Globally diversified all equity mix with efficient structure and balanced factor tilts for growth
Report created on Apr 4, 2026Risk 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
-
AV Avantis All Equity Markets ETF
AVGE - US0250722321 20.00% -
AV American Century ETF Trust
AVGV - US0250722164 20.00% -
DF Dimensional ETF Trust
DFAW - US25434V6175 20.00% -
SP SPDR Portfolio MSCI Global Stock Market
SPGM - US78463X4759 20.00% -
VT Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 20.00%
The portfolio is a simple but thoughtful five‑fund mix, with each ETF at an even 20%. Everything is in broadly diversified equity funds, combining two total world ETFs with three factor‑oriented global equity strategies. That 100% stock exposure lines up with a growth focus, while the equal weights avoid any single fund dominating. Structurally this is very clean: no small “satellite” bets, no complexity, and no hidden leverage. For many investors, a straightforward core like this is easier to stick with through ups and downs, which is often more important than squeezing out tiny extra returns with lots of moving parts.
Growth
Over the recent period, $1,000 grew to about $1,593, giving a compound annual growth rate (CAGR) of 20.47%. CAGR is like your “average speed” over the full journey, smoothing out the bumps. That edges out both the US market and the global market by a small amount while having a smaller max drawdown than the US and similar to global. The worst drop was about -16.8% and recovered within a few months, showing resilience. Returns were also concentrated in just 19 strong days, which is typical for equities and underscores why staying invested instead of timing markets is so important.
Projection
The Monte Carlo projection runs 1,000 simulated futures based on historical patterns, effectively “re‑rolling” market dice many times to see a range of outcomes. The median path turns $1,000 into about $2,712 over 15 years, with an overall average annualized return of 8.08%. That’s a solid long‑run expectation for an all‑equity mix, but the range is wide: roughly $1,051 to $7,570 in the middle 90% of scenarios. This spread shows that while growth potential is high, outcomes are uncertain. It’s a reminder that even well‑designed portfolios can experience weaker decades than the backtest suggests.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with 0% in bonds, cash, or alternatives. That’s a very deliberate choice: equities historically offer higher long‑term returns but come with larger swings. For someone who can handle volatility and doesn’t need to tap the money soon, this can be a rational trade‑off. For shorter horizons or lower risk tolerance, mixing in bonds or cash typically smooths the ride and can reduce the depth of drawdowns. The key takeaway is that this structure assumes the investor is willing to ride through market downturns without needing to sell during stress.
Sectors
- Technology 20%
- Financials 18%
- Industrials 14%
- Consumer Discretionary 11%
- Energy 8%
- Health Care 8%
- Telecommunications 7%
- Basic Materials 5%
- Consumer Staples 5%
- Real Estate 2%
- Utilities 2%
Sector exposure is broadly spread, with technology at 20%, financials at 18%, and industrials at 14%, followed by meaningful allocations to consumer, energy, health care, and telecom. This is fairly close to global equity benchmarks, which is a positive sign for diversification. There isn’t an extreme tilt toward any niche area; instead, the portfolio participates in a wide range of economic drivers, from growth‑oriented tech to more cyclical and defensive industries. That balance means the portfolio is unlikely to be overly exposed to one type of shock, like only interest‑rate‑sensitive or only commodity‑driven sectors.
Regions
- North America 67%
- Europe Developed 13%
- Japan 6%
- Asia Developed 5%
- Asia Emerging 5%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about two‑thirds of the portfolio sits in North America, with the rest diversified across developed Europe, Japan, other developed Asia, and a small slice in emerging markets. That US‑heavy but global mix is very similar to mainstream global indices, which is generally a good benchmark to anchor to. The benefit is that performance is tied primarily to one large, stable market while still giving exposure to growth and valuation opportunities abroad. Currency and political risks are spread across multiple regions, but the home‑bias toward North America means results will still be closely linked to that economy.
