Tilted toward smaller value companies with broad global equity coverage and moderate growth risk profile
Report created on May 28, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
IV iShares Core S&P 500 ETF
IVV - US4642872000 40.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 30.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30.00%
This portfolio is a simple three‑fund global equity mix with 100% in stocks. Around 40% sits in a broad US large‑cap index, 30% in US small‑cap value, and 30% in a broad international fund. This structure combines a mainstream core with a strong tilt toward smaller, cheaper companies plus meaningful exposure outside the US. A concentrated lineup like this is easy to monitor, since each fund plays a clear role. The “Growth Investors” label and 5/7 risk score reflect that an all‑stock portfolio can swing quite a bit in the short term, even when diversified across different regions and company types.
Growth
From late 2019 to May 2026, $1,000 in this portfolio grew to about $2,503, a compound annual growth rate (CAGR) of 14.82%. CAGR is like your average speed on a road trip, smoothing all the bumps along the way. The portfolio lagged the US market benchmark by 1.64 percentage points per year but beat the global market by 0.95 points. Its worst peak‑to‑trough fall (max drawdown) was about -38% during early 2020, deeper than the benchmarks’ roughly -34%. This mix has historically rewarded investors well but with sharper drops, which is typical for a portfolio with a sizeable small‑cap value tilt.
Projection
The Monte Carlo projection uses past return and volatility patterns, then simulates 1,000 different 15‑year paths to see a range of possible futures. Here, the median outcome turns $1,000 into about $2,747, with a broad “likely” middle range of roughly $1,783 to $4,111. That’s an annualized simulated return of 7.81%, with positive results in 73% of simulations. These numbers aren’t promises; they’re statistical “what‑ifs” based on history. Real markets can behave differently, especially if future conditions don’t resemble the past. Still, the exercise shows that outcomes can vary a lot, even when the long‑term average looks attractive.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with no bonds, cash, or alternative assets in the mix. That creates strong exposure to long‑term growth but also means the full portfolio rides the ups and downs of equity markets. Many broad benchmarks include a similar 100% equity slice when looking only at stocks, but diversified “all‑in” portfolios often mix in bonds to reduce volatility. Here, the risk classification as “Growth” fits the all‑equity choice. In practice, that means larger drawdowns and faster recoveries can both be expected, compared with a blend that includes steadier fixed‑income assets.
Sectors
- Technology 22%
- Financials 19%
- Industrials 12%
- Consumer Discretionary 12%
- Energy 8%
- Health Care 7%
- Telecommunications 7%
- Consumer Staples 5%
- Basic Materials 4%
- Utilities 2%
- Real Estate 2%
Sector exposure is fairly broad, with technology at 22%, financials at 19%, industrials and consumer discretionary each at 12%, and the rest spread across energy, health care, telecoms, staples, materials, utilities, and real estate. Compared with common global equity benchmarks, this mix doesn’t lean heavily into any single sector, though tech is still the largest slice, as in most modern indexes. This balance helps avoid having the portfolio’s fate tied to one industry cycle. For example, if technology stumbles while financials or industrials are stronger, that cross‑sector exposure can help smooth overall portfolio swings.
Regions
- North America 72%
- Europe Developed 11%
- Asia Developed 5%
- Japan 5%
- Asia Emerging 4%
- Australasia 1%
- Latin America 1%
- Africa/Middle East 1%
Geographically, the portfolio is clearly US‑tilted: about 72% in North America, with the rest spread across Europe, Japan, developed Asia, emerging Asia, and small weights in Australasia, Latin America, and Africa/Middle East. Relative to a global market index, this is a higher US share but still includes meaningful non‑US exposure. That international portion introduces different economic cycles, currencies, and policy environments, which can reduce reliance on a single region. At the same time, a US overweight means performance will still be strongly linked to US market conditions, especially during major domestic booms or downturns.
Market capitalization
- Mega-cap 33%
- Large-cap 23%
- Small-cap 17%
- Micro-cap 14%
- Mid-cap 13%
The market cap breakdown is quite diversified: 33% mega‑cap, 23% large‑cap, and the remaining 44% spread across mid‑, small‑, and micro‑cap companies. This is a notable tilt compared with many benchmarks, which are usually dominated by mega‑ and large‑caps. Smaller companies can be more volatile day‑to‑day but historically have offered periods of stronger growth, especially when they recover from downturns. Having a meaningful share in small and micro‑caps gives this portfolio more exposure to that part of the market, while the mega‑ and large‑cap holdings provide stability and liquidity from well‑established businesses.
