Globally diversified equity portfolio with strong value tilt and balanced exposure across company sizes

Report created on Apr 30, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is a 100% equity mix built entirely from broad index and factor ETFs. Roughly two thirds sits in total market funds, with global ex‑US stocks slightly larger than the US sleeve. The rest tilts toward specific styles: small-cap value in the US, international, and emerging markets, plus momentum strategies in both US large caps and developed international stocks. This structure blends simple “own the market” building blocks with targeted tilts toward certain characteristics. In practice, that means returns are driven by global stock markets overall, but performance can differ meaningfully from standard benchmarks when value, small caps, or momentum are in or out of favor.

Growth Info

From late 2021 to April 2026, a hypothetical $1,000 grew to $1,671, a compound annual growth rate (CAGR) of 11.99%. CAGR is like the average yearly “cruising speed” over the full period. This trailed the US market benchmark (13.22%) but slightly beat the global market benchmark (11.21%). The portfolio’s worst peak‑to‑trough drop was about -26%, very similar to the global benchmark and only slightly worse than the US market. It took roughly 16 months to fully recover, which is normal for an all‑stock mix. Overall, the history shows equity‑like growth with drawdowns in line with broad stock markets, and a modest tilt away from pure US‑only behavior.

Projection Info

The Monte Carlo results project many possible 15‑year paths by “re‑mixing” historical returns in thousands of random scenarios. It’s like running weather forecasts where each run is a different but plausible future. The median outcome turns $1,000 into about $2,852, which implies an annualized return around 8.3%, though individual paths vary widely. The middle half of simulations end between about $1,857 and $4,258, while more extreme 5–95% outcomes range from roughly flat to over eight times the starting value. About three‑quarters of simulations finish positive. These numbers are not promises: they’re statistical guesses based on the past, and real future returns can land outside even the modeled ranges.

Asset classes Info

  • Stocks
    100%

All of this portfolio sits in stocks, with no bonds, cash funds, or alternative assets. That creates a very clear risk/return profile: returns are fully tied to global equity markets, and there’s no built‑in cushion from fixed income or cash. Compared with a more mixed asset allocation, this structure typically offers higher long‑term growth potential but also sharper swings in value, especially during market stress. The “balanced” label here comes more from diversification within equities—across regions, sectors, and company sizes—rather than from mixing different asset classes. For someone tracking this portfolio, it’s helpful to remember that stability will come mainly from diversification, not from safer asset classes.

Sectors Info

  • Financials
    19%
  • Technology
    19%
  • Industrials
    15%
  • Consumer Discretionary
    10%
  • Basic Materials
    8%
  • Health Care
    7%
  • Energy
    6%
  • Telecommunications
    6%
  • Consumer Staples
    5%
  • Utilities
    3%
  • Real Estate
    2%

Sector exposure is broadly spread, with financials and technology each around 19%, and meaningful stakes in industrials, consumer areas, basic materials, health care, and energy. No single sector dominates in a way that crowds out others, and this pattern looks similar to broad global equity benchmarks. That alignment is a positive sign for diversification because shocks to any one part of the economy are less likely to overwhelm overall returns. At the margins, factor funds (value and momentum) can slightly reshape sector weights over time, but here the core broad‑market ETFs keep the big picture well‑balanced. This structure supports smoother behavior across different economic cycles.

Regions Info

  • North America
    41%
  • Europe Developed
    22%
  • Japan
    12%
  • Asia Developed
    9%
  • Asia Emerging
    8%
  • Australasia
    3%
  • Africa/Middle East
    3%
  • Latin America
    1%
  • Europe Emerging
    1%

Geographically, the portfolio is impressively global: about 41% in North America and 59% spread across developed Europe, Japan, other developed Asia, emerging Asia, Latin America, and Africa/Middle East. That’s closer to world market weights than many US‑heavy portfolios, which often have much higher North American concentration. This alignment with global equity distribution is a clear strength. It means company earnings and risks are tied to many different economies and currencies, rather than leaning heavily on a single region’s growth or policy environment. As a result, regional downturns may be partially offset by better conditions elsewhere, though global shocks will still affect the whole portfolio.

Market capitalization Info

  • Mega-cap
    33%
  • Large-cap
    27%
  • Mid-cap
    22%
  • Small-cap
    12%
  • Micro-cap
    4%

The mix across company sizes is well spread: roughly one third in mega‑caps, over a quarter in large‑caps, and the remainder across mid, small, and even a modest slice of micro‑caps. This is more size‑diversified than a pure large‑cap index and reflects the deliberate use of total‑market and small‑cap value funds. Smaller companies often behave differently from giants, sometimes lagging for stretches and then catching up strongly. That pattern can add both extra volatility and extra return potential over long horizons. Here, the spread across all size buckets adds another layer of diversification, so the portfolio doesn’t rely solely on the largest global names to drive performance.

