Highly concentrated crypto portfolio with extreme volatility and equity funds as a small stabilizing anchor

Report created on Apr 21, 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

This portfolio is overwhelmingly dominated by cryptocurrencies, with about 91% in crypto and only 9% in stock funds and ETFs. Bitcoin alone is more than 60% of the total, and the next three coins push the top four positions close to the entire portfolio. The equity side is spread across broad US, global, growth, dividend, and sustainability funds, but each is held in very small size. Structurally, this is more a crypto portfolio with a minor equity sleeve than a mixed-asset portfolio. That explains why the risk profile is flagged as speculative and scores 7/7. The small stock component can soften edges slightly, but most day‑to‑day movement will follow the crypto market.

Growth Info

Historically, this mix has delivered very strong growth: $1,000 grew to about $7,187 over roughly five and a half years. The compound annual growth rate (CAGR) of 43.28% massively outpaced both the US market at 15.04% and the global market at 13.13%. The flip side is the max drawdown of -83.21%, far steeper than the roughly -25% range for the benchmarks. That means the portfolio once lost more than four‑fifths of its value from peak to trough and took about two years to recover. With only 23 days making up 90% of returns, outcomes were heavily driven by a handful of huge moves, which is typical for highly speculative assets.

Projection Info

The Monte Carlo projection simulates many possible 15‑year paths using historical volatility and relationships between holdings. Think of it as running the past thousands of times with slightly different dice rolls to see a range of futures. Here, the median outcome ends slightly below break‑even at $921, and only about one‑third of simulations end positive. Yet the overall average return across all runs is 12.56% a year, driven by a small number of huge wins. The wide range—from around $32 at the low end to nearly $24,000 at the high end—shows how extreme the uncertainty is. As always, these simulations are not forecasts; they just illustrate how unstable outcomes can be when past swings are this large.

Asset classes Info

  • Crypto
    91%
  • Stocks
    9%

Looking at asset classes, about 91% in crypto and 9% in stocks is an unusually heavy allocation to one highly volatile category. In many reference portfolios, stocks and bonds dominate, with alternatives or crypto as small satellites, so this stands out as the reverse. Asset class mix matters because different groups behave differently across economic cycles. Here, both return potential and risk are driven overwhelmingly by the crypto component, while the diversified stock funds play only a minor role. That helps explain why the diversification score is only moderate despite having several different funds: spreading across many tickers is less impactful when almost all capital lives in a single asset class.

Sectors Info

  • Technology
    3%
  • Financials
    1%
  • Industrials
    1%
  • Telecommunications
    1%
  • Health Care
    1%

This breakdown covers the equity portion of your portfolio only.

Sector data only covers the equity part, and there the allocations are relatively balanced: small slices in technology, financials, industrials, telecom, and health care. This pattern is typical for broad‑based index and growth funds that hold large numbers of companies. In isolation, that sector mix looks sensible and matches general benchmark style, which is a positive sign for the stock sleeve. But because stocks are just 9% of the portfolio, these sector exposures have limited influence on overall behavior. Crypto does not fall into standard equity sectors, so most risk and return will respond to crypto‑specific news rather than sector cycles like interest rates or healthcare regulation.

Regions Info

  • North America
    7%
  • Europe Developed
    1%

This breakdown covers the equity portion of your portfolio only.

Geographic data again reflects only the stock holdings. Around 7% of the overall portfolio is in North America and about 1% in developed Europe. That indicates the equity sleeve leans toward the US and other developed markets, in line with many global benchmarks. On its own, that regional mix is well‑balanced for the small equity slice and provides exposure to major global economies. However, because crypto has no home country and dominates the portfolio, geographic diversification doesn’t meaningfully shape the total risk picture. The main takeaway is that traditional country and currency risks are relatively minor here compared with the global, 24/7 nature of crypto markets.

Market capitalization Info

  • Mega-cap
    4%
  • Large-cap
    3%
  • Mid-cap
    1%

This breakdown covers the equity portion of your portfolio only.

Within equities, exposure is tilted toward mega‑cap and large‑cap companies, with a smaller portion in mid‑caps. Mega‑caps are the world’s biggest listed firms, and they tend to be more established and liquid than smaller names. This kind of market‑cap profile is common in broad index and growth funds and usually helps smooth volatility within the stock portion. Because stocks are such a small slice, though, this large‑cap bias doesn’t significantly moderate the overall ride. The crypto holdings, which do not fit into equity market‑cap buckets, dominate both upside and downside. So while the equity sleeve is structured in a textbook, large‑cap‑heavy way, its impact on the total portfolio is limited.

True holdings Info

  • NVIDIA Corporation
    0.32%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    0.29%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    0.22%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    0.14%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    0.13%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    0.12%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    0.11%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    0.11%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    0.10%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Walmart Inc.
    0.04%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
  • Top 10 total 1.58%

This breakdown covers the equity portion of your portfolio only.

The look‑through data for the ETFs shows small indirect positions in familiar large companies like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, and Walmart. Each of these is a tiny fraction of the total portfolio, with the biggest around 0.32%. Overlap across funds in these names slightly increases exposure to large tech and consumer firms, which is typical for US‑centric index and growth products. However, ETF top‑10 data only covers about 1.8% of the total portfolio, so hidden concentration at the stock level is minimal relative to the huge crypto stakes. The main insight is that any company‑specific news in these large stocks will barely move the overall portfolio compared with crypto price swings.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 13%
Size
Exposure to smaller companies
Neutral
Data availability: 9%
Momentum
Exposure to recently outperforming stocks
Very low
Data availability: 100%
Quality
Preference for financially healthy companies
Neutral
Data availability: 9%
Yield
Preference for dividend-paying stocks
Low
Data availability: 9%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 9%

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 looks at how the portfolio lines up with characteristics like value, size, momentum, quality, low volatility, and yield—think of these as return “ingredients.” Most factors here appear near neutral, but momentum shows a very low exposure around 14%, indicating a strong tilt away from buying recent winners on the equity side. Yield is also somewhat low, suggesting the stock sleeve doesn’t lean heavily toward high‑dividend companies. Because crypto doesn’t slot neatly into traditional factor models, these readings mostly describe the 9% in equities. The low momentum tilt means that, at least within stocks, returns may be less tied to short‑term price trends and more to broad market movements.

