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Factor nerd’s growth portfolio that forgot to rebalance its way onto the efficient frontier

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

This setup looks like someone read three smart investing books and then stopped halfway through the chapter on refinement. You’ve got five equity ETFs, all growth-tilted, with a big generic US core (35%), a chunky US quality slice (20%), plus two small-cap value hammers and one broad international fund all at an oddly symmetrical 15% each. It’s like you diversified by vibes and round numbers. The structure is coherent but clunky: lots of equity risk, smart-factor tilts, yet no balancing act to smooth anything out. Takeaway: the skeleton is solid, but the weights scream “set once and ignore,” leaving return on the table and risk not fully tamed.

Growth Info

Historically, $1,000 turning into $2,129 since 2019 is nothing to cry about, but let’s not pretend it’s heroic. A 13.69% CAGR (Compound Annual Growth Rate = your average speed on this roller coaster) slightly lagged the US market at 14.38%, while beating the global market at 11.92%. So you basically took a growthy US tilt and then handicapped yourself just enough to trail the simple “own the US and chill” option. Max drawdown at -37.53% versus -33–34% for the benchmarks tells you the pain was deeper while the payoff was only mediocre-better than global. Past data is yesterday’s weather: helpful, not prophetic, but this track record says “close, but not optimized.”

Asset classes Info

  • Stocks
    100%

Asset classes: 100% stocks, 0% everything else. This is not asset allocation; this is an equity obsession with commitment issues toward bonds, cash, or anything that doesn’t move like a caffeinated squirrel. For a “Growth” profile, that’s defensible, but it also means every crash slaps you in full HD with no shock absorbers. There’s no ballast, no diversifier, just “number go up… hopefully.” Takeaway: if the time horizon is long and stomach is made of steel, fine. But anyone expecting smoother sailing from this is kidding themselves — this is an all-gas, no-brakes setup, by design.

Sectors Info

  • Technology
    20%
  • Financials
    16%
  • Industrials
    16%
  • Consumer Discretionary
    12%
  • Health Care
    9%
  • Basic Materials
    6%
  • Consumer Staples
    6%
  • Telecommunications
    5%
  • Energy
    5%
  • Real Estate
    3%
  • Utilities
    2%

Sector-wise, you’ve basically recreated a slightly nerdier version of a broad market index. Tech at 20% isn’t insane, but with all the mega-cap overlap, your “tech plus tech-adjacent” risk is definitely louder than the pie chart says. Financials and industrials at 16% each, then consumer discretionary at 12%, round out a very cyclical tilt: you’re betting more on economic sunshine than on defensive boredom. Health care, staples, utilities, and real estate are all supporting characters, not leads. Takeaway: this is an economically sensitive portfolio — great in good times, sulky in recessions. Just don’t act surprised when drawdowns feel worse than a more defensive mix.

Regions Info

  • North America
    73%
  • Europe Developed
    11%
  • Japan
    7%
  • Asia Developed
    3%
  • Asia Emerging
    2%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, this is “USA with guest appearances.” North America at 73% says you believe in home-field advantage, or at least in US dominance, while developed Europe and Japan together limp along around 18%. Emerging markets barely register, like a background extra in a blockbuster. For a US-based investor, the home bias is normal, but you’re still making a pretty loud bet that the US isn’t just the past winner, but the future one too. Takeaway: if the rest of the world actually outperforms for a decade (it does that occasionally), this setup will feel stubborn, not strategic. The global allocation is okay, but definitely not adventurous.

Market capitalization Info

  • Mid-cap
    28%
  • Mega-cap
    23%
  • Large-cap
    21%
  • Small-cap
    21%
  • Micro-cap
    7%

The market cap mix is where things get more interesting and a bit chaotic. Mega-cap 23% and large-cap 21% keep you anchored in the big leagues, but mid-cap at 28% and small-cap at 21%, plus 7% micro-cap, say you enjoy some turbulence. Those small and micro slices are where volatility and weirdness live — great for long-run return potential, not great for anyone who checks their account daily. Takeaway: this is a size tilt on purpose or by accident, leaning into smaller companies for extra juice. Expect sharper swings and longer periods of “why is this underperforming everything on CNBC?” before it pays off.

