Well diversified global equity portfolio with strong value and size tilts and sensible low cost structure

Report created on Mar 27, 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

The portfolio is a 100% stock mix split between broad market index funds and targeted factor ETFs. About 60% is in “total” US and international stock funds, giving you very wide coverage of listed companies worldwide. The remaining 40% adds tilts toward small-cap value and quality, which intentionally shifts the return profile away from pure market exposure. This structure is relevant because it combines a simple diversified core with more focused “satellite” positions. Overall, the blend fits a growth-oriented approach that accepts higher volatility in exchange for long-term upside, while still maintaining strong diversification across thousands of companies.

Growth Info

From late 2019 to early 2026, $1,000 grew to about $2,058, a compound annual growth rate (CAGR) of 13.11%. CAGR is the average yearly growth rate, like your investment’s “cruising speed” over the full trip. The portfolio slightly lagged the US market but beat the global market, which is a solid outcome given the strong factor tilts. The max drawdown of -37.15% shows it experienced a deep but not unusual equity-level drop, similar to major benchmarks. This history supports the idea that the structure behaves like a growth portfolio: meaningful upside with equity-level downturns that require emotional and time-horizon discipline.

Asset classes Info

  • Stocks
    100%

All assets are in stocks, with no bonds or cash-like holdings. That makes the portfolio very growth-oriented and highly sensitive to equity market swings, both up and down. Pure equity allocations are common for long horizons or for investors who can tolerate substantial drawdowns without changing course. The benefit is maximum exposure to long-term stock market returns. The trade-off is the lack of a stabilizing component that might soften big downturns. This clear, single-asset-class approach works best when day-to-day and even year-to-year volatility is acceptable and when short-term liquidity needs are covered outside this portfolio.

Sectors Info

  • Technology
    20%
  • Financials
    17%
  • Industrials
    16%
  • Consumer Discretionary
    11%
  • Health Care
    9%
  • Basic Materials
    6%
  • Consumer Staples
    6%
  • Telecommunications
    5%
  • Energy
    4%
  • Real Estate
    3%
  • Utilities
    3%

Sector exposure is broad and reasonably balanced, with technology around one-fifth and financials and industrials also significant. No single sector dominates, and the distribution looks similar to widely used global benchmarks, which is a strong indicator of solid diversification. Tech exposure is meaningful but not extreme, helping you participate in innovation-driven growth without being overly dependent on one theme. More cyclical areas like consumer discretionary and industrials sit alongside defensives such as health care and staples, providing a mix that can perform in different economic environments. This sector composition is well-balanced and aligns closely with global standards, which is reassuring.

Regions Info

  • North America
    63%
  • Europe Developed
    15%
  • Japan
    8%
  • Asia Developed
    5%
  • Asia Emerging
    4%
  • Australasia
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%

Geographically, the portfolio leans toward North America at about 63%, with meaningful exposure to Europe, Japan, and other developed and emerging regions. This is broadly similar to global equity benchmarks that naturally give the US a heavy weight due to its market size. The benefit is strong participation in one of the world’s most dynamic markets, while still holding a substantial allocation to international companies that can perform differently across cycles. Some investors might tweak the US vs. non-US split based on their personal views, but structurally this is a globally diversified equity profile rather than a single-country bet.

Market capitalization Info

  • Mega-cap
    27%
  • Mid-cap
    25%
  • Large-cap
    23%
  • Small-cap
    18%
  • Micro-cap
    6%

Market capitalization exposure is nicely spread: roughly half in large/mega caps and the rest in mid, small, and micro caps. This is less top-heavy than a pure market-cap-weighted index, because the added value and small-cap funds push the portfolio down the size spectrum. Smaller companies can offer higher long-term return potential but come with more volatility and shorter-term noise. Larger companies tend to be more stable but may grow more slowly. This mix provides a healthy blend of stability and growth potential. It’s a deliberate tilt toward size that can be rewarding over long horizons, though it may be bumpier.

True holdings Info

  • Apple Inc
    2.01%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard U.S. Quality Factor
  • NVIDIA Corporation
    1.85%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    1.32%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.03%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Amazon.com Inc
    0.92%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    0.82%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    0.68%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    0.65%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    0.64%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    0.52%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 10.44%

Looking through the top ETF holdings, exposure is naturally concentrated in some of the world’s largest companies, like Apple, NVIDIA, Microsoft, and Amazon. None are held directly; all show up via broad index funds, which is normal for market-cap-weighted products. The largest single company exposure is just over 2%, and the others are below 2%, so there is no extreme single-stock concentration based on available data. Some overlap is inevitable when using total market funds, but here it appears controlled. This alignment with how global markets are structured supports diversified growth while avoiding outsized dependence on any one mega-cap name.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 25%
Size
Exposure to smaller companies
Very high
Data availability: 70%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Very high
Data availability: 15%
Yield
Preference for dividend-paying stocks
No data
Data availability: 0%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure is a standout feature here. There are strong tilts toward value, size (smaller companies), and quality. Factor exposure describes how much a portfolio leans into characteristics research has linked to long-term returns, like “cheapness” (value) or financial strength (quality). An 85% exposure to value and size indicates a clear preference for cheaper, smaller stocks, while high quality exposure suggests emphasis on solid balance sheets and profitability. Momentum and low volatility are closer to neutral. This setup may outperform in periods when value and small caps are in favor but could lag during mega-cap or growth-led rallies, as seen recently.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 30.00%
    30.2%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 30.00%
    26.9%
  • Vanguard Small-Cap Value Index Fund ETF Shares
    Weight: 15.00%
    17.7%
  • Vanguard U.S. Quality Factor
    Weight: 15.00%
    16.2%
  • Avantis® International Small Cap Value ETF
    Weight: 10.00%
    9.0%

Risk contribution shows how much each holding adds to overall ups and downs, which can differ from its weight. Here, the two broad total market funds plus the US small-cap value ETF together drive nearly three-quarters of portfolio risk. Their risk contributions are roughly in line with or slightly above their weights, indicating no single ETF is wildly dominating the risk profile. This is a healthy pattern: your biggest holdings are the biggest risk drivers, which is intuitive and transparent. If desired, risk could be tilted slightly away from any one region or style by adjusting these core positions, but nothing appears extreme.

Redundant positions Info

  • Vanguard Small-Cap Value Index Fund ETF Shares
    Vanguard U.S. Quality Factor
    High correlation

The small-cap value and US quality factor funds are highly correlated, meaning they tend to move in similar directions at the same time. Correlation measures how assets move together; when correlation is high, the diversification benefit between them is limited during stress periods. Even so, the underlying styles (value vs. quality) can behave differently over longer cycles, adding some nuance to returns. The broader portfolio still gains most of its diversification from the mix of US vs. international and large vs. small companies. In sharp market selloffs, expect these factor funds to drop in tandem with other equities.

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, with a Sharpe ratio of 0.57 versus 0.75 for the optimal mix. The efficient frontier represents the best return you could historically have gotten for each risk level using only these existing holdings with different weights. Because the current allocation is below that curve, historical data suggests that reweighting the same ETFs could improve expected returns or reduce risk without adding new products. For example, the same-risk optimized mix shows higher expected return. This doesn’t guarantee future gains, but it signals room for fine-tuning via rebalancing.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.10%
  • Vanguard Small-Cap Value Index Fund ETF Shares 1.90%
  • Vanguard U.S. Quality Factor 1.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • Weighted yield (per year) 2.04%

The blended dividend yield of about 2.04% is a modest but meaningful income stream for a growth-tilted equity portfolio. Yields are higher on the international and small-cap value funds and lower on the broad US and quality factor ETFs, which is typical: value and international stocks often pay more dividends. Dividends can help smooth returns over time, especially during sideways markets, even if they are not the main focus here. For investors reinvesting distributions, this yield quietly boosts compounding. For those eventually seeking income, this base level could be a starting point, possibly supplemented by other income-focused assets later.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard U.S. Quality Factor 0.13%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.09%

Total estimated costs are impressively low at around 0.09% per year. That means paying just $0.90 annually on every $1,000 invested, which is much lower than many active funds or blended solutions. Costs matter because they compound in reverse: every dollar not spent on fees can keep working for you over decades. The heavy use of low-cost Vanguard index ETFs is a clear positive, and even the higher-cost Avantis fund remains reasonable for a specialized strategy. This cost profile strongly supports better long-term performance and indicates a thoughtful approach to fee efficiency and implementation.

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