Roast mode 🔥

Momentum junkie meets value hoarder in a surprisingly functional yet wildly overcaffeinated portfolio stew

Report created on Apr 12, 2026

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.

Positions

This portfolio looks like someone started with “simple core index funds” and then rage-clicked every smart-beta and factor ETF in sight. Four 15% chunks in US large and small plus two big momentum bets, then a scatter of international and factor-flavored crumbs at 2.5% each. It’s diversified in a “kitchen-sink” way rather than a clean, elegant way. Everything is an ETF, which is at least tidy, but holding both broad-market and fundamental versions plus momentum tilts is like wearing three jackets at once “just in case.” Takeaway: the overall structure works, but you could get 90% of this behavior with about half the moving parts.

Growth Info

Historically, the numbers are annoyingly good for something this busy: 15.6% CAGR versus 14.7% for the US market and 12.4% for global. That turned $1,000 into $2,563, so the chaos has been profitable. Max drawdown of -33% was basically identical to broad markets, so you’re not getting a softer ride, just a hotter one. CAGR (compound annual growth rate) is your “average speed” over the whole trip, and this car has been flooring it. But remember: past returns are yesterday’s weather, not tomorrow’s forecast. Takeaway: the portfolio has earned its ego so far, but assuming this pace continues forever is how people end up disappointed.

Projection Info

The Monte Carlo projection basically says: “Calm down, it won’t always be 15–16% a year.” Simulations spit out a median of $2,727 after 15 years from $1,000 — that’s about 8% annually, which is way more realistic than your backtest heroics. Monte Carlo is just thousands of “what if” market paths thrown at your current setup, not a crystal ball. You’ve got a roughly 73% chance of being ahead after 15 years, but the possible range ($1,067 to $7,223) screams: “Yes, this can still hurt.” Takeaway: the future looks decent, but anyone expecting straight-line compounding from here needs a cold shower.

Asset classes Info

  • Stocks
    90%
  • Other
    10%

Asset allocation here is “stocks with a side of shiny metal and nothing else.” Ninety percent equities, 10% in gold, zero in bonds or cash buffers. That’s not diversification; that’s “I like volatility, but I’m nervous enough to buy some medieval crisis metal.” Stocks drive almost everything, and gold is basically a mood ring for fear and inflation, not a stable anchor. For a growth orientation, this level of stock exposure makes sense, but let’s not pretend it’s balanced. Takeaway: this is an equity engine with a gold hood ornament, not a multi-asset risk management masterpiece.

Sectors Info

  • Technology
    18%
  • Financials
    17%
  • Industrials
    13%
  • Consumer Discretionary
    8%
  • Energy
    8%
  • Basic Materials
    6%
  • Health Care
    6%
  • Telecommunications
    6%
  • Consumer Staples
    4%
  • Utilities
    2%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector mix is surprisingly sane for something built from so many “clever” ETFs. Tech at 18% is moderate, not full tech cult. Financials and industrials are chunky, energy is nontrivial, and defensives like healthcare and staples are present but not exactly loved. You’ve dodged the usual 30–40% tech addiction, but you’ve also leaned into more cyclical, economically sensitive areas. That means when the economy parties, you dance; when it pukes, you’re holding the bucket. Takeaway: this isn’t a one-note tech bet, but it’s still pretty tied to how the business cycle behaves, not some zen, all-weather mix.

Regions Info

  • North America
    63%
  • Europe Developed
    11%
  • Japan
    7%
  • Asia Developed
    3%
  • Asia Emerging
    3%
  • Africa/Middle East
    2%
  • Australasia
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, this screams “I know other countries exist, but I still sleep with a US flag blanket.” About 63% in North America and 37% scattered across the rest of the world is actually better than many US-centric setups, but still very home-biased relative to global market weights. Europe, Japan, and other regions get grudging allocations, mostly via factor and momentum wrappers instead of plain-vanilla exposure. It’s like you’ll travel abroad, but only on guided tours with strict itineraries. Takeaway: decent international exposure for a US-focused investor, but the portfolio’s fate is still mostly tied to US markets.

Market capitalization Info

  • Large-cap
    26%
  • Mega-cap
    26%
  • Mid-cap
    17%
  • Small-cap
    13%
  • Micro-cap
    7%

This breakdown covers the equity portion of your portfolio only.

Market-cap spread is one of the more interesting parts: 26% mega, 26% large, then a decent 17% mid, 13% small, and even 7% micro. This is not your typical “everything in giants” index clone. You’ve willingly invited smaller and weirder companies into the party, which boosts long-term return potential but also makes the ride bumpier. Micro-caps especially are like the drunk cousin at Thanksgiving — entertaining but unpredictable and occasionally destructive. Takeaway: this size mix fits someone who accepts extra noise in exchange for a shot at higher growth, not someone who checks their balance every day.

True holdings Info

  • NVIDIA Corporation
    2.44%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap ETF
  • Apple Inc
    1.55%
    Part of fund(s):
    • Schwab Fundamental U.S. Large Company Index ETF
    • Schwab U.S. Large-Cap ETF
  • Broadcom Inc
    1.52%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap ETF
  • Alphabet Inc Class A
    1.51%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab Fundamental U.S. Large Company Index ETF
    • Schwab U.S. Large-Cap ETF
  • Alphabet Inc Class C
    1.21%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab Fundamental U.S. Large Company Index ETF
    • Schwab U.S. Large-Cap ETF
  • Microsoft Corporation
    0.98%
    Part of fund(s):
    • Schwab Fundamental U.S. Large Company Index ETF
    • Schwab U.S. Large-Cap ETF
  • Exxon Mobil Corp
    0.94%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab Fundamental U.S. Large Company Index ETF
  • Micron Technology Inc
    0.86%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
  • Amazon.com Inc
    0.81%
    Part of fund(s):
    • Schwab Fundamental U.S. Large Company Index ETF
    • Schwab U.S. Large-Cap ETF
  • Johnson & Johnson
    0.76%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
  • Top 10 total 12.58%

