This portfolio has only about 2 months of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
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Growth tilted portfolio with strong technology themes and a notable gold ballast over a very short history

Report created on May 31, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is a growth-tilted mix built mainly from equity ETFs and individual stocks, with a clear technology and theme focus plus a sizeable gold position. Stocks make up the bulk of the allocation, while gold, commodities, and a small set of cash and bond funds round out the structure. The top holding is a gold ETF at over 13%, and the next-largest weights are spread across dividend, value, momentum, and semiconductor exposures. Because the portfolio has only about two months of data, it is too early to say these patterns are “stable,” but structurally this looks like a growth-oriented equity core wrapped with thematic satellites and a gold hedge. That combination can create meaningful swings, especially around tech news or commodity price moves.

Growth Info

Over the limited period from early April to late May, a $1,000 investment rose to about $1,248, a very sharp gain versus both US and global equity benchmarks. The computed CAGR of over 370% reflects that short window; it does not mean the portfolio is likely to grow that fast over longer periods. CAGR, or compound annual growth rate, is like averaging the speed of a car over a trip, and here the “trip” is extremely short. The max drawdown of around -4% has been shallow so far, and most returns came from just a handful of days. These numbers mostly show that the portfolio has been riding a favorable, tech-driven burst, not a proven long-term pattern.

Projection Info

The Monte Carlo projection uses the recent return and volatility data to simulate many different 15‑year paths for this portfolio, ending with a median value around $2,517 from $1,000. Monte Carlo essentially replays patterns from the short history in thousands of random combinations, then summarizes the range of possible outcomes. Here, the likely band is wide, from roughly $1,800 to $3,600, and the full range is even wider. Because the inputs come from only about two months of performance, these simulations are much less reliable than usual and could be strongly distorted by the recent hot streak. They’re better read as a rough “what‑if” illustration than a forecast.

Asset classes Info

  • Stocks
    77%
  • Other
    15%
  • Bonds
    3%
  • Real Estate
    2%
  • No data
    2%
  • Cash
    1%

Asset‑class allocation is dominated by equities at 77%, with about 15% in “other” (mainly gold and commodities), 3% in bonds, 2% in real estate, 1% in cash, and a small slice labeled “no data.” This equity‑heavy mix is consistent with a growth orientation and aligns with the portfolio’s 5/7 risk score. The sizeable “other” bucket creates a diversifying element, since gold and broad commodities often move differently from stocks over time, though that hasn’t really been tested yet in this two‑month window. Compared with a plain equity index, this portfolio leans more into real assets and less into bonds, which can change how it behaves during inflation surprises or equity pullbacks.

Sectors Info

  • Technology
    30%
  • Industrials
    12%
  • Telecommunications
    10%
  • Financials
    6%
  • Health Care
    4%
  • Energy
    4%
  • Consumer Staples
    4%
  • Consumer Discretionary
    3%
  • Utilities
    3%
  • Real Estate
    2%
  • Basic Materials
    2%
  • Cash
    1%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is notably tilted toward technology at about 30%, with additional weight in industrials, telecommunications, and a spread across financials, health care, energy, staples, and utilities. This is more tech‑heavy than broad global benchmarks, which tend to have a smaller tech share and more balance across sectors. Tech‑heavy portfolios can benefit strongly when innovation themes and growth expectations are popular, but they often show sharper moves when interest rates rise or sentiment turns against expensive growth stories. The balanced presence of utilities, staples, and energy adds some defensive flavor, yet the overall risk story is still dominated by tech and tech‑adjacent names, especially in semiconductors and digital infrastructure.

Regions Info

  • North America
    64%
  • Europe Developed
    9%
  • Asia Developed
    3%
  • Japan
    2%
  • Cash
    1%
  • Australasia
    1%
  • Asia Emerging
    1%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, the portfolio is clearly centered on North America at about 64%, with smaller slices in developed Europe, developed Asia, Japan, and bits of Australasia, emerging Asia, and Africa/Middle East. This US‑tilt is common and broadly in line with many “home‑biased” portfolios, though global indices often allocate slightly more outside the US. A concentration in one region ties a lot of outcomes to a single economy, currency, and policy environment. Here, that means US macro conditions, interest rates, and tech regulation matter a lot. The international and emerging allocations provide some diversification, but they are modest, so global shocks may still show up in similar ways across much of the portfolio.

Market capitalization Info

  • Large-cap
    37%
  • Mega-cap
    22%
  • Mid-cap
    14%
  • Small-cap
    4%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

By market cap, the portfolio leans toward larger companies, with about 59% in mega‑ and large‑caps, 14% in mid‑caps, and smaller slices in small‑ and micro‑caps. Large and mega companies often have more stable businesses, deeper liquidity, and broader analyst coverage, which can moderate some risk relative to an all small‑cap approach. The presence of small and micro names, especially in cutting‑edge themes like quantum computing or AI infrastructure, adds punchier, more idiosyncratic risk. In a short two‑month sample, the smaller names can drive outsized moves, but over time their higher volatility tends to average out differently than the steadier large‑cap core.

