Quietly competent index junkie with a tiny factor flair and a bad case of benchmark envy
Report created on Jul 7, 2026Risk profile
5/7
Diversification profile
4/5
Positions
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VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 52.75% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 44.12% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 3.13%
This portfolio is basically two giant index blobs with a single quirky side quest. Over half parked in global ex‑US, almost the rest in total US, and then a 3% “I read one blog on factor investing” bet in small-cap value. Structurally it’s boring in a very deliberate way: two engines doing almost all the work and one decorative hood ornament. The upside is it’s not pretending to be clever while secretly being chaos. The downside is it also isn’t trying very hard to be distinctive. It’s like ordering plain black coffee and then adding one drop of artisanal syrup and calling it a signature drink.
Growth
Historically, this thing did fine but not thrilling: $1,000 became $2,351 with a 13.5% CAGR, which sounds good until the US market flexes at 16.28% and walks away with the trophy. Even the global market edged it by a bit. Max drawdown at -34.8% was basically as painful as the benchmarks, so it took the hit without getting the extra upside. And 90% of your gains came from just 20 days, which is standard for equities but still mildly terrifying. Past performance here says “you didn’t mess up,” but it also says “you left some return on the table for no obvious reduction in pain.”
Projection
The Monte Carlo simulation says the future is… shrug emoji. Median outcome turns $1,000 into about $2,807 over 15 years, but the range swings from “you barely broke even” at $991 to “you nailed it” at $8,357. Monte Carlo is basically rolling financial dice a thousand times using past volatility and returns as a guide, so it’s more weather forecast than prophecy. The good news: about 74% of simulations end positive, and the average return of 8.36% is respectable. The catch is that the possible outcomes are wildly spread, which is what happens when everything is in stocks and nothing ever taps the brakes.
Asset classes
- Stocks 100%
Asset class breakdown is aggressively simple: 100% stocks, 0% anything else. No bonds, no cash buffer, no alternatives — just full-send equity mode. That matches the “growth” label, but it also means there’s literally nothing in here whose primary job is to be boring when markets lose their mind. Asset classes are like a band: you’ve hired only lead guitarists and told them to all solo at once. When it works, great. When it doesn’t, there’s no drummer to keep the beat or bassist to stop the whole thing from turning into noise.
Sectors
- Technology 25%
- Financials 18%
- Industrials 13%
- Consumer Discretionary 9%
- Health Care 8%
- Telecommunications 7%
- Basic Materials 5%
- Consumer Staples 5%
- Energy 5%
- Utilities 3%
- Real Estate 2%
Sector-wise, this is a stealth tech-and-finance fan club hiding behind the word “total.” Tech at 25% and financials at 18% put over two-fifths of the portfolio in two economically sensitive areas before anything more exciting even shows up. The rest is a reasonable spread across industrials, consumer names, and the usual filler sectors. For a broad index setup, the tilt is still very much toward the parts of the economy that party hard in good times and catch a cold early in bad ones. It’s diversified by label, but under the hood it still has a clear taste for cyclical adrenaline.
Regions
- North America 52%
- Europe Developed 19%
- Asia Developed 9%
- Japan 8%
- Asia Emerging 7%
- Australasia 2%
- Africa/Middle East 2%
- Latin America 1%
Geographically this thing actually behaves like it knows the world exists beyond the US, which is rare. About 52% in North America and 48% scattered sensibly across Europe, Japan, and other regions is surprisingly grown‑up for a simple index mix. This is one of those cases where the roast kind of backfires: the allocation is more globally aware than many sprawling “diversified” portfolios. The flip side is you’re willingly giving up some US-dominance juice; that’s why the performance lags the US market. This is what happens when you invest like a geography teacher instead of a flag‑waving homer.
