This portfolio has only about 8 months 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 US heavy portfolio with strong recent gains and a clear tilt toward momentum

Report created on May 7, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is almost entirely in stocks, with a single broad US total-market mutual fund making up about two‑thirds of the value. The rest is split across focused ETFs: US large-cap, NASDAQ 100, semiconductors, and an international developed-market momentum fund, plus a tiny cash-like money market position. Structurally, this is a growth‑oriented, equity‑only mix with one clear core holding and several high‑octane satellites. That kind of structure matters because the core tends to drive day‑to‑day behavior, while the satellites add extra punch and extra swings. With only around eight months of data, the mix looks aggressive, but it’s important to remember that this is a very short window and may not reflect how it behaves over a full market cycle.

Growth Info

Over the roughly eight‑month period observed, $1,000 in this portfolio would have grown to about $1,183, implying an annualized growth rate (CAGR) over 200%. CAGR, or Compound Annual Growth Rate, is like the average speed on a road trip, smoothing the ride into one number. This figure is much higher than the US and global benchmarks over the same short span, and max drawdown stayed modest at about ‑6.7%. A drawdown is the peak‑to‑trough drop from a high. Four days accounted for 90% of gains, showing results were driven by a few big moves. Because the sample is only eight months, these standout returns look more like a lucky snapshot than a reliable long‑term pattern.

Projection Info

The forward projection uses Monte Carlo simulation, which basically re‑mixes past returns thousands of times to create many possible future paths. It then shows where a $1,000 investment might end up after 15 years, with a median outcome of about $2,823 and a wide possible range. This method helps illustrate uncertainty: it’s less a prediction and more a weather‑style forecast of conditions that could happen if the future rhymes with the past. Here, all simulations together suggest about 8.25% per year on average, and roughly three‑quarters of paths end positive. But because the inputs come from less than a year of history, these numbers are especially fragile and should be viewed as rough, not as a long‑term baseline.

Asset classes Info

  • Stocks
    100%

All of this portfolio is in stocks, with no bonds, real estate funds, or other asset classes in the mix. Being 100% in equities can boost long‑run growth potential, since stocks historically have offered higher expected returns than more defensive assets, but it typically comes with larger and more frequent swings. Asset class diversification — for example combining stocks with bonds or other diversifiers — usually helps smooth the ride by mixing things that do not move together. Here, the performance period is too short to fully see how “bumpy” that ride can become during deeper market stress, but the all‑equity structure suggests that, over a full cycle, the portfolio’s ups and downs would likely be more pronounced than a blended stock‑bond mix.

Sectors Info

  • Technology
    35%
  • Financials
    14%
  • Industrials
    10%
  • Telecommunications
    9%
  • Health Care
    8%
  • Consumer Discretionary
    7%
  • Consumer Staples
    5%
  • Energy
    3%
  • Utilities
    3%
  • Basic Materials
    3%
  • Real Estate
    2%
  • Consumer Discretionary
    2%

Sector‑wise, the portfolio leans heavily on technology at around 35%, with the rest spread across financials, industrials, telecom, health care, consumer areas, and smaller slices of energy, utilities, materials, and real estate. A tech‑heavy allocation often benefits when growth and innovation stories are in favor, but it can be more sensitive when interest rates rise or when investors rotate toward more defensive sectors. The dedicated semiconductor ETF adds an extra layer of concentration in one of the most cyclical parts of tech. Sector diversification helps cushion blows when one area stumbles. In this case, the portfolio still shows a decent spread, but tech clearly has an outsized influence, which can amplify both the good and bad stretches, especially over longer periods than the current eight‑month snapshot.

Regions Info

  • North America
    89%
  • Europe Developed
    6%
  • Japan
    2%
  • Asia Developed
    1%

Geographically, the portfolio is strongly anchored in North America, with about 89% exposure, and relatively small positions in developed Europe, Japan, and other developed Asia. This US‑heavy stance is common for investors based in the United States and has worked well in recent years as US markets have often outperformed. However, it also ties most of the outcomes to one region’s economy, currency, and policy environment. Global benchmarks usually allocate more to the rest of the world, so this portfolio is more concentrated than a typical global index. Over just eight months, that concentration may look favorable or neutral, but over longer horizons it can mean that local shocks — like US‑specific recessions or policy changes — will have a particularly strong effect on the portfolio.

Market capitalization Info

  • Mega-cap
    44%
  • Large-cap
    33%
  • Mid-cap
    16%
  • Small-cap
    4%
  • Micro-cap
    2%

By market capitalization, there is a strong tilt toward mega‑cap and large‑cap companies, which together make up more than three‑quarters of the portfolio, with smaller allocations to mid‑, small‑, and micro‑caps. Market cap describes a company’s size on the stock market, and larger firms often bring more stability but slightly lower growth potential than smaller, more volatile names. This large‑cap bias is broadly aligned with many major indices and helps anchor the portfolio in well‑established businesses. The presence of some smaller companies through the total market fund adds a growth and volatility kicker in the background. With less than a year of returns, it’s hard to see the full small‑cap cycle, but structurally the size mix looks relatively mainstream, just modestly tilted to giants.

