Growth tilted equity portfolio mixing large cap core with small value and momentum tilts

Report created on May 6, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is a concentrated all‑equity mix with five ETFs and a clear anchor position. Over half sits in a broad S&P 500 ETF, creating a large‑cap US core. The rest is split across US small‑cap value, international small‑cap value, and both US and international momentum strategies. That structure blends plain market exposure with more focused factor funds. Structurally, this means one holding largely steers the overall direction, while the others fine‑tune style tilts and risk. A setup like this is straightforward to monitor because there are few moving parts, yet it still introduces some complexity through the specialized small‑cap and momentum slices layered around the core.

Growth Info

From late 2019 to May 2026, $1,000 grew to about $2,686, a compound annual growth rate (CAGR) of 16.22%. CAGR is like average speed on a road trip, smoothing all the bumps into one yearly figure. Over this period the portfolio slightly beat the US market measure and more clearly outpaced the global market proxy. The worst peak‑to‑trough loss, or max drawdown, was about ‑36%, deeper than normal stock market swings but in line with a growthy equity mix. Results also depended heavily on a small cluster of strong days, which is typical for stock portfolios and highlights how missing a few big up days can matter a lot.

Projection Info

The Monte Carlo projection looks ahead 15 years by running 1,000 random “what‑if” paths based on historical behavior. Monte Carlo simulation basically scrambles past returns into many possible futures to see a range of outcomes instead of one single forecast. Here, the median path grows $1,000 to roughly $2,746, with a fairly wide band between weaker and stronger scenarios. About three‑quarters of simulations end above the starting amount, but some paths still lose money even over long periods. These results are educational, not promises: they assume the future behaves statistically like the past, which is never guaranteed. Still, the spread of numbers shows how an all‑equity, growth‑oriented mix can produce both strong upside and meaningful downside possibilities over long horizons.

Asset classes Info

  • Stocks
    100%

All of this portfolio sits in stocks, with no bonds, cash, or alternative assets. That creates a “pure equity” profile: returns mainly reflect how global companies perform, with little built‑in shock absorber during equity bear markets. In diversified multi‑asset portfolios, bonds or cash can sometimes cushion stock declines; that layer simply isn’t present here. The upside is straightforward exposure to equity risk premia, which historically have driven higher long‑term returns than more defensive assets. The trade‑off is that portfolio swings tend to be larger during market stress because everything is tied to one broad asset class. This all‑stock structure aligns with the growth classification and explains the higher risk score relative to more mixed portfolios.

Sectors Info

  • Technology
    22%
  • Financials
    16%
  • Industrials
    15%
  • Consumer Discretionary
    10%
  • Energy
    7%
  • Health Care
    7%
  • Telecommunications
    7%
  • Basic Materials
    6%
  • Consumer Staples
    4%
  • Utilities
    3%
  • Real Estate
    2%

Sector exposure is broad, with meaningful weights across technology, financials, industrials, consumer areas, and smaller allocations to energy, health care, telecom, materials, utilities, and real estate. Technology is the single largest slice but doesn’t dominate to an extreme degree, which keeps sector concentration in check compared with more narrowly focused strategies. A mix like this helps smooth out the impact of sector‑specific booms and slumps, because different parts of the economy tend to lead at different times. For example, tech‑heavy portfolios can be more sensitive to interest‑rate moves, while energy‑tilted mixes can swing with commodity prices. Here, the spread across many sectors suggests that performance is driven more by broad market and style effects than by any one industry storyline.

Regions Info

  • North America
    81%
  • Europe Developed
    10%
  • Japan
    5%
  • Africa/Middle East
    1%
  • Australasia
    1%
  • Asia Developed
    1%
  • Latin America
    1%

Geographically, the portfolio has a strong North American tilt at about 81%, with smaller slices in developed Europe and Japan and tiny exposures across other regions. That pattern is somewhat similar to a global stock index, which is also heavily weighted to the US, but this portfolio leans even more toward North America. Such concentration can be a positive when the US and Canadian markets outperform, as they have over several recent periods, but it also links the portfolio closely to the economic, political, and currency environment of one region. The international small‑cap value and developed‑market momentum funds add useful diversification, yet the overall picture remains clearly US‑centric rather than evenly global.

Market capitalization Info

  • Mega-cap
    31%
  • Large-cap
    24%
  • Mid-cap
    22%
  • Small-cap
    16%
  • Micro-cap
    7%

Market‑cap exposure ranges from mega‑caps all the way down to micro‑caps, with material weights in large, mid, and small segments. This is broader than a typical plain‑vanilla large‑cap index, which would be far more concentrated in mega and large companies. Including mid and small caps brings in firms that may grow differently from dominant giants and can behave differently over the cycle. It also tends to increase volatility because smaller companies’ share prices usually move more sharply. The micro‑cap allocation is relatively modest but still introduces a dose of higher‑risk, potentially higher‑reward names. Overall, the size distribution lines up with a growthy, factor‑aware equity strategy rather than a pure blue‑chip approach.

