Growth focused global equity mix with strong value tilt and balanced income characteristics
Report created on Mar 29, 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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VT Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 47.76% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 23.13% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 16.42% -
VU Vanguard Growth Index Fund ETF Shares
VUG - US9229087369 12.69%
The portfolio is a simple four-ETF setup holding 100% stocks, with nearly half in a broad global fund, plus sizable allocations to a U.S. dividend ETF, a U.S. small-cap value ETF, and a U.S. growth ETF. This structure combines global market coverage with targeted tilts toward dividends, value, and growth. That mix creates a clear growth orientation while still bringing in some income and factor diversification. Being fully in equities means higher long-term return potential but also sharper ups and downs. The key takeaway: this is a straightforward, equity-only structure that leans growthy and factor-aware, and it relies on time in the market rather than frequent trading or complex satellite positions.
Growth
From late 2019 to March 2026, $1,000 grew to about $2,198, a compound annual growth rate (CAGR) of 12.91%. CAGR is like your average speed on a long trip, smoothing out bumps along the way. The portfolio slightly lagged the U.S. market but beat the global market, which is a solid outcome given its world exposure. The max drawdown of -35.47% shows the kind of hit it took in the worst period, similar in depth to major equity benchmarks. That level of drawdown is normal for a growth-tilted stock portfolio. The main message: returns have been robust, with volatility very much in line with what you’d expect from an aggressive equity allocation.
Asset classes
- Stocks 100%
All assets are in stocks, with no bonds, cash, or alternatives. That’s a classic growth-oriented design: maximum exposure to long-term equity returns, minimal built-in shock absorbers for big market drops. Historically, stocks have delivered higher returns than bonds over long horizons but with larger and more frequent drawdowns. Having 100% in equities means portfolio value can swing sharply in recessions or crises. The upside is simplicity and strong return potential; the trade-off is the need for a long time horizon and emotional resilience. A general takeaway: such an allocation tends to fit investors who can ride through deep, temporary losses without needing to sell for cash.
Sectors
- Technology 23%
- Financials 15%
- Industrials 11%
- Consumer Discretionary 11%
- Health Care 10%
- Energy 9%
- Telecommunications 8%
- Consumer Staples 8%
- Basic Materials 3%
- Real Estate 1%
- Utilities 1%
Sector exposure is fairly balanced overall, with technology leading at 23% but not overwhelmingly so, and solid weights in financials, industrials, consumer segments, health care, and energy. This looks reasonably close to broad equity benchmarks, which is a strong indicator of decent diversification across economic drivers. A tech tilt often boosts growth potential but can feel bumpier when interest rates rise or when sentiment shifts away from high-growth names. Meanwhile, exposure to defensive areas like consumer staples and utilities is modest, meaning less built-in cushion in severe downturns. Overall, the sector mix supports growth while still spreading risk across many parts of the economy, which is a healthy structure.
Regions
- North America 82%
- Europe Developed 7%
- Japan 3%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 1%
- Latin America 1%
- Africa/Middle East 1%
Geographically, the portfolio is heavily tilted toward North America at 82%, with relatively small allocations to Europe, Japan, and other regions. This resembles many global benchmarks that are dominated by U.S. stocks, but the U.S. tilt here is particularly strong. A big North America weight has helped in recent years because U.S. markets have outperformed much of the world. The flip side is higher sensitivity to U.S.-specific risks like domestic policy changes, currency shifts, or sector bubbles. Underweights in other regions mean less benefit if non-U.S. markets lead over the next decade. The structure makes sense but relies on the continued strength of North American equities.
Market capitalization
- Large-cap 34%
- Mega-cap 29%
- Mid-cap 15%
- Small-cap 12%
- Micro-cap 8%
Market cap exposure is nicely spread: 29% mega‑cap, 34% large‑cap, 15% mid‑cap, 12% small‑cap, and even 8% micro‑cap. That’s broader than many portfolios which cluster heavily in mega and large companies. Smaller stocks tend to be more volatile but have historically delivered higher returns over very long periods, especially when combined with a value focus. Having meaningful mid, small, and micro exposure increases diversification across company sizes and business models. The trade-off is that drawdowns can be sharper in market panics, as smaller names often get hit harder. Overall, this size mix supports a growth orientation and reflects a thoughtful embrace of the full equity spectrum.