True holdings Info

  • NVIDIA Corporation
    2.09%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    1.48%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.31%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Microsoft Corporation
    1.09%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    0.99%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    0.92%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    0.80%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    0.73%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Samsung Electronics Co Ltd
    0.51%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Meta Platforms Inc.
    0.50%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 10.42%

Looking through the ETFs’ top holdings, a handful of big global companies—NVIDIA, Apple, TSMC, Microsoft, Broadcom, Alphabet, Amazon, Samsung, and Meta—show up repeatedly. Together, just these names account for several percent of the portfolio, despite only using top‑10 data for each ETF, so true overlap is likely higher. This kind of “hidden concentration” is normal in global equity portfolios because many funds hold the same large winners. It means the portfolio will still be influenced by the fortunes of a relatively small set of mega‑cap leaders, even though it is broadly diversified by design. At the same time, the significant small‑cap exposure keeps it from being dominated entirely by them.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 100%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Neutral
Data availability: 100%
Yield
Preference for dividend-paying stocks
High
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 100%

Factor exposure here has a clear pattern. Value, yield, and low volatility all show high tilts, while size, momentum, and quality sit near neutral. Factors are like the underlying “traits” of stocks—such as being cheap (value) or stable (low volatility)—that research links to long‑term return and risk differences. A strong value tilt means the portfolio leans toward stocks trading at lower prices relative to fundamentals, which can underperform during growth or hype‑driven markets but often catch up over longer stretches. Higher yield suggests dividends play a larger role in total returns. The low‑volatility tilt points toward somewhat steadier names, which can soften drawdowns relative to a pure market‑cap portfolio.

Risk contribution Info

  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 38.00%
    37.2%
  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 25.00%
    25.5%
  • Avantis® International Small Cap Value ETF
    Weight: 15.00%
    15.2%
  • Avantis® Emerging Markets Value ETF
    Weight: 7.00%
    6.3%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 5.00%
    5.8%
  • Top 5 risk contribution 89.9%

Risk contribution shows how much each holding drives overall ups and downs, which can differ from its weight. Here, the top three funds—Vanguard Total International, Vanguard Total Stock Market, and Avantis International Small Cap Value—make up 78% of total portfolio risk, very close to their combined weight. Risk/weight ratios hover near 1, with only a mild uptick for the US small‑cap value ETF. That’s a sign of a well‑proportioned structure where no single fund is punching far above its size in terms of volatility. In practical terms, the portfolio’s day‑to‑day movement mainly reflects broad global equity behavior rather than a single highly volatile satellite position.

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.

The efficient frontier results show that, using these same funds, a different mix of weights could deliver a higher Sharpe ratio—meaning more return per unit of risk. The current portfolio has a Sharpe of 0.54, while the “optimal” version on the frontier reaches 1.0 at slightly higher risk and much higher expected return. The minimum‑variance mix offers a better Sharpe (0.72) with similar expected return and a bit less volatility. Being about 3.2 percentage points below the frontier at the current risk level suggests the existing blend is reasonably constructed but not mathematically “efficient.” In other words, there’s theoretical room to improve risk/return balance without adding new holdings.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.90%
  • Avantis® Emerging Markets Value ETF 3.00%
  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Invesco S&P International Developed Momentum ETF 3.60%
  • Invesco S&P 500® Momentum ETF 0.80%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 2.27%

The overall dividend yield comes in around 2.27%, higher than a typical broad US‑only index but in line with a global, value‑tilted mix. Yield is the annual cash paid out as dividends relative to the price, and it forms one component of total return alongside price changes. Several of the value and international funds show yields near 3% or more, while momentum and US growth‑leaning segments pay less. This means a noticeable slice of returns is expected to come from ongoing cash distributions rather than solely from price appreciation. Historically, reinvested dividends have been a significant driver of long‑term equity growth, though future payouts are never guaranteed.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® Emerging Markets Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Invesco S&P 500® Momentum ETF 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) 0.14%

The weighted average ongoing fee (Total Expense Ratio, or TER) is about 0.14%, which is impressively low for a portfolio that blends broad index funds with more specialized factor strategies. TER is the annual fund management cost taken out of assets; lower costs leave more of any gross return in the investor’s hands. Here, ultra‑low‑fee Vanguard core funds anchor the structure, while the Avantis and Invesco strategies charge somewhat higher but still moderate fees for their more targeted approaches. Overall, the cost level aligns well with best practices for diversified ETF portfolios and provides a solid foundation for compounding over long periods.

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