Market capitalization
- Mega-cap 43%
- Large-cap 29%
- Mid-cap 17%
- Small-cap 6%
- Micro-cap 3%
Market cap exposure is textbook: 43% mega, 29% large, 17% mid, with a token 9% in small and micro once everything’s added up. So despite that small-cap value ETF cameo, the portfolio still behaves like a big‑company popularity contest. Mega-caps naturally hog the stage here — think global giants that already won, not scrappy upstarts. That means smoother behavior than a real small‑cap tilt, but also less punch if smaller names ever have their day in the sun. Overall, it’s like saying you “support indie bands” but 90% of your playlist is still stadium tours.
True holdings
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NV NVIDIA Corporation 2.96%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc. 2.78%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 2.08%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
MS Microsoft Corporation 2.03%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.59%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.35%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.28%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
SS Samsung Electronics Co Ltd 1.14%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.05%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
00 SK Hynix Inc 0.98%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 17.24%
Look-through holdings show the usual suspects dominating: Nvidia, Apple, Microsoft, Amazon, Alphabet, TSMC, Broadcom, Samsung, SK Hynix. Translation: this “broad market” setup is totally fine with a handful of megacap tech and chip names quietly steering the ship. Overlap is only measured from ETF top‑10s, so the real duplication is definitely higher than it looks. The portfolio isn’t dangerously concentrated, but it’s absolutely leaning on the same global darlings in both US and international sleeves. It’s less “three ETFs” and more “one giant love letter to the world’s largest tech‑adjacent corporations.”
Factors
Factor-wise, this thing is hilariously normal. Value, size, momentum, quality, and yield are all basically sitting near market levels, so there’s no obvious secret preference leaking through. The only mild statement is a higher tilt toward low volatility at 62%, which means it quietly leans a bit toward the “less drama” crowd within stocks. Factor exposure is like the ingredient label of your portfolio, and this one reads like a standard recipe with just a pinch of chill. The tiny small-cap value ETF barely moves the needle, so it’s more aesthetic choice than actual factor conviction.
Risk contribution
-
Vanguard Total International Stock Index Fund ETF Shares
Weight: 52.75% 50.5% -
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 44.12% 45.6% -
Avantis® U.S. Small Cap Value ETF
Weight: 3.13% 3.9%
Risk contribution is exactly as simple as the weights: the two big Vanguard funds supply basically all the drama, with international and US each pulling roughly their proportional share. The small-cap value ETF, despite its reputation, only contributes 3.85% of total risk on a 3.13% weight — punching slightly above its size but nowhere near “troublemaker” status. Risk contribution measures which positions are actually moving the volatility needle, and here the message is: the sideshow is not the problem. If something goes wrong, it’s happening in the big boring index sleeves, not in the spicy 3% garnish.
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, this portfolio actually behaves like it’s done its homework. It sits on or very near the efficient frontier, which is the curve showing the best possible return for each risk level given the current ingredients. The Sharpe ratio of 0.55 trails the max‑Sharpe version at 0.77, but that higher point also comes with more risk. Given the constraint of only using these three funds, the current mix is pretty efficient. Annoyingly competent, in fact. This is not a case of “random weights sabotaging performance” — more like a deliberate, slightly conservative compromise.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.50%
- Weighted yield (per year) 1.80%
The overall dividend yield of 1.8% is a gentle background hum, not a main feature. International stocks do most of the lifting at 2.5%, while the US sleeve and small-cap value sit closer to 1–1.3%. For an all‑equity portfolio, that’s a modest, normal number: enough to notice, not enough to live on. Dividends here are more like a side salad — nice, possibly healthy, but not why the plate was ordered. And because the profile isn’t chasing high yield, it avoids the usual trap of loading up on slow, fragile names just to see a bigger cash number.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- 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) 0.05%
Costs are the part where this portfolio basically refuses to be roasted. A total TER of 0.05% is impressively stingy — that’s “found the institutional menu” cheap. The tiny factor tilt via Avantis at 0.25% barely nudges the blended cost thanks to its minuscule weight. Paying 0.05% a year for global equity exposure is like getting a full gym for the price of one yoga class. At this fee level, the main risk isn’t costs eating returns; it’s the owner getting bored and tinkering with something objectively worse. Fees are under control — almost suspiciously so.
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