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Diversified value tilted portfolio combining global stocks real estate gold and interest rate hedges

Report created on Aug 17, 2026

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification
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Positions

This portfolio mixes several moving parts: roughly three-quarters in stocks and REITs, a small slice in long‑duration bonds and an interest‑rate hedge ETF, plus a meaningful allocation to gold. The stock side blends broad US exposure, international developed and emerging markets, and explicit tilts toward small‑cap and value styles. Real estate is held through a dedicated US REIT ETF, giving direct exposure to property‑linked companies. Gold and interest‑rate tools stand out as diversifiers that behave differently from stocks. Structurally, this is not a simple “one‑fund” setup; it’s a deliberate combination of building blocks. That complexity allows for fine‑tuning risk drivers, but it also means the portfolio’s behavior will be shaped by several distinct levers rather than a single index.

Growth Info

Over the observed period, $1,000 grew to about $1,798, which translates to a Compound Annual Growth Rate (CAGR) of 11.84%. CAGR is like average speed on a road trip: it smooths the bumps to show how fast wealth grew each year on average. The portfolio trailed the US market but roughly matched the global market’s CAGR, while experiencing a smaller maximum drawdown than both benchmarks. Max drawdown, the worst peak‑to‑trough fall, was about ‑19%, compared with deeper drops for the benchmarks. That pattern suggests a trade‑off: accepting slightly lower upside than the US market in return for somewhat shallower downturns, which is consistent with the added diversifiers and defensive tilts in the mix.

Projection Info

The Monte Carlo projection uses many random “what if” paths based on historical returns and volatility to estimate future ranges. Think of it as running the portfolio through 1,000 alternate futures, then seeing where $1,000 often ends up after 15 years. The median result around $2,669 implies a 7.40% annualized return across all simulations, with a fairly wide but reasonable spread between pessimistic and optimistic paths. The 75% chance of finishing ahead of cash shows a positive long‑term tilt, but the wide possible range ($1,013–$6,294) highlights uncertainty. These projections depend heavily on past patterns; if future markets differ significantly, actual outcomes may sit outside these ranges.

Asset classes Info

  • Stocks
    71%
  • Real Estate
    15%
  • Other
    10%
  • Bonds
    4%

By asset class, the portfolio is dominated by equities at 71%, with 15% in real estate, 10% in “other” (largely gold and the hedge ETF), and 4% in bonds. This mix keeps growth‑oriented assets at the center while layering in real assets and interest‑rate‑sensitive components. Compared with a pure stock portfolio, the dedicated real estate and gold allocations add additional sources of return and risk that don’t move exactly with regular stocks. The small bond portion, especially in extended‑duration Treasuries, is more of a targeted interest‑rate tool than a broad bond anchor. Overall, this allocation is growth‑heavy but intentionally diversified across different economic drivers rather than only traditional stocks and bonds.

Sectors Info

  • Real Estate
    16%
  • Financials
    16%
  • Technology
    13%
  • Industrials
    9%
  • Consumer Discretionary
    7%
  • Energy
    6%
  • Basic Materials
    5%
  • Health Care
    4%
  • Consumer Staples
    4%
  • Telecommunications
    3%
  • Utilities
    2%
  • Consumer Discretionary
    1%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is spread across real estate, financials, technology, industrials, energy, materials, and more, with no single traditional sector utterly dominating. Real estate and financials stand out as the largest slices, while technology is significant but not overwhelmingly large compared with many broad market indices today. This balance helps avoid over‑reliance on one area, such as tech, for returns. Sector weights reflect both the explicit REIT holding and the value and small‑cap tilts, which naturally push more toward financials, industrials, and materials. Sector composition like this often behaves differently from a growth‑heavy index: it may lag in speculative booms led by high‑growth sectors but can hold up relatively better when value‑oriented areas come back into favor.

Regions Info

  • North America
    51%
  • Europe Developed
    14%
  • Japan
    8%
  • Asia Developed
    5%
  • Asia Emerging
    3%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about half the portfolio is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and smaller slices in emerging regions. Compared with a typical global market index, this looks more balanced, with a lower US share and more non‑US representation. That wider spread can help reduce dependence on a single economy or currency, which is beneficial when leadership rotates between regions. Exposure to emerging markets and smaller developed regions is modest but present, offering participation if growth or valuations in those areas become more attractive over time. This allocation is well‑balanced and aligns closely with global standards, supporting broad geographic diversification.

Market capitalization Info

  • Mid-cap
    21%
  • Mega-cap
    19%
  • Large-cap
    18%
  • Small-cap
    16%
  • No data
    10%
  • Micro-cap
    9%

This breakdown covers the equity portion of your portfolio only.

By market capitalization, the portfolio meaningfully holds mega‑cap, large‑cap, mid‑cap, small‑cap, and even micro‑cap stocks. The presence of dedicated small‑cap and value funds pushes more weight into the smaller and mid‑size company ranges than a plain broad market index would. Market cap segments behave differently: large and mega‑caps often drive headline indices and can be more stable, while small and micro‑caps tend to be bumpier but can offer stronger sensitivity to economic recoveries and valuation shifts. This spread across sizes means returns won’t perfectly mirror large‑cap benchmarks; instead, performance will partly depend on how smaller and mid‑size companies fare relative to the giants.

True holdings Info

  • Welltower Inc
    1.75%
    Part of fund(s):
    • JPMorgan BetaBuilders MSCI US REIT
  • Prologis Inc
    1.39%
    Part of fund(s):
    • JPMorgan BetaBuilders MSCI US REIT
  • NVIDIA Corporation
    1.13%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Apple Inc.
    1.06%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    0.80%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.71%
    Part of fund(s):
    • Avantis® Emerging Markets Equity ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Digital Realty Trust Inc
    0.67%
    Part of fund(s):
    • JPMorgan BetaBuilders MSCI US REIT
  • Simon Property Group Inc
    0.66%
    Part of fund(s):
    • JPMorgan BetaBuilders MSCI US REIT
  • Broadcom Inc
    0.66%
    Part of fund(s):
    • Simplify Interest Rate Hedge ETF
    • Vanguard S&P 500 ETF
  • Public Storage
    0.65%
    Part of fund(s):
    • JPMorgan BetaBuilders MSCI US REIT
  • Top 10 total 9.50%

This breakdown covers the equity portion of your portfolio only.

Looking through the top holdings of the ETFs, the biggest underlying positions like Welltower, Prologis, and other real estate names reflect the specific REIT allocation, while giants such as NVIDIA, Apple, Microsoft, and Broadcom show the broad market exposure. Each of these names appears in the portfolio only in modest “look‑through” sizes around 0.7–1.8%, suggesting no single company dominates overall exposure based on the available data. Some overlap is present, especially among large technology companies held by multiple funds, but it does not appear extreme. Because only ETF top‑10 holdings are used, overlap is likely understated, yet the current picture points toward diversified company‑level risk rather than concentration in a handful of stocks.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 71%
Size
Exposure to smaller companies
Neutral
Data availability: 86%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 55%
Quality
Preference for financially healthy companies
Neutral
Data availability: 55%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 84%

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.

Factor exposure shows a strong tilt toward value (74%) and a notable tilt toward low volatility (61%), while size, momentum, quality, and yield sit near neutral. Factors are like investing “ingredients” — characteristics such as cheapness (value) or price stability (low volatility) that research links to long‑term returns. A pronounced value tilt means the portfolio leans toward companies with lower prices relative to fundamentals, which may behave differently from popular growth names. The low‑volatility tilt suggests a preference for stocks that historically moved less dramatically, often softening swings in rough markets but sometimes lagging in strong speculative rallies. Together, these tilts help explain why the portfolio can feel more defensive and less tied to high‑flying growth trends than a standard market index.

Risk contribution Info

  • Avantis® U.S. Small Cap Value ETF
    Weight: 15.00%
    22.2%
  • Vanguard S&P 500 ETF
    Weight: 15.00%
    16.8%
  • JPMorgan BetaBuilders MSCI US REIT
    Weight: 15.00%
    16.1%
  • Avantis® International Small Cap Value ETF
    Weight: 10.00%
    12.1%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 10.00%
    11.4%
  • Top 5 risk contribution 78.5%

Risk contribution highlights how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the three 15% allocations — US small‑cap value, US REITs, and the S&P 500 ETF — together account for just over half of total portfolio risk. The small‑cap value fund, at 15% weight, contributes about 22% of risk, meaning it’s punchier than its size alone suggests. The broad S&P 500 and REIT funds contribute risk nearly in line with their weights. This pattern shows that while no single position dominates risk, the largest equity blocks understandably control most of the volatility, and the more volatile style (US small‑cap value) plays an outsized role.

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.

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On the risk‑return chart, the current portfolio sits below the efficient frontier, which is the curve of the best achievable return for each risk level using these same holdings in different weights. The Sharpe ratio — a measure of return earned per unit of risk above the risk‑free rate — is 0.66 for the current mix, versus 1.39 for the frontier’s optimal point and 0.73 for the minimum‑variance version. Being about 5.8 percentage points below the frontier at the same risk suggests that different weightings of the existing funds, without adding anything new, could hypothetically deliver either more expected return for similar risk or lower risk for a similar return, according to the model’s assumptions.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.60%
  • Avantis® Emerging Markets Equity ETF 1.90%
  • Avantis® U.S. Small Cap Value ETF 1.20%
  • JPMorgan BetaBuilders MSCI US REIT 2.60%
  • Vanguard Extended Duration Treasury Index Fund ETF Shares 5.50%
  • Simplify Interest Rate Hedge ETF 8.10%
  • Vanguard S&P 500 ETF 1.00%
  • Vanguard Total International Stock Index Fund ETF Shares 2.50%
  • Weighted yield (per year) 2.03%

The portfolio’s overall dividend yield sits around 2.03%, combining modest equity yields with higher payouts from the bond and interest‑rate hedge components. Dividend yield is the annual cash paid out as a percentage of the investment value, like rental income relative to a property price. Several holdings, such as REITs and international value stocks, provide solid income contributions, while broad US equities yield less. The very high stated yield on the hedge ETF and elevated yield on long‑duration Treasuries stand out but may be more sensitive to interest‑rate and policy changes. In total, the portfolio leans more toward a balanced mix of income and growth rather than purely chasing high yield.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® Emerging Markets Equity ETF 0.33%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • JPMorgan BetaBuilders MSCI US REIT 0.11%
  • COLUMBIA OVERSEAS VALUE FUND COLUMBIA OVERSEAS VALUE FUND CLASS Z 0.91%
  • Vanguard Extended Duration Treasury Index Fund ETF Shares 0.06%
  • SPDR® Gold Shares 0.40%
  • Simplify Interest Rate Hedge ETF 0.50%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.28%

The weighted ongoing cost (TER) of about 0.28% per year is relatively low, especially given the mix of specialized factor funds, REITs, gold, and hedging strategies. TER is like an annual service fee charged by the funds, quietly deducted from returns. Core index holdings from Vanguard help anchor costs at the low end, while the actively managed overseas value fund and the hedge ETF push the overall number up slightly. Compared with many multi‑fund portfolios with active components, these costs are impressively low, supporting better long‑term performance because less return is lost to fees. Over many years, even a few tenths of a percent can compound into a noticeable difference.

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