Momentum junkie portfolio trying to cosplay as a sensible diversified index investor
Report created on Jun 21, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VE Vanguard FTSE Developed Markets Index Fund ETF Shares
VEA - US9219438580 26.00% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 26.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 20.00% -
VT Vanguard Value Index Fund ETF Shares
VTV - US9229087443 20.00% -
VW Vanguard FTSE Emerging Markets Index Fund ETF Shares
VWO - US9220428588 8.00%
This portfolio looks like someone started building a boring three-fund setup and then panic-bought “spicy” ETFs. Half the money sits in broad vanilla index funds, which is textbook sensible. Then 40% suddenly swerves into a pure momentum sleeve and a dedicated value sleeve like it’s trying to role‑play two opposite strategies at once. It’s basically a tug-of-war between “chase what’s hot” and “buy what’s cheap,” with a side of emerging markets tossed in so it feels worldly. Structurally, it’s not chaos, but it’s definitely confused. The mix suggests a portfolio that wants factor tilts but can’t decide which personality it’s committing to.
Growth
Historically, this thing has done very well on paper: $1,000 turning into $4,078 and a 16.91% CAGR is nothing to sniff at. CAGR, or Compound Annual Growth Rate, is just the averaged-out yearly speed of your money over the trip. The roast: it still managed to lag the plain US market by 0.60% a year while taking almost the same gut-punch drawdown of about -34%. It did beat the global market nicely, but that’s mostly the US tilt doing the work, not some genius structure. Also, 38 days created 90% of returns — miss a handful of those and this track record suddenly looks a lot less heroic.
Projection
The Monte Carlo projection brings this portfolio back down to earth fast. Monte Carlo basically runs thousands of “what if” futures by scrambling returns in different ways, like simulating 1,000 alternate timelines. Median outcome: $1,000 limps to $2,641 in 15 years — fine, but nowhere near the historical rocket ride. The “possible” range from roughly $1,000 to $7,163 says everything from “you went nowhere for 15 years” to “you got lucky in a strong run” is fair game. That 7.83% annualized projected return is history with a reality filter on. Past data is yesterday’s weather; useful, but it doesn’t sign any guarantees.
Asset classes
- Stocks 100%
On asset classes, this is 100% stocks and 0% everything else, like bonds and cash never existed. That’s basically playing the markets on hard mode — full offense, no defense. Being all-equity isn’t automatically wrong, but it does mean every mood swing in global stocks goes straight through to the account balance. No shock absorbers, just raw volatility. It’s the portfolio equivalent of taking corners at full speed and trusting the tires. The nice part is clarity: at least it’s honest about being a growth-chaser. The dark side is that any serious bear market turns the statement into a roller coaster chart.
Sectors
- Technology 28%
- Financials 16%
- Industrials 13%
- Health Care 9%
- Consumer Discretionary 6%
- Telecommunications 6%
- Consumer Staples 6%
- Energy 5%
- Basic Materials 4%
- Utilities 3%
- Real Estate 2%
Sector-wise, tech is clearly the favorite child at 28%, with financials and industrials trailing behind like the kids no one brags about. The distribution does roughly resemble a broad market, but the momentum sleeve quietly juices the tech and chip exposure further — hence the heavy look-through names like NVIDIA and Micron. This isn’t cartoon-level sector concentration, but it leans into the same growthy areas everyone else already piled into. If the trendy stuff keeps winning, this works; if not, the portfolio discovers what “cyclicality” feels like. It’s not a one-sector bet, but it’s definitely sitting closer to the hot-money table than the boring-diversified one.
Regions
- North America 69%
- Europe Developed 13%
- Japan 5%
- Asia Developed 5%
- Asia Emerging 4%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, this portfolio screams “USA first, everyone else eventually.” With 69% in North America, it’s basically letting one region drive and tossing the rest of the world in the back seat as decoration. Developed ex-US and emerging markets exist here, but they’re side characters, not leads. For a “global-ish” setup, it’s really a US+friends arrangement. That tilt has been rewarded in recent history, which is exactly how people end up convinced it’s always the right call. The risk is simple: if US leadership cools off or other regions catch up, this portfolio is still heavily bet on the home team scoreboard staying in its favor.
Market capitalization
- Large-cap 39%
- Mega-cap 37%
- Mid-cap 19%
- Small-cap 3%
- Micro-cap 1%
Market cap tilt? This thing is worshipping the giants. Mega-cap plus large-cap together make up 76%, with mid, small, and micro-caps tossed in like garnish to pretend it’s adventurous. So most of the portfolio’s fate rests on the biggest names that already dominate the headlines and main indexes. It’s basically saying, “I believe in the winners that already won.” That can be fine, but it also means less exposure to the parts of the market that behave differently when the giants stumble. The tiny allocation to actual small and micro means the “Total Stock Market” label is more marketing than meaningful risk diversification.
