Growth focused global equity blend with strong quality and value tilts and modest small cap ballast

Report created on Mar 27, 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

The portfolio is a pure equity mix with five ETFs, tilted toward broad U.S. and international stock markets and enhanced by quality and small‑cap value funds. Around two thirds is in broad “total market” index funds, while the remaining third leans into factor strategies focused on quality and value, including both U.S. and international small caps. This structure keeps things simple but adds some intentional tilts on top of a diversified core. In practice, that means most of the risk and return comes from global stock markets, with the satellite factor funds nudging the behavior toward specific characteristics rather than transforming it completely.

Growth Info

From late 2019 to early 2026, $1,000 grew to about $2,073, a compound annual growth rate (CAGR) of 13.2%. CAGR is the “per year on average” growth rate, smoothing out the bumps. The portfolio slightly lagged the U.S. market but beat the global market, which is a solid outcome given the strong recent run of U.S. large caps. The max drawdown of about -36% shows this is clearly a growth‑oriented, stock‑heavy setup, not a defensive one. Needing only 17 days to generate 90% of returns underlines how missing a few big days could matter, so staying invested through volatility is key for this style.

Asset classes Info

  • Stocks
    100%

All assets sit in stocks, with 0% allocated to bonds, cash, or alternatives. That’s very aligned with a growth‑oriented profile and fits investors comfortable with meaningful swings to pursue higher long‑term returns. The benefit is full participation in equity upside across many companies and regions. The trade‑off is that there’s no built‑in “shock absorber” like bonds or cash to cushion deep market downturns. Compared with more balanced portfolios that might hold 20–40% bonds, this kind of 100% equity setup emphasizes growth over stability. For someone with a long horizon and steady income elsewhere, that can be fine; for shorter horizons or lower risk tolerance, such concentration in stocks can feel rough during bear markets.

Sectors Info

  • Technology
    21%
  • Financials
    17%
  • Industrials
    15%
  • Consumer Discretionary
    11%
  • Health Care
    9%
  • Consumer Staples
    6%
  • Basic Materials
    6%
  • Telecommunications
    6%
  • Energy
    4%
  • Real Estate
    3%
  • Utilities
    2%

Sector allocation is broad, with technology the largest slice at 21%, followed by financials and industrials, and meaningful exposure across consumer, health care, materials, telecom, energy, real estate, and utilities. This looks reasonably balanced and broadly similar to many global equity benchmarks, which is a positive sign for diversification. A tech‑tilt of this size is common today and not extreme, especially given how large tech companies are in global indexes. The main implication is that earnings cycles and policy shifts affecting tech—like interest rate changes or regulation of digital platforms—will matter, but they won’t fully dominate outcomes. Having all major sectors represented helps avoid depending on a single economic story.

Regions Info

  • North America
    64%
  • Europe Developed
    14%
  • Japan
    8%
  • Asia Developed
    5%
  • Asia Emerging
    4%
  • Australasia
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%

Geographically, about 64% sits in North America with the rest spread across developed Europe, Japan, other parts of Asia, emerging markets, and smaller regions. That North American tilt is slightly heavier than a pure global market weight but still within a typical range for U.S.‑based investors. This alignment with global patterns is helpful: it keeps the portfolio anchored to the world economy while letting U.S. markets remain a key driver. The international slice is large enough to benefit when non‑U.S. markets have stronger periods or currency moves favor foreign holdings. The flip side is that returns are still quite tied to U.S. economic and policy cycles, so it isn’t a geographically contrarian stance.

Market capitalization Info

  • Mega-cap
    29%
  • Mid-cap
    25%
  • Large-cap
    24%
  • Small-cap
    15%
  • Micro-cap
    5%

Market cap exposure is nicely spread: mega and large caps together are a bit over half, while mid caps, small caps, and even a small slice of micro caps make up the rest. This mix gives both the stability of established giants and the growth potential of smaller, more volatile companies. Small‑cap value holdings add a particular tilt toward less glamorous but potentially undervalued smaller firms. Compared with a pure large‑cap index, this structure usually increases volatility but can improve long‑term return prospects if smaller companies are rewarded over time. It’s a well‑balanced size profile that avoids being dominated solely by the biggest names while not going all‑in on small or micro caps either.

