This portfolio has only about 1.8 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.

Growth focused dividend tilt with strong US bias and pockets of speculative satellite risk

Report created on Mar 25, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is built around a big core of broad US stocks plus a heavy tilt to dividend ETFs, with smaller “satellite” slices in high-growth names, leveraged tech, and a small crypto stake. Around two thirds sits in two core ETFs, which is a clear anchor. The rest mixes dividend enhancers, small-cap value, individual growth stocks, and one leveraged ETF, giving it a Growth profile with an income flavor. Structurally this is a classic “core and satellites” setup. That’s useful because the core can drive long-term stability and market-like behavior, while satellites are where risk and potential outperformance concentrate. The key is being intentional about how much risk you want in those satellites relative to the calm core.

Growth Info

Over the short track record shown, the portfolio beat both the US and global market benchmarks, with a CAGR of 16.86% versus 12.61% and 14.42%. CAGR (compound annual growth rate) is like your average speed on a road trip, smoothing out bumps. The flip side is a max drawdown of -24.55%, meaning at one point it was down about a quarter from a peak, noticeably deeper than both benchmarks. Also, just seven days drove 90% of total returns, showing performance has been very spiky. That pattern is typical of growth-tilted, concentrated risk. It’s encouraging to see outperformance, but the short history and higher drawdowns mean you should treat this as an early snapshot, not a guarantee of future behavior.

Projection Info

The Monte Carlo projection takes the portfolio’s past daily ups and downs and simulates 1,000 possible future paths over 10 years to see a range of outcomes. Think of it as rerunning the last couple of years with the volatility shuffled around in many different ways. The median result shows more than tripling, but the 5th percentile is an -87% loss, which is extremely harsh. The very high average simulated return (over 30% annually) is almost certainly inflated by the short, strong history and leveraged exposure. With less than two years of data, these simulations are more like rough weather scenarios than precise forecasts, so the takeaway is mainly that this portfolio can experience both very strong growth and very deep drawdowns.

Asset classes Info

  • Stocks
    96%
  • Crypto
    3%
  • Cash
    2%

The portfolio is overwhelmingly in stocks at 96%, with about 3% in crypto and a small cash slice. That’s a classic high-growth profile: almost everything is exposed to market risk, with little in defensive assets like bonds. For a long horizon and strong risk tolerance, this lines up well with an aggressive accumulation mindset. The small crypto piece adds another layer of volatility but doesn’t dominate the overall mix. Relative to more balanced portfolios, this setup will likely feel much more exciting in bull markets and more painful in big drawdowns. The main implication is that any near-term spending needs or emergency savings should ideally be kept outside this portfolio, so short-term volatility doesn’t cause forced selling.

Sectors Info

  • Technology
    21%
  • Health Care
    15%
  • Financials
    12%
  • Telecommunications
    9%
  • Consumer Discretionary
    9%
  • Industrials
    9%
  • Energy
    8%
  • Consumer Staples
    8%
  • Real Estate
    3%
  • Crypto
    3%
  • Basic Materials
    2%
  • Utilities
    2%

Sector-wise, the portfolio is fairly spread out but clearly growth-tilted: technology is the largest slice at 21%, followed by healthcare, financials, communication services, cyclicals, and industrials in roughly similar mid-single-digit chunks. Energy, consumer defensive, real estate, utilities, and basic materials all appear in modest but meaningful sizes, which is a good sign of breadth. This sector mix actually looks quite close to broad US market norms, which is helpful because it avoids a single narrow bet dominating everything. The main nuance is that within tech and growth-linked areas you’ve layered some additional risk via NASDAQ exposure and a leveraged QQQ fund, which can make sector-level volatility feel amplified during fast market moves.

