Growth focused global equity portfolio with strong US tilt and blend of index and factor funds
Report created on Jul 10, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 50.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 15.00% -
AV Avantis® Emerging Markets Equity ETF
AVEM - US0250726041 10.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 5.00% -
ID Invesco S&P International Developed Momentum ETF
IDMO - US46138E2220 5.00%
This portfolio is entirely in stocks and built from six equity ETFs, with half in a broad total US market fund. The rest is split across targeted strategies in small‑cap value, momentum, and non‑US stocks, with a noticeable tilt toward more specialized factor funds. This structure keeps things relatively simple while still adding some complexity beyond a plain index approach. Having everything in equities means the portfolio is focused on growth and fully exposed to stock market ups and downs. The mix of a large core holding plus supporting “satellite” positions creates a classic core‑satellite layout, where the core anchors performance and the satellites nudge risk and return in specific directions.
Growth
From late 2019 to mid‑2026, $1,000 in this portfolio grew to about $2,830, a compound annual growth rate (CAGR) of 16.66%. CAGR is like your average speed on a long car trip, smoothing out all the stops and traffic jams. This edged out the US market benchmark at 16.27% and beat the global market at 13.76%, showing historically strong growth. The maximum drawdown, or worst peak‑to‑trough fall, was about –36% during early 2020, slightly deeper than the benchmarks but recovering in roughly five months. Only 25 days made up 90% of total returns, underlining how a small number of strong days drove much of the performance. As always, past returns don’t guarantee similar future results.
Projection
The Monte Carlo projection uses 1,000 simulated paths to estimate where $1,000 invested today might end up in 15 years. Monte Carlo is basically a “what if” engine: it takes patterns from history, adds randomness, and runs them many times to see a range of outcomes. The median result is about $2,634, with a middle band (25th–75th percentile) from roughly $1,801 to $4,320. The wider 5th–95th percentile range stretches from about $987 to $7,752, showing both downside and upside possibilities. The average annual return across all simulations is 8.10% and roughly 73% of paths end positive. These numbers are purely statistical and depend heavily on historical behavior, which may not repeat.
Asset classes
- Stocks 100%
All of this portfolio sits in one asset class: equities. That means there is no built‑in cushion from bonds, cash, or alternative assets that might behave differently when stocks are falling. A 100% stock allocation tends to amplify both long‑term growth potential and short‑term volatility. Compared with more mixed portfolios that include bonds, this structure usually experiences larger swings in value but can grow faster over long timeframes if markets cooperate. Because the ETFs span broad and narrower segments across different regions and company sizes, there is some diversification within equities themselves. Still, when global stock markets move together, the entire portfolio is likely to move with them in the same general direction.
Sectors
- Technology 31%
- Financials 16%
- Industrials 12%
- Consumer Discretionary 10%
- Telecommunications 8%
- Health Care 7%
- Energy 6%
- Consumer Staples 4%
- Basic Materials 4%
- Utilities 2%
- Real Estate 2%
Sector exposure is tilted toward technology at 31%, with financials at 16% and industrials at 12%, while other sectors are in single digits. This is broadly similar to many modern equity benchmarks that are also tech‑heavy, though the tech weight here is still quite prominent. A larger tech share often boosts sensitivity to innovation cycles, earnings surprises, and changes in interest rates, since growth‑oriented businesses can react strongly when borrowing costs or expectations shift. On the positive side, the spread across financials, industrials, consumer areas, and defensive sectors like utilities and staples suggests a reasonably balanced backbone. This alignment with broad market sector patterns supports diversification while still leaving a noticeable tilt toward growth‑oriented industries.
Regions
- North America 81%
- Asia Developed 5%
- Europe Developed 5%
- Asia Emerging 4%
- Japan 3%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 81% of the portfolio is in North America, with the remainder spread across developed Europe and Asia plus smaller allocations to emerging regions. That’s a clear US‑led tilt, stronger than typical global benchmarks where the US usually sits nearer to 60% of total equity weight. A higher North American share means portfolio results are closely tied to the US economy, policy decisions, and dollar movements. At the same time, the allocations to emerging markets and international developed stocks add some diversification benefits, as companies abroad can face different economic cycles and local drivers. This structure leans into the depth and innovation of US markets while still leaving room for gains (and risks) from the rest of the world.
