Roast mode 🔥

Confident risk taker with a tech crush a Bitcoin side quest and a shrug at diversification

Report created on Apr 2, 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.

What type of investor this portfolio is suitable for

Growth Investors

This setup suits someone who’s openly comfortable with volatility and secretly believes they’re on the right side of history. Think long time horizon, growth-focused, and not losing sleep over double-digit drawdowns or crypto mood swings. They like the idea of smart-sounding strategies — factors, momentum, small caps — but still want the psychological comfort blanket of big U.S. names doing the heavy lifting. Income today isn’t the goal; building a bigger future pile is. They’re okay with being a bit U.S.-obsessed, a bit overconfident, and a bit dramatic with risk, as long as the story remains “I’m in it for the long term.”

Positions

This thing is basically “US stocks plus vibes.” Over half is plain-vanilla S&P 500 and large-cap growth, then you bolt on small-cap value, a spicy quant momentum sleeve, and nearly 10% Bitcoin like a dare. It looks diversified at first glance, but once you strip the labels, it’s just different flavors of U.S. equity beta with a crypto garnish. The structure screams “I like risk, but I want it to look academic.” The takeaway: it’s more concentrated than the fund list suggests, and the Bitcoin chunk turns what could’ve been a nerdy, factor-aware portfolio into a roller coaster with one questionable extra car.

Growth Info

Performance since early 2024 has been strong, but let’s not pretend genius here. A 15.47% CAGR (Compound Annual Growth Rate — your average speed over the trip) is basically tied with both the U.S. and global markets. You took S&P-like risk, got S&P-like returns, and endured a slightly nastier -21% drawdown than the benchmarks. The “nine days make 90% of returns” stat is a reminder this ride is held up by a few very good days — miss those and it’s a lot less pretty. Past data is yesterday’s weather: useful, but it doesn’t make you a climate scientist.

Projection Info

The Monte Carlo simulation — think “a thousand alternate universes for your money” — says a $1,000 stake most likely crawls to about $2,826 over 15 years, with a wide “could be fine, could be ugly” band from $895 to $8,365. Average return across all those futures is 8.43% a year, which is decent growth investor territory, but the range tells you the truth: this portfolio is not shy about risk. Roughly three-quarters of simulations are positive, but that still leaves a meaningful chunk where you’d be unhappy. Future projections are glorified weather models — directionally helpful, but they’ve never met the next crisis.

Asset classes Info

  • Stocks
    90%
  • Crypto
    10%

Asset allocation is basically: 90% stocks, 10% “let’s see what happens” Bitcoin. No bonds, no cash buffer, no attempt at smoothing the ride — this is a pedal-down growth allocation with a speculative kicker. It fits a long horizon and a strong stomach, but calling it “moderately diversified” is generous. Asset classes here are like food groups in a college diet: mostly carbs and caffeine, no vegetables. Takeaway: this setup works only if volatility is background noise and you don’t need to touch the money when the market’s throwing a tantrum.

Sectors Info

  • Technology
    25%
  • Industrials
    13%
  • Consumer Discretionary
    11%
  • Financials
    10%
  • Telecommunications
    8%
  • Health Care
    7%
  • Energy
    5%
  • Basic Materials
    4%
  • Consumer Staples
    3%
  • Real Estate
    2%
  • Utilities
    2%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, this is a tech-forward portfolio pretending to be balanced. Technology at 25% is a clear addiction, boosted by those mega-cap darlings hiding inside the ETFs. Industrials, consumer discretionary, and financials show up respectably, but they’re basically supporting cast. Utilities and real estate are tiny, so if defensiveness was the goal, it missed the memo. The hidden joke: once you mix growth and S&P 500, you double-dip into the same tech and communication names. When tech leads, you look smart; when it lags, you’re that person who “invested for the long term” and suddenly discovers they care a lot about quarterly returns.

Regions Info

  • North America
    84%
  • Europe Developed
    3%
  • Japan
    2%
  • Latin America
    1%
  • Australasia
    1%

This breakdown covers the equity portion of your portfolio only.

Geography: 84% North America says “USA or bust,” with the rest of the world sprinkled in like seasoning, not substance. Europe, Japan, Latin America, and Australasia together barely register. The single international small-cap value fund is doing lonely work trying to claim “global diversification.” In reality, you’ve tied your fate to one economy, one currency, and one market narrative. When the U.S. outperforms, this looks brilliant; when it doesn’t, you discover why global diversification exists. It’s like saying you’ve “traveled a lot” because you’ve been to three airports on a layover.

Market capitalization Info

  • Mega-cap
    30%
  • Mid-cap
    20%
  • Large-cap
    19%
  • Small-cap
    15%
  • Micro-cap
    6%

This breakdown covers the equity portion of your portfolio only.

The market-cap mix is actually one of the more interesting — and intentional-looking — parts: 30% mega, 19% large, 20% mid, 15% small, 6% micro. So yes, you’re leaning into the full U.S. size spectrum instead of just hugging the mega-cap index. That small and micro slice adds oomph to both potential returns and gut-churning volatility. It’s like inviting a few chaos goblins to an otherwise orderly party. The upside: you’re not fully hostage to mega-cap trends. The downside: in nasty markets, those tiny names fall faster and bounce around harder than the giants.

