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Solid factor nerd portfolio that still manages to leave free returns rotting on the table

Report created on Mar 27, 2026

Risk 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

This portfolio is basically “three-fund Boglehead” that went down a YouTube factor rabbit hole and never came back. There’s a sensible core in the broad US and international funds, then two chunky small-cap value bets and a quality tilt bolted on. It’s not chaos, but it’s aggressively themed: 100% stocks, heavy factor tilts, zero ballast. Simple is good, but this is simple with a very specific personality, like ordering plain pizza and then dumping an entire bottle of hot sauce on it. Takeaway: the structure is coherent but very one-note; if stability or flexibility matters, this is more pedal-to-the-metal than all-weather.

Growth Info

Historically, this thing did pretty well: $1,000 grew to about $2,110, with a 13.5% CAGR. CAGR (Compound Annual Growth Rate) is basically your average speed on a long trip after all the traffic jams. You slightly trailed the US market (14.38%) but comfortably beat the global market (11.92%), so you’re not a clown, just not top of the class either. The -37.4% max drawdown vs about -33% for the benchmarks says you signed up for a bit more pain in crashes for mixed extra return. And needing just 17 days for 90% of gains shows classic “miss a few good days and cry later” behavior. Past data is yesterday’s weather: useful, not prophetic.

Asset classes Info

  • Stocks
    100%

Asset classes: 100% stocks, 0% everything else. No bonds, no cash buffer, no diversifiers. This is the equity equivalent of saying, “Who needs a seatbelt? I have vibes.” For a growth-style approach, sure, stocks are where the long-term gains usually come from, but having literally nothing else means you’re volunteering for full participation in every market tantrum. The lack of any stabilizing assets makes this a pure conviction bet on long-term equity returns and your own emotional fortitude. Takeaway: works for long horizons and strong stomachs, but if sleep quality matters, even a token amount of non-equity ballast would dramatically change the ride.

Sectors Info

  • Technology
    20%
  • Financials
    16%
  • Industrials
    16%
  • Consumer Discretionary
    12%
  • Health Care
    9%
  • Basic Materials
    7%
  • Telecommunications
    5%
  • Consumer Staples
    5%
  • Energy
    5%
  • Real Estate
    3%
  • Utilities
    3%

Sector-wise, this is diversified but clearly biased toward the exciting stuff: tech at 20%, with financials and industrials also chunky. Nothing is absurdly dominant, but you’re tilted toward cyclical, economically sensitive areas rather than boring defensives. Utilities and real estate are tiny, like you grudgingly allowed a couple of sensible friends to the party so it doesn’t get shut down. That makes the portfolio more responsive to growth and business cycles, and more kickable during recessions or rate shocks. Takeaway: the sector spread isn’t disastrous, but it leans toward “economy-boom fanboy” rather than “balanced through all seasons.” Expect extra drama when the cycle turns.

Regions Info

  • North America
    66%
  • Europe Developed
    14%
  • Japan
    8%
  • Asia Developed
    4%
  • Asia Emerging
    3%
  • Australasia
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%

Geographically, it’s firmly “America first, but not America only.” North America at 66% dominates, with Europe, Japan, and bits of the rest of the world sprinkled in for respectability. It’s basically a US-led band with some international backup singers. For a US-based investor, that home bias is normal, but let’s not pretend this is world-neutral allocation. If US markets stumble or underperform for a decade, this setup is going to feel like it missed the memo on global diversification. The mildly respectable exposure to developed and emerging regions keeps this from being a total America-or-bust bet, but the center of gravity is undeniably US-centric.

Market capitalization Info

  • Mid-cap
    27%
  • Mega-cap
    25%
  • Large-cap
    21%
  • Small-cap
    19%
  • Micro-cap
    6%

Market cap is where your quirks really show. Roughly half in mega/large caps and the rest spread across mid, small, and even 6% micro-cap. That’s a noticeable tilt down the size spectrum compared with a plain-vanilla index. You clearly enjoy a bit of scrappy underdog energy, not just the corporate titans. Small and micro caps can juice returns long-term but bring extra volatility and more gut-check drawdowns. It’s like spiking your blue-chip coffee with a shot of moonshine. Takeaway: if you can handle more noise and longer recovery times after crashes, this tilt can be rewarding; if not, it will feel like self-inflicted turbulence.

