Confident growth chaser with a secret semiconductor crush and a mild addiction to small cap chaos
Report created on Apr 27, 2026Risk profile
5/7
Diversification profile
4/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 39.40% -
VE Vanguard FTSE Developed Markets Index Fund ETF Shares
VEA - US9219438580 21.80% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 13.94% -
VW Vanguard FTSE Emerging Markets Index Fund ETF Shares
VWO - US9220428588 11.56% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 7.60% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 5.70%
Structurally, this portfolio is the “textbook plus doodles in the margins” version of a global equity mix. The backbone is very normal: broad US, developed, and emerging markets soaking up about 73% of the weight. Then you bolt on two small-cap value funds and a semiconductor ETF like an afterthought of bravado. It’s mostly coherent but with a noticeable “I got bored with vanilla index funds” twist. The growth-risk label of 5/7 fits: this isn’t flirting with risk, it’s dating it steadily. Overall, it looks like a sensible core that someone couldn’t resist spicing up with a few extra knobs to turn when markets get exciting.
Growth
Historically, this thing has been on a bit of a heater. A $1,000 pile turning into $2,687 since late 2019 is serious “I did not mess this up” energy. CAGR at 16.28% slightly edges the US market and comfortably beats global, so the tilts didn’t just add complexity, they added return. The downside: you paid for it with a -36% COVID plunge, a bit worse than the benchmarks. That drawdown is the kind of drop that makes people double-check their login and life choices. And remember, past returns are like old exam scores: reassuring, but the next test isn’t guaranteed to look the same.
Projection
The Monte Carlo projections basically say, “Nice run, but calm down.” Simulations suggest a median outcome of $2,860 in 15 years from $1,000, which is way tamer than recent history. Monte Carlo is just a fancy way of rolling the dice 1,000 times on different return paths, including both boring years and meltdown years. The range is wide: roughly $1,000 to over $8,000, which is finance-speak for “anything from meh to great is possible.” The average simulated return of 8.33% is a harsh downgrade from your recent 16% party, reminding that markets don’t care how well this thing did from 2019 to 2024.
Asset classes
- Stocks 100%
Asset classes: 100% stocks, 0% anything else. This isn’t a portfolio, it’s an equity monologue. There’s no bonds, no cash buffer, no diversifying weirdness—just pure ownership of businesses and all the mood swings that come with them. That’s great when markets go up because everything catches the same tailwind. Less great when markets faceplant and the entire lineup decides to dive together. Being all-equity is like driving everywhere on summer tires: feels efficient most days, but when the road gets icy, there’s nothing else in here to keep the ride from getting interesting in a bad way.
Sectors
- Technology 25%
- Financials 17%
- Industrials 13%
- Consumer Discretionary 11%
- Health Care 7%
- Energy 6%
- Telecommunications 6%
- Basic Materials 6%
- Consumer Staples 5%
- Utilities 2%
- Real Estate 2%
Sector-wise, this portfolio is pretending to be balanced while quietly hoarding tech exposure. Headline tech is 25%, which is already chunky, and that’s before you factor in a 5.7% semiconductor ETF that’s basically tech on caffeine. The rest of the spread—financials, industrials, energy, staples—looks diversification-flavored enough to pass a quick glance test. But underneath, a big chunk of your fate still leans on chips, platforms, and digital everything. It’s like saying you have a varied diet because you eat different types of fast food. When the tech cycle sneezes, this setup is catching a solid cold.
Regions
- North America 61%
- Europe Developed 14%
- Japan 7%
- Asia Developed 6%
- Asia Emerging 6%
- Australasia 2%
- Africa/Middle East 2%
- Latin America 1%
Geographically, this is clearly a US portfolio that reluctantly acknowledged the rest of the planet exists. North America at 61% dominates, with Europe, Japan, and other regions sprinkled in like garnish. It’s not “America or bust,” but it is “America is home base and everyone else is a side quest.” The emerging markets slice is modest but present, enough to add some volatility seasoning without fully committing to the chaos. For a globally diversified label, this is closer to “US first, world later.” If the US keeps winning, it looks smart. If not, that home bias suddenly looks very loud.
Market capitalization
- Mega-cap 34%
- Large-cap 25%
- Mid-cap 18%
- Small-cap 14%
- Micro-cap 8%
The market cap mix is where the portfolio drops the polite act and leans into being a bit of a thrill-seeker. Around 34% mega-cap and 25% large-cap keep things grounded, but then you’ve got 18% mid, 14% small, and 8% micro. That’s a lot of love for the little guys relative to a standard market index. It’s like a big-company portfolio that moonlights as a small-cap hobby shop. Those smaller names can move fast in both directions—fun in bull markets, unforgiving when things turn. You didn’t just tilt toward smaller companies; you gave them a real seat at the table.
