A globally diversified equity portfolio with a strong small cap value tilt and growth orientation

Risk 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.

What type of investor this portfolio is suitable for

Growth Investors

This setup fits an investor who’s comfortable with meaningful ups and downs in pursuit of higher long‑term growth. They likely have a long time horizon, think 10 years or more, and don’t need to draw heavily on this money in the near future. They’re okay seeing large temporary drops on statements as long as the strategy is simple, globally diversified, and grounded in evidence‑based tilts like small and value. Their goals might include building substantial wealth, funding retirement, or growing assets for future family needs, rather than seeking steady income right now. They value low costs, broad market exposure, and are willing to stay the course through market cycles to let compounding do the heavy lifting.

Positions

  • Vanguard Total World Stock Index Fund ETF Shares
    VT - US9220427424
    70.00%
  • Avantis® International Small Cap Value ETF
    AVDV - US0250728021
    15.00%
  • Avantis® U.S. Small Cap Value ETF
    AVUV - US0250728773
    15.00%

This portfolio is built almost entirely from stocks, with one broad global fund as the core and two focused funds tilting toward smaller, cheaper companies. Around two thirds sits in the global core fund, with the rest split between the small cap value tilts. Compared with a plain “total world stock” benchmark, this structure adds more exposure to small and value companies than usual. That’s a deliberate style choice that can boost long‑term return but also bumps volatility. Keeping the core position large is a strong anchor; if this tilt is intentional, you’re broadly on the right track. Revisit weights every few years to confirm they still fit your comfort level.

Growth Info

Historically, this mix delivered about 15% per year (CAGR, or compound annual growth rate, which is the “average speed” over time), meaning a hypothetical 10,000 dollars could have grown to roughly 40,000 in 10 years. That’s much stronger than long‑run global stock averages, but it also came with a max drawdown around –38%, showing that big temporary losses are part of the ride. The fact that 90% of gains came in only 19 days highlights how missing a few strong days can seriously hurt returns. This history is impressive, but it’s just one period; avoid assuming the same pace will repeat in the future.

Projection Info

The Monte Carlo analysis runs 1,000 “what if” scenarios using historical return patterns and volatility, then randomizes them to see many possible futures. Here, the median (50th percentile) outcome suggests your money could multiply several times over a long horizon, while the 5th percentile still shows a notable gain, which is encouraging. An overall simulated annual return near 17% is very strong, but again, based on the past and not a promise. Simulations can’t foresee new crises, regime changes, or policy shifts. Treat them as weather forecasts: useful ranges, not guarantees. Use these numbers more to sanity‑check your risk comfort than to plan down to the exact dollar.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%
  • Other
    0%
  • No data
    0%

Almost all of this portfolio is in stocks, with only a small sliver in cash and nothing meaningful in bonds or alternatives. That aligns with a growth‑oriented profile and a longer time horizon, and the diversification score shows the equity side is spread out nicely. Compared with a more balanced benchmark that includes bonds, this is clearly more aggressive and will swing more in both directions. For someone still far from needing the money, that trade‑off can be fine and may reward patience. As the withdrawal date gets closer, gradually adding some steadier assets could help smooth future downturns without fully sacrificing growth potential.

Sectors Info

  • Technology
    20%
  • Financials
    18%
  • Industrials
    14%
  • Consumer Discretionary
    13%
  • Health Care
    7%
  • Telecommunications
    7%
  • Basic Materials
    6%
  • Energy
    6%
  • Consumer Staples
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is broad, covering all major parts of the economy, with technology, financial services, and industrials leading. The overall mix looks similar to global equity benchmarks, which is a strong indicator of healthy diversification. A somewhat higher tilt to economically sensitive areas like cyclicals and industrials fits the growth orientation and small value tilt, and it may add extra kick in strong expansions. The flip side is that during recessions or sharp rate hikes, these areas can fall harder and faster. Regularly checking whether one sector has grown too large relative to the rest, and trimming back only when it’s clearly out of line, can help keep risk in check without constant tinkering.

Regions Info

  • North America
    62%
  • Europe Developed
    15%
  • Japan
    9%
  • Asia Emerging
    4%
  • Asia Developed
    3%
  • Australasia
    3%
  • Africa/Middle East
    2%
  • Latin America
    1%
  • Europe Emerging
    0%

Geographically, the portfolio leans toward North America but still holds solid stakes in Europe, Japan, and the rest of the world, which lines up well with global market weights. This allocation is well‑balanced and aligns closely with global standards, offering both home bias comfort and meaningful international diversification. Exposure to emerging and smaller developed markets, while modest, adds a bit of extra growth potential and different economic drivers. That said, foreign markets can go through long stretches of underperformance versus the U.S. and may feel frustrating at times. Sticking with this broad global mix helps avoid betting too heavily on any single country’s future and supports resilience across different economic cycles.

Market capitalization Info

  • Mega-cap
    30%
  • Large-cap
    22%
  • Mid-cap
    21%
  • Small-cap
    17%
  • Micro-cap
    9%

The spread across company sizes is wide, from mega caps down to micro caps, with a noticeable overweight in small and micro compared with typical global benchmarks. That’s intentional given the small cap value funds, and it’s often linked to higher long‑term expected returns in academic research. The trade‑off is that smaller companies can be more volatile, less liquid, and more sensitive to economic shocks. This profile suits someone who can handle bumpier performance in exchange for potential extra growth. If the swings in smaller companies ever feel too intense, dialing back the small cap slice slightly while keeping the global core dominant can still preserve diversification and growth orientation.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.00%
  • Avantis® U.S. Small Cap Value ETF 1.50%
  • Vanguard Total World Stock Index Fund ETF Shares 1.80%
  • Weighted yield (per year) 1.94%

The total dividend yield of just under 2% is about in line with global stock markets, with a slightly higher payout from the international small cap value sleeve. Dividends are the cash payments companies share from profits; they can provide a modest income stream and make total returns less reliant on price gains alone. For a growth‑focused investor who is reinvesting, these payouts quietly compound over time and can add a meaningful boost in the long run. The yield level here fits a strategy that prioritizes total growth over high current income. If future cash flow becomes more important, gradually shifting part of the portfolio toward higher‑yielding holdings could support that goal.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.14%

Total costs around 0.14% per year are impressively low, especially given the inclusion of more specialized small cap value strategies alongside a rock‑bottom‑fee global core fund. Costs, often called TER or expense ratio, are like a yearly “membership fee” that comes out regardless of market performance. Keeping them low leaves more of the market’s return in your pocket and compounds in your favor over decades. This structure compares very well to typical actively managed setups that often charge several times more. Periodically confirming that no higher‑fee fund has crept into the lineup and that cheaper but equivalent options don’t exist is a simple way to preserve this cost advantage over time.

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.

On a risk‑return chart, this portfolio likely sits close to the Efficient Frontier for an all‑equity blend, meaning it’s getting a strong amount of expected return for the level of volatility taken, given the current building blocks. The Efficient Frontier is just the set of mixes that offer the best possible trade‑off between risk and return using the same ingredients. Within these three funds, small tweaks to the size of the tilts could move it slightly closer to or further from that frontier, but the overall design already looks thoughtful. Efficiency here doesn’t automatically mean “perfect diversification” or matching every benchmark; it simply reflects a well‑used mix of the chosen tools for a growth‑heavy approach.

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