True holdings Info

  • Apple Inc
    2.27%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard U.S. Quality Factor
  • NVIDIA Corporation
    2.16%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    1.54%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    1.07%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    0.96%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    0.80%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    0.76%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.75%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Meta Platforms Inc.
    0.75%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    0.60%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 11.66%

The look-through holdings scream “I own the world… but mostly the same ten usual suspects.” Apple, Nvidia, Microsoft, Amazon, Alphabet, Tesla, the typical all-star tech-and-growth lineup show up via multiple ETFs. Overlap looks modest only because we’re seeing top-10 slices; underneath, these giants are almost certainly everywhere. Hidden concentration means you think you’re diversified, but your fortunes quietly hinge on a small club of mega-cap celebrities. It’s like rotating restaurants but always ordering fries. The takeaway: even with small-cap and value tilts, the underlying engine is still heavily powered by a handful of giant, highly correlated names. Don’t confuse “many tickers” with truly independent bets.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 30%
Size
Exposure to smaller companies
Very high
Data availability: 78%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Very high
Data availability: 13%
Yield
Preference for dividend-paying stocks
No data
Data availability: 0%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Your factor profile is screaming: Value 85%, Size 85%, Quality 85%, plus moderate momentum and low volatility. Factor exposure is basically the ingredient label behind the “stock market” flavor. You’ve gone heavy on cheap-ish, smaller, higher-quality companies, which is a surprisingly grown-up choice for such an aggressive portfolio. But that triple-tilt is very “strong opinion, many axes”: if value or small caps lag for a decade (totally possible), you’ll spend years underperforming the bland broad market. The good news: quality tilt is the adult supervision in the room. Takeaway: you’re not diversified across factor styles; you’ve taken a concentrated thematic stance and need the patience of a monk to stick with it.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 35.00%
    35.3%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 22.00%
    19.6%
  • Vanguard Small-Cap Value Index Fund ETF Shares
    Weight: 15.00%
    17.7%
  • Vanguard U.S. Quality Factor
    Weight: 13.00%
    14.0%
  • Avantis® International Small Cap Value ETF
    Weight: 15.00%
    13.5%

Risk contribution shows which holdings are actually shaking the portfolio, not just sitting there looking big and important. Here, your broad US fund at 35% weight contributes about 35% of risk, so it’s doing exactly what it says on the tin. The two small-cap value funds punch a bit above their weight in risk, especially the US small-cap value ETF at 15% weight and nearly 18% risk contribution. Top three holdings drive over 72% of total portfolio risk, so the rest are more backup dancers than co-stars. Takeaway: if the ride gets rough, pain will come mainly from those big core positions; trimming or rebalancing them slightly could tame volatility without changing the overall idea.

Redundant positions Info

  • Vanguard Small-Cap Value Index Fund ETF Shares
    Vanguard U.S. Quality Factor
    High correlation

Correlation measures how much things move together, like whether your whole friend group panics simultaneously. Highly correlated assets don’t give you real diversification; they all dive together when things go south. Your small-cap value ETF and US quality ETF are pretty tightly linked, so they’re more like two flavors of the same drama than distinct safety nets. That limits how much risk reduction you get by holding both, even though they sound different on paper. Takeaway: you aren’t stacking uncorrelated weirdness; you’re layering flavors of equity that tend to move in the same direction, just at slightly different speeds. In a proper crash, this whole thing will act like one big stock bet.

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, your portfolio is basically doing a solid job… while still leaving free candy on the table. Current setup: 13.65% return, 19.81% risk, Sharpe 0.59. The optimal mix of the *same* holdings hits 15.24% return with slightly *less* risk and a Sharpe of 0.75. Same-risk optimized version at 19.73% risk would get you 15.30% return. Translation: with nothing new added, just reweighting what you already own, you could squeeze more return for the same or lower volatility. Sitting below the efficient frontier is like running a marathon in heavy boots for no reason. Takeaway: the ingredients are fine; the recipe is just suboptimal and could use a rebalance tune-up.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.10%
  • Vanguard Small-Cap Value Index Fund ETF Shares 1.90%
  • Vanguard U.S. Quality Factor 1.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • Weighted yield (per year) 1.99%

With a total yield of about 1.99%, you’re not exactly running a cash-flow empire here. This is a growth-leaning setup that treats dividends as a side quest, not the main storyline. A couple of holdings throw off decent yield, especially the international and small-cap value pieces, but overall you’re firmly in the “let it compound” camp. That’s fine for long-term growth, but bad news if you’re secretly expecting the portfolio to pay the bills anytime soon. Dividends can feel comforting, but obsessing over them here would miss the point: this portfolio is built more for total return than for regular income.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard U.S. Quality Factor 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) 0.10%

Costs are almost suspiciously low: total TER around 0.10%. That’s “did you accidentally do something smart?” territory. You’ve managed to bolt on fancy factor tilts and small-cap exposure without blowing up the fee budget, which is rare; usually, factor tourists overpay for shiny marketing. TER (Total Expense Ratio) is the silent leak in the boat; here, it’s more like an occasional drip than a hole. The only slightly pricey piece is the Avantis fund, but the overall blend keeps costs very reasonable. Takeaway: you’re not donating much performance to Wall Street via fees, so any underperformance is going to be on you and your factor bets, not on expenses.

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