Well diversified global equity portfolio with a clear value tilt and modest room for risk tuning

Report created on Apr 18, 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 portfolio is almost entirely built from broad equity ETFs, with a small slice in a multi‑sector income fund. The biggest building block is a core large‑cap US fund, then global developed markets, plus meaningful allocations to small‑cap value and emerging markets. A couple of satellite positions in infrastructure and uranium add targeted themes. Structurally, this is a classic “core and satellites” setup: most of the money sits in diversified core funds, while smaller high‑conviction pieces sit around the edges. That’s generally a solid approach, as it keeps overall risk anchored while still allowing for specific tilts and ideas without letting them dominate the total portfolio.

Growth Info

From late 2019 to April 2026, $1,000 in this portfolio grew to about $2,486. The compound annual growth rate (CAGR) of 14.96% means the value roughly doubled every five years over this stretch, which is strong in absolute terms. It lagged the US market slightly but beat the global market by a decent margin, showing the mix has held up well internationally. The worst drop was about -37% during the 2020 crash, a bit deeper than the benchmarks, but it recovered in roughly five months. That pattern is normal for an equity‑heavy, growth‑oriented mix and shows it has been rewarded for staying invested through volatility.

Projection Info

The Monte Carlo projection uses past returns and volatility to simulate 1,000 different 15‑year futures for this portfolio. Think of it like running thousands of “what if” market paths to see a range of outcomes rather than just one forecast. The median scenario ends around $2,676 from $1,000, with a wide but realistic range between roughly $1,739 and $4,076 for the middle half of paths. About 73% of simulations end positive, and the average annualized return across all paths is 7.88%. These are not guarantees: future markets can behave very differently, but simulations are useful to gauge how bumpy the ride might be and what long‑term growth could look like.

Asset classes Info

  • Stocks
    97%
  • No data
    3%

About 97% of this portfolio is in stocks, with a small residual slice in “no data” where the asset class can’t be categorized. That stock‑heavy profile lines up with a growth‑oriented risk score and signals an emphasis on capital appreciation rather than stability or income. Compared with more balanced mixes that might hold substantial bonds or cash, this setup will typically swing more with markets, but also offers higher long‑term return potential. For someone with a long time horizon and tolerance for drawdowns, that trade‑off is reasonable. For shorter‑term needs, a more balanced asset mix would usually be considered to smooth out the ride.

Sectors Info

  • Technology
    19%
  • Industrials
    16%
  • Financials
    15%
  • Consumer Discretionary
    10%
  • Energy
    8%
  • Basic Materials
    7%
  • Health Care
    7%
  • Telecommunications
    6%
  • Consumer Staples
    4%
  • Utilities
    3%
  • Real Estate
    2%

Sector exposure is spread across technology, industrials, financials, consumer areas, energy, and more, with no single sector overwhelmingly dominating. Technology is the largest slice, but it’s not extreme compared to broad market benchmarks, and industrials and financials are also prominent. This balance supports diversification: if one part of the economy struggles, others can help cushion the impact. The smaller but present stakes in utilities, consumer staples, and real estate add a touch of defensive flavor without diluting the growth profile. Overall, the sector mix looks healthily diversified and aligned with typical global equity indices, which is a positive sign for risk spreading.

Regions Info

  • North America
    63%
  • Europe Developed
    11%
  • Japan
    7%
  • Asia Developed
    7%
  • Asia Emerging
    4%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, around 63% is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and several emerging regions. That North America tilt is common for global investors and has been rewarded in recent years, given the strong run of US markets. At the same time, the portfolio does hold meaningful exposure to other developed markets and emerging economies, so it’s not a one‑country bet. This helps reduce reliance on a single economy, currency, or political system. Compared to a pure US portfolio, this mix is more globally aligned and closer to broad global benchmarks, which is a healthy level of international diversification.

Market capitalization Info

  • Mega-cap
    28%
  • Mid-cap
    27%
  • Large-cap
    23%
  • Small-cap
    12%
  • Micro-cap
    5%

Market‑cap exposure is nicely spread: about 28% mega‑cap, 23% large‑cap, 27% mid‑cap, plus a solid chunk in small‑ and micro‑caps. That’s broader than many simple index portfolios, which often lean very heavily into mega‑caps. Having real exposure further down the size spectrum introduces more growth potential and diversification, as smaller companies don’t always move in lockstep with the giants. The flip side is higher volatility: smaller firms tend to swing more in both directions. This pattern fits a growth‑seeking mindset and, over long periods, a size spread like this has historically been associated with higher but bumpier returns compared with mega‑cap‑only portfolios.

