Global equity portfolio with moderate diversification and a slight momentum overlay on core index holdings
Report created on Jul 4, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VT Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 55.00% -
AV Avantis All Equity Markets ETF
AVGE - US0250722321 20.00% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 15.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 5.00% -
VF Vanguard U.S. Momentum Factor
VFMO - US9219355081 5.00%
This portfolio is a pure equity mix built from five ETFs, with one global index fund at the core. Over half sits in a total world stock ETF, about a fifth in a broad all‑equity fund, and most of the rest in a standard US large‑cap index. Two smaller positions focus on momentum strategies, acting as a 10% “tilt” on top of the broad market core. This structure creates a clear hierarchy: one main building block, two big supporting funds, and two more specialized satellites. That kind of core‑satellite setup is common when the goal is to track global markets while adding a modest twist rather than heavily customizing every slice.
Growth
Over the period from late 2022 to mid‑2026, a hypothetical $1,000 in this portfolio grew to $2,202. That implies a Compound Annual Growth Rate (CAGR) of 23.57%, which is slightly ahead of both the US market and a global market benchmark over the same window. The maximum drawdown, or worst peak‑to‑trough fall, was -17.53%, milder than the US market but a bit deeper than the global benchmark. Returns were concentrated, with 90% of gains coming from only 29 trading days, showing how missing a few strong days would materially change the result. As always, these numbers describe what happened; they don’t guarantee similar growth or downside in future markets.
Projection
The Monte Carlo projection uses past volatility and returns to simulate many possible 15‑year paths for a $1,000 investment. It doesn’t try to predict specific events; instead, it randomly reshuffles patterns similar to history to map a range of outcomes. The median result ends around $2,744, with a wide “middle band” from about $1,793 to $4,202, and a broader 5th–95th percentile range from roughly $926 to $7,709. The average simulated annual return is 8.09%. These ranges highlight uncertainty: even with the same starting point and strategy, long‑term outcomes can vary a lot. The simulation is a planning tool, not a promise, because future markets can behave differently from the historical data behind it.
Asset classes
- Stocks 100%
All of this portfolio is invested in stocks, with 0% in bonds, cash, or alternatives. That makes it straightforward to understand: it is fully tied to the ups and downs of global equities, without built‑in ballast from fixed income. A 100% stock allocation usually means higher long‑term growth potential, but also larger swings in value, especially during market stress. Compared with broad global benchmarks that mix in bonds, this portfolio is more growth‑oriented and more volatile by design. The structure is simple and transparent, and the overall diversification has to come from what kind of stocks are owned rather than from mixing different asset classes.
Sectors
- Technology 28%
- Financials 15%
- Industrials 12%
- Consumer Discretionary 10%
- Health Care 8%
- Telecommunications 8%
- Energy 5%
- Consumer Staples 5%
- Basic Materials 4%
- Real Estate 2%
- Utilities 2%
Sector‑wise, the portfolio leans most heavily on technology at 28%, followed by financials, industrials, consumer discretionary, and health care. Smaller allocations sit in areas like telecoms, energy, consumer staples, materials, real estate, and utilities. This pattern is broadly similar to many global equity indices today, which are also tech‑tilted because large technology companies have grown so much. A tech‑heavy allocation often delivers strong growth when innovation and earnings momentum are rewarded, but it can make the portfolio more sensitive to changes in interest rates, regulation, or sentiment around high‑growth companies. The balance across the remaining sectors helps soften, but not eliminate, that tech influence.
Regions
- North America 75%
- Europe Developed 10%
- Asia Developed 5%
- Japan 4%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about three‑quarters of the portfolio sits in North America, with the rest spread across developed Europe, developed Asia (including Japan), and smaller slices of emerging markets and other regions. This is a clear US tilt compared with a pure world equity benchmark, where the US is large but not quite this dominant. A strong North American focus means company results, currency movements, and policy decisions in that region have an outsized effect on overall returns. The non‑US exposure still adds diversification, since different economies and currencies can move differently over time, but the main driver of performance here is the US‑centered part of the global market.
Market capitalization
- Mega-cap 38%
- Large-cap 32%
- Mid-cap 20%
- Small-cap 7%
- Micro-cap 3%
By market capitalization, the portfolio is anchored in mega‑cap and large‑cap stocks, which together make up about 70% of the exposure. Mid‑caps add another fifth, with smaller slices in small‑cap and micro‑cap names. This looks broadly in line with many capitalization‑weighted global indices, where the largest companies naturally dominate because they carry more market value. Larger companies tend to be more established, with deeper resources and more analyst coverage, which can mean somewhat more stability in normal markets. The presence of mid, small, and micro‑cap holdings still introduces some higher‑volatility, higher‑idiosyncrasy exposures that can behave differently, adding another layer of diversification within the equity bucket.
True holdings
-
NV NVIDIA Corporation 4.33%
Part of fund(s):- Avantis All Equity Markets ETF
- Avantis America Equity UCITS ETF USD ACC
- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
AA Apple Inc. 3.65%
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
- Vanguard S&P 500 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
MS Microsoft Corporation 2.63%
Part of fund(s):- Avantis All Equity Markets ETF
- Avantis America Equity UCITS ETF USD ACC
- Vanguard S&P 500 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
AM Amazon.com Inc 2.19%
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
- Vanguard S&P 500 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.02%
Part of fund(s):- Avantis All Equity Markets ETF
- Avantis America Equity UCITS ETF USD ACC
- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
- Vanguard Total World Stock Index Fund ETF Shares
- Vanguard U.S. Momentum Factor
-
AV Broadcom Inc 1.91%
Part of fund(s):- Avantis All Equity Markets ETF
- Avantis America Equity UCITS ETF USD ACC
- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.56%
Part of fund(s):- Avantis All Equity Markets ETF
- Avantis America Equity UCITS ETF USD ACC
- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.19%
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
- Vanguard S&P 500 ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
MU Micron Technology Inc 1.10%
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
- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.89%
Part of fund(s):- Avantis All Equity Markets ETF
- Avantis® Emerging Markets Equity ETF
- Vanguard Total World Stock Index Fund ETF Shares
- Top 10 total 21.47%
Looking through ETF top‑10 holdings, there is noticeable concentration in a handful of global giants, particularly large technology and communication services names. NVIDIA, Apple, Microsoft, Amazon, Alphabet (both share classes), Broadcom, Meta, Micron, and Taiwan Semiconductor collectively represent a meaningful slice of the portfolio. These companies show up across multiple ETFs, so the true exposure to each is higher than it might appear from any single fund. This is a common “hidden concentration” effect when using broad index funds that all hold the same winners at the top. The coverage only includes top‑10 positions, so actual overlap is likely somewhat understated, but it already shows that a relatively small group of mega‑caps drive a big share of outcomes.
Factors
Factor exposures for this portfolio cluster very close to neutral across value, size, momentum, quality, yield, and low volatility. A factor, in this context, is a characteristic like “cheap vs expensive” (value) or “recent winners vs laggards” (momentum) that research links to long‑term return patterns. Readings in the 40–60% range signal that the portfolio behaves a lot like the broad market on these dimensions. That’s interesting because there are explicit momentum funds in the mix, but they are small enough that they don’t create a big overall tilt. In practice, this means the portfolio’s performance should track broad global equities rather than strongly following any single factor theme.
Risk contribution
-
Vanguard Total World Stock Index Fund ETF Shares
Weight: 55.00% 53.9% -
Avantis All Equity Markets ETF
Weight: 20.00% 19.4% -
Vanguard S&P 500 ETF
Weight: 15.00% 14.9% -
Vanguard U.S. Momentum Factor
Weight: 5.00% 6.3% -
Invesco S&P 500® Momentum ETF
Weight: 5.00% 5.5%
Risk contribution shows how much each ETF adds to the portfolio’s overall volatility, which can differ from its simple weight. Here, the three largest holdings contribute about 88% of total risk, very close to their combined allocation. The core world stock fund, at 55% weight, contributes roughly 54% of risk, almost one‑for‑one. The Avantis all‑equity and S&P 500 ETFs also line up closely with their sizes. The US momentum ETF stands out slightly: at 5% of assets, it contributes over 6% of risk, reflecting its more volatile profile. Overall, risk is well aligned with position sizes, with only a mild amplification from the momentum satellites.
Redundant positions
-
High correlationVanguard Total World Stock Index Fund ETF SharesAvantis All Equity Markets ETFVanguard S&P 500 ETF
The correlation data shows that some pairs of funds move almost identically, notably the Avantis all‑equity ETF and the total world ETF, as well as the S&P 500 ETF and the total world ETF. Correlation measures how often assets move in the same direction: a value near 1 means they tend to rise and fall together. Highly correlated holdings still add diversification at the individual stock level, but they don’t dramatically smooth portfolio ups and downs when markets move as one. In this case, the overlapping behavior reflects that all three are broad equity funds with large US exposure. True diversification in volatility terms mainly comes from differences between equities and other asset classes, which are not present here.
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 plots risk on one axis and expected return on the other, showing the best risk/return mixes available using only the current ETFs. The current portfolio has a Sharpe ratio of 1.19, meaning its excess return over cash per unit of risk is decent but not maximal. The optimal mix of these same holdings reaches a Sharpe of 1.67 at higher return and higher risk, while the minimum variance version offers slightly lower risk with a better Sharpe than the current setup. The current allocation sits about 1.17 percentage points below the efficient frontier at its risk level, suggesting that, historically, a different weighting of the same funds could have produced more efficient risk‑adjusted results.
Dividends
- Avantis All Equity Markets ETF 1.40%
- Invesco S&P 500® Momentum ETF 0.70%
- Vanguard U.S. Momentum Factor 0.60%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total World Stock Index Fund ETF Shares 1.60%
- Weighted yield (per year) 1.39%
The portfolio’s overall dividend yield is about 1.39%, driven mainly by the global index fund’s 1.60% yield and the Avantis ETF’s 1.40%. The momentum‑focused ETFs and the S&P 500 slice yield a bit less, which is typical because momentum strategies often emphasize recent price winners rather than high income payers. A yield in this range is broadly consistent with many global equity indices today, where a larger share of total return has come from price appreciation instead of dividends. In practical terms, this setup means most of the portfolio’s long‑term growth is expected to come from capital gains, with dividends providing a modest but steady extra component of return.
Ongoing product costs
- Avantis All Equity Markets ETF 0.23%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard U.S. Momentum Factor 0.13%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- Weighted costs total (per year) 0.10%
The weighted average ongoing fee (TER) for this portfolio is around 0.10% per year, which is impressively low for a globally diversified, multi‑fund equity mix. Costs matter because they are one of the few variables investors can actually observe and that reliably subtract from returns every year. A total cost at this level is well below many actively managed approaches, and even competitive among index portfolios, especially given the inclusion of a factor‑tilted fund and an Avantis all‑equity product. Over long horizons, shaving even a few tenths of a percent off annual fees can add up to a meaningful difference in ending wealth, so this low‑cost structure is a real strength.
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