Broad US growth portfolio with a small value tilt and modest international diversification
Report created on Apr 22, 2026Risk profile
5/7
Diversification profile
3/5
Positions
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VO Vanguard S&P 500 ETF
VOO - US9229083632 70.00% -
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%
This portfolio is built from three broad stock ETFs, with 70% in a US large‑cap index, 15% in US small‑cap value, and 15% in international stocks. So it’s firmly an equity‑only, growth‑oriented mix with most of the weight in the US but with a deliberate slice of smaller, cheaper companies and non‑US markets. Using just three funds keeps things simple and easy to follow. Structurally, this is a core‑satellite style: a mainstream US index core, with small‑cap value and international as diversifying satellites. That setup tends to behave a lot like a US stock portfolio overall, while still allowing different parts of the market to contribute when leadership shifts over time.
Growth
From late 2019 to April 2026, a hypothetical $1,000 in this mix grew to about $2,512, a compound annual growth rate (CAGR) of 15.1%. CAGR is like your average speed on a long road trip, smoothing out all the ups and downs. Over this period, the portfolio lagged the broad US market by 0.6% per year but beat the global market by 1.8% per year, reflecting its strong US tilt. The worst drawdown was about ‑35.6% during early 2020, recovering in roughly five months, which is in line with an all‑equity approach. Notably, 90% of returns came from just 21 days, underscoring how a handful of strong days can drive long‑term results.
Projection
The Monte Carlo projection looks at many possible futures using past return and volatility patterns as inputs. Think of it as running 1,000 “what if” market paths and seeing where your $1,000 might end up after 15 years. The median outcome is around $2,782, with a middle band (25th–75th percentile) between $1,843 and $4,089. There’s roughly a 75% chance of finishing ahead of $1,000, and the average annualized return across simulations is 8.09%. The wide possible range from about $925 to $7,340 shows how uncertain long‑term equity outcomes can be. As always, these results are not guarantees; they’re just a structured way of visualizing how bumpy the ride could be.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with no bonds or cash in the mix. That lines up with its “growth” risk label and explains why both returns and drawdowns have been relatively high. Stocks historically offer higher potential returns than bonds, but they also swing more in the short term, as seen in the 2020 drawdown. Compared with a mixed stock‑bond portfolio, this structure prioritizes growth over stability. The diversification score being “moderate” reflects that, within equities, you do have some spread across company sizes and regions, but you don’t have the cushioning effect that bonds or cash can provide when markets fall sharply.
Sectors
- Technology 27%
- Financials 16%
- Consumer Discretionary 11%
- Industrials 10%
- Telecommunications 8%
- Health Care 8%
- Energy 6%
- Consumer Staples 5%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector‑wise, the portfolio has a clear tilt toward technology at 27%, followed by financials at 16% and consumer‑related areas and industrials making up a good chunk. This is broadly in line with major global equity benchmarks, which are also tech‑heavy today, so the sector mix is reasonably aligned with the broader market. Tech leadership has helped returns in recent years but can bring extra sensitivity to changes in interest rates or sentiment about growth companies. The presence of energy, utilities, and real estate, even at smaller weights, adds some balance because these areas can behave differently at various points in the economic cycle. Overall, the sector composition looks well‑diversified for an equity‑only portfolio.
Regions
- North America 86%
- Europe Developed 6%
- Japan 2%
- Asia Developed 2%
- Asia Emerging 2%
- Australasia 1%
- Latin America 1%
- Africa/Middle East 1%
Geographically, about 86% of the exposure is in North America, with the rest spread thinly across Europe, Japan, other developed Asia, emerging Asia, and smaller slices in Latin America and Africa/Middle East. Global market indexes usually have around 60% in the US, so this portfolio is more US‑centric than the world market. That has been a tailwind over the last decade, as US stocks outperformed many other regions. The international slice still adds some diversification, because different economies, currencies, and policy environments can move on their own schedules. But in a major US‑specific downturn, most of this portfolio would likely feel the impact quite strongly.