True holdings Info

  • Micron Technology Inc
    5.66%
    Part of fund(s):
    • Defiance Quantum ETF
    • Invesco S&P 500® Momentum ETF
    • Roundhill Memory ETF
    • VanEck Semiconductor ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Value Index Fund ETF Shares
    • iShares MSCI USA Value Factor ETF
    Direct holding 4.65%
  • Alphabet Inc Class C
    5.03%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • SPDR Gold MiniShares
    • Schwab Fundamental U.S. Large Company Index ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
    Direct holding 4.21%
  • Nebius Group N.V.
    3.43%
  • Marvell Technology Group Ltd
    2.50%
  • NVIDIA Corporation
    2.30%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund
    • Invesco S&P 500® Momentum ETF
    • SPDR Gold MiniShares
    • VanEck Semiconductor ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
    • WisdomTree Quantum Computing Fund
  • Apple Inc
    1.45%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • SPDR Gold MiniShares
    • Schwab Fundamental U.S. Large Company Index ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
  • Broadcom Inc
    1.38%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • Invesco S&P 500® Momentum ETF
    • SPDR Gold MiniShares
    • VanEck Semiconductor ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard High Dividend Yield Index Fund ETF Shares
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
    Direct holding 0.14%
  • Microsoft Corporation
    1.37%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • SPDR Gold MiniShares
    • Schwab Fundamental U.S. Large Company Index ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
    Direct holding 0.30%
  • Vertiv Holdings Co
    1.27%
  • Palantir Technologies Inc.
    1.17%
    Part of fund(s):
    • Global X Defense Tech ETF
    Direct holding 0.75%
  • Top 10 total 25.56%

This breakdown covers the equity portion of your portfolio only.

Looking through to underlying holdings, a handful of companies show up both directly and via ETFs. Micron and Alphabet are each above 5% in total exposure, combining direct positions with ETF stakes. Broadcom and Microsoft also have meaningful overlap between single‑stock holdings and index or thematic funds. This kind of “hidden” overlap can make the portfolio more concentrated in a few names than the fund count suggests, especially in semiconductors and big tech platforms. Because only ETF top‑10 holdings are included, the actual overlap could be somewhat higher. That means company‑specific news for these firms can have an outsized effect compared to what the surface position weights alone might imply.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 53%
Size
Exposure to smaller companies
Very low
Data availability: 79%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 8%
Quality
Preference for financially healthy companies
High
Data availability: 22%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 91%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 89%

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 shows a very low tilt to the size factor, meaning the portfolio leans away from smaller companies overall and more toward larger ones. At the same time, there are high tilts toward momentum and quality. Factor exposure is basically the set of “traits” your holdings share, like growthiness, stability, or recent strong performance. A high momentum tilt means many holdings have done well recently, which often helps in trending markets but can hurt during sharp reversals. High quality suggests exposure to companies with stronger balance sheets or profitability. Combined with the low size tilt, this points to a portfolio that may behave more like a collection of strong, established winners than a basket of speculative small caps, though the short history makes this only an early snapshot.

Risk contribution Info

  • Micron Technology Inc
    Weight: 4.65%
    15.0%
  • SPDR Gold MiniShares
    Weight: 13.65%
    10.7%
  • Nebius Group N.V.
    Weight: 3.43%
    10.3%
  • VanEck Semiconductor ETF
    Weight: 3.41%
    5.8%
  • Marvell Technology Group Ltd
    Weight: 2.50%
    5.3%
  • Top 5 risk contribution 47.0%

Risk contribution highlights how much each position drives overall portfolio ups and downs. Here, Micron and Nebius each contribute about three times as much risk as their weights would suggest, while the gold ETF actually contributes less risk than its sizable allocation. Micron alone is roughly 15% of total portfolio risk despite being under 5% of the weight. This happens because risk contribution reflects both size and volatility—like a loud instrument dominating an orchestra. The top three holdings together drive about 36% of total risk, meaning portfolio behavior is heavily influenced by just a few names, particularly in semiconductors and the tech‑adjacent space, even though there are many line items overall.

Redundant positions Info

  • Vanguard High Dividend Yield Index Fund ETF Shares
    iShares Core Dividend Growth ETF
    High correlation
  • Vanguard Value Index Fund ETF Shares
    Schwab Fundamental U.S. Large Company Index ETF
    High correlation
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
    EUROPACIFIC GROWTH FUND CLASS R-6
    High correlation
  • Fidelity 500 Index Fund
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

Several fund pairs in this portfolio have moved almost identically over the short observation period, such as the two main US dividend ETFs, the core US large‑cap funds, and the main international index pair. Correlation measures how often assets move together; high correlation reduces the diversification benefit of holding both. With only two months of data, these very high correlations mainly tell us that funds tracking similar markets have behaved similarly in that brief window, which fits expectations. In a real stress event, correlations across equities can rise further, limiting diversification. Holding multiple overlapping index funds may feel diversified but can still act like a single block of market exposure when conditions turn.

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 analysis shows the current portfolio sitting well below the curve of the best risk/return combinations available using the same holdings. The Sharpe ratio—risk‑adjusted return—of the current mix is strong over this unusually positive period, but an alternative weighting could have delivered higher return per unit of risk, at least historically. The optimal portfolio here has a much higher Sharpe with lower volatility, while the minimum variance mix is essentially risk‑free and not meaningful. Because these numbers come from a short, tech‑driven performance window, the exact distances are less informative than usual, but the general point stands: how positions are sized can matter as much as which positions are held.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.70%
  • Broadcom Inc 0.60%
  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Cameco Corp 0.20%
  • iShares Core Dividend Growth ETF 2.00%
  • Global X Data Center & Digital Infrastructure ETF 0.70%
  • Fidelity® High Dividend ETF 2.70%
  • Schwab Fundamental International Large Company Index ETF 2.90%
  • Schwab Fundamental U.S. Large Company Index ETF 1.50%
  • FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 1.00%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.40%
  • Fidelity 500 Index Fund 1.00%
  • Alphabet Inc Class C 0.20%
  • First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund 0.80%
  • KraneShares MSCI Emerging Markets ex China Index ETF 2.30%
  • Marvell Technology Group Ltd 0.10%
  • Microsoft Corporation 0.60%
  • Micron Technology Inc 0.10%
  • Neuberger Berman Commodity Strategy ETF 6.60%
  • EUROPACIFIC GROWTH FUND CLASS R-6 12.50%
  • Schwab U.S. Dividend Equity ETF 3.20%
  • Global X Defense Tech ETF 0.40%
  • VanEck Semiconductor ETF 0.20%
  • Invesco S&P 500® Momentum ETF 0.70%
  • Vanguard Information Technology Index Fund ETF Shares 0.30%
  • iShares MSCI USA Value Factor ETF 1.40%
  • Vanguard Federal Money Market Fund Investor Shares 3.60%
  • Vertiv Holdings Co 0.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.00%
  • Vanguard Value Index Fund ETF Shares 1.90%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Vanguard High Dividend Yield Index Fund ETF Shares 2.20%
  • Utilities Select Sector SPDR® Fund 2.70%
  • MarketDesk Focused U.S. Momentum ETF 0.20%
  • Defiance Quantum ETF 0.70%
  • Fidelity Govt Cash Rsrvs 3.40%
  • Fidelity® Government Money Market Fund 2.30%
  • Weighted yield (per year) 1.32%

Dividend yield for the overall portfolio, at around 1.32%, is modest, reflecting its growth‑and‑thematics tilt. Some holdings, like high‑dividend ETFs and value‑oriented funds, offer yields in the 2–3% range, while others—especially big tech and semiconductor names—offer low or no dividends. A couple of funds show unusually high yields based on recent distributions, which may include special or irregular payouts rather than steady income levels. Dividends can act like a slow, steady contribution to total return, but with such a short data window, the reported yields may not represent a long‑term pattern. Here, capital growth and price movement are more central than income.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares Core Dividend Growth ETF 0.08%
  • Global X Data Center & Digital Infrastructure ETF 0.50%
  • Fidelity® High Dividend ETF 0.15%
  • Schwab Fundamental International Large Company Index ETF 0.25%
  • Schwab Fundamental U.S. Large Company Index ETF 0.25%
  • FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.06%
  • Fidelity 500 Index Fund 0.02%
  • SPDR Gold MiniShares 0.10%
  • First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund 0.57%
  • KraneShares MSCI Emerging Markets ex China Index ETF 0.24%
  • Neuberger Berman Commodity Strategy ETF 0.66%
  • EUROPACIFIC GROWTH FUND CLASS R-6 0.47%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Global X Defense Tech ETF 0.50%
  • VanEck Semiconductor ETF 0.35%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • iShares MSCI USA Value Factor ETF 0.15%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Value Index Fund ETF Shares 0.04%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Vanguard High Dividend Yield Index Fund ETF Shares 0.06%
  • Utilities Select Sector SPDR® Fund 0.09%
  • Defiance Quantum ETF 0.40%
  • Weighted costs total (per year) 0.16%

The portfolio’s blended total expense ratio of 0.16% is impressively low, especially given the mix of broad index funds and more specialized thematic ETFs. TER, or total expense ratio, is the annual fee charged by a fund; lower fees leave more of any future returns in your pocket over time. Most of the core index and factor funds here are very cheap, while a few thematic or actively managed funds sit closer to the 0.50–0.70% range. Overall, the low blended cost aligns well with best practices and supports efficient compounding. Over long horizons, even a few tenths of a percent in annual fees can add up substantially, so this cost structure is a real strength.

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