Growth focused globally diversified equity portfolio with value and dividend tilts and efficient construction

Report created on Mar 25, 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 almost entirely in equities, with 99% in stocks and 1% in cash, split across four broad ETFs. Roughly 40% goes to a large US index, 30% to a broad international index, and 30% to more specialized value and dividend strategies. That structure keeps things simple while still layering in different styles of stock investing. A mostly equity setup like this is designed for growth and will naturally swing more in the short term. The blend of broad market and factor-style funds is a solid, textbook way to seek higher long-term returns without overcomplicating the number of holdings.

Growth Info

Over the period from late 2019 to early 2026, the hypothetical $1,000 grew to $2,181, a 13.76% CAGR (compound annual growth rate, i.e., average yearly growth). That’s slightly behind the US market proxy at 14.62% but ahead of the global market at 12.15%. The max drawdown of about -35% is close to both benchmarks, showing similar downside experience in tough markets. This pattern is consistent with a growth-oriented stock portfolio that mixes US, international, and factor tilts. The performance suggests you captured most of the upside of the US market while benefiting from some diversification closer to a global baseline.

Projection Info

The Monte Carlo simulation models thousands of possible 10‑year paths using the portfolio’s historical return and volatility. Think of it as re‑shuffling past monthly returns in many different sequences to see a range of outcomes, not a single prediction. The median scenario grows $1,000 by about 484%, while even the 5th percentile still shows a positive, though much lower, total return. That wide spread reflects the uncertainty that comes with a high‑equity, growth profile. It’s encouraging that 985 of 1,000 simulations ended positive, but it’s crucial to remember this relies on history; future markets can behave differently, so these numbers are illustrative, not guaranteed.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Asset-class exposure is extremely straightforward: essentially 100% stocks, with a token 1% in cash. That “all‑in equity” stance is what drives the strong growth potential and also the meaningful drawdowns you’ve seen historically. Compared with many blended benchmarks that might mix in bonds or other assets, this is more aggressive and less cushioned during market stress. The benefit is simplicity and higher expected returns over long horizons. The trade‑off is that there’s no built‑in stabilizer like bonds. Anyone using a similar mix usually manages risk with time horizon and behavior (staying invested) rather than by holding defensive asset classes.

Sectors Info

  • Technology
    20%
  • Financials
    15%
  • Industrials
    14%
  • Consumer Discretionary
    10%
  • Health Care
    9%
  • Energy
    8%
  • Consumer Staples
    7%
  • Telecommunications
    7%
  • Basic Materials
    6%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is broad: double‑digit allocations to technology, financials, industrials, and consumer cyclicals, with solid representation in healthcare, energy, consumer defensive, communication services, basic materials, utilities, and real estate. Tech is the largest at about 20%, but not overwhelmingly so, and other sectors are meaningfully represented. This looks quite similar to diversified global equity indices, which is a positive sign for balance. Tech‑heavy markets can be more sensitive to interest‑rate moves and sentiment swings, but the presence of defensives like utilities, staples, and healthcare helps smooth sector‑specific shocks. Overall, the sector mix supports resilience across different economic environments.

Regions Info

  • North America
    59%
  • Europe Developed
    17%
  • Japan
    10%
  • Asia Developed
    5%
  • Asia Emerging
    4%
  • Australasia
    3%
  • Africa/Middle East
    2%
  • Latin America
    1%

Geographically, around 59% sits in North America, with significant exposure to developed Europe and Japan and smaller slices to developed Asia, emerging Asia, Australasia, the Middle East/Africa, and Latin America. That’s a healthy global footprint. Compared with many US‑dominated portfolios, this is closer to a world‑market allocation, which is a strong diversification feature. If the US underperforms for a stretch, exposure to other developed and emerging regions can help. The flipside is that you won’t fully match US‑only booms. This global mix lines up well with broad international benchmarks and keeps country‑specific risks from any one region from dominating outcomes.

Market capitalization Info

  • Mega-cap
    32%
  • Large-cap
    32%
  • Mid-cap
    25%
  • Small-cap
    8%
  • Micro-cap
    1%

The market‑cap mix leans toward larger companies, with roughly two‑thirds in mega and big caps, about a quarter in mid caps, and a smaller but notable slice in small and micro caps. Large caps bring stability and liquidity, often being profitable, established businesses. The small and mid‑cap exposure adds growth potential and a bit more volatility, especially internationally where small caps can be more cyclical. This spread across sizes is healthy and gives you exposure to different parts of the corporate life cycle. The tilt toward larger names keeps the overall ride more manageable than an aggressively small‑cap‑heavy strategy.

