High growth tech and momentum focused portfolio with efficient structure and concentrated risk drivers
Report created on Mar 20, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
IX iShares Global Tech ETF
IXN - US4642872919 30.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 30.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 30.00% -
IB iShares Bitcoin Trust
IBIT - US46438F1012 10.00%
The portfolio is very focused: 90% in equities via three growth and momentum-tilted ETFs, plus 10% in a bitcoin trust. That creates a clear “risk-on” profile, with almost all exposure in growth-oriented assets and no ballast from bonds or cash-like holdings. This structure matters because in rough markets, there’s nothing here designed to cushion falls. On the flip side, in strong risk-on environments, the mix can compound gains quickly. As a general takeaway, this kind of setup suits someone who prioritizes upside potential and is comfortable with big swings rather than someone seeking stability or capital preservation.
Growth
Historically, the portfolio has delivered a strong CAGR of 23.33% since early 2024, beating both the US market and global market, which sit around 17–18%. The trade-off is a max drawdown of -22.58%, deeper than both benchmarks. CAGR (compound annual growth rate) is like your average speed over a long road trip, smoothing out bumps along the way, while max drawdown measures the worst peak-to-trough fall. Only 12 days make up 90% of returns, showing performance has been driven by a handful of powerful up days. That’s typical for growth-heavy portfolios and means missing key days can significantly hurt long-term results.
Projection
The Monte Carlo projection models 1,000 possible 10-year paths using the portfolio’s historical behavior, then summarizes the range of outcomes. Monte Carlo is like running many “what if” market simulations to see how often things end well or poorly, using past volatility and returns as a guide. The median case suggests very strong growth, while even the 5th percentile still shows a positive 10-year cumulative return. But it’s crucial to remember: past patterns may not repeat, and simulations can be overly optimistic when based on a short, strong recent period. Treat these projections as rough weather forecasts, not promises, especially for a concentrated growth-and-crypto mix.
Asset classes
- Stocks 90%
- Crypto 10%
The asset class split is simple: 90% stocks and 10% crypto, with no dedicated allocation to bonds, cash, or alternatives. Compared with more balanced, multi-asset setups, this pushes both return potential and volatility higher. Stocks are long-term growth engines, while crypto behaves like an ultra-volatile satellite exposure instead of a diversifier. For many investors, a common baseline is to include some defensive assets that tend to hold up better in downturns, moderating portfolio swings. Here, the absence of those stabilizers means the ride can be bumpy, so this type of mix generally aligns better with long horizons and strong tolerance for drawdowns rather than short-term spending needs.
Sectors
- Technology 53%
- Crypto 10%
- Telecommunications 9%
- Financials 8%
- Industrials 6%
- Consumer Discretionary 5%
- Health Care 3%
- Consumer Staples 3%
- Utilities 1%
- Energy 1%
- Real Estate 1%
- Basic Materials 1%
Sector-wise, the portfolio is dominated by technology at 53%, with meaningful allocations to communication services, financials, industrials, and consumer sectors, plus a modest slice in healthcare and defensives. Crypto is another 10% but sits outside traditional equity sectors. Compared with broad, market-like portfolios that spread more evenly, this is a very tech- and innovation-heavy profile. That’s great when tech is leading and interest rates are stable or falling, since growth names often benefit most. However, tech-heavy setups can be more sensitive when rates rise or when markets rotate toward more cyclical or defensive areas. Regularly checking whether this tilt still matches your conviction can help manage regret risk in rotations.
Regions
- North America 83%
- Asia Developed 4%
- Europe Developed 2%
- Japan 1%
Geographically, about 83% of the equity exposure is in North America, with small allocations to developed Asia, Europe, and Japan. This US-centric stance aligns closely with many growth and tech indexes, where American giants dominate. The upside is you’re plugged into some of the world’s most innovative and profitable companies, which has been a tailwind in recent years. The trade-off is reduced diversification if the US or North American tech specifically underperforms other regions for a stretch. Broad global benchmarks typically have more non-US exposure, so adding more geographic balance is one way some investors smooth country-specific risks over decades.
Market capitalization
- Mega-cap 52%
- Large-cap 28%
- Mid-cap 9%
- Small-cap 1%
Market cap exposure skews heavily to the largest companies: 52% in mega caps and 28% in big caps, with a modest 9% in mid caps and just 1% in small caps. Large and mega caps tend to be more liquid, more widely followed, and often more stable than tiny firms, which can help with execution and reduce idiosyncratic blow-up risk. However, it also means missing much of the traditional “small-size premium,” where smaller companies historically have delivered higher but bumpier returns. This large-cap focus is very much in line with mainstream growth and momentum ETFs, and it supports the relatively strong quality and low-volatility factor profile you’re seeing.
True holdings
-
NV NVIDIA Corporation 11.64%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Schwab U.S. Large-Cap Growth ETF
- iShares Global Tech ETF
-
BT Grayscale Bitcoin Mini Trust (BTC) 10.00%
Part of fund(s):- iShares Bitcoin Trust
-
AA Apple Inc 7.47%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- iShares Global Tech ETF
-
AV Broadcom Inc 5.08%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Schwab U.S. Large-Cap Growth ETF
- iShares Global Tech ETF
-
MS Microsoft Corporation 4.92%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- iShares Global Tech ETF
-
ME Meta Platforms Inc. 3.62%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Schwab U.S. Large-Cap Growth ETF
-
PL Palantir Technologies Inc. 2.13%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Schwab U.S. Large-Cap Growth ETF
- iShares Global Tech ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.66%
Part of fund(s):- iShares Global Tech ETF
-
NF Netflix Inc 1.62%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Schwab U.S. Large-Cap Growth ETF
-
AM Amazon.com Inc 1.58%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Top 10 total 49.71%
Looking through the ETFs, there’s notable concentration in a handful of big growth names: NVIDIA at 11.64%, Apple at 7.47%, Microsoft at 4.92%, and several other well-known tech and growth stocks in the low single digits. Because these names appear across multiple ETFs, the true exposure is higher than any single fund suggests. Overlap matters because if one of these giants stumbles, the impact is felt through several holdings at once. While this has helped returns in a tech-led rally, it also creates hidden concentration risk. A common approach is to periodically check whether such overlaps still match your comfort with single-name and theme risk.
Factors
The portfolio shows strong tilts toward momentum and low volatility, with smaller exposures to value and size. Factor exposure describes how much a portfolio leans into characteristics like momentum (recent winners), quality, or value, which research has linked to returns over decades. Here, the momentum tilt fits the growth and tech orientation: it tends to shine in trending bull markets but can get hit hard when trends abruptly reverse. The low volatility tilt is interesting—it suggests a preference for relatively steadier names within the growth universe, which can soften some shocks. Value and size are underemphasized, so the behavior will diverge from strategies that lean into cheaper or smaller stocks when those styles lead.
Risk contribution
-
iShares Global Tech ETF
Weight: 30.00% 32.4% -
Schwab U.S. Large-Cap Growth ETF
Weight: 30.00% 27.1% -
Invesco S&P 500® Momentum ETF
Weight: 30.00% 26.6% -
iShares Bitcoin Trust
Weight: 10.00% 13.8%
Risk contribution shows how much each holding adds to the portfolio’s overall ups and downs, which can differ from its weight. The three equity ETFs together make up 90% of the weight but about 86% of the risk, fairly aligned. The bitcoin trust, however, is 10% of capital but contributes nearly 14% of total risk, giving it a risk-to-weight ratio of 1.38. That means it “punches above its weight” in driving volatility. For some investors, this is acceptable as a targeted high-risk satellite. In general, if one position’s risk contribution feels too high for its role, tweaking size can help bring the portfolio’s behavior closer to what you intend.
Redundant positions
-
High correlationSchwab U.S. Large-Cap Growth ETFiShares Global Tech ETFInvesco S&P 500® Momentum ETF
All three equity ETFs are highly correlated, meaning they tend to move up and down together. Correlation measures how similarly assets behave; if two holdings are highly correlated, they’re like two friends who always show up to the same parties. This limits diversification benefits, especially in downturns, because several positions can fall at the same time. The bitcoin slice can sometimes move differently, but it’s also highly volatile and has shown periods of strong correlation to risk assets. The main implication is that despite owning multiple funds, the portfolio behaves more like a single, concentrated growth-and-momentum bet rather than a broad mix of unrelated return drivers.
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.
On the risk–return chart, the current portfolio sits on the efficient frontier, meaning the mix of holdings is structured efficiently given what’s in the toolkit. The efficient frontier is the set of portfolios that offer the best expected return for each risk level. However, the current point isn’t the “optimal” one with the highest Sharpe ratio (return per unit of risk). The model suggests that by reweighting the same holdings, you could potentially get a better risk-adjusted profile, or even higher returns at similar risk. Still, being on the frontier already is a strong sign the allocation is thoughtfully put together rather than randomly assembled.
Dividends
- iShares Global Tech ETF 1.00%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Invesco S&P 500® Momentum ETF 0.80%
- Weighted yield (per year) 0.66%
The overall dividend yield is low, around 0.66%, reflecting the growth and tech focus. Dividends are the cash payments companies make back to investors; they can be a meaningful part of long-term returns in more income-oriented portfolios. Here, most of the expected payoff is from price appreciation rather than ongoing income. That’s perfectly aligned with a growth mindset but less suitable for someone wanting to fund near-term living expenses from the portfolio. If income ever becomes a higher priority, shifting a portion toward higher-yielding areas or more dividend-focused strategies could be one way to better match cash flow needs without changing everything else.
Ongoing product costs
- iShares Bitcoin Trust 0.12%
- iShares Global Tech ETF 0.41%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Invesco S&P 500® Momentum ETF 0.13%
- Weighted costs total (per year) 0.19%
The blended cost (TER) of roughly 0.19% per year is impressively low for such a focused, factor-driven setup. TER, or total expense ratio, is what you pay annually to the fund managers, similar to a small management fee extracted from returns. Keeping fees low is one of the few levers investors can control, and over decades even small differences compound. Here, costs line up well with best practices and are comfortably below many active funds and thematic products. That supports better long-term performance by allowing more of the portfolio’s return—especially if strong—to stay in your pocket instead of going to fund providers.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey