Index core with a mild identity crisis between small value nerd and mega tech fanboy
Report created on Aug 4, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 47.06% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 23.53% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 17.65% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 11.76%
Structurally this portfolio is a basic three‑fund setup that drunkenly invited NASDAQ to the party at the last minute. Half in total US, almost a quarter in total international, plus a chunky 18% tilt to small value and another 12% to mega‑cap growth via the NASDAQ 100. It’s like mixing black coffee with Red Bull and calling it a balanced breakfast. The core is boring, broad, and sensible, then the satellites pull it in opposite directions. The result is “total market… but louder,” not clearly growth, not clearly value, just confidence that outpacing a plain index must involve extra moving parts.
Growth
Historically, this thing basically hugged the US market and then tripped over its own shoelaces by 0.11% a year. CAGR of 15.01% versus 15.12% for the US benchmark is the investing version of sprinting just to finish one step behind the couch potato index fund. Yes, it smoked the global market by almost 2% a year, but that’s mostly because it’s heavily US‑tilted anyway. Max drawdown of about -25% is standard “equities hurt sometimes,” not heroic resilience. And needing 15 months to crawl back from the 2022 slump shows that the extra complexity didn’t buy any magical shock absorbers. Past data helps, but it’s still yesterday’s weather report.
Projection
The Monte Carlo projection basically says, “Yeah, this is an equity portfolio; expect a roller coaster, not a tram ride.” Monte Carlo is just a fancy way of running thousands of what‑if scenarios using past volatility and returns, like simulating a thousand alternate timelines of this portfolio’s life. Median $2,644 from $1,000 after 15 years with an 8.12% average annualized return is respectable but hardly world‑dominating. The 5th percentile at $945 cheerfully reminds that breaking even after 15 years is absolutely on the menu. On the flip side, $7,992 at the 95th percentile is the dream. The spread is wide enough to show this is full‑fat risk, not a “balanced” comfort blanket.
Asset classes
- Stocks 100%
Asset class breakdown is easy: 100% stocks, 0% subtlety. For something tagged “Balanced Investors” with a 4/7 risk score, this looks more like “stocks all the way down and hope nothing breaks.” There’s zero ballast here — no bonds, no cash, nothing that tries to be boring on purpose. That’s fine if the goal is pure growth, but the label “balanced” is doing some heavy marketing work. When everything is equities, every tantrum from markets hits the whole portfolio at once. Asset allocation is supposed to be the big lever; here it’s basically welded into the “more stocks” position.
Sectors
- Technology 30%
- Financials 16%
- Industrials 11%
- Consumer Discretionary 11%
- Health Care 7%
- Telecommunications 7%
- Energy 5%
- Consumer Staples 5%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector-wise, this portfolio clearly believes in the tech overlords: roughly 30% in technology is borderline fan fiction. Then it sprinkles in financials, industrials, and consumer discretionary like it’s trying to look diversified for the camera. This isn’t crazy concentrated, but the leadership is obvious — growthy, cyclical areas dominate, while defensives like utilities and staples are relegated to rounding errors at 2–5%. Compared to broad indexes, the tilt toward tech is noticeable, especially with the NASDAQ slice amplifying the effect. When tech sneezes, this portfolio is catching the full flu, not just a light cough. Sector diversification exists, but it’s not exactly even‑handed.
Regions
- North America 78%
- Europe Developed 9%
- Asia Developed 4%
- Japan 4%
- Asia Emerging 3%
- Australasia 1%
- Latin America 1%
- Africa/Middle East 1%
Geographically, this is very much “America first and maybe we’ll glance at the rest of the planet later.” Around 78% in North America means the so‑called “total international” slice mostly serves as garnish. Europe and Japan barely register, and emerging markets get the pocket change treatment at 3% Asia Emerging and 1% each for Latin America and Africa/Middle East. It’s a classic US‑home‑bias setup wrapped in a worldliness costume. Whenever the US leads, this looks genius; if the US lags, the portfolio has basically pre‑committed to pretending other markets don’t exist in meaningful size. Global diversification is technically present, but it’s more token than conviction.
Market capitalization
- Mega-cap 36%
- Large-cap 25%
- Mid-cap 15%
- Small-cap 12%
- Micro-cap 10%
The market cap mix looks like someone started with a broad index and then got tempted by the “spicy” section. Mega and large caps still dominate at 36% and 25%, so it’s not off the rails, but the extra kick from 12% small‑cap and 10% micro‑cap is noticeable. That Avantis small value holding is dragging the portfolio down the size spectrum whether it wants to or not. This combo can be fun when smaller names are in favor, but they also tend to get punched first in a downturn. The end result is a portfolio that pretends to be plain vanilla but has some unexpected jalapeños mixed in.
True holdings
-
NV NVIDIA Corporation 3.90%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc. 3.71%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.45%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.99%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.74%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.52%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.42%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 1.38%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.11%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.99%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 20.20%
Look‑through reveals the usual suspects staging a quiet coup: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, TSMC… basically the “who’s who” of mega‑cap tech and growth. NVIDIA and Apple alone are close to 4% each, and that’s just what shows up in the limited top‑10 window. You’ve stacked NASDAQ 100 on top of a total US fund, so those names appear more than once — the classic overlap trap. It’s like ordering the sampler platter and then adding a side of the exact same dish. The portfolio thinks it’s diversified across funds; under the hood, a handful of giants are calling more shots than the ticket list suggests.
Factors
Factor profile is hilariously neutral given how opinionated the holdings look. Everything hovers around 50–58% — basically “market‑like” across value, size, momentum, quality, yield, and low volatility. Factor exposure is the ingredient list behind performance, and here the label basically reads “generic blend.” Despite the intentional small‑cap value tilt and explicit NASDAQ growth love, they largely cancel each other out, leaving a middle‑of‑the‑road factor soup. The upside is no accidental extreme bet on one style; the downside is all that clever tilting produces something that behaves suspiciously similar to a broad index. A lot of effort for “congratulations, you recreated ‘meh’.”
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 47.06% 46.3% -
Avantis® U.S. Small Cap Value ETF
Weight: 17.65% 20.3% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 23.53% 19.6% -
Invesco NASDAQ 100 ETF
Weight: 11.76% 13.8%
Risk contribution numbers confirm the obvious: the big core funds are driving the bus, and the satellites are just fiddling with the radio. The total US fund is 47% of weight and about 46% of risk — perfectly proportional and absolutely in charge. The small‑cap value ETF is only 18% by weight but punches to 20% of total risk, slightly overachieving in the volatility department. NASDAQ at 12% of weight causing nearly 14% of risk is also doing a bit more drama than its size suggests. Top three positions owning 86% of risk means the portfolio’s emotional state is effectively tied to a few broad funds and their overlapping bets.
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, this portfolio actually behaves like it knows what it’s doing. The current allocation sits right on or very near the efficient frontier, meaning for these specific ingredients, you’re using them in a reasonably smart ratio. The Sharpe ratio of 0.68 isn’t winning prizes versus the max‑Sharpe version at 0.91, but that optimal mix also cranks risk from 17.09% to 20.92%, so it’s not a free lunch. The minimum variance portfolio is slightly calmer but gives up a lot of return. So structurally, for an all‑equity setup, the trade‑off between risk and return is actually dialed in decently. Annoyingly competent, given the chaos under the hood.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.20%
- Invesco NASDAQ 100 ETF 0.50%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.60%
- Weighted yield (per year) 1.40%
The yield at 1.40% is basically a polite “don’t expect much” from the income side. The international fund tries hardest with 2.60%, while the NASDAQ sleeve coughs up a hilarious 0.50%, which is what you get when you invite growth stocks to an income party. This portfolio clearly doesn’t care about cash flow; it’s relying on price appreciation to do the heavy lifting. Dividends are a tiny side quest here, not the main story. If someone looked at this and thought “income strategy,” the numbers would disagree pretty loudly. This is a total return, reinvest‑and‑ride‑the‑volatility type of setup, whether labeled that way or not.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- 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%
Costs are the one area where this portfolio behaves like a responsible adult. A total TER of 0.09% is impressively low — like you accidentally picked the cheap options while meaning to overpay. Even the “expensive” piece at 0.25% is still modest by active‑tilt standards, and the big Vanguard chunks at 0.03–0.05% are practically paying you in smugness. There’s nothing to roast hard here: you’re not lighting money on fire via fees. If anything, the funniest bit is that such a low‑cost structure still ends up mimicking a broad index so closely. All this efficiency in service of reinventing the wheel… as a wheel.
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