Growth tilted global equity portfolio with strong value exposure and modest risk concentration in US stocks
Report created on May 26, 2026Risk profile
5/7
Diversification profile
4/5
Positions
-
SP State Street® SPDR® Portfolio S&P 500® ETF
SPYM - US78464A8541 45.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 20.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 20.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 15.00%
This portfolio is made up of four equity ETFs, with no bonds or cash in the mix. About 45% sits in a broad US large-cap index, 20% in US small-cap value, 20% in US momentum, and 15% in broad international stocks. That structure leans clearly toward US equities, while still leaving a meaningful slice outside the US. A growth-focused equity blend like this generally aims for capital appreciation rather than steady income. The mix of a plain index ETF plus value and momentum funds adds extra “active-like” tilts on top of a core market exposure, which can change how the portfolio behaves compared with a simple index-only approach.
Growth
From late 2019 to May 2026, $1,000 in this portfolio grew to about $2,849, a compound annual growth rate (CAGR) of 17.08%. CAGR is the “average speed” of growth per year, smoothing out ups and downs. That’s slightly ahead of the US market’s 16.46% and clearly above the global market’s 13.87%. The worst drop, or max drawdown, was about -35.6%, a bit deeper than the benchmarks but recovered in about five months. This pattern—higher return with a somewhat sharper dip—fits a growthy, factor-tilted equity mix. As always, past performance doesn’t guarantee similar results in the future.
Projection
The Monte Carlo projection looks at many possible futures using the portfolio’s historical behaviour as a guide. It runs 1,000 simulations of how returns could unfold over 15 years, then shows a range of outcomes. Starting from $1,000, the median result is about $2,743, with a “middle” range from roughly $1,858 to $4,228. Monte Carlo is like rolling loaded dice thousands of times to see typical and extreme paths. It’s important to remember these are statistical guesses, not promises: markets can change, correlations can shift, and future returns can be higher or lower than this backward-looking model suggests.
Asset classes
- Stocks 55%
- No data 45%
On the asset-class view, 55% of the portfolio is flagged as stocks, with 45% shown as “no data,” which simply means the system doesn’t have a clear tag for that portion. All named holdings are equity ETFs, so the practical takeaway is that the portfolio behaves like 100% equities with no built-in ballast from bonds or cash. Asset allocation by class often drives most of a portfolio’s risk and return, so an all-equity stance tends to mean stronger swings and more reliance on long-term growth. The absence of other asset classes also makes diversification mainly an equity-only story.
Sectors
- Technology 15%
- Financials 10%
- Industrials 8%
- Consumer Discretionary 5%
- Energy 5%
- Health Care 3%
- Telecommunications 3%
- Consumer Staples 3%
- Basic Materials 2%
- Utilities 1%
- Real Estate 1%
Sector-wise, the portfolio is clearly tilted toward economically sensitive areas. Technology is the largest identified sector at 15%, followed by financials and industrials. More defensive segments like utilities, real estate, and consumer staples are present but small. Relative to broad global benchmarks, this looks somewhat growth-leaning because of the higher technology share and modest exposure to more cyclical areas like energy and consumer discretionary. Sector balance matters because different parts of the economy lead at different times. A setup like this can do well when growth and innovation are rewarded, but may feel bumpier during periods when investors favour stability and defensiveness.
Regions
- North America 41%
- Europe Developed 5%
- Asia Developed 2%
- Japan 2%
- Asia Emerging 2%
- Australasia 1%
- Latin America 1%
- Africa/Middle East 1%
Geographically, about 41% of the portfolio is tagged to North America, with the rest spread across Europe, developed and emerging Asia, Japan, Latin America, Africa/Middle East, and Australasia. That’s more US-heavy than a market-cap-weighted global index, where the US is large but not this dominant. At the same time, having visible exposure across all major regions adds a useful layer of international diversification compared with a purely domestic portfolio. Geographic mix affects currency exposure and sensitivity to local economic shocks, so this pattern aligns with a US “home base” plus a diversified foreign sleeve rather than a fully global-first stance.
Market capitalization
- Mega-cap 15%
- Large-cap 14%
- Small-cap 11%
- Micro-cap 9%
- Mid-cap 5%
The market-cap breakdown shows exposure across the size spectrum: mega-cap at 15%, large-cap 14%, mid-cap 5%, small-cap 11%, and micro-cap 9%. This is more size-diversified than a typical broad index, which is usually dominated by mega- and large-caps. Smaller companies can offer higher growth potential but often come with more volatility and sometimes lower liquidity. The dedicated US small-cap value fund is the main driver of the small and micro-cap exposure. This multi-size structure means the portfolio doesn’t rely only on the biggest global names; its performance can also be meaningfully influenced by how smaller companies are doing.
