A value tilted stock heavy portfolio blending US growth with high international dividend income focus
Report created on Mar 14, 2026Risk profile
5/7
Diversification profile
4/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 50.00% -
VY Vanguard International High Dividend Yield Index Fund ETF Shares
VYMI - US9219467944 40.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00%
This setup is very straightforward: about half in a broad US large company fund, 40% in international high dividend stocks, and 10% in US small cap value. Everything is in stocks, with only a tiny cash slice. Compared with a typical global stock index, there’s a clear tilt toward the US and toward dividend payers. A simple structure like this is easy to understand and maintain, which is a big plus. To keep things on track over time, periodically check whether the weights still match your intent and rebalance if one piece drifts too far after big market moves.
Growth
Historically, this mix has been strong: a compound annual growth rate (CAGR) of about 14.7%. CAGR is like average speed on a road trip, smoothing out bumps along the way. A hypothetical 10,000 dollars invested over a decade at this rate would have grown dramatically versus a broad stock benchmark, though that outperformance may partly reflect a great period for US equities and value tilts. The max drawdown of around –36% shows that large temporary losses are very possible. It helps to treat past returns as context, not a promise, and to ask whether you’d stay invested through similar drops.
Projection
The Monte Carlo results suggest a very wide range of possible futures. Monte Carlo simulation takes historical patterns of returns and volatility and shuffles them thousands of times to create many “what if” paths. The median outcome (around 563% growth) looks very attractive, and 975 out of 1,000 simulations ended positive, which fits a growth‑oriented equity profile. But the 5th percentile ending at about 44% of starting value reminds that bad sequences can be painful even if long‑term averages look great. Since simulations rely heavily on past data, it’s smart to treat them as rough weather scenarios rather than precise forecasts.
Asset classes
- Stocks 99%
- Cash 1%
Almost everything here is in stocks: roughly 99% equity and 1% cash. That’s fully aligned with a growth profile and makes sense for long time horizons where short‑term swings matter less. This equity dominance also means portfolio ups and downs will largely mirror global stock markets. Compared to a more balanced mix that includes bonds or other defensive assets, this structure will likely rise more in strong markets but fall more in downturns. If shorter‑term spending needs or sleep‑at‑night comfort become bigger priorities, slowly adding a modest buffer in more stable assets could smooth the ride.
Sectors
- Financials 26%
- Technology 19%
- Consumer Discretionary 10%
- Industrials 9%
- Telecommunications 7%
- Health Care 7%
- Energy 7%
- Consumer Staples 6%
- Basic Materials 4%
- Utilities 3%
- Real Estate 2%
Sector exposure looks broadly diversified and quite reasonable. Financials are the largest slice, followed by technology, consumer cyclicals, industrials, and several others, with no single sector overwhelmingly dominant. This spread is healthy and similar in spirit to broad market benchmarks, which is a strong indicator of diversification. The notable tilt toward financials and dividend‑rich areas reflects the high‑dividend and value focus, which can behave differently from growth‑heavy mixes. In environments where interest rates shift quickly or economic growth slows, these sectors may lag or lead in unexpected ways, so it’s useful to occasionally check whether this tilt still matches your preferences for income versus pure growth.
Regions
- North America 63%
- Europe Developed 17%
- Japan 6%
- Asia Developed 4%
- Asia Emerging 4%
- Australasia 3%
- Africa/Middle East 2%
- Latin America 2%
Geographic exposure is nicely spread: about 63% North America, 17% developed Europe, and meaningful slices across Japan, other developed Asia, emerging Asia, Australasia, and smaller allocations to Latin America and Africa/Middle East. This allocation is well-balanced and aligns closely with global standards, with only a moderate US home tilt. Such breadth helps reduce the risk that any one region’s problems dominate outcomes. At the same time, different regions can underperform for long stretches, so returns may periodically feel out of step with US-only portfolios. Keeping a long‑term view and resisting the urge to chase whichever region recently did best usually leads to more consistent results.