True holdings Info

  • Apple Inc
    2.29%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard U.S. Quality Factor
  • NVIDIA Corporation
    2.10%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    1.50%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    1.04%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.03%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Alphabet Inc Class A
    0.93%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    0.78%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    0.73%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    0.72%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    0.58%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 11.71%

Looking through ETF top holdings, the largest underlying exposures are familiar mega‑cap names like Apple, NVIDIA, Microsoft, Amazon, and major platform companies. No single company dominates the combined exposure; even Apple is only about 2.3% in total, which is modest for a top name. There is some overlap where the same giants appear in multiple ETFs, but the broad market structure keeps that overlap at reasonable levels. Since only top‑10 holdings are captured, hidden overlap may be somewhat higher, yet still diversified across many names. This kind of diversified mega‑cap exposure tends to behave similarly to the overall market rather than hinging on one or two individual companies.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 18%
Size
Exposure to smaller companies
Very high
Data availability: 70%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Very high
Data availability: 18%
Yield
Preference for dividend-paying stocks
No data
Data availability: 0%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure shows strong tilts toward value, size, and quality, with moderate momentum and low volatility characteristics. Factors are like underlying “traits” of stocks—such as being cheap (value), smaller (size), or financially robust (quality)—that research has linked to long‑term returns. Here, the value and size tilts mean more exposure to smaller, cheaper companies than a neutral market; the quality tilt adds a bias toward firms with stronger balance sheets or profitability. That combination tends to hold up relatively well across different environments, though it can lag when expensive growth names dominate. Neutralish momentum and only moderate low‑volatility exposure suggest the portfolio won’t behave like a defensive or trend‑chasing strategy; it’s more of a durable, fundamentals‑oriented growth approach.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 34.00%
    34.7%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 30.00%
    27.1%
  • Vanguard U.S. Quality Factor
    Weight: 18.00%
    19.5%
  • Vanguard Small-Cap Value Index Fund ETF Shares
    Weight: 9.00%
    10.6%
  • Avantis® International Small Cap Value ETF
    Weight: 9.00%
    8.1%

Risk contribution measures how much each ETF drives overall portfolio ups and downs, which can differ from simple weights. Here, the three largest funds—U.S. total market, international total market, and U.S. quality—contribute over 80% of total risk, very similar to their combined allocation. That means risk is broadly aligned with capital, which is a healthy sign. The small‑cap value funds add slightly more risk than their weights, as expected for more volatile segments, but not in an outsized way. Nothing jumps out as a tiny position taking on a huge share of risk. If risk ever felt too concentrated in one region or style, adjusting the weights of these bigger core funds would be the most effective lever.

Redundant positions Info

  • Vanguard Small-Cap Value Index Fund ETF Shares
    Vanguard U.S. Quality Factor
    High correlation

Correlation looks at how funds move together; highly correlated assets don’t diversify each other much during market stress. The small‑cap value ETF and the U.S. quality factor ETF show especially high correlation, which makes sense since both are U.S. equity and share some underlying drivers. That means owning more of one and less of the other may not change portfolio risk as much as it appears on paper. Overall, because everything here is equity, correlations across the whole lineup will be relatively high, especially in big sell‑offs. The key value of diversification in this setup mainly comes from different regions, company sizes, and factor tilts rather than from fundamentally different asset classes.

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, the current portfolio has an expected return of 13.3% with volatility around 19.6% and a Sharpe ratio of 0.58. The efficient frontier shows that, using the same funds but different weights, it’s possible to reach a higher Sharpe ratio; the optimal mix achieves about 15.24% return with slightly lower risk. A “same‑risk optimized” point suggests that at roughly the current risk level, expected return could be closer to 15.3%. Being below the frontier means the existing weights are good but not maxing out risk‑adjusted potential. Without adding new products, simply tweaking how much each current ETF represents could move the mix closer to that more efficient zone over time.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.10%
  • Vanguard Small-Cap Value Index Fund ETF Shares 1.90%
  • Vanguard U.S. Quality Factor 1.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • Weighted yield (per year) 1.97%

The blended dividend yield of about 1.97% is modest but meaningful for an equity‑only mix. Some holdings, especially the international and small‑cap value ETFs, offer higher yields above 3%, while quality and broad U.S. market funds sit closer to 1–1.2%. Dividends can provide a small but steady stream of cash that helps total return and can be reinvested automatically to buy more shares over time. With a growth‑tilted approach like this, dividends are a nice bonus rather than the main attraction. Investors focused on income might want higher yields elsewhere, but for long‑term compounding, reinvesting these moderate dividends can quietly add up over decades.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard U.S. Quality Factor 0.13%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.09%

Total costs are impressively low, with an overall expense ratio around 0.09%. That’s well below what many active funds charge and firmly in “cost‑efficient” territory. Low fees matter because they come off returns every single year, like a small drag on a moving car; shaving even a few tenths of a percent can compound into a significant difference over long periods. The slightly higher fee on the specialized international small‑cap value ETF is typical for niche strategies, but its small weight keeps the overall cost low. This cost structure strongly supports better long‑term outcomes and aligns with best practices for a broadly diversified, index‑heavy portfolio.

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