True holdings
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NV NVIDIA Corporation 5.36%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
AV Broadcom Inc 2.90%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
AA Apple Inc 2.90%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
GO Alphabet Inc Class A 2.65%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
MS Microsoft Corporation 2.20%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
GO Alphabet Inc Class C 2.11%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
AM Amazon.com Inc 1.88%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
MU Micron Technology Inc 1.75%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
ME Meta Platforms Inc. 0.97%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
JN Johnson & Johnson 0.82%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Top 10 total 23.55%
Looking through the top ETF holdings, the biggest underlying positions include NVIDIA, Broadcom, Apple, Alphabet (both share classes), Microsoft, Amazon, Micron, Meta, and Johnson & Johnson. Several of these appear via more than one ETF, which creates overlap—especially in the large US technology and communication names. For instance, NVIDIA alone accounts for about 5.36% of the portfolio through multiple funds. Because only ETF top-10 positions are captured, overall overlap is likely understated. This hidden concentration means that, even with many holdings inside the ETFs, a relatively small set of mega-cap leaders can significantly drive portfolio returns.
Factors
On factor exposure, the standout tilt is value at 62%, which is a “high” reading above the 50% market average. Factor exposure is like checking which ingredients—such as value, momentum, or quality—are most prominent in a recipe. A stronger value tilt usually means more weight in stocks that look cheaper on metrics like earnings or book value. The size, momentum, quality, yield, and low-volatility factors all sit in the neutral band, so there’s no major tilt there. Overall, this is primarily a value-tilted equity portfolio layered onto a broadly market-like foundation, which can behave differently from pure growth or pure momentum approaches.
Risk contribution
-
State Street® SPDR® Portfolio S&P 500® ETF
Weight: 45.00% 43.4% -
Avantis® U.S. Small Cap Value ETF
Weight: 20.00% 24.3% -
Invesco S&P 500® Momentum ETF
Weight: 20.00% 19.9% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 15.00% 12.4%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from its weight. The S&P 500 ETF is 45% of capital and contributes about 43% of risk—pretty proportional. The small-cap value ETF is 20% of capital but about 24% of risk, reflecting the higher volatility typically seen in smaller, value-oriented stocks. The momentum ETF’s risk share is close to its weight, while the international ETF contributes a bit less risk than its 15% allocation. The top three holdings together drive nearly 88% of total risk, underlining that most volatility comes from those core US-focused positions.
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 current portfolio delivering about 17.99% expected return with 20.44% risk, giving a Sharpe ratio of 0.68. The efficient frontier is the curve of best possible trade-offs between risk and return using only these four ETFs with different weights. Here, the current mix sits about 1.86 percentage points below that frontier at its risk level, while an alternative weighting could raise the Sharpe ratio to 0.97. In plain terms, the chart says the existing ingredients are strong, but a different recipe of the same four funds could have delivered better risk-adjusted performance historically, without changing which ETFs are held.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco S&P 500® Momentum ETF 0.70%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- State Street® SPDR® Portfolio S&P 500® ETF 1.00%
- Weighted yield (per year) 1.26%
The overall dividend yield is about 1.26%, which is modest and consistent with a growth-focused equity mix. Yield is the cash income paid out each year as a percentage of portfolio value. The highest-yielding ETF here is the international fund at 2.70%, while the small-cap value and broad US index sit around 1–1.3%, and the momentum ETF is lowest at 0.70%. This pattern points to returns historically being driven more by price appreciation and factor tilts than by income. For someone tracking total return, dividends are a smaller component of the story compared with capital growth and volatility management.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.08%
The portfolio’s weighted ongoing cost (TER) is about 0.08% per year, which is impressively low for a multi-ETF, factor-tilted setup. TER, or Total Expense Ratio, is the annual fee charged by the funds, taken directly from returns. The broad US and international ETFs are especially cheap, and even the factor funds are reasonably priced. Low costs matter because they compound: every fraction of a percent saved each year stays invested and can grow over decades. Compared with many actively managed funds, this fee level aligns well with cost-efficient practices and supports the portfolio’s ability to keep more of any gross returns it earns.
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