Market capitalization
- Mega-cap 44%
- Large-cap 31%
- Mid-cap 14%
- Small-cap 6%
- Micro-cap 5%
Market capitalization exposure is broad: strong representation of mega and large companies, plus healthy amounts of mid, small, and even micro caps. This echoes the combination of a big‑company index fund with a small cap value tilt. Large caps typically add stability and liquidity, while smaller companies inject extra growth potential and risk. This balance is a strength, creating multiple drivers of return instead of relying on one size segment. Because small and micro caps can be especially volatile and may lag for years, it’s handy to decide in advance what role you want them to play and stick with that plan through different market cycles.
True holdings
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NV NVIDIA Corporation 3.92%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc 3.24%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 2.70%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 1.97%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.66%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.33%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.32%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.32%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.02%
Part of fund(s):- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 0.75%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 19.21%
Looking through to the biggest underlying holdings, there’s meaningful exposure to mega-cap US names such as NVIDIA, Apple, Microsoft, Amazon, and Alphabet. These are market leaders that often drive a big slice of overall index returns and volatility. Because only ETF top‑10s are used, overlap is understated; actual concentration in these giants is likely a bit higher. This concentration isn’t necessarily a problem, but it does mean part of the journey will be tied to how a handful of large companies behave. It can help to keep an eye on how comfortable you are with that reliance if these names hit a rough patch.
Factors
Factor exposure is a standout feature. There are strong tilts toward value, smaller size, and yield, with moderate momentum and low‑volatility exposure. Factor investing means leaning into characteristics like “cheap vs. expensive” (value) or “small vs. large” (size) that research has linked to long‑term returns. This portfolio’s dominant factors suggest a preference for cheaper, smaller, higher‑dividend companies rather than pure high‑growth names. That can work very well when value and smaller companies are in favor, but it can trail the market during long growth‑stock booms. Since factor coverage isn’t perfect, treating these tilts as rough guides and staying patient through factor cycles is key.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 50.9% -
Vanguard International High Dividend Yield Index Fund ETF Shares
Weight: 40.00% 36.0% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 13.1%
Risk contribution shows how much each piece drives overall ups and downs, which can differ from simple weights. Here, the US large‑cap fund contributes about half the portfolio risk, very close to its 50% weight, which is nicely aligned. The international dividend fund contributes slightly less risk than its weight, suggesting a stabilizing influence. The small cap value fund, at just 10% of assets, adds over 13% of total risk, so it punches above its weight. That’s normal for smaller, value‑tilted holdings. If that extra swing ever feels too intense, moderating its size or rebalancing more frequently could bring risk contribution closer to your comfort zone.
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.
From a risk‑return angle, this mix sits firmly on the growthy side of the Efficient Frontier. The Efficient Frontier represents the set of portfolios that deliver the best possible trade‑off between risk (volatility) and expected return using only your current building blocks. Within just these three funds, small tweaks—like slightly adjusting the small cap or international weights—could potentially nudge you closer to a more “efficient” point, meaning more expected return per unit of risk. Efficiency doesn’t always equal maximum comfort, though. It’s worth deciding first how much downside you can tolerate, then shaping allocations to target the most efficient version of that chosen risk level.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.80%
- Vanguard S&P 500 ETF 1.20%
- Vanguard International High Dividend Yield Index Fund ETF Shares 3.50%
- Weighted yield (per year) 2.18%
The combined dividend yield around 2.2% is attractive for a growth‑oriented stock portfolio, thanks largely to the international high dividend fund. Dividends can be thought of as getting regular “rent checks” from the companies you own, providing a smoother part of total return. This setup nicely balances income and appreciation; reinvesting those dividends supports compounding, while turning them into cash later could help fund spending. It’s worth remembering that dividends are not guaranteed and can be cut, especially in stressed markets. Periodically confirming whether you prefer to reinvest automatically or take payouts in cash helps align the yield profile with your evolving goals.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Vanguard S&P 500 ETF 0.03%
- Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
- Weighted costs total (per year) 0.13%
Costs are impressively low, with a blended expense ratio near 0.13%. Total Expense Ratio (TER) is the yearly fee charged by funds, and even small differences compound over time. This fee level is clearly below many actively managed alternatives and fully supports better long‑term performance. The US large‑cap fund is especially cheap, and even the higher‑cost small cap value and international dividend funds are reasonable given their more specialized mandates. Keeping costs low is one of the few levers investors can reliably control. Staying attentive to fees if you ever add new holdings and favoring similarly low‑cost options will help preserve more of your returns.
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