Growth focused equity portfolio with strong US tilt and a notable value factor overlay
Report created on May 13, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 60.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 5.00%
This portfolio is a simple four‑ETF mix that is fully invested in stocks. About 60% is in a broad US large‑cap index, 20% in broad international stocks, 15% in US small‑cap value, and 5% in a US momentum strategy. So the base is classic market indexing, with two “satellite” positions that tilt toward specific styles. A concentrated but clear structure like this is easy to understand and track over time. The mix leans toward growth and capital appreciation rather than capital preservation, which lines up with its growth‑oriented risk label and the 100% equity exposure.
Growth
From late 2019 to mid‑2026, $1,000 grew to $2,628, which is a compound annual growth rate (CAGR) of 15.75%. CAGR is like your average speed on a road trip, smoothing out the ups and downs along the way. Over this period, the portfolio slightly lagged the US market by 0.53 percentage points annually but beat the global market by 2.01 points per year. The worst drop, or max drawdown, was about -35.6% during early 2020, similar to broad markets. That level of drawdown is typical for an all‑stock portfolio and shows that meaningful temporary losses are part of the ride.
Projection
The Monte Carlo projection uses 1,000 simulations to imagine many possible 15‑year paths using patterns from past data. It’s like running the weather forecast thousands of times to see a range of outcomes, not just one guess. The median result grows $1,000 to about $2,798, with a wide “likely” range from roughly $1,818 to $4,213. There’s also a small chance of very low or very high outcomes. The average simulated annual return is 8.32%. These numbers are not promises; they simply show how a portfolio with this risk profile has behaved historically under many different market conditions.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with no bonds or cash buffers embedded in the mix. That means the return potential is directly tied to how equity markets perform, without the dampening effect that fixed income usually provides. A 100% equity allocation is common in growth‑focused setups and tends to be more sensitive to market swings. Because there are no other asset classes to offset stock moves, diversification has to come from within equities themselves: across regions, company sizes, sectors, and styles. The portfolio leans into that internal equity diversification rather than mixing in lower‑risk assets.
Sectors
- Technology 27%
- Financials 16%
- Industrials 11%
- Consumer Discretionary 11%
- Health Care 8%
- Telecommunications 8%
- Energy 6%
- Consumer Staples 5%
- Basic Materials 4%
- Utilities 2%
- Real Estate 2%
The sector split is led by technology at 27%, followed by financials at 16% and then a broad spread across industrials, consumer discretionary, health care, telecom, energy, staples, materials, utilities, and real estate. This is broadly similar to global equity benchmarks that are tech‑heavy but still diversified. Tech‑tilted portfolios can benefit when innovation and growth stocks are in favor but may feel sharper moves when interest rates rise or sentiment turns against high‑growth names. The presence of meaningful weights in more cyclical and defensive sectors helps avoid being “all in” on one economic story.
Regions
- North America 81%
- Europe Developed 8%
- Japan 3%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, the portfolio is heavily tilted to North America at 81%, with smaller slices in developed Europe, Japan, other developed Asia, emerging Asia, and small exposures to Australasia, Latin America, and Africa/Middle East. This is more US‑centric than a typical global market index, which usually has a lower US share. A strong home bias like this means results will track US economic and market conditions closely. At the same time, the 20% international allocation still brings in other currencies and economies, helping reduce the risk that everything depends on a single country’s fortunes and policies.
Market capitalization
- Mega-cap 39%
- Large-cap 30%
- Mid-cap 15%
- Small-cap 9%
- Micro-cap 7%
By market cap, the portfolio blends 39% mega‑cap, 30% large‑cap, 15% mid‑cap, 9% small‑cap, and 7% micro‑cap exposure. That’s a clear tilt toward the biggest companies but with a noticeable allocation down the size spectrum due to the dedicated small‑cap value ETF. Large and mega‑caps tend to be more stable and widely followed, while smaller companies can be more volatile but also more sensitive to economic growth and local trends. This mix creates a “barbell” effect: the stability and dominance of big firms paired with the higher risk‑higher potential behavior of smaller stocks.
True holdings
-
NV NVIDIA Corporation 5.00%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 4.00%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 2.95%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.18%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.06%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.95%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.65%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.34%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.12%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 0.94%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 23.20%
Looking through ETF top holdings, a big chunk of the visible exposure is concentrated in a handful of giant US companies like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Berkshire Hathaway. NVIDIA and Apple alone add up to about 9% of the portfolio, mostly through index ETFs. Because these names appear in multiple funds, their influence is larger than it might seem from any single ETF. Only around 28% of the portfolio is captured via these top‑10 lists, so actual overlap is higher than reported. This creates a hidden concentration in a cluster of mega‑cap growth leaders.
Factors
Factor exposure shows a notable tilt toward value at 61%, while size, momentum, quality, yield, and low volatility all sit close to neutral (around 50–55%). Factors are like underlying “styles” of investing — value, for example, focuses on stocks that look cheap relative to fundamentals. The high value tilt mainly comes from the small‑cap value ETF and slightly offsets the strong growth bias from large US tech names. Historically, value and growth have taken turns leading markets, so this mix can behave differently from a pure growth portfolio, potentially smoothing style cycles without leaning too hard into any single factor besides value.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 60.00% 59.4% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 18.5% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 17.1% -
Invesco S&P 500® Momentum ETF
Weight: 5.00% 4.9%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the S&P 500 ETF is 60% of the portfolio and contributes about 59.4% of total risk — almost exactly proportional. The small‑cap value ETF is 15% by weight but adds 18.5% of the risk, reflecting that smaller, cheaper stocks tend to be bumpier. The international fund contributes slightly less risk than its 20% weight, and the momentum ETF is roughly proportional. Overall, the top three positions account for about 95% of portfolio risk, indicating a concentrated risk structure in the core holdings.
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 efficient frontier chart, the current portfolio has a Sharpe ratio of 0.64, below both the optimal portfolio’s 0.98 and the minimum‑variance portfolio’s 0.68. The Sharpe ratio compares excess return over a risk‑free rate to volatility, like measuring how much “extra” return you’ve historically received per unit of bumpiness. The current mix sits about 2.37 percentage points below the efficient frontier at its risk level, meaning that different weights in the same four funds could have historically offered a better balance between risk and return. The minimum‑risk mix would slightly lower volatility with a modest reduction in expected return.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco S&P 500® Momentum ETF 0.70%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.43%
The overall dividend yield for the portfolio is about 1.43%, coming from modest yields on the US funds and a higher 2.70% from the international fund. Dividend yield is the annual cash payout as a percentage of price, like a “cashback” percentage on your investment. This level of income is relatively low, which is common for growth‑oriented equity portfolios that focus more on price appreciation and include many companies that reinvest profits rather than pay them out. In practice, most of the historical return here has likely come from changes in share prices rather than from dividends.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.07%
The weighted total expense ratio (TER) of the portfolio is a very low 0.07% per year. TER is the annual fee charged by the funds, taken out of returns automatically, similar to a small management fee on an account. This cost level is impressively low and compares favorably with typical active or higher‑fee strategies. Keeping fees down leaves more of any future returns in the portfolio rather than paying them away. Over long periods, even small fee differences compound significantly, so this cost structure provides a strong foundation from an efficiency standpoint without sacrificing diversification or factor exposure.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
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