Growth focused equity portfolio with strong value tilt and balanced size plus global diversification
Report created on Mar 25, 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.
What type of investor this portfolio is suitable for
Growth Investors
An investor well‑matched to this kind of portfolio is comfortable with stock‑market swings and focuses on long‑term growth over short‑term stability. They might be saving for goals 10+ years away, like retirement or building significant generational wealth, and can tolerate drawdowns of 30–40% without abandoning the plan. A moderate‑to‑high risk tolerance, willingness to stay fully invested through recessions, and trust in global capitalism’s long‑run growth are key traits. They usually don’t need to draw major income from the portfolio right now and prefer a simple, low‑cost structure with broad diversification, modest factor tilts, and limited complexity.
Positions
-
State Street® SPDR® Portfolio S&P 500® ETF
SPYM - US78464A8541 40.00% -
Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 20.00% -
Vanguard Mid-Cap Index Fund ETF Shares
VO - US9229086296 15.00% -
Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 15.00% -
Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00%
This setup is a pure equity portfolio, with all holdings in stock ETFs and zero allocation to bonds or cash. The largest slice is a broad U.S. large-cap fund, supported by a dedicated U.S. dividend ETF, a mid‑cap ETF, a small‑cap value tilt, and an international equity fund. That mix leans clearly toward growth and long‑term capital appreciation rather than capital preservation. Being 100% in stocks means higher expected returns but also sharper ups and downs, especially in market crashes. Anyone using a structure like this usually wants a long time horizon and the emotional ability to tolerate significant swings without reacting impulsively.
Growth
From late 2019 to early 2026, the portfolio turned $1,000 into about $2,192, a compound annual growth rate (CAGR) of 14.06%. CAGR is like your average yearly “speed” over the whole trip, smoothing out the bumps. This trails the U.S. market slightly but beats the global market, which is perfectly reasonable for a value‑tilted, more diversified mix. The worst peak‑to‑trough drop (max drawdown) was about –35.7%, a bit deeper than the U.S. and global references, which is the trade‑off for staying fully in equities. This history shows strong results, but remember past returns don’t guarantee anything about the next seven years.
Projection
The Monte Carlo simulation looks at many possible futures by remixing past returns and volatility patterns to build 1,000 different 10‑year paths. Think of it as rolling the dice thousands of times to see a range of outcomes rather than just one forecast. Here, the median path roughly multiplies money by more than five over 10 years, while even the 5th percentile still shows a positive, though modest, gain. That’s encouraging, but simulations rely on historical behavior continuing to some degree, which isn’t guaranteed. The spread between the low and high percentiles shows that outcomes can vary widely, so planning should account for both optimistic and more disappointing scenarios.
Asset classes
- Stocks 60%
Asset‑class exposure is straightforward: 100% stocks, 0% bonds, 0% alternatives. Many broad benchmarks include some fixed income, especially for more conservative mixes, so this is intentionally on the aggressive side. Equity‑only portfolios tend to perform very well over multi‑decade periods, but short‑term losses can be large and recovery times can feel long. This allocation is well‑aligned with a growth profile and suits people whose main focus is long‑term wealth building rather than stability. If someone needed near‑term cash or had low risk tolerance, they would usually mix in bonds or cash‑like instruments to dampen volatility and shorten potential recovery periods.
Sectors
- Financials 9%
- Industrials 9%
- Energy 8%
- Technology 7%
- Consumer Discretionary 6%
- Health Care 6%
- Consumer Staples 6%
- Basic Materials 3%
- Telecommunications 2%
- Utilities 2%
- Real Estate 1%
Sector exposure is quite balanced, with meaningful stakes in financials, industrials, energy, technology, consumer areas, healthcare, and smaller allocations elsewhere. No single sector appears overwhelmingly dominant, and the spread looks broadly in line with diversified equity benchmarks rather than being narrowly focused. That balance is helpful because leadership rotates: sometimes energy or financials drive returns, other times technology or healthcare lead. A diversified sector mix helps smooth performance across different economic environments. Tech‑heavy portfolios can suffer when interest rates spike, and energy‑heavy ones can lag during recessions, so this middle‑of‑the‑road composition is a strong indicator of sensible diversification on the sector front.
Regions
- North America 46%
- Europe Developed 6%
- Japan 2%
- Asia Developed 2%
- Asia Emerging 2%
- Australasia 1%
- Africa/Middle East 1%
Geographically, the portfolio is anchored in North America, with additional exposure to developed Europe, Japan, other developed Asia, emerging Asia, and smaller slices in Australasia and Africa/Middle East. The U.S. and North America weight is significant but not exclusive, which keeps the portfolio aligned with a global perspective while still leaning into the U.S. market’s depth and liquidity. Compared with global benchmarks, this looks like a mild U.S. overweight, which has helped in the last decade. The international slice introduces currency and regional risks but also offers diversification if U.S. stocks hit a rough patch or other regions experience periods of outperformance.
Market capitalization
- Mid-cap 22%
- Large-cap 18%
- Mega-cap 7%
- Small-cap 7%
- Micro-cap 5%
By size, there’s a healthy mix across mega, big, mid, small, and even micro‑cap companies. Large and mega‑caps still anchor the portfolio, but mid‑caps and small‑caps together form a substantial share, boosted by the dedicated mid‑cap and small‑cap value ETFs. Size exposure matters because smaller companies tend to be more volatile but historically have offered higher long‑term return potential. This spread across the size spectrum adds another diversification layer: big companies often hold up better in downturns, while smaller firms can drive performance in recoveries and expansion phases. Having both helps avoid being overly tied to the fortunes of just one segment of the market.