Market capitalization
- Mega-cap 39%
- Large-cap 29%
- Mid-cap 16%
- Small-cap 9%
- Micro-cap 7%
By market cap, the mix is tilted toward larger companies: 39% mega‑cap and 29% large‑cap, with the rest spread across mid‑, small‑, and micro‑caps. This is pretty close to a broad market structure, but the explicit 15% in US small‑cap value bumps up the small and micro‑cap exposure compared with a pure large‑cap index fund. Larger companies tend to be more stable and dominate index performance, while smaller ones can be more volatile but sometimes offer stronger bursts of growth or recovery. This blend means the portfolio will generally move like a large‑cap index, with extra “spice” from smaller companies that may stand out in certain market cycles.
True holdings
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NV NVIDIA Corporation 5.31%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc 4.66%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.44%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.55%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.09%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.83%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.68%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.57%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.31%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 1.10%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 25.54%
The look‑through view of ETF top holdings shows notable exposure to a handful of big US names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, and Berkshire Hathaway. For example, NVIDIA alone is about 5.3% of the portfolio via the funds. These positions mostly come from the S&P 500 ETF and appear in multiple funds, which can create hidden concentration when the same company shows up more than once. Coverage is only about 29% of the portfolio because we’re only seeing ETF top‑10 positions, so total overlap is likely understated. Even so, it’s clear that the largest US tech‑driven names play a meaningful role in driving overall performance.
Factors
Factor exposure shows a clear tilt toward value at 60%, with other factors—size, momentum, quality, yield, and low volatility—sitting near neutral. Factors are like underlying “personality traits” of stocks that research links to returns, such as being cheap (value) or stable (low volatility). A mild value tilt means the portfolio leans a bit toward companies trading at lower prices relative to fundamentals, mainly through the small‑cap value ETF. In environments where cheaper stocks rebound after periods of underperformance, this can help. Neutral readings elsewhere suggest the portfolio behaves largely like the overall market on those dimensions, without strong bets on momentum, very high quality, or defensive low‑volatility characteristics.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 70.00% 69.0% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 18.4% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 15.00% 12.6%
Risk contribution looks at how much each holding adds to overall ups and downs, which can differ from its simple weight. The S&P 500 ETF is 70% of the portfolio and contributes about 69% of the risk—almost a one‑for‑one match. The small‑cap value ETF is 15% by weight but contributes around 18.4% of risk, meaning it’s a bit more volatile relative to its size. The international ETF is 15% of the portfolio but only about 12.6% of risk, so it’s slightly dampening volatility. Altogether, risk is well aligned with position sizes: there’s no single holding that is wildly outsized in terms of risk impact, though the small‑cap slice clearly adds extra punch.
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 chart compares your current mix with the best possible combinations of the same three ETFs. The Sharpe ratio, which measures return per unit of risk above a risk‑free rate, is 0.61 for the current portfolio versus 0.78 for the optimal mix and 0.64 for the minimum‑risk mix. The key point: the current portfolio sits on or very near the efficient frontier, meaning that given these three funds, the balance between risk and return is already quite efficient. The optimal portfolio bumps return slightly with almost the same risk, while the minimum‑variance version lowers risk with lower return. That suggests there isn’t a glaring inefficiency in how these holdings are weighted today.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.38%
The overall dividend yield of the portfolio is about 1.38%, with the highest yield coming from international stocks at 2.8%, followed by small‑cap value at 1.3% and the S&P 500 at 1.1%. Dividend yield is the annual cash payout as a percentage of price, like getting a small “rental income” from your shares. For a growth‑oriented, US‑heavy equity portfolio, this level of yield is pretty typical and suggests most of the expected return is geared toward price appreciation rather than income. The international slice slightly boosts the overall yield, reflecting that many markets outside the US traditionally pay higher dividends.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Vanguard S&P 500 ETF 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 (TER) of about 0.07% across the three ETFs. TER is the annual fee charged by a fund, taken out of returns behind the scenes. Keeping this number low matters because even small differences compound a lot over long periods. Here, the S&P 500 ETF at 0.03% and the international ETF at 0.05% are among the cheapest options available, while the small‑cap value fund at 0.25% is still reasonable for a more specialized strategy. Overall, the fee level is a clear strength of this portfolio and supports better long‑term performance compared with higher‑cost alternatives tracking similar markets.
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