Balanced blend of global small value and growth leaders with strong results and room for refinement
Report created on Apr 15, 2026Risk profile
- Secure Speculative
The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.
Diversification profile
- Focused Diversified
The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.
Positions
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AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 50.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 50.00%
The portfolio is very simple and clean: two equity ETFs at 50% each. One side leans into international small-cap value companies, while the other half tracks large US growth leaders in a concentrated index. This clear 50/50 split between “cheap small internationals” and “expensive big US innovators” creates a deliberate barbell structure. That structure matters because it can smooth out some cycles: what hurts one side may help the other. The main takeaway is that this is a focused, equity-only mix with no bonds or cash buffers, so day‑to‑day swings will reflect full stock market risk despite the “balanced” risk label.
Growth
Over the last several years, $1,000 grew to about $2,365, which is a compound annual growth rate (CAGR) of 17.05%. CAGR is like your average speed on a long road trip, factoring in all hills and traffic. This comfortably beat both the US market and a global market benchmark, which is a strong outcome. The trade-off was a max drawdown of about -30%, meaning the portfolio once fell that much from peak to trough. It also needed 14 months to fully recover. The pattern says: strong upside historically, but you have to be willing to sit through deep and lengthy drawdowns.
Projection
The Monte Carlo projection uses past returns and volatility to simulate 1,000 different 15‑year futures, like rolling the dice many times to see a range of potential outcomes. The median result turns $1,000 into around $2,853, or roughly 8% per year, with a wide “likely” range from about $1,770 to $4,281. There’s a 73% chance of ending with more than you started. This is a useful planning tool, but it’s still based on history and assumptions, not prophecy. The big idea: outcomes could be very good, but you need to be comfortable with a wide spread of possibilities, including periods of flat or negative performance.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash, or alternatives. That’s simple and transparent, and it maximizes long‑term growth potential since equities historically have higher returns than safer assets. The flip side is that there’s no built‑in shock absorber when markets fall; everything tends to move with equity cycles. For someone who can ride out big swings over many years, this can be perfectly fine. The key takeaway is that risk management here has to come from position sizing, time horizon, and behavior — not from mixing in lower‑volatility asset classes.
Sectors
- Technology 28%
- Consumer Discretionary 14%
- Industrials 13%
- Basic Materials 11%
- Telecommunications 9%
- Financials 7%
- Consumer Staples 6%
- Energy 5%
- Health Care 3%
- Utilities 2%
- Real Estate 1%
Sector exposure is tilted toward technology at 28%, followed by consumer discretionary and industrials, with smaller slices in materials, telecom, financials, and others. This is still reasonably spread out across the economy and aligns pretty well with modern global benchmarks that are also tech-heavy. The upside is participation in growth and innovation trends that have driven market returns recently. The trade-off is that tech and consumer names can be sensitive to interest rates and economic cycles, so this mix can feel punchy in both directions. Overall, the sector picture is solidly diversified and not extreme, which is a positive foundation.
Regions
- North America 55%
- Europe Developed 19%
- Japan 16%
- Australasia 5%
- Africa/Middle East 3%
- Asia Developed 1%
Geographically, about 55% of exposure is in North America, with the rest spread across developed Europe, Japan, Australasia, and some smaller regions. That’s much closer to a global market mix than a pure US-focused portfolio, especially thanks to the international small-cap value sleeve. This broader footprint reduces the risk of being tied entirely to one economy or one policy regime. It also introduces currency fluctuations, which can help or hurt returns in the short term but tend to wash out over long horizons. This allocation is well-balanced and aligns closely with global standards, supporting healthy geographic diversification.
Market capitalization
- Mid-cap 33%
- Mega-cap 26%
- Small-cap 19%
- Large-cap 19%
- Micro-cap 2%
By market cap, the portfolio blends mega-cap giants with a solid chunk of mid and small caps, plus a tiny micro-cap slice. This size mix is important because large companies often bring stability and liquidity, while smaller companies can offer higher growth potential but bumpier rides. Here, roughly two-thirds of the portfolio is outside pure mega-caps, which adds diversification away from the very largest names. The presence of small and mid caps also means more sensitivity to economic cycles and sentiment. Overall, the size distribution looks thoughtfully spread, giving exposure to different growth and risk profiles.
