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A surprisingly smart growth portfolio cosplaying as a mild risk-taker while secretly loving factor drama

Report created on Jan 5, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This setup looks like someone said “total market” then got bored and started speed-running a factor investing blog. The core is a boringly sensible broad US fund, but everything else screams “small cap value and momentum are my personality now.” You’ve basically stacked quality, momentum, and small value on top of each other like financial Jenga. Against a plain vanilla global index, this is way more tilted and way less neutral than it pretends to be. If clarity is the goal, simplify the overlapping factor funds, decide which tilts actually matter, and keep a clear core vs. satellite structure instead of turning everything into a “satellite with feelings.”

Growth Info

A historical CAGR of 16.74% is the type of number that makes people think they’re investing geniuses, not just riding a good cycle. CAGR (Compound Annual Growth Rate) is basically your average speed on a long road trip, but it hides the potholes. A max drawdown of –35.82% means the portfolio happily dropped a third of its value at some point, so the ride was not calm. Needing only 21 days to generate 90% of returns screams “blink and you miss it.” Compared with typical equity benchmarks, that return is hot, but don’t assume the past decade’s party repeats. Treat that number as “nice story,” not “promised destiny.”

Projection Info

The Monte Carlo results are hilariously optimistic at first glance: median outcome of +573.7% and an average simulated return around 17.05%. Monte Carlo is basically a big nerdy dice roll that runs thousands of what-if worlds using historical-like behavior, but it still recycles past patterns. The 5th percentile ending at +67.5% is the quiet warning label: the bad timelines still exist, and they’re not fun. Simulations are like weather apps: good for planning, terrible for guarantees. Instead of fixating on the median jackpot, focus on whether the downside paths are survivable — emotionally and financially — and consider dialing in a version of this that wouldn’t blow up your sleep during an ugly decade.

Asset classes Info

  • Stocks
    100%

Asset classes here are…nonexistent in the plural. You’re 100% in stocks, 0% bonds, 0% cash, 0% anything else. That’s not “growth-tilted”; that’s “I don’t believe in brakes.” For someone in pure accumulation mode with decades ahead, this isn’t insane, but it’s still a single-gear bike heading into an unknown hill. When all you hold is equity, every crash is a full-body experience. Past performance of all-stock portfolios looks heroic until you hit a lost decade. If capital preservation, withdrawals, or big upcoming expenses might matter, introducing even a small slice of lower-volatility assets could keep future you from rage-checking the portfolio during bear markets.

Sectors Info

  • Technology
    24%
  • Financials
    22%
  • Industrials
    13%
  • Consumer Discretionary
    10%
  • Telecommunications
    7%
  • Energy
    6%
  • Health Care
    5%
  • Basic Materials
    5%
  • Consumer Staples
    4%
  • Utilities
    2%
  • Real Estate
    1%

Sector-wise, this thing is basically “Tech and Finance lead, everyone else tries not to die.” With 24% in Technology and 22% in Financial Services, it’s leaning hard into two sectors that can absolutely fly and absolutely faceplant. The rest—industrials, cyclicals, energy, materials—gives it a gritty, economically sensitive flavor. This isn’t a soft, defensive mix; it’s tied directly to the business cycle. Compared to broad indexes, the tech weight is high but not insane; the big tell is the relatively tiny Healthcare and Consumer Defensive stakes. If resilience matters, consider nudging up more boring, recession-friendly sectors instead of tripling down on things that all wobble when growth sentiment sours.

Regions Info

  • North America
    74%
  • Europe Developed
    15%
  • Japan
    6%
  • Australasia
    2%
  • Asia Developed
    2%
  • Africa/Middle East
    1%

Geographically, this is very “America first and maybe a bit of everyone else if there’s room.” North America at 74% is a love letter to the US (and a small crush on Canada at 5%). Europe Developed at 15% and Japan at 6% are the support cast, while emerging markets are basically ghosted. For a US-based investor, home bias is normal, but this is near “I only invest where the NFL exists.” Global indexes usually give more to non-US and especially emerging markets. If long-term diversification is the goal, consider creeping more into regions that don’t move in perfect sync with US headlines, and not just the comfortable developed ones.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    27%
  • Mid-cap
    18%
  • Small-cap
    12%
  • Micro-cap
    9%

Market cap allocation is where the closet daredevil shows up: 34% mega, 27% big, then a chunky 18% mid, 12% small, 9% micro. That’s a lot of love for the “please be the next big thing” part of the market. Compared to a typical global index, which is dominated by mega and large caps, this is clearly tilting down the size spectrum. Small and micro caps can outperform long term but also bleed painfully in recessions and liquidity panics. If the idea is to keep the size premium tilt, fine, but maybe shave off a bit of the extreme small and micro exposure so the portfolio doesn’t turn into a high-volatility science experiment.

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.

Risk vs. return here is aggressive but not totally unhinged. You’ve basically aimed for the higher end of the Efficient Frontier — that’s the nerdy curve showing the best trade-off between risk and return — but with more style factors layered in than most humans need. The 16–17% historical and simulated returns look amazing on paper, but are riding on serious volatility and a –35.82% drawdown history. This is not trying to “smooth the ride”; it’s trying to “win the race.” If the actual human behind this can’t emotionally handle multi-year drawdowns or sharp crashes, dialing slightly closer to the boring center of that frontier would be wiser than discovering their risk tolerance in real time.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.00%
  • Avantis® U.S. Small Cap Value ETF 1.60%
  • Franklin FTSE Canada ETF 1.80%
  • Invesco S&P International Developed Momentum ETF 3.70%
  • Schwab U.S. Broad Market ETF 1.10%
  • Schwab International Equity ETF 3.40%
  • Invesco S&P 500® Momentum ETF 0.70%
  • iShares MSCI USA Quality GARP ETF 0.30%
  • Weighted yield (per year) 1.71%

A total yield of 1.71% is firmly in “growth investor doesn’t care about cash today” territory. This isn’t a portfolio built for income; it’s built for price appreciation and vibes. Dividends can be useful as a natural withdrawal source in retirement or as a psychological cushion during downturns, but chasing high yield often drags down growth. Here, yield is a side effect of the holdings, not a design feature, which is fine as long as no one is pretending this will pay the bills anytime soon. If eventual income matters, a slow shift over time toward slightly higher-yielding but still diversified equity or a mix of income-focused assets could make sense later, not necessarily now.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Franklin FTSE Canada ETF 0.09%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Schwab U.S. Broad Market ETF 0.03%
  • Schwab International Equity ETF 0.06%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Weighted costs total (per year) 0.13%

Costs are probably the most well-behaved part of this thing. A total TER of 0.13% is impressively low for a portfolio that’s playing with factors, small caps, and international tilts. The priciest bits are the Avantis funds at 0.25–0.36%, but that’s still modest compared to many active or factor products. It’s almost suspiciously sensible: you loaded up on spicy exposures but somehow didn’t fall into the “1% fee because it sounds smart” trap. Just keep an eye on whether the more expensive factor stuff is actually pulling its weight versus a simpler, cheaper mix. Paying up slightly is okay; paying for fancy labels that don’t deliver is not.

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