Globally diversified equity portfolio with value and dividend tilts and efficient risk adjusted positioning
Report created on Apr 10, 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
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 40.00% -
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. Dividend Equity ETF
SCHD - US8085247976 15.00%
This portfolio is a pure equity mix built from four low-cost ETFs, with no bonds or cash buffer. Around 40% sits in a broad domestic stock fund, 30% in a broad international stock fund, and the remaining 30% is split between small-cap value and dividend-focused U.S. stocks. That structure combines a market-like core with two “satellite” tilts toward value and income. A 100% stock allocation usually fits growth-minded investors who can handle larger ups and downs. The big takeaway is that this setup is designed for long-term capital growth with some extra flavor from small-cap value and dividends, but without the safety net that bonds or cash would normally provide.
Growth
Historically, $1,000 invested grew to about $2,256 over the period, a compound annual growth rate (CAGR) of 13.3%. CAGR is like the steady “average speed” of your money over time. This lagged the U.S. market benchmark but slightly beat the global market, which is a solid outcome for a globally diversified mix. The portfolio’s max drawdown was about -36% during early 2020, a bit worse than the benchmarks’ dips, showing that value and small caps did get hit hard. Performance also relied heavily on 19 key days, highlighting how missing even a few strong days can matter a lot. Past returns are helpful context, but they don’t guarantee anything going forward.
Projection
The Monte Carlo projection uses thousands of simulated future paths, based on historical return and volatility patterns, to estimate a range of outcomes over 15 years. It shows a median outcome of roughly $2,804 from $1,000, with a wide “likely” band from about $1,913 to $4,354 and a 77.6% chance of ending ahead. The average simulated annual return is 8.24%, noticeably lower than the backward-looking CAGR, reflecting more conservative assumptions. Monte Carlo is useful because it highlights uncertainty instead of a single point forecast, but it still leans on the past. Real-world future returns could be higher or lower, especially if market conditions change in ways not seen historically.
Asset classes
- Stocks 100%
Every dollar here is in stocks, with no allocation to bonds, cash, or alternative assets. That makes the portfolio straightforward and growth-focused but also means it fully rides the equity rollercoaster. Many broad benchmarks mix stocks with bonds to dampen volatility, especially for shorter horizons or more conservative profiles. In contrast, this setup leans firmly into long-term equity returns and accepts higher swings as the tradeoff. For investors with decades ahead and stable emergency savings elsewhere, a pure stock allocation can be reasonable. For anyone needing more near-term stability, adding other asset classes outside this portfolio is usually how to dial down the ride.
Sectors
- Technology 20%
- Financials 17%
- Industrials 12%
- Consumer Discretionary 10%
- Health Care 10%
- Energy 8%
- Consumer Staples 7%
- Telecommunications 7%
- Basic Materials 4%
- Utilities 2%
- Real Estate 2%
Sector exposure is fairly balanced, with technology around 20%, financials at 17%, and meaningful stakes in industrials, consumer areas, health care, and energy. This looks similar to broad global equity benchmarks and avoids extreme bets on any single sector. Having tech as the largest slice is common today, but it is not overwhelmingly dominant here, which helps control dependence on interest-rate-sensitive growth names. Sector balance like this tends to smooth out shocks when one part of the economy struggles. The small-cap value and dividend ETFs likely tilt you a bit more toward financials and industrials, adding some cyclical flavor without abandoning diversification.
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 Europe, Japan, developed Asia, emerging Asia, and smaller slices in other regions. This is pretty close to global market weights, where U.S. and North American companies naturally dominate because of their large market value. Such a spread reduces the risk of any single country’s economy or policy path driving everything. The allocation aligns well with global standards, which is a positive sign for diversification. Currency swings and local economic cycles will still matter, but you’re not overly dependent on one non-U.S. region, and you still get meaningful exposure to the rest of the world.
