Two funds one pedal to the floor and a quiet obsession with momentum dressed up as diversification
Report created on Jun 17, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 80.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 20.00%
This portfolio is basically a matryoshka doll with only two dolls: an 80% world index and a 20% momentum side-quest. On paper it looks diversified because “total world” sounds like the investing equivalent of eating your vegetables. Then 20% gets carved out for a very specific turbocharged style, creating a weird hybrid of sensible and stunt driving. It’s not chaos, it’s just oddly binary: either you’re in the global market or you’re in a slice that chases what’s been working lately. The structure screams “I like indexing but I also want to feel something,” which can be fun but isn’t exactly nuanced.
Growth
One or more local-currency benchmark funds are unavailable for this report.
Historically, this thing has absolutely flown: $1,000 turning into $4,105 with a 17% CAGR is not shy. It beat the global market by over 2% a year while suffering basically the same ugly COVID drawdown, which is like driving faster than everyone else and still hitting the same potholes. Max drawdown at -33% is firmly “heart‑rate monitor” territory, but not worse than the benchmark, so at least the pain was efficient. Needing just 37 days to make 90% of returns highlights how much this ride depends on a few very good days — miss those and the story looks a lot less heroic. Past data, of course, is yesterday’s weather, not a forecast.
Projection
The Monte Carlo projection is the buzzkill friend here. While history says 17% a year, the simulations calmly dial that down to about 8.2% annualized, with a “most likely” 15‑year outcome of $2,799 from $1,000. Monte Carlo is basically a thousand alternate timelines where markets roll weighted dice over and over, then we see what usually happens. In this case, a 73% chance of being ahead is nice, but that 5–95% range from about $1,031 to $7,742 reminds you this isn’t a straight line to glory. The model is basically saying: “Cool history, but don’t get high on your own backtest.”
Asset classes
- Stocks 100%
Asset class breakdown is simple to the point of stubborn: 100% stocks, nothing else. No bonds, no cash buffer, no real diversifiers — just pure equity roller coaster. That’s like building a house with only glass: great views, dramatic experiences, not much protection when the weather turns. All the risk and return is coming from the same engine, so the portfolio lives or dies on global equity mood swings. This isn’t inherently “wrong,” but calling it “Moderately Diversified” across asset classes is generous; it’s diversified like a menu that offers fries in three sizes and nothing else.
Sectors
- Technology 33%
- Financials 14%
- Industrials 12%
- Telecommunications 8%
- Consumer Discretionary 8%
- Health Care 8%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 4%
- Utilities 2%
- Real Estate 2%
Sector mix says “global market…but with a crush on tech.” Roughly a third in technology means a big bet that code, chips, and platforms will keep ruling the world. Everything else is a supporting cast: financials, industrials, consumer names all trail behind while utilities and real estate are basically background extras. This is what happens when you hold broad cap‑weighted funds in a world where one sector has eaten the profit pie. The risk is that sector leadership rotates and this portfolio keeps staring lovingly at yesterday’s winners. When tech sneezes, this setup will need tissues, tea, and probably a long nap.
Regions
- North America 71%
- Europe Developed 11%
- Asia Developed 5%
- Japan 5%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, this is “USA and friends.” Around 71% in North America, then a sprinkling of Europe, Japan, and token emerging markets. For something with “Total World” in the name, it’s more “World, but only if it already has a developed stock exchange and a tech giant.” This isn’t a conscious America‑max bet so much as a side effect of market‑cap weighting in a US‑dominated world. Still, it means global events that hit the US hard will hit this portfolio equally hard. The so‑called diversification into other regions is more like polite seasoning than actual risk spreading.
Market capitalization
- Mega-cap 42%
- Large-cap 35%
- Mid-cap 17%
- Small-cap 4%
- Micro-cap 1%
Market cap exposure is a love letter to bigness: 42% mega‑cap, 35% large‑cap, with mid and small caps getting the financial equivalent of scraps. That means the portfolio mostly dances to the tune of giant corporations that already dominate indexes and headlines. Smaller companies exist here like background NPCs — technically present, but not driving the story. The upside is fewer truly wild price swings from tiny names; the downside is heavy dependence on a handful of global titans to keep carrying the load. If the giants stall or de‑rate, there isn’t a strong army of hungry smaller players waiting to take over.
True holdings
-
NV NVIDIA Corporation 4.98%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
AA Apple Inc 3.03%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
AV Broadcom Inc 2.70%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.42%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
MS Microsoft Corporation 2.26%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
MU Micron Technology Inc 2.20%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
GO Alphabet Inc Class C 1.91%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total World Stock Index Fund ETF Shares
-
AM Amazon.com Inc 1.75%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.22%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.93%
Part of fund(s):- Vanguard Total World Stock Index Fund ETF Shares
- Top 10 total 23.38%
Look‑through holdings show the usual megacap tech royalty hogging the spotlight: NVIDIA, Apple, Microsoft, Alphabet, Amazon, Meta and friends. They show up across both ETFs, turning the “two‑fund” setup into a “many ways to own the same ten companies” situation. NVIDIA alone near 5% total exposure is doing serious heavy lifting for one ticker. Overlap is probably worse than it looks because only top‑10 data is captured, so the hidden concentration is understated. This is the classic index‑plus‑smart‑beta problem: it feels diversified while quietly doubling down on the same crowd of celebrity stocks.
Factors
Factor profile is almost aggressively neutral across the board: value, size, momentum, quality, yield, low volatility all sit near “meh, just give me the market average.” For a portfolio that explicitly adds a momentum ETF, it’s kind of amusing that the overall factor tilt still comes out basically plain vanilla. It’s like ordering a spicy dish and ending up with medium at best because everything is drowned in index sauce. The upside is that there are no glaring hidden bets on sketchy themes like ultra‑junk or ultra‑tiny stocks. The downside: that extra complexity does remarkably little to change the portfolio’s underlying personality.
Risk contribution
-
Vanguard Total World Stock Index Fund ETF Shares
Weight: 80.00% 78.3% -
Invesco S&P 500® Momentum ETF
Weight: 20.00% 21.7%
Risk contribution is about as straightforward as it gets: the world ETF is 80% of the weight and about 78% of the risk, while the momentum slice is 20% weight and 22% risk. So nothing wildly disproportionate — but it also reveals how little the “fancy” piece actually shifts the portfolio’s overall behavior. Two holdings drive 100% of portfolio risk, which is obvious mathematically but still underlines how binary this setup is. There’s no subtle balance here; just a big core with one lever slapped on the side. If either fund misbehaves, there’s nowhere for the turbulence to hide.
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 actually behaves itself: it sits on or very near the curve, which means you’re at least getting a fair trade between risk and return from these two ingredients. A Sharpe ratio of 0.71 trails the theoretical optimal 1.04 from different weighting, but the optimizer’s dream also cranks risk and return higher. For the given risk level, this setup isn’t wasting potential — it’s surprisingly efficient for something so simple and concentrated. So yes, the mix is basic and a bit redundant, but you didn’t botch the math. Accidental competence is still competence.
Dividends
- Invesco S&P 500® Momentum ETF 0.70%
- Vanguard Total World Stock Index Fund ETF Shares 1.60%
- Weighted yield (per year) 1.42%
Dividend yield at about 1.42% is firmly “don’t quit your day job” territory. This is a capital‑growth portfolio that happens to drip a little income on the side, mostly from the broad world ETF. The momentum sleeve bringing just 0.7% is classic: it chases price winners, not steady payers. Anyone expecting this thing to throw off meaningful cash flow is basically asking a sprinter to moonlight as a rental property. The upside of low yield is fewer tax‑inefficient payouts; the downside is you’re relying almost entirely on price gains to feel good about this. Income tourists will be disappointed.
Ongoing product costs
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- Weighted costs total (per year) 0.08%
Costs are almost suspiciously low: a blended TER of 0.08% is “did the fund company forget to charge rent?” territory. The global ETF at 0.07% and the momentum fund at 0.13% together make for a very cheap experiment in spicing up a vanilla index. There’s not much to roast here besides pointing out that any underperformance can’t be blamed on fees — if the results disappoint, it’s the design, not the toll booth. This is basically first‑class pricing in reverse: you paid economy rates and still got access to a global menu plus a factor tilt. Luck or research, this part is nailed.
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