This portfolio has only about 1.7 years 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.

Growth focused portfolio mixing broad US stocks with concentrated crypto and technology exposure

Report created on Apr 19, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is built from five holdings, with roughly 69% in stock ETFs and 31% in crypto trusts. The largest position is a broad S&P 500 ETF at about 38%, alongside total US market and Nasdaq-100 style exposure. Two single-asset crypto trusts in bitcoin and ethereum together form nearly a third of the portfolio. This mix means the core engine is diversified US equity, but overall behaviour is strongly influenced by the crypto slice and the growth‑heavy tech exposure. With only about 1.7 years of data, it’s hard to call this a long-term pattern, but the structure clearly leans toward higher growth potential and higher short-term swings rather than steadier, income-focused investing.

Growth Info

Over the 1.7‑year window, $1,000 grew to about $1,173, for a compound annual growth rate (CAGR) of 9.73%. CAGR is the “smoothed” yearly return, like calculating average speed over a trip. Over the same period, US and global market benchmarks grew faster, at roughly 15–18% per year. The portfolio also saw a deeper max drawdown of about –27%, compared with –17% to –19% for the benchmarks, taking around four months to fall and three to recover. Only four days made up 90% of returns, underscoring how lumpy results have been. With such a short history, these numbers show recent behaviour, not a reliable long-term track record.

Projection Info

The Monte Carlo projection uses the limited recent history to simulate 1,000 alternate 15‑year paths for a $1,000 investment. Monte Carlo is basically a “what if” engine: it scrambles past ups and downs in different orders to show a range of possible futures. The median outcome lands around $2,623, with a wide “likely” band from roughly $1,478 to $4,944. The very broad possible range ($610 to $12,736) reflects the mix of mainstream stocks and highly volatile crypto. Because the input history is only about 1.7 years, all these figures should be seen as rough illustrations of risk and variability, not precise forecasts of what will happen.

Asset classes Info

  • Stocks
    69%
  • Crypto
    31%

By asset class, around 69% sits in equities and 31% in crypto. That’s a much larger crypto slice than typical diversified stock‑bond portfolios or broad market indices, which often have minimal or no direct crypto exposure. Equities are already considered growth assets, meaning they can rise strongly over time but fluctuate in the short run. Adding a third of the portfolio in crypto layers on another, more volatile growth component. This setup can amplify both gains and losses over short periods. With less than two years of history, the exact long‑term impact is unclear, but the structure suggests that overall returns will be strongly tied to how crypto assets behave.

Sectors Info

  • Technology
    25%
  • Telecommunications
    8%
  • Consumer Discretionary
    7%
  • Financials
    7%
  • Health Care
    6%
  • Industrials
    5%
  • Consumer Staples
    4%
  • Energy
    2%
  • Utilities
    2%
  • Basic Materials
    1%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Looking only at the stock portion, the sector mix is led by technology at 25%, with smaller slices across telecom, consumer, financials, health care, and other areas. That tech tilt is somewhat heavier than many broad equity benchmarks, which already have significant technology exposure. Tech‑heavy line‑ups often perform well in periods of innovation and low interest rates, but can be more sensitive when rates rise or when growth stocks fall out of favour. Because the crypto holdings are not part of this sector view, the true growth orientation is even stronger than the sector chart alone suggests. The equity sector spread itself is fairly balanced, which helps diversify business‑specific risks.

Regions Info

  • North America
    69%

This breakdown covers the equity portion of your portfolio only.

Geographically, the equity side is almost entirely concentrated in North America at 69%. That lines up with the fact that all three stock ETFs focus on the US market. This is common in many portfolios, since the US makes up a large share of global market value and offers deep, liquid markets. Being aligned with a major market like this is often seen as a strength. At the same time, it means the equity component is heavily tied to one economy, currency, and regulatory environment. The crypto positions add a different dimension, but they’re not tied to specific countries in the same way stocks are. With only recent data, it’s hard to judge how this concentration will behave across full economic cycles.

Market capitalization Info

  • Mega-cap
    32%
  • Large-cap
    24%
  • Mid-cap
    12%
  • Small-cap
    1%

This breakdown covers the equity portion of your portfolio only.

By market capitalization, the portfolio leans toward mega‑caps (32%) and large‑caps (24%), with smaller slices of mid‑caps and a very small allocation to small‑caps. Market cap is just the total value of a company’s shares, and larger firms tend to be more established and somewhat more stable than very small ones. This pattern is similar to broad index funds that weight by company size, so it aligns well with common benchmark structures. The presence of mega‑cap and large‑cap leaders also explains the overlap in familiar names across the ETFs. This tilt means that stock returns are largely driven by the biggest, most influential companies, with less influence from smaller, more niche firms.

True holdings Info

  • Grayscale Bitcoin Mini Trust (BTC)
    16.35%
    Part of fund(s):
    • iShares Bitcoin Trust
  • NVIDIA Corporation
    5.25%
    Part of fund(s):
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    4.59%
    Part of fund(s):
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    3.41%
    Part of fund(s):
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    2.65%
    Part of fund(s):
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    2.11%
    Part of fund(s):
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    1.90%
    Part of fund(s):
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    1.76%
    Part of fund(s):
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    1.72%
    Part of fund(s):
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    1.49%
    Part of fund(s):
    • Invesco QQQ Trust
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 41.23%

This breakdown covers the equity portion of your portfolio only.

The look‑through view shows that bitcoin itself is the single largest underlying exposure when considering the crypto trust, at about 16%. Among equities, the biggest individual names are NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, and Tesla, each appearing across multiple ETFs. This overlap creates hidden concentration: even though there are three different stock ETFs, they share many of the same top holdings. The data only covers ETF top 10s, so overlap is likely understated. This means that real‑world behaviour is more tied to a relatively small group of mega‑cap growth names than the number of line items suggests, an important nuance when thinking about diversification and risk.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 15%
Size
Exposure to smaller companies
Very low
Data availability: 69%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 15%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
Low
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 69%

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.

On factors, the portfolio shows very low exposure to the size factor and high exposure to momentum and low volatility. Factors are like underlying “traits” of investments that research links to returns, such as cheapness (value) or recent performance (momentum). Very low size exposure confirms the tilt away from smaller companies toward bigger ones. High momentum means holdings have tended to be recent winners, which can help in trending markets but may hurt more if leadership rotates suddenly. Interestingly, the low‑volatility factor is also high, reflecting that the large‑cap equity core is relatively stable compared with individual small caps. Crypto, however, can dominate actual volatility, so the real‑world ride may feel bumpier than the factor profile suggests.

Risk contribution Info

  • iShares Ethereum Trust ETF
    Weight: 14.42%
    35.9%
  • iShares Bitcoin Trust
    Weight: 16.35%
    25.7%
  • Vanguard S&P 500 ETF
    Weight: 38.47%
    19.8%
  • Invesco QQQ Trust
    Weight: 15.38%
    10.4%
  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 15.38%
    8.3%

Risk contribution shows how much each holding drives overall ups and downs, which can differ a lot from its weight. Here, the ethereum trust is only about 14% of the portfolio but contributes roughly 36% of total risk, more than double its size. The bitcoin trust at 16% weight adds around 26% of risk. Together, these two crypto positions plus the S&P 500 ETF account for just over 81% of portfolio risk. This pattern is typical when a smaller but very volatile asset sits alongside steadier core holdings. Even though broad stock ETFs dominate by weight, day‑to‑day swings are heavily influenced by crypto moves, especially during sharp market stress or crypto‑specific events.

Redundant positions Info

  • Invesco QQQ Trust
    Vanguard Total Stock Market Index Fund ETF Shares
    Vanguard S&P 500 ETF
    High correlation

The correlation data shows that the three equity ETFs — S&P 500, Nasdaq‑style, and total US market — move very closely together. Correlation measures how often things move in the same direction; when it’s high, assets tend to rise and fall together, limiting diversification. In practice, this means that, despite having three different equity funds, they behave similarly during market swings. The key diversification in this portfolio therefore comes less from mixing different stock funds and more from combining equities with crypto, which can sometimes move differently but can also be highly volatile in its own right. With only 1.7 years of history, correlations may shift in future market regimes.

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 risk vs. return chart compares the current mix with an “efficient frontier” built from the same holdings. The current portfolio shows a Sharpe ratio of 0.42, while the optimal and minimum variance portfolios both have a Sharpe of 0.88 with lower risk. The Sharpe ratio is a simple measure of return per unit of risk, using the risk‑free rate as a baseline. Being 3.61 percentage points below the frontier at the current risk level means the existing weights have taken on more volatility than needed for the return achieved, based on recent data. Reweighting these same holdings could, in theory, improve that balance, though this conclusion is limited by the short history underpinning the calculations.

Dividends Info

  • Invesco QQQ Trust 0.40%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Weighted yield (per year) 0.65%

Dividend yield for the overall portfolio is modest at about 0.65%, coming mainly from the broad US equity ETFs at roughly 1.1% and a lower yield from the Nasdaq‑tilted fund. Dividend yield is the cash payout from holdings as a percentage of their price, and it forms one part of total return alongside price movements. Crypto positions do not pay dividends, which pulls the total yield down when they make up nearly a third of the portfolio. This structure is very growth‑oriented: most of the return potential is expected to come from price changes rather than ongoing income. With less than two years of data, yield levels look fairly typical for US growth‑tilted equity plus non‑yielding crypto.

Ongoing product costs Info

  • iShares Bitcoin Trust 0.12%
  • Invesco QQQ Trust 0.20%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • iShares Ethereum Trust ETF 0.25%
  • Weighted costs total (per year) 0.10%

The portfolio’s costs are impressively low, with a weighted total expense ratio (TER) around 0.10%. TER is the annual fee charged by each fund, expressed as a percentage of the invested amount — like a small service charge that’s quietly deducted each year. The broad Vanguard stock ETFs are especially cheap at 0.03%, while the crypto trusts are somewhat higher but still moderate for their category. Keeping costs down is one of the few things fully under an investor’s control, and low fees leave more of any gross return in the portfolio. Over long periods, even small differences in TER can compound meaningfully, so this cost structure is a solid foundation.

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