Strong value tilt growth portfolio with broad global equity exposure and moderate concentration in technology
Report created on Aug 28, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 50.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 15.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 10.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 10.00%
This portfolio is a five-fund, all‑equity mix with a clear structure: broad total-market funds at the core and more focused “factor” funds around the edges. About half sits in a broad US total stock market ETF, supported by a smaller slice in a broad international fund. The rest leans into small‑cap value and US momentum strategies. This kind of “core and satellite” setup combines simple market exposure with deliberate tilts toward specific characteristics. It means overall behaviour should roughly track global equities, but not exactly mirror them. The mix is intentionally growth‑oriented, so returns and volatility are both driven almost entirely by stock markets rather than bonds or cash.
Growth
From late 2019 to August 2026, a $1,000 hypothetical investment grew to about $2,786, implying a 16.01% compound annual growth rate (CAGR). CAGR is like the average speed on a road trip, smoothing out bumps along the way. Over this period, the portfolio very slightly lagged the US market benchmark but clearly outpaced the global market benchmark. The worst drop, or max drawdown, was about -36%, a bit deeper than the benchmarks’ roughly -34% falls. That’s typical for an all‑equity, factor‑tilted portfolio: strong long‑term growth but sharp short‑term swings. Also, 90% of returns came from just 25 days, underlining how missing a small number of strong days can heavily affect outcomes.
Projection
The Monte Carlo projection simulates many possible futures using the portfolio’s historical behaviour as a guide. Think of it as running 1,000 alternate timelines where returns vary randomly within historically observed patterns. After 15 years, the median path turns $1,000 into about $2,700, while the central “likely” range runs from around $1,706 to $4,205. There are also more extreme, but still possible, outcomes between roughly $921 and $7,734. The average simulated annual return is about 8.08%, with positive results in about 73% of simulations. These numbers aren’t predictions; they just show a spectrum of potential outcomes, reminding that long‑term equity investing usually rewards patience but can still produce wide result ranges.
Asset classes
- Stocks 100%
Every dollar here is invested in stocks, with 0% in bonds, cash, or alternatives. That makes the asset allocation simple and very growth‑oriented. Stocks historically have offered higher long‑term returns than bonds, but with larger and more frequent drawdowns along the way. Because there’s no stabilising asset class, the portfolio will move closely with equity markets both up and down. Compared with more blended stock‑and‑bond mixes, this structure typically experiences bigger swings but a higher ceiling for long‑run growth. The benefit is clear exposure to the global equity risk premium; the trade‑off is relying entirely on equities for both growth and resilience, which tends to amplify the emotional and financial impact of market downturns.
Sectors
- Technology 27%
- Financials 16%
- Industrials 12%
- Consumer Discretionary 11%
- Health Care 8%
- Telecommunications 7%
- Energy 6%
- Basic Materials 5%
- Consumer Staples 5%
- Real Estate 2%
- Utilities 2%
Sector exposure is reasonably broad, but with notable emphasis on technology at 27% of the equity slice. Financials, industrials, consumer discretionary, and health care together form a substantial secondary layer, while areas like real estate and utilities are small. This kind of profile is broadly in line with many modern equity benchmarks, which also feature a sizeable technology presence, so it aligns with current market structure rather than making an extreme sector bet. Tech‑heavy allocations often benefit when innovation and growth stories lead markets, but can be more sensitive during periods of rising interest rates or when investors rotate toward more defensive, cash‑generating areas. Overall, sector diversification looks healthy and close to global norms.
Regions
- North America 77%
- Europe Developed 9%
- Japan 6%
- Asia Developed 3%
- Asia Emerging 2%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, the portfolio is heavily tilted toward North America at 77%, with the rest spread across Europe, Japan, developed Asia, and smaller allocations to emerging markets and other regions. This reflects the dominance of US and Canadian companies in global market indexes but goes a bit beyond a pure world‑market weight in favour of North America. The result is strong alignment with the US economy, corporate earnings, and dollar movements. While that has been beneficial in recent decades, it does mean events in one region can disproportionately influence total returns. The presence of non‑US holdings still adds meaningful diversification, reducing reliance on any single country’s policy, currency, or growth path.
Market capitalization
- Mega-cap 31%
- Large-cap 25%
- Mid-cap 19%
- Small-cap 15%
- Micro-cap 9%
The portfolio spans the full market‑cap spectrum: 31% in mega‑caps, 25% in large‑caps, 19% in mid‑caps, 15% in small‑caps, and 9% in micro‑caps. This is broader than a classic large‑cap index and reflects the deliberate inclusion of small‑cap value funds. Large and mega‑cap companies typically bring scale, stability, and high index representation, while smaller firms tend to be more volatile but historically have offered higher potential long‑term returns. Having meaningful exposure to small and micro‑caps introduces more company‑specific risk and bumpier performance, yet it also increases diversification by adding different business profiles. Overall, the market‑cap mix is well‑spread and more tilted toward smaller companies than a standard market‑weighted index.