Market capitalization
- Large-cap 33%
- Mega-cap 30%
- Mid-cap 16%
- Small-cap 12%
- Micro-cap 8%
The market cap mix is nicely tiered: about 63% in mega- and large-cap stocks, with the rest in mid, small, and even micro-caps. Large and mega caps tend to be more stable and widely followed, often anchoring the portfolio’s behavior. The deliberate 15% small-cap value slice and the micro-cap exposure add more potential for higher long-term returns but also more short-term volatility. This is a thoughtful blend that keeps a strong core in big, established companies while leaving room for smaller names to contribute. The structure supports growth without becoming a high-octane small-cap portfolio that might feel too wild in downturns.
True holdings
-
NV NVIDIA Corporation 2.47%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 2.36%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 1.76%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.22%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.10%
Part of fund(s):- 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
-
AV Broadcom Inc 0.91%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 0.86%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.85%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 0.69%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 13.25%
Looking through the ETFs, the largest underlying exposures cluster in mega-cap growth names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and other tech-related leaders. These companies appear mainly via the broad U.S. and international index funds, and some names show up more than once, creating hidden concentration even though there are only four ETFs. Because only top-10 ETF holdings are visible, overlap is actually understated here. This pattern is very typical for index-heavy portfolios and aligns with global equity markets today. The practical takeaway: even in a value-tilted, diversified setup, a meaningful slice of overall risk and return will still be driven by these mega-cap growth giants.
Factors
Factor exposure shows a clear tilt toward value at 65%, meaning the portfolio leans more toward cheaper stocks relative to fundamentals than the market average. Factor exposure is like measuring how much your portfolio favors certain traits that have historically driven returns, such as value or momentum. A value tilt can help when cheaper stocks rebound or when expensive growth names cool off, but it can also lag during long growth-led rallies. Other factors like size, momentum, quality, yield, and low volatility sit around neutral, indicating a broadly market-like profile there. That combination creates a distinct value flavor while keeping the rest of the factor mix well-balanced.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 40.00% 40.7% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 26.6% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 19.7% -
Schwab U.S. Dividend Equity ETF
Weight: 15.00% 13.1%
Risk contribution data shows that the broad U.S. index fund, at 40% weight, drives about 40.7% of total portfolio volatility, roughly in line with its size. The international fund, at 30% weight, contributes a bit less risk (26.6%), helped by diversification across many markets. The small-cap value ETF is notable: at 15% weight, it contributes almost 19.7% of risk, showing that smaller, cheaper stocks punch above their weight in volatility. The dividend ETF adds slightly less risk than its weight. Overall, the top three positions drive nearly 87% of portfolio risk, which is normal for a four-holding setup but worth keeping in mind when you think about how the portfolio will feel in rough markets.
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 on or very close to the efficient frontier. The efficient frontier shows the best possible tradeoff between risk (volatility) and expected return using just the current holdings in different weightings. The portfolio’s Sharpe ratio of 0.54, compared with a higher 0.72 at the optimal mix and 0.65 at minimum variance, suggests there is some theoretical room for improvement, but you’re already in an efficient zone for your risk level. In practical terms, that means the chosen weights are doing a solid job of balancing growth and volatility given these four ETFs, with no glaring inefficiencies to worry about.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Schwab U.S. Dividend Equity ETF 3.40%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.98%
The portfolio’s overall yield is about 1.98%, supported mainly by the 3.4% yield from the U.S. dividend ETF and the higher yield on international stocks. Dividend yield is the annual cash payout relative to price, and it can provide a modest income stream or a source of reinvested growth. Here, income is a nice secondary feature rather than the primary goal. The yield level is consistent with a growth-oriented equity portfolio that still values quality and shareholder returns. Reinvesting these dividends over time can meaningfully boost compounding, even if the cash flow looks modest year to year. For pure income needs, though, this setup would usually be just one piece of the puzzle.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Schwab U.S. Dividend Equity ETF 0.06%
- 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 (TER) around 0.07%. TER is the annual fee charged by the funds as a percentage of assets, and it quietly chips away at returns over time. Being this far down in the single digits is a real strength: similar broad-market and factor exposures can easily cost several times more. Keeping fees low is one of the few things investors can control, and over decades the savings stack up. This portfolio’s cost structure is firmly aligned with best practices and supports better long-run outcomes by letting more of the underlying market return actually reach the investor.
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