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FactorAggressive risk

Ginger Ale Portfolio

Optimized Portfolio

In brief

A 90/10 global portfolio with substantial small-cap value tilts across the U.S., developed international, and emerging markets.

Profile sources: Optimized Portfolio

Published
Last reviewed

At a glance

7 asset sleeves

Rebalance annually or when allocations drift materially.

Growth assets

45%

Bonds & reserves

10%

Other diversifiers

45%

Target allocation

What the portfolio holds

U.S. large-cap stocks

VOO

25%

U.S. small-cap value

AVUV

25%

Developed ex-U.S. stocks

VEA

10%

Developed ex-U.S. small-cap value

AVDV

10%

Emerging-market stocks

VWO

10%

Emerging-market small-cap value proxy

DGS

10%

U.S. Treasury STRIPS

EDV

10%

Tickers are liquid U.S.-listed examples, not recommendations or exact historical fund selections.

Allocation sources: Optimized Portfolio

Decision context

Potential advantages and trade-offs

These observations follow from the displayed allocation and implementation. They are not a recommendation or a prediction of future performance.

Potential advantages

  • Spreads its target allocation across 7 distinct sleeves rather than relying on a single holding.
  • Combines growth assets with bonds or reserves instead of depending on one broad asset class.
  • Includes non-U.S. exposure, reducing exclusive dependence on one national market.
  • Makes its factor tilts explicit rather than hiding them inside a broad-market allocation.

Important trade-offs

  • Aggressive risk means losses and drawdowns can be substantial even when the long-term thesis remains unchanged.
  • Approximately 90% of the displayed allocation is equity-like, leaving limited conventional bond ballast.
  • Long-duration Treasury exposure can be highly sensitive to changes in long-term interest rates.
  • Factor tilts can lag broad markets for long periods and require tolerance for persistent tracking error.

Portfolio Visualizer

Compare historical performance

Backtest this allocation beside two familiar U.S. equity benchmarks. The comparison starts with $10,000, reinvests dividends, and rebalances annually.

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Growth of $10,000

Monthly total returns · maximum available history

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7 holdings

Portfolio 1

Ginger Ale Portfolio

Target allocation from this profile

100%

Portfolio 2

S&P 500

SPY benchmark

100%

Portfolio 3

Nasdaq-100

QQQ benchmark

Portfolio Visualizer opens in a new tab because its site does not support embedded frames. Results begin at the latest common inception date for the selected funds.

Implementation note

This reproduces the creator's published ETF implementation as last updated June 30, 2024. DGS is a small-cap dividend fund used by the creator as an emerging-market value proxy. The large small-value tilts and extended-duration Treasury exposure can produce substantial tracking error and volatility.

Sources and context

Target allocations are educational examples, not personalized advice. Fund availability, taxes, trading costs, account type, time horizon, and capacity for loss can all change the appropriate implementation. Historical diversification does not guarantee future results.

Sources document the strategy, underlying methodology, or the representative funds used here. ETF tickers are illustrative U.S.-listed implementations and may differ from an originator’s original funds or current model.