Regions Info

  • North America
    97%
  • Europe Developed
    1%

Geographically, the portfolio is almost pure North America at 97%, with just a token amount in developed Europe. That’s very common for US-based investors but does differ from global benchmarks, where the US is closer to 60% of world equity markets. A strong US bias has been a tailwind over the past decade, since US equities have outperformed many other regions. The trade-off is that your outcomes are tightly linked to the US economy, policy, and currency. If non-US markets outperform for a stretch, this setup might lag. The key question is whether that US-centric stance is a conscious choice. If it is, the alignment with US-focused benchmarks and simplicity are clear strengths.

Market capitalization Info

  • Large-cap
    43%
  • Mega-cap
    23%
  • Mid-cap
    22%
  • Small-cap
    6%
  • Micro-cap
    2%

The market cap breakdown leans heavily into bigger companies: 43% in big caps and 23% in mega caps, with medium caps at 22% and only small and micro caps making up around 8% combined. That’s roughly similar to a standard US total market profile, with a slight extra nudge toward smaller names via your small-cap value ETF and some individual growth stocks. Bigger companies usually bring more stability and liquidity, while smaller companies can offer higher growth potential but swing more wildly. This mix gives a sensible anchor in established firms while still leaving room for smaller, potentially more explosive names to influence returns, without turning the portfolio into a small-cap rollercoaster.

True holdings Info

  • Apple Inc
    3.45%
    Part of fund(s):
    • Amplify CWP Enhanced Dividend Income ETF
    • Fidelity® High Dividend ETF
    • Invesco NASDAQ 100 ETF
    • ProShares UltraPro QQQ
    • Vanguard Total Stock Market Index Fund ETF Shares
  • NVIDIA Corporation
    3.32%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • Invesco NASDAQ 100 ETF
    • ProShares UltraPro QQQ
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    2.72%
    Part of fund(s):
    • Amplify CWP Enhanced Dividend Income ETF
    • Fidelity® High Dividend ETF
    • Invesco NASDAQ 100 ETF
    • ProShares UltraPro QQQ
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Robinhood Markets Inc
    2.54%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    Direct holding 2.50%
  • Reddit, Inc.
    2.51%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    Direct holding 2.50%
  • Chevron Corp
    1.80%
    Part of fund(s):
    • Amplify CWP Enhanced Dividend Income ETF
    • Schwab U.S. Dividend Equity ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    1.59%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • ProShares UltraPro QQQ
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Realty Income Corporation
    1.56%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    Direct holding 1.50%
  • Merck & Company Inc
    1.45%
    Part of fund(s):
    • Amplify CWP Enhanced Dividend Income ETF
    • Schwab U.S. Dividend Equity ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    1.43%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • Invesco NASDAQ 100 ETF
    • ProShares UltraPro QQQ
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 22.37%

Looking through the ETFs, the portfolio’s biggest underlying company exposures are well-known large US names like Apple, NVIDIA, Microsoft, Amazon, Alphabet, and Chevron, plus your direct positions in Robinhood, Reddit, and Realty Income. Apple and NVIDIA each sit above 3%, which is a meaningful but not extreme single-name exposure given the overall size of the core ETFs. The overlap between your stock picks and ETF holdings is limited, so “hidden” concentration is modest, mainly in popular mega-cap tech. That’s actually a positive alignment: broad ETFs are doing most of the heavy lifting, while direct picks add specific tilts without completely dominating risk through duplicate exposure.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 45%
Size
Exposure to smaller companies
High
Data availability: 58%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
High
Data availability: 12%
Yield
Preference for dividend-paying stocks
Very high
Data availability: 36%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 96%

Factor-wise, the portfolio has strong tilts to yield, size, and value, with moderate exposure to quality and low volatility, and a somewhat lower momentum score. Factors are like the underlying “personality traits” of your holdings that research has linked to long-term returns. A high yield tilt reflects the big allocation to dividend strategies, which can support a steadier cash-flow profile. The size and value tilt, helped by small-cap value exposure and dividend funds, often behaves differently from growth-heavy market swings. The moderate low-vol and quality signals suggest some defense built in, even though overall risk is still high. This combination means the portfolio should do relatively well in environments where income, cheaper stocks, or smaller companies come back into favor.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 42.50%
    37.5%
  • Schwab U.S. Dividend Equity ETF
    Weight: 25.00%
    14.0%
  • ProShares UltraPro QQQ
    Weight: 2.50%
    7.7%
  • Robinhood Markets Inc
    Weight: 2.50%
    6.9%
  • Reddit, Inc.
    Weight: 2.50%
    5.2%
  • Top 5 risk contribution 71.3%

