Broad global stock mix with added momentum tilt and a small high risk crypto kicker
Report created on Apr 8, 2026Risk 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
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SP State Street® SPDR® Portfolio S&P 500® ETF
SPYM - US78464A8541 43.20% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 28.50% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 23.30% -
FB Fidelity Wise Origin Bitcoin Trust
FBTC - US3159481098 5.00%
The portfolio is mainly built from three broad stock ETFs plus a small dedicated bitcoin slice. Roughly two thirds is in broad US and international stock trackers, about a quarter targets a momentum style within the US market, and 5% sits in bitcoin. This structure keeps things simple while still adding a “spice” element through momentum and crypto. That’s relevant because most of your long‑term outcome will be driven by these core stock funds rather than the smaller side bets. A practical takeaway is to treat the broad index ETFs as the engine of long‑term growth, and see the momentum and bitcoin pieces as higher‑risk satellites rather than the main story.
Growth
Over the available period, $1,000 grew to about $1,503, with a Compound Annual Growth Rate (CAGR) near 20.2%. CAGR is like average speed on a road trip: it smooths out all the bumps. That beats both the US and global market references by around 3 percentage points per year, which is a strong result. Max drawdown reached roughly -17%, similar to the benchmarks, showing you didn’t dodge volatility but were compensated with higher returns. Remember, this is a short, strong market period and includes big tech and bitcoin strength, so it may overstate what’s “normal.” It’s useful, but you shouldn’t expect 20% annualized forever.
Projection
The Monte Carlo projection uses many simulated “what if” paths based on historical patterns to estimate possible 15‑year outcomes. Think of it as rerunning market history 1,000 different ways, then seeing where you might land. The median result turns $1,000 into about $2,358, roughly 6.4% per year, with a wide but reasonable range around that. There’s about a two‑thirds chance of a positive outcome over 15 years, but also non‑trivial odds of barely breaking even. This highlights that even diversified portfolios face uncertainty, especially with pieces like momentum and bitcoin. Monte Carlo isn’t a crystal ball; it just shows how bumpy the journey could be if the future roughly rhymes with the past.
Asset classes
- Stocks 52%
- No data 43%
- Crypto 5%
On the asset class view, 52% is clearly mapped to stocks, 5% to crypto, and 43% sits in “no data,” which here mainly reflects incomplete classification from the feeds rather than some mystery asset type. Importantly, everything we can see is growth‑oriented rather than defensive: there’s no explicit allocation to bonds or cash‑like assets. That’s key for risk, because portfolios without a ballast asset can swing more with equity markets. For a balanced‑risk label, this setup leans growthy but still anchored in diversified equities. Someone wanting a smoother ride would generally look to add a more stable asset class, while growth‑focused investors may be comfortable with the current mix.
Sectors
- Technology 15%
- Industrials 8%
- Financials 8%
- Health Care 4%
- Telecommunications 3%
- Consumer Discretionary 3%
- Basic Materials 3%
- Consumer Staples 3%
- Energy 2%
- Utilities 1%
- Real Estate 1%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is nicely spread, with technology the largest at 15%, and then a mix of industrials, financials, health care, telecoms, consumer areas, materials, energy, utilities, and real estate. This looks very similar to broad global equity benchmarks, which is actually a big plus: you’re not making a huge sector bet beyond what the world market already does. Tech is meaningful but not extreme by current index standards. That balance helps because different sectors lead in different cycles—defensives can help in downturns, cyclicals in recoveries. The key takeaway is your sector mix is well‑diversified and aligned with global norms, supporting resilient long‑term compounding.
Regions
- North America 26%
- Europe Developed 10%
- Japan 4%
- Asia Developed 4%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, around a quarter is in North America with the rest spread across developed Europe, Japan, other developed Asia, emerging Asia, and smaller slices in Australasia, Latin America, and Africa/Middle East. This is a healthy global spread and closer to a true world allocation than many US‑heavy portfolios. That’s beneficial because economic and market leadership rotates over decades: there have been long stretches where regions outside the US have led. The flip side is you’ll sometimes lag a pure US index when America outperforms. Overall, this geographic mix is well‑balanced and aligns closely with global standards, which is great for long‑term diversification.
Market capitalization
- Mega-cap 21%
- Large-cap 21%
- Mid-cap 7%
- Small-cap 1%
This breakdown covers the equity portion of your portfolio only.
Market cap exposure leans heavily to mega‑ and large‑cap companies, with smaller slices in mid‑ and small‑cap names. That’s pretty similar to a market‑weighted global index and fits with using broad cap‑weighted ETFs. Large firms tend to be more stable and diversified businesses, which can reduce single‑company blow‑ups compared with tiny stocks, though they still move with the market. The smaller exposure to mid and small caps means you’re not strongly tilting toward the higher‑risk, higher‑potential part of the market, but you still get some growth kick from them. This size mix is a sensible, benchmark‑like foundation that matches what many long‑term investors use.
