Broad global stock portfolio with solid value tilt and efficient risk return balance
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 50.00% -
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% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 5.00%
The portfolio is a simple four‑ETF, 100% stock setup with a clear core‑satellite structure. About half sits in a broad U.S. total market fund, 30% in a broad international fund, with 15% tilted to U.S. small‑cap value and 5% to large‑cap growth. That means most of the money follows the global stock market, while a smaller slice leans into specific styles. This structure matters because it keeps things easy to manage while still allowing some targeted tilts. The main takeaway is that this is a straightforward, growth‑oriented equity portfolio with a strong core and modest “spice” from the satellites, which many long‑term investors find both manageable and effective.
Growth
Historically, $1,000 grew to $2,327 over the period, implying a 13.84% compound annual growth rate (CAGR). CAGR is like your average speed on a long road trip, smoothing out bumps along the way. The portfolio slightly lagged the U.S. market but beat the global market, which is actually a healthy sign for a globally diversified setup. Max drawdown was about -36%, a reminder that full‑equity portfolios can fall sharply, as seen in early 2020. Recovering in about five months shows resilience but also requires emotional tolerance. The key point: performance has been strong and broadly in line with expectations for an aggressive, stock‑only portfolio, but the ride includes deep, temporary drops.
Projection
The Monte Carlo projection runs 1,000 simulated 15‑year futures based on historical patterns to show a range of possible outcomes. Think of it as replaying market history in many slightly different ways to see what might happen. The median outcome turns $1,000 into about $2,697, with a likely middle range between roughly $1,700 and $4,300. There’s still a small chance of ending roughly flat or even below the starting point. This highlights that stocks usually reward patience, but nothing is guaranteed. The main takeaway: expectations should center around solid long‑term growth, while being mentally prepared for a surprisingly weak or exceptionally strong outcome.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with 0% in bonds, cash, or other assets. That makes it very growth‑focused and simplifies the structure, but it also means no built‑in cushion from traditionally steadier assets. Asset allocation across stocks, bonds, and cash is one of the biggest drivers of risk and return; going 100% into stocks usually boosts long‑term return potential but also amplifies the size and frequency of drawdowns. This allocation aligns with a growth‑oriented mindset and is consistent with the “Growth Investors” risk classification, but it requires a longer time horizon and the ability to sit through potentially large and rapid market swings without reacting emotionally.
Sectors
- Technology 24%
- Financials 17%
- Industrials 12%
- Consumer Discretionary 11%
- Health Care 8%
- Telecommunications 8%
- Energy 6%
- Consumer Staples 5%
- Basic Materials 4%
- Real Estate 2%
- Utilities 2%
Sector exposure is fairly broad, with technology the largest at 24%, followed by financials, industrials, and consumer areas, plus meaningful slices in telecom, energy, staples, and others. This looks quite similar to common global benchmarks, which is a positive sign for diversification. A tech‑tilt is normal today because many of the biggest index constituents are tech‑related, and that’s reflected here. The benefit is participation in some of the most innovative parts of the economy; the trade‑off is that tech and growth‑heavy periods can be more volatile when interest rates change or sentiment flips. Overall, the sector mix is well‑balanced and aligned with broad market standards.
Regions
- North America 72%
- Europe Developed 11%
- Japan 5%
- Asia Developed 4%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, roughly 72% is in North America, with the rest spread across developed Europe, Japan, other developed Asia, emerging Asia, and smaller allocations to Australasia, Africa/Middle East, and Latin America. This is quite close to the actual global market weights, where the U.S. naturally dominates because of its large market size. That alignment is a real strength: it taps into global growth while still reflecting the leading role of U.S. companies. The result is solid diversification across economies and currencies, without any extreme regional bets. The main implication is that returns will be heavily influenced by North American markets, but not exclusively so.
