Chasing obscene yield with training wheels on and a side of accidental crypto chaos
Report created on Mar 23, 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.
What type of investor this portfolio is suitable for
Balanced Investors
This setup suits someone who loves income, can handle some emotional turbulence, and is not shy about complexity. Think: moderate-to-high risk tolerance, happy to watch numbers bounce if the cash flow keeps rolling in. Goals are probably a mix of growth and chunky distributions, not pure capital preservation. Time horizon likely leans long enough to ride out storms, but there’s an impatience for “getting paid now” that shows up in the yield-chasing. This person is okay with crypto being a meaningful side bet and trusts engineered income strategies more than quiet, boring safety nets. They want upside, action, and a statement that looks interesting.
Positions
-
Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 16.50% -
SHP ETF Trust - NEOS S&P 500 High Income ETF
SPYI - US78433H3030 13.50% -
Invesco NASDAQ 100 ETF
QQQM - US46138G6492 11.00% -
Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10.00% -
Vanguard International High Dividend Yield Index Fund ETF Shares
VYMI - US9219467944 10.00% -
NEOS Bitcoin High Income ETF
BTCI 10.00% -
NEOS Nasdaq 100 High Income ETF
QQQI - US78433H6751 9.00% -
Avantis® International Small Cap Value ETF
AVDV - US0250728021 8.00% -
Avantis® Emerging Markets Equity ETF
AVEM - US0250726041 6.00% -
Avantis International Large Cap
AVIV - US0250723642 6.00%
This thing looks like someone tried to build a responsible “balanced” ETF portfolio then slammed the turbo income button and yeeted 10% into a Bitcoin income science experiment. You’ve got plain-vanilla broad market funds sitting next to derivatives-heavy high-income products that basically turn blue-chip indexes into yield piñatas. Structurally it’s mostly stocks plus a crypto sideshow, but the real twist is how many positions are just different wrappers around the same underlying stuff. It’s diversified on the surface, but under the hood it’s more echo chamber than orchestra. Takeaway: decide if the goal is clean, boring growth or souped‑up yield, because right now it’s trying to cosplay as both.
Historical data is limited for this portfolio, which reduces the confidence in the calculated values.
Growth
Over this short window, performance looks suspiciously glorious: 15.3% CAGR versus ~9.3% for the US market and ~11.6% global. CAGR (compound annual growth rate) is just “average speed” for your money, and you’ve been flooring it. Max drawdown at -16.2% is actually *less* ugly than the US benchmark’s -18.8%, which is impressive for something with crypto strapped on. But this is based on less than two years of data, which is basically judging a marathon on the first mile downhill with a tailwind. Past data is like yesterday’s weather — vaguely helpful, absolutely not a prophecy. Nice start, but don’t get emotionally attached to these numbers.
Due to limited historical data, this may show extreme values that are not realistic.
Projection
The Monte Carlo projection basically took your short, hot streak and said, “Cool, let’s assume this party never ends.” Monte Carlo just runs thousands of what-if paths using past returns — like simulating 1,000 alternate timelines for your money. Median result: about 790% total return over 10 years, and even the 5th percentile is a chunky 131%. That sounds amazing, but with less than two years of history, this is closer to fan fiction than a forecast. High-yield, option-heavy, crypto‑linked products tend to look great until they very much don’t. Treat those optimistic projections as “here’s what *might* happen,” not “here’s what *will* happen.”
Asset classes
- Stocks 89%
- Crypto 10%
- Cash 1%
Asset classes: 89% stock, 10% crypto, 1% cash. For something labeled “Balanced,” this is basically an equity rocket with a Bitcoin booster and a single dollar bill in the glovebox. No bonds, no real ballast — just vibes and volatility. If markets behave, this mix can compound nicely; if not, there’s nothing in here designed to cushion hits. Think of it as driving a sports car year-round with summer tires: amazing on dry roads, sketchy in storms. Takeaway: if the word “balanced” is supposed to mean smoother rides, this setup is lying to your face. It’s a growth engine with a yield costume.
Sectors
- Technology 24%
- Financials 14%
- Crypto 10%
- Consumer Discretionary 10%
- Industrials 10%
- Telecommunications 8%
- Health Care 6%
- Basic Materials 5%
- Consumer Staples 5%
- Energy 5%
- Utilities 2%
- Real Estate 1%
Sector-wise, you’re running Tech at 24% and then spraying the rest somewhat sensibly across financials, cyclicals, industrials, and so on. Crypto is 10% as its own “sector,” which is generous — it’s more like the chaos department. Tech isn’t extreme by modern index standards, but combined with all the Nasdaq-heavy income products, your sensitivity to growth and “everything digital” is pretty high. This is not a widow-and-orphans portfolio; it’s more like “I enjoy earnings season drama.” Takeaway: if tech and crypto both get punched at the same time, don’t act surprised when the statement looks like a crime scene.
