Growth focused equity portfolio with a US tilt strong value exposure and low overall costs
Report created on May 21, 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% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 10.00%
This portfolio is a straightforward all‑equity mix built from four broad funds. About half sits in a large US index fund, with another fifth in US small‑cap value, a fifth in international stocks, and a smaller slice in US momentum stocks. Together, that creates a core of mainstream large companies, plus more specialized tilts toward cheaper smaller firms and trend‑following strategies. Structurally, this is a “growthy” portfolio because it holds only stocks and no bonds or cash. That means bigger swings in value, both up and down, compared with a blend that includes more defensive assets. The mix balances simplicity with a few targeted angles, giving it a clear focus rather than being overly complicated.
Growth
Over the period shown, a $1,000 investment grew to $2,683, which is a compound annual growth rate (CAGR) of 16.05%. CAGR is like average speed on a road trip: it smooths out all the bumps to show a steady yearly pace. This return slightly trailed the US market benchmark but clearly outpaced the global market. The portfolio went through a maximum drawdown of about -36%, meaning it temporarily fell that far from a prior peak, with a sharp drop and relatively quick recovery around early 2020. That drawdown was a bit deeper than the benchmarks, which reflects the higher‑octane equity mix. Only 23 days produced 90% of returns, underlining how a few big days can dominate long‑term results.
Projection
The Monte Carlo simulation projects many possible future paths using the portfolio’s historical risk and return patterns. Monte Carlo is basically a “what if” machine: it runs thousands of alternate futures by randomly mixing good and bad years based on past data. Here, a $1,000 investment has a median 15‑year outcome around $2,662, with a wide “likely” range between about $1,773 and $4,082. The annualized return across simulations is 7.9%, but the p5–p95 band from roughly $1,027 to $7,528 shows that outcomes can differ a lot. These numbers are not forecasts or guarantees; they simply show what could happen if future conditions rhyme with the past, which they often don’t perfectly.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with no exposure to bonds, cash, or alternatives. An all‑equity asset mix tends to have higher expected returns over long periods but also larger and more frequent swings. Asset classes behave differently in various environments: stocks usually shine in growth periods, while bonds tend to cushion shocks during downturns. Because this portfolio relies entirely on equities, its long‑term outcome is tightly linked to how global businesses perform and how investors value them. Compared with more mixed stock‑bond allocations, this structure offers less built‑in shock absorption but greater sensitivity to global economic and earnings growth, which is consistent with its “growth” classification.
Sectors
- Technology 28%
- Financials 16%
- Industrials 11%
- Consumer Discretionary 10%
- Telecommunications 8%
- Health Care 7%
- Energy 7%
- Consumer Staples 5%
- Basic Materials 4%
- Utilities 2%
- Real Estate 2%
Sector exposure is fairly broad, with notable but not extreme tilts. Technology is the largest slice at 28%, followed by meaningful allocations to financials, industrials, and consumer‑related areas, plus smaller stakes in energy, health care, staples, and others. This spread lines up reasonably well with common equity benchmarks, which is a positive sign for diversification. A tech‑heavier allocation can boost returns in innovative, fast‑growth periods, but it may also experience sharper moves when interest rates change or when investors rotate into more defensive areas. The presence of cyclical and defensive sectors alongside tech helps smooth some of that ride, though in an all‑equity portfolio, sector moves will still be very visible.
Regions
- North America 81%
- Europe Developed 7%
- Asia Developed 3%
- Japan 3%
- Asia Emerging 3%
- Australasia 1%
- Latin America 1%
- Africa/Middle East 1%
Geographically, about 81% of the portfolio is in North America, with the rest spread across Europe, developed Asia, Japan, and emerging regions. This creates a clear home bias toward US‑listed companies compared with global benchmarks where the US is often closer to 60%. A US tilt has been helpful in recent years given strong performance from American large‑cap growth companies. At the same time, it means results are heavily tied to one economy, one currency, and one central bank’s policy. The overseas slice does add diversification, giving exposure to different growth drivers, currencies, and policy regimes, but the portfolio’s overall behavior will still closely follow US market trends most of the time.
Market capitalization
- Mega-cap 36%
- Large-cap 28%
- Mid-cap 14%
- Small-cap 12%
- Micro-cap 9%
The portfolio spans the full company size spectrum: mega‑caps, large‑caps, mid‑caps, small‑caps, and even micro‑caps. Around a third sits in the very largest companies, and a solid chunk in large‑caps, which usually provide more stability and liquidity. At the same time, more than 20% is in smaller and micro‑cap firms through the dedicated small‑cap value fund. Smaller companies tend to be more volatile but can offer different growth and valuation characteristics than market giants. This mix means the portfolio is not just a bet on household‑name firms; it also taps into the broader economic ecosystem of younger and more niche businesses, which can behave differently across market cycles.
True holdings
-
NV NVIDIA Corporation 4.89%
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 2.36%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.33%
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 1.86%
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 0.87%
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 22.04%
The look‑through data shows that several of the same big names appear across multiple ETFs, with NVIDIA, Apple, Microsoft, Broadcom, Alphabet, Amazon, Meta, Micron, and Tesla all represented. While these positions each look small individually, together they make up a meaningful slice of the portfolio’s top‑10 look‑through exposure. This creates some hidden concentration in a handful of large technology‑ and growth‑oriented firms, even though only ETF top‑10s are captured here, so true overlap is likely higher. Overlap isn’t inherently bad; it just means those companies have an outsized influence on day‑to‑day movements and on how the portfolio reacts to news affecting major US growth stocks.
Factors
Factor exposure shows a clear tilt toward value at 63%, while size, momentum, quality, yield, and low volatility all sit near neutral. Factors are like underlying “personality traits” of investments that research links to long‑term returns. A value tilt means the portfolio leans slightly toward stocks priced more cheaply relative to fundamentals, often found in more out‑of‑favor areas. Historically, value can lag when investors chase high‑growth stories but may shine when markets rotate toward profits and cash flows. The neutral readings on the other factors suggest no strong systematic lean toward smaller size, trend following, defensive quality, or high dividend payers beyond what a broad market‑like portfolio would naturally hold.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 48.6% -
Avantis® U.S. Small Cap Value ETF
Weight: 20.00% 24.8% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 16.9% -
Invesco S&P 500® Momentum ETF
Weight: 10.00% 9.8%
Risk contribution highlights how much each position drives overall ups and downs, which can differ from simple weights. Here, the S&P 500 fund is half the portfolio and contributes about 49% of risk, very much in line with its size. The small‑cap value ETF stands out: at 20% of the weight, it contributes nearly 25% of total risk, reflecting the bumpier ride of smaller, value‑oriented stocks. The international and momentum funds contribute slightly less or roughly in line with their weights. Overall, the top three holdings account for just over 90% of total portfolio risk, so changes in these broad core funds will dominate performance much more than the smaller satellite momentum slice.
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 below the efficient frontier by about 2.36 percentage points at its current risk level. The efficient frontier is the curve of best possible returns for each risk level using the same building blocks but different weights. Sharpe ratio, which measures return per unit of risk over the risk‑free rate, is 0.65 for the current mix compared with 0.97 for the optimal combination and 0.67 for the minimum‑variance option. This suggests that, purely mathematically, reshuffling the weights among these four ETFs could improve risk‑adjusted returns without adding new holdings. Still, these optimizations are based on historical data, which may not repeat in the same way.
Dividends
- 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 portfolio’s overall dividend yield sits around 1.37%, with the highest payout coming from the international fund and the lowest from the momentum ETF. Dividend yield is the cash income from holdings as a percentage of current value, like rent from a property. A yield at this level indicates that most of the expected return is likely to come from price changes rather than income. That’s common for growth‑oriented, equity‑only portfolios, especially those tilted toward US stocks and momentum strategies, where companies often reinvest profits instead of paying them out. For investors tracking total return, dividends still matter, but they’re a smaller part of the story here.
Ongoing product costs
- 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) 0.09%
The portfolio’s total expense ratio (TER) is about 0.09%, which is impressively low given the mix of funds. TER is the annual fee charged by the funds as a percentage of assets, quietly deducted behind the scenes. The two large Vanguard funds anchor costs with very low fees, while the small‑cap value ETF carries a somewhat higher expense, reflecting its more specialized strategy. Over long periods, low costs support better performance because less is shaved off each year; the compounding effect can be meaningful. From a structural standpoint, this fee level is a genuine strength of the portfolio and aligns well with best practices for cost‑conscious, index‑heavy investing.
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