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A high-octane momentum ride with a narrow safety net and a dash of global spice

Report created on Aug 2, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

At first glance, this portfolio screams "momentum or bust," with half of its weight in a single ETF. It's like betting half your salary on a horse because it looked fast in the last race. The diversification here is like a diet consisting solely of different types of potatoes — technically varied, but fundamentally the same. The heavy emphasis on momentum ETFs across various regions and market caps, paired with a sprinkle of value and emerging markets, suggests an attempt at diversification that's about as effective as a chocolate teapot.

Growth Info

With a historical CAGR of 18.81%, this portfolio might seem like it's on steroids at first glance. But let's remember, past performance is like an ex-partner's Facebook profile — it only shows you the highlights. The -33.67% max drawdown is a stark reminder that high returns come with the risk of dramatic falls. It's the financial equivalent of a roller coaster that's exhilarating on the way up but terrifying on the descent. Days contributing 90% of returns being so few suggests this ride's highs are thrilling but rare — not for the faint-hearted.

Projection Info

The Monte Carlo simulation, a fancy way of saying "educated guessing game," shows a wide range of outcomes, with a median increase of 594.3%. This suggests that if luck is on your side, you could be swimming in returns. However, the 5th percentile at a mere 87.6% hints at a potential reality check. It's a reminder that relying on past momentum is like expecting lightning to strike the same place repeatedly — possible, but not a plan.

Asset classes Info

  • Stocks
    100%

Sticking to stocks like glue and ignoring other asset classes entirely is a bold strategy, akin to wearing shorts year-round. Sure, it works great in the summer (bull markets), but winter (bear markets) is going to be a harsh reality. A 100% allocation to stocks with zero in bonds or other stabilizing assets is like going all-in on every poker hand — thrilling, but eventually, you'll meet a hand that calls your bluff.

Sectors Info

  • Financials
    26%
  • Technology
    17%
  • Industrials
    14%
  • Consumer Discretionary
    13%
  • Telecommunications
    9%
  • Consumer Staples
    7%
  • Energy
    4%
  • Health Care
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    1%

The sector allocation reads like a who's who of the stock market, with a heavy lean towards financial services and technology. This is akin to loading up on caffeine and sugar for an energy boost — effective in the short term but questionable for sustained health. The underweight in healthcare and utilities, traditionally more stable sectors, further amplifies the portfolio's thrill-seeker vibe.

Regions Info

  • North America
    74%
  • Europe Developed
    12%
  • Asia Emerging
    4%
  • Asia Developed
    4%
  • Japan
    3%
  • Australasia
    2%
  • Latin America
    1%
  • Africa/Middle East
    1%

With 74% in North America and a timid toe-dip into emerging and developed markets, this portfolio suffers from home bias with a side of wanderlust. It's like claiming to be a world traveler because you once flew over another country. Expanding beyond familiar territories could reduce risk and potentially uncover overlooked opportunities.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    25%
  • Mid-cap
    16%
  • Small-cap
    11%
  • Micro-cap
    5%

The cap-weighted approach, favoring mega and big caps, is like always picking the biggest slice of pizza — generally satisfying but sometimes you miss out on the flavors of the smaller slices. The modest allocation to small and micro caps adds a bit of spice but not enough to significantly alter the taste.

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 Efficient Frontier, this portfolio would likely be off doing its own thing, far from the "optimal" blend of risk and return. It's the financial equivalent of a lone wolf — potentially rewarding but lacking in companionship from bonds or alternative assets for balance. The thrill of the chase might be exhilarating, but the lack of a safety net could make for a rough landing.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.80%
  • Avantis® Emerging Markets Equity ETF 2.90%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Invesco S&P International Developed Momentum ETF 2.00%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Invesco S&P MidCap Momentum ETF 0.70%
  • Weighted yield (per year) 1.30%

The dividend yield strategy here is like expecting a trickle from a faucet to fill a swimming pool. With the total yield at a modest 1.30%, it's clear that income generation is not the priority. This portfolio is playing the capital appreciation game, dividends are merely a consolation prize.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® Emerging Markets Equity ETF 0.33%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.21%

The Total Expense Ratio (TER) averaging at 0.21% is one of the few commendable aspects, akin to finding a reasonably priced drink at a high-end bar. It's a reminder that while the portfolio's strategy may be high-flying, at least it's not burning cash on fees unnecessarily.

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