True holdings
-
NV NVIDIA Corporation 3.38%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 3.04%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Value Index Fund ETF Shares
-
AV Broadcom Inc 2.06%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.70%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 1.64%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.34%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
JN Johnson & Johnson 1.25%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Value Index Fund ETF Shares
-
MS Microsoft Corporation 1.20%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.17%
Part of fund(s):- Vanguard FTSE Emerging Markets Index Fund ETF Shares
-
XO Exxon Mobil Corp 1.06%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Value Index Fund ETF Shares
- Top 10 total 17.84%
Look-through holdings show the usual suspects hogging the spotlight again: NVIDIA, Micron, Broadcom, Alphabet, Apple, Microsoft, TSMC — the standard mega-cap tech fan club. The overlap means the same few companies sneak in through multiple funds, so the real exposure to those names is higher than any single ETF weight implies. And that’s based only on top-10 ETF holdings; the true overlap is almost certainly worse. This is the classic hidden concentration problem: the portfolio pretends to be diversified across funds, but under the hood it’s just re-wrapping the same market darlings several times over and calling it variety.
Factors
Factor exposure is unintentionally hilarious here. Officially it’s a “high” tilt to value at 62%, while running a 20% dedicated momentum fund. Value and momentum are like flooring the gas and slamming the brake at the same time — opposite signals jammed into one car. The rest of the factors — size, momentum, quality, yield, low volatility — sit near neutral, basically market-like. Factor exposure is just the recipe card for your returns: which traits your holdings lean into. This portfolio ended up with a value-ish flavor while still paying extra for a momentum ETF, which is a weird way to hedge against your own conviction.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 26.00% 27.5% -
Vanguard FTSE Developed Markets Index Fund ETF Shares
Weight: 26.00% 24.7% -
Invesco S&P 500® Momentum ETF
Weight: 20.00% 22.1% -
Vanguard Value Index Fund ETF Shares
Weight: 20.00% 18.3% -
Vanguard FTSE Emerging Markets Index Fund ETF Shares
Weight: 8.00% 7.5%
Risk contribution is surprisingly tidy: each holding is more or less pulling risk in line with its weight, with the top three positions contributing 74% of the total risk on 72% of the capital. Risk contribution tells you who’s actually rocking the boat, not just who’s big on paper. Nothing here is wildly punching above its weight — the momentum ETF is the spiciest, but even that only modestly over-earns its share of volatility. The overall message: this isn’t a grenade hidden inside a small position, it’s just a straightforward cluster of big, broad equity funds that all rise and fall together.
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, this portfolio is basically leaving free money on the table with its current mix. The efficient frontier is the curve of “best possible” return for each risk level using just your existing ingredients. Your setup sits 1.13 percentage points below that line at its current risk. The Sharpe ratio — return per unit of volatility, like miles per gallon for risk — is 0.72, while a reweighted combo of the same funds could hit 1.06. In plain English: even with only these ETFs, a different blend could deliver much more payoff for the same stomach churn.
Dividends
- Invesco S&P 500® Momentum ETF 0.60%
- Vanguard FTSE Developed Markets Index Fund ETF Shares 2.60%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Value Index Fund ETF Shares 1.80%
- Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.64%
The dividend profile is almost an afterthought here, with a total yield of 1.64%. That’s not an income strategy; that’s loose change falling out of the couch. The value and ex-US funds do some heavy lifting, while the momentum sleeve contributes basically a rounding error at 0.60%. Dividends aren’t everything, but relying on this portfolio for meaningful cash flow would be like trying to live off free samples at Costco — not happening. Functionally, this is a growth and capital appreciation setup with a small side of yield to make the statement look less bare.
Ongoing product costs
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Value Index Fund ETF Shares 0.04%
- Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
- Weighted costs total (per year) 0.06%
Costs are the one area where this portfolio accidentally looks sharp. A total TER of 0.06% is impressively low — that’s “clicked the cheapest buttons on the screen” territory. The only slightly pricier piece is the momentum ETF at 0.13%, which is still hardly outrageous. TER, or Total Expense Ratio, is the silent drip fee that shaves off returns each year; at this level, the shaving is more like light exfoliation. You’re not burning money on fees, which makes the slight underperformance to the US market even more awkward — can’t even blame expensive products for it.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
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