Strong global equity mix with efficient risk profile and balanced factor exposures
Report created on Apr 5, 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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ID Invesco S&P International Developed Momentum ETF
IDMO - US46138E2220 40.00% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 40.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 20.00%
This portfolio is a pure equity mix built from three broad ETFs, with 80% in standard large‑cap indices and 20% in a momentum‑tilted US fund. The split between US large caps and developed international momentum stocks creates a simple yet growth‑oriented structure. Having everything in listed stocks means clear pricing and liquidity, but also full exposure to equity ups and downs. For many growth‑focused investors, this kind of structure is a clean, easy‑to‑understand core holding. The main takeaway is that risk here comes almost entirely from global stock markets, not from bonds, alternatives, or niche assets, so expectations should be set around stock‑market‑type volatility and drawdowns.
Growth
Historically, $1,000 grew to about $3,738 over the 2016–2026 period, implying a compound annual growth rate (CAGR) of 18.18%. CAGR is like your average speed over a long road trip, smoothing out bumps along the way. This return slightly lagged the US market benchmark but clearly beat the global market by almost 3 percentage points per year. The maximum drawdown of around –32% during early 2020 was sharp but similar to the benchmarks, showing you didn’t take meaningfully more downside than broad markets. The key point: performance has been strong and globally competitive, but still subject to big temporary drops, which are part of the deal with growth‑oriented equity portfolios.
Projection
The Monte Carlo simulation projects many possible 15‑year paths by remixing past return and volatility patterns, a bit like running thousands of “what if” futures. The median outcome turns $1,000 into roughly $2,926, with a wide but reasonable range from about $1,880 to $4,458 in the middle 50% of cases. There’s roughly a 76% chance of ending with a positive return, and the average simulated annual return is 8.55%. These numbers are helpful for planning, but they’re not promises; they’re built on historical behavior that may not repeat. The practical takeaway is that long‑term outcomes look favorable on average, but there’s still meaningful uncertainty and you should be comfortable with a range of potential end values.
Asset classes
- Stocks 100%
All of the portfolio sits in stocks, with no bonds, cash surrogates, or alternative assets. That’s very typical for a growth‑focused allocation but means there’s no built‑in shock absorber when markets fall. Mixed‑asset portfolios often hold bonds because they tend to move differently from stocks, softening drawdowns and smoothing the ride. Here, any risk management has to come from how you size your stock exposure overall and how long you plan to stay invested, rather than from asset‑class diversification. The upside is clear participation in equity growth; the trade‑off is that the portfolio will likely experience full‑strength market swings, especially during global crises or recessions.
Sectors
- Technology 24%
- Financials 23%
- Industrials 16%
- Telecommunications 7%
- Health Care 6%
- Basic Materials 5%
- Consumer Discretionary 5%
- Utilities 5%
- Consumer Staples 4%
- Energy 3%
- Real Estate 2%
Sector‑wise, the portfolio is fairly spread out but with clear tilts: roughly a quarter in technology and nearly as much in financials, followed by solid allocations to industrials and a range of other sectors. This is broadly consistent with major global indices, which is a positive sign for diversification, though the momentum components can push more weight into whichever sectors are currently in favor. Tech‑heavy periods can mean stronger growth but also more sensitivity to interest‑rate moves and sentiment swings, while financials can react strongly to economic and policy shifts. Overall, the sector mix is well‑balanced and aligns closely with global standards, giving a good base for broad economic exposure.
Regions
- North America 66%
- Europe Developed 20%
- Japan 9%
- Asia Developed 2%
- Africa/Middle East 2%
Geographically, about two‑thirds of the portfolio is in North America, with the rest spread across developed Europe, Japan, and other developed regions. This is actually quite close to global equity market weights, where the US is dominant but not exclusive. Having 20% in Europe and close to 10% in Japan adds meaningful diversification versus a pure US portfolio, since different economies and currencies experience their own cycles. That said, emerging markets are essentially absent, so potential higher‑growth but higher‑risk regions are not represented. The main takeaway: this geographic spread aligns well with mainstream global equity allocations, offering broad developed‑market participation while staying away from less mature markets.
Market capitalization
- Mega-cap 48%
- Large-cap 40%
- Mid-cap 12%
The portfolio leans heavily into mega‑ and large‑cap stocks, with almost 90% in the biggest global companies and only 12% in mid‑caps. Large caps tend to be more stable, better researched, and more liquid, which can reduce idiosyncratic company risk compared with smaller firms. The trade‑off is less exposure to the kind of high‑growth small companies that sometimes outperform over long stretches but come with more volatility and business risk. This profile is very typical of major index‑tracking funds and aligns with how most global equity investors get their core exposure. It supports a smoother ride than a small‑cap‑heavy strategy, while still participating in broad market growth.
