Focused global equity portfolio tilted to small value with solid diversification and efficient risk balance

Report created on Apr 6, 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

The portfolio is a concentrated all‑equity mix of five Avantis ETFs, with just over half in a broad U.S. equity fund and the rest spread across U.S. small-cap value, international small-cap value, broad international, and emerging markets. That creates a clear structure: core U.S. plus smaller-company and value tilts overseas. A 100% stock allocation typically suits investors comfortable with bigger swings in exchange for higher long‑term growth potential. Because each ETF is broadly diversified inside, the overall portfolio uses only a few funds to get exposure to thousands of companies. The main takeaway is that this is a simple, growth‑oriented, equity‑only setup rather than a balanced or defensive mix.

Growth Info

From late 2019 to early 2026, $1,000 grew to about $2,382, a compound annual growth rate (CAGR) of 14.29%. CAGR is the “average speed” of growth per year, smoothing out the bumps. That return slightly trailed the U.S. market benchmark but clearly beat the global market, which is positive given the strong tilt toward smaller and value names. The tradeoff is visible in the max drawdown of -39.46% during early 2020, sharper than the benchmarks’ roughly -34%. This shows the portfolio has earned strong growth but demands tolerance for deeper dips. Past performance is useful context, but it doesn’t guarantee future results, especially over such a relatively short period.

Projection Info

The Monte Carlo projection simulates many possible 15‑year paths using historical risk and return patterns, then shows a range of outcomes. Think of it as running 1,000 alternate futures, each with different sequences of good and bad years. The median outcome roughly doubles to triples the initial $1,000, but the 5th–95th percentile range is wide, from about $945 to $7,757. That highlights how even with a growth tilt, results can vary dramatically depending on when big drops or rallies happen. The 72.3% chance of a positive 15‑year outcome is encouraging, but these are still models based on the past; real‑world returns can land outside this range.

Asset classes Info

  • Stocks
    100%

All of the allocation is in stocks, with no bonds or cash-like assets included. That’s typical for a “growth” profile and helps maximize long‑term expected return, but it also means the portfolio relies entirely on equity markets for both gains and stability. In rough markets, there’s no built‑in ballast from safer assets, so drawdowns can be sharper and last longer. Compared to a mixed stock‑bond portfolio, this setup should grow faster over decades but feel more uncomfortable in severe downturns. The key takeaway is that this structure fits long horizons and higher risk comfort, not short‑term capital preservation or spending needs.

Sectors Info

  • Financials
    18%
  • Technology
    18%
  • Industrials
    14%
  • Consumer Discretionary
    13%
  • Energy
    10%
  • Basic Materials
    7%
  • Telecommunications
    6%
  • Health Care
    6%
  • Consumer Staples
    4%
  • Utilities
    2%
  • Real Estate
    1%

Sector exposure is quite balanced: financials and technology each around 18%, followed by industrials, consumer discretionary, energy, and smaller allocations elsewhere. This looks reasonably close to broad global equity patterns, rather than being heavily skewed toward one theme like pure tech or commodities. A balanced sector mix helps because different areas of the economy lead at different times; for example, financials and energy may benefit from higher inflation, while tech often thrives on innovation and lower rates. This allocation is well‑balanced and aligns closely with global standards, which supports diversification and reduces the chance that one sector’s slump dominates overall results.

Regions Info

  • North America
    72%
  • Europe Developed
    9%
  • Japan
    7%
  • Asia Developed
    4%
  • Asia Emerging
    3%
  • Australasia
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%

Geographically, the portfolio is U.S.-tilted, with about 72% in North America and the rest spread across developed Europe, Japan, other developed Asia, emerging Asia, Australasia, Africa/Middle East, and Latin America. That’s somewhat more U.S.-heavy than a pure global market, but not extreme. For a U.S.-based investor, this aligns local currency and economy exposure with home needs, while still giving meaningful overseas diversification. Non‑U.S. holdings can help if other regions outperform the U.S. in future decades, though they also introduce foreign currency and political risk. Overall, this is a sensible balance between home bias and global reach for equity investors.

Market capitalization Info

  • Mid-cap
    25%
  • Mega-cap
    23%
  • Small-cap
    22%
  • Large-cap
    19%
  • Micro-cap
    11%

The mix by company size is unusually diverse: meaningful stakes in mega‑caps, large‑caps, mid‑caps, small‑caps, and even micro‑caps. That’s different from many cap‑weighted portfolios, where mega and large companies dominate. Smaller companies can offer higher long‑term return potential but often come with more volatility and larger price swings in crises. Having material exposure from mega‑cap down to micro‑cap means the portfolio participates in both the stability and global dominance of big firms and the growth potential of smaller ones. The tradeoff is that returns may deviate more from standard benchmarks over shorter periods, both on the upside and downside.

True holdings Info

  • NVIDIA Corporation
    2.57%
    Part of fund(s):
    • Avantis® U.S. Equity ETF
  • Apple Inc
    2.56%
    Part of fund(s):
    • Avantis® U.S. Equity ETF
  • Microsoft Corporation
    1.84%
    Part of fund(s):
    • Avantis® U.S. Equity ETF
  • Amazon.com Inc
    1.68%
    Part of fund(s):
    • Avantis® U.S. Equity ETF
  • Alphabet Inc Class A
    1.24%
    Part of fund(s):
    • Avantis® U.S. Equity ETF
  • Meta Platforms Inc.
    1.15%
    Part of fund(s):
    • Avantis® U.S. Equity ETF
  • Alphabet Inc Class C
    0.99%
    Part of fund(s):
    • Avantis® U.S. Equity ETF
  • JPMorgan Chase & Co
    0.70%
    Part of fund(s):
    • Avantis® U.S. Equity ETF
  • Exxon Mobil Corp
    0.67%
    Part of fund(s):
    • Avantis® U.S. Equity ETF
  • Micron Technology Inc
    0.53%
    Part of fund(s):
    • Avantis® U.S. Equity ETF
  • Top 10 total 13.92%

Looking through ETF top holdings, large U.S. growth names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Meta together make up a meaningful slice, even though the overall strategy tilts toward value and smaller companies. These names appear across multiple ETFs, which creates some hidden concentration: if one of these big firms has a major move, it may affect the portfolio more than any single fund’s weight suggests. Because only ETF top‑10 holdings are captured, actual overlap is likely higher, especially in broad U.S. and international funds. The main implication is that beneath the value tilt, the portfolio still has substantial exposure to the big global “growth engines.”

Factors Info

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

Factor exposure shows strong tilts toward value (71%) and size (68%), with other factors near neutral. Factors are like the “ingredients” of returns: value targets cheaper stocks; size targets smaller companies. A high value tilt tends to outperform during periods when investors rotate into cheaper, often more cyclical names, but can lag when expensive growth stocks lead. The high size tilt similarly boosts exposure to smaller firms, which historically have delivered higher average returns but with bumpier rides. Neutral readings in momentum, quality, yield, and low volatility mean the portfolio behaves broadly like the market on those dimensions, letting the value and small‑cap tilts dominate its personality.

Risk contribution Info

  • Avantis® U.S. Equity ETF
    Weight: 52.00%
    51.7%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 18.00%
    23.1%
  • Avantis® International Small Cap Value ETF
    Weight: 16.00%
    13.7%
  • Avantis® Emerging Markets Equity ETF
    Weight: 8.00%
    6.4%
  • Avantis® International Equity ETF
    Weight: 6.00%
    5.1%

Risk contribution looks at how much each ETF drives overall volatility, not just how large its weight is. The U.S. Equity ETF, at 52% weight, contributes about 52% of risk, so it’s roughly proportional. The U.S. Small Cap Value ETF is more interesting: 18% of assets but over 23% of risk, meaning it punches above its weight in driving ups and downs. Conversely, the international and emerging funds contribute slightly less risk than their weights suggest. With the top three positions making up nearly 89% of risk, this is a concentrated yet coherent structure. Adjusting the small‑cap slice is the main lever if someone wanted to dial volatility.

Redundant positions Info

  • Avantis® International Small Cap Value ETF
    Avantis® International Equity ETF
    High correlation

The correlation data shows that the international equity and international small-cap value ETFs move very closely together. Correlation measures how often and how strongly assets move in the same direction; highly correlated holdings can limit diversification benefits, especially during broad global sell‑offs. Here, the overlap suggests that while one fund targets smaller, cheaper companies, both are exposed to many of the same economic forces in overseas markets. That doesn’t make either holding “bad,” but it means they behave more like variations of a theme than completely separate risk buckets. Real diversification mainly comes from spreading across regions, sizes, and factors, which this portfolio still does overall.

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 sits right on or very close to the efficient frontier. The efficient frontier represents the best possible return for each risk level using only the existing holdings but with different weightings. The current Sharpe ratio of 0.57, while lower than the max‑Sharpe portfolio’s 0.77, is still reasonable, and the difference in expected return is tiny. This tells us the mix is already quite efficient for its chosen risk level; there isn’t a big “free lunch” from reweighting. The main takeaway is reassuring: the structure is doing what it should, with no obvious misallocation relative to what these funds can deliver together.

Dividends Info

  • Avantis® International Equity ETF 2.70%
  • Avantis® International Small Cap Value ETF 3.00%
  • Avantis® Emerging Markets Equity ETF 2.40%
  • Avantis® U.S. Equity ETF 1.00%
  • Avantis® U.S. Small Cap Value ETF 1.40%
  • Weighted yield (per year) 1.61%

The overall dividend yield of around 1.61% is modest, reflecting a focus on total return rather than income. Dividend yield is the annual cash payout from holdings as a percentage of price; higher yields matter more for investors who want regular cash flow. Interestingly, the international small‑cap value and international equity funds have yields near or above 2.7–3.0%, while the U.S. equity and small‑cap value funds are closer to 1–1.4%. That means most of the income comes from overseas value exposure. For a growth‑oriented equity investor, this level of yield is perfectly reasonable; the main driver of long‑term results here will be capital appreciation, not dividends.

Ongoing product costs Info

  • Avantis® International Equity ETF 0.23%
  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® Emerging Markets Equity ETF 0.33%
  • Avantis® U.S. Equity ETF 0.15%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Weighted costs total (per year) 0.22%

The blended total expense ratio (TER) of about 0.22% per year is low for an actively oriented, factor‑tilted set of ETFs. TER is the annual fee charged by funds, quietly deducted from returns, so lower costs leave more growth in your pocket over time. While there are cheaper plain‑vanilla index funds, this pricing is competitive given the more targeted strategy. Over decades, the difference between paying 0.22% and something like 0.50% can compound into a meaningful dollar amount, especially on larger balances. The costs are impressively low and support better long‑term performance, which is a real strength of this setup.

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