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Tech obsessed US bubble wrap that accidentally worked but is one punch away from a nosebleed

Report created on Jul 19, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

This portfolio is basically “S&P 500 but make it extra techy” with a garnish of dividends to look responsible. Sixty percent in a total US fund, then another 25% piled into US growth and tech, plus a small sprinkle of international and dividend ETFs so it doesn’t look completely one-note. On paper it looks diversified because there are several tickers; in reality it’s one big US growth bet wearing different brand logos. The structure screams redundancy: broad US, then large-cap growth, then pure tech, then momentum — all chasing the same names. It’s less a thoughtfully built portfolio and more a fan club for whatever is already winning.

Growth Info

Historically this Franken-index actually crushed it: 17.52% CAGR vs 16.61% for the US market and 13.79% for global. CAGR — compound annual growth rate — is just the “average speed” of your money over time, and this thing’s been flooring it. Max drawdown hit about -34%, almost identical to the benchmarks, so you took market-level pain but slightly juiced upside. The $1,000 turning into $4,323 looks amazing, but that’s mostly because the last decade was turbo-charged for US mega-cap tech. Past data is yesterday’s weather: helpful, but this portfolio is basically one long bet that tomorrow’s forecast is “more of the same.”

Projection Info

The Monte Carlo projection takes that rosy history and scrambles it into 1,000 possible futures, from great to awful. Median outcome of $2,702 after 15 years off $1,000 is decent, but nowhere near the 10-year rocket ride you just enjoyed. The range is wide: $932 at the low end to $7,638 at the optimistic edge — so anything from “treaded water” to “lottery-ish win.” That 8.14% annualized simulated return is the math version of a reality check: lower than the backtest, more in line with a grown-up expectation. Translation: the model doesn’t think this tech-heavy US party repeats 2016–2026 on loop.

Asset classes Info

  • Stocks
    100%

Asset-class “diversification” here is simple: 100% stocks, 0% anything else. It’s like opening a restaurant and only serving espresso — no water, no snacks, just caffeine. That’s fine if the goal is pure growth aggression, but it’s not remotely balanced. When stocks are partying, this rides along; when they collectively decide to fall down a staircase, there’s no cushion. Asset classes like bonds, cash, or real assets usually help smooth the ride; this portfolio clearly didn’t get that memo. Risk score 5/7 with a diversification score of 2/5 is basically the system politely saying, “All gas, no brakes, and only one kind of fuel.”

Sectors Info

  • Technology
    41%
  • Financials
    11%
  • Health Care
    9%
  • Industrials
    9%
  • Telecommunications
    9%
  • Consumer Discretionary
    8%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    2%

Sector-wise, this thing is a tech worship shrine: 41% in technology, then everything else sharing the scraps. Financials, health care, and industrials are there, but clearly as background extras. When tech booms, you look like a genius; when tech sneezes, the whole portfolio catches pneumonia. For context, typical broad indexes have heavy tech, sure, but you’ve layered on more with growth, momentum, and a dedicated tech ETF. That’s like putting hot sauce on hot sauce and calling it “balanced flavor.” It’s a very specific economic bet disguised as diversification because the fund names sound different.

Regions Info

  • North America
    95%
  • Europe Developed
    3%
  • Japan
    1%
  • Asia Developed
    1%

Geographically, this is the “USA is the entire planet” portfolio: 95% North America and a token 5% sprinkled across developed markets abroad. That tiny non-US slice is basically a participation trophy, just enough to show up on a pie chart without actually moving the needle. Meanwhile, a big chunk of global economic activity and stock market value lives outside the US, yet barely exists here. This is home bias on full display — very on-brand for a US account, but not exactly globally aware. When the US outperforms, you win; if the rest of the world has its moment, this portfolio mostly shrugs and stays home.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    34%
  • Mid-cap
    18%
  • Small-cap
    5%
  • Micro-cap
    1%

The market cap mix is mostly mega and large caps — 76% combined — with mid and small caps as pocket change. That’s basically “own the giants and call it a day.” Mega-caps dominate the headlines and the indices, so you’re plugged into the usual suspects, while smaller companies barely get a vote. That can mean steadier leadership but less exposure to areas where future growth sometimes hides. You’re riding on a handful of huge, mature businesses instead of spreading the bet across the size spectrum. Nothing catastrophically wrong here, but it’s another sign this isn’t creative — it’s just hugging big, popular companies even harder.

True holdings Info

  • NVIDIA Corporation
    7.09%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Information Technology Index Fund ETF Shares
  • Apple Inc.
    6.11%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard Information Technology Index Fund ETF Shares
  • Microsoft Corporation
    4.20%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard Information Technology Index Fund ETF Shares
  • Broadcom Inc
    2.95%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard Information Technology Index Fund ETF Shares
  • Amazon.com Inc
    2.78%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Alphabet Inc Class A
    2.72%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Alphabet Inc Class C
    2.17%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Micron Technology Inc
    1.62%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Information Technology Index Fund ETF Shares
  • Meta Platforms Inc.
    1.56%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Tesla Inc
    1.48%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Top 10 total 32.68%

The look-through holdings scream overlap. NVIDIA at 7.09%, Apple at 6.11%, Microsoft at 4.20%, plus Amazon, Alphabet (twice), Meta, Tesla — the usual mega-cap tech royalty all repeated across multiple ETFs. This is the same ten stocks showing up to the party in different outfits. The kicker: look-through only covers about 38% of the portfolio, so the real overlap is almost certainly worse. Hidden concentration like this means the portfolio is far less diversified than the ticker list suggests; one bad earnings season from a couple of these names and the “broad” portfolio suddenly looks very narrow and very exposed.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 100%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Neutral
Data availability: 100%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposures are hilariously neutral across the board: value, size, momentum, quality, yield, low vol — all sitting around market average. Factor exposure is like checking the ingredient label to see what flavors actually drive the taste; here it’s basically “just index.” The irony is the portfolio looks spicy — tech, momentum, growth — but under the hood, the factor profile says “shrug, we’re the market.” That means there’s no deliberate lean into cheap stocks, high quality, or defensive traits. Whatever factor payoff you get is accidental, not engineered. For a portfolio that acts bold in other ways, the factor footprint is surprisingly bland.

Risk contribution Info

  • Schwab U.S. Broad Market ETF
    Weight: 60.00%
    59.6%
  • Schwab U.S. Large-Cap Growth ETF
    Weight: 15.00%
    17.0%
  • Vanguard Information Technology Index Fund ETF Shares
    Weight: 5.00%
    6.4%
  • Invesco S&P 500® Momentum ETF
    Weight: 5.00%
    5.1%
  • Vanguard Dividend Appreciation Index Fund ETF Shares
    Weight: 5.00%
    4.1%
  • Top 5 risk contribution 92.2%

Risk contribution lays it out: the broad US ETF, large-cap growth, and tech fund are only 80% of the weight but ~83% of the total risk. Risk contribution basically shows who’s actually shaking the portfolio, not just who looks big on paper. The tech fund at 5% weight providing 6.35% of risk is a small but noticeably spicy chili pepper. It’s not totally unhinged, but the message is clear: a few US growth-heavy positions dominate how this thing behaves day-to-day. The smaller satellites — dividends, international — are mostly cosmetic, like decorative pillows on a couch that’s already bolted to the floor.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    Vanguard Information Technology Index Fund ETF Shares
    Schwab U.S. Broad Market ETF
    High correlation

Correlation-wise, your core positions might as well be copies of each other. The broad US ETF moves almost identically with the large-cap growth fund, and that growth fund is also tightly synced with the tech ETF. Correlation just means “do these things wiggle together?” and here the answer is “yes, aggressively.” In a big rally, that’s fun; in a crash, everything falls in formation. Owning multiple funds that behave the same way doesn’t create diversification; it just multiplies line items. This isn’t a choir of different voices — it’s three people singing the same note at different volumes.

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.

Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it

On the risk/return chart, this portfolio manages the worst of both worlds: below the efficient frontier with a meh Sharpe ratio of 0.72. The efficient frontier is the curve of “best possible deals” between risk and return using only your existing holdings. You’re 2.49 percentage points below that line at your current risk level, which is like paying for premium gas and not even getting the advertised horsepower. Meanwhile, the optimal mix of these same funds has a Sharpe of 1.02 — much better. Translation: even if nothing new is added, just rearranging what’s already here could have squeezed more return or less risk out of the same ingredients.

Dividends Info

  • Schwab U.S. Broad Market ETF 1.00%
  • Schwab U.S. Dividend Equity ETF 3.20%
  • Schwab International Equity ETF 3.10%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Invesco S&P 500® Momentum ETF 0.70%
  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 1.50%
  • Weighted yield (per year) 1.10%

Dividend yield clocks in at around 1.10%, which is basically pocket lint in income terms. The dedicated dividend funds do lift the average a bit — some holdings sitting above 3% — but they’re tiny slices in a portfolio dominated by growth and tech names that barely pay anything. If this were a paycheck substitute, it would be a very awkward one. It’s more like a growth portfolio that sprinkled in dividends for vibes. The yield’s so low that calling this an “income tilt” would be generous; it’s clearly built to chase price appreciation, not send regular cash back.

Ongoing product costs Info

  • Schwab U.S. Broad Market ETF 0.03%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab International Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 0.06%
  • Weighted costs total (per year) 0.04%

Costs are almost suspiciously low: a total TER of 0.04% is “did the fund company forget to charge you?” territory. You’ve accidentally nailed the fee side — broad cheap ETFs, no pricey active managers, nothing absurd. That’s the one part of this setup that looks genuinely professional. But low fees don’t save you from concentrated risk or redundancy; they just make the ride cheaper while you double down on the same underlying bets. Still, credit where it’s due: at least you’re not overpaying for the privilege of owning eight different wrappers around the same handful of US mega-cap darlings.

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