Diversified global equity portfolio with strong value and size tilts for long term growth focus
Report created on Apr 10, 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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VO Vanguard S&P 500 ETF
VOO - US9229083632 36.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 24.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 24.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 16.00%
The portfolio is entirely in stocks, split across four broad equity ETFs with no bonds or cash buffer. A large chunk sits in a broad US index, while the rest tilts toward smaller and cheaper companies both in the US and overseas. This structure leans firmly toward growth through equities rather than capital preservation. That matters because stocks can grow wealth meaningfully over long periods but swing sharply in the short term. For someone with many years ahead and stable external cash reserves, this type of all‑equity mix can be reasonable. For anyone needing money soon, the lack of defensive assets would usually feel too bumpy.
Growth
From late 2019 to early 2026, $1,000 grew to about $2,391, a compound annual growth rate (CAGR) of 14.31%. CAGR is like your “average speed” over the whole trip, smoothing out bumps. That trailed the US market by just under 1% per year but beat the global market by about 1.4% per year, which is a solid outcome. The worst drop was about -38% during early 2020, deeper than many people realize until they live through it. This kind of drawdown is normal for equity‑heavy portfolios. The key takeaway is that returns have been strong, but they demanded sitting calmly through sharp temporary losses.
Projection
The Monte Carlo simulation runs 1,000 “what if” futures using past return and volatility patterns to estimate a range of outcomes. It shows a median 15‑year value of about $2,743 from $1,000, with a wide “likely” band from roughly $1,805 to $4,289. Monte Carlo is like rolling weighted dice many times to see possible paths, not a promise of where you’ll land. The roughly 74% chance of a positive outcome and an average simulated return of 8.35% per year fit a risk‑on equity portfolio. Still, history may not repeat, and real‑world crises can look different from past data, so these projections should be treated as rough guides, not guarantees.
Asset classes
- Stocks 100%
All of the portfolio sits in stocks, with 0% in bonds, cash, or alternative assets. That creates very clean exposure to global equity growth but removes the stabilizing effect that fixed income or cash can provide during deep market sell‑offs. Asset classes behave differently, so mixing them typically smooths the ride, like diversifying your income sources. Here, diversification happens within equities, not across asset types. For someone comfortable with large swings and focused on maximizing long‑term growth, a 100% equity allocation can be acceptable. For more comfort‑seeking investors, even a modest allocation to more stable assets can reduce stress without entirely sacrificing return.
Sectors
- Technology 18%
- Financials 18%
- Industrials 14%
- Consumer Discretionary 13%
- Energy 9%
- Basic Materials 7%
- Health Care 7%
- Telecommunications 6%
- Consumer Staples 5%
- Utilities 2%
- Real Estate 2%
Sector allocation is nicely spread, with technology and financials both around 18%, followed by meaningful slices in industrials and consumer areas, plus exposure to energy, materials, health care, telecom, staples, utilities, and real estate. No single sector dominates in a way that looks extreme relative to broad equity benchmarks. That’s positive because sector cycles can be brutal: tech can soar in innovation booms but stumble when rates rise, while defensives like staples or utilities can shine in downturns. This portfolio’s sector mix is well‑balanced and aligns closely with global standards, which supports resilience when different parts of the economy go in and out of favor.
Regions
- North America 63%
- Europe Developed 15%
- Japan 9%
- Asia Developed 4%
- Asia Emerging 3%
- Australasia 3%
- Africa/Middle East 2%
- Latin America 1%
Geographically, about 63% is in North America, with the rest spread across developed Europe, Japan, other developed Asia, emerging Asia, Australasia, Africa/Middle East, and Latin America. That US tilt is typical for growth‑oriented portfolios today but still leaves decent exposure to the rest of the world. This matters because different regions lead at different times as currencies, interest rates, and growth cycles diverge. Over the last decade, the US has dominated, but earlier periods saw international markets on top. This allocation gives meaningful upside from US strength while still capturing a broad slice of global growth, which is a good balance for many long‑term investors.
