Balanced global value tilted allocation with strong diversification and room for efficiency tweaks

Report created on Mar 25, 2026

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

The portfolio is built mainly from broad stock index ETFs, with meaningful slices of bonds, inflation‑protected bonds, gold, a small crypto position, and a touch of cash. Stocks make up about three‑quarters of the mix, but no single holding dominates excessively, even though the total US stock ETF is the anchor position. This blend offers growth potential while still including stabilizers like core bonds, TIPS, and gold. Having several “satellite” value and small‑cap funds adds extra return drivers beyond plain market exposure. Overall, this structure fits a cautious growth mindset: focused on long‑term appreciation but not all‑in on pure equities, and clearly more diversified than a simple one‑fund solution.

Growth Info

Over the observed period, the portfolio grew a hypothetical 1,000 investment to about 1,442, slightly ahead of both the US and global market benchmarks. Its compound annual growth rate (CAGR) of 17.56% edges out the benchmarks’ roughly 17% figures, showing that the tilts added some value. Max drawdown, or worst peak‑to‑trough drop, was about ‑13.5%, noticeably milder than both benchmarks, which fell 16–19% at worst. That’s impressive: better returns with smaller drawdowns is exactly what many investors hope for. Still, the backtest is short and markets were unusually strong, so the numbers are encouraging but not a guarantee that the same pattern holds in rougher or longer periods.

Projection Info

The Monte Carlo projection uses past return and volatility patterns to generate many random “what if” paths for the next 10 years. Think of it as running 1,000 alternate futures to see a range of outcomes rather than one single forecast. Here, every simulation ended positive, with a median cumulative gain above tenfold and a very high average annualized return. That’s obviously very attractive but also likely optimistic because it assumes the recent strong environment persists. The key use of this tool is not the exact numbers but understanding the spread: outcomes could range from roughly tripling the money in tougher conditions to many multiples in more favorable markets.

Asset classes Info

  • Stocks
    76%
  • Bonds
    14%
  • Other
    6%
  • Crypto
    2%
  • Cash
    1%

Asset‑class allocation is dominated by stocks at 76%, with about 14% in traditional bonds, 8% in “other” (mostly gold and TIPS counted separately) and a small slice in crypto and cash. For a cautious profile, this is growth‑oriented but still buffered by meaningful fixed income and real‑asset exposure. Compared to a traditional 60/40 mix, it leans more toward equities, which should lift long‑term return potential but also daily swings. The presence of both nominal bonds and inflation‑protected bonds helps address different interest‑rate and inflation scenarios, while gold and cash provide additional ballast. This is a well‑balanced structure that still clearly prioritizes long‑term growth.

Sectors Info

  • Technology
    16%
  • Financials
    14%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Energy
    6%
  • Health Care
    5%
  • Telecommunications
    5%
  • Basic Materials
    4%
  • Consumer Staples
    4%
  • Crypto
    2%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is nicely spread across technology, financials, industrials, consumer areas, energy, healthcare, and more, with no single sector overwhelming the portfolio. Technology is the largest at about 16%, but far from the very tech‑heavy weights seen in some broad indices today, which helps reduce sensitivity to interest‑rate moves and growth stock sentiment. Financials and industrials also play substantial roles, adding cyclicality tied to the real economy. A small explicit crypto sector slice adds nontraditional risk. This broad sector mix means returns will come from many different parts of the economy rather than hinging on one storyline, which is a solid sign of diversification.

Regions Info

  • North America
    47%
  • Europe Developed
    9%
  • Asia Developed
    5%
  • Japan
    5%
  • Asia Emerging
    5%
  • Africa/Middle East
    4%
  • Australasia
    1%
  • Latin America
    1%

Geographically, the portfolio is anchored in North America at around 47%, but with meaningful allocations to Europe, Japan, developed Asia, emerging Asia, the Middle East/Africa, Australasia, and Latin America. That’s a more balanced global footprint than many US‑centric portfolios that often sit 60–70% in the US. The diversified regional mix can help smooth country‑specific shocks, like policy changes or local recessions, and gives exposure to different growth engines and currencies. There is a noticeable tilt toward a specific Middle Eastern market via the dedicated ETF, which adds some unique regional risk and opportunity. Overall, the global spread looks thoughtfully aligned with diversification best practices.