True holdings Info

  • NVIDIA Corporation
    5.15%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Apple Inc
    4.80%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    3.59%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    2.23%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    2.08%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    1.77%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Meta Platforms Inc.
    1.74%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    1.69%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Tesla Inc
    1.40%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Eli Lilly and Company
    0.61%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
  • Top 10 total 25.04%

Your hidden ingredient list is a who’s who of mega-cap tech royalty: NVIDIA, Apple, Microsoft, Alphabet, Amazon, Meta, Tesla — the usual suspects are basically renting out half the portfolio. You don’t hold them directly, but every ETF is sneaking them in like carbs in a “healthy” salad. True overlap is worse than reported because only ETF top-10s are counted, so this is likely the polite version of the story. Translation: you own a tech-heavy U.S. mega-cap monster in a trench coat pretending to be a diversified multi-fund strategy. If those names catch a cold, the portfolio sneezes hard.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 100%
Size
Exposure to smaller companies
High
Data availability: 90%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 84%
Quality
Preference for financially healthy companies
Neutral
Data availability: 84%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 90%

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, this is surprisingly sane for something with Bitcoin in it. Most exposures sit around “neutral,” meaning you’re roughly in line with broad markets: no extreme love or hate for value, momentum, quality, yield, or low volatility. Size is the only notable tilt — a mild push toward smaller companies, consistent with your small-cap value positions. Think of factors as the flavor profile; here, you’ve got a mildly spicy “smaller-company” note but nothing wildly unbalanced. That’s either quietly thoughtful or accidental competence. Either way, this factor mix should behave reasonably across different regimes, outside of whatever Bitcoin decides to do on any given Tuesday.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 32.43%
    26.5%
  • Vanguard Growth Index Fund ETF Shares
    Weight: 21.62%
    22.2%
  • Fidelity Wise Origin Bitcoin Trust
    Weight: 9.84%
    18.0%
  • Alpha Architect U.S. Quantitative Momentum ETF
    Weight: 10.27%
    11.3%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 9.51%
    9.3%
  • Top 5 risk contribution 87.3%

Now for who’s actually shaking the portfolio: your S&P 500 and Vanguard Growth funds plus Bitcoin make up about two-thirds of total risk. That Bitcoin slice is the loudest guest: just under 10% weight but over 18% of total risk — a risk/weight ratio of 1.83 is basically it yelling over everyone else. The core S&P and growth funds are doing what they should, contributing risk roughly in line with their size. If risk contribution is “who’s driving the car,” Bitcoin is flooring it from the passenger seat. Trimming noisy offenders is how people usually keep portfolios from turning into personality tests.

Redundant positions Info

  • Vanguard Small-Cap Value Index Fund ETF Shares
    Avantis® U.S. Small Cap Value ETF
    High correlation
  • Vanguard Growth Index Fund ETF Shares
    Vanguard S&P 500 ETF
    High correlation

Correlations here are hilariously obvious: your two small-cap value funds move almost in lockstep, and your S&P 500 plus growth combo is basically the same crowd with different outfits. Highly correlated holdings mean when one falls, its twin usually does too — not exactly the point of diversification. It’s like backing up important files, then keeping all the hard drives in the same drawer. You do get some diversification from the different size and factor tilts, and Bitcoin lives in its own volatility universe, but within equities you’ve paid for more variety than you’re actually getting when things hit the fan.

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 basically calls this portfolio out for being lazy. Your current Sharpe ratio of 0.73 (return per unit of risk) is miles below what’s achievable using the exact same ingredients. The optimal mix has a Sharpe of 1.52 with *higher* returns and *lower* risk — that’s not a tweak, that’s a glow-up. Even the minimum-variance version beats you on both fronts. Sitting 8.7 percentage points below the frontier at your risk level is like driving a sports car in first gear on the highway. The holdings are fine; the weights are the problem. Reweighting alone could dramatically clean this up.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.90%
  • Avantis® U.S. Small Cap Value ETF 1.40%
  • Alpha Architect U.S. Quantitative Momentum ETF 0.50%
  • Vanguard Small-Cap Value Index Fund ETF Shares 1.90%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Growth Index Fund ETF Shares 0.50%
  • Weighted yield (per year) 1.05%

Dividend yield at 1.05% is pocket change — this setup clearly doesn’t care about income. Most of the yield is dragged up a bit by the small-cap value and international value funds, while the growth, momentum, and crypto components collectively shrug at cash payouts. This is a “make money from price moves, not checks in the mail” portfolio. Nothing wrong with that for a long time horizon, but anyone dreaming of living off dividends here is basically planning to live off vibes. The benefit is tax-efficiency in many cases; the trade-off is you’re fully exposed to market swings for your total return.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • Alpha Architect U.S. Quantitative Momentum ETF 0.29%
  • Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Weighted costs total (per year) 0.13%

Costs are annoyingly reasonable. A total TER around 0.13% for a mix of vanilla index funds, fancy quant, and factor ETFs is actually solid. You’ve somehow avoided the classic trap of expensive complexity. The priciest pieces (Avantis international small-cap value and the quant momentum ETF) at least attempt to earn their keep with more specialized strategies. You’re not lighting money on fire with fees; this is closer to “economy plus” pricing. Dry compliment: for a portfolio that loves clever tilts and Bitcoin theatrics, the cost control is almost suspiciously grown-up.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey