Globally diversified stock portfolio with a strong momentum tilt and a small speculative crypto sleeve
Report created on Apr 6, 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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VT Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 66.50% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 30.00% -
FB Fidelity Wise Origin Bitcoin Trust
FBTC - US3159481098 3.50%
This portfolio is built around one broad global stock ETF as the core, with a sizable satellite position in a momentum-focused US stock ETF and a small slice in a bitcoin trust. That means almost everything here is tied to global equities, with a modest “turbo” from momentum stocks and a higher-risk kicker from crypto. Structuring things this way is common: one simple, diversified anchor plus a couple of targeted tilts. The key implication is that the ride will mostly feel like the stock market, but with extra sensitivity to fast-moving US names and bitcoin swings. Anyone using a setup like this should be comfortable with equity-style ups and downs as the main driver of results.
Growth
Over the recent period, a $1,000 investment grew to about $1,518, which translates into a compound annual growth rate (CAGR) of 20.74%. CAGR is like your average speed on a road trip, smoothing out good and bad days into one yearly number. This beat both the US market and a global market benchmark by roughly 3–4 percentage points per year, which is a strong result. The worst peak-to-trough drop was about -17.75%, similar to broad markets, and recovered within a few months. That mix of better returns without noticeably worse drawdowns is encouraging, but it’s still a short window; past outperformance over a couple of years doesn’t guarantee the same pattern will continue.
Projection
The Monte Carlo projection uses historical return and volatility data to simulate thousands of possible 15‑year paths, like running alternate “what if” timelines. The median outcome takes $1,000 to about $2,821, with a wide middle range from roughly $1,825 to $4,451 and a broader band out to $7,976 on the high end. The average simulated annual return around 8.34% is comfortably above cash assumptions, and roughly three-quarters of simulations end positive. These numbers are not predictions; they only show what could happen if future markets rhymed with the past. The real value is seeing that outcomes can vary a lot, so planning should allow for both weaker and stronger long-term return paths.
Asset classes
- Stocks 96%
- Crypto 4%
Almost all of the portfolio is in stocks (96%), with a small 4% slice in crypto. That makes this very much an equity-driven allocation, where long-term growth potential is high, but short-term volatility can also be substantial. A true balanced mix often includes some bonds or other defensive assets to dampen the ride; here, “balance” comes more from broad stock diversification than from mixing different asset classes. The 4% crypto piece adds extra risk without changing the character of the portfolio: if global stocks fall sharply, the overall value will still move primarily with them. For someone comfortable with stock-heavy exposure, this is coherent, but it isn’t a classic stock–bond balance.
Sectors
- Technology 30%
- Financials 13%
- Industrials 13%
- Health Care 9%
- Telecommunications 8%
- Consumer Discretionary 7%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 4%
- Utilities 2%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is spread across technology, financials, industrials, health care, telecom, consumer areas, energy, materials, utilities, and real estate, with technology the single largest slice around 30%. That is broadly similar to many global equity benchmarks, which also lean heavily toward tech and related fields. The upside is participation in major growth and innovation themes that have driven markets in recent years. The trade-off is that tech-tilted portfolios can be more sensitive to interest rate changes and shifts in investor sentiment toward growth companies. Overall, this sector mix is well-balanced and aligns closely with global standards, providing solid diversification across economic areas rather than a bet on one narrow theme.
Regions
- North America 72%
- Europe Developed 10%
- Japan 4%
- Asia Developed 4%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, about 72% of the exposure is in North America, with smaller allocations across developed Europe, Japan, other developed Asia, emerging Asia, and bits of Australasia, Latin America, and Africa/Middle East. This North America tilt mirrors many world market indices, where US companies dominate total market value. The benefit is alignment with how global capital is actually distributed and heavy exposure to large, globally competitive firms. The flip side is that results are quite tied to one region’s currency, economy, and policy environment. The good news: there is still meaningful diversification into other regions, so this structure remains broadly global rather than purely home-biased or single-country focused.
Market capitalization
- Mega-cap 39%
- Large-cap 37%
- Mid-cap 15%
- Small-cap 3%
- Micro-cap 1%
This breakdown covers the equity portion of your portfolio only.
Market cap exposure is concentrated in mega-cap and large-cap companies (together about 76%), with moderate mid-cap exposure and only small slices in small and micro caps. Larger companies tend to be more stable and more widely researched, often making the portfolio’s behavior closer to the big headline indices. That can mean somewhat lower volatility than a small-cap-heavy mix, but also fewer very early-stage growth opportunities. The limited small and micro-cap exposure still adds some dynamism and diversification, without making the portfolio overly dependent on more fragile, thinly traded names. For most long-term investors, this large-cap skew is a sensible, benchmark-like core that keeps risk more manageable.
True holdings
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NV NVIDIA Corporation 5.29%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
AV Broadcom Inc 2.98%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.56%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
AA Apple Inc 2.31%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 2.06%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
MS Microsoft Corporation 1.75%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
JN Johnson & Johnson 1.63%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
MU Micron Technology Inc 1.59%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
AM Amazon.com Inc 1.21%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
XO Exxon Mobil Corp 1.21%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Top 10 total 22.60%
Looking through the ETFs, the largest underlying exposures include big names like NVIDIA, Broadcom, Alphabet, Apple, Microsoft, Amazon, Johnson & Johnson, Micron, and Exxon Mobil. Several of these show up via both the global fund and the US momentum ETF, which creates some hidden concentration in a handful of mega-cap growth and tech-oriented names. Because only top-10 ETF holdings are used, the actual overlap is likely higher than shown. This matters because performance can be more tied to the fortunes of a small group of large companies than the surface-level diversification suggests. It’s not automatically a problem, but it does mean that what happens to these giants will be a big driver of overall returns.
Factors
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 exposures across value, size, momentum, quality, yield, and low volatility are all in the “neutral” band, indicating a market-like blend without strong systematic tilts. Factors are like the ingredients behind stock returns — things like cheapness (value), trend following (momentum), or financial strength (quality). Despite holding a momentum ETF, the overall portfolio still nets out to roughly neutral, because the large world index fund anchors exposures near the market average. This balanced factor profile generally means behavior similar to broad indices, without heavy reliance on any one style winning. It can help avoid the boom-bust cycles that come with aggressive single-factor bets, while still capturing broad equity risk premia over time.
Risk contribution
-
Vanguard Total World Stock Index Fund ETF Shares
Weight: 66.50% 58.7% -
Invesco S&P 500® Momentum ETF
Weight: 30.00% 35.9% -
Fidelity Wise Origin Bitcoin Trust
Weight: 3.50% 5.5%
Risk contribution shows how much each holding drives total ups and downs, which can differ from its weight. Here, the global ETF is two-thirds of the capital but contributes about 59% of the risk, so it’s actually a bit less risky per dollar than the portfolio average. The momentum ETF is 30% of the weight but almost 36% of the risk, and bitcoin is only 3.5% weight yet over 5% of risk, reflecting its higher volatility. That pattern is normal: more volatile assets amplify swings even in small doses. If someone wanted a smoother ride without changing holdings, dialing back the higher risk/weight positions and leaning a bit more on the broader ETF would typically lower overall volatility.
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 on or very close to the efficient frontier, which represents the best achievable return for each risk level using these holdings. The Sharpe ratio of 1.0 is slightly below the maximum Sharpe of 1.27 for a more aggressive mix and just under the 1.08 of the minimum variance option, but the key message is that this allocation is already highly efficient. In plain language, for the amount of volatility taken, the historical return profile is strong and not obviously improvable just by shuffling weights. Any future tweaks would be more about changing the risk level — going calmer or spicier — than fixing an inefficient structure.
Dividends
- Invesco S&P 500® Momentum ETF 0.90%
- Vanguard Total World Stock Index Fund ETF Shares 1.80%
- Weighted yield (per year) 1.47%
The overall dividend yield is about 1.47%, with the global ETF around 1.8% and the momentum ETF closer to 0.9%. Dividends are the cash payouts companies distribute from profits, and they can form a steady part of total return, especially over long periods when reinvested. A yield in this range is typical for a growth-oriented, global equity mix and suggests the focus is more on capital appreciation than on generating immediate income. For investors not relying on regular cash flow, a moderate yield like this is perfectly reasonable. The key is to remember that total return combines both price gains and dividends; a lower yield doesn’t necessarily mean weaker overall performance.
Ongoing product costs
- Fidelity Wise Origin Bitcoin Trust 0.25%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- Weighted costs total (per year) 0.09%
Total ongoing fees, measured by TER (Total Expense Ratio), average out to a very low 0.09%. That’s driven by the ultra-low-cost global ETF at 0.07%, a modest fee on the momentum ETF, and a slightly higher cost on the bitcoin trust — reasonable for its asset class. Costs act like friction on performance: a small annual percentage can add up to a big difference over decades. In this case, the fee drag is impressively low and fully in line with best practices for long-term investing. This cost structure is doing exactly what it should — staying out of the way so that more of the portfolio’s gross returns end up in the investor’s pocket.
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