True holdings
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NV NVIDIA Corporation 3.14%
Part of fund(s):- iShares Core S&P 500 ETF
-
AA Apple Inc 2.58%
Part of fund(s):- iShares Core S&P 500 ETF
-
MS Microsoft Corporation 1.96%
Part of fund(s):- iShares Core S&P 500 ETF
-
AM Amazon.com Inc 1.68%
Part of fund(s):- iShares Core S&P 500 ETF
-
GO Alphabet Inc Class A 1.45%
Part of fund(s):- iShares Core S&P 500 ETF
-
AV Broadcom Inc 1.28%
Part of fund(s):- iShares Core S&P 500 ETF
-
GO Alphabet Inc Class C 1.16%
Part of fund(s):- iShares Core S&P 500 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.15%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.87%
Part of fund(s):- iShares Core S&P 500 ETF
-
TS Tesla Inc 0.69%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- iShares Core S&P 500 ETF
- Top 10 total 15.95%
Looking through to the top holdings across the ETFs, the largest underlying positions are familiar global giants like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, TSMC, Meta, and Tesla. Each of these names is just a few percent of the total portfolio, reflecting broad diversification within the funds. There is some overlap because both the US and international funds can hold the same global leaders, but with only ETF top‑10 data available, this overlap is likely understated. Even so, no single company dominates the portfolio, which reduces the risk that one stock’s fortunes drive overall results.
Factors
Factor exposure shows strong tilts toward value (69%) and size (62%), both categorized as “High.” In simple terms, this portfolio leans toward cheaper stocks and smaller companies relative to the broad market. Factor exposure is like checking which “ingredients” you have more of: here, the recipe emphasizes value and smaller firms. Other factors—momentum, quality, yield, and low volatility—sit in the neutral range, meaning they look broadly market‑like. Historically, value and small size have sometimes boosted returns but can lag for long stretches and often come with more pronounced ups and downs.
Risk contribution
-
Avantis® U.S. Small Cap Value ETF
Weight: 30.00% 38.0% -
iShares Core S&P 500 ETF
Weight: 40.00% 36.9% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 25.1%
Risk contribution measures how much each holding drives the portfolio’s overall volatility, which can differ from its weight. Here, the US small‑cap value ETF is 30% of assets but contributes about 38% of total risk, reflecting the typically choppier ride of smaller, cheaper companies. The S&P 500 ETF, at 40% weight, adds around 37% of risk, slightly under its size, while the international fund contributes 25% of risk for its 30% weight. This pattern suggests the portfolio’s risk is somewhat concentrated in the small‑cap value slice, even though the dollar allocation looks balanced.
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 has a Sharpe ratio of 0.59, which compares return to volatility using a 4% risk‑free rate. The “optimal” mix of the same three funds reaches a higher Sharpe of 0.81 with similar risk, while the minimum‑variance mix offers lower risk and a mid‑range Sharpe of 0.67. Being about 1.39 percentage points below the efficient frontier at its current risk level means, in theory, a different weighting of these same ETFs could have delivered better risk‑adjusted returns. The existing allocation is reasonable but not making the most of the available combinations.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- iShares Core S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.64%
The overall dividend yield for the portfolio is 1.64%, combining roughly 1.10% from the S&P 500 fund, 1.30% from US small‑cap value, and 2.70% from international stocks. Dividends are the cash payouts companies share with investors and can be an important part of total return, especially over long periods when they’re reinvested. Here, the yield is modest, in line with a growth‑oriented equity mix. The higher yield from international holdings slightly boosts the overall figure, while the tilt toward smaller and value stocks contributes a bit more income than a pure large‑growth focus might.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- iShares Core S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.10%
The portfolio’s total expense ratio (TER) is about 0.10%, combining 0.03% for the S&P 500 ETF, 0.05% for the international ETF, and 0.25% for the small‑cap value fund. TER is the annual fee charged by the funds, expressed as a percentage of assets. At this level, costs are impressively low and compare very well with typical actively managed options. Lower fees mean more of the portfolio’s gross return stays in your pocket, and the difference compounds over time. This cost structure provides a strong foundation, letting the asset mix—rather than fees—drive long‑term outcomes.
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