True holdings
-
NVIDIA Corporation 2.93%Part of fund(s):
- Schwab U.S. Broad Market ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Apple Inc 2.65%Part of fund(s):
- Schwab U.S. Broad Market ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
-
Microsoft Corporation 1.98%Part of fund(s):
- Schwab U.S. Broad Market ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
-
Amazon.com Inc 1.39%Part of fund(s):
- Schwab U.S. Broad Market ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Alphabet Inc Class A 1.23%Part of fund(s):
- Schwab U.S. Broad Market ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Broadcom Inc 1.03%Part of fund(s):
- Schwab U.S. Broad Market ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
-
ConocoPhillips 1.01%Part of fund(s):
- Schwab U.S. Dividend Equity ETF
-
Alphabet Inc Class C 0.98%Part of fund(s):
- Schwab U.S. Broad Market ETF
- State Street® SPDR® Portfolio S&P 500® ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Chevron Corp 0.98%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Schwab U.S. Dividend Equity ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Lockheed Martin Corporation 0.96%Part of fund(s):
- Schwab U.S. Dividend Equity ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 15.15%
Looking through the ETFs, the biggest underlying positions are familiar mega‑cap names like Nvidia, Apple, Microsoft, Amazon, Alphabet, Broadcom, and major energy players. These appear in multiple funds, so the true exposure to a handful of giants is higher than any single ETF’s weight suggests. Overlap is measured only from top‑10 holdings, so real concentration is likely somewhat larger than reported. This kind of hidden clustering is normal in U.S.‑heavy portfolios. The practical takeaway is that portfolio behavior will still be influenced meaningfully by the largest U.S. growth companies, even though there is a clear value and size tilt elsewhere.
Factors
Factor exposure leans strongly toward value, yield, and low volatility, with moderate tilts to smaller size and momentum. Factors are like underlying “personality traits” of stocks that research links to returns over time. A high value tilt means favoring cheaper stocks relative to fundamentals, which can excel after growth‑heavy periods cool off but may lag during speculative booms. High yield and low volatility suggest a preference for steadier, income‑producing companies that often hold up better in rough markets. This allocation is well‑balanced and aligns closely with global standards for diversified factor exposure, providing a nice counterweight to the broader market’s growth and mega‑cap bias.
Risk contribution
-
State Street® SPDR® Portfolio S&P 500® ETF
Weight: 40.00% 40.2% -
Schwab U.S. Dividend Equity ETF
Weight: 20.00% 17.9% -
Vanguard Mid-Cap Index Fund ETF Shares
Weight: 15.00% 16.0% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 13.0% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 15.00% 12.9%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the S&P 500 ETF contributes risk roughly in line with its 40% weight, while the dividend and international funds contribute slightly less risk than their allocations. The Avantis small‑cap value ETF, though only 10% of the portfolio, adds nearly 13% of the risk, reflecting small caps’ greater volatility. The top three positions together drive about three‑quarters of total risk, which is normal for a five‑fund lineup. To keep risk aligned with intent, periodic rebalancing can prevent any single holding from drifting into an outsized risk driver 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 the risk‑return chart, the current mix sits on the efficient frontier, meaning that with these exact ingredients, the weights are already used in a very efficient way. The Sharpe ratio of 0.62 matches the minimum‑variance portfolio’s risk‑adjusted return, showing a solid trade‑off between risk and reward. There is an even higher‑Sharpe “optimal” mix and a same‑risk configuration with higher expected return but also higher volatility, indicating some room for fine‑tuning if someone wanted to tweak the balance. Still, being on the frontier signals the allocation is already well‑structured, so any changes would be about personal preferences, not fixing a structural inefficiency.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.70%
- Schwab U.S. Dividend Equity ETF 3.40%
- Vanguard Mid-Cap Index Fund ETF Shares 1.50%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- State Street® SPDR® Portfolio S&P 500® ETF 1.40%
- Weighted yield (per year) 2.08%
The blended yield of about 2.08% reflects a mix of a high‑yield dividend ETF, reasonably yielding international shares, and lower‑yield U.S. broad‑market and growth names. Dividends can play two roles: providing some ongoing cash flow and quietly boosting total returns when reinvested. For long‑term accumulators, automatically reinvesting dividends helps harness compounding, like rolling small snowballs into a bigger one over time. For future retirees, a moderate yield from diversified sources can support withdrawals without relying solely on selling shares. This level of income fits nicely with a growth portfolio that still has a meaningful quality and income component rather than being purely speculative.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Schwab U.S. Dividend Equity ETF 0.06%
- Vanguard Mid-Cap Index Fund ETF Shares 0.04%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.05%
The overall cost level is impressively low, with a blended expense ratio around 0.05% thanks to ultra‑cheap core ETFs and only one modestly pricier small‑cap value fund. Costs behave like friction on an investment engine: even small differences, when compounded over decades, can add up to big gaps in ending wealth. Being this close to rock‑bottom fees strongly supports better long‑term outcomes compared with higher‑cost active strategies that often fail to deliver consistent excess returns. Keeping this fee discipline over time is a major positive, and there’s no obvious need to push expenses lower given the already excellent cost structure.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey