Concentrated global stock portfolio with a US tilt and a clear small value overlay
Report created on Jul 16, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 60.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 25.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.00%
This portfolio is made up of three equity ETFs, all focused on stocks. Around 60% sits in a broad US total market fund, 25% in a broad international stock fund, and 15% in a dedicated US small-cap value ETF. Structurally, it’s a simple “core and satellite” setup: two broad index funds as the core, plus one more focused fund as a tilt. This kind of structure is easy to understand and track because each holding has a clear role. The equity-only approach means there’s no built-in cushion from bonds or cash, so day‑to‑day and year‑to‑year swings will directly reflect stock market moves.
Growth
Over the period from late 2019 to mid‑2026, $1,000 grew to about $2,542, giving a compound annual growth rate (CAGR) of 14.76%. CAGR is the “average speed” per year over the whole journey, smoothing out the bumps. The portfolio slightly lagged the US market benchmark but outpaced the global market benchmark, so it kept up well in a strong US‑led period. The worst peak‑to‑trough drop was about ‑36% during early 2020, with a recovery in roughly five months, showing meaningful but not extreme equity‑style drawdowns. Only 22 days made up 90% of returns, underlining how a small number of strong days drove much of the growth.
Projection
The Monte Carlo simulation looks forward 15 years by taking past return and volatility patterns and mixing them into many random “what if” paths. It’s like running 1,000 alternate futures based on how similar portfolios have behaved historically. The median outcome grows $1,000 to around $2,853, with a wide middle range from about $1,776 to $4,241 and even wider outer bounds. The average annualized return across simulations is 8.25%, lower than the backtested figure, reflecting more conservative assumptions. These ranges highlight that outcomes can vary a lot, even with the same starting mix, and that projections depend heavily on past data, which may not repeat.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with 100% equity exposure and no allocation to bonds, cash, or alternatives. Asset classes are the big building blocks—stocks, bonds, real estate, and so on—and mixing them can smooth the ride because they don’t always move together. Here, the upside and downside are entirely tied to global equity markets. This alignment can be powerful in strong growth periods, as seen in the historical results, but it also means that large market drawdowns translate directly into portfolio drawdowns. Compared with more mixed portfolios, this structure leans clearly toward growth over stability, using equities as the only growth engine.
Sectors
- Technology 28%
- Financials 16%
- Industrials 12%
- Consumer Discretionary 11%
- Health Care 8%
- Telecommunications 7%
- Energy 6%
- Consumer Staples 5%
- Basic Materials 4%
- Real Estate 2%
- Utilities 2%
Sector-wise, the portfolio leans heavily into technology at 28%, with financials, industrials, and consumer discretionary also making up big slices. The remaining sectors are present in smaller amounts, giving some breadth across the economy. This pattern is broadly similar to many global equity benchmarks today, where tech and related areas have grown significantly in index weight. A tech‑tilted portfolio can benefit when innovation and digital trends drive earnings, but it may feel more volatile during periods of rising interest rates or when growth stocks fall out of favor. Still, the presence of financials, industrials, and other sectors helps avoid being a “single‑theme” portfolio.
Regions
- North America 77%
- Europe Developed 9%
- Asia Developed 4%
- Japan 4%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 77% of the portfolio is in North America, with smaller slices in developed Europe and Asia, plus modest exposure to emerging markets and other regions. This creates a clear US tilt, which matches many global market-cap benchmarks that are dominated by US companies. The international fund adds diversification beyond the US, so results aren’t tied to a single economy, currency, or policy environment. Compared with a perfectly global market-weighted mix, the portfolio still emphasizes the US, which has recently been an advantage but also concentrates exposure to that market’s future fortunes. The presence of multiple regions offers some cushion if one area underperforms.