Regions
- North America 53%
- Europe Developed 15%
- Japan 7%
- Asia Developed 5%
- Asia Emerging 5%
- Australasia 2%
- Africa/Middle East 2%
- Latin America 1%
Crypto positions are excluded from this geography breakdown.
Geographically, it’s very “USA first, world as a side quest”: 53% North America, then a scattered but respectable spread across Europe, Japan, developed Asia, and emerging markets. For an American investor, that’s actually surprisingly sane — you didn’t go full “America or nothing.” The tilt is still home-biased, but the international sleeves, plus emerging markets and smaller foreign companies, give at least some non-US flavor. That said, when the big US names dominate the look-through, you’re still spiritually very tied to US large-cap growth. Rough rule: this setup will live or die mostly with US equity sentiment, even if the map looks global.
Market capitalization
- Mega-cap 39%
- Large-cap 27%
- Mid-cap 18%
- Small-cap 5%
- Micro-cap 1%
Crypto positions are excluded from this market-cap breakdown.
Market cap spread is classic benchmark hugging with a twist: 39% mega, 27% big, 18% mid, 5% small, and a lonely 1% micro. This is basically “I like the big celebrities but I’ll keep a few indie bands in the playlist so I look cultured.” There’s no wild small-cap gamble here, which is good; your main risk comes from concentration and yield-chasing, not from tiny speculative names. Takeaway: if the goal was a core plus a little seasoning, the size profile actually nailed that. The problem is less *what* you own by size, and more *how many times* you own the same giants.
True holdings
-
NVIDIA Corporation 3.78%Part of fund(s):
- Invesco NASDAQ 100 ETF
- NEOS Nasdaq 100 High Income ETF
- SHP ETF Trust - NEOS S&P 500 High Income ETF
- Schwab U.S. Broad Market ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
Apple Inc 3.32%Part of fund(s):
- Invesco NASDAQ 100 ETF
- NEOS Nasdaq 100 High Income ETF
- SHP ETF Trust - NEOS S&P 500 High Income ETF
- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
Microsoft Corporation 2.57%Part of fund(s):
- Invesco NASDAQ 100 ETF
- NEOS Nasdaq 100 High Income ETF
- SHP ETF Trust - NEOS S&P 500 High Income ETF
- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
Amazon.com Inc 1.88%Part of fund(s):
- Invesco NASDAQ 100 ETF
- NEOS Nasdaq 100 High Income ETF
- SHP ETF Trust - NEOS S&P 500 High Income ETF
- Schwab U.S. Broad Market ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
Alphabet Inc Class A 1.59%Part of fund(s):
- Invesco NASDAQ 100 ETF
- NEOS Nasdaq 100 High Income ETF
- SHP ETF Trust - NEOS S&P 500 High Income ETF
- Schwab U.S. Broad Market ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
Meta Platforms Inc. 1.38%Part of fund(s):
- Invesco NASDAQ 100 ETF
- NEOS Nasdaq 100 High Income ETF
- SHP ETF Trust - NEOS S&P 500 High Income ETF
- Schwab U.S. Broad Market ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
Alphabet Inc Class C 1.35%Part of fund(s):
- Invesco NASDAQ 100 ETF
- NEOS Nasdaq 100 High Income ETF
- SHP ETF Trust - NEOS S&P 500 High Income ETF
- Schwab U.S. Broad Market ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
Broadcom Inc 1.34%Part of fund(s):
- Invesco NASDAQ 100 ETF
- NEOS Nasdaq 100 High Income ETF
- SHP ETF Trust - NEOS S&P 500 High Income ETF
- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
Tesla Inc 1.29%Part of fund(s):
- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- NEOS Nasdaq 100 High Income ETF
- SHP ETF Trust - NEOS S&P 500 High Income ETF
- Schwab U.S. Broad Market ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
Grayscale Bitcoin Mini Trust (BTC) 1.05%Part of fund(s):
- NEOS Bitcoin High Income ETF
- iShares Bitcoin Trust
- Top 10 total 19.55%
The look-through holdings scream “I love the Magnificent Seven and want them in every costume possible.” NVIDIA, Apple, Microsoft, Amazon, Alphabet (twice), Meta, Broadcom, Tesla — you’re triple-dipping these via multiple ETFs. Overlap is understated because we only see ETF top 10s, so the true concentration is probably higher. This is like ordering a “variety platter” and getting nine dishes all based on the same sauce. Hidden concentration means when big tech sneezes, your whole portfolio catches pneumonia. Takeaway: if multiple ETFs are giving you the same top holdings, you’re paying extra to pretend you’re diversified when you’re really not.
Factors
Factor exposure is screaming Yield, Size, and Value with an almost comical lean to Yield (85%) and solid nods to Value (66%) and Size (72%). Factors are basically the hidden “flavors” of your portfolio — like spicy, salty, sweet for investing. Here, you’ve gone hard on “pays me now,” with a side of smaller and cheaper stocks. Momentum is middling, low volatility is moderate, so you’re not exactly building a safety net. Loading up on yield via complex products plus value-tilted international stuff can do great in some regimes and ugly in others. It’s like eating only heavy comfort food: awesome now, maybe regrettable when conditions change.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 16.50% 16.9% -
NEOS Bitcoin High Income ETF
Weight: 10.00% 16.1% -
Invesco NASDAQ 100 ETF
Weight: 11.00% 13.5% -
SHP ETF Trust - NEOS S&P 500 High Income ETF
Weight: 13.50% 11.5% -
NEOS Nasdaq 100 High Income ETF
Weight: 9.00% 9.4% - Top 5 risk contribution 67.3%
Risk contribution shows who’s really driving the mood swings, and surprise: your 10% NEOS Bitcoin High Income position is hogging 16% of portfolio risk. Risk contribution is basically “who’s shaking the portfolio the hardest,” not just “who’s biggest.” That holding has a risk-to-weight ratio of 1.61 — it’s punching way above its pay grade. Top three holdings together drive almost half the total risk, so diversification isn’t doing nearly as much work as you might think. Takeaway: if one flashy position consistently contributes way more risk than weight, trimming it isn’t boring — it’s how you avoid learning volatility lessons the expensive way.
Redundant positions
-
High correlationVanguard International High Dividend Yield Index Fund ETF SharesVanguard Total International Stock Index Fund ETF SharesAvantis International Large CapAvantis® International Small Cap Value ETF
-
High correlationInvesco NASDAQ 100 ETFSHP ETF Trust - NEOS S&P 500 High Income ETFNEOS Nasdaq 100 High Income ETFVanguard Total Stock Market Index Fund ETF Shares
Correlation here is… high. Your US funds (broad market, S&P high income, Nasdaq high income, plain Nasdaq 100) basically move like a boy band — slightly different outfits, same choreography. Same story with the cluster of international funds. Correlation just means “how often things move together,” and lots of “together” means your diversification is more cosmetic than functional. When markets fall, this group project is going down as a team. Takeaway: owning five highly similar funds is not diversification, it’s collecting brand names. If the goal is smoother rides, you’d need stuff that actually zig when the rest zag, not clones.
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.
On the risk/return chart, this portfolio is straight-up underachieving. Expected return 15.85% with risk at 16.31% gives a Sharpe ratio of 0.85, while the optimal mix of the *same holdings* hits a Sharpe of 1.67 with similar risk. The efficient frontier is just the “best possible tradeoff line,” and you’re sitting below it like a student who studied the wrong chapters. Even the minimum-variance version of your own ingredients beats your current setup on risk-adjusted terms. Translation: this isn’t a holdings problem, it’s a weighting problem. The irony is brutal — you already own the right toys; you just arranged them in a suboptimal, drama-heavy way.
Dividends
- Avantis® International Small Cap Value ETF 3.10%
- Avantis® Emerging Markets Equity ETF 2.50%
- Avantis International Large Cap 3.10%
- NEOS Nasdaq 100 High Income ETF 16.10%
- Invesco NASDAQ 100 ETF 0.50%
- SHP ETF Trust - NEOS S&P 500 High Income ETF 13.60%
- Vanguard Total Stock Market Index Fund ETF Shares 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 2.90%
- Vanguard International High Dividend Yield Index Fund ETF Shares 2.90%
- NEOS Bitcoin High Income ETF 46.70%
- Weighted yield (per year) 9.37%
A 9.37% total yield is… aggressively thirsty. That’s not “nice income,” that’s “are we sure this isn’t a trap?” You’ve crammed in high-income ETFs where yields in the mid-teens and even 40%-plus for the Bitcoin income product are clearly juiced by options and structurally unsustainable payouts. High yield can be fine; weaponized yield is usually just volatility dressed as generosity. Dividends are great when they’re a byproduct of solid businesses, not a financial engineering project. Takeaway: if the cash flow looks too good to be true, it usually comes with trade-offs like capped upside, higher risk, or brutal cuts when markets shift.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® Emerging Markets Equity ETF 0.33%
- Avantis International Large Cap 0.25%
- NEOS Nasdaq 100 High Income ETF 0.68%
- Invesco NASDAQ 100 ETF 0.15%
- SHP ETF Trust - NEOS S&P 500 High Income ETF 0.68%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
- Weighted costs total (per year) 0.27%
Total TER at 0.27% is actually pretty decent, especially considering how many spicy, actively flavored ETFs you crammed in here. The cheap Vanguard cores (0.03%, 0.05%) are doing the Lord’s fee work while the NEOS funds quietly skim 0.68% for the privilege of spraying out high income. Costs aren’t killing you, but they’re also not minimal; you’re paying a modest cover charge to sit at the fancy options-and-income table. Takeaway: if you ever dial back the yield circus and lean more on plain core funds, you could shave costs further without losing much real-world benefit.
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