Market capitalization
- Mega-cap 34%
- Large-cap 28%
- Mid-cap 16%
- Small-cap 13%
- Micro-cap 9%
The portfolio spans the full company‑size spectrum: roughly a third in mega‑caps, just over a quarter in large‑caps, and the rest spread across mid, small, and even micro‑cap stocks. This is broader than many simple large‑cap‑only portfolios. Bigger companies tend to offer more stability and liquidity, while smaller firms can be more volatile but have greater room to grow. The 22% combined allocation to small and micro‑caps, supported by specific small‑cap value ETFs, adds a meaningful tilt toward more niche and potentially higher‑beta names. This blend can help avoid overreliance on a narrow set of giants, though it may also make short‑term swings more noticeable compared with a purely large‑cap index approach.
True holdings
-
NV NVIDIA Corporation 4.58%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc. 3.15%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.43%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 2.40%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.30%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.20%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.80%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.74%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.95%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 0.85%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 22.40%
Looking through the ETFs’ top 10 holdings, a handful of large growth names show up prominently: NVIDIA, Apple, Broadcom, Microsoft, Alphabet, Amazon, Meta, Tesla, and others. NVIDIA alone adds up to roughly 4.6% of the portfolio from overlapping funds, with several other mega‑caps each near or above 2%. Because the overlap view only covers ETF top 10 positions, it likely understates total duplication, but it already shows that a relatively small group of big tech and communication companies has significant influence. This kind of hidden concentration is common in modern equity portfolios and can boost returns when these leaders do well, while also tying a noticeable share of performance to their fortunes.
Factors
Factor exposure across value, size, momentum, quality, low volatility, and yield is broadly neutral, meaning it sits close to the market average on all six measures. In factor terms, “neutral” suggests the portfolio isn’t strongly tilted toward or away from any single characteristic. That might seem surprising given the presence of small‑cap value and momentum funds, but they are balanced by the large core US total market ETF and other broad holdings. Factor investing looks at these traits as underlying “ingredients” that explain why different stocks behave differently. Here, the mix results in a well‑balanced profile that should broadly move like a diversified global equity basket rather than acting like a pure value, growth, or momentum specialist.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 50.00% 49.8% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 18.1% -
Invesco S&P 500® Momentum ETF
Weight: 15.00% 15.2% -
Avantis® Emerging Markets Equity ETF
Weight: 10.00% 8.5% -
Invesco S&P International Developed Momentum ETF
Weight: 5.00% 4.3% - Top 5 risk contribution 95.9%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weight. The total US market fund, at 50% weight, contributes about 50% of total risk, so its impact is proportional. The US small‑cap value ETF is 15% of the portfolio but adds over 18% of the risk, indicating it’s somewhat more volatile than average. In contrast, emerging markets and international momentum funds contribute slightly less risk than their weights, helped by diversification effects. The top three holdings together account for about 83% of total portfolio risk, reinforcing that most of the day‑to‑day movement comes from a small set of core positions rather than the smaller satellites.
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 with a Sharpe ratio of 0.68, compared with 0.97 for the optimal mix and 0.79 for the minimum‑variance version, using the same underlying holdings. The Sharpe ratio is a simple way to measure return per unit of risk, after accounting for a risk‑free rate like cash or Treasuries. The portfolio sits about 2.99 percentage points below the efficient frontier at its current risk level, meaning it’s not squeezing the maximum risk‑adjusted return possible from these ETFs. In plain terms, changing only the weights among the existing funds could historically have delivered either higher expected return for similar risk, or similar return with less volatility, according to this model.
Dividends
- Avantis® International Small Cap Value ETF 2.80%
- Avantis® Emerging Markets Equity ETF 1.90%
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco S&P International Developed Momentum ETF 3.70%
- Invesco S&P 500® Momentum ETF 0.70%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Weighted yield (per year) 1.36%
The portfolio’s overall dividend yield is about 1.36%, which is modest and typical for a growth‑tilted equity mix. Yield is highest in the international momentum and international small‑cap value funds, while US momentum and the broad US market ETF have lower payouts. Dividends matter because they are a component of total return, along with price changes, and they can provide a small stream of cash that doesn’t depend on selling shares. Here, the relatively low yield signals that most of the expected payoff is from capital growth rather than income. Over time, reinvested dividends can still make a noticeable difference, but the portfolio is clearly not built around high‑income strategies.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® Emerging Markets Equity ETF 0.33%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco S&P International Developed Momentum ETF 0.25%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.14%
The weighted average total expense ratio (TER) for the portfolio is around 0.14% per year, which is impressively low for a mix that includes both broad index and factor‑tilted funds. TER is the annual fee charged by each ETF, similar to a small ongoing service fee that’s taken directly out of fund assets. The largest holding, the total US market ETF, has an especially low TER of 0.03%, helping pull down the overall cost. Over long periods, keeping fees low can leave more of the portfolio’s gross returns in investors’ hands, as even small percentage differences compound. This cost structure aligns well with best practices for building diversified, market‑based portfolios.
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