True holdings
-
NV NVIDIA Corporation 4.08%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc. 3.15%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.39%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.90%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.88%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.82%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.50%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 1.09%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
ME Meta Platforms Inc. 0.85%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
LL Eli Lilly and Company 0.68%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 19.33%
Looking through the ETFs’ top holdings, there is a visible cluster in major US growth and technology names. NVIDIA, Apple, Microsoft, Broadcom, Alphabet (both share classes), Amazon, Micron, Meta, and Eli Lilly together account for a noticeable share of the covered portion, with NVIDIA alone at just over 4%. These large positions often show up across multiple funds, which leads to overlap and hidden concentration. Because only ETF top‑10 holdings are captured, true overlap is likely higher than it appears here. This means the portfolio’s performance will be meaningfully influenced by a relatively small group of big, globally important companies, even though the overall structure includes broad and small‑cap exposures.
Factors
Factor exposure shows a clear tilt toward value at 62%, while size, momentum, quality, yield, and low volatility sit in the neutral band. Factor exposure describes how much the portfolio leans into traits like cheapness (value) or recent winners (momentum) that research links to long‑term returns. A mild-to-strong value tilt means the portfolio emphasizes companies priced lower relative to their fundamentals, rather than just chasing the most expensive growth names. Historically, value has gone through long cycles of out‑ and under‑performance, so returns may diverge from broad market indexes at times. The other factors being roughly market‑like suggests the portfolio is not heavily skewed toward any single style beyond its value preference.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 50.00% 50.0% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 18.5% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 15.00% 13.0% -
Invesco S&P 500® Momentum ETF
Weight: 10.00% 10.0% -
Avantis® International Small Cap Value ETF
Weight: 10.00% 8.6%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. The core US total market fund is 50% of assets and contributes almost exactly 50% of risk, so its influence is very proportional. The US small‑cap value fund, at 15% weight but about 18.5% of risk, punches a bit above its size, reflecting higher volatility in smaller, value‑oriented stocks. Meanwhile, the international total market and international small‑cap value funds contribute slightly less risk than their weights. The top three holdings together drive about 81% of total portfolio risk, indicating that while the portfolio is diversified, most of its behaviour is still anchored to a few core positions.
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 vs. return chart compares the current portfolio with an “efficient frontier,” which shows the best possible return for each risk level using only the existing holdings. The current Sharpe ratio, a measure of return per unit of volatility, is 0.65, while the optimal mix of these same funds reaches 0.96. The minimum‑variance version has lower risk with a Sharpe of 0.73. Because the current portfolio sits about 3.2 percentage points below the frontier at its risk level, it’s not using this particular set of funds in the most risk‑efficient way. That doesn’t make it “bad”; it just means, mathematically, another weighting of the same ingredients could have produced better historical risk‑adjusted results.
Dividends
- Avantis® International Small Cap Value ETF 2.60%
- Avantis® U.S. Small Cap Value ETF 1.20%
- Invesco S&P 500® Momentum ETF 0.70%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.50%
- Weighted yield (per year) 1.38%
The overall dividend yield is about 1.38%, with higher yields in the international and value‑tilted funds and lower yields in the broad US and momentum funds. Dividend yield is the annual cash payout as a percentage of price, and it can contribute a meaningful portion of total return over time, especially when reinvested. In this portfolio, dividends play more of a supporting role than a central feature, which is consistent with a growth‑oriented, factor‑tilted equity mix. The moderate yield aligns with its tilt toward small‑cap value (which often pays more) and momentum or broad market exposures (which often pay less). Total returns will be driven more by price movements than by income.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco S&P 500® Momentum ETF 0.13%
- 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) 0.11%
The blended Total Expense Ratio (TER) of the portfolio is about 0.11%, which is very low by equity-fund standards. TER is the annual fee charged by funds, expressed as a percentage of invested assets; lower costs mean less return lost to fees every year. The largest positions are in especially low‑cost Vanguard funds, while the more specialised Avantis strategies carry higher but still reasonable expenses for active, factor‑oriented approaches. Over long horizons, the difference between 0.11% and higher fee levels can compound into a significant dollar gap, so keeping costs this lean supports better net outcomes. Overall, the cost structure is a real strength and aligns well with best practices in low‑cost investing.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
Compare your holdings
How much do the funds you hold actually overlap with the ones people weigh them against?
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey