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A high-octane portfolio betting big on momentum and praying for no speed bumps

Report created on Oct 28, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Diving into this portfolio feels like watching someone play Jenga with only left turns. Stacking 40% into an S&P 500 Momentum ETF and another 20% into its MidCap cousin screams "I love living on the edge but only with familiar names." Mixing in international, emerging markets, and small cap value ETFs for 'diversification' is like adding a sprinkle of salt to your triple espresso and calling it a balanced breakfast. The approach seems to be throwing darts at a board where every section is labeled "growth," hoping none of them land on "recession."

Growth Info

With a historical CAGR of 16.22%, this portfolio has been like a sports car on an open highway – thrilling but one pothole away from a disaster. The max drawdown of -24.40% is a stark reminder that high speeds can lead to spectacular crashes. Banking on a few good days (19 to be exact) for the majority of returns is akin to playing financial roulette; exciting when it works, heart-wrenching when it doesn’t.

Projection Info

The Monte Carlo simulation, with its 1,000 different ways to predict tomorrow’s weather, shows a wide range of outcomes but leans towards sunny skies. A median projection of 465.7% growth is like expecting a pumpkin seed to grow into a carriage overnight. While the fairy tale ending sounds nice, the reality is that markets are more Brothers Grimm than Disney. Betting the farm on a scenario where you're more likely to find a golden goose than not is bold, to say the least.

Asset classes Info

  • Stocks
    100%

Putting 100% of your eggs in the stock basket without even a whisper of bonds, cash, or alternative investments is like wearing blinders in a boxing match. Sure, you can see the punch coming straight ahead, but what about the one from the side? Diversification across asset classes isn't just a nice-to-have; it's your financial plan's airbag.

Sectors Info

  • Financials
    22%
  • Technology
    21%
  • Industrials
    17%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Consumer Staples
    6%
  • Basic Materials
    5%
  • Energy
    4%
  • Utilities
    4%
  • Health Care
    3%
  • Real Estate
    2%

The sector allocation feels like someone tried to make a balanced meal out of candy, chips, and soda. Financial services and technology together account for almost half of the portfolio, making it less a case of diversified investing and more a high-stakes bet on a couple of economic sectors. While tech and finance might be the cool kids on the block today, history tells us the popular crowd can change quickly.

Regions Info

  • North America
    72%
  • Europe Developed
    9%
  • Asia Emerging
    5%
  • Asia Developed
    4%
  • Japan
    4%
  • Australasia
    2%
  • Latin America
    1%
  • Africa/Middle East
    1%

With a whopping 72% in North America, this portfolio has the geographic diversity of a burger joint's menu. Sure, there are a few international flavors thrown in, but it's mostly American cheese. While home bias is common and comforting, it's also limiting. Ignoring vast swathes of the global economy is like refusing to eat anything that isn't deep-fried — satisfying in the short term, but likely regrettable in the long run.

Market capitalization Info

  • Mega-cap
    27%
  • Large-cap
    24%
  • Mid-cap
    24%
  • Small-cap
    18%
  • Micro-cap
    5%

The market cap allocation is attempting to walk a tightrope while juggling chainsaws. With a relatively even spread across mega, big, and medium, but then leaping without looking into small and micro caps, this portfolio is playing a dangerous game of catch with grenades. It's commendable to seek growth in smaller companies, but when nearly a quarter of your portfolio is betting on the little guys, you're not diversified; you're daring.

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.

Click on the colored dots to explore allocations.

When it comes to the Efficient Frontier, this portfolio seems to think it's on a different map altogether. Chasing high returns without a care for the corresponding risk is like trying to scale Everest in flip-flops. High risk for high reward is an age-old adage, but there's a fine line between bravery and recklessness. This portfolio dances on that line, wearing a blindfold.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.40%
  • Avantis® Emerging Markets Value ETF 3.70%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Invesco S&P International Developed Momentum ETF 1.70%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Invesco S&P MidCap Momentum ETF 0.70%
  • Weighted yield (per year) 1.43%

The portfolio's dividend yield strategy is akin to expecting a Chihuahua to pull a sled. With a total yield of 1.43%, it's clear that income generation is not the priority here. However, relying on growth alone is like expecting every day to be sunny. A little rain (or income) can be a good thing; it might not be exciting, but it'll keep your garden growing through all seasons.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® Emerging Markets Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.24%

The total expense ratio of 0.24% is one of the few places this portfolio doesn't seem to be living on the edge. It's like finding out the sports car has excellent gas mileage — a pleasant surprise but hardly the main attraction. Keeping costs low is smart, especially when the rest of the strategy seems to be aiming for the moon with a homemade rocket.

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