Market capitalization Info

  • Mega-cap
    25%
  • Large-cap
    19%
  • Mid-cap
    16%
  • Small-cap
    11%
  • No data
    6%
  • Micro-cap
    5%

By market size, the portfolio holds a wide spectrum: mega‑caps and large‑caps together are a big chunk, but there is also solid exposure to mid‑caps, small‑caps, and even micro‑caps. This is quite different from a pure market‑cap index, which is usually dominated by the very largest companies. The added weight in small and micro companies can increase volatility but historically has offered higher long‑run return potential and more direct exposure to local economic growth. Having all sizes in the mix also reduces dependence on a small group of giants. This size diversification is a strength and pairs well with the value‑oriented strategy used in several of the ETFs.

True holdings Info

  • Grayscale Bitcoin Mini Trust (BTC)
    2.30%
    Part of fund(s):
    • iShares Bitcoin Trust
  • NVIDIA Corporation
    1.99%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • iShares Core S&P Total U.S. Stock Market ETF
  • Apple Inc
    1.88%
    Part of fund(s):
    • American Century ETF Trust - Avantis U.S. Large Cap Value ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
    • iShares Core S&P Total U.S. Stock Market ETF
  • Microsoft Corporation
    1.41%
    Part of fund(s):
    • American Century ETF Trust - Avantis U.S. Large Cap Value ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
    • iShares Core S&P Total U.S. Stock Market ETF
  • Amazon.com Inc
    1.10%
    Part of fund(s):
    • American Century ETF Trust - Avantis U.S. Large Cap Value ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • iShares Core S&P Total U.S. Stock Market ETF
  • Alphabet Inc Class A
    0.87%
    Part of fund(s):
    • American Century ETF Trust - Avantis U.S. Large Cap Value ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • iShares Core S&P Total U.S. Stock Market ETF
  • Meta Platforms Inc.
    0.77%
    Part of fund(s):
    • American Century ETF Trust - Avantis U.S. Large Cap Value ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • iShares Core S&P Total U.S. Stock Market ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.76%
    Part of fund(s):
    • Avantis® Emerging Markets Equity ETF
    • Vanguard International Equity Index Funds - Vanguard FTSE Emerging Markets ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • iShares Asia 50 ETF
  • Broadcom Inc
    0.70%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
    • iShares Core S&P Total U.S. Stock Market ETF
  • Alphabet Inc Class C
    0.70%
    Part of fund(s):
    • American Century ETF Trust - Avantis U.S. Large Cap Value ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • iShares Core S&P Total U.S. Stock Market ETF
  • Top 10 total 12.47%

Looking through the holdings, the largest underlying exposures are familiar mega‑cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Meta, plus Bitcoin via the trust. These show up across the broad US and international funds, so the same companies appear in multiple ETFs. That overlap is normal for broad index strategies but does create a bit of hidden concentration in top global growth franchises and crypto. Because only ETF top‑10s are used, the real overlap is probably somewhat higher. The practical takeaway: even with strong diversification, portfolio behavior will still be influenced by a handful of dominant global winners and a small but potent crypto sleeve.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 30%
Size
Exposure to smaller companies
High
Data availability: 24%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
Very high
Data availability: 6%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 97%

Factor exposure shows strong tilts to value, yield, and smaller size, with moderate momentum and low‑volatility characteristics. Factors are like the “personality traits” of investments—value favors cheaper companies, size tilts toward smaller firms, yield emphasizes income, and momentum focuses on recent winners. Here, value and size dominance mean the portfolio may shine when cheaper and smaller companies outperform, but could lag when expensive growth stocks lead. The healthy low‑volatility exposure should help soften drawdowns somewhat, while moderate momentum helps avoid being stuck in perpetually struggling names. Signal coverage isn’t perfect, so estimates aren’t exact, but it’s clear this is not just a plain market‑cap index clone.

