Diversified multi cap global equity portfolio with a clear tilt toward value and small companies
Report created on Jul 12, 2026Risk profile
4/7
Diversification profile
5/5
Positions
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SP State Street® SPDR® Portfolio S&P 500® ETF
SPYM - US78464A8541 60.00% -
AV Avantis International Large Cap
AVIV - US0250723642 15.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 10.00%
This portfolio is a straightforward four‑ETF global stock mix, with about 60% in a broad US large‑cap fund and 40% split across international large and small‑cap value strategies. Structurally, it leans heavily on one simple “core” holding, with the other three ETFs adding diversification by region, size, and style. A buy‑and‑hold assumption means the weights can drift over time as markets move, so the current 60/40 split between the S&P 500 ETF and the rest will change if some areas grow faster than others. Overall, this is a compact but highly diversified equity setup, where most behaviour is driven by global stock markets rather than cash or bonds.
Growth
From late 2021 to mid‑2026, a $1,000 investment grew to about $1,860, which is a compound annual growth rate (CAGR) of 13.94%. CAGR is the “average speed” of growth per year, smoothing out the bumps. Over this period, returns were almost identical to the US market benchmark and noticeably ahead of the global market benchmark. The portfolio’s worst drop, or max drawdown, was about -23.7%, slightly less severe than both benchmarks, and it took around ten months to recover. That combo of benchmark‑like returns with a marginally smaller drawdown suggests the mix has held up well in a pretty volatile stretch, though of course past results don’t lock in future outcomes.
Projection
The Monte Carlo projection uses the portfolio’s historical behaviour to simulate 1,000 possible future paths over 15 years. Think of it as running the same 15‑year experiment many times, each with different random market wiggles, to see a range of potential outcomes. The median scenario turns $1,000 into about $2,900, with most outcomes falling between roughly $1,900 and $4,300, and a wide “possible” band from about $1,000 to $7,200. The average simulated return is about 8.15% per year, and 78% of simulations finish positive. These numbers are illustrations, not promises, since future markets can behave very differently from the recent past.
Asset classes
- No data 60%
- Stocks 40%
The asset‑class view shows 40% clearly tagged as stocks and 60% in a “no data” bucket, which here mainly reflects missing classifications rather than a different type of investment. Because the underlying ETFs are broad equity funds, the economic reality is that this is effectively a 100% stock portfolio, even if the data labels don’t fully capture that. Fully equity‑based portfolios tend to have higher long‑term growth potential but also larger short‑term swings than mixes that include bonds or cash. The key takeaway is that ups and downs here are expected to track global stock markets, not be dampened by fixed income.
Sectors
- Financials 10%
- Industrials 7%
- Consumer Discretionary 6%
- Energy 5%
- Basic Materials 4%
- Technology 2%
- Health Care 2%
- Consumer Staples 2%
- Telecommunications 1%
Sector data for the equity portion shows exposure spread across financials, industrials, consumer areas, energy, materials, technology, health care, staples, and telecoms, with no single sector dominating. Compared with typical global indices where technology is often the standout weight, this mix looks more evenly distributed and less tech‑heavy in the reported slice. Sector balance matters because different parts of the economy lead at different times; a portfolio that isn’t overly tied to one theme is less dependent on any single industry’s fortunes. Here, the sector spread in the visible data supports the overall diversification story, even though it doesn’t cover every underlying holding.
Regions
- North America 18%
- Europe Developed 12%
- Japan 6%
- Australasia 2%
- Asia Developed 1%
- Africa/Middle East 1%
On the geographic side, the reported breakdown highlights meaningful stakes across North America, developed Europe, Japan, Australasia, developed Asia, and a small allocation to Africa/Middle East. The presence of several world regions means the portfolio isn’t overly reliant on one local economy or currency in this part of the data. Compared with a pure US‑only approach, this is more globally balanced, echoing major world equity benchmarks that give substantial weight to non‑US markets. Geographic diversification helps when different regions go through their own economic cycles at different times, potentially smoothing the ride compared with being tied to a single country.
Market capitalization
- Small-cap 11%
- Mid-cap 9%
- Micro-cap 8%
- Mega-cap 6%
- Large-cap 6%
Market‑cap data shows exposure across the full size spectrum: micro‑cap, small‑cap, mid‑cap, large‑cap, and mega‑cap companies all feature. Notably, the small and micro segments together form a clear chunk, reflecting the dedicated small‑cap value ETFs. Company size matters because smaller firms often move more sharply than giants, both on the upside and downside. Blending large and mega‑cap leaders with smaller, more nimble businesses can add return potential but also some extra volatility. This portfolio’s spread by size means it captures both the stability of bigger companies and the growth and value opportunities further down the size range.
True holdings
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NV NVIDIA Corporation 4.50%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
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AA Apple Inc. 3.95%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
MS Microsoft Corporation 2.57%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
AM Amazon.com Inc 2.17%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
GO Alphabet Inc Class A 1.95%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
AV Broadcom Inc 1.66%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
GO Alphabet Inc Class C 1.55%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
MU Micron Technology Inc 1.21%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
ME Meta Platforms Inc. 1.15%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
TS Tesla Inc 1.10%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- State Street® SPDR® Portfolio S&P 500® ETF
- Top 10 total 21.81%
The look‑through holdings list shows the largest underlying names are big, well‑known US technology and growth companies like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and others, mostly coming via the S&P 500 ETF. Collectively, the top ten underlying positions still make up only a modest slice of the total portfolio, and each individual company remains a relatively small piece. That points to broad diversification even at the “company” level. There is some overlap where the same mega‑cap shows up in more than one ETF, which is normal for index‑based building blocks. Because only ETF top‑10s are used, any hidden concentration outside these names will be understated.
Factors
Factor exposure shows a clear tilt toward value at 66%, meaning the portfolio leans more than the broad market toward stocks trading at lower prices relative to fundamentals. Factor exposure is like checking what “style ingredients” are baked in — value, momentum, quality, and so on. A value tilt often behaves differently from growth‑heavy portfolios: it may lag in strong growth booms but can hold up relatively better when investors shift back toward more reasonably priced companies. The other factors — size, momentum, quality, yield, and low volatility — are all around neutral. That suggests the main distinct feature here is value orientation, while the rest of the style profile is fairly market‑like.
Risk contribution
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State Street® SPDR® Portfolio S&P 500® ETF
Weight: 60.00% 60.0% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 17.8% -
Avantis International Large Cap
Weight: 15.00% 13.2% -
Avantis® International Small Cap Value ETF
Weight: 10.00% 9.0%
Risk contribution shows how much each ETF 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 almost exactly 60% of the risk, so its influence on volatility matches its size. The US small‑cap value ETF is 15% by weight but about 18% of risk, showing that it adds a bit more “choppiness” than its share. The international large and small‑cap funds each contribute slightly less risk than their weights. Taken together, the top three holdings drive about 91% of total portfolio risk, so the S&P 500 and US small‑cap value funds are key to how the portfolio feels day to day.
Redundant positions
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High correlationAvantis International Large CapAvantis® International Small Cap Value ETF
The correlation view highlights that the international small‑cap value ETF and the international large‑cap ETF have moved almost identically in recent history. Correlation measures how often assets move together; a value near one means they tend to rise and fall at similar times. High correlation doesn’t make either fund “bad,” but it does mean they behave more like a single combined international block from a risk perspective. That limits how much diversification you get between those two specific positions, even though they still diversify the US core. In contrast, the US and non‑US funds generally offer more differentiated behaviour over time.
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 chart compares the current mix with the best possible combinations using the same four ETFs. The Sharpe ratio — a measure of return per unit of risk after adjusting for the risk‑free rate — is 0.64 for the current portfolio, while the maximum‑Sharpe and minimum‑variance portfolios reach around 0.85–0.86 with similar returns and slightly lower risk. Importantly, the report notes that the current allocation sits on or very near the frontier, meaning it’s already an efficient use of these building blocks. In plain terms, given these four ETFs, there isn’t a glaringly better risk/return combination from simple reweighting alone.
Dividends
- Avantis® International Small Cap Value ETF 2.80%
- Avantis International Large Cap 2.50%
- Avantis® U.S. Small Cap Value ETF 1.30%
- State Street® SPDR® Portfolio S&P 500® ETF 1.00%
- Weighted yield (per year) 1.45%
The portfolio’s total dividend yield is about 1.45%, with higher yields coming from the international value‑oriented ETFs and lower yields from the S&P 500 and US small‑cap value funds. Dividend yield is the annual cash payout as a percentage of price, like interest on a savings account but not guaranteed and with a fluctuating underlying value. Here, most of the expected return is driven by price changes rather than income. That’s common for broad equity portfolios, especially those holding growth and smaller companies. Over time, reinvested dividends can still contribute meaningfully to total returns, even if the starting yield looks modest compared to more income‑focused strategies.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis International Large Cap 0.25%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Weighted costs total (per year) 0.11%
The total ongoing cost (TER) of the portfolio is very low at about 0.11% per year, despite some individual ETFs charging between 0.25% and 0.36%. TER, or Total Expense Ratio, is the annual fee taken by the funds to cover management and operating costs. Keeping overall costs down is a quiet but powerful advantage because fees come off every single year, regardless of market performance, and compound over time. For a diversified, factor‑tilted global equity mix, this aggregate cost level is impressively low and aligns well with best practices for cost‑conscious investing. It means more of the portfolio’s gross returns stay in the investor’s hands.
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