Diversified global stock portfolio with low costs and a clear tilt toward large cap value exposure

Report created on Apr 19, 2026

Risk 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

This portfolio is built entirely from four broad stock ETFs, with a clear split between US and international developed markets. The largest position is a US large cap index ETF at 40%, followed by 25% in developed markets outside the US, 20% in a US large cap value strategy, and 15% in an international large cap ETF. Structurally, that creates a simple, easy-to-track portfolio with just a few moving parts. Using broad funds like this means each holding owns hundreds or thousands of companies, even though the fund list is short. That combination of simplicity and underlying breadth is a common way to get diversified stock exposure without having to manage many individual positions.

Growth Info

Historically, from late 2021 to mid‑2026, $1,000 in this portfolio grew to about $1,727. That translates into a compound annual growth rate (CAGR) of 12.85%, meaning the investment effectively gained around 12.85% per year on average over the period. The worst peak‑to‑trough drop, or max drawdown, was about ‑24.1%, which is in line with typical equity volatility. Compared with benchmarks, performance was almost identical to the US market and ahead of the global market. This suggests the mix of US and international stocks has behaved similarly to a broad US index while adding some diversification beyond it. As always, past performance doesn’t guarantee anything about the future.

Projection Info

The Monte Carlo projection uses many randomized paths based on historical behavior to imagine where $1,000 might end up after 15 years. Think of it as rolling the dice 1,000 times using past returns and volatility as a guide. The median outcome is about $2,799, with a central “likely” range between roughly $1,785 and $4,276. In more extreme scenarios, results span from around $1,012 to $8,505. The average annualized return across all simulations is 8.41%. These numbers illustrate how wide the range of possible futures can be, even when using the same starting portfolio. They’re educational rather than predictive, since markets don’t repeat history perfectly and future conditions can differ a lot.

Asset classes Info

  • Stocks
    100%

All of this portfolio sits in stocks, with no allocation to bonds, cash, or alternative assets. That makes it a pure equity portfolio, where returns are fully tied to company earnings, valuations, and market sentiment. Equities historically have offered higher long‑term growth potential than bonds or cash, but with larger and more frequent short‑term swings. Compared with blended stock‑and‑bond allocations, this structure will typically move more with equity markets, both up and down. The absence of bonds or cash also means there is no built‑in dampener during downturns. On the other hand, having all assets in stocks keeps the portfolio straightforward, and the diversification has to come from geography, sectors, and factors instead of asset class mix.

Sectors Info

  • Technology
    20%
  • Financials
    18%
  • Industrials
    14%
  • Consumer Discretionary
    11%
  • Health Care
    8%
  • Telecommunications
    8%
  • Energy
    7%
  • Consumer Staples
    6%
  • Basic Materials
    5%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is broad, with no single sector dominating. Technology is the largest at 20%, followed by financials at 18% and industrials at 14%. Consumer‑related sectors, health care, telecommunications, energy, staples, materials, utilities, and real estate all show meaningful but smaller weights. This spread looks quite close to typical developed‑market benchmarks, which is a strong indicator of diversification across the economic cycle. Tech and financials tend to be more sensitive to interest rates and growth expectations, while areas like consumer staples and utilities can be steadier. Because the sectors roughly mirror broad indices, the portfolio’s sector behavior is likely to track global market patterns rather than expressing a big bet on any single industry.

Regions Info

  • North America
    65%
  • Europe Developed
    21%
  • Japan
    8%
  • Asia Developed
    3%
  • Australasia
    2%

Geographically, about 65% of the portfolio is in North America, with the rest split across developed markets: roughly 21% in Europe, 8% in Japan, and small slices in other developed Asia and Australasia. This US‑heavy tilt is common and broadly aligned with global stock market weights, where North America also makes up a large share of total value. Being spread across several major developed economies reduces reliance on any single region’s growth or policy environment. Currency and economic cycles can partly offset each other, which can smooth returns over time. At the same time, there’s relatively little exposure to emerging markets, so the portfolio mainly tracks the fortunes of mature, developed economies.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    34%
  • Mid-cap
    22%
  • Small-cap
    4%

By company size, the portfolio leans strongly toward larger firms: about 40% in mega‑caps, 34% in large‑caps, 22% in mid‑caps, and only 4% in small‑caps. This pattern closely matches many broad developed‑market indices, where the largest companies dominate total market value. Large and mega‑caps often have more stable earnings, stronger balance sheets, and greater analyst coverage, which can translate into smoother performance than very small companies. On the flip side, small‑caps, though more volatile, can sometimes offer different growth dynamics and diversification benefits. Here, the modest mid‑ and small‑cap exposure adds some variety without moving the portfolio far from a classic large‑cap‑dominated profile.

