A globally tilted all stock portfolio with strong factor exposure and impressive historic growth potential

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

Balanced Investors

This setup fits an investor who is comfortable with moderate‑to‑high risk in pursuit of strong long‑term growth. They likely have a multi‑decade horizon, are not depending on this money for near‑term spending needs, and can emotionally handle market drops without panic selling. They appreciate diversification across regions, sectors, and company sizes but are willing to accept the extra volatility that comes with value and small‑cap tilts. Instead of prioritizing steady income, they focus on total return and compounding. This kind of investor usually benefits from a clear plan, periodic rebalancing, and a strong commitment to staying the course through market cycles.

Positions

  • American Century ETF Trust
    AVLC - US0250721588
    45.00%
  • Avantis® International Equity ETF
    AVDE - US0250727031
    30.00%
  • Avantis® U.S. Small Cap Value ETF
    AVUV - US0250728773
    15.00%
  • Avantis® International Small Cap Value ETF
    AVDV - US0250728021
    10.00%

This portfolio is 100% in stock ETFs, with four positions and a clear tilt toward “value” and smaller companies. About half sits in a broad US-focused ETF, with the rest split across international and small‑cap value strategies. For a profile labeled “Balanced,” this is actually more growth‑oriented than usual, because there are no bonds or cash buffers. That matters because all‑equity portfolios can swing more sharply during market drops, even if they grow faster over decades. Someone wanting smoother ups and downs might mix in some steadier assets, while someone comfortable with volatility can keep this growth focus but should be prepared for bigger short‑term swings.

Growth Info

Historically, the portfolio shows a very strong compound annual growth rate (CAGR) of about 24%, with a maximum drawdown around –17%. CAGR is like your average speed on a long road trip, smoothing out rough patches. A drawdown is the worst peak‑to‑trough drop over the period. Compared with typical balanced benchmarks, both the return and the volatility look elevated, which is normal for an all‑stock, factor‑tilted mix. This is encouraging, but it’s crucial to remember that past performance doesn’t guarantee future results; markets move in cycles, and factor tilts can go through long cold streaks even after great historical runs.

Projection Info

The Monte Carlo analysis uses 1,000 simulations based on historical behavior to estimate a range of future outcomes. Think of it as running your portfolio through 1,000 alternate market histories to see how it might behave. The median scenario (50th percentile) ends almost 30x higher, with even the 5th percentile up more than 9x, and an average simulated annual return above 28%. Those numbers are very optimistic, partly because they lean heavily on a strong historical sample. While this gives a sense of upside potential, it’s wise to treat such projections as rough guidance, not promises, and to plan with more conservative expectations for real‑world decision‑making.

Asset classes Info

  • Stocks
    100%
  • Cash
    0%
  • Other
    0%

All assets here are in stocks, with 0% in cash or other asset classes. That creates a clean, growth‑first profile but means there’s no built‑in shock absorber when markets fall. Balanced benchmarks usually hold a mix of stocks, bonds, and sometimes alternatives, which can soften drawdowns and make returns more predictable. The “Broadly Diversified” score reflects the spread within stocks, not across different asset types. This structure is well‑suited for someone who can tolerate large fluctuations and has a long time horizon, but anyone needing near‑term withdrawals might consider adding some steadier assets outside this portfolio to handle emergencies or planned spending.

Sectors Info

  • Financials
    19%
  • Technology
    16%
  • Industrials
    16%
  • Consumer Discretionary
    13%
  • Energy
    8%
  • Basic Materials
    8%
  • Health Care
    7%
  • Telecommunications
    6%
  • Consumer Staples
    5%
  • Utilities
    2%
  • Real Estate
    1%

Sector exposure is spread across financials, technology, industrials, consumer cyclicals, energy, materials, healthcare, communications, defensives, and utilities, with no single sector dominating. This sector mix looks quite healthy and aligns reasonably well with broad global equity benchmarks, which is a strong indicator of diversification. The modest tilt toward financials and cyclicals can make results more sensitive to economic cycles, while tech and industrials can be more tied to innovation and business investment. This balance helps avoid “betting the farm” on any one story. Keeping an eye on drifting sector weights over time and rebalancing periodically can help maintain this well‑balanced structure as markets move.