Risk contribution Info

  • Bitcoin
    Weight: 63.37%
    64.0%
  • Ethereum
    Weight: 18.09%
    22.9%
  • XRP
    Weight: 5.55%
    6.5%
  • Solana
    Weight: 4.03%
    5.5%
  • Invesco NASDAQ 100 ETF
    Weight: 1.14%
    0.2%
  • Top 5 risk contribution 99.1%

Risk contribution measures how much each holding drives overall portfolio ups and downs, which can differ from its weight. Bitcoin is 63.37% of the portfolio and contributes about 63.99% of total risk, so its volatility lines up closely with its size. Ethereum, at 18.09% weight, contributes 22.88% of risk, and Solana contributes more risk than its weight as well, with a risk‑to‑weight ratio of 1.36. The top three holdings together drive over 93% of total portfolio risk. This shows that despite having multiple funds and coins, the portfolio behaves as if it were largely a bet on a few cryptocurrencies, while the equity funds barely register in terms of overall volatility.

Redundant positions Info

  • Invesco NASDAQ 100 ETF
    Fidelity US Sustainability Index Fund In
    FIDELITY ZERO TOTAL MARKET INDEX FUND
    Vanguard Growth Index Fund ETF Shares
    Vanguard Total Stock Market Index Fund ETF Shares
    FIDELITY DIVIDEND GROWTH FUND FIDELITY DIVIDEND GROWTH FUND
    High correlation
  • Vanguard FTSE Developed Markets Index Fund ETF Shares
    FIDELITY GLOBAL EX U.S. INDEX FUND INSTITUTIONAL PREMIUM CLASS
    High correlation

Correlation looks at how different holdings move together; values close to 1 mean they tend to rise and fall at the same time. The highly correlated pairs listed are mostly between broad US index funds, growth funds, and similar products—for example, Fidelity Zero Total Market and Vanguard Total Stock Market, or Invesco NASDAQ 100 and Vanguard Growth. This pattern is expected because many of these funds hold overlapping baskets of large US companies. While this limits diversification within the small equity sleeve, its overall impact on total portfolio risk is modest given crypto’s dominance. It’s worth remembering that in sharp market downturns, highly correlated assets can fall together, reducing the cushioning effect you might expect.

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 compares the current portfolio to the best possible mixes of the same holdings. The current setup has very high risk (about 57% volatility) and high expected return (about 56%) but a Sharpe ratio around 0.91, meaning the return per unit of risk is modest. The “optimal” portfolio on this curve shows a Sharpe of 1.38 with much lower risk (about 26%) and still strong returns, while the minimum‑variance mix cuts risk even further. Because the current portfolio sits about 15.7 percentage points below the frontier at its risk level, the data suggests that simply reweighting the existing holdings—without adding anything new—could potentially improve the risk/return trade‑off using the same ingredients.

Dividends Info

  • FIDELITY DIVIDEND GROWTH FUND FIDELITY DIVIDEND GROWTH FUND 8.70%
  • FIDELITY GROWTH & INCOME PORTFOLIO FIDELITY GROWTH & INCOME PORTFOLIO 9.30%
  • Fidelity US Sustainability Index Fund In 1.10%
  • FIDELITY GLOBAL EX U.S. INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.50%
  • FIDELITY ZERO TOTAL MARKET INDEX FUND 1.00%
  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.70%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Weighted yield (per year) 0.26%

Dividend data applies only to the mutual funds and stock ETFs, since crypto does not pay traditional dividends. Some of the active funds show relatively high yields, around 8–9%, while the index funds and ETFs sit closer to typical market yields between about 0.4% and 2.7%. Even so, because equities are only 9% of the entire portfolio, the overall portfolio yield rounds to a low 0.26%. That means income plays almost no role in total return; most gains or losses will come from price movements, especially in crypto. For someone tracking cash flow, the dividend sleeve is a side feature rather than a central driver of the portfolio’s outcome.

Ongoing product costs Info

  • FIDELITY DIVIDEND GROWTH FUND FIDELITY DIVIDEND GROWTH FUND 0.88%
  • FIDELITY GROWTH & INCOME PORTFOLIO FIDELITY GROWTH & INCOME PORTFOLIO 0.53%
  • Fidelity US Sustainability Index Fund In 0.11%
  • FIDELITY GLOBAL EX U.S. INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.06%
  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Weighted costs total (per year) 0.02%

Costs are captured through each fund’s Total Expense Ratio (TER), which is the annual fee charged by the fund manager. The index funds and ETFs here are very inexpensive, with TERs between 0.03% and 0.15%, and even the global ex‑US fund is just 0.06%. Two active Fidelity funds are costlier, at 0.53% and 0.88%, reflecting their more hands‑on management. When averaged across the whole portfolio, including the large zero‑fee crypto portion, the blended TER is a very low 0.02%. That’s impressively low and helps more of any equity returns stay in the portfolio over time. While fees always matter, in this case they are not a major drag on performance.

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