Balanced global equity portfolio with strong diversification and modest momentum and crypto spice
Report created on Apr 8, 2026Risk 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
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SP State Street® SPDR® Portfolio S&P 500® ETF
SPYM - US78464A8541 43.23% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 28.50% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 23.27% -
FB Fidelity Wise Origin Bitcoin Trust
FBTC - US3159481098 5.00%
The portfolio is built almost entirely from three broad stock ETFs plus a small crypto slice. Roughly 43% sits in a core US equity fund, around 29% in a total international fund, about 23% in a US momentum strategy, and 5% in a bitcoin trust. This structure gives a solid base of global stocks, with an extra tilt toward trend-following US names and a high-risk kicker from bitcoin. That mix fits a “balanced but growth-focused” profile. The big positive is simplicity: a few diversified funds are easier to monitor and maintain. The main thing to watch is that even with multiple funds, most of the risk still lives in equities and crypto, so it can swing meaningfully during rough markets.
Growth
Over the period shown, $1,000 grew to about $1,503, giving a compound annual growth rate (CAGR) of 20.2%. CAGR is like your average speed on a road trip, smoothing out bumps along the way. That beats both the US market and global market by about 3 percentage points a year, which is a strong result. The max drawdown of -17.3% was slightly milder than the US benchmark and close to the global benchmark, meaning the portfolio fell hard but not unusually so. Only 14 days made up 90% of returns, underscoring how missing a few strong days can really hurt outcomes. Past returns are impressive but not guaranteed to repeat, especially given the short history.
Projection
The Monte Carlo projection models many possible 15-year paths using the past as a rough guide. Think of it as running the same movie 1,000 times with slightly different plot twists. The median outcome grows $1,000 to about $2,244, or roughly 6.35% per year, with a “typical” range of about $1,625 to $3,266. The wide full range ($954 to $5,309) highlights just how uncertain long-term outcomes are. About two-thirds of simulations end positive, which is encouraging but far from guaranteed. Importantly, these simulations rely on historical patterns that may not repeat, especially for newer or more volatile exposures like bitcoin. The key takeaway: the long-term odds lean in your favor, but the journey could be bumpy and outcomes can vary a lot.
Asset classes
- Stocks 52%
- No data 43%
- Crypto 5%
By classification, about 52% is clearly in stocks, 5% in crypto, and 43% sits in the “no data” bucket, which mostly reflects missing classification data rather than actual cash or unknown assets. So in practice this is overwhelmingly an equity-plus-crypto portfolio, not a classic stock/bond mix. That lines up with a growth bias and explains the higher swings you might see. For a balanced risk rating, it’s helpful to remember that diversification here is mostly across different types of stocks, not across fundamentally different asset classes like bonds or cash. The main implication is that drawdowns may be sharper than a traditional 60/40-style portfolio, even though the diversification score is high within equities.
Sectors
- Technology 15%
- Industrials 8%
- Financials 8%
- Health Care 4%
- Telecommunications 3%
- Consumer Discretionary 3%
- Basic Materials 3%
- Consumer Staples 3%
- Energy 2%
- Utilities 1%
- Real Estate 1%
This breakdown covers the equity portion of your portfolio only.
Sector-wise, the portfolio leans most toward technology at 15%, with meaningful exposure to industrials and financials at 8% each, and smaller slices across health care, telecom, consumer areas, materials, energy, utilities, and real estate. That spread indicates broad economic coverage, which is a positive alignment with diversified benchmarks. The tech tilt, combined with the momentum ETF and big look-through positions like NVIDIA and Microsoft, means the portfolio is likely to be more sensitive to shifts in growth expectations and interest rates. When growth and tech are in favor, this can boost returns. In periods when markets rotate toward more defensive or income-heavy sectors, the ride might feel rougher than a more evenly balanced portfolio.
Regions
- North America 26%
- Europe Developed 10%
- Japan 4%
- Asia Developed 4%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, around 26% is in North America, with additional allocations to developed Europe, Japan, other developed Asia, and a spread across emerging regions like Asia, Latin America, and Africa/Middle East. That global reach is a real strength and lines up well with the idea of owning “the world” rather than betting on a single region. Compared with a purely domestic portfolio, this can reduce the impact of any one country’s economic slowdown or policy shock. At the same time, foreign markets introduce currency moves and local risks, so returns won’t always track the US market. Over the long run, this kind of international diversification has often smoothed results and broadened opportunity, even if particular regions lag at times.
Market capitalization
- Mega-cap 21%
- Large-cap 21%
- Mid-cap 7%
- Small-cap 1%
This breakdown covers the equity portion of your portfolio only.
The market-cap breakdown is dominated by mega-cap and large-cap stocks, together making up about 42%, with modest mid-cap and very limited small-cap exposure. Larger companies tend to be more established, with deeper markets and more analyst coverage, which can mean slightly lower volatility and more stability during shocks. The trade-off is less exposure to the sometimes faster growth and higher risk of smaller companies. This structure is consistent with broad index investing and mirrors common benchmarks well, which is a positive sign of sensible construction. The main implication is that performance will be heavily driven by how the biggest global companies do, especially those already prominent in major indices and in the portfolio’s look-through top holdings.
