Confident stock junkie portfolio pretending to be balanced while small value and tech run the show
Report created on Apr 22, 2026Risk 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.
Positions
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SC Schwab U.S. Broad Market ETF
SCHB - US8085241029 43.90% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 20.78% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.01% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 10.25% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 5.06%
This portfolio calls itself “balanced” and then shows up as 100% stocks with zero chill. The core is a big plain-vanilla U.S. broad market slab, then it piles on small-cap value and a NASDAQ cherry on top just in case things weren’t spicy enough. International gets a seat at the table but clearly not the head of it. Structurally it’s a barbell: boring core plus aggressive tilts pretending that combo magically cancels risk. It doesn’t. Overall, this is less “balanced mix” and more “equity nerd with a factor habit,” which means when stocks party, it’s great, and when stocks sulk, everything sulks together.
Growth
The historical performance is undeniably shiny: $1,000 turning into $2,227 beats both the U.S. market and global market over this window. CAGR of 15.71% versus 15.08% for the U.S. and 13.13% for global is solid, but let’s not confuse a good stretch of weather with climate. Max drawdown of about -25% still hit just as hard as the market and took over a year to bottom and more than a year to recover. That’s not “balanced,” that’s “rides the roller coaster slightly better than average.” And 90% of returns coming from 27 days screams “miss a few good days, welcome to pain.”
Projection
The Monte Carlo projection basically says: this portfolio is a roller coaster that usually stays on the tracks, but you will feel every turn. Monte Carlo is just a fancy way of running thousands of “what if” simulations using past volatility and returns — like rolling financial dice 1,000 times. Median outcome of $2,775 on $1,000 over 15 years is decent, but that bottom band around $1,008 is a polite way of saying “you might just tread water for 15 years.” Past data is yesterday’s weather, so none of this is prophetic; it’s more like a storm forecast with a known love for drama.
Asset classes
- Stocks 100%
Asset classes section is extremely easy: it’s all stocks, 100%, no chaser. For something labeled “balanced,” that’s a bit like calling a double espresso a calming drink. No bonds, no alternatives, nothing that typically cushions equity tantrums. This decision shoves the portfolio firmly into “equities or bust” territory, which is fine as long as nobody pretends it’s inherently smoother or more conservative. When stocks tank, there’s nowhere to hide here — it’s all one asset class just wearing different costumes. Diversification within stocks helps, but it doesn’t magically turn an all-equity engine into a hybrid.
Sectors
- Technology 22%
- Financials 17%
- Industrials 13%
- Consumer Discretionary 12%
- Energy 7%
- Health Care 7%
- Telecommunications 7%
- Basic Materials 6%
- Consumer Staples 5%
- Utilities 2%
- Real Estate 2%
Sector allocation looks like it took a market-cap index, then whispered “what if we added sauce” and jammed extra exposure through factor and NASDAQ tilts. Tech sitting at 22% is not insane by modern standards, but combined with small-cap value and growth-heavy large caps in the mix, it’s a subtle concentration on businesses with either high cyclicality or high expectations. Utilities and real estate barely exist at 2% each, which is like having “defensive sectors” on the brochure but not actually inviting them to the meeting. This sector setup is built for offense; defense is a rumor.
Regions
- North America 72%
- Europe Developed 12%
- Japan 6%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, this is very much a “home is where the stocks are” portfolio: 72% in North America is a patriotic hug to the U.S. market. The rest of the world gets a participation trophy — Europe, Japan, and a scattering of other regions are basically there to make the pie chart look global. For a supposedly balanced setup, the bet is still clear: if North America sneezes, this portfolio catches the flu. The international slice helps a bit, but it’s more like seasoning than a second main dish, so global diversification is present in theory, not dominant in practice.
Market capitalization
- Mega-cap 29%
- Large-cap 22%
- Small-cap 18%
- Mid-cap 18%
- Micro-cap 11%
The market cap mix is where the portfolio quietly cranks up the risk dial. Mega and large caps together are just over half, but small, mid, and micro make up the other half — that’s a lot of oomph in the risky, less stable end of town. Micro-caps at 11% is not trivial; that’s the “hold on and hope this thing survives a recession” part of the portfolio. The small-cap value tilt means it’s deliberately stepping away from the cozy stability of giants into the more chaotic world of companies that can move 5–10% in a day without even trying.
True holdings
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NV NVIDIA Corporation 3.56%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
-
AA Apple Inc 2.86%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
-
MS Microsoft Corporation 2.30%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
-
AM Amazon.com Inc 1.82%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
-
GO Alphabet Inc Class A 1.44%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
-
AV Broadcom Inc 1.40%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
-
GO Alphabet Inc Class C 1.17%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
-
ME Meta Platforms Inc. 1.14%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
-
TS Tesla Inc 0.89%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Broad Market ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.69%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 17.28%
The look-through list is basically a roll call of the usual megacap suspects, which is what happens when you stack broad U.S. exposure with a NASDAQ 100 slice. NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla — the whole gang is here, showing up via multiple ETFs even with only top-10 data. That means actual overlap is likely higher than shown, so hidden concentration is baked in. You can call it diversification, but when the same half-dozen mega names quietly anchor a big chunk of returns, it’s really just a fancier way of making the same big-tech bet everyone else is making.
Factors
The factor profile is loudly small-value tilted: high exposure to value and size says this portfolio is deliberately hanging out with cheaper, smaller, scruffier companies. Factor exposure is like the ingredient label on the return smoothie — and here it’s telling you “less glamour, more grit.” Neutral momentum and quality means it’s not chasing recent winners or obsessing over pristine fundamentals. This combo tends to shine when unfashionable, beaten-up areas rebound, and it can look very dumb for long stretches when flashy growth dominates. It’s not confused, though — the factor story is consistent: embrace the ugly stuff and hope mean reversion still exists.
Risk contribution
-
Schwab U.S. Broad Market ETF
Weight: 43.90% 42.8% -
Avantis® U.S. Small Cap Value ETF
Weight: 20.78% 25.5% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.01% 16.9% -
Avantis® International Small Cap Value ETF
Weight: 10.25% 9.1% -
Invesco NASDAQ 100 ETF
Weight: 5.06% 5.7%
Risk contribution spills the truth: the Schwab broad market ETF doesn’t just dominate weight; it owns 43% of risk, basically driving the bus. The U.S. small-cap value ETF is only about 21% by weight but punches above its weight at 26% of total risk, with a risk/weight ratio doing laps around the core holding. The top three holdings together account for over 85% of all portfolio risk, so the remaining funds are more like background extras. This isn’t a five-voice choir; it’s three soloists and two people humming quietly in the back while pretending to contribute.
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 efficient frontier, this portfolio is basically leaving performance on the table with current weights. The efficient frontier is the curve showing the best possible return for each risk level using the same ingredients, just in smarter proportions. The current setup sits about 2.55 percentage points below that line at its risk level, with a Sharpe ratio of 0.72 versus 1.05 for the optimal mix. Sharpe is just “return per unit of drama,” and this version is getting less juice for the same stress. In other words, it’s not the holdings that are the issue; it’s how they’re being arranged.
Dividends
- Avantis® International Small Cap Value ETF 2.90%
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco NASDAQ 100 ETF 0.50%
- Schwab U.S. Broad Market ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.64%
Dividend yield at 1.64% is a gentle reminder that this portfolio is here to grow, not to send postcards of cash. The higher yields in the international small-cap value piece try to look responsible, but NASDAQ at 0.5% is basically saying “I reinvest everything, don’t call me.” Dividends themselves aren’t a magic safety feature; they’re just one way returns show up. Here, they’re a nice side effect rather than a central theme. Anyone expecting this setup to function like a reliable income fountain is actually holding a total return machine that occasionally drips instead of steadily pouring.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- Schwab U.S. Broad Market ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.12%
Costs are suspiciously reasonable at a total TER of 0.12%. The core funds are dirt cheap, and even the pricier Avantis stuff is within the realm of “OK, you can stay.” This is not one of those portfolios paying champagne fees for tap-water exposure. It’s more like stumbling into an efficient lineup by actually reading the labels once or twice. That said, low cost doesn’t rescue bad structure; it just means you’re making any mistakes more cheaply. Still, for an all-equity, factor-tilted mix, at least the fee meter isn’t quietly bleeding you while the market plays games.
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