Broad global equity portfolio with a value tilt and modest bonds for balance
Report created on Aug 24, 2026Risk profile
4/7
Diversification profile
4/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 53.55% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 15.50% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 9.82% -
BN Vanguard Total Bond Market Index Fund ETF Shares
BND - US9219378356 9.33% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 7.48% -
VH Vanguard Health Care Index Fund ETF Shares
VHT - US92204A5048 2.18% -
XL Energy Select Sector SPDR® Fund
XLE - US81369Y5069 2.14%
This portfolio is mostly made up of stock ETFs, with a smaller slice in bonds. Roughly half sits in a broad US large‑cap index, and another chunk is in total international stocks, giving wide global coverage. Two dedicated small‑cap value funds add a more focused tilt toward cheaper, smaller companies, while small positions in health care and energy lean into specific industries. A single broad bond fund provides core fixed‑income exposure. Overall, this structure looks like a classic stock‑heavy, growth‑oriented setup with a deliberate, but not extreme, bond buffer. The combination of broad index funds plus a few targeted tilts creates a simple core with some extra “flavor” layered on top.
Growth
From late 2019 to August 2026, a hypothetical $1,000 in this portfolio grew to about $2,529. That works out to a compound annual growth rate (CAGR) of 14.43%, which is slightly behind the US market benchmark at 16.38% but a bit ahead of the global market at 13.98%. CAGR is like average speed on a long road trip, smoothing out bumps along the way. The deepest drop, or max drawdown, was about -33% during early 2020, very similar to both benchmarks, and it recovered in roughly five months. That pattern suggests the portfolio has behaved broadly like global stocks, with slightly less upside than a pure US tilt but competitive results overall.
Projection
The Monte Carlo simulation projects many possible paths for the next 15 years using historical return and volatility patterns. Think of it as running 1,000 different “what if” market scenarios. In these simulations, $1,000 has a median outcome around $2,744, with a central band (25th–75th percentile) between roughly $1,896 and $4,049. The very wide 5th–95th range, from about $971 to $7,149, shows how uncertain the future can be. The average annualized return across all simulations is 7.88%, with about 77% of paths ending above the starting value. These numbers are not promises; they simply illustrate how a similar risk profile might behave under many possible futures.
Asset classes
- Stocks 91%
- Bonds 9%
Around 91% of the portfolio is in stocks and about 9% in bonds, so it’s clearly tilted toward growth rather than capital preservation. Stocks are typically the main drivers of long‑term returns but also the main source of ups and downs, while bonds often act as a stabilizer and income source. Compared with a “balanced” 60/40 style mix, this portfolio sits much closer to an equity‑heavy posture. That matches its historical behavior, where drawdowns were close to broad equity markets. The modest bond slice still plays a role as a shock absorber, but it won’t fully shield the portfolio from equity‑driven swings when markets move sharply.
Sectors
- Technology 24%
- Financials 14%
- Industrials 10%
- Consumer Discretionary 9%
- Health Care 9%
- Energy 7%
- Telecommunications 6%
- Basic Materials 4%
- Consumer Staples 4%
- Utilities 2%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is spread across all major areas of the economy, with technology the largest slice at 24%, followed by financials, industrials, and consumer‑related sectors. Health care, energy, telecom, and materials all have noticeable allocations, and even traditionally smaller sectors like utilities and real estate are represented. This layout looks broadly similar to a diversified global equity benchmark, with a healthy tilt toward tech but not a single‑sector bet. Tech‑heavy allocations often benefit from innovation‑driven growth but can be more sensitive when interest rates rise or when growth expectations cool. The added health care and energy funds slightly reinforce those specific sectors without overpowering the broad market base.
Regions
- North America 70%
- Europe Developed 9%
- Japan 5%
- Asia Developed 3%
- Asia Emerging 2%
- Australasia 1%
- Africa/Middle East 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, about 70% of the portfolio sits in North America, with the rest spread across Europe, Japan, other developed Asia, emerging Asia, Australasia, and Africa/Middle East. That US‑heavy tilt is common in many global portfolios and largely reflects index weights plus the dedicated S&P 500 holding. It does mean the portfolio’s fortunes are strongly tied to the US economy, currency, and corporate earnings, while still maintaining meaningful exposure to other regions. Compared with a strictly global‑cap‑weighted index, the US share here looks somewhat elevated but not extreme. This structure can benefit when US markets outperform but can lag a more evenly global mix if non‑US regions lead for an extended period.
Market capitalization
- Mega-cap 32%
- Large-cap 26%
- Mid-cap 18%
- Small-cap 9%
- Micro-cap 5%
This breakdown covers the equity portion of your portfolio only.
