Growth focused global stock portfolio tilted to small value and semiconductors
Report created on Apr 27, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 40.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 25.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 25.00% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 10.00%
This portfolio is a four‑fund, 100% stock mix with a clear growth orientation. About 40% sits in a broad U.S. total market fund, 25% in a dedicated U.S. small‑cap value ETF, 25% in a broad international stock ETF, and 10% in a semiconductor ETF. So there’s a core of diversified global stocks, with deliberate tilts toward smaller, cheaper U.S. companies and a focused technology theme. A setup like this often aims to keep a simple core while adding targeted “satellites” for extra return potential. The overall structure is straightforward and easy to understand, which can help with monitoring and staying consistent through market ups and downs.
Growth
Over the period from late 2019 to April 2026, $1,000 in this portfolio grew to about $3,054. That translates to a Compound Annual Growth Rate (CAGR) of 18.55%, compared with 15.84% for the U.S. market and 13.32% for the global market. CAGR is like average speed on a long road trip — it smooths out the bumps to show typical yearly growth. The portfolio also had a slightly deeper maximum drawdown (-37.01%) than the benchmarks during the early‑2020 crash. This combination — higher long‑term return with somewhat sharper drops — is pretty consistent with a growth‑oriented, equity‑only setup that leans into smaller and more cyclical companies.
Projection
The Monte Carlo projection looks at many possible futures using past risk and return patterns as a guide. It re‑rolls the “dice” 1,000 times over 15 years to see where a $1,000 investment might end up. The median outcome is about $2,667, with a typical middle range between roughly $1,812 and $4,043. Monte Carlo doesn’t predict a single outcome; it shows a spectrum of what could happen if markets behave somewhat like the past. Importantly, even the 5th–95th percentile range is very wide, from about $953 to $7,684, underlining that stock‑only portfolios can both disappoint and surprise on the upside, depending on how future markets play out.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% allocated to bonds, cash, or alternatives. Stocks historically offer higher expected returns than safer assets, but they also swing more in the short term. Having 100% in equities means the portfolio is fully exposed to equity market cycles, both good and bad. There’s no built‑in cushion from bonds to smooth out sharp downturns. The upside is simplicity: one major asset class is easy to follow and analyze. The trade‑off is that any risk reduction has to come from diversification within stocks — across size, style, geography, and sector — rather than from mixing stocks with fundamentally different asset types.
Sectors
- Technology 28%
- Financials 17%
- Industrials 11%
- Consumer Discretionary 11%
- Energy 7%
- Health Care 7%
- Telecommunications 6%
- Consumer Staples 4%
- Basic Materials 4%
- Utilities 2%
- Real Estate 2%
Sector‑wise, the portfolio is led by Technology at 28%, followed by Financials (17%), Industrials (11%), and Consumer Discretionary (11%). The remaining sectors are more modestly represented, from Energy and Health Care at 7% each down to Utilities and Real Estate at 2% each. A tech weight around the high‑20s is broadly in line with many global equity benchmarks, but the dedicated semiconductor ETF adds an extra tilt within that segment. Tech‑heavy and cyclical exposures like semiconductors and financials often do well when growth expectations and risk appetite are strong, but can be more volatile when interest rates rise or economic conditions soften, so day‑to‑day moves may feel punchy.
Regions
- North America 75%
- Europe Developed 10%
- Asia Developed 5%
- Japan 4%
- Asia Emerging 4%
- Australasia 1%
- Latin America 1%
- Africa/Middle East 1%
Geographically, about 75% of the portfolio is in North America, with 10% in developed Europe, 5% in developed Asia, 4% in Japan, and smaller slices across emerging Asia, Latin America, Australasia, and Africa/Middle East. This is a clear U.S. and North America tilt relative to a global market index, which usually has closer to 60% U.S. exposure. The presence of a broad international fund does bring in meaningful non‑U.S. diversification, including both developed and emerging economies. That mix helps reduce reliance on a single region’s economic and political cycle, even though the biggest driver of portfolio behavior is still North American equity markets.
Market capitalization
- Mega-cap 32%
- Large-cap 25%
- Small-cap 17%
- Mid-cap 13%
- Micro-cap 12%
By market cap, the portfolio spans the full spectrum: 32% in mega‑caps, 25% in large‑caps, 13% in mid‑caps, 17% in small‑caps, and 12% in micro‑caps. This is a much stronger tilt toward smaller companies than a typical total‑market index, mainly due to the dedicated small‑cap value ETF. Smaller firms tend to be more volatile day‑to‑day but have historically offered higher long‑run return potential in many markets. Combining mega‑caps with a sizable small and micro‑cap slice creates a barbell structure where very stable giants coexist with more sensitive, higher‑beta names, which can amplify both the portfolio’s upside in good times and its drawdowns when sentiment sours.