True holdings
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NV NVIDIA Corporation 4.76%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 2.66%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.42%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.18%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 1.98%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.74%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
HS HSBC Holdings PLC 1.69%
Part of fund(s):- Invesco S&P International Developed Momentum ETF
-
SA Banco Santander S.A. 1.47%
Part of fund(s):- Invesco S&P International Developed Momentum ETF
-
86 Toronto Dominion Bank 1.44%
Part of fund(s):- Invesco S&P International Developed Momentum ETF
-
AM Amazon.com Inc 1.39%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 21.72%
Looking through the ETFs, there is notable exposure to a handful of mega‑cap names like NVIDIA, Apple, Microsoft, Alphabet, Amazon, and major global banks such as HSBC and Santander. Some of these appear via more than one fund, especially the big US tech names, which creates hidden concentration even if each ETF looks diversified on its own. Because only top‑10 holdings are captured, actual overlap is probably somewhat higher than shown. This matters because when the same giants drive multiple funds, portfolio behavior can become more tied to those companies’ fortunes than the ETF labels suggest. Understanding this helps set realistic expectations about how closely performance may track the biggest global stocks.
Factors
Factor exposures across value, size, momentum, quality, yield, and low volatility all sit in the “neutral” band, meaning they’re roughly in line with the broad market. Factors are like the underlying ingredients—such as cheapness (value) or trend‑following (momentum)—that research has linked to returns over time. Despite the presence of momentum‑branded funds, the combined portfolio doesn’t show a strong tilt toward or away from any single factor. That’s actually a strength if you want a core holding that behaves similarly to the market and avoids making big bets on specific styles. It suggests performance will largely track broad equity conditions rather than hinging on whether one style factor is in or out of favor.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 40.00% 40.1% -
Invesco S&P International Developed Momentum ETF
Weight: 40.00% 37.8% -
Invesco S&P 500® Momentum ETF
Weight: 20.00% 22.1%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weight. Here, the Vanguard S&P 500 ETF makes up 40% of the allocation and contributes about 40% of the risk—almost a one‑for‑one match. The international momentum ETF contributes slightly less risk than its 40% weight, while the S&P 500 Momentum ETF punches a bit above its 20% weight, adding just over 22% of total risk. This pattern makes sense: a momentum‑tilted fund tends to be a bit more volatile. Overall, risk is well‑distributed across the three positions, and there’s no single holding dominating the portfolio’s behavior, which is a healthy sign.
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, the current portfolio sits right on or very near the efficient frontier, meaning that for its risk level, it’s using these three holdings in a highly efficient way. The Sharpe ratio—a measure of return per unit of risk—of 0.76 is solid, though a slightly different mix of the same funds could theoretically lift it closer to 0.98. The minimum‑variance version would shave a bit of risk while maintaining a good Sharpe. The key insight is reassuring: you’re not leaving obvious risk‑adjusted return on the table given these components. Any improvements now are about fine‑tuning preferences for risk versus return, rather than fixing a structural inefficiency.
Dividends
- Invesco S&P International Developed Momentum ETF 3.80%
- Invesco S&P 500® Momentum ETF 0.90%
- Vanguard S&P 500 ETF 1.20%
- Weighted yield (per year) 2.18%
The overall dividend yield is around 2.18%, with the international momentum ETF notably higher at 3.8%, and the US momentum and S&P 500 funds lower. Dividend yield is the cash income paid out each year as a percentage of your investment, and it can be a meaningful part of total return over time when reinvested. For a growth‑oriented equity portfolio, this is a moderate yield—enough to contribute but not so high that it signals a heavy tilt toward income‑only stocks. The yield profile suggests the focus remains on total return (price gains plus dividends) rather than maximizing current income, which fits well with long‑term growth objectives.
Ongoing product costs
- Invesco S&P International Developed Momentum ETF 0.25%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.14%
The weighted ongoing cost (TER) of the portfolio comes in at a low 0.14%, thanks largely to the very cheap Vanguard S&P 500 ETF and reasonably priced Invesco funds. TER—Total Expense Ratio—is the annual fee the fund charges, taken out of returns before you see them. Over long periods, even small fee differences compound, so keeping costs down is one of the easiest wins in investing. Here, the costs are impressively low and firmly in line with best practices for passive, ETF‑based portfolios. That supports better long‑term performance by letting more of the underlying market returns flow through to the investor.
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