True holdings Info

  • NVIDIA Corporation
    4.17%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Apple Inc
    3.66%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    2.71%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    2.00%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    1.64%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    1.44%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    1.32%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Meta Platforms Inc.
    1.23%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Tesla Inc
    1.03%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
  • Berkshire Hathaway Inc
    0.86%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Top 10 total 20.07%

Looking through ETF top holdings, a handful of large US names show up with notable combined weights: NVIDIA, Apple, Microsoft, Amazon, Alphabet classes, Broadcom, Meta, Tesla, and Berkshire Hathaway. These are all accessed indirectly through the ETFs; there is no single‑stock held directly. Because only top‑10 ETF positions are used, real overlaps are likely higher than shown, so the apparent concentration in these mega‑cap leaders is probably understated. Hidden overlap matters because it means several funds may rise or fall together when these firms move, even if the ETF labels sound different. The benefit is that these widely followed companies have been key drivers of market returns, but they can also amplify swings if sentiment toward large US growth names shifts quickly.

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
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure shows one clearly notable tilt: value stands at 63%, which is above a neutral 50% reading and consistent with the explicit small‑cap value allocations. Factor exposure describes how much the portfolio leans into characteristics like value or momentum that research links to long‑term returns. A value tilt often means holding relatively cheaper stocks versus the broader market, which can help during periods when investors rotate away from expensive growth names, but it may lag during strong growth‑led rallies. Other factors, including size, momentum, quality, yield, and low volatility, cluster near neutral, suggesting the portfolio doesn’t strongly lean into or away from them. In practice, the factor story here is mainly about a deliberate, but not extreme, value emphasis.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 55.00%
    53.5%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 15.00%
    18.7%
  • Invesco S&P MidCap Momentum ETF
    Weight: 10.00%
    11.0%
  • Invesco S&P International Developed Momentum ETF
    Weight: 10.00%
    8.5%
  • Avantis® International Small Cap Value ETF
    Weight: 10.00%
    8.4%

Risk contribution shows how much each ETF drives overall ups and downs, which can differ from simple weights. The S&P 500 ETF is 55% of the portfolio and contributes about 53% of total risk, so its impact is roughly proportional. The US small‑cap value fund is 15% of assets but adds nearly 19% of risk, reflecting its higher volatility; its risk/weight ratio above 1 highlights this. The mid‑cap momentum slice also contributes a bit more risk than its weight, while the international factor funds contribute slightly less. Altogether, the top three positions account for over 80% of portfolio risk. That means changes in just a few holdings’ behavior matter most for the portfolio’s overall ride, even though diversification is better than owning a single ETF.

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 risk vs. return view plots the portfolio against an efficient frontier built from the same five holdings. The Sharpe ratio, which compares excess return to volatility, is 0.66 for the current mix, while both the maximum‑Sharpe and minimum‑variance combinations show around 0.85. Interestingly, the chart indicates the current allocation already sits on or very near the efficient frontier. That means, given just these ETFs, the weights are using them in an effective way for the chosen risk level. In plain terms, the portfolio gets a solid trade‑off between expected return and volatility without obvious inefficiencies that a different weighting of the same building blocks would easily fix. Any changes from here would be about preferences, not correcting a clear structural flaw.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.80%
  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Invesco S&P International Developed Momentum ETF 3.60%
  • Vanguard S&P 500 ETF 1.10%
  • Invesco S&P MidCap Momentum ETF 0.60%
  • Weighted yield (per year) 1.50%

The overall dividend yield is about 1.5%, with individual ETFs ranging from 0.6% to 3.6%. Dividends are the cash payouts companies make, and for stock portfolios they can form a meaningful slice of total return over decades, even when yields look modest. In this case, yield is clearly a secondary feature: the strategy leans more toward growth, small caps, and factor tilts than toward high income. The international small‑cap value and developed momentum funds contribute most of the income stream, while the mid‑cap momentum slice is the lowest yielder. This kind of profile tends to rely more on price appreciation than on cash distributions for overall results.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Vanguard S&P 500 ETF 0.03%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.15%

The weighted average ongoing fee, or TER, is about 0.15% per year. TER (Total Expense Ratio) is the annual cost charged by each ETF, expressed as a percentage of assets. In practice, that means roughly $1.50 a year per $1,000 invested, taken silently inside the funds. The largest holding, the S&P 500 ETF, is extremely inexpensive at 0.03%, which pulls the overall cost down. The more specialized Avantis and Invesco strategies are pricier, in the 0.25%–0.36% range, reflecting their more active, factor‑driven approaches. Overall, the blended cost is impressively low for a portfolio that goes beyond plain market tracking, which helps more of the portfolio’s gross return show up in your net results over time.

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