True holdings Info

  • Apple Inc
    2.38%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard U.S. Quality Factor
  • NVIDIA Corporation
    2.16%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    1.54%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    1.07%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    0.96%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    0.80%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    0.76%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    0.75%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    0.60%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.51%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Top 10 total 11.53%

The look-through holdings scream “I love factors, but I also really love the usual mega-cap celebrities.” Apple, Nvidia, Microsoft, Amazon, Alphabet (twice), Meta, Tesla, Broadcom, TSMC — it’s the standard US megacap fan club. These names show up because your broad US and quality ETFs all pile into the same stars, so you’re more concentrated in the big dogs than the ETF list suggests. Hidden overlap means one earnings disaster in a mega-cap could ripple across several funds at once. Overlap is likely understated since only top-10s are visible, so the true concentration is higher. Takeaway: you’re more “US mega-tech plus factors” than the clean diversified narrative suggests.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 30%
Size
Exposure to smaller companies
Very high
Data availability: 85%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Very high
Data availability: 20%
Yield
Preference for dividend-paying stocks
No data
Data availability: 0%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Your factor profile is basically “value, size, and quality walked into a bar and momentum showed up halfway.” Value 85%, size 85%, quality 85% — that’s a serious tilt toward cheaper, smaller, but not-garbage companies. Momentum at 48% and low volatility at 53% sit in the middle, so you’re not totally chasing recent winners or hiding in slow movers. Factor exposure is like the ingredient label on your portfolio: you’re clearly leaning into academic-factor-nerd land. The catch: factor cycles can be brutal; value and small caps can underperform for years while you question life choices. Takeaway: this is a smart but stubborn configuration that requires patience, not performance-chasing.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 35.00%
    34.9%
  • Vanguard U.S. Quality Factor
    Weight: 20.00%
    21.4%
  • Vanguard Small-Cap Value Index Fund ETF Shares
    Weight: 15.00%
    17.6%
  • Avantis® International Small Cap Value ETF
    Weight: 15.00%
    13.1%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 15.00%
    13.0%

Risk contribution reveals which holdings are actually shaking the portfolio, not just sitting there looking big. Your top holding, the total US market ETF at 35%, contributes 34.92% of risk — fair. The US quality ETF at 20% contributes 21.39%, slightly punchy but reasonable. The small-cap value ETF at 15% pulling 17.58% of risk is where volatility starts barking louder. International small-cap value and broad international both under-pull risk relative to weight, which is mildly respectable. Still, the top three positions drive nearly 74% of total risk, so the rest are just backup dancers. Takeaway: trimming or re-weighting those top slices could make things smoother without changing what you own.

Redundant positions Info

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

You’ve got highly correlated buddies in small-cap value and US quality, which is slightly hilarious because on paper they’re supposed to be different flavors. Correlation just means they tend to move together — in a crash, they likely fall together too, so you don’t get as much diversification as the ticker symbols suggest. Highly correlated assets are like having five smoke alarms in one room and none in the kitchen: looks safe until something actually burns. Takeaway: when funds march in lockstep, you’re paying for multiple wrappers around the same underlying risks. Different label doesn’t always mean different behavior.

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 portfolio is that kid sitting below the front row in the class photo — close, but not quite where it could be. Current Sharpe ratio (return per unit of risk) is 0.59, while the optimal mix using the same ingredients hits 0.75. That’s a big gap for just reweighting, no new funds needed. Even at the same risk level, a better allocation could push expected return from 13.84% to about 15.30%. Translation: you’re carrying more risk than necessary for the payoff you’re getting. The efficient frontier is politely screaming, “Rebalance me properly and stop leaving free efficiency on the table.”

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) 1.86%

A 1.86% total yield is firmly in the “nice pocket money, not a real income strategy” zone. The international value slices pull their weight at around 3%, while the US-focused and quality funds be like, “Here, have a little something, but don’t expect rent money.” This is clearly a total-return build, not a dividend junkie’s paradise. Nothing wrong with that, just don’t pretend the yield will cover meaningful cash needs. Takeaway: if future withdrawals are a thing, the plan here is to sell shares, not live off payouts. Dividends are a side dish, not the main course.

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) 0.11%

Costs are where you accidentally did something almost annoyingly right. A total TER of 0.11% is dirt cheap for a portfolio this factor-heavy. The priciest piece is the Avantis international small cap value at 0.36%, which is basically the “artisan” option in an otherwise Costco cart, but even that’s reasonable for what it targets. The rest of the lineup sits deep in low-fee Vanguard land. Takeaway: at least you’re not donating performance to fees. If returns disappoint, you won’t be able to blame expenses — it’ll be the actual investment choices, which is both empowering and slightly unforgiving.

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