Broad low cost global equity mix with a tilt toward US stocks and modest small value exposure
Report created on Jun 3, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 65.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 25.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00%
This portfolio is a simple three‑ETF setup fully invested in stocks. About two‑thirds sits in a broad US total market fund, a quarter in a broad international fund, and the remaining slice in a US small‑cap value ETF. That structure keeps things straightforward while still adding a bit of nuance through the smaller value-tilted piece. From an educational angle, this is a classic “core and satellite” style: broad market funds form the core, with a focused ETF adding a specific flavor. The overall mix leans toward growth, because there are no bonds or cash buffers, but still spreads risk across thousands of companies worldwide.
Growth
From late 2019 to mid‑2026, $1,000 in this portfolio grew to about $2,553, which is a compound annual growth rate (CAGR) of 15.1%. CAGR is like your average speed on a road trip, smoothing out all the bumps along the way. Over this period, it slightly trailed the US market but beat the global market, landing in a solid middle ground. The worst peak‑to‑trough drop was about –36% during early 2020, taking a few months to recover, which shows this portfolio can experience sharp swings. That behavior is typical for an all‑equity “growthy” mix and reflects normal stock market volatility rather than anything unusual.
Projection
The Monte Carlo projection takes the portfolio’s past behavior and shakes it up into 1,000 alternate futures to see a range of possible outcomes. It’s like running weather simulations: each path is different, but patterns emerge. Over 15 years, the median path turns $1,000 into about $2,783, with a wide but realistic spread between weaker and stronger scenarios. Around three‑quarters of simulations end with a gain, but some outcomes are close to the starting value, showing that risk is very much present. These projections are useful for illustrating uncertainty, not for predicting exact numbers, and they rely on the assumption that future markets somewhat resemble the past.
Asset classes
- Stocks 100%
All of this portfolio is in one asset class: stocks. That creates a clear, focused exposure to equity growth, without the dampening effect that bonds or cash typically provide. In practice, that means bigger upside in strong markets and deeper drawdowns when stocks fall. Many broad benchmarks mix in bonds to smooth the ride, so compared with those, this portfolio accepts more fluctuation in exchange for higher long‑term growth potential. As long as that trade‑off is understood, a 100% equity structure can be a deliberate choice rather than a flaw. The key implication is that portfolio volatility is driven almost entirely by stock market behavior.
Sectors
- Technology 27%
- Financials 16%
- Industrials 12%
- Consumer Discretionary 10%
- Health Care 8%
- Telecommunications 8%
- Energy 5%
- Consumer Staples 5%
- Basic Materials 4%
- Utilities 2%
- Real Estate 2%
Sector‑wise, the portfolio is tilted toward technology, with meaningful weights in financials, industrials, and consumer‑related businesses, plus smaller slices in areas like energy, materials, and utilities. This pattern looks broadly similar to common global equity benchmarks, which often have tech and financials near the top. Tech‑heavy allocations can benefit more during innovation and growth cycles but may react strongly to changes in interest rates or sentiment around high‑growth companies. The presence of more defensive sectors like consumer staples, utilities, and health care, even at smaller weights, helps balance out some of that cyclical sensitivity. Overall, the sector mix looks reasonably diversified and aligned with global market structure.
Regions
- North America 77%
- Europe Developed 9%
- Asia Developed 4%
- Japan 4%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, the portfolio leans heavily toward North America at about 77%, with the rest spread across Europe, developed Asia, Japan, and several smaller regions. That US‑tilt is common in many global portfolios and has been rewarded in recent years as US markets outperformed many others. However, it also means results are closely tied to the US economy, politics, and currency. Compared with a pure global market index, this mix places somewhat more weight on North America and less on other regions. The positive here is simple clarity: the main growth engine is easy to identify, while international holdings still add diversification via different economies, policies, and business cycles.
