Strong value tilt growth portfolio with diversified small cap exposure and moderate global reach
Report created on Jun 5, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 50.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 20.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 10.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 10.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10.00%
This portfolio is a 100% stock mix built from five ETFs, with half in a broad US large-cap index and the rest split across US small-cap value, international small-cap value, US momentum, and broad international equities. The structure is simple but purposeful: one big core holding plus four “satellite” tilts. This matters because the core ETF largely drives overall behavior, while the satellites nudge the portfolio toward value, small caps, and a bit more global exposure. In practice, that means the portfolio behaves like a growth‑oriented equity portfolio, but with some extra diversification levers that can cause it to differ meaningfully from a plain S&P 500 tracker.
Growth
Over the 2019–2026 period, a $1,000 investment grew to about $2,813, which implies a compound annual growth rate (CAGR) of 16.78%. CAGR is like average speed on a road trip: it smooths out the bumps along the way. This slightly beat the US market benchmark and meaningfully outpaced the global market benchmark. The worst peak‑to‑trough drop was about -36.6% during early 2020, a bit deeper than the benchmarks’ drawdowns. That combination—marginally higher return with somewhat larger drops—fits a growth‑oriented equity portfolio with tilts away from pure large caps. As always, past performance can’t guarantee similar future results.
Projection
The Monte Carlo projection takes the portfolio’s historical risk and return patterns and runs 1,000 random “what if” paths over 15 years. Think of it as shuffling and replaying market conditions many times to see a range of plausible outcomes. The median result turns $1,000 into about $2,824, with most simulations landing between roughly $1,886 and $4,379. The very wide full range—from about $1,057 to $7,680—highlights how uncertain long‑term equity results can be. An average simulated return of 8.26% per year and a 76.7% chance of finishing positive both reflect an equity‑heavy risk profile. These are statistical estimates, not promises, and actual markets can behave differently.
Asset classes
- Stocks 100%
All of the portfolio is invested in stocks, with no bonds, cash, or alternative assets in the mix. Asset classes are the broad building blocks—like stocks, bonds, and real estate—that tend to behave differently in various economic conditions. A 100% stock allocation usually means higher expected long‑term growth but also larger swings, especially during market stress. Compared with blended stock‑bond portfolios, this structure is more aggressive in terms of risk and return potential. The absence of stabilizing assets like bonds or cash means that diversification is coming from within equities—through size, style, and geography—rather than across fundamentally different asset classes.
Sectors
- Technology 27%
- Financials 15%
- Industrials 12%
- Consumer Discretionary 11%
- Telecommunications 8%
- Energy 7%
- Health Care 7%
- Basic Materials 5%
- Consumer Staples 5%
- Utilities 2%
- Real Estate 2%
Sector exposure is reasonably diversified, with technology the largest slice at 27%, followed by financials, industrials, consumer discretionary, and several smaller sectors. This is broadly in line with common global equity benchmarks that also have meaningful tech weight, though your portfolio’s tech share is somewhat elevated due to S&P 500 and momentum exposure. Sector balance matters because different parts of the economy respond differently to interest rates, inflation, and growth shocks. A portfolio that leans into tech and economically sensitive sectors may benefit more during strong growth phases but can be more volatile when rates rise or when risk appetite suddenly drops.
Regions
- North America 81%
- Europe Developed 8%
- Japan 5%
- Asia Developed 2%
- Asia Emerging 2%
- Australasia 1%
- Africa/Middle East 1%
Geographically, around 81% of the portfolio sits in North America, with the rest spread across developed Europe, Japan, other developed Asia, emerging Asia, Australasia, and Africa/Middle East. Global stock market benchmarks often allocate roughly 60% to the US, so this portfolio is clearly US‑tilted. Geographic exposure matters because economies, currencies, and policy environments differ across regions. A strong US tilt has helped in recent years but also means portfolio outcomes are heavily tied to US growth, politics, and the dollar. The non‑US holdings still add useful diversification, giving some exposure to different economic cycles and currency movements.