Market capitalization
- Mega-cap 36%
- Large-cap 26%
- Mid-cap 16%
- Small-cap 12%
- Micro-cap 9%
By market capitalization, the portfolio holds a broad spread: 36% in mega‑caps, 26% in large‑caps, 16% in mid‑caps, 12% in small‑caps, and 9% in micro‑caps. Market cap is just company size—like comparing global giants to local niche businesses. This distribution reflects the total market fund foundations, with an extra push into smaller companies via the small‑cap value ETF. Larger companies tend to be more stable and dominate the weight, while smaller companies can move more sharply in both directions. This blend gives access to the full corporate spectrum, from household names to smaller up‑and‑comers, which can broaden sources of return but also adds some extra volatility.
True holdings
-
NV NVIDIA Corporation 4.02%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc. 3.78%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.76%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.16%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.83%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.75%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.43%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.14%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.01%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- 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 20.87%
Looking through ETF top‑10 holdings, a meaningful slice of the visible exposure clusters in a handful of large tech‑oriented names: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Taiwan Semiconductor together account for a noticeable portion of the covered slice. Because these appear across multiple ETFs, there is overlap—several funds owning the same giants—which creates hidden concentration even with only three tickers. Coverage is about a quarter of the total portfolio, so actual overlap is likely higher than shown, given we only see top‑10 positions. This concentration means headline diversification across funds still includes a strong common core in the largest global companies.
Factors
On factor exposure, the standout tilt is toward value at 61%, which is above the neutral 50% “market average” line. Factors are like underlying traits—such as cheapness (value) or size—that research links to long‑term patterns in returns. A value tilt means the portfolio puts relatively more weight in stocks trading at lower prices versus fundamentals than the broad market. Historically, value stocks have gone through long stretches of both underperformance and outperformance relative to growth stocks. The other factors—size, momentum, quality, yield, and low volatility—sit in the neutral band, suggesting the portfolio behaves broadly like the market along those dimensions, with the main distinct feature being that value emphasis.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 60.00% 59.9% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 25.00% 21.6% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 18.6%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the US total market ETF is 60% of the weight and contributes almost exactly 60% of the risk, so its influence is proportional. The international ETF carries 25% of the weight but only about 22% of the risk, reflecting some diversification versus US stocks. The small‑cap value ETF is 15% of the weight yet adds nearly 19% of the risk, a risk/weight of 1.24, meaning it punches above its size. This pattern is typical: smaller, value‑tilted holdings often move more and therefore amplify overall volatility more than their weight suggests.
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 mix sitting on or very close to the efficient frontier, which is the curve of best possible returns for each risk level using these same funds. The portfolio’s Sharpe ratio, a measure of return per unit of risk after accounting for the risk‑free rate, is 0.59. The optimal Sharpe portfolio reaches 0.77 with slightly higher expected return and risk, while the minimum variance mix has somewhat lower risk and a Sharpe of 0.64. Being near the frontier indicates the existing allocation makes effective use of these holdings, providing an efficient tradeoff between volatility and expected return without obvious structural inefficiencies.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.60%
- Weighted yield (per year) 1.44%
The portfolio’s overall dividend yield sits at about 1.44%, combining a 1.0% yield from the US total market fund, 2.6% from the international fund, and 1.3% from the small‑cap value ETF. Dividend yield is the cash income paid out each year as a percentage of the portfolio value, separate from price changes. Here, income is modest, which is common for growth‑oriented equity portfolios that rely more on capital appreciation than on payouts. International stocks slightly boost the yield, as many non‑US markets tend to pay higher dividends. Over time, reinvested dividends can be an important contributor to total return, even if the headline yield looks relatively low.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- 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) 0.07%
Total ongoing costs are low, with a weighted expense ratio (TER) around 0.07%. TER is the annual fee charged by the funds, expressed as a percentage of assets—like a small slice taken each year to cover management and operations. The Vanguard index funds are very cheap at 0.03% and 0.05%, while the more specialized small‑cap value ETF naturally costs more at 0.25%. Overall, this is impressively low for a portfolio with both broad exposure and a targeted tilt. Keeping costs down means more of the underlying market return stays in the portfolio, and over long periods that small percentage difference can compound into a meaningful amount.
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