True holdings
-
NV NVIDIA Corporation 3.54%
Part of fund(s):- VanEck Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 2.33%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 1.72%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.48%
Part of fund(s):- Vanguard FTSE Emerging Markets Index Fund ETF Shares
-
AV Broadcom Inc 1.40%
Part of fund(s):- VanEck Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.26%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.05%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 0.83%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.78%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 0.65%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 15.05%
The look-through holdings scream “I love the usual suspects but I’m pretending this is diversification.” NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla—this is the standard mega-cap tech celebrity lineup. The kicker is that these names are showing up via multiple ETFs, especially your broad US and semi exposure, so the 3.54% in NVIDIA and 2–3% in other giants is likely understated. Overlap is only based on top-10 ETF positions, so the true concentration is probably higher. It’s not dangerous on its own, but let’s not pretend this is some quirky contrarian portfolio—it’s the same stars, just wrapped in different fund logos.
Factors
Factor-wise, this portfolio is quietly running a small tilt while acting mostly mainstream. Factor exposure is like checking the ingredient label instead of trusting the marketing. Size comes in at 60%, meaning a mild lean toward smaller companies, which lines up with the dedicated small-cap value funds and the chunky small/micro slice. Everything else—value, momentum, quality, low volatility, yield—sits basically at “market-like.” No heroic bet on deep value, no high-yield obsession, no ultra-defensive slant. It’s surprisingly reasonable: one clear nudge toward smaller stocks, the rest a shrugging “eh, we’ll just own the market and see what happens.”
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 39.40% 38.7% -
Vanguard FTSE Developed Markets Index Fund ETF Shares
Weight: 21.80% 19.5% -
Avantis® U.S. Small Cap Value ETF
Weight: 13.94% 17.1% -
Vanguard FTSE Emerging Markets Index Fund ETF Shares
Weight: 11.56% 9.8% -
VanEck Semiconductor ETF
Weight: 5.70% 8.4% - Top 5 risk contribution 93.4%
Risk contribution reveals who’s actually driving the drama, and your top three funds are absolutely hogging the stage—over 75% of total portfolio risk. Vanguard Total Stock Market and Vanguard Developed Markets are roughly pulling risk in line with their size, like well-behaved anchors. The Avantis U.S. Small Cap Value ETF, though, is punching above its weight with a risk/weight ratio of 1.23. Then the semiconductor ETF takes it up a notch: at 5.7% weight and 8.38% of total risk, it’s your little chaos machine. These smaller satellites aren’t just cute tilts; they’re materially cranking up the portfolio’s emotional rollercoaster.
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 efficient frontier, your portfolio is… fine, but not exactly brag-worthy. The Sharpe ratio of 0.62 sits noticeably below both the minimum variance portfolio (0.71) and the max Sharpe setup (1.05). The efficient frontier is just a curve showing the best possible risk/return combos using your existing ingredients with different weightings. Being 2.83 percentage points below that line at your current risk level means the same holdings could have been arranged to squeeze more return out of each unit of volatility. In plain English: you picked decent ingredients, then slightly underachieved on the recipe. Not tragic, just suboptimal.
Dividends
- Avantis® International Small Cap Value ETF 2.90%
- Avantis® U.S. Small Cap Value ETF 1.30%
- VanEck Semiconductor ETF 0.20%
- Vanguard FTSE Developed Markets Index Fund ETF Shares 2.80%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.50%
- Weighted yield (per year) 1.75%
The dividend profile is unapologetically underwhelming at a 1.75% yield. The income here is more “coffee money” than “rent money.” That lines up with the growthy, small-cap-tilted, and semiconductor-heavy bits, which are not exactly famous for showering investors in cash payouts. Some of the international and emerging exposures do add a little more yield, but the overall picture is clear: this portfolio is banking on price appreciation, not regular paychecks. It’s not wrong, just a bit funny when people call it “income” with a straight face. This is a capital growth engine with a side of pocket change.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- VanEck Semiconductor ETF 0.35%
- Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
- Weighted costs total (per year) 0.11%
Costs are almost suspiciously reasonable, with a total TER of 0.11%. That’s “you actually read more than one line of the factsheet” territory. The core Vanguard funds are basically charging couch-cushion money, while the Avantis and semiconductor ETFs are pricier but not egregious. You did sneak in some mid-30 bps funds for your tilts, but overall, this fee level is hard to roast seriously. It’s like complaining that your discount flight only charges for meals. If anything, the main joke is that all this drama—small caps, semis, global sprawl—is being generated on a pretty cheap subscription.
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