Globally diversified growth portfolio with strong value tilt and efficient blend of broad and factor funds
Report created on Apr 15, 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
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VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 40.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 7.50% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 7.50%
The portfolio is 100% in stocks, split across five ETFs that mix broad market exposure with targeted tilts. Roughly 70% is in total market index funds, giving a solid diversified backbone, while 30% leans into small cap value and large cap growth. Being fully in equities means higher expected long‑term growth but also bigger swings along the way. This structure fits a growth mindset: a broad base for stability, with satellites aimed at boosting returns. The key takeaway is that this is an aggressive, equity‑only setup that relies on time horizon and staying power through volatility rather than seeking stability from bonds or cash.
Growth
From late 2019 to early 2026, $1,000 grew to about $2,350, a compound annual growth rate (CAGR) of 14.01%. CAGR is like your “average speed” over the whole trip, smoothing out bumps. The portfolio lagged the U.S. market by 1.21% per year but beat the global market by 1.09% per year, which is a solid result. The max drawdown of -36.51% during COVID was deeper than many people are comfortable with, but it recovered in about five months, which is reassuring. This pattern shows strong growth potential but also real downside shocks that require emotional and financial resilience.
Projection
The Monte Carlo projection uses historical return and volatility patterns to simulate thousands of possible 15‑year paths for $1,000. Think of it as rolling the dice many times to see a range of outcomes, not a single prediction. The median result of about $2,788 implies roughly 8.02% annualized across all simulations, with a wide “likely” band from around $1,805 to $4,102. There’s roughly a 74% chance of ending with more than you started. The key caveat is that these simulations assume the future rhymes with the past; they can’t foresee regime shifts, policy changes, or new crises, so the results are guideposts, not promises.
Asset classes
- Stocks 100%
All of the money is in stocks, with no allocation to bonds, cash, or alternatives. That keeps the expected long‑term return higher but removes the natural shock absorbers that defensive assets can provide during market stress. A 100% equity allocation often makes sense for long horizons and higher risk tolerance, but drawdowns like the -36.51% seen historically are part of the deal. Compared with more balanced portfolios, this one trades stability for growth potential. Anyone using a setup like this usually needs separate cash or safer assets elsewhere for emergencies and near‑term goals so they’re not forced to sell in a downturn.
Sectors
- Technology 22%
- Financials 17%
- Industrials 13%
- Consumer Discretionary 12%
- Health Care 8%
- Telecommunications 7%
- Energy 6%
- Basic Materials 6%
- Consumer Staples 5%
- Utilities 2%
- Real Estate 2%
Sector exposure is quite balanced, with technology at 22% but not dominating, and meaningful allocations to financials, industrials, consumer discretionary, health care, and others. This lines up reasonably well with broad global benchmarks, which is a positive sign for diversification. A tech‑leaning tilt via the growth exposure is present but not extreme. In practice, this means the portfolio benefits when innovative, growth‑oriented companies do well, while still being cushioned by exposure to more cyclical and defensive areas. It’s a nice sweet spot: enough tech to participate in growth trends, without being overly dependent on one sector’s boom‑and‑bust cycle.
Regions
- North America 65%
- Europe Developed 14%
- Japan 7%
- Asia Developed 5%
- Asia Emerging 4%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 65% is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and emerging regions. That U.S. tilt is close to global market weights and aligns well with common benchmarks, which is a strength. It allows participation in U.S. innovation and corporate profits while still capturing diversification benefits from international markets. International small cap value adds an extra layer of diversification, since smaller foreign companies often move differently than large U.S. names. The trade‑off is some exposure to currency and political risks abroad, but overall this geographic mix is well‑balanced and globally oriented.
Market capitalization
- Mega-cap 35%
- Large-cap 23%
- Mid-cap 18%
- Small-cap 14%
- Micro-cap 8%
The portfolio spans the full market cap spectrum: 35% mega‑cap, 23% large‑cap, 18% mid‑cap, 14% small‑cap, and even 8% micro‑cap. That’s broader than a pure large‑cap index and brings in more of the market’s “long tail” of smaller companies. Smaller caps tend to be more volatile but can offer higher long‑term growth, especially when combined with a value tilt. This structure increases diversification because company‑specific news in small and micro caps won’t perfectly line up with mega‑cap moves. The flip side is bumpier short‑term performance; swings can be sharper than in a mega‑cap‑only portfolio, especially during risk‑off periods.
True holdings
-
NV NVIDIA Corporation 3.35%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 3.11%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.31%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.67%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.46%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.24%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.16%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.13%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.03%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
TS Tesla Inc 0.94%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 17.41%
Looking through the ETFs, the largest underlying exposures are familiar mega‑cap names like NVIDIA, Apple, Microsoft, Amazon, and Alphabet, each showing up through multiple funds. That overlap means the actual economic exposure to these giants is higher than any single fund’s weight suggests, even though they’re still a modest slice of the total. This kind of hidden concentration is normal when using broad U.S. and growth funds, but it does tie part of the portfolio’s fortunes to a relatively small group of big companies. It’s not excessive here, yet it’s worth remembering that their cycles will noticeably influence returns.
Factors
Factor exposure shows a clear tilt toward value, with value at 61% (mildly above market), while size, momentum, quality, yield, and low volatility sit around neutral. Factors are like “personality traits” of a portfolio that research links to long‑term returns. A value tilt means more exposure to stocks priced lower relative to fundamentals, which historically has rewarded patient investors but can lag for long stretches when growth or momentum dominates. The nice part here is that the tilt is noticeable without being extreme, and other factors are balanced. That keeps behavior reasonably market‑like while still adding a distinct value flavor.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 40.00% 40.0% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 26.4% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 18.8% -
Schwab U.S. Large-Cap Growth ETF
Weight: 7.50% 8.2% -
Avantis® International Small Cap Value ETF
Weight: 7.50% 6.6%
Risk contribution shows how much each holding drives overall volatility, which can differ from its weight. Vanguard Total Stock Market, at 40% weight, contributes about 40% of the risk, so it’s very proportional. Vanguard Total International, at 30% weight, adds only 26.41% of the risk, helped by diversification. The Avantis U.S. Small Cap Value position stands out: 15% weight but 18.82% of risk, reflecting its higher volatility. Overall, the top three holdings contribute over 85% of total risk, which is expected for a concentrated core‑satellite setup. Rebalancing occasionally can keep these risk shares aligned with how much “roller‑coaster” experience is actually desired.
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 efficient frontier analysis shows the current portfolio has a Sharpe ratio of 0.56, below both the optimal mix (0.84) and even the minimum variance mix (0.65). The Sharpe ratio measures risk‑adjusted return, like “miles per gallon” for each unit of risk taken. The portfolio sits about 2.56 percentage points below the efficient frontier at its current risk level, meaning that with the same five ETFs but different weights, history suggests a better balance of return versus volatility was possible. That doesn’t mean the current setup is bad, just that fine‑tuning weights could squeeze more “efficiency” out of the same ingredients.
Dividends
- Avantis® International Small Cap Value ETF 2.80%
- Avantis® U.S. Small Cap Value ETF 1.30%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.72%
The overall dividend yield is about 1.72%, with higher yields from the international funds (around 2.8%) and lower yields from the U.S. growth and total market funds. Yield is the cash income you receive each year as a percentage of your investment. In a growth‑oriented, 100% equity portfolio like this, the main engine is capital appreciation, not income. The yield level is modest but consistent with today’s global equity markets. For someone still in the accumulation phase, reinvesting these dividends can quietly boost compounding. For an income‑focused investor, though, this would be on the lower side and might not cover spending needs.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- 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%
The weighted average total expense ratio (TER) is a very low 0.09%, thanks to the heavy use of ultra‑cheap Vanguard and Schwab ETFs. TER is the annual fee charged by funds as a percentage of your investment, quietly deducted in the background. Keeping this number low is one of the few levers investors can control, and it compounds in your favor over decades. Here, costs are impressively low and clearly aligned with best practices. That means more of the portfolio’s gross return stays in your pocket instead of going to fund managers, which is a real structural advantage over time.
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