A growth hungry portfolio double fisting momentum and small value and pretending volatility is optional
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
Growth Investors
This fits someone who has a strong risk tolerance, a long time horizon, and a slightly cocky belief in US stocks. The personality behind this is comfortable with volatility, maybe even a little addicted to watching markets swing, and more focused on growth than on smooth sailing. Short-term drops are accepted as the cost of aiming high, and there’s probably a “ride it out” mentality buried in there. It suits goals like long-term wealth building or retirement that’s many years away, not funding next year’s house down payment. Patience, discipline, and the ability to not freak out in a –30% drawdown are mandatory equipment.
Positions
-
Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 40.00% -
Fidelity 500 Index Fund
FXAIX - US3159117502 30.00% -
Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.00% -
Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 15.00%
This setup is basically an S&P 500 shrine with a couple of spicy side dishes. Around 70% is core S&P exposure, 40% of that turbocharged with momentum and another 15% shoved into small cap value, plus 15% tossed to international to look “worldly.” It’s like ordering three versions of the same burger and adding a salad so you can say you’re healthy. The main issue: big hidden overlap and a lot of US large cap risk wearing different costumes. A cleaner structure using one clear core, one satellite tilt, and a defined slice for non-US would make it easier to understand, monitor, and actually control risk.
Growth
That 17.38% CAGR is the kind of number that makes people think they’re investment geniuses. CAGR, or Compound Annual Growth Rate, is basically “average speed” over the trip, not showing the potholes. A max drawdown of –34.36% means at some point this thing felt like a gut punch, not a gentle dip. Also, 90% of returns coming from 23 days says performance is a drama queen: miss a few big up days and the story changes fast. Past data is like last year’s weather — informative, not psychic. It’s fine to be proud of the returns, but planning based on those numbers alone is asking to be humbled.
Projection
Monte Carlo simulation is just a fancy way of saying, “Let’s roll the dice 1,000 times and see how often this blows up.” Here, a median outcome around 6.5x (646.8%) looks heroic, and even the 5th percentile around 0.91x suggests not much long-term disaster in the model. But models are trained on yesterday’s markets and assume the future behaves “kind of similar.” That’s cute, but reality doesn’t care. The very high simulated annual return (17.8%) screams “optimistic inputs.” Treat these outputs as a rough map, not GPS. Better to stress-test lower return assumptions and uglier drawdowns before declaring victory.
Asset classes
- Stocks 100%
- Cash 0%
- Other 0%
- No data 0%
Asset class breakdown: 100% stocks, 0% everything else. This isn’t “Growth,” this is “I don’t believe bonds are real.” All-equity can be totally fine for long horizons, but let’s not pretend this is middle-of-the-road. It’s like driving everywhere at 90 mph because you “hate going slow” — workable until the first real accident. No stabilizers means every correction, crash, or panic hits full force with no shock absorbers. If the time horizon is truly long and the stomach is truly strong, fine, but even a small slice of lower-volatility assets could turn bone-rattling crashes into hits you can more easily ride out.
Sectors
- Technology 27%
- Financials 19%
- Industrials 12%
- Telecommunications 10%
- Consumer Discretionary 6%
- Health Care 6%
- Consumer Staples 6%
- Energy 4%
- Consumer Discretionary 3%
- Utilities 3%
- Basic Materials 3%
- Real Estate 2%
Sector-wise, this thing is hooked on US growth stories: 27% in tech, plus hefty doses of financials, industrials, and communication services. It looks suspiciously like the S&P 500 with a little extra caffeine from momentum and small value. Tech and growth-heavy concentration means you’re basically betting markets keep rewarding the same darlings. When tech sneezes, this portfolio will catch pneumonia. Momentum funds especially love chasing what's hot, then dumping it when it cools, which can amplify whiplash in sector tilts. A more balanced spread across sectors or at least some guardrails on how wild those tilts can swing would calm the ride.
Regions
- North America 86%
- Europe Developed 6%
- Asia Emerging 2%
- Japan 2%
- Asia Developed 2%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
- Europe Emerging 0%
Geographically, this is “America or bust” with 86% in North America and a lonely 14% scattered around the rest of the planet. The 15% international fund is basically there to say, “See, diversification!” but the US still dominates the show. That works great in years when the US crushes everything, but global leadership rotates, sometimes for painfully long stretches. It’s like only watching one sports league and insisting it’s the best forever. For a growth-focused setup, this isn’t disastrous, just myopic. Nudging non-US exposure higher and being intentional about it could lower home-country risk without killing the return story.
Market capitalization
- Mega-cap 36%
- Large-cap 34%
- Mid-cap 13%
- Small-cap 8%
- Micro-cap 7%
The market cap mix is mostly mega and big caps (about 70%), with a decent but not insane tilt into small and micro (around 15%). The small cap value ETF adds some much-needed grit, but combined with momentum and a big S&P core, the overall feel is still “giant US companies plus a side quest.” Small and micro caps can punch hard in both directions: great long-term potential, ugly drawdowns. This combo means you’re relying on megacaps for stability while letting the small-value sleeve add spice. That’s reasonable, but if volatility becomes unbearable, the problem likely sits in that small-cap tilt dial.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.50%
- Fidelity 500 Index Fund 1.10%
- Invesco S&P 500® Momentum ETF 0.70%
- Vanguard Total International Stock Index Fund ETF Shares 3.10%
- Weighted yield (per year) 1.30%
The total yield of 1.3% is basically a polite “don’t expect much cash from us.” This is clearly a growth-focused setup, not an income machine, which is fine as long as no one expects it to pay the bills soon. The international fund props up yield a bit, but momentum and large-cap growth lean naturally lower on dividends. Chasing yield here would actually clash with the strategy; forcing high payouts would probably mean dragging in slower, stodgier stuff. If income is a real goal down the road, it would make sense to plan a gradual shift rather than waking up at 60 and suddenly hunting for 4–5% yield.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Fidelity 500 Index Fund 0.02%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.10%
Costs are one of the few things here that don’t need a lecture. A total TER of 0.10% is impressively low — almost suspiciously competent, like you accidentally made a smart choice while looking for something else. The only relatively pricey piece is the small cap value ETF at 0.25%, which is still very reasonable for that space. Low fees mean more of the portfolio’s chaos and brilliance actually ends up in your pocket. Just don’t use low costs as an excuse to constantly tweak or trade; behavior can quietly undo every advantage those cheap expense ratios are giving you.
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 trade-off, this portfolio is basically saying, “I’ll take the roller coaster, not the kiddie ride.” “Efficiency” here means: Are you getting enough extra return for the extra stomach-churning risk? With a max drawdown in the mid-30s and all-equity risk, you’re clearly living away from the conservative corner. Historically high returns help, but a more efficient setup might get similar long-term growth with slightly lower drama by dialing down overlaps and adding a touch of true diversifiers. Right now, it’s a bit like ordering three espressos instead of two — impressive, but not exactly optimized for sleeping at night.
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