True holdings
-
NV NVIDIA Corporation 4.35%
Part of fund(s):- VanEck Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 2.37%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.77%
Part of fund(s):- VanEck Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 1.75%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.28%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Taiwan Semiconductor Manufacturing 1.07%
Part of fund(s):- VanEck Semiconductor ETF
-
GO Alphabet Inc Class A 1.06%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.86%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 0.84%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.80%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 16.15%
Looking through to the top holdings of the ETFs, NVIDIA stands out at about 4.35% of the total portfolio, with Apple, Broadcom, Microsoft, Amazon, TSMC, Alphabet, and Meta also featuring meaningfully. These names appear through multiple funds, especially the broad U.S. and international ETFs plus the semiconductor ETF. Because only top‑10 ETF holdings are used, overlap is likely understated, but we can already see some hidden concentration in large technology and semiconductor companies. When the same stock appears in several funds, its influence on performance and risk becomes larger than any single fund’s weight suggests, meaning news around those big tech names can significantly sway overall portfolio returns.
Factors
On factors, the portfolio shows high exposure to Value (61%) and Size (65%), with the other factors — Momentum, Quality, Yield, and Low Volatility — all around neutral. Factor exposure is like checking what “traits” dominate the portfolio; here, there’s a clear lean toward cheaper, smaller companies compared with the broad market. Historically, value and small‑cap factors have often rewarded investors over long horizons, but they can go through long dry spells and sharper swings. Neutral readings on momentum, quality, yield, and low volatility mean the portfolio behaves fairly similarly to the overall market on those dimensions, so the standout signature is really that small‑cap value tilt.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 40.00% 36.8% -
Avantis® U.S. Small Cap Value ETF
Weight: 25.00% 29.6% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 25.00% 19.8% -
VanEck Semiconductor ETF
Weight: 10.00% 13.9%
Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ a lot from its weight. The U.S. total market ETF is 40% of the portfolio and contributes about 36.75% of risk, slightly under its weight. The small‑cap value ETF is 25% by weight but adds nearly 29.55% of risk, while the 10% semiconductor position contributes about 13.91% of risk. A risk/weight ratio above 1, like for the small‑cap and semiconductor funds, indicates that per dollar invested they add more volatility than the average holding. The top three positions together account for over 86% of total risk, showing risk is fairly concentrated in the core funds.
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 analysis compares different mixes of these same four ETFs. Your current portfolio has a Sharpe ratio of 0.65, while the optimal (highest Sharpe) mix reaches 1.07, and the minimum‑variance mix sits at 0.62. The Sharpe ratio measures return per unit of volatility — like how much “miles per gallon” you get for each unit of risk. The current allocation sits about 1.54 percentage points below the frontier at this risk level, meaning that, historically, reweighting only these existing funds could have produced a better risk/return balance. Still, it’s not massively off; the structure already delivers strong returns relative to the risk taken.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- VanEck Semiconductor ETF 0.20%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.48%
The overall dividend yield of the portfolio is about 1.48%. That’s a blend of lower‑yielding growth and tech exposure — like the semiconductor fund at 0.20% — with somewhat higher‑yielding holdings such as the international ETF at 2.80% and the small‑cap value ETF at 1.30%. Dividends are the cash payments investors receive from companies, and over long periods they can be an important part of total return, especially when reinvested. In this setup, most of the expected return is likely to come from price appreciation rather than income. This lines up with the growth‑oriented, equity‑heavy character of the portfolio rather than an income‑focused approach.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- VanEck Semiconductor ETF 0.35%
- 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) 0.12%
The weighted ongoing cost (TER) of the portfolio is low at about 0.12% per year. The broad Vanguard funds are especially inexpensive at 0.03% and 0.05%, while the small‑cap value and semiconductor ETFs are a bit higher but still moderate at 0.25% and 0.35%. TER, or Total Expense Ratio, is the annual fee the funds charge, taken directly out of returns. Over decades, even small fee differences can compound into meaningful amounts. In this case, the costs are impressively low for an actively tilted, global equity mix, which supports better long‑term performance by leaving more of any market gains in the portfolio rather than in fund expenses.
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