can amplify both the gains and the drawdowns when that area of the market swings.
Regions
- North America 69%
- Europe Developed 12%
- Asia Developed 5%
- Japan 4%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, this portfolio is dominated by North America at 69%, with the rest spread across developed Europe (12%), developed Asia (5%), Japan (4%), and various emerging or smaller regions making up low single digits each. Compared with a typical global equity benchmark, this is a clear US/North America tilt, as global indices usually have a larger share in non-US markets. This can be beneficial when North American companies outperform but does mean a lot of the economic and currency exposure is tied to one region. At the same time, the presence of emerging markets and other regions adds useful variety beyond a pure domestic focus.
Market capitalization
- Mega-cap 28%
- Large-cap 27%
- Mid-cap 19%
- Small-cap 12%
- Micro-cap 9%
This breakdown covers the equity portion of your portfolio only.
By market capitalization, this portfolio is nicely spread: 28% mega-cap, 27% large-cap, 19% mid-cap, 12% small-cap, and 9% micro-cap. Many broad indices lean heavily into mega- and large-cap names, with much smaller slices in mid and small caps. Here, the meaningful allocations to smaller companies introduce more diversification across company sizes and give exposure to a different part of the growth and risk spectrum. Smaller companies can be more volatile and cyclical, but they can also be powerful long-term return drivers. This mix balances the relative stability of mega and large caps with the higher-risk, higher-reward potential of mid, small, and micro caps.
True holdings
-
BT Grayscale Bitcoin Mini Trust (BTC) 4.00%
Part of fund(s):- iShares Bitcoin Trust
-
NV NVIDIA Corporation 2.83%
Part of fund(s):- Avantis All Equity Markets ETF
- Avantis America Equity UCITS ETF USD ACC
- Schwab U.S. Large-Cap Growth ETF
- iShares Semiconductor ETF
-
AA Apple Inc. 1.77%
Part of fund(s):- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Avantis All Equity Markets ETF
- Avantis America Equity UCITS ETF USD ACC
- Schwab U.S. Large-Cap Growth ETF
-
MS Microsoft Corporation 1.39%
Part of fund(s):- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Avantis All Equity Markets ETF
- Avantis America Equity UCITS ETF USD ACC
- Schwab U.S. Large-Cap Growth ETF
-
AV Broadcom Inc 1.36%
Part of fund(s):- Avantis All Equity Markets ETF
- Avantis America Equity UCITS ETF USD ACC
- Schwab U.S. Large-Cap Growth ETF
- iShares Semiconductor ETF
-
AM Advanced Micro Devices Inc 1.17%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- iShares Semiconductor ETF
-
MU Micron Technology Inc 1.09%
Part of fund(s):- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Avantis All Equity Markets ETF
- Avantis America Equity UCITS ETF USD ACC
- iShares Semiconductor ETF
-
AM Amazon.com Inc 1.06%
Part of fund(s):- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Avantis All Equity Markets ETF
- Avantis America Equity UCITS ETF USD ACC
- Schwab U.S. Large-Cap Growth ETF
-
TS Taiwan Semiconductor Manufacturing 0.90%
Part of fund(s):- Avantis All Equity Markets ETF
- Avantis® Emerging Markets Equity ETF
- iShares Semiconductor ETF
-
GO Alphabet Inc Class A 0.76%
Part of fund(s):- Avantis All Equity Markets ETF
- Avantis America Equity UCITS ETF USD ACC
- Schwab U.S. Large-Cap Growth ETF
- Top 10 total 16.33%
This breakdown covers the equity portion of your portfolio only.
The look-through holdings show that about 42% of the portfolio’s ETF exposure is visible via top‑10 positions, so there’s still a lot happening under the surface we can’t see. Within what is visible, there’s notable concentration in a handful of big tech and semiconductor names: NVIDIA at 2.83%, Apple at 1.77%, Microsoft at 1.39%, plus Broadcom, AMD, Micron, Amazon, TSMC, and Alphabet. These companies appear across multiple funds, which creates hidden overlap—several funds may be “different,” but they share the same giants. The explicit 4% bitcoin exposure via a trust also shows up here. Because only ETF top‑10s are used, actual overlap is likely somewhat higher than these numbers suggest.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
On investment factors, the standout tilt is toward value, with a 62% score classified as “High” relative to the market-like 50% baseline. Factor exposure is essentially how much the portfolio leans into characteristics that research has linked to return patterns over time. A value tilt means more weight in companies trading at lower prices relative to fundamentals, which historically has sometimes rewarded patience but can lag during growth-led rallies. Other factors—size, momentum, quality, yield, and low volatility—are all in the neutral range, so they behave more like the broad market. Overall, the portfolio is factor-aware without being extreme, with value as the main differentiator.
