Growth focused US equity portfolio with tech tilt momentum overlay and a small crypto satellite
Report created on May 26, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 60.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 20.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.00% -
IB iShares Bitcoin Trust
IBIT - US46438F1012 5.00%
This portfolio is built around a single broad US stock market ETF at 60%, with two satellite stock funds and a 5% crypto position. The satellites lean into S&P 500 momentum (20%) and US small-cap value (15%), so everything on the equity side is still US-focused but with different styles layered on top. Structurally, this is a concentrated “core plus” setup: one main holding setting the tone, and smaller positions adding extra growth and risk characteristics. That kind of structure is simple to understand and track. The presence of crypto makes the overall mix more aggressive than the balanced label suggests, because crypto tends to move very differently and more sharply than broad stocks.
Growth
Over the period shown, $1,000 grew to about $1,692, which is a compound annual growth rate (CAGR) of 25.04%. CAGR is like the average yearly “cruising speed” of the portfolio, smoothing out bumps. That growth beat both the US market and global market by around 3 percentage points per year. The flip side is a max drawdown of -20.19%, meaning the largest peak‑to‑trough drop was about one‑fifth of the portfolio value. That’s slightly deeper than the benchmarks. Only 17 days made up 90% of returns, showing that a handful of strong days drove most gains. As always, this is a short period; strong recent performance does not guarantee anything going forward.
Projection
The Monte Carlo projection uses the portfolio’s past behavior to simulate 1,000 alternate 15‑year futures. It randomizes returns based on history to see a range of possible paths rather than a single forecast. In these simulations, $1,000 ended with a median outcome around $2,820, with most scenarios falling between roughly $1,768 and $4,335. The wide possible range (about $958 to $7,889 between the 5th and 95th percentiles) highlights how uncertain long‑term outcomes can be, especially for growth‑oriented mixes. An average simulated annual return of 8.28% sits well below the recent historical CAGR, underlining that the backtest period was unusually strong and should not be treated as a baseline expectation.
Asset classes
- Stocks 95%
- Crypto 5%
Asset‑class wise, this is almost entirely growth assets: 95% in stocks and 5% in crypto, with no bonds or cash substitutes in the mix. That means returns will be driven mainly by company earnings, valuations, and risk appetite, rather than interest income. Compared with classic “balanced” allocations that include a substantial bond slice, this setup leans clearly toward capital growth and away from income or capital preservation. The 5% crypto slice adds another risk asset with historically high volatility and big drawdowns. This structure can capture strong equity and crypto bull markets but will also fully participate in equity‑led downturns, without the cushion bonds typically provide.
Sectors
- Technology 32%
- Financials 12%
- Industrials 10%
- Consumer Discretionary 9%
- Telecommunications 9%
- Health Care 8%
- Energy 6%
- Crypto 5%
- Consumer Staples 4%
- Basic Materials 2%
- Real Estate 2%
- Utilities 2%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is clearly tilted toward technology at 32%, followed by financials, industrials, and consumer‑oriented areas. Tech’s near‑one‑third share is higher than many broad benchmarks, reflecting both the market’s current composition and the added momentum overlay, which often favors recently strong sectors. A tech‑heavy mix tends to benefit when innovation themes, growth expectations, and lower interest rates support high‑growth companies. However, it can also see sharper pullbacks when interest rates rise or when investors rotate toward more defensive or value‑oriented areas. The smaller allocations to sectors like utilities and staples mean less ballast from historically steadier segments during risk‑off periods.
Regions
- North America 94%
This breakdown covers the equity portion of your portfolio only.
Geographically, around 94% of the equity exposure is in North America, making this a strongly US‑centric portfolio. That aligns well with the stated holdings, since all equity ETFs are US‑focused. Compared with a global benchmark, which spreads weight more across Europe, Asia, and emerging markets, this is a concentrated regional bet. US‑heavy allocations have benefited from strong US corporate earnings and leadership in technology over the past decade. At the same time, this means economic, political, and currency developments in the US have an outsized impact on the portfolio. Global diversification benefits are limited because other regions are only lightly represented.
Market capitalization
- Mega-cap 33%
- Large-cap 28%
- Mid-cap 14%
- Small-cap 12%
- Micro-cap 8%
This breakdown covers the equity portion of your portfolio only.
