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A turbocharged growth junkie portfolio wearing a fake balanced name tag

Risk 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.

What type of investor this portfolio is suitable for

Balanced Investors

This setup fits someone who says “balanced” to sound responsible but secretly loves high-octane growth. Risk tolerance looks comfortably above average, with a willingness to ride big market swings as long as the long-term chart points up and to the right. The likely goal is aggressive wealth building rather than steady income, and the time horizon is probably long enough to shrug off nasty drawdowns. There’s a bit of “I trust tech and US dominance” optimism baked in, plus a side of shiny-object curiosity with gold and Ether. Overall, it suits a growth-chaser who can handle volatility but might be underestimating how rough the ride can really get.

Positions

  • Schwab U.S. Large-Cap Growth ETF
    SCHG - US8085243009
    58.27%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    15.23%
  • SPDR® Gold Shares
    GLD - US78463V1070
    14.90%
  • Invesco NASDAQ 100 ETF
    QQQM - US46138G6492
    7.95%
  • Vanguard Growth Index Fund ETF Shares
    VUG - US9229087369
    2.54%
  • EPAM Systems Inc
    EPAM - US29414B1044
    0.63%
  • Fidelity Advantage Ether ETF - L
    FETH
    0.48%

This thing calls itself “Balanced” but is basically a growth-stock fan club with a gold side quest. Over half is in one large-cap US growth ETF, then you stacked more growth on top with a Nasdaq ETF and another growth fund, plus a tiny sprinkle of random stock and a novelty Ether ETF. That’s not diversification, that’s costume changes for the same character. In plain terms, when US growth sneezes, almost your whole portfolio catches the flu. To clean this up, cut overlapping funds that do the same job, decide what share you actually want in growth, and then use a few broad, complementary building blocks instead of five flavors of almost-identical ice cream.

Warning Historical data is limited for this portfolio, which reduces the confidence in the calculated values.

Growth Info

Historically, a ~24% CAGR is bonkers good. If $10k had grown at that pace for 10 years, you’d be sitting near $88k and feeling like a genius. But that max drawdown of about -18% is the market reminding you it still has teeth. CAGR (Compound Annual Growth Rate) is like your average speed on a road trip; max drawdown is the worst crash along the way. Also, performance this good versus typical stock indexes screams “growth bull market tailwind,” not pure brilliance. Markets change. Treat these numbers as “it went well in this weather,” not “this will always work.” Future-proofing matters more than admiring the rearview mirror.

Warning Due to limited historical data, this may show extreme values that are not realistic.

Projection Info

The Monte Carlo results are wild. Median outcome near 10x and upper scenarios going 20x+ look like a lottery ticket someone tried to make sound scientific. Monte Carlo just runs thousands of what-if paths using past-like volatility and return assumptions; it’s basically a financial video game simulator, not a crystal ball. The fact that 95% of scenarios still made money says the inputs are generous, not that reality will be. Past data is yesterday’s weather: useful, but it won’t warn you about the freak storm. A more grounded approach would tone down assumptions and decide how much downside you can stomach instead of drooling over best-case charts.

Asset classes Info

  • Stocks
    84%
  • Other
    15%
  • Cash
    0%
  • No data
    0%

On paper: 84% stocks, 15% “Other” (which is mostly gold and Ether), 0% cash. For a “Balanced” label, this looks more like an aggressive growth portfolio that panic-bought some gold to feel mature. Asset classes are like food groups for investing: stocks for growth, bonds for stability, cash for flexibility, alternatives like gold as seasoning. You skipped the vegetables (bonds) entirely and replaced them with dessert (growth stocks) and shiny metal. If the aim is actual balance, consider introducing something that behaves differently from stocks in crashes, instead of betting that gold plus volatility will magically act like a safety net.

Sectors Info

  • Technology
    35%
  • Telecommunications
    12%
  • Consumer Discretionary
    11%
  • Financials
    8%
  • Health Care
    7%
  • Industrials
    6%
  • Consumer Staples
    2%
  • Basic Materials
    2%
  • Energy
    1%
  • Utilities
    1%
  • Real Estate
    1%

Sector tilt screams “tech and friends.” Around 35% in Technology and big slices in Communication Services and Consumer Cyclicals means you’re heavily exposed to growth stories, sentiment, and hype cycles. That’s great when markets love innovation; less fun when regulators, interest rates, or earnings disappoint. A broad index typically spreads more across boring-but-steady sectors like utilities and consumer defensive; you’ve given those almost no love. It’s like a team full of strikers and no defenders. To avoid getting smashed in bad seasons, dial back duplication in tech-heavy funds and intentionally bump exposure to sectors that behave differently when growth stocks sulk.

Regions Info

  • North America
    70%
  • Europe Developed
    6%
  • Asia Emerging
    3%
  • Japan
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    0%
  • Europe Emerging
    0%

Geography-wise, it’s “USA first and second, rest of world maybe.” About 70% in North America with only small crumbs to Europe, Japan, and emerging Asia. For someone in the US, a home bias is normal, but this is basically saying “the global economy = American tech and friends.” When the US leads, that looks genius; when another region shines or the dollar wobbles, you’re underexposed. International exposure is like having backup wi-fi—boring until your main line drops. Tighten up US growth overlap, then use a more balanced global slice to give non-US markets a real seat at the table instead of a participation trophy.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    24%
  • Unknown
    15%
  • Mid-cap
    10%
  • Small-cap
    1%
  • Micro-cap
    0%

Market cap spread is very top-heavy: nearly half in mega caps and another big chunk in large (“big”) companies. A little mid-cap, almost no small cap. You’re basically betting on the giants that already won the last decade. That can be fine, but don’t pretend it’s edgy or diversified—it’s the blue-chip fan club. When mega caps work, they really work. When leadership rotates to smaller or more domestic names, you’ll watch from the sidelines. If the goal is smoother long-term growth, think about whether you want deliberate exposure to mids and smalls, instead of hoping your current funds accidentally pick them up in tiny crumbs.

Redundant positions Info

  • Vanguard Growth Index Fund ETF Shares
    Invesco NASDAQ 100 ETF
    Schwab U.S. Large-Cap Growth ETF
    High correlation

Your main funds are highly correlated, which is a fancy way of saying they all move together like synchronized swimmers in a market wave. When everything is green, that’s fun. When it’s red, it’s a bloodbath. Correlation just measures how similarly assets move; high correlation means your supposed diversification is mostly cosmetic. Here, the Schwab US large-cap growth ETF, the Nasdaq fund, and the Vanguard growth ETF are basically different T-shirts for the same growth trade. Simplify by consolidating overlapping growth funds and pairing what's left with holdings that actually zig when growth zags, not more of the same dressed in a new ticker.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Vanguard Total International Stock Index Fund ETF Shares 3.10%
  • Weighted yield (per year) 0.76%

A total yield of around 0.76% is a polite way of saying “This portfolio does not care about income.” That’s fine if the goal is growth and you’re not relying on payouts, but this isn’t exactly a cash-flow machine. Dividends are just companies sharing some profits with you regularly; here, most of your return is expected from price jumps, not steady checks. If income ever becomes important, this setup will feel like waiting for a bus that never comes. For now, if growth is the game, at least be honest about it and don’t pretend this is some balanced, income-friendly setup.

Ongoing product costs Info

  • SPDR® Gold Shares 0.40%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.10%

Costs are the one area where this portfolio isn’t pretending to be something else. A total TER of about 0.10% is impressively low—you clearly avoided the worst fee traps and somehow didn’t wander into expensive active funds. Even the gold ETF, while not cheap, isn’t a total rip-off. But low cost doesn’t automatically mean smart structure; you basically built a very cheap, very concentrated bet on US growth with accessories. Think of it as buying premium gasoline for a car with misaligned wheels. Keep the low-fee mindset, but fix the overlaps and risk concentrations so those cost savings actually support a well-built portfolio instead of a flashy mess.

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.

The optimization results are basically yelling, “You’re leaving performance on the table for no good reason.” At the same risk level, a more efficient mix could target much higher returns. “Efficiency” here just means getting the best trade-off between volatility and return—the Efficient Frontier is like the top shelf where all the best combos live. Your portfolio sits below that shelf, weighed down by duplicated growth funds and unhelpful correlations. The fix isn’t chasing magical high-return setups; it’s trimming redundant holdings, mixing assets that actually diversify, and making sure every position earns its spot by improving either risk or return, not just vibes.

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