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A growth obsessed portfolio wearing three S&P 500 costumes and calling it diversification

Report created on Jan 3, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This setup screams “I love the S&P 500 so much I bought it four times.” Roughly half is plain S&P 500, then you stack momentum, quality, and large-cap growth on top of the same underlying names. Add mid and small caps plus some international and it looks diversified on paper, but in practice it’s one big bet on US large growth with accessories. This kind of overlap is like owning four different Teslas and calling it a mixed garage. Streamlining the core to fewer broad funds and using factor funds (momentum, quality, growth) as small satellites would clean this up and make it easier to understand what’s actually driving returns.

Growth Info

Historically, this thing has been on steroids: a 16.6% CAGR is “everything went right” territory. If someone had tossed in $10,000 years ago, they’d be feeling very smug right now compared with a plain vanilla global stock index. But the -34% max drawdown is a reminder this isn’t magic, it’s just riding a strong bull market with a growth tilt. CAGR (Compound Annual Growth Rate) is like your average speed on a road trip; it hides the potholes. Past data is yesterday’s weather, not tomorrow’s forecast, so treating those returns as normal going forward would be dangerously optimistic.

Projection Info

The Monte Carlo output basically says, “This could go amazingly… or merely okay… but probably not terrible.” Monte Carlo just runs tons of what-if scenarios using random returns based on history, like rolling dice 1,000 times to see how often you go broke. A median outcome of ~727% and an average simulated return of 18% screams “assumes the future looks suspiciously like the last decade.” That’s a big assumption. The 5th percentile at 121% shows that in bad-but-not-apocalyptic worlds you still grow, but slower. Treat these simulations as rough weather models, not a promise; focus on whether you could live with a long ugly stretch even if the final number looks huge.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Asset classes here are basically: stocks, more stocks, and a pity 1% in cash. That’s it. No bonds, no real assets, no alternative anything. For a growth profile that’s gutsy but not insane, just very single-minded. It’s like building a diet out of only protein shakes: works great… until your stomach (or the market) revolts. With 99% equities, volatility is going to be a lifestyle, not an event. Adding even a modest dose of shock absorbers (think lower-risk assets, not another fancy equity ETF) could drastically reduce the emotional rollercoaster while barely touching long-term return potential. Right now this is an “all gas no brakes” construction.

Sectors Info

  • Technology
    28%
  • Financials
    16%
  • Industrials
    12%
  • Consumer Discretionary
    10%
  • Health Care
    9%
  • Telecommunications
    9%
  • Consumer Staples
    5%
  • Energy
    3%
  • Basic Materials
    3%
  • Real Estate
    3%
  • Utilities
    3%

Sector-wise, this is textbook modern investor: tech at 28% with plenty of growthy friends, financials, industrials, and consumer cyclicals making up the bulk. Nothing is wildly out of line with major US indexes, but let’s be honest: if US big tech catches a cold, this portfolio gets pneumonia. The “broad diversification” label is technically true, but it’s like a band where the lead guitarist is blasting at 11 while everyone else is background noise. Keeping tech-heavy exposure is fine if growth is the goal, but regularly checking that no single theme becomes an accidental 40–50% bet would keep this from turning into a one-trick pony.

Regions Info

  • North America
    77%
  • Europe Developed
    10%
  • Japan
    4%
  • Asia Emerging
    3%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, this is “America or bust” with 77% in North America. Developed ex-US at 10% and emerging markets at 5% are basically there so you can say you’re global without really meaning it. That’s normal for many US-based investors, but it does mean you’re very tied to US valuations, policy, and currency. If the US keeps winning, you’ll look brilliant; if the rest of the world has its decade, you’ll be watching from the sidelines. Gradually nudging non-US exposure up, instead of going all-in overnight, would reduce the “US exceptionalism or nothing” vibe while still keeping the home bias comfort blanket.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    30%
  • Mid-cap
    19%
  • Small-cap
    10%
  • Micro-cap
    1%

Market cap mix is actually one of the more sensible parts: 39% mega, 30% big, 19% mid, 10% small, and a token 1% micro. That’s a decent spread, leaning naturally toward the giants but not ignoring the scrappier companies. The small and mid caps come via dedicated ETFs, but remember they’re still heavily correlated with the big guys in a crash: when the market falls, everyone goes down together, just at different speeds. Still, this balance avoids the classic mistake of going all-in on either mega caps or lottery-ticket small caps. You somehow managed to not mess this part up — impressive.

Redundant positions Info

  • Vanguard Small-Cap Index Fund ETF Shares
    iShares Core S&P Mid-Cap ETF
    High correlation
  • Vanguard S&P 500 ETF
    Invesco S&P 500® Quality ETF
    iShares MSCI USA Quality Factor ETF
    Schwab U.S. Large-Cap Growth ETF
    High correlation

Correlation here is off the charts: the S&P 500, S&P 500 quality, US quality, and large-cap growth funds are basically the same movie with slightly different filters. Same story with small and mid caps marching in lockstep. Correlation just means things move together; in a crash, all these funds will happily jump off the cliff at the same time. Owning multiple flavors of the same index doesn’t give “diversification,” it gives “spreadsheet clutter.” Trimming overlapping US large-cap funds and consolidating into fewer, broader holdings would simplify risk and reduce the illusion that owning more tickers somehow means less danger.

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.

In risk–return terms, this is a loud, slightly inefficient overachiever. You’re getting strong returns and clearly sit in the “growth” seat, but the extra factor funds and US-heavy bias probably push you away from the efficient frontier — that imaginary line where each level of risk gets the best possible return. You’re paying for extra complexity and volatility without a clear, guaranteed payoff beyond “I like the S&P a lot.” Tightening the lineup to fewer core funds, trimming redundant factors, and maybe dialing in a tiny bit of genuine diversification (bonds or more non-US) would pull you closer to that efficient line without neutering the growth profile.

Dividends Info

  • iShares Core S&P Mid-Cap ETF 1.30%
  • iShares MSCI USA Quality Factor ETF 0.90%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Invesco S&P 500® Quality ETF 1.10%
  • Invesco S&P 500® Momentum ETF 0.70%
  • Vanguard Small-Cap Index Fund ETF Shares 1.30%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 3.20%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.56%

A total yield of about 1.6% is the financial equivalent of “I’m here for vibes, not income.” This is a growth-first setup, which is fine, but anyone dreaming of living off dividends from this mix is in fantasy land. Yield is mainly coming from international and some mid/small caps; the growth-heavy US funds are basically saying “we’ll reinvest for you, don’t expect pocket money.” If future income is a goal, this layout will eventually need a shift toward more income-focused holdings or a decumulation plan that relies on selling shares in a controlled way instead of pretending 1–2% yield will cover real-life expenses.

Ongoing product costs Info

  • iShares Core S&P Mid-Cap ETF 0.05%
  • iShares MSCI USA Quality Factor ETF 0.15%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Invesco S&P 500® Quality ETF 0.15%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Small-Cap Index Fund ETF Shares 0.05%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Weighted costs total (per year) 0.06%

Costs are where this portfolio quietly flexes: a total expense ratio around 0.06% is stupidly low. You’re basically paying couch-cushion-change for access to the global equity casino. TER (Total Expense Ratio) is just the annual fee the funds skim off; you’ve clearly dodged the high-fee active fund trap. That said, having so many overlapping ETFs for almost the same exposure is like buying three cheap streaming services all to watch the same show. You’re not losing much money to fees, but you are adding complexity for no real benefit. Cleaning up duplication would keep the low-cost win while making the structure less fussy.

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