True holdings Info

  • Apple Inc
    3.22%
    Part of fund(s):
    • American Century ETF Trust - Avantis U.S. Large Cap Value ETF
    • Vanguard S&P 500 ETF
  • NVIDIA Corporation
    3.03%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    2.07%
    Part of fund(s):
    • American Century ETF Trust - Avantis U.S. Large Cap Value ETF
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    1.97%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Meta Platforms Inc.
    1.50%
    Part of fund(s):
    • American Century ETF Trust - Avantis U.S. Large Cap Value ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    1.20%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    1.05%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    0.96%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Tesla Inc
    0.75%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
  • Micron Technology Inc
    0.72%
    Part of fund(s):
    • American Century ETF Trust - Avantis U.S. Large Cap Value ETF
  • Top 10 total 16.46%

Looking through the ETFs, the biggest underlying names are familiar mega‑cap companies like Apple, NVIDIA, Amazon, Microsoft, Meta, Alphabet, Broadcom, Tesla, and Micron. Each of these appears only as a few percent of the total portfolio, with Apple and NVIDIA just over 3% each. These exposures mainly come from the broad index funds, and some companies show up in more than one ETF, creating overlap. Because only the top‑10 holdings of each ETF are captured, actual overlap is likely a bit higher than reported. Even so, no single company dominates overall risk, and the portfolio takes on a diversified slice of the large‑cap universe rather than leaning heavily on one or two individual names.

Factors Info

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

The factor picture shows a clear tilt toward value, with value exposure at 68%, described as “High.” Factor exposure is about how much the portfolio leans into characteristics like value, size, momentum, and quality that academic research links to long‑term returns. A value tilt means the portfolio holds more companies trading at lower prices relative to fundamentals like earnings or book value than the broad market. Historically, value stocks have gone through long cycles of doing better or worse than growth stocks. The other factors—size, momentum, quality, yield, and low volatility—are all around neutral, indicating overall behavior there should be close to broad market averages, with value being the main distinctive feature.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 40.00%
    41.1%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares
    Weight: 25.00%
    24.3%
  • American Century ETF Trust - Avantis U.S. Large Cap Value ETF
    Weight: 20.00%
    20.5%
  • Avantis International Large Cap
    Weight: 15.00%
    14.2%

Risk contribution shows how much each ETF drives the portfolio’s ups and downs, which isn’t always the same as its weight. Here, the S&P 500 ETF makes up 40% of the portfolio and contributes about 41% of total risk, very aligned. The developed markets ETF is 25% of the weight and about 24% of the risk. The US value ETF at 20% contributes roughly 20%, and the international large cap ETF at 15% contributes about 14%. These risk/weight ratios are all close to 1, meaning no fund is disproportionately volatile versus its size. The top three holdings together drive about 86% of overall risk, which is expected given they also represent the bulk of the capital.

Redundant positions Info

  • Avantis International Large Cap
    Vanguard FTSE Developed Markets Index Fund ETF Shares
    High correlation

The correlation data highlights that the Avantis International Large Cap ETF and the Vanguard FTSE Developed Markets ETF have moved almost identically in the past. Correlation measures how often two investments move in the same direction, on a scale from ‑1 to +1. Very high correlation means those pieces of the portfolio tend to rise and fall together, limiting diversification between them. In practice, this suggests that the two international allocations behave like very similar slices of the same developed ex‑US market. That doesn’t negate their usefulness, but it does mean that diversification benefits within the international bucket come more from combining them with US exposure than from differences between the two international funds themselves.

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 portfolio sits below the efficient frontier by about 1.06 percentage points of expected return at its risk level. The efficient frontier represents the best trade‑off between risk (volatility) and return you could get by just reweighting the existing holdings. The Sharpe ratio, which measures return per unit of risk above the risk‑free rate, is 0.59 for the current mix versus 0.84 for the optimal and 0.83 for the minimum‑variance portfolio. This suggests there’s room, in theory, to rearrange the same four ETFs into a combination that delivers higher expected return or lower risk, without adding new products—purely from a mathematical optimization standpoint.

Dividends Info

  • Avantis International Large Cap 2.80%
  • American Century ETF Trust - Avantis U.S. Large Cap Value ETF 1.10%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.70%
  • Vanguard S&P 500 ETF 1.10%
  • Weighted yield (per year) 1.76%

The portfolio’s total dividend yield is around 1.76%, combining lower‑yielding US funds (about 1.10%) with higher‑yielding developed and international large cap funds (around 2.7–2.8%). Dividend yield is the annual cash payout from holdings divided by current price, and it contributes a steady component of total return alongside price movement. In a portfolio like this, dividends are a meaningful but not dominant part of overall performance; growth in share prices typically matters more over long horizons. The stronger yields on the international and value‑focused funds are consistent with the value tilt, since value stocks often distribute a larger share of profits as dividends compared with more growth‑oriented companies.

Ongoing product costs Info

  • Avantis International Large Cap 0.25%
  • American Century ETF Trust - Avantis U.S. Large Cap Value ETF 0.15%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.09%

Costs are notably low, with a total expense ratio (TER) for the portfolio of about 0.09% per year. TER is the annual fee charged by funds, taken out of assets rather than billed directly, and it quietly reduces returns over time. Here, the range runs from 0.03% for the S&P 500 ETF to 0.25% for the international Avantis fund, but the overall blended cost remains very competitive. Compared with many actively managed funds or more complex strategies, this level of cost leakage is small. Keeping fees low is a structural advantage because it’s one of the few elements of investing that’s relatively predictable: less paid out in expenses means more of any future returns stay in the portfolio.

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