Market capitalization
- Mega-cap 32%
- Large-cap 25%
- Mid-cap 18%
- Small-cap 15%
- Micro-cap 10%
By market capitalization, the mix ranges from mega‑caps at 32% down through large, mid, small, and even about 10% in micro‑caps. Market cap is simply company size by stock market value. Most broad benchmarks are dominated by mega‑ and large‑caps, so this portfolio shows a more pronounced tilt toward smaller companies. That’s mainly driven by the dedicated small‑cap value ETFs. Historically, smaller companies have tended to be more volatile but sometimes offer higher long‑term return potential. Having a spread across size buckets means the portfolio doesn’t rely solely on the biggest household names and can behave differently from a pure large‑cap index in certain market environments.
True holdings
-
NV NVIDIA Corporation 4.79%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 3.23%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 2.45%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.33%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.31%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.10%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.84%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.09%
Part of fund(s):- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 1.02%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
TS Tesla Inc 0.87%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Top 10 total 22.00%
Looking through to the top holdings inside your ETFs, a lot of the visible exposure clusters in a handful of big US tech‑related names: NVIDIA, Apple, Microsoft, Broadcom, Alphabet, Amazon, Meta, Micron, and Tesla. These positions appear across multiple funds, so their overall impact is larger than in any single ETF. For example, NVIDIA alone shows up at roughly 4.8% of the portfolio. This is “hidden” concentration—overlap that comes from several funds owning the same stocks. Because only ETF top‑10 holdings are captured, true overlap is likely higher. This overlap is not inherently good or bad, but it does mean those mega‑caps strongly influence portfolio performance.
Factors
The standout feature in factor exposure is a high tilt toward value at 64%, while size, momentum, quality, yield, and low volatility all sit around neutral, close to market average. Factor exposure is like seeing the recipe behind the portfolio—value, for instance, means more emphasis on stocks that look cheap relative to fundamentals. A value tilt can behave differently from the broader market: it may lag during periods when expensive growth stocks lead but can catch up or outperform when investors rotate toward cheaper names. With other factors near neutral, the portfolio’s distinct personality comes mostly from this value emphasis layered on top of broad market and momentum holdings.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 48.5% -
Avantis® U.S. Small Cap Value ETF
Weight: 20.00% 25.0% -
Invesco S&P 500® Momentum ETF
Weight: 10.00% 9.7% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 10.00% 8.5% -
Avantis® International Small Cap Value ETF
Weight: 10.00% 8.4%
Risk contribution shows how much each ETF adds to the portfolio’s overall ups and downs, which can be quite different from simple weight. Here, the 50% S&P 500 position contributes about 48% of total risk—almost exactly in line with its size. The US small‑cap value ETF stands out: it’s 20% of the portfolio but contributes about 25% of risk, reflecting its higher volatility. The two international funds each contribute slightly less risk than their weights, suggesting some diversifying benefit. In total, the top three positions drive over 83% of portfolio risk, so while the lineup has five funds, risk is still quite concentrated in a few key building blocks.
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 your current mix with other weightings of the same five ETFs. The Sharpe ratio—return per unit of risk—is 0.68 for the current portfolio, while the optimal mix reaches 1.02 and the minimum-variance mix scores 0.76. Your portfolio sits about 3.99 percentage points below the frontier at its current risk level, meaning it’s not using these holdings in the most risk‑efficient way possible. In plain terms, reweighting among the existing ETFs (without adding anything new) could historically have delivered either higher expected return for similar risk, or similar return with a bit less volatility.
Dividends
- Avantis® International Small Cap Value ETF 2.70%
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco S&P 500® Momentum ETF 0.70%
- Vanguard S&P 500 ETF 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.37%
The overall dividend yield of the portfolio sits around 1.37%, with the highest yields coming from the international small‑cap value and broad international ETFs, both near 2.7%. Yield here means cash payouts as a percentage of price each year. This is relatively modest compared with more income‑focused equity strategies, reflecting the portfolio’s growth and small‑cap/value tilts. Dividends still matter because they contribute to total return and can provide a small, steady cash component alongside price changes. In a portfolio like this, though, most of the long‑term return expectation comes from capital growth rather than income, so payouts are more of a bonus than the main attraction.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.12%
The average ongoing fee (TER) across all ETFs is about 0.12% per year, which is impressively low for an equity portfolio with this level of tilting and diversification. TER, or Total Expense Ratio, is like a small annual service charge that funds take out behind the scenes. Lower costs mean more of the gross return stays in your pocket and can compound over time. Here, costs compare very favorably with many active or specialized funds, which often charge several times as much. Keeping fees this low while still achieving exposure to small caps, value, momentum, and international markets is a structural strength of this portfolio.
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