True holdings
-
NV NVIDIA Corporation 3.42%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
AA Apple Inc 3.21%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
MS Microsoft Corporation 2.42%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.51%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
AM Amazon.com Inc 1.43%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.21%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.17%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
AV Broadcom Inc 1.14%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
CV Chevron Corp 1.05%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
CO ConocoPhillips 0.95%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
- Top 10 total 17.50%
Looking through the ETFs, there’s meaningful overlap in the largest U.S. names: NVIDIA, Apple, Microsoft, Alphabet, Amazon, and Meta together form a noticeable slice of total exposure. This happens because broad global and U.S. growth funds often hold the same mega-cap leaders. Overlap is not bad by itself, but it creates hidden concentration: if those giants stumble together, the portfolio feels it in multiple places at once. Since this only uses ETF top-10 holdings, actual overlap is likely higher. The practical takeaway: the portfolio still leans heavily on a small group of dominant companies for a chunk of its equity growth engine.
Factors
Factor exposure shows a clear tilt toward value at 63%, with other factors around neutral. Factors are like underlying “traits” of stocks—value, size, momentum, quality, low volatility, and yield—that research has linked to long-term returns. A mild value tilt means the portfolio leans a bit more toward companies priced cheaply relative to fundamentals than the overall market. Historically, value has gone through long cycles of under- and outperformance, so patience is key. The neutral readings in momentum, quality, yield, and low volatility suggest behavior fairly similar to the broad market on those dimensions. This combination can shine when cheaper stocks are in favor, while lagging in strong growth-led rallies.
Risk contribution
-
Vanguard Total World Stock Index Fund ETF Shares
Weight: 47.76% 45.2% -
Avantis® U.S. Small Cap Value ETF
Weight: 16.42% 21.1% -
Schwab U.S. Dividend Equity ETF
Weight: 23.13% 20.1% -
Vanguard Growth Index Fund ETF Shares
Weight: 12.69% 13.6%
Risk contribution highlights how much each ETF drives the portfolio’s ups and downs, which can differ from simple weights. The total world ETF is nearly half the weight and contributes a similar share of risk, so its behavior largely sets the tone. The small-cap value ETF, at 16.42% weight but over 21% of risk, punches above its size because smaller, cheaper stocks tend to be more volatile. The dividend ETF adds stability, contributing slightly less risk than its weight. Top three positions driving over 86% of risk is normal for a compact portfolio but shows where volatility is coming from. Adjusting these weights would meaningfully change overall risk feel.
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 0.62, below both the minimum variance portfolio (0.66) and the optimal max‑Sharpe portfolio (0.73). The Sharpe ratio compares return to volatility; higher means better reward for each unit of risk taken. Because the current setup sits about 1.25 percentage points below the efficient frontier at its risk level, there’s room to improve using just the existing holdings. Reweighting toward the optimal mix could nudge expected return up to around 16.06% at similar risk, or slightly reduce risk while keeping return close. The positive takeaway: the building blocks are strong; fine‑tuning weights could make them work even harder together.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.40%
- Schwab U.S. Dividend Equity ETF 2.60%
- Vanguard Total World Stock Index Fund ETF Shares 1.80%
- Vanguard Growth Index Fund ETF Shares 0.30%
- Weighted yield (per year) 1.73%
The overall yield of about 1.73% blends a higher‑yield U.S. dividend fund at 2.6% with more growth‑oriented ETFs that pay less, especially the 0.3% growth ETF. Dividend yield is the annual cash payout as a percentage of the current price, and it can be a meaningful part of total return over time. This setup aims for a modest but steady income stream while keeping plenty of exposure to companies reinvesting profits for growth. For investors reinvesting dividends, this contributes to compounding. For those drawing some cash, the yield supports small withdrawals without fully relying on selling shares in normal markets.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Schwab U.S. Dividend Equity ETF 0.06%
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- Vanguard Growth Index Fund ETF Shares 0.04%
- Weighted costs total (per year) 0.09%
Total ongoing costs are impressively low at about 0.09% per year, thanks to ultra-low expense ratios on the Vanguard and Schwab funds and only a modest fee on the small‑cap value ETF. The Total Expense Ratio (TER) is like a yearly membership fee charged by the funds; every dollar not paid in fees stays invested and compounds. Over decades, the difference between 0.09% and, say, 0.5% or 1% can add up to many thousands of dollars. This cost profile is a real strength and very much in line with best practices for long-term investing, directly supporting better net performance.
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