Market capitalization
- Mega-cap 32%
- Large-cap 28%
- Mid-cap 24%
- Small-cap 11%
- Micro-cap 4%
Market‑cap exposure is nicely tiered: roughly 32% mega‑cap, 28% large‑cap, 24% mid‑cap, 11% small‑cap, and 4% micro‑cap. That’s broader than many simple index portfolios that lean almost entirely on mega and large companies. Including smaller firms increases diversification and can boost long‑term returns, since smaller companies historically have had higher growth but more volatility. The key is that no size segment dominates, so performance isn’t fully dictated by the very largest names. This spread helps balance stability from giants with potential upside from smaller, more nimble businesses around the world.
True holdings
-
AA Apple Inc 2.80%
Part of fund(s):- American Century ETF Trust
- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Avantis All Equity Markets ETF
- Avantis® U.S. Equity ETF
- Dimensional ETF Trust
- Dimensional U.S. Core Equity 2 ETF
- SPDR Portfolio MSCI Global Stock Market
- Vanguard Total World Stock Index Fund ETF Shares
-
NV NVIDIA Corporation 2.72%
Part of fund(s):- Avantis All Equity Markets ETF
- Avantis® U.S. Equity ETF
- Dimensional ETF Trust
- Dimensional U.S. Core Equity 2 ETF
- SPDR Portfolio MSCI Global Stock Market
- Vanguard Total World Stock Index Fund ETF Shares
-
MS Microsoft Corporation 1.89%
Part of fund(s):- Avantis All Equity Markets ETF
- Avantis® U.S. Equity ETF
- Dimensional ETF Trust
- Dimensional U.S. Core Equity 2 ETF
- SPDR Portfolio MSCI Global Stock Market
- Vanguard Total World Stock Index Fund ETF Shares
-
AM Amazon.com Inc 1.64%
Part of fund(s):- American Century ETF Trust
- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Avantis All Equity Markets ETF
- Avantis® U.S. Equity ETF
- Dimensional ETF Trust
- Dimensional U.S. Core Equity 2 ETF
- SPDR Portfolio MSCI Global Stock Market
- Vanguard Total World Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.22%
Part of fund(s):- American Century ETF Trust
- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Avantis All Equity Markets ETF
- Avantis® U.S. Equity ETF
- Dimensional ETF Trust
- Dimensional U.S. Core Equity 2 ETF
- SPDR Portfolio MSCI Global Stock Market
- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.13%
Part of fund(s):- Avantis All Equity Markets ETF
- Avantis® U.S. Equity ETF
- Dimensional ETF Trust
- Dimensional U.S. Core Equity 2 ETF
- SPDR Portfolio MSCI Global Stock Market
- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 0.95%
Part of fund(s):- Avantis All Equity Markets ETF
- Avantis® U.S. Equity ETF
- Dimensional ETF Trust
- Dimensional U.S. Core Equity 2 ETF
- SPDR Portfolio MSCI Global Stock Market
- Vanguard Total World Stock Index Fund ETF Shares
-
AV American Century ETF Trust 0.69%
Part of fund(s):- Avantis All Equity Markets ETF
-
XO Exxon Mobil Corp 0.65%
Part of fund(s):- American Century ETF Trust
- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Avantis All Equity Markets ETF
- Avantis® U.S. Equity ETF
- Dimensional ETF Trust
- Dimensional U.S. Core Equity 2 ETF
-
AV Broadcom Inc 0.58%
Part of fund(s):- Dimensional ETF Trust
- SPDR Portfolio MSCI Global Stock Market
- Vanguard Total World Stock Index Fund ETF Shares
- Top 10 total 14.28%
Looking through the ETFs, the biggest underlying positions are familiar mega‑cap names like Apple, NVIDIA, Microsoft, Amazon, Meta, Alphabet, and Exxon. None of these exceed 3% of the total portfolio, even accounting for overlap across ETFs, which keeps single‑company risk moderate. There is some clustering in large US tech and communication names, but that largely reflects the global equity market itself. Because only the top 10 holdings of each ETF are captured, true diversification is actually broader than shown. This kind of spread helps ensure that no single stock’s bad year is likely to derail long‑term results.