Regions Info

  • North America
    64%
  • Europe Developed
    20%
  • Japan
    10%
  • Australasia
    3%
  • Asia Developed
    1%
  • Africa/Middle East
    1%
  • Latin America
    0%
  • Asia Emerging
    0%
  • Europe Emerging
    0%

Geographically, about two‑thirds of the portfolio is in North America, with most of the rest in developed Europe and Japan, and small slices in other developed regions. That’s somewhat more global than a pure US‑only portfolio, but still leans toward the home market, which is common for US investors. This alignment with developed‑market benchmarks is positive and supports broad diversification across major economies. The big gap is emerging markets, which are effectively at 0%. That can reduce exposure to faster‑growing but more volatile regions. Whether to add that kind of exposure depends on comfort with higher risk and desire for more global economic representation.

Market capitalization Info

  • Mid-cap
    27%
  • Mega-cap
    24%
  • Large-cap
    24%
  • Small-cap
    17%
  • Micro-cap
    8%

Market‑cap exposure spans mega, big, mid, small, and even micro companies, with a noticeable tilt toward smaller and mid‑sized firms. This is different from cap‑weighted benchmarks, which are dominated by mega and large caps. Smaller companies historically have offered higher potential returns but with bumpier rides and more sensitivity to economic stress. This tilt fits a growth‑oriented, factor‑focused style and can pay off over long stretches, but it may underperform large caps for years at a time. Keeping this tilt intentional—rather than accidental—is key. If at some point a smoother pattern is desired, gradually increasing larger‑cap exposure can moderate volatility.

Redundant positions Info

  • Avantis® International Small Cap Value ETF
    Avantis® International Equity ETF
    High correlation

The international small‑cap value ETF and the broader international equity ETF are noted as highly correlated, meaning they tend to move in similar directions at similar times. Correlation is a measure of how closely assets move together; when it’s high, the diversification benefit during market stress can be limited. That doesn’t automatically make either holding “bad,” but it does suggest some overlap in what they are capturing. Trimming redundancy and consolidating into fewer, more complementary holdings can sometimes reduce complexity without meaningfully changing risk. The goal isn’t owning more tickers, but owning a mix that behaves differently enough to help in various market environments.

Dividends Info

  • Avantis® International Equity ETF 2.40%
  • Avantis® International Small Cap Value ETF 2.70%
  • American Century ETF Trust 0.90%
  • Avantis® U.S. Small Cap Value ETF 1.40%
  • Weighted yield (per year) 1.60%

The portfolio’s overall dividend yield is around 1.6%, combining lower‑yield growth‑oriented US exposure with higher‑yield international and value‑tilted positions. Dividends are the cash payments companies distribute from profits, and they can be a meaningful part of long‑term equity returns, especially when reinvested. For a growth‑focused, all‑equity setup, this yield is reasonable and suggests an emphasis on total return (price gains plus dividends) rather than pure income. Anyone relying on portfolio income alone might find this payout modest and prefer higher‑yield strategies elsewhere. For long‑horizon compounding, reinvesting these dividends can quietly turbocharge growth without needing to time the market.

Ongoing product costs Info

  • Avantis® International Equity ETF 0.23%
  • Avantis® International Small Cap Value ETF 0.36%
  • American Century ETF Trust 0.15%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Weighted costs total (per year) 0.21%

The weighted ongoing cost (TER) of roughly 0.21% is impressively low for a factor‑tilted, globally diversified equity mix. TER, or total expense ratio, is like a small annual service fee charged by each fund; lower fees mean more of the return stays in your pocket over time. Versus many actively managed or niche strategies, this cost level is very competitive and supports better long‑term performance. There may be slightly cheaper plain‑vanilla options, but they often don’t include the same small‑cap and value tilts. Overall, the cost structure here is a real strength and aligns well with best practices for long‑term investing.

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.

Efficient Frontier analysis suggests that, using the existing building blocks, a more “efficient” mix could reach about a 31% expected return at the same risk level, with an optimal combo offering the same return at roughly 15% risk. The Efficient Frontier is just the set of portfolios that give the best trade‑off between risk and return for the assets you already have. In plain terms, the current mix might be leaving some potential on the table by overweighting overlapping or less efficient holdings. Tidying up correlations and fine‑tuning weights could improve the risk‑return trade‑off without changing the overall growth‑oriented, equity‑heavy philosophy.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

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.