Under the hood, you’ve built a stealth shrine to the usual mega-cap tech and growth royalty while pretending to be a factor nerd. NVIDIA, Apple, Alphabet (twice), Microsoft, Amazon, Broadcom — the gang’s all here, spread across multiple ETFs so it looks diversified at first glance. Overlap is measured only from ETF top-10s, so real duplication is definitely higher than what you see. This is the classic “I’m diversified” illusion: ten tickers, but the same handful of giants quietly running the show. Takeaway: if the usual mega-cap darlings sneeze, this portfolio will still catch a cold no matter how many ETFs you stack.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 90%
Size
Exposure to smaller companies
Neutral
Data availability: 90%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 90%
Quality
Preference for financially healthy companies
Neutral
Data availability: 90%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 100%

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-wise, you’ve created a Frankenstein that somehow walks in a straight line. High value tilt (68%) plus high low-volatility tilt (61%)… then slapped momentum ETFs on top. Factor exposure is basically the “ingredients label” of performance, and you’ve mixed “cheap and calmer” with “chase what’s been winning” in one bowl. That combo can work, but it’s philosophically messy — like being both a bargain hunter and an impulse buyer. The good news: most other factors sit around neutral, so the portfolio isn’t accidentally doing anything too weird beyond value and lower-vol. Takeaway: this is a deliberate factor salad, not a random accident.

Risk contribution Info

  • Avantis® U.S. Small Cap Value ETF
    Weight: 15.00%
    20.8%
  • Invesco S&P 500® Momentum ETF
    Weight: 15.00%
    16.1%
  • Schwab U.S. Large-Cap ETF
    Weight: 15.00%
    16.1%
  • Schwab Fundamental U.S. Large Company Index ETF
    Weight: 15.00%
    15.5%
  • Avantis® International Small Cap Value ETF
    Weight: 10.00%
    9.8%
  • Top 5 risk contribution 78.3%

Risk contribution reveals who’s actually driving the drama, and your small-cap value ETF is absolutely hogging the spotlight. At 15% weight but 20.8% of total risk, it’s the loud friend at the party. The three biggest positions together throw off about 53% of total portfolio risk, even though they’re only 45% of the weight. That’s normal-ish but still worth side-eyeing. Risk contribution is the “who’s shaking the boat” metric; it’s not always the biggest holding by dollars. Takeaway: trimming or downgrading the spiciest risk hogs could calm things a lot without changing the look of the portfolio much.

Redundant positions Info

  • Schwab Fundamental International Large Company Index ETF
    Schwab International Equity ETF
    High correlation

You’ve got a cute little redundancy issue with the two international Schwab ETFs that move almost in lockstep. The fundamental international large-cap and the plain international equity ETF are basically twins wearing slightly different outfits. High correlation just means they react the same way to market moves, so owning both doesn’t buy you much new behavior — it just complicates your lineup. When everything you hold in a category moves together, diversification is mostly cosmetic. Takeaway: if two funds are dancing the same choreography, you don’t need both on the stage unless you really like admin.

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 chart is where the roast hits hard: your current mix sits about 2.9 percentage points below the best possible return for its risk level using the same ingredients. Sharpe ratio 0.7 vs 1.24 for the optimal version is like driving a sports car in first gear — the engine is capable, you’re just not using it well. Reweighting these exact holdings could give you higher return and lower risk at the same time, which is the investing equivalent of finding free money under the couch. Takeaway: the parts are solid, but the assembly is objectively inefficient.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.80%
  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Schwab Fundamental Emerging Markets Large Company Index ETF 3.80%
  • Schwab Fundamental International Large Company Index ETF 3.00%
  • Schwab Fundamental U.S. Large Company Index ETF 1.60%
  • Invesco S&P International Developed Momentum ETF 3.60%
  • Schwab Emerging Markets Equity ETF 2.70%
  • Schwab International Equity ETF 3.10%
  • Schwab U.S. Large-Cap ETF 1.10%
  • Invesco S&P 500® Momentum ETF 0.80%
  • Weighted yield (per year) 1.68%

The overall yield at 1.68% is basically “thanks, I guess,” not a serious income engine. Some of the international and emerging factor funds bring 3–4% yields, but your big US core and momentum pieces drag that down hard. This is a portfolio that clearly prioritizes growth factors and capital appreciation over steady cash flow. Nothing wrong with that, but anyone dreaming of living off dividends here is going to end up back at work. Takeaway: this setup suits someone reinvesting income and thinking long-term, not someone who wants their portfolio to pay the monthly bills.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Schwab Fundamental Emerging Markets Large Company Index ETF 0.39%
  • Schwab Fundamental International Large Company Index ETF 0.25%
  • Schwab Fundamental U.S. Large Company Index ETF 0.25%
  • SPDR Gold Mini Shares 0.10%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Schwab Emerging Markets Equity ETF 0.11%
  • Schwab International Equity ETF 0.06%
  • Schwab U.S. Large-Cap ETF 0.03%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Weighted costs total (per year) 0.19%

Costs are almost suspiciously good for how fancy this tries to be. A 0.19% overall TER for a factor-heavy, multi-ETF circus is basically “you did not completely overpay for your cleverness.” The cheap Schwab core funds and that 0.03% US large-cap ETF are doing serious fee damage control against the pricier Avantis and fundamental products. TER is just the annual cut the funds take for existing — and here, they’re not exactly gouging you. Takeaway: you managed to play the smart-beta game without getting completely fleeced. Mild applause, with one eyebrow still raised.

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