Broad global equity blend with balanced factor exposure and tilts to small value and momentum
Report created on Sep 13, 2026Risk profile
4/7
Diversification profile
3/5
Positions
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SP SPDR® Portfolio S&P 1500 Composite Stock Market ETF
SPTM - US78464A8053 50.00% -
AV Avantis All International Markets Equity ETF
AVNM - US0250721745 25.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 10.00%
This portfolio is a focused mix of four equity ETFs, with 100% invested in stocks. About half sits in a broad US total-market style fund, a quarter in a diversified international equity ETF, and the rest is split between a US small-cap value tilt and a US momentum strategy. Structurally, this combines a core “own almost everything” approach with a couple of satellite factor tilts layered on top. That mix creates a clear, transparent structure that is easy to understand: broad coverage of global stocks, plus targeted exposures aiming at specific return drivers. Because everything is in equities, the portfolio’s ups and downs will be closely tied to global stock markets rather than bonds or cash.
Growth
Over the recent period, $1,000 grew to about $1,884, implying a compound annual growth rate (CAGR) of 21.96%. CAGR is the “average speed” of growth per year, smoothing out bumps along the way. This slightly outpaced both the US market (20.46% CAGR) and the global market (19.69% CAGR) over the same time. The portfolio’s max drawdown was -17.85%, meaning the largest peak‑to‑trough fall was noticeable but similar to the benchmarks. Most returns came from a relatively small number of days (25), which is typical for equities and shows how missing a few strong days can matter.
Projection
The Monte Carlo projection uses historical return and volatility patterns to simulate many possible 15‑year paths for a $1,000 investment. Think of it as running 1,000 alternate futures, each with different sequences of good and bad years, based on past behavior. The median outcome lands around $2,666, with a fairly wide “likely” range from roughly $1,846 to $4,051. Extreme cases span from about $929 to $7,541. The average simulated annual return is 8.01%, well below recent realized performance, which is more realistic over long stretches. These simulations are not forecasts; they simply show how bumpy the ride could be, even when long‑term averages look attractive.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with no allocation to bonds, cash substitutes, or alternative assets. That makes it straightforward to interpret: the main driver is equity market performance, without the dampening effect that bonds often provide. Compared with very broad “all-in-one” mixes that blend stocks and bonds, this all‑equity stance naturally leans toward higher potential growth and higher volatility. The diversification score being “Moderately Diversified” reflects that, while the stock side is spread across many regions and company types, there’s no cross‑asset balancing. In practice, the portfolio is well diversified within equities but concentrated at the asset class level.
Sectors
- Technology 26%
- Financials 17%
- Industrials 12%
- Consumer Discretionary 11%
- Health Care 7%
- Telecommunications 7%
- Energy 7%
- Consumer Staples 5%
- Basic Materials 5%
- Utilities 2%
- Real Estate 2%
Sector exposure is tilted toward technology at 26%, with financials and industrials following at 17% and 12%. Consumer‑focused areas, health care, telecom, energy, and materials are meaningfully represented, while utilities and real estate sit at lower single‑digit weights. This pattern is broadly consistent with many global equity benchmarks that have become more tech‑heavy over time, especially in the US. Tech concentration can amplify sensitivity to innovation cycles and interest rate expectations, while financials and industrials add exposure to economic growth trends. Overall, the sector mix looks reasonably balanced across the economy, with a clear but not extreme leaning toward growth‑oriented industries.
Regions
- North America 77%
- Europe Developed 9%
- Asia Developed 4%
- Japan 4%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 77% of the portfolio sits in North America, with the remainder spread across developed Europe, Japan, other developed Asia, and smaller allocations to emerging regions. This is a noticeable home bias toward the US and Canada compared with global market weights, where North America usually represents closer to 60%. The rest-of-world positions still give exposure to multiple currencies, economic cycles, and regulatory regimes, which helps broaden diversification beyond a single market. At the same time, portfolio behavior will be strongly influenced by North American conditions, both positive and negative, given the dominant weight in that region.
Market capitalization
- Mega-cap 33%
- Large-cap 29%
- Mid-cap 17%
- Small-cap 12%
- Micro-cap 9%
By market capitalization, the portfolio holds a blend of company sizes: roughly one‑third in mega‑caps, about another third in large‑caps, and the remainder spread over mid, small, and even micro‑caps. That’s broader than a pure large‑cap index and reflects the inclusion of a total‑market ETF plus a dedicated small‑cap value fund. Smaller companies often show more volatile day‑to‑day moves but can behave differently from mega‑caps during specific parts of the economic cycle. This size mix means returns are not driven solely by the largest household‑name companies; a meaningful slice comes from lower‑profile, more domestically focused businesses as well.