Market capitalization
- Mega-cap 38%
- Large-cap 27%
- Mid-cap 17%
- Small-cap 10%
- Micro-cap 6%
By market cap, this portfolio is anchored in mega‑ and large‑cap companies, with a healthy slice in mid‑caps and a notable allocation to small and even micro‑caps. Market capitalization is just the total value of a company’s shares; bigger firms tend to be more stable, while smaller ones can be more volatile but sometimes faster‑growing. The small‑cap value ETF clearly shows up here, increasing exposure to the lower end of the size spectrum. That combination means the portfolio behaves broadly like the overall market but can show more movement during periods when smaller companies or value-tilted stocks swing sharply. This spread across sizes supports diversification within equities themselves.
True holdings
-
NV NVIDIA Corporation 4.31%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 3.73%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.83%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.40%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.10%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.85%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.65%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.25%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.01%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.96%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 22.10%
Looking through the ETF top holdings, the portfolio’s biggest underlying exposures cluster in a familiar set of large technology and consumer companies such as NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, and Tesla. These names appear primarily via the total market ETFs, so there isn’t much direct single‑stock duplication beyond what broad indexes already hold. Still, those top positions together make up a meaningful slice of the equity exposure, reflecting how modern indices are naturally concentrated in large growth companies. Hidden overlap is relatively modest because you’re using broad funds that track similar universes, but it’s worth noting that portfolio results will be strongly influenced by how these mega‑caps perform.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility is broadly neutral, sitting close to market‑like levels. Factors are basically the “traits” that explain why some stocks behave differently from others, such as being cheaper (value), smaller (size), or steadier (low volatility). A neutral profile means this portfolio isn’t making big bets on any particular trait, even with the small‑cap value slice included. In real‑world terms, it should behave similarly to a broad global equity market, rather than swinging more dramatically in line with any specific style. That kind of balanced factor footprint can be helpful if the goal is to mirror the overall stock market’s drivers.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 65.00% 66.0% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 25.00% 21.7% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 12.3%
Risk contribution shows how much each holding adds to the portfolio’s overall ups and downs, which can differ from its simple weight. Here, the US total market ETF makes up 65% of the portfolio and contributes about 66% of the risk, so its impact is very much in line with size. The international ETF actually contributes slightly less risk than its weight, likely because its movements aren’t perfectly synchronized with the US market. The small‑cap value ETF punches somewhat above its weight in risk, adding more volatility per dollar invested. This pattern is normal: narrower, more volatile funds tend to have outsized influence even when they occupy a smaller slice.
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‑return chart shows the portfolio sitting right on, or very close to, the efficient frontier. The efficient frontier is the curve representing the best possible return for each level of risk using the existing holdings in different weights. With a Sharpe ratio of about 0.61, the current mix delivers decent risk‑adjusted returns, though the “optimal” version on the chart reaches a higher Sharpe by slightly tweaking weights. The key takeaway is that the existing allocation already uses the three ETFs in a broadly efficient way, without obvious waste in the risk taken. Any adjustments from here would be about fine‑tuning rather than fixing a major imbalance.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.60%
- Weighted yield (per year) 1.43%
The overall dividend yield of about 1.43% is modest but meaningful as part of total return. Dividends are the cash payments companies make to shareholders, and they can be thought of as a steady drip that complements price changes. The international fund has the highest yield among the three, while the US total market and small‑cap value pieces pay lower but still positive amounts. For a growth‑tilted equity portfolio, this level of income is pretty typical, reflecting a focus on companies that may reinvest more earnings rather than paying them out. Over time, even a modest yield can contribute noticeably when reinvested and compounded.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- 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) 0.06%
Costs in this portfolio are impressively low, with a blended total expense ratio (TER) of about 0.06% per year. TER is the ongoing fee charged by funds, expressed as a percentage of your investment; it quietly reduces returns in the background. This mix leans heavily on ultra‑low‑cost Vanguard index ETFs, with only a slightly higher fee on the small‑cap value slice. Compared with many actively managed funds or pricier ETFs, this fee level is very competitive and supports better long‑term performance by leaving more of the return in your pocket. Low costs are one of the few things investors can control, so this structure is doing strong work on that front.
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