True holdings Info

  • NVIDIA Corporation
    2.65%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Apple Inc
    2.33%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    1.72%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    1.27%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    1.05%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    0.92%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    0.84%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Cameco Corp
    0.79%
    Part of fund(s):
    • Global X Uranium ETF
  • Meta Platforms Inc.
    0.78%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Tesla Inc
    0.65%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
  • Top 10 total 13.02%

Looking through the ETFs, the largest underlying exposures are familiar mega‑cap names: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, and Tesla. They appear across several funds, creating some hidden concentration even though each holding is in diversified ETFs. For example, NVIDIA and Apple together already represent nearly 5% of the portfolio via multiple products. This is not unusual for index‑based strategies, but it does mean performance is more tied to a handful of big global companies than the fund list alone suggests. Because only top‑10 ETF holdings are captured, total overlap is actually higher than these figures show.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 93%
Size
Exposure to smaller companies
Neutral
Data availability: 97%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 93%
Quality
Preference for financially healthy companies
Neutral
Data availability: 93%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 97%

Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.

Factor exposure shows a notable tilt toward value, with a score of 64% versus a neutral 50% baseline. “Value” means the portfolio leans toward companies priced lower relative to fundamentals like earnings or book value. Research over decades suggests value stocks have, on average, earned a return premium, though not consistently every year. The other factors—size, momentum, quality, yield, and low volatility—are all close to neutral, so this is essentially a broad market portfolio with an added value flavor. That likely helped in times when cheaper stocks rebounded, but can lag during long stretches when expensive growth names dominate, as seen in parts of the last decade.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 35.01%
    34.4%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares
    Weight: 15.00%
    13.9%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 10.00%
    12.8%
  • Vanguard Mid-Cap Index Fund ETF Shares
    Weight: 10.00%
    10.5%
  • Avantis® International Small Cap Value ETF
    Weight: 10.00%
    9.0%
  • Top 5 risk contribution 80.6%

Risk contribution shows how much each holding drives overall ups and downs, which can differ from its weight. The S&P 500 ETF is 35% of the portfolio and contributes about 34% of total risk, so its influence on volatility is very much in line with its size. The US small‑cap value fund is only 10% of assets but contributes almost 13% of risk, which makes sense given smaller, cheaper stocks tend to be choppier. The top three positions together drive about 61% of the portfolio’s total risk. That’s still reasonably balanced for a concentrated core and suggests risk is spread in a way that broadly matches how the dollars are allocated.

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, the current portfolio has a Sharpe ratio of 0.65, meaning it delivers 0.65 units of excess return per unit of risk above the 4% risk‑free rate. The efficient frontier shows that, using only these existing holdings but in different weights, a higher Sharpe of 0.99 is theoretically possible at higher risk, and 0.84 at minimum‑variance weights. The current mix sits about 2.9 percentage points below the frontier at its risk level, so it’s reasonably efficient but not fully optimized. In practice, that means slight reweighting—without adding anything new—could improve the balance between volatility and expected return.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.80%
  • Avantis® Emerging Markets Equity ETF 2.20%
  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Global X U.S. Infrastructure Development ETF 0.80%
  • Global X Uranium ETF 3.70%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.70%
  • Vanguard Mid-Cap Index Fund ETF Shares 1.40%
  • Vanguard S&P 500 ETF 1.10%
  • Wells Fargo Multi-Sector Income Fund 1.50%
  • Weighted yield (per year) 1.76%

The overall dividend yield is about 1.76%, coming from a mix of higher‑yielding international and thematic funds plus lower‑yielding US growth‑oriented holdings. Dividends are the cash payments companies make to shareholders; they can be an important part of total return, especially over long periods as they get reinvested. Here, income is a nice secondary benefit, but not the main objective. The yield level fits a growth‑tilted equity portfolio that emphasizes appreciation over regular cash flow. For someone not relying on current income, that’s perfectly consistent; for income‑focused goals, this yield would typically be considered on the lower side and might need complementing elsewhere.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® Emerging Markets Equity ETF 0.33%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Global X U.S. Infrastructure Development ETF 0.47%
  • Global X Uranium ETF 0.69%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard Mid-Cap Index Fund ETF Shares 0.04%
  • Vanguard S&P 500 ETF 0.03%
  • Wells Fargo Multi-Sector Income Fund 1.75%
  • Weighted costs total (per year) 0.21%

The weighted total expense ratio (TER) is about 0.21%, which is impressively low for a portfolio with several active or factor‑based ETFs. Most of the cost efficiency comes from the large holdings in ultra‑cheap index funds, with TERs as low as 0.03–0.05%. A few specialized ETFs and especially the multi‑sector income fund are noticeably more expensive, but because their weights are small, they don’t move the overall cost needle much. Keeping average fees this low is a real structural advantage: every 0.1% saved annually compounds over decades. Here, the cost side is clearly a strength and supports better long‑term performance potential.

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