By market cap, the portfolio spans the full spectrum: 33% mega‑cap, 28% large‑cap, 14% mid‑cap, 12% small‑cap, and 8% micro‑cap. Mega and large companies still dominate, which is typical for cap‑weighted US funds, but the dedicated small‑cap value ETF noticeably boosts exposure below the large‑cap tier. Larger firms often provide more stable earnings and liquidity, helping smooth the ride somewhat. Smaller and micro‑cap companies can be more volatile and sensitive to economic cycles, yet they also have more room for outsized growth. This mix creates a blend of stability from giants and extra return potential from smaller names, with the trade‑off of added risk in the lower‑cap segments.
True holdings
-
NV NVIDIA Corporation 5.81%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
BT Grayscale Bitcoin Mini Trust (BTC) 5.00%
Part of fund(s):- iShares Bitcoin Trust
-
AA Apple Inc 3.44%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 3.17%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.96%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.62%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 2.33%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.21%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 1.75%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
ME Meta Platforms Inc. 1.16%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 30.45%
This breakdown covers the equity portion of your portfolio only.
Looking through the ETFs’ top holdings, the biggest individual exposures cluster in a familiar group of large US tech and growth names: NVIDIA, Apple, Broadcom, Alphabet (both share classes), Microsoft, Amazon, Micron, and Meta. NVIDIA alone shows up as about 5.8% of total exposure, with several of the others in the 2–3% range. These positions appear via multiple funds, creating overlap that increases hidden concentration in a relatively small set of companies. Coverage here is only about 37% of ETF assets because it includes top‑10 holdings only, so true overlap is likely higher. This means portfolio behavior will be strongly influenced by how these large growth names perform.
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 scores are all in the neutral band, clustered around the 50% “market‑like” mark for value, size, momentum, quality, low volatility, and yield. Factor exposure describes how much a portfolio leans toward specific characteristics that research suggests drive returns, like cheapness (value) or recent winners (momentum). Here, despite having a momentum ETF and a small‑cap value ETF, the overall mix ends up looking fairly balanced once everything is combined. That suggests the core broad‑market fund is large enough to dilute strong tilts, leaving a factor profile that should behave broadly like the wider equity market, without pronounced style swings in either direction.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 60.00% 54.6% -
Invesco S&P 500® Momentum ETF
Weight: 20.00% 22.2% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 15.3% -
iShares Bitcoin Trust
Weight: 5.00% 7.9%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. The broad US market ETF is 60% of the allocation and contributes about 55% of total risk, slightly less than its size. The momentum fund and small‑cap value ETF contribute roughly in line with their weights, at about 22% and 15% of risk. The crypto position stands out: at 5% weight, it contributes nearly 8% of risk, meaning each dollar there adds more volatility than the average dollar elsewhere. Overall, the top three holdings account for over 92% of risk, so portfolio behavior is dominated by the core equity funds.
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.
On the efficient frontier chart, the current portfolio sits about 1.94 percentage points below the best possible return for its risk level using these same holdings. The Sharpe ratio, which measures return per unit of volatility above the risk‑free rate, is 1.16 for the current mix. The maximum‑Sharpe combination has a Sharpe of 1.66, while the minimum‑variance mix is at 1.25. Being below the frontier means the same ingredients could, in theory, be blended differently for a better risk/return tradeoff. That said, the current Sharpe is still quite strong, suggesting the existing allocation has been reasonably efficient even if not mathematically optimized.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco S&P 500® Momentum ETF 0.70%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Weighted yield (per year) 0.94%
The portfolio’s overall dividend yield is modest at about 0.94%, with individual funds ranging from 0.70% to 1.30%. Dividend yield is the annual cash payout from holdings as a percentage of their price, like interest on a savings account but not guaranteed. This level of yield is typical for a growth‑oriented, US‑heavy equity mix, where returns are expected to come more from price appreciation than from income. In practice, that means most of the portfolio’s long‑term outcome will depend on capital gains rather than steady cash flows. For investors reinvesting dividends, even a small yield can still compound over time, but it’s not a major driver here.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- iShares Bitcoin Trust 0.12%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.09%
Costs are impressively low, with a total expense ratio (TER) of about 0.09% across the portfolio. TER is the annual fee charged by the funds, expressed as a percentage of assets, and it quietly reduces returns each year. In this case, the broad index ETF at 0.03% anchors costs, while the more specialized funds are still relatively inexpensive. Compared with many actively managed products or older ETFs, this fee level is highly competitive. Keeping costs low is one of the few things fully under an investor’s control and helps more of the portfolio’s gross return show up in net performance, especially when compounded over long periods.
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