Value Tilt.
Broad core with a measured value sleeve.
Based on Betterment's Value Tilt portfolio, this starter keeps a globally diversified passive core and adds deliberate exposure to U.S. value stocks inside the equity allocation. It remains a full passive portfolio, but asks you to accept tracking error versus a plain market-cap core.
- U.S. Total Market35%
- U.S. Large Value15%
- U.S. Mid Value3%
- U.S. Small Value2%
- Developed Markets ex-U.S.25%
- Emerging Markets10%
- U.S. Bonds7%
- International Bonds2%
- Emerging Market Bonds1%
Vanguard Total Stock Market ETF
U.S. Total Market
Vanguard Value ETF
U.S. Large Value
Vanguard Mid-Cap Value ETF
U.S. Mid Value
Vanguard Small-Cap Value ETF
U.S. Small Value
Vanguard FTSE Developed Markets ETF
Developed Markets ex-U.S.
Vanguard FTSE Emerging Markets ETF
Emerging Markets
iShares Core U.S. Aggregate Bond ETF
U.S. Bonds
Vanguard Total International Bond ETF
International Bonds
iShares J.P. Morgan USD Emerging Markets Bond ETF
Emerging Market Bonds
EU tax note: Value sleeves and bond sleeves can add fund overlap and extra turnover. In Europe, the closest UCITS implementation may use different fund wrappers and tax treatments than the original US portfolio.
Educational, not advisory. Starters illustrate published asset-allocation structures. They are not recommendations, and you remain responsible for choices that fit your jurisdiction, taxes, and horizon.
Strengths
Keeps a globally diversified core instead of replacing it with a narrow factor bet.
Makes the value overweight explicit and sized, rather than burying it inside an active fund.
Fits investors who want a passive portfolio with one deliberate style tilt.
Trade-offs
Can underperform a plain broad-market portfolio for long stretches.
More funds and more overlap than a simple total-market approach.
The UCITS implementation is a closest practical approximation, not Betterment's exact ETF set.