True holdings
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NV NVIDIA Corporation 5.33%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
AA Apple Inc 2.86%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
AV Broadcom Inc 2.74%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
GO Alphabet Inc Class A 2.47%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
MS Microsoft Corporation 2.14%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
GO Alphabet Inc Class C 1.97%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
AM Amazon.com Inc 1.50%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
JN Johnson & Johnson 1.27%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
MU Micron Technology Inc 1.24%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
ME Meta Platforms Inc. 1.04%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
- Top 10 total 22.56%
Looking through ETFs, the biggest indirect exposures are familiar mega names like NVIDIA, Apple, Broadcom, Alphabet, Microsoft, Amazon, Johnson & Johnson, Micron, and Meta. Some of these show up across more than one fund, which quietly increases concentration: when multiple ETFs hold the same giant company, your fate leans more on it even if you never bought it directly. This matters because a handful of large firms can end up driving a big chunk of your returns and risk. The positive angle is these are diversified businesses, but it’s still worth knowing that your portfolio is more tied to a few mega‑caps than the ticker list suggests.
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 is basically neutral across value, size, momentum, quality, yield, and low volatility, even though one fund has “momentum” in the name. Factors are like investing “ingredients” that explain why groups of stocks behave a certain way—cheap vs expensive, stable vs volatile, trending vs lagging. Here, all readings sit in the neutral band, so you behave a lot like the overall market rather than making big style bets. That’s actually a strong base for many people: you avoid the risk of being heavily exposed to a factor that falls out of favor for a decade. The momentum ETF adds flavor, but in the context of everything else, the overall factor mix stays balanced.
Risk contribution
-
State Street® SPDR® Portfolio S&P 500® ETF
Weight: 43.20% 41.0% -
Invesco S&P 500® Momentum ETF
Weight: 23.30% 28.0% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 28.50% 22.5% -
Fidelity Wise Origin Bitcoin Trust
Weight: 5.00% 8.5%
Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ from its weight. Your broad S&P 500 ETF is 43% of the portfolio and contributes roughly 41% of the risk—almost one‑for‑one, very reasonable. The international ETF is 28.5% of weight but only ~23% of risk, acting as a bit of a diversifier. The momentum ETF, at 23%, contributes about 28% of risk, and bitcoin at just 5% weight drives about 8.5% of risk. That tells you the “spicy” parts punch above their size. If you ever feel the ride is too rough, trimming those higher risk/weight positions is usually the lever, not the broad core 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 risk vs. return chart, the current mix has a Sharpe ratio around 1.01, below both the optimal portfolio (1.32) and the minimum variance option (1.15). Sharpe ratio measures return per unit of volatility, like how much “speed” you get per bump in the ride. The fact that you sit about 1.9 percentage points below the efficient frontier at your current risk level means the same holdings could be reweighted for a better trade‑off. In practice, that might mean a slightly different balance between the broad indices, momentum, and bitcoin, not adding anything new. The good news: you’re already in a solid spot, just not squeezing the absolute most efficiency from what you hold.
Dividends
- Invesco S&P 500® Momentum ETF 0.90%
- Vanguard Total International Stock Index Fund ETF Shares 2.90%
- State Street® SPDR® Portfolio S&P 500® ETF 1.10%
- Weighted yield (per year) 1.51%
The portfolio’s overall dividend yield is around 1.5%, with the international ETF providing the highest yield and the momentum ETF the lowest. Dividend yield is simply the annual cash payout as a percent of your investment, like rent from owning shares. At this level, income is more of a nice side benefit than a core feature; most of your return expectation comes from price growth. That fits a growth‑oriented investor who’s still in the building phase rather than someone relying on cash flows. If income becomes a priority later, shifting some weight toward higher‑yielding strategies could raise the payout, but it usually trades off some growth or factor exposure.
Ongoing product costs
- Fidelity Wise Origin Bitcoin Trust 0.25%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.06%
Your total expense ratio (TER) across the portfolio is impressively low at about 0.06%, with all the core ETFs priced very efficiently and even the bitcoin fund relatively cheap for that space. TER is the annual management fee baked into the fund, not something you pay as a separate bill, but it quietly eats into returns over time. Keeping fees this low is a big structural win because it leaves more of the market’s return in your pocket each year. Over decades, the difference between 0.06% and, say, 0.5% compounds into real money. The cost side here is genuinely best‑in‑class and fully supports long‑term performance.
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