True holdings
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NV NVIDIA Corporation 4.43%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AA Apple Inc 3.69%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
MS Microsoft Corporation 2.66%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AM Amazon.com Inc 2.47%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
ME Meta Platforms Inc. 1.79%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
GO Alphabet Inc Class A 1.78%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AV Broadcom Inc 1.70%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
TS Tesla Inc 1.68%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
-
GO Alphabet Inc Class C 1.66%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
WM Walmart Inc. Common Stock 1.65%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 23.53%
Looking through to underlying holdings, the biggest names are the usual mega-cap US growth giants like NVIDIA, Apple, Microsoft, and Amazon, all coming from the NASDAQ 100 ETF. Because only top-10 ETF positions are captured, overlap is probably understated, but there is clear clustering in a handful of large tech-driven names. This creates a hidden concentration: even with just two funds, a sizable slice of risk rides on those same mega-caps. The positive angle is these companies have been strong performers; the caution is that if they stumble together, the impact on the growth half — and thus the whole portfolio — could be noticeable.
Factors
Factor exposures — value, size, momentum, quality, yield, and low volatility — all sit near “neutral,” meaning the portfolio behaves broadly like the overall market on these dimensions. Factors are like underlying traits that explain why stocks move the way they do, such as being cheap (value) or stable (low volatility). Some portfolios lean heavily into one trait; this one doesn’t show any big tilt either way. That’s actually a strength if you don’t want to make strong factor bets. It suggests performance is driven more by broad market moves and the chosen regions/segments than by specialized factor strategies.
Risk contribution
-
Invesco NASDAQ 100 ETF
Weight: 50.00% 57.5% -
Avantis® International Small Cap Value ETF
Weight: 50.00% 42.5%
Even though both ETFs are 50% by weight, the NASDAQ 100 ETF contributes about 58% of total portfolio risk, while the international small-cap value fund contributes around 42%. Risk contribution measures each holding’s share of the overall ups and downs, which can differ from its weight if it’s more volatile. Here, the growth-heavy NASDAQ slice is the louder instrument in the orchestra. That’s not inherently bad, but it means the big US growth names disproportionately drive the ride. If someone wanted a more even risk balance, a slight shift in weights could bring the contributions closer to 50/50.
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.
On the risk–return chart, the current mix sits below the efficient frontier. The efficient frontier shows the best return you could have gotten for each risk level using just these two funds with different weights. The current portfolio’s Sharpe ratio, a measure of return per unit of volatility, is 0.76, while alternate weightings reach over 1.0. That means, historically, a different blend of the same two ETFs would have delivered better risk-adjusted results. The encouraging part: you don’t need new products to improve efficiency; simply reweighting what’s already here could move you much closer to that frontier.
Dividends
- Avantis® International Small Cap Value ETF 2.80%
- Invesco NASDAQ 100 ETF 0.50%
- Weighted yield (per year) 1.65%
The combined dividend yield lands around 1.65%, with the international small-cap value ETF providing the bulk at 2.8%, and the NASDAQ 100 ETF adding only a small 0.5%. Dividend yield is the cash income you get relative to your investment, like rent on a property. This is a modest income profile, more tilted toward growth than cash generation. For long‑term compounding, reinvesting these dividends can still add meaningful value over time. For someone looking for living income, though, this setup would probably feel light and might require either drawing from capital or pairing with higher‑yielding holdings elsewhere.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Invesco NASDAQ 100 ETF 0.15%
- Weighted costs total (per year) 0.26%
The total expense ratio (TER) across both ETFs averages about 0.26% per year, which is quite reasonable for specialized and international exposures. TER is the ongoing annual fee charged by funds, quietly deducted from returns, like a small toll on a highway. Over long periods, keeping this toll low really helps compounding. While there are cheaper plain-vanilla index funds out there, the costs here are still competitive for the strategies involved. The portfolio’s costs are impressively low and support better long-term performance, especially given the strong diversification and distinct exposures you’re getting for that fee level.
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