True holdings
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NV NVIDIA Corporation 4.41%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- SPDR® Portfolio S&P 1500 Composite Stock Market ETF
-
AA Apple Inc 3.02%
Part of fund(s):- SPDR® Portfolio S&P 1500 Composite Stock Market ETF
-
MS Microsoft Corporation 2.26%
Part of fund(s):- SPDR® Portfolio S&P 1500 Composite Stock Market ETF
-
AV Broadcom Inc 1.85%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- SPDR® Portfolio S&P 1500 Composite Stock Market ETF
-
GO Alphabet Inc Class A 1.81%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- SPDR® Portfolio S&P 1500 Composite Stock Market ETF
-
AM Amazon.com Inc 1.66%
Part of fund(s):- SPDR® Portfolio S&P 1500 Composite Stock Market ETF
-
GO Alphabet Inc Class C 1.45%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- SPDR® Portfolio S&P 1500 Composite Stock Market ETF
-
MU Micron Technology Inc 1.13%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
ME Meta Platforms Inc. 1.06%
Part of fund(s):- SPDR® Portfolio S&P 1500 Composite Stock Market ETF
-
TS Tesla Inc 0.88%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- SPDR® Portfolio S&P 1500 Composite Stock Market ETF
- Top 10 total 19.52%
Looking through to the top holdings across the ETFs, several major US tech and growth names stand out: NVIDIA, Apple, Microsoft, Broadcom, Alphabet, Amazon, Micron, Meta, and Tesla together account for a noticeable slice. Because these companies appear via multiple funds, there is some overlap that increases effective exposure to them. For example, NVIDIA alone makes up about 4.41% of the portfolio in aggregate. This overlap is likely understated, since only ETF top‑10 holdings are included. The implication is that while the portfolio is diversified across thousands of stocks, the very largest names still play an outsized role in short‑term performance.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility is broadly neutral, sitting near 50–60% for each. Factor exposure describes how much a portfolio leans into traits that research has tied to long‑term returns, like cheapness (value) or trend‑following (momentum). Neutral readings mean the overall mix behaves much like a broad market index on these dimensions, despite holding explicit small‑cap value and momentum funds. Those factor tilts are largely tempered by the big core holdings. The result is a well‑balanced factor profile: no strong lean toward any single style, which can help avoid large swings tied to one specific factor cycle.
Risk contribution
-
SPDR® Portfolio S&P 1500 Composite Stock Market ETF
Weight: 50.00% 48.4% -
Avantis All International Markets Equity ETF
Weight: 25.00% 22.0% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 17.1% -
Invesco S&P 500® Momentum ETF
Weight: 10.00% 12.4%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from its weight. The core US total‑market fund is half the allocation and contributes about 48.44% of risk, almost one‑for‑one. The international fund’s risk share (22%) is slightly lower than its 25% weight, suggesting some diversifying benefit. In contrast, the small‑cap value and momentum funds punch above their weight, contributing 17.14% and 12.42% of risk from 15% and 10% allocations. This is typical for more volatile strategies. The top three positions together account for 87.58% of risk, indicating a concentrated but transparent risk structure.
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 chart compares the current portfolio with the best possible mixes of these same four ETFs. The current portfolio has a Sharpe ratio of 1.14, below both the minimum‑variance portfolio (1.35) and the max‑Sharpe portfolio (1.57). A Sharpe ratio measures risk‑adjusted return, like how much “extra” return you get for each unit of volatility versus cash. The portfolio sits about 1.73 percentage points below the frontier at its current risk level, which means that simply reweighting these existing holdings could, in theory, improve the balance between risk and return. Even so, current risk (14.82%) and return (20.95%) are both in a strong zone.
Dividends
- Avantis All International Markets Equity ETF 2.30%
- Avantis® U.S. Small Cap Value ETF 1.60%
- Invesco S&P 500® Momentum ETF 0.70%
- SPDR® Portfolio S&P 1500 Composite Stock Market ETF 1.00%
- Weighted yield (per year) 1.38%
The blended dividend yield sits around 1.38%, with the international ETF offering the highest yield at 2.30%, and the momentum fund the lowest at 0.70%. Dividend yield is the annual cash payout as a percentage of price, similar to rental income on a property. This level indicates that the portfolio is more focused on total return from price movements and factor exposure than on generating a high income stream. For an all‑equity mix tilted toward growthier sectors and strategies, a modest yield is expected. Historically, reinvested dividends have been an important part of equity returns, even when the headline yield looks relatively low.
Ongoing product costs
- Avantis All International Markets Equity ETF 0.31%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco S&P 500® Momentum ETF 0.13%
- SPDR® Portfolio S&P 1500 Composite Stock Market ETF 0.03%
- Weighted costs total (per year) 0.14%
The portfolio’s total expense ratio (TER) averages about 0.14%, with the core US ETF costing only 0.03% and the more specialized strategies a bit higher. TER is the annual fee charged by the funds, expressed as a percentage of assets, and it quietly reduces returns each year. Here, costs are impressively low given the use of factor‑based and international strategies, which often charge more. Over long periods, keeping expenses near this level can make a meaningful difference because every dollar not paid in fees can stay invested and compound. From a cost perspective, this structure aligns well with low‑cost investing best practices.
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