Factors
Factor exposure shows high tilts to value, size, and low volatility, with neutral readings for momentum, quality, and yield. Factors are like underlying “characteristics” that drive returns: value means cheaper stocks, size means smaller companies, and low volatility means steadier price movements. Together, this suggests a style that favors reasonably priced, smaller, and somewhat calmer stocks rather than chasing the flashiest growth names. Historically, combinations like this have often delivered good risk‑adjusted returns, especially during periods when expensive market darlings come under pressure. The mix looks intentional and well‑balanced rather than narrowly focused on any single style.
Risk contribution
-
American Century ETF Trust
Weight: 20.00% 20.5% -
Avantis All Equity Markets ETF
Weight: 20.00% 20.2% -
SPDR Portfolio MSCI Global Stock Market
Weight: 20.00% 19.9% -
Dimensional ETF Trust
Weight: 20.00% 19.8% -
Vanguard Total World Stock Index Fund ETF Shares
Weight: 20.00% 19.7%
Risk contribution is very even: each ETF is 20% of the weight and contributes about 20% of total volatility, with only tiny differences. Risk contribution shows how much each position drives the portfolio’s overall ups and downs, which can diverge from simple weights if something is especially volatile. Here, nothing is punching far above its size, which is a sign of a well‑proportioned design. The top three funds together drive about 60% of risk, but that simply reflects their 60% combined weight. There’s no single “problem child” ETF dominating the behaviour of the portfolio.
Redundant positions
-
High correlationAvantis All Equity Markets ETFDimensional ETF TrustAmerican Century ETF TrustVanguard Total World Stock Index Fund ETF SharesSPDR Portfolio MSCI Global Stock Market
The ETFs in this portfolio are highly correlated with each other, meaning they tend to move in the same direction at similar times. That’s expected for global equity funds that largely track the same broad opportunity set, even if some use factor tilts. High correlation limits the amount of risk reduction you get from holding multiple funds; it’s more about gaining style and implementation diversity than classic diversification. The upside is that, despite similar movements, different managers and factor tilts can smooth performance on the margin. But in a major stock downturn, everything here is likely to fall together.
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 sits right on or very close to the efficient frontier. The efficient frontier is the curve showing the best return you could historically have achieved for each risk level using only these holdings in different weightings. The current Sharpe ratio of 1.08 is a bit lower than the optimal mix’s 1.31, but that optimal point only slightly tweaks risk and return. Given how close the allocations already are to the frontier, the portfolio is behaving efficiently. Any improvements from reweighting would likely be incremental rather than transformational.
Dividends
- Avantis All Equity Markets ETF 1.80%
- American Century ETF Trust 2.10%
- Dimensional ETF Trust 1.40%
- SPDR Portfolio MSCI Global Stock Market 1.90%
- Vanguard Total World Stock Index Fund ETF Shares 1.80%
- Weighted yield (per year) 1.80%
The overall dividend yield is about 1.8%, with individual ETFs ranging from 1.4% to 2.1%. That’s modest but in line with many broad global equity portfolios today. Dividends are cash payments from companies and can be an important part of total return over long periods, even if they don’t look dramatic year to year. For a growth‑oriented, all‑equity strategy, a lower yield is not a problem; it usually means more profits are being reinvested back into businesses. Investors focused on income would normally combine this kind of equity exposure with other, higher‑yielding assets to meet cash‑flow needs.
Ongoing product costs
- Avantis All Equity Markets ETF 0.23%
- American Century ETF Trust 0.26%
- Dimensional ETF Trust 0.25%
- SPDR Portfolio MSCI Global Stock Market 0.09%
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- Weighted costs total (per year) 0.18%
The weighted average total expense ratio (TER) is 0.18%, with the cheapest ETF at 0.07% and the priciest at 0.26%. TER is the annual fee taken by the funds to cover management and operations, and it quietly eats into returns every year. In this case, the cost level is impressively low for a portfolio that blends broad market exposure with more advanced factor strategies. Staying under 0.20% provides a strong structural tailwind, especially over decades as those small savings compound. From a cost perspective, this setup is firmly in “best practices” territory and doesn’t need much improvement.
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