Risk contribution Info

  • iShares Core S&P Total U.S. Stock Market ETF
    Weight: 29.83%
    35.7%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 17.92%
    19.4%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 9.21%
    13.4%
  • Avantis® International Small Cap Value ETF
    Weight: 6.61%
    7.3%
  • Avantis® Emerging Markets Equity ETF
    Weight: 5.40%
    6.3%
  • Top 5 risk contribution 82.1%

Risk contribution measures how much each holding drives the portfolio’s ups and downs, which can differ from its simple weight. The broad US stock ETF, at about 30% weight, supplies around 36% of total risk, while the international fund and US small‑cap value ETF also punch above their weight. The top three positions together contribute nearly 69% of portfolio risk. That concentration in a handful of broad equity funds is normal and not necessarily a problem, but it’s worth recognizing that adjustments to those weights have the biggest impact on overall volatility. Smaller niche holdings, by contrast, matter more at the margin than at the core.

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, which represents the best achievable return for each risk level using these same holdings. Its Sharpe ratio of 1.25 is solid but notably lower than what a reweighted, optimal mix could offer, either at much lower risk or with a higher expected return at the same risk. The “same‑risk optimized” mix, for example, shows the potential for significantly higher projected return at similar volatility. This doesn’t mean the current allocation is bad—far from it—but it suggests that fine‑tuning the weights among existing funds could enhance efficiency without adding new products, especially by balancing the main equity and defensive positions.

Dividends Info

  • iShares Core U.S. Aggregate Bond ETF 3.90%
  • Avantis® International Small Cap Value ETF 3.10%
  • Avantis® Emerging Markets Equity ETF 2.40%
  • American Century ETF Trust - Avantis U.S. Large Cap Value ETF 1.50%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • iShares MSCI Israel ETF 1.30%
  • iShares Core S&P Total U.S. Stock Market ETF 1.10%
  • Schwab U.S. TIPS ETF 4.00%
  • Vanguard Money Market Reserves - Vanguard Cash Reserves Federal Money Market Fund 4.00%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • Weighted yield (per year) 2.07%

The total yield of about 2.07% reflects a mix of income sources: higher payouts from bond funds and the money market position, plus moderate dividends from the value‑oriented equity ETFs and international holdings. Income‑heavy pieces like TIPS and the aggregate bond fund currently pay close to 4%, providing a nice cushion of cash flow. While this yield alone is unlikely to meet substantial spending needs, it meaningfully contributes to total return, especially when reinvested. For long‑term investors, stable dividend streams can help smooth returns across cycles. The blend of income from both stocks and bonds here is well‑aligned with a cautious growth and income mindset.

Ongoing product costs Info

  • iShares Core U.S. Aggregate Bond ETF 0.03%
  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® Emerging Markets Equity ETF 0.33%
  • American Century ETF Trust - Avantis U.S. Large Cap Value ETF 0.15%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares MSCI Israel ETF 0.59%
  • iShares Gold Trust 0.25%
  • iShares Bitcoin Trust 0.12%
  • iShares Core S&P Total U.S. Stock Market ETF 0.03%
  • Schwab U.S. TIPS ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.13%

Overall costs are impressively low, with a total expense ratio (TER) around 0.13%. That’s well below what many blended portfolios pay and is a genuine structural advantage over time. Fees are like a permanent headwind; every fraction of a percent saved compounds in an investor’s favor over decades. The mix of ultra‑cheap core index ETFs and moderately priced active‑tilt funds strikes a good balance between cost control and potential factor‑driven excess returns. Keeping costs contained like this means more of the portfolio’s gross performance translates into net results, which is especially valuable in lower‑return environments where fees can otherwise eat a larger share of gains.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey