Confused growth chaser taped together from three US piles and one lonely international bandaid
Report created on Apr 2, 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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QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 35.00% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 35.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 15.00%
Structurally this thing is a three-legged US stool with a small international sticker slapped on. You’ve got Total US, NASDAQ 100, and US small-cap value all wrestling for overlap, then 15% tossed to “the rest of the planet” so it doesn’t feel left out. It looks diversified at a glance, but under the hood it’s basically the US stock market plus an extra shot of tech and small caps. That’s like ordering a sampler platter and then adding two more portions of the same wings. The big-picture takeaway: composition is more “double-down on what I already own” than “thoughtful mix of different engines.”
Growth
Performance since 2020 actually looks pretty good: $1,000 turning into $1,984 and a 13.43% CAGR is nothing to whine about. You beat the US market by a hair and the global market by a couple of percentage points. But max drawdown at -26.89% shows this isn’t exactly a gentle ride; it drops as hard as broad markets when things go south. And those 21 days making up 90% of returns scream “don’t try to time this.” Past data is yesterday’s weather: useful, but it doesn’t owe you a sequel. Enjoy the win, don’t assume it’s a birthright.
Projection
The Monte Carlo projection basically says: “You’ll probably be fine, but don’t get cocky.” A Monte Carlo sim just runs thousands of what-if market paths to see where your $1,000 could land. Median outcome around $2,750 in 15 years with a 73% chance of a positive return is decent, not legendary. The possible range from about $917 to $8,010 is a reminder that future markets don’t care about your spreadsheet. Also, the average annual return across simulations (8.2%) is noticeably lower than your recent 13.4% history. Translation: the model assumes the party cools down a bit.
Asset classes
- Stocks 100%
Asset classes: you’ve answered “stocks?” with “yes, only stocks, thank you.” It’s 100% equities, zero ballast. No bonds, no cash buffer, no diversifiers – just raw market vibes. That’s fine if the goal is long-term growth and you can emotionally handle watching your net worth tumble 30%+ without panic-selling. But in portfolio design, having only one asset class is like building a house entirely out of glass because it looks cool on sunny days. The key implication: this is an all-in growth setup; it lives and dies by equity markets with no airbags anywhere.
Sectors
- Technology 32%
- Consumer Discretionary 12%
- Financials 12%
- Telecommunications 10%
- Industrials 9%
- Health Care 7%
- Consumer Staples 6%
- Energy 5%
- Basic Materials 3%
- Utilities 2%
- Real Estate 1%
Sector-wise, tech is clearly the favorite child at 32%, followed by a modest spread across consumer, financials, and the rest. That 32% tech is above broad-market flavor but not completely unhinged—more “tech enthusiast” than “full-blown addict.” The NASDAQ 100 chunk is doing a lot of that tilting. When tech is hot, this sings; when it isn’t, the portfolio’s mood swings will be obvious. Sectors like utilities and real estate are basically cameo roles at 1–2%, so they won’t save you in a crash. If this were a band, tech is the lead singer and everyone else is backup vocals.
Regions
- North America 85%
- Europe Developed 6%
- Japan 2%
- Asia Emerging 2%
- Asia Developed 2%
- Latin America 1%
- Australasia 1%
- Africa/Middle East 1%
Geography: 85% North America is basically “USA or bust, but we’ll sprinkle 15% abroad so it looks sophisticated.” The rest of the world shares a tiny slice: low single digits in Europe, Japan, emerging markets, and so on. That’s hilarious given that a big chunk of global market value lives outside US borders. It’s like saying you’re a foodie but only eating one country’s cuisine. The result is heavy dependence on US policy, US currency, and US market cycles. Global diversification is technically present, but it’s more of a decorative garnish than a serious allocation.
Market capitalization
- Mega-cap 39%
- Large-cap 28%
- Mid-cap 14%
- Small-cap 11%
- Micro-cap 8%
Market cap mix is actually one of the more interesting bits: 39% mega, 28% large, then a real tail into mid (14%), small (11%), and micro (8%). So it’s not just “worship at the altar of megacaps”; there’s some genuine exposure to the scrappy little gremlins of the market. That small and micro slice, driven by your small-cap value fund and the total market ETF, will add volatility and occasional drama but can juice returns over long horizons. The roast: you’ve built a nice size spread accidentally while still letting the megacaps dominate the attention and narrative.
True holdings
-
NV NVIDIA Corporation 5.13%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 4.74%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.52%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.66%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.14%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.92%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.91%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.85%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.83%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
WM Walmart Inc. Common Stock 1.23%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 26.93%
The look-through holdings are basically the Magnificent Few Fan Club. NVIDIA, Apple, Microsoft, Amazon, Alphabet (twice for good measure), Meta, Tesla, Broadcom… you’re renting the same celebrities through multiple funds. That 5%+ in NVIDIA and ~4.7% in Apple are coming from overlapping ETFs, not some grand conviction call, which means risk is sneaking in through the side door. And remember, this is only top-10 data, so the overlap is almost certainly worse than it looks. Takeaway: if the plan was “diversify,” having the same megacaps show up everywhere is more cosplay than actual diversification.
Factors
Factor profile is shockingly… normal. Everything is basically neutral: value, size, momentum, quality, yield, low volatility all hovering around market-like levels. Factor exposure is like the ingredient label telling you what really drives returns; here it just says “pretty standard mix.” So despite owning “small-cap value” and a tech-heavy ETF, the overall stew ends up blandly average factor-wise. That’s either an accident or a quiet stroke of competence. It does mean the portfolio should behave broadly like the market: no huge value tilt to save you when growth stumbles, and no special low-vol cushion when things get spicy.
Risk contribution
-
Invesco NASDAQ 100 ETF
Weight: 35.00% 40.5% -
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 35.00% 32.9% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 15.6% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 15.00% 11.1%
Risk contribution exposes who’s actually steering the rollercoaster, and the NASDAQ 100 slice is clearly in the driver’s seat. At 35% weight but over 40% of total risk, it’s punching above its weight. Total US is more chill, contributing slightly less risk than its size, and international is the kid in the back seat at 11% risk contribution despite 15% weight. Top three holdings causing nearly 89% of portfolio risk tells you this is really a three-position show in disguise. If risk ever feels too wild, trimming the NASDAQ chunk would move the needle far more than fiddling at the edges.
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, your current portfolio is literally leaving money on the table. The efficient frontier says that at your current risk level you could be earning about 1.08 percentage points more per year just by reweighting the same holdings. Your Sharpe ratio of 0.57 versus 0.83 for the optimal mix is like running the same race in shoes that are half a size too small. Even the minimum variance version beats your risk-adjusted return. Translation: this isn’t a “bad ingredients” problem; it’s a “you arranged the ingredients slightly suboptimally” problem.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.40%
- Invesco NASDAQ 100 ETF 0.50%
- Vanguard Total Stock Market Index Fund ETF Shares 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 2.90%
- Weighted yield (per year) 1.24%
A 1.24% total yield is firmly in the “you’re here for growth, not for mailman money” category. The international fund does most of the dividend heavy lifting at 2.9%, while the NASDAQ slice brings its usual “we don’t do dividends here” energy at 0.5%. If someone hoped for juicy income, this setup is more like loose change under the couch cushions. Nothing wrong with that if reinvestment and compounding are the goal, but no one should pretend this is an income strategy. It’s a capital appreciation play with a tiny side dish of cash flow.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.11%
Costs are actually suspiciously reasonable. A total TER of 0.11% for a four-ETF setup with decent coverage is… competent. The small-cap value fund is the priciest at 0.25%, but for an active-ish smart-beta tilt, that’s not egregious. The broad Vanguard funds are basically charging couch-cushion dust. Fees are the one area where there’s not much to roast: you’re not lighting money on fire to feel fancy. The only mild jab: if you’re going to stack overlapping US exposure, at least you did it with cheap tools instead of boutique, high-fee toys.
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