True holdings
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NV NVIDIA Corporation 5.33%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
AA Apple Inc 2.87%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
AV Broadcom Inc 2.74%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
GO Alphabet Inc Class A 2.47%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
MS Microsoft Corporation 2.14%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
GO Alphabet Inc Class C 1.97%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
AM Amazon.com Inc 1.50%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
JN Johnson & Johnson 1.27%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
MU Micron Technology Inc 1.23%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
ME Meta Platforms Inc. 1.04%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
- Top 10 total 22.56%
Looking through the ETFs, the biggest underlying exposures cluster in large US growth names like NVIDIA, Apple, Broadcom, Alphabet, Microsoft, and Amazon. Several of these appear via more than one ETF, which creates “hidden” concentration: it looks diversified at the fund level, but the same giants show up repeatedly underneath. NVIDIA stands out at over 5% total exposure, meaning its moves can noticeably sway the portfolio. This overlap is partly by design in modern index investing, but it does mean the portfolio is more tied to a handful of mega-cap growth stocks than the top-level fund list suggests. Being aware of this helps set realistic expectations around volatility and drawdowns if those names stumble.
Factors
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 exposure is almost perfectly balanced across value, size, momentum, quality, yield, and low volatility, all sitting in a neutral, market-like range. Factors are basically the “personality traits” of stocks — like cheapness (value), recent performance (momentum), or stability (low volatility) — that research links to returns. Despite holding a dedicated momentum ETF, the overall portfolio doesn’t show a strong factor tilt once everything is blended together. That neutral profile means it should behave similarly to broad global markets rather than swinging heavily with any single style. This is a quiet but meaningful strength: it reduces the risk of being overly exposed to one investing fashion that might go out of favor for years at a time.
Risk contribution
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State Street® SPDR® Portfolio S&P 500® ETF
Weight: 43.23% 41.0% -
Invesco S&P 500® Momentum ETF
Weight: 23.27% 28.0% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 28.50% 22.5% -
Fidelity Wise Origin Bitcoin Trust
Weight: 5.00% 8.5%
Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ from its weight. The core US ETF is 43% of the portfolio and contributes about 41% of total risk, so its impact is pretty proportional. The momentum ETF is 23% by weight but nearly 28% of risk, reflecting higher volatility in those faster-moving names. Bitcoin is only 5% but adds over 8% of risk, a clear sign of its punch. The international fund is slightly underweight on risk relative to its size, acting as a modest stabilizer. Overall, the top three holdings drive over 90% of total risk, meaning tweaks to these weights would have the biggest impact on how bumpy the ride feels.
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 analysis shows your current mix has a Sharpe ratio of 1.01, while the best risk-adjusted portfolio using the same holdings reaches about 1.32. The Sharpe ratio measures return per unit of risk, similar to how many miles you get per gallon of gas. Your portfolio is also about 1.87 percentage points below the frontier at its current risk level, meaning the same overall volatility could potentially support higher expected return just by reweighting. Interestingly, both the max-Sharpe and minimum-variance portfolios still offer solid expected returns with different levels of risk. The takeaway: the building blocks are strong, but there’s room to fine-tune weights among the three ETFs and bitcoin to squeeze more efficiency from the existing components.
Dividends
- Invesco S&P 500® Momentum ETF 0.90%
- Vanguard Total International Stock Index Fund ETF Shares 2.90%
- State Street® SPDR® Portfolio S&P 500® ETF 1.10%
- Weighted yield (per year) 1.51%
The portfolio’s total yield sits around 1.51%, with the international ETF contributing the highest yield at about 2.9%, and the US ETFs paying between roughly 0.9% and 1.1%. Dividend yield is the annual cash payout as a percentage of price, and it can be an important part of total return over long periods, especially when reinvested. Here, the focus is clearly on growth rather than income, which suits investors who don’t rely on regular payouts. The upside is that low-yielding companies often reinvest more back into their businesses, potentially supporting capital growth. The trade-off is less built-in cushion from dividends if share prices stagnate for a while, so patience and a longer time horizon matter.
Ongoing product costs
- Fidelity Wise Origin Bitcoin Trust 0.25%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.06%
Costs are a real bright spot. The overall TER (total expense ratio, the annual fee charged by funds) is around 0.06%, which is extremely low for a diversified global portfolio. The core US and international ETFs are particularly cheap, and even the bitcoin trust’s 0.25% fee is modest compared to many crypto products. Keeping fees down is like reducing friction in an engine — more of the return stays in your pocket every year and compounds over time. This cost profile aligns very well with best practices in long-term investing. With expenses this low, there’s little pressure to make changes purely for fee reasons, which gives you more freedom to focus on risk, goals, and time horizon instead.
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