Growth focused portfolio with strong US tilt and momentum overlays plus modest diversification

Report created on Feb 25, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The structure here is very growth-leaning: almost everything is in equities, with a big tilt to the S&P 500, the NASDAQ 100, and two momentum funds. A smaller slice goes to US dividend payers, a modest allocation to international stocks, and small positions in semiconductors and bitcoin. This setup leans harder into return than a typical “balanced” mix, which usually holds a meaningful bond component. That’s important because it means sharper swings than a textbook balanced benchmark. To streamline things, it could help to clarify which pieces are “core” (broad index, dividend) and which are “satellite” tilts (momentum, sector, bitcoin), then decide if each satellite truly earns its place.

Growth Info

Historically, the portfolio has delivered a very strong compound annual growth rate (CAGR) of about 22.9%. CAGR is just the smooth average yearly growth rate, like averaging the speed of a long road trip. The max drawdown of roughly -19% means the worst peak‑to‑trough fall was significant but not catastrophic for an all‑equity, growth‑tilted mix. Beating common equity benchmarks at that risk level would be quite impressive, especially with only a moderate drawdown. Still, past performance is not a guarantee. It can help to ask whether this level of volatility felt acceptable and, if not, consider adding a stabilizing sleeve or slightly dialing down the most aggressive growth tilts.

Projection Info

The Monte Carlo analysis, which runs 1,000 “what if” scenarios based on historical patterns, shows very optimistic projected ranges. Monte Carlo is basically a big simulation engine: it shuffles returns thousands of times to see many possible futures instead of just one. Here, even the lower‑end outcomes are high, and 100% of simulations show positive returns, which is unusually rosy and likely reflects a strong recent period in growth assets. It’s crucial to remember this relies on history repeating itself, which it never does perfectly. Treat these numbers as rough guardrails, not promises, and check whether such aggressive expectations match personal plans, savings rate, and backup options.

Asset classes Info

  • Stocks
    97%
  • Other
    3%

Asset‑class allocation is extremely equity‑heavy: roughly 97% in stocks, 3% in “other” (mainly bitcoin), and essentially no cash or traditional defensive assets. Typical “balanced” benchmarks often hold a meaningful portion in bonds or other stabilizers, so this mix is actually closer to an equity‑growth profile. That’s great for long‑term compounding if someone can ride out big drawdowns, but it can be stressful during deep bear markets or if withdrawals are needed. This equity dominance is well‑aligned with a long horizon and strong risk tolerance. Anyone wanting a smoother ride could gradually add a small defensive sleeve rather than overhauling the equity structure all at once.

Sectors Info

  • Technology
    33%
  • Financials
    11%
  • Telecommunications
    10%
  • Industrials
    9%
  • Consumer Discretionary
    9%
  • Consumer Staples
    8%
  • Health Care
    7%
  • Energy
    5%
  • Utilities
    2%
  • Basic Materials
    1%
  • Real Estate
    1%

Sector exposure is nicely spread across many parts of the market, with a strong but not extreme lean to technology and growth‑oriented areas like communication services and consumer cyclicals. This is very common when combining S&P 500, NASDAQ 100, momentum, and semiconductor ETFs; tech tends to dominate those universes. Tech‑heavy mixes often do very well in periods of innovation and low or falling interest rates, but they can be hit hard when rates rise or sentiment shifts away from growth. The sector mix is still reasonably diversified and broadly in line with popular benchmarks, which is a plus. A simple check is whether that tech tilt feels intentionally sized, not accidental.

Regions Info

  • North America
    91%
  • Europe Developed
    3%
  • Asia Developed
    1%
  • Asia Emerging
    1%
  • Japan
    1%

Geographically, the portfolio is overwhelmingly tilted to North America, especially the US, with around 91% exposure. Only a small slice goes to developed and emerging markets overseas. This US‑first stance has worked very well over the past decade, as US large caps outperformed many other regions. However, global leadership can rotate; foreign markets sometimes shine when the US lags. The modest international slice does add some diversification, though less than global benchmarks that often hold a larger overseas share. Periodically reassessing whether the home‑country tilt is still intentional can help, especially if long‑term goals include smoother returns across different global cycles.

Market capitalization Info

  • Large-cap
    40%
  • Mega-cap
    35%
  • Mid-cap
    18%
  • Small-cap
    4%

Market‑cap exposure is dominated by mega and large companies, with a meaningful but smaller allocation to mid caps and minimal small‑cap exposure. Big and mega caps tend to be more stable, well‑known names that can weather downturns better than tiny companies, which fits nicely with a “balanced but growthy” mindset. The mid‑cap momentum piece adds a bit of extra punch and volatility, since mid‑caps often move more than giants. This size mix is broadly consistent with many major benchmarks and supports good diversification, which is a clear positive. If a stronger small‑cap growth engine is desired, gradually adding to diversified small‑cap exposure rather than single themes can keep risk manageable.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Invesco NASDAQ 100 ETF
    High correlation

The correlation data shows the S&P 500 and NASDAQ 100 positions are highly correlated, meaning they tend to move in the same direction at similar times. Correlation is just a measure of how closely assets dance together; high numbers mean they often move as one. When assets are very correlated, holding both does less for diversification during market drops. That doesn’t make the combination “bad,” but it does mean the benefit is more about tilting toward certain styles than reducing risk. If the goal is a cleaner, more efficient structure, consolidating overlapping holdings or clearly sizing each tilt could free up room for genuinely different risk drivers.

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.

From a risk‑return angle, the Efficient Frontier analysis suggests there is room to tune things. The Efficient Frontier is just the curve of “best possible trade‑offs” between risk and return using the existing ingredients, like finding the most fuel‑efficient speed for a given car. The results show a more efficient mix could keep risk roughly similar while lifting expected return, mainly by reducing overlaps and re‑weighting current holdings. Importantly, “efficiency” here is only about risk versus return, not about values, taxes, or simplicity. The portfolio is already doing a lot right, but small allocation tweaks could push it closer to that optimal curve without changing the underlying investments.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.30%
  • VanEck Semiconductor ETF 0.30%
  • Invesco S&P 500® Momentum ETF 0.70%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Invesco S&P MidCap Momentum ETF 0.70%
  • Weighted yield (per year) 1.25%

The total dividend yield around 1.25% is on the low‑to‑moderate side, which makes sense given the growth and momentum focus. Dividend yield is simply the annual cash payouts as a percentage of the portfolio value, like interest on a savings account but not guaranteed. The dedicated dividend ETF brings in a meaningful 3%+ yield, supporting some income stability, while growth‑heavy pieces like the NASDAQ and semiconductor fund pay very little. This blend is well‑suited for someone prioritizing capital growth with a bit of income support. If future cash‑flow needs rise, gradually increasing the share of dividend‑oriented or income‑steady holdings could help without abandoning growth.

Ongoing product costs Info

  • iShares Bitcoin Trust 0.12%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • VanEck Semiconductor ETF 0.35%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.11%

The overall cost level, with a total expense ratio around 0.11%, is impressively low. The total expense ratio (TER) is basically the annual “membership fee” for each ETF, quietly taken out of returns. Low‑cost investing is one of the few areas where evidence is very strong: saving even a fraction of a percent per year can compound into big differences over decades. This cost structure aligns closely with best practices and widely respected benchmarks, especially given the number of specialized funds involved. The only slight outliers are the themed and bitcoin funds with higher fees, which is normal. Periodically checking that each higher‑fee tilt still earns its spot keeps the cost edge sharp.

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