True holdings Info

  • NVIDIA Corporation
    2.93%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Apple Inc
    2.66%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Microsoft Corporation
    1.98%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Amazon.com Inc
    1.39%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Alphabet Inc Class A
    1.23%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.03%
    Part of fund(s):
    • Vanguard International Equity Index Funds - Vanguard FTSE Emerging Markets ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • iShares Asia 50 ETF
  • Broadcom Inc
    1.03%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Alphabet Inc Class C
    0.98%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Chevron Corp
    0.97%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Dividend Equity ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Meta Platforms Inc.
    0.96%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Top 10 total 15.16%

Looking through the ETFs, the largest underlying exposures are well-known mega-cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Taiwan Semiconductor. None of these are held directly; they appear through multiple funds, especially the broad US and international indexes. This does create some hidden concentration, since the same companies can show up in more than one ETF. Still, the top single-company exposures are each under 3%, which is quite moderate. Because this overlap view only uses ETF top-10 holdings, actual duplication is higher, but the pattern suggests a diversified basket of global leaders rather than outsized single-stock bets.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 30%
Size
Exposure to smaller companies
Very high
Data availability: 15%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
Very high
Data availability: 15%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 100%

Factor exposure shows strong tilts to value, size (smaller companies), and yield, with moderate momentum and decent low‑volatility characteristics. Factors are like the “personality traits” of investments — patterns such as being cheap (value), smaller (size), or higher‑dividend (yield) that research links to long‑term returns. This mix suggests the portfolio may do relatively well when cheaper, smaller, and dividend‑paying stocks are in favor, but it might lag pure growth‑heavy benchmarks in roaring growth cycles. The momentum and low‑volatility readings point to some balance, but the profile is clearly value‑ and income‑oriented within an overall growth framework, which is a thoughtful, intentional tilt.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 40.00%
    42.5%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 30.00%
    29.2%
  • Avantis® International Small Cap Value ETF
    Weight: 15.00%
    14.5%
  • Schwab U.S. Dividend Equity ETF
    Weight: 15.00%
    13.8%

Risk contribution — how much each position drives the portfolio’s ups and downs — is nicely aligned with weights. The S&P 500 ETF is 40% of assets and contributes about 42% of risk, while the international and factor ETFs each contribute close to their allocations. This indicates there isn’t a single hyper‑volatile holding dominating the risk profile. The top three positions naturally drive most of the risk because they’re the largest weights, not because they’re wildly more volatile. When risk and weight line up like this, it suggests position sizing is sensible, and any future tweaks are more about fine‑tuning exposures than fixing concentration problems.

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 current mix sits on the efficient frontier, which is the curve showing the best expected return for each risk level using these existing holdings. The Sharpe ratio — return per unit of volatility — is solid and matches the minimum‑risk mix, but there’s an “optimal” allocation with a meaningfully higher Sharpe. There’s also a configuration with similar risk but higher expected return. Since the portfolio is already efficient, improvements are about fine‑tuning weights rather than big structural fixes. Reweighting among the same four ETFs could modestly enhance expected return or risk‑adjusted performance while staying within a similar volatility band.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.10%
  • Schwab U.S. Dividend Equity ETF 3.40%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • Weighted yield (per year) 2.36%

The overall dividend yield of about 2.36% comes from a mix of higher‑yielding international and dividend‑focused funds and the lower‑yielding S&P 500. For an all‑equity portfolio, that’s a respectable income stream, especially given today’s payout norms. Dividends can provide a steady component of total return and can be reinvested to buy more shares during downturns, subtly boosting long‑term compounding. A dedicated dividend ETF also tends to tilt toward higher‑quality, cash‑generative businesses. While this setup is still clearly growth‑oriented, the income layer offers a small buffer and may appeal to investors who like seeing some tangible cash flow alongside price appreciation.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • 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 blended total expense ratio of about 0.09% is impressively low for a multi‑ETF equity portfolio. That means only $0.90 per year on each $1,000 invested goes to fund fees, leaving almost everything else to compound for you. Low costs are one of the few levers investors can control, and over decades they can translate into noticeably higher balances compared with pricier strategies. Combining ultra‑cheap broad index funds with a single somewhat higher‑cost value ETF is a sensible compromise, especially since the overall fee remains near rock‑bottom levels. From a cost perspective, this setup is very efficient and aligns with best practices.

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