By market size, the portfolio leans toward mega‑ and large‑cap companies, together making up over half of equity exposure. Mid‑caps add another meaningful chunk, and there is a noticeable, intentional slice in small and even micro‑cap stocks. Large companies tend to bring stability and liquidity, while smaller firms can be more volatile but sometimes offer higher growth potential. The explicit small‑cap value funds are the key drivers of that smaller‑company exposure. This blend creates a “barbell” feel: a solid anchor in big, established names plus a modest tilt toward more dynamic, higher‑risk smaller businesses, which can behave quite differently across market cycles.
True holdings
-
NV NVIDIA Corporation 4.02%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc. 3.53%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 2.30%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 1.94%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.74%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.48%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.39%
Part of fund(s):- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 1.08%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.03%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Tesla Inc 0.99%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Top 10 total 19.50%
This breakdown covers the equity portion of your portfolio only.
Looking through ETF top‑10 holdings, a handful of mega‑cap names stand out: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Micron each appear across funds. Together, just the top ten underlying companies make up over 18% of the portfolio, even though none are held directly. This shows how major index constituents can create hidden concentration when they show up repeatedly inside broad funds. Because this analysis only covers ETF top‑10 lists, actual overlap is likely higher deeper in the holdings. The takeaway is that the portfolio is more exposed to a relatively small group of large technology‑ and growth‑oriented firms than the fund list alone might suggest.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
Factor exposure shows a notable tilt toward value, at 61%, while size, momentum, quality, yield, and low volatility all sit in a neutral range around market‑like levels. Factors are like underlying “personality traits” of investments — value tilts toward cheaper stocks relative to fundamentals. This value emphasis mainly comes from the US and international small‑cap value funds, layered on top of broad indexes. Historically, value stocks have moved in and out of favor versus growth‑oriented names. When value is in a strong run, a portfolio like this can benefit; when expensive growth dominates, it may lag more growth‑tilted peers. Overall, the factor mix is fairly balanced, with value as the standout feature.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 53.55% 59.0% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 15.50% 15.2% -
Avantis® U.S. Small Cap Value ETF
Weight: 9.82% 13.4% -
Avantis® International Small Cap Value ETF
Weight: 7.48% 7.2% -
Energy Select Sector SPDR® Fund
Weight: 2.14% 2.6% - Top 5 risk contribution 97.5%
Risk contribution highlights how much each holding drives the portfolio’s overall volatility, not just how big it is. The S&P 500 ETF is about 54% of the portfolio but contributes roughly 59% of total risk, a bit more than its weight. The US small‑cap value fund is under 10% by weight yet adds over 13% of risk, showing its higher volatility. The top three positions together account for almost 88% of total risk, which signals that most of the portfolio’s ups and downs come from a small group of core holdings. Smaller sector and bond positions have relatively modest impact on overall risk despite their presence.
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–return chart shows the current portfolio with a Sharpe ratio of 0.62, compared with 0.85 for the “optimal” mix and 0.13 for the minimum‑variance option. The Sharpe ratio is a simple way to compare risk‑adjusted returns — how much extra return you get for each unit of volatility, after accounting for a risk‑free rate. The current allocation sits about 1.07 percentage points below the efficient frontier at its risk level, meaning that, using only these same funds, other weightings could theoretically produce a better trade‑off between risk and return. Still, the existing mix already lies in a reasonable zone, balancing return potential and volatility without being wildly inefficient.
Dividends
- Avantis® International Small Cap Value ETF 2.60%
- Avantis® U.S. Small Cap Value ETF 1.20%
- Vanguard Total Bond Market Index Fund ETF Shares 4.00%
- Vanguard Health Care Index Fund ETF Shares 1.40%
- Vanguard S&P 500 ETF 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.50%
- Energy Select Sector SPDR® Fund 2.40%
- Weighted yield (per year) 1.69%
The overall dividend yield of the portfolio is about 1.69%, combining stock dividends with bond interest. The bond fund and international value fund are the highest yielders, around 4.0% and 2.6%, while the broad US index sits closer to 1.0%. Dividend yield is the cash income paid out each year as a percentage of current value; it can be a useful contributor to total return alongside price changes. Here, income is a supporting feature rather than the main focus, which aligns with the high equity allocation and growth orientation. Over time, reinvested dividends can quietly add a meaningful portion of total returns, even when the starting yield looks modest.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Vanguard Total Bond Market Index Fund ETF Shares 0.03%
- Vanguard Health Care Index Fund ETF Shares 0.10%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Energy Select Sector SPDR® Fund 0.09%
- Weighted costs total (per year) 0.08%
Total ongoing costs for this portfolio are very low, with a blended expense ratio around 0.08%. Most holdings are low‑fee index ETFs from Vanguard, with slightly higher costs only in the Avantis small‑cap value strategies, which are still moderate. The Total Expense Ratio (TER) is like an annual membership fee charged by the funds, deducted from returns before you see them. Keeping this number low helps more of the portfolio’s gross performance reach the investor. Compared with typical active funds, this cost structure is impressively lean and aligns well with long‑term, index‑oriented investing principles. Over decades, even small fee differences can add up significantly.
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