Risk contribution
-
iShares Semiconductor ETF
Weight: 10.00% 20.3% -
Avantis® U.S. Small Cap Value ETF
Weight: 16.00% 16.5% -
Schwab U.S. Large-Cap Growth ETF
Weight: 15.00% 15.3% -
Avantis All Equity Markets ETF
Weight: 15.00% 12.8% -
Invesco S&P 500® Equal Weight ETF
Weight: 10.00% 7.4% - Top 5 risk contribution 72.2%
Risk contribution looks at how much each holding drives the portfolio’s overall ups and downs, which can differ from just looking at weights. Here, the semiconductor ETF is only 10% of assets but contributes about 20.3% of total risk, meaning its volatility and correlations make it a major driver of movement. The US small-cap value ETF (16% weight, 16.5% risk) and US large-cap growth ETF (15% weight, 15.3% risk) roughly pull their “fair share” of risk. In total, the top three holdings contribute just over half of portfolio risk. This shows that while the portfolio is diversified by number of funds, a few key positions dominate how it actually behaves day to day.
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 shows the current portfolio compared to an “efficient frontier” built only from its existing holdings. The Sharpe ratio—return per unit of risk after adjusting for a 4% risk-free rate—is 1.13 for the current mix, versus 1.59 for the optimal (max Sharpe) blend of the same funds. The minimum variance version has lower risk but still a higher Sharpe than the current portfolio. Being 4.49 percentage points below the frontier at this risk level means the same components, just weighted differently, could historically have delivered a better risk/return trade-off. That doesn’t say anything about future outcomes, but it does show the current setup is not the most statistically “efficient” mix possible.
Dividends
- Avantis® Emerging Markets Equity ETF 1.90%
- Avantis All Equity Markets ETF 1.40%
- Avantis® U.S. Small Cap Value ETF 1.20%
- iShares MSCI Intl Quality Factor ETF 2.30%
- iShares Edge MSCI Intl Value Factor ETF 3.20%
- Invesco S&P 500® Equal Weight ETF 1.40%
- Schwab U.S. Dividend Equity ETF 3.00%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- iShares Semiconductor ETF 0.30%
- Weighted yield (per year) 1.43%
The portfolio’s overall dividend yield is about 1.43%, which is modest but not zero, given the growth and tech exposure. Income levels vary by holding: the international value and dividend equity funds stand out with yields around 3% or a bit more, while growth and semiconductor funds have very low yields, reflecting their focus on reinvestment rather than payouts. Dividend yield is simply the cash income as a percentage of investment value each year. In this portfolio, dividends are more of a supporting role than a primary driver of return. Capital growth from price changes in equities and bitcoin is doing most of the heavy lifting.
Ongoing product costs
- Avantis® Emerging Markets Equity ETF 0.33%
- Avantis All Equity Markets ETF 0.23%
- Avantis® U.S. Small Cap Value ETF 0.25%
- iShares Bitcoin Trust 0.12%
- iShares MSCI Intl Quality Factor ETF 0.30%
- iShares Edge MSCI Intl Value Factor ETF 0.30%
- Invesco S&P 500® Equal Weight ETF 0.20%
- Schwab U.S. Dividend Equity ETF 0.06%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- iShares Semiconductor ETF 0.35%
- Weighted costs total (per year) 0.21%
The weighted average total expense ratio (TER) of this portfolio is about 0.21% per year, which is impressively low for a structure that includes factor funds, emerging markets, and a crypto trust. Costs range from 0.04% for the large-cap growth ETF up to 0.35% for semiconductors, with most funds clustering in the 0.20–0.33% range. TER is like the annual “membership fee” for using each fund, taken directly out of returns. Keeping this average low is a big plus, because even small fee differences compound meaningfully over time. Here, the cost structure supports long-term performance rather than dragging on it.
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