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High octane growth junkie portfolio praying tech stays hot and gravity takes a day off

Report created on Apr 17, 2026

Risk 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

Structurally, this is the investing equivalent of an energy drink: all equities, heavy growth, and almost no chill. Over 70% sits in three broad-but-techy funds plus a small-cap growth rocket booster, and then you bolt on niche themes like AI, rare earths, and medical devices for extra drama. It looks diversified at first glance, but it’s more like owning four different flavors of the same sugar bomb. The main issue is concentration of *style*, not number of tickers. The takeaway: this is a growth-max setup that sacrifices balance for excitement. Fine if that’s intentional, less fine if someone just clicked “cool sounding ETFs” and called it diversification.

Growth Info

For all that risk swagger, the results are… decent but underwhelming. CAGR (Compound Annual Growth Rate, your average yearly speed) is 11.61%, trailing the US market by 2.85% a year and even lagging global stocks by 1.02%. You took a max drawdown of -33.5% versus about -24–26% for benchmarks, then needed two full years to crawl back. Translation: you volunteered for extra pain and got paid *less* for it. Past data is like yesterday’s weather—useful but not prophetic—but it does say this setup is good at drama, not so great at turning drama into superior returns.

Projection Info

The Monte Carlo simulation (fancy term for “we ran 1,000 alternate futures and watched what happened”) paints a realistic but not magical picture. Median outcome: $1,000 becomes about $2,858 in 15 years, with a wide “could be fine, could be painful” range between roughly $911 and $8,240. That 8.32% average simulated return comes with a hefty chance of feeling seasick along the way. Past returns and volatility drive these sims, so they’re like extrapolating tomorrow’s traffic from last year’s commute: directionally useful, not destiny. The message: this portfolio has plenty of upside, but the downside in bad scenarios is very real, and you don’t get paid like a genius for the risk you’re taking.

Asset classes Info

  • Stocks
    100%

Asset class breakdown is extremely simple: 100% stocks, 0% anything else. No bonds, no cash buffer, no diversifiers—just equities all the way down. That’s fine for a long horizon and strong stomach, but it’s also like driving everywhere at highway speed with no brakes, no seatbelt, and hoping the road stays dry. In nasty markets, there’s nowhere in this portfolio that reliably “takes the punch” for you. The upside is clarity: you know what you signed up for. The downside is that when markets decide to throw a tantrum, this setup will happily ride the full emotional roller coaster, front row.

Sectors Info

  • Technology
    38%
  • Health Care
    15%
  • Basic Materials
    10%
  • Industrials
    9%
  • Consumer Discretionary
    7%
  • Telecommunications
    7%
  • Financials
    6%
  • Consumer Staples
    4%
  • Energy
    2%
  • Utilities
    2%
  • Real Estate
    2%

Sector-wise, this thing is openly tech-obsessed: 38% in Technology, plus more growthy spillover hiding inside other categories. Health care at 15% and basic materials at 10% mainly show up in the niche themes, not boring defensive names. The rest is scattered in small doses across everything else, but the personality here is very clear: bet big on innovation and future narratives, not dull stability. This works beautifully when high-growth names are in fashion and brutally when they’re not. It’s less “balanced dinner plate” and more “giant bowl of spicy carbs with a side of multivitamin.” Fun now, harder on the system in a downturn.

Regions Info

  • North America
    78%
  • Europe Developed
    6%
  • Asia Developed
    6%
  • Asia Emerging
    4%
  • Australasia
    3%
  • Japan
    2%
  • Latin America
    1%

Geography is basically “USA plus a token nod to the rest of the world.” North America at 78% dominates, with Europe and developed Asia barely getting a look in, and emerging regions as garnish. For a US-based investor that home bias is common, but you’ve taken it pretty seriously. The risk is that one country’s economy, politics, interest rates, and tech mega-caps end up controlling your entire financial fate. If the US booms, you look smart; if it stumbles, there’s not much elsewhere to rescue you. It’s diversification in theory, but in practice it’s still America with a few international souvenirs.

Market capitalization Info

  • Large-cap
    33%
  • Mega-cap
    29%
  • Mid-cap
    23%
  • Small-cap
    12%
  • Micro-cap
    2%

Market cap spread is at least not totally unhinged: 29% mega-cap, 33% large-cap, 23% mid, 12% small, 2% micro. So you’re not just worshipping giants; you’ve got some feisty smaller names in the mix, mainly via small-cap growth. That said, this isn’t a smooth barbell—more like a tilt toward growthy mid/small rockets layered on top of a pretty standard big-cap base. In calm markets, that can juice returns; in rough markets, the smaller stuff can go from “exciting” to “where did half my gains go?” fast. It’s a sensible size mix wearing a slightly reckless growth costume.

