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Growth focused portfolio with strong momentum tilt and concentrated technology and US equity exposure

Report created on May 19, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is almost entirely growth-oriented, with 97% in equities and a small 3% position in bitcoin. Within equities, there is a broad mix of US large caps, US and international small-cap value, emerging markets, and several focused thematic ETFs in semiconductors, clean infrastructure, and quantum-related companies. This structure leans toward higher-return, higher-volatility assets rather than defensive ones. A notable feature is the blend of broad index-style funds alongside narrower, more specialized strategies. This kind of mix can create a core-and-satellite feel, where the broad funds anchor overall behavior and the thematic pieces add extra punch and distinct performance drivers.

Growth Info

Over the period shown, a hypothetical $1,000 grew to about $1,873, implying a compound annual growth rate (CAGR) of 30.8%. CAGR is like average speed on a long trip, smoothing out the bumps along the way. This return beat both the US market and global market by a little over 8 percentage points per year, which is a sizeable margin. The portfolio’s worst peak-to-trough drop was about -19.3%, similar to the US benchmark’s drawdown. Only 22 days made up 90% of total gains, underlining how a handful of strong days can shape long-term results. As always, past performance doesn’t guarantee similar results going forward.

Projection Info

The Monte Carlo projection uses many random “what if” paths based on historical behavior to estimate possible future outcomes. Here, 1,000 simulations of 15 years show a median outcome of about $2,828 from $1,000, which corresponds to an estimated annualized return around 8.3%. The central 50% of simulations end between roughly $1,829 and $4,332, while the 5th–95th percentile range runs from about $1,049 to $8,173. This wide spread illustrates uncertainty: results could be close to flat in a weaker sequence or very strong in favorable markets. These simulations are useful for intuition, but they still rely on history, which may not repeat.

Asset classes Info

  • Stocks
    97%
  • Crypto
    3%

With 97% in stocks and just 3% in crypto, this portfolio is clearly tilted toward growth assets rather than bonds or cash-like holdings. Stocks tend to drive long-term returns but also bring more ups and downs, while cryptocurrencies historically add even more volatility. Many broad benchmarks mix in bonds or cash-type assets, so this allocation is more aggressive than a typical balanced index. From a diversification standpoint, the lack of defensive asset classes means the portfolio’s value will likely move closely with global equity markets, especially during major risk-on or risk-off periods, rather than being cushioned by more stable income assets.

Sectors Info

  • Technology
    34%
  • Industrials
    14%
  • Financials
    12%
  • Consumer Discretionary
    9%
  • Energy
    6%
  • Telecommunications
    6%
  • Basic Materials
    5%
  • Health Care
    5%
  • Consumer Staples
    3%
  • Crypto
    3%
  • Utilities
    2%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, technology stands out at about 34% of the portfolio, noticeably higher than in broad global indices. Industrials and financials together add a meaningful chunk, with smaller allocations across consumer areas, energy, telecom, materials, healthcare, and utilities. The dedicated semiconductor and clean infrastructure ETFs push the technology and industrial-type exposure up relative to a typical market-weighted mix. Tech-heavy portfolios often benefit more when innovation-driven growth is rewarded but can be more sensitive when interest rates rise or when investors rotate toward more defensive or traditional value areas. The presence of multiple sectors is helpful, but technology remains the clear driver.

Regions Info

  • North America
    68%
  • Europe Developed
    9%
  • Asia Developed
    7%
  • Japan
    5%
  • Asia Emerging
    4%
  • Africa/Middle East
    2%
  • Australasia
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, the portfolio is anchored in North America at 68%, which is somewhat above its share of the global equity market. The rest is spread across developed Europe, developed Asia, Japan, and a smaller slice in emerging regions like Asia, Africa/Middle East, and Latin America. This mix aligns reasonably well with global standards while keeping a notable US tilt. Such a structure means portfolio behavior will be heavily influenced by US economic conditions, corporate earnings, and the US dollar, with secondary contributions from other regions. The exposure to emerging markets adds another return driver that can behave differently from developed markets over time.

Market capitalization Info

  • Mega-cap
    30%
  • Large-cap
    26%
  • Mid-cap
    20%
  • Small-cap
    14%
  • Micro-cap
    7%

This breakdown covers the equity portion of your portfolio only.

The market-cap breakdown shows a healthy spread: 30% mega-cap, 26% large-cap, 20% mid-cap, 14% small-cap, and 7% micro-cap. Compared with a classic broad index that is dominated by mega and large companies, this portfolio puts more emphasis on the smaller end of the spectrum. Smaller companies historically have offered higher growth potential but also more volatility and sensitivity to economic cycles. Having meaningful allocations across all size buckets improves diversification within equities, so portfolio performance is not driven solely by a handful of the largest global companies, even though they are still important contributors.

True holdings Info

  • NVIDIA Corporation
    4.39%
    Part of fund(s):
    • Dimensional U.S. Core Equity 2 ETF
    • VanEck Semiconductor ETF
    • Vanguard S&P 500 ETF
    • iShares MSCI USA Momentum Factor ETF
  • Broadcom Inc
    1.98%
    Part of fund(s):
    • VanEck Semiconductor ETF
    • Vanguard S&P 500 ETF
    • iShares MSCI USA Momentum Factor ETF
  • Apple Inc
    1.97%
    Part of fund(s):
    • Dimensional U.S. Core Equity 2 ETF
    • Vanguard S&P 500 ETF
  • Taiwan Semiconductor Manufacturing
    1.59%
    Part of fund(s):
    • Avantis® Emerging Markets Equity ETF
    • VanEck Semiconductor ETF
  • Microsoft Corporation
    1.52%
    Part of fund(s):
    • Dimensional U.S. Core Equity 2 ETF
    • Vanguard S&P 500 ETF
  • Micron Technology Inc
    1.33%
    Part of fund(s):
    • Defiance Quantum ETF
    • VanEck Semiconductor ETF
    • iShares MSCI USA Momentum Factor ETF
  • Alphabet Inc Class A
    1.32%
    Part of fund(s):
    • Dimensional U.S. Core Equity 2 ETF
    • Vanguard S&P 500 ETF
    • iShares MSCI USA Momentum Factor ETF
  • Intel Corporation
    1.32%
    Part of fund(s):
    • Defiance Quantum ETF
    • VanEck Semiconductor ETF
    • iShares MSCI USA Momentum Factor ETF
  • Amazon.com Inc
    1.24%
    Part of fund(s):
    • Dimensional U.S. Core Equity 2 ETF
    • Vanguard S&P 500 ETF
  • Advanced Micro Devices Inc
    1.04%
    Part of fund(s):
    • VanEck Semiconductor ETF
    • iShares MSCI USA Momentum Factor ETF
  • Top 10 total 17.69%

This breakdown covers the equity portion of your portfolio only.

The look-through data (top 10 ETF holdings only) covers about 31% of the portfolio and shows heavy representation from major technology and semiconductor names such as NVIDIA, Broadcom, Apple, TSMC, Microsoft, Micron, Intel, AMD, Alphabet, and Amazon. Several of these appear in more than one ETF, creating overlap that increases effective concentration in a small group of giants. Because only top-10 positions are used, this overlap is likely understated. Hidden concentration matters because if these shared holdings experience a sharp move, multiple funds may react in the same direction at the same time, amplifying their influence on overall portfolio performance.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 90%
Size
Exposure to smaller companies
Neutral
Data availability: 98%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 73%
Quality
Preference for financially healthy companies
Neutral
Data availability: 73%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 98%

Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.

Factor exposure is broadly balanced around “neutral” for value, size, quality, yield, and low volatility, meaning it behaves roughly like the broad market on those characteristics. The notable tilt is momentum at 61%, a mild lean toward stocks that have recently performed well. Factor exposure is like looking at the recipe behind returns: momentum-heavy portfolios often do well in strong, trending markets but can be more vulnerable when leadership changes abruptly. Since other factors are roughly market-like, the overall behavior will still resemble broad equities, but with an extra push toward recent winners, especially through the dedicated momentum ETF and growth-oriented tech holdings.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 25.00%
    20.7%
  • VanEck Semiconductor ETF
    Weight: 10.00%
    18.0%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 12.50%
    11.9%
  • Avantis® International Small Cap Value ETF
    Weight: 15.00%
    11.0%
  • iShares MSCI USA Momentum Factor ETF
    Weight: 8.50%
    9.4%
  • Top 5 risk contribution 70.9%

Risk contribution measures how much each holding adds to total portfolio volatility, which can differ from simple weight. Here, the top three holdings by weight contribute just over half of the overall risk. The S&P 500 ETF is 25% of the portfolio but only about 21% of risk, suggesting it is relatively stabilizing. In contrast, the semiconductor ETF is 10% of weight but nearly 18% of risk, reflecting its higher volatility. The US small-cap value fund contributes risk roughly in line with its size. This pattern shows that certain specialized or concentrated funds can punch above their weight in driving ups and downs.

Redundant positions Info

  • Dimensional U.S. Core Equity 2 ETF
    Vanguard S&P 500 ETF
    High correlation

The correlation data highlights that the Dimensional U.S. Core Equity 2 ETF moves almost identically to the Vanguard S&P 500 ETF. Correlation describes how two investments tend to move relative to each other, ranging from -1 (opposite) to +1 (in lockstep). When two holdings are highly correlated and both focus on similar markets, they don’t add much diversification between each other, even if their labels differ. In this case, both funds act as US core equity exposure. That’s not inherently negative; it simply means that, in terms of risk and return, they function more like one combined block than two independent shock absorbers.

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.

The efficient frontier chart compares the current mix with alternative weightings using only the same holdings. The current portfolio has a Sharpe ratio of 1.35, a measure of risk-adjusted return (higher is better), while the maximum Sharpe portfolio reaches 1.84 and the minimum-variance mix sits at 1.60. Being about 5.7 percentage points below the frontier at the same risk level suggests that, historically, different weights across these ETFs could have delivered either more return for similar risk or similar return for less risk. The encouraging part is that the building blocks themselves appear strong; the question is simply how they are combined.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.80%
  • Avantis® Emerging Markets Equity ETF 2.10%
  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Dimensional U.S. Core Equity 2 ETF 0.90%
  • First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund 0.80%
  • iShares MSCI USA Momentum Factor ETF 0.70%
  • VanEck Semiconductor ETF 0.20%
  • Vanguard S&P 500 ETF 1.00%
  • Defiance Quantum ETF 0.80%
  • Weighted yield (per year) 1.26%

The weighted dividend yield of about 1.26% is modest and sits below what’s typical for income-focused equity portfolios. Several holdings, especially small-cap value and emerging markets funds, offer higher yields in the 2–3% range, while tech- and theme-heavy ETFs, like semiconductors, pay very little. Dividends are just one part of total return, alongside price changes, but they can provide a steadier income stream. In this portfolio, most of the expected payoff comes from capital growth rather than cash distributions, which is consistent with its growth-oriented and technology-tilted character.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® Emerging Markets Equity ETF 0.33%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Dimensional U.S. Core Equity 2 ETF 0.17%
  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund 0.57%
  • iShares MSCI USA Momentum Factor ETF 0.15%
  • VanEck Semiconductor ETF 0.35%
  • Vanguard S&P 500 ETF 0.03%
  • Defiance Quantum ETF 0.40%
  • Weighted costs total (per year) 0.24%

The portfolio’s total expense ratio (TER) of about 0.24% per year is relatively low given the mix of broad and specialized ETFs. TER is the annual fee charged by funds, and while it seems small, it compounds over time like any other drag on returns. The cheapest building block is the S&P 500 ETF at 0.03%, while the more thematic or niche funds run between roughly 0.35% and 0.57%. Overall, these costs are competitively positioned and do not appear excessive for the strategies in use. Lower structural costs like this support better long-term performance compared with higher-fee alternatives.

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