True holdings Info

  • NVIDIA Corporation
    2.26%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • VanEck Semiconductor ETF
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    0.96%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • VanEck Semiconductor ETF
    • Vanguard S&P 500 ETF
  • Apple Inc
    0.92%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Taiwan Semiconductor Manufacturing
    0.74%
    Part of fund(s):
    • VanEck Semiconductor ETF
  • Microsoft Corporation
    0.69%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    0.57%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Intel Corporation
    0.52%
    Part of fund(s):
    • VanEck Semiconductor ETF
  • HSBC Holdings PLC
    0.48%
    Part of fund(s):
    • Invesco S&P International Developed Momentum ETF
  • Alphabet Inc Class A
    0.46%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Advanced Micro Devices Inc
    0.44%
    Part of fund(s):
    • VanEck Semiconductor ETF
  • Top 10 total 8.04%

Looking through to the underlying holdings, the limited top‑10 data shows recurring names like NVIDIA, Broadcom, Apple, Microsoft, Amazon, Alphabet, and several semiconductor stocks. Overlap occurs when the same company appears in multiple funds, creating more exposure than the surface weights suggest. For example, semiconductor names show up both in the dedicated semiconductor ETF and in broad market or NASDAQ‑style funds, leading to hidden clustering in that theme. Because only the top‑10 positions of each ETF are captured, this overlap is likely understated and the true concentration could be higher. This matters because shocks to a few mega‑cap tech or chip companies could ripple more strongly through the portfolio than the headline fund list alone would indicate, especially over time.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 6%
Size
Exposure to smaller companies
Very low
Data availability: 31%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 17%
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
Neutral
Data availability: 31%

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.

The factor profile shows a very low exposure to the Size factor and a high exposure to Momentum, with low exposure to Value and Yield and roughly neutral Low Volatility. Factors are like investing “ingredients” — characteristics such as cheapness (value), recent winners (momentum), or size that academic research links to returns. A strong momentum tilt typically does well when trends persist but can hurt when markets suddenly reverse, as winners become losers. The very low Size exposure reflects the heavy lean toward larger companies, so the portfolio behaves more like big‑stock benchmarks than small‑cap markets. With only about eight months of data, these tilts are best read as a snapshot, but they still hint that the portfolio favors recent winners among larger, less value‑oriented stocks.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund Admiral Shares
    Weight: 68.24%
    53.0%
  • VanEck Semiconductor ETF
    Weight: 7.02%
    21.2%
  • Invesco S&P International Developed Momentum ETF
    Weight: 10.92%
    14.5%
  • Vanguard S&P 500 ETF
    Weight: 7.64%
    6.0%
  • Invesco NASDAQ 100 ETF
    Weight: 5.89%
    5.4%
  • Top 5 risk contribution 100.0%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. Here, the broad US total market fund is 68% of assets but about 53% of total risk, acting as a relatively stable anchor. In contrast, the semiconductor ETF is only about 7% of the weight yet contributes more than 21% of the risk, with a risk‑to‑weight ratio over 3. That’s like a small instrument playing very loudly in the orchestra. The international momentum ETF also contributes more risk than its size alone would suggest. The top three holdings together account for nearly 89% of portfolio risk, which indicates that, in stressful periods, these core pieces will largely dictate the experience, especially beyond the limited eight‑month view.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund Admiral Shares
    Invesco NASDAQ 100 ETF
    Vanguard S&P 500 ETF
    High correlation

Asset correlation measures how often holdings move in the same direction, from ‑1 (perfect opposites) to +1 (almost identical). In this portfolio, the NASDAQ 100 ETF, the S&P 500 ETF, and the total US market fund are highly correlated, meaning they tend to rise and fall together. That’s not surprising, as they all track overlapping slices of the US equity market. High correlation is useful to understand because it limits diversification during downturns: when one of these broad US funds struggles, the others are likely to be under pressure too. In calmer, short periods like the eight months observed here, that can look harmless, but during deeper bear markets it means several large positions could be moving in tandem rather than offsetting each other.

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 this portfolio to an efficient frontier built from the same holdings. The frontier shows the best expected return for each risk level, and the Sharpe ratio summarizes risk‑adjusted performance — higher Sharpe means more return per unit of volatility. Currently, the portfolio’s Sharpe of about 3.9 sits below the frontier, which suggests that, based on recent data, different weightings of these same funds could have delivered better risk‑adjusted results at this volatility. The “optimal” mix on the chart has a higher Sharpe and higher return, but also higher risk. Because the historical window is less than a year, these optimization numbers are particularly unstable, so they’re best viewed as a mathematical illustration rather than a durable long‑term signal.

Dividends Info

  • Invesco S&P International Developed Momentum ETF 3.50%
  • Invesco NASDAQ 100 ETF 0.40%
  • VanEck Semiconductor ETF 0.20%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total Stock Market Index Fund Admiral Shares 1.00%
  • Fidelity® Government Money Market Fund 2.30%
  • Weighted yield (per year) 1.19%

The portfolio’s overall dividend yield is about 1.19%, combining modest payouts from the large US index funds and NASDAQ exposure, a somewhat higher yield from the international momentum ETF, and a small contribution from the money market fund. Dividend yield is the annual cash payment as a percentage of the investment, like interest on a savings account, though it can fluctuate with profits and prices. Here, income is not the main driver; the focus is clearly on capital growth. Over an extended period, reinvested dividends can materially boost total returns, even when yields start low. With less than a year of history, it’s too early to see a strong income pattern, but structurally this portfolio behaves more like a growth‑tilted, low‑yield equity basket.

Ongoing product costs Info

  • Invesco S&P International Developed Momentum ETF 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • VanEck Semiconductor ETF 0.35%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund Admiral Shares 0.04%
  • Weighted costs total (per year) 0.09%

The weighted total expense ratio (TER) of this portfolio is about 0.09%, which is impressively low given the range of funds used. TER is the annual fee charged by a fund, expressed as a percentage of assets — like a small ongoing service charge. Most holdings here are broad, low‑cost index funds and ETFs, with the more specialized semiconductor and international momentum ETFs still reasonably priced. Low costs are a structural advantage because they leave more of any future returns in the investor’s pocket, and the benefit compounds over time. While the historical window is short and market movements dominate results in the near term, these slim fees help provide a solid foundation for longer horizons, independent of short‑term performance noise.

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