Market capitalization
- Mega-cap 38%
- Large-cap 26%
- Mid-cap 15%
- Small-cap 12%
- Micro-cap 8%
By market cap, the portfolio tilts toward larger companies, with about 64% in mega‑ and large‑caps, and the rest across mid, small, and even micro‑caps. Large‑caps tend to be more stable and widely followed, while small and micro‑caps can be more volatile but often offer higher growth potential. The explicit 15% allocation to a small‑cap value ETF boosts exposure to the smaller end of the spectrum. This mix gives a nice blend: a stable large‑cap anchor plus a meaningful, but not overwhelming, allocation to smaller companies. That can slightly increase long‑term return potential while keeping overall risk at a reasonable level for an all‑equity portfolio.
True holdings
-
NV NVIDIA Corporation 3.68%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 3.45%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.57%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.83%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.61%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.36%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.27%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.25%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.03%
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
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.03%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 19.08%
Looking through the ETFs, the largest underlying exposures are familiar mega‑cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, Broadcom, and TSMC. Each of these shows up via multiple broad index funds, which naturally creates overlap and some hidden concentration in big growth companies, especially in technology and related areas. Because only top‑10 ETF holdings are captured, the true overlap is likely a bit higher than shown. This isn’t inherently bad; these companies have driven much of the market’s returns. The takeaway is simply that, even with diversified funds, a meaningful slice of risk is tied to a relatively small group of dominant global giants.
Factors
Factor exposure shows a notable tilt toward value at 60%, while size, momentum, quality, yield, and low volatility all sit in a neutral, market‑like range. Factors are like underlying “personality traits” of stocks that help explain performance over time. A value tilt means relatively more exposure to companies trading cheaper versus fundamentals compared to the broad market. Historically, value has gone through long cycles of under‑ and out‑performance, so this tilt may feel uncomfortable at times but can pay off over very long horizons. The key takeaway is that the portfolio behaves mostly like the market, with a mild extra lean toward value that adds a distinct return driver.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 50.00% 50.0% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 25.9% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 18.7% -
Schwab U.S. Large-Cap Growth ETF
Weight: 5.00% 5.5%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the U.S. total market fund is 50% of the portfolio and contributes 50% of the risk, while the international fund’s 30% weight contributes about 26% of risk, making it slightly stabilizing. The small‑cap value ETF, at 15% weight, contributes nearly 19% of total risk, showing that it’s more volatile than its size alone suggests. Top three holdings generate over 94% of risk, so most of the ride comes from them. This structure is still quite reasonable: a big, diversified core, with satellites that add a modest extra dose of volatility.
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 sitting on or very near the frontier, meaning it’s making good use of its holdings for the chosen risk level. The Sharpe ratio of 0.55 is lower than the max‑Sharpe portfolio’s 0.78 but in line with a balanced growth stance. Sharpe ratio, in simple terms, measures how much extra return you get per unit of risk above a risk‑free rate. The fact that the current mix is so close to the frontier is encouraging: it suggests the weights are already quite efficient, and any improvement from reweighting the same funds would likely be incremental rather than transformational.
Dividends
- 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) 1.60%
The overall dividend yield is about 1.6%, with the international fund contributing the highest yield and the growth fund the lowest. Dividends are cash payments companies make to shareholders and can be an important part of long‑term returns, especially when reinvested. For a growth‑oriented, 100% equity portfolio, a modest yield like this is perfectly normal, especially with exposure to growth and small‑cap segments, which often prioritize reinvestment over payouts. The main takeaway: this setup is geared more towards capital appreciation than income. Anyone relying on regular cash flow would usually need either a different mix or to plan for systematic selling rather than living off dividends alone.
Ongoing product costs
- 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) 0.07%
Costs are impressively low, with a total expense ratio around 0.07%. The core Vanguard and Schwab ETFs are especially cheap, and even the more specialized small‑cap value fund is reasonably priced. Expense ratios are ongoing fees baked into a fund’s performance; over decades, even small differences compound into meaningful dollar amounts. Keeping costs this low creates a strong tailwind for long‑term returns, since more of the portfolio’s growth stays in the investor’s pocket. This is a clear strength: the fee structure aligns well with best practices and supports long‑term compounding without unnecessary drag, especially for a buy‑and‑hold strategy.
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