Risk contribution shows how much each holding adds to overall portfolio volatility, which can differ a lot from its simple weight. The total market ETF is 42.5% of the portfolio but contributes about 37.5% of the risk, so it’s actually slightly less risky than its size suggests. The dividend ETF is similar, pulling its weight without over-amplifying risk. In contrast, the leveraged ProShares UltraPro QQQ is just 2.5% by weight but contributes 7.7% of total risk, and Robinhood and Reddit each punch well above their weights too. That’s a classic sign that the most volatile satellites dominate the “stress” you’ll feel. Trimming or size-limiting the spiciest positions is a straightforward way to better align portfolio risk with your intended comfort level.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Invesco NASDAQ 100 ETF
    ProShares UltraPro QQQ
    High correlation

The correlation analysis shows that your broad US market ETF, NASDAQ 100 ETF, and the leveraged QQQ all move very closely together. Correlation simply measures how often assets move in the same direction; high correlation means they tend to rise and fall together. That limits diversification benefits during market selloffs because those pieces all get hit at the same time. On the positive side, this alignment explains why the portfolio’s behavior tracks US growth equities so strongly, which matches your stated Growth profile. However, it also means that if you wanted to soften drawdowns without changing the stock/bond mix, shifting some exposure into assets that don’t closely track big US tech would generally provide more “true” diversification.

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–return chart, the current portfolio sits below the efficient frontier, which means that, using just your existing holdings, different weightings could deliver either higher expected return for the same risk or lower risk for a similar return. The efficient frontier is simply the curve of “best possible” combinations. Your current Sharpe ratio (return per unit of risk) is 0.88, while the optimal mix hits about 1.56, and even the minimum-variance mix scores better. The encouraging part is that the tools to improve are already there — no need for new products. Rebalancing away from highly volatile, overlapping positions and toward a smoother blend of your existing core and factor exposures could meaningfully sharpen the portfolio’s overall efficiency.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Amplify CWP Enhanced Dividend Income ETF 4.30%
  • Fidelity® High Dividend ETF 3.00%
  • Realty Income Corporation 5.30%
  • Invesco NASDAQ 100 ETF 0.40%
  • Schwab U.S. Dividend Equity ETF 3.40%
  • ProShares UltraPro QQQ 0.80%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Weighted yield (per year) 1.89%

The overall dividend yield of about 1.89% is modestly above the broad US market, largely driven by several dedicated dividend ETFs and Realty Income’s higher payout. That’s a nice middle ground: there is meaningful cash flow, but you haven’t sacrificed everything for very high yield. Higher-yielding strategies can help smooth the ride psychologically because you’re getting paid while you wait, even during flat or choppy markets. At the same time, a strong focus on dividends alone can sometimes tilt a portfolio away from faster-growing names. Here, the total market and NASDAQ exposure keep a growth engine running, so dividends are more of a supportive income feature than the single defining goal.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Amplify CWP Enhanced Dividend Income ETF 0.56%
  • Fidelity® High Dividend ETF 0.15%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • ProShares UltraPro QQQ 0.88%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.11%

Your total expense ratio of roughly 0.11% is impressively low, especially for a portfolio that isn’t just one or two broad ETFs. Most of the building blocks, like the total market and major dividend ETFs, are ultra-cheap, and even the more specialized funds are reasonably priced. Costs act like friction on performance: shaving even a few tenths of a percent each year can compound into a big difference over decades. Being this close to “institutional level” fees is a real strength and aligns well with best practices. It means more of the portfolio’s returns stay in your pocket, so the main battle becomes market behavior and allocation choices, not fee drag.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

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