Market capitalization
- Mega-cap 28%
- Small-cap 20%
- Large-cap 20%
- Mid-cap 20%
- Micro-cap 11%
Market‑cap exposure is very diversified: about 28% in mega‑caps, 20% each in large, mid, and small caps, and 11% in micro‑caps. That’s a much stronger tilt to smaller companies than a typical market‑cap weighted index, which is usually dominated by mega and large caps. Smaller firms tend to be more volatile but historically have offered higher expected returns over long horizons, somewhat like owning a scrappier but less predictable business. This spread across size categories is a real strength: it broadens the opportunity set beyond mega‑cap leaders and lets the portfolio benefit if smaller companies outperform over time, while the large‑cap slice still anchors quality and liquidity.
True holdings
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NV NVIDIA Corporation 2.64%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc 2.39%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 1.79%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 1.25%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.11%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 0.93%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 0.89%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 0.86%
Part of fund(s):- Vanguard S&P 500 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.82%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
TS Tesla Inc 0.69%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Top 10 total 13.36%
Looking through to top holdings, the biggest underlying exposures are well‑known large US growth names like Nvidia, Apple, Microsoft, Amazon, Alphabet, and Meta, plus Taiwan Semiconductor and Tesla. These show up mainly via the broad market funds, so you’re indirectly tied to the fortunes of mega‑cap tech and communication giants. Because only the top‑10 ETF holdings are captured, actual overlap is likely higher than reported. Hidden concentration is not extreme here, but big tech still plays an outsized role in performance. The combination of value‑tilted small caps with these mega‑caps creates a nice blend of styles that don’t always move together.
Factors
Factor exposure stands out for high tilts to value (69%) and size (62%), meaning a clear lean toward cheaper, smaller companies versus the market average. Factors are like underlying “traits” that academic research has tied to returns over decades. A value tilt can help when investors rediscover interest in low‑priced, cash‑generating businesses, but may lag during long growth stock booms. A size tilt often boosts returns over multiple decades but tends to increase short‑term volatility. The other factors sit roughly neutral, suggesting no strong tilt to momentum, quality, low volatility, or yield. Overall, this creates a distinct, intentional style rather than just holding the market.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 36.00% 33.9% -
Avantis® U.S. Small Cap Value ETF
Weight: 24.00% 31.0% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 24.00% 20.9% -
Avantis® International Small Cap Value ETF
Weight: 16.00% 14.2%
Risk contribution shows how much each ETF drives the overall ups and downs, which can differ from its weight. The S&P 500 ETF is 36% of the portfolio and contributes about 34% of total risk, almost proportionate. The US small cap value ETF is 24% of weight but about 31% of risk, so it punches above its size, consistent with smaller, more volatile stocks. The two international funds together contribute roughly 35% of risk from 40% weight, slightly dampening volatility. This is a healthy pattern: growthy small caps add return potential but don’t dominate total risk. Rebalancing over time can help keep these risk shares aligned with intent.
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 has a Sharpe ratio of 0.58, while the best mix of the same four funds reaches about 0.81, and the minimum‑risk mix still beats it at 0.69. The Sharpe ratio measures return per unit of risk above cash, like “how much reward per bump.” The current setup sits about 1.1 percentage points below the efficient frontier, meaning that for this level of volatility, the same ingredients could be combined more efficiently. That doesn’t mean the portfolio is bad; it’s already decent. It just suggests that tweaking weights slightly could improve the tradeoff between risk and return without adding new products.
Dividends
- Avantis® International Small Cap Value ETF 2.80%
- Avantis® U.S. Small Cap Value ETF 1.30%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.83%
The overall dividend yield is about 1.83%, coming from a mix of lower‑yielding US holdings and higher‑yielding international and small value positions. Dividend yield is simply the annual cash payment relative to price, like rent from owning shares. This level suggests a portfolio focused more on total return (price gains plus dividends) than on current income alone. For growth‑oriented investors, that’s often a fine tradeoff: companies may be reinvesting profits into expansion instead of paying them out. Over long periods, reinvested dividends can meaningfully boost results. This yield isn’t high enough to rely on for living expenses, but it adds a nice supporting layer to capital growth.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.14%
Weighted ongoing costs are very low at about 0.14% per year, thanks mainly to the ultra‑cheap Vanguard index funds and reasonably priced Avantis funds. TER, or total expense ratio, is like the annual “membership fee” for owning a fund. Keeping this number low is one of the few things investors can fully control, and it quietly compounds in your favor over decades. The portfolio’s cost level is better than many actively managed or niche strategies that can charge several times more. The costs are impressively low, supporting better long‑term performance and leaving more of the underlying market returns in your pocket each year.
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