True holdings Info

  • NVIDIA Corporation
    3.96%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
    • iShares Future AI & Tech ETF
  • Apple Inc
    2.69%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    2.00%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    1.98%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
    • iShares Future AI & Tech ETF
  • Amazon.com Inc
    1.63%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Abbott Laboratories
    1.36%
    Part of fund(s):
    • iShares U.S. Medical Devices ETF
  • Intuitive Surgical Inc
    1.28%
    Part of fund(s):
    • iShares U.S. Medical Devices ETF
  • Alphabet Inc Class A
    1.26%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.22%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
    • iShares Future AI & Tech ETF
  • Meta Platforms Inc.
    1.10%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Top 10 total 18.48%

The look-through list screams “Big Tech fan club with merch from multiple stores.” NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta—basically the usual suspects—show up across several ETFs, even though only top-10 positions are counted. That 3.96% NVIDIA stake is almost certainly understated once you get beyond published top holdings. This is classic hidden overlap: it looks like many funds, but underneath it’s the same celebrities on repeat. Like building a music library with six playlists that are all 70% Taylor Swift. The practical takeaway: position sizes are bigger than they look because the same names keep sneaking in through side doors.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 84%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 84%
Quality
Preference for financially healthy companies
Low
Data availability: 84%
Yield
Preference for dividend-paying stocks
Low
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

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-wise, you’ve basically ghosted value, quality, and yield. Value at 35%, quality at 37%, yield at 36% are all mild tilts *away* from boring, cheap, profitable, dividend-paying stuff. Factors are like the hidden ingredients that explain behavior: you chose “expensive, fast-growing, and sometimes fragile” over “steady and sturdy.” Neutral size, momentum, and low volatility just mean those aren’t doing much to save you when the party ends. Leaning away from quality and value while going growth-heavy is like building a house out of glass because it looks cool from the street. Works great—until the rocks start flying.

Risk contribution Info

  • iShares Future AI & Tech ETF
    Weight: 18.00%
    23.3%
  • Vanguard Small-Cap Growth Index Fund ETF Shares
    Weight: 16.20%
    17.8%
  • Invesco NASDAQ 100 ETF
    Weight: 17.20%
    17.8%
  • Vanguard S&P 500 ETF
    Weight: 21.60%
    16.9%
  • VanEck Rare Earth/Strategic Metals ETF
    Weight: 8.10%
    11.3%
  • Top 5 risk contribution 87.1%

Risk contribution makes the real story painfully clear: the AI & Tech ETF at 18% weight is delivering 23.3% of your total risk, with rare earths at 8.1% weight but 11.3% of risk. That’s a risk/weight ratio of 1.29 and 1.40 respectively—these positions are punching way above their size. Meanwhile the boring, cheap S&P 500 anchors 21.6% of your money but only 16.9% of risk, doing the adult-in-the-room work. Top three holdings together drive nearly 59% of your volatility. This isn’t a symphony; it’s a band where two loud guitars and one drummer drown out everyone else.

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 chart is brutal: your current portfolio has a Sharpe ratio of 0.46, while the optimal mix of the *same holdings* hits 0.85 with *higher* return and *lower* risk. Being 4.48 percentage points below the frontier at your risk level means you’re basically leaving performance on the table just by choosing awkward weights. Minimum variance even beats you on risk-adjusted terms at Sharpe 0.61. In plain English: with the same ingredients, a smarter recipe could give you a tastier dish with less indigestion. This isn’t a “you picked all the wrong funds” problem; it’s a “you stacked them in a slightly chaotic way” problem.

Dividends Info

  • iShares U.S. Medical Devices ETF 0.40%
  • Invesco NASDAQ 100 ETF 0.50%
  • VanEck Rare Earth/Strategic Metals ETF 1.30%
  • Vanguard Small-Cap Growth Index Fund ETF Shares 0.50%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 0.84%

That 0.84% total dividend yield is barely more than a polite nod. This is not an income portfolio; it’s a “please grow fast so I don’t care about yield” portfolio. Dividends are basically the “cash back” on your investments, and you’ve chosen funds that mostly reinvest into growth stories instead of sending you meaningful cash. That’s fine if the plan is long-term compounding and you don’t need income from this money. But if someone secretly expects this to pay bills anytime soon, they’re going to be disappointed. Right now, it’s a total return play with almost no built-in paycheck.

Ongoing product costs Info

  • iShares U.S. Medical Devices ETF 0.40%
  • iShares Future AI & Tech ETF 0.47%
  • Invesco NASDAQ 100 ETF 0.15%
  • VanEck Rare Earth/Strategic Metals ETF 0.54%
  • Vanguard Small-Cap Growth Index Fund ETF Shares 0.07%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.21%

Costs are surprisingly sane for such a dramatic lineup. Total TER at 0.21% is low, especially given you sprinkled in some pricey niche stuff like rare earths at 0.54% and AI & Tech at 0.47%. The cheap Vanguard core funds are clearly doing the heavy lifting to keep fees under control—almost like you accidentally did something very smart while chasing themes. Still, you’re paying a small premium for the shiny specialized ETFs, which may or may not justify their existence over time. At least you’re not setting money on fire with absurd fees on top of all the extra risk-taking.

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