Diversified stock focused portfolio with tech tilt low costs and historically strong but concentrated performance
Report created on Aug 22, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
SC Schwab International Equity ETF
SCHF - US8085248057 24.50% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 24.50% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 21.00% -
CI First Trust NASDAQ Cybersecurity ETF
CIBR - US33734X8469 8.00% -
VF Vanguard U.S. Momentum Factor
VFMO - US9219355081 7.00% -
IB iShares Bitcoin Trust
IBIT - US46438F1012 4.00% -
QT Defiance Quantum ETF
QTUM - US26922A4206 4.00% -
NN NNN REIT, Inc.
NNN - US6374171063 1.75% -
EQ Equinix Inc
EQIX - US29444U7000 1.40% -
FR First Industrial Realty Trust Inc
FR - US32054K1034 1.40% -
KI Kimco Realty Corporation
KIM - US49446R1095 1.40% -
VI VICI Properties Inc
VICI - US9256521090 1.05%
This portfolio is almost entirely in growth‑oriented assets, with 96% in stocks and 4% in crypto. Most of the equity exposure comes through a handful of broad ETFs covering international markets, US large‑cap growth, US dividend payers, and US momentum, plus two smaller thematic funds in cybersecurity and quantum technology. A cluster of individual REIT holdings adds a modest real estate sleeve on top. Structurally, this creates one main engine: listed equities, with a small but punchy satellite in bitcoin. The mix balances diversified core ETFs with more focused “spice” positions, which means overall behavior is driven by equity markets but can be nudged by themes and crypto swings.
Growth
Over the period from early 2024 to mid‑2026, $1,000 in this portfolio grew to about $1,664. That translates to a compound annual growth rate (CAGR) of 21.75%, which is roughly in line with the US market and modestly ahead of the global market benchmark. CAGR is like your average speed on a road trip, smoothing out bumps along the way. The portfolio’s worst peak‑to‑trough drop, or max drawdown, was about -17.6%, slightly gentler than the US benchmark’s decline. Just 20 days made up 90% of the gains, underscoring how a few strong days can dominate outcomes and why staying invested through volatility has mattered historically.
Projection
The Monte Carlo projection uses the portfolio’s past behavior to simulate 1,000 possible 15‑year paths, like running thousands of alternate movie endings. It shows a median outcome where $1,000 grows to about $2,842, with a broad “likely” band from roughly $1,826 to $4,395 and a wider “possible” band from about $949 to $8,078. The average annualized return across simulations is 8.39%, and around three‑quarters of runs end positive. These numbers are not promises; they simply show what could happen if returns and volatility resembled the past. Real‑world results can land outside any simulated range, especially if market conditions change materially.
Asset classes
- Stocks 96%
- Crypto 4%
The asset‑class split is very straightforward: nearly everything is in equities, with a small 4% slice in crypto. That means risk and return are overwhelmingly tied to stock markets rather than bonds or cash. In many broad benchmarks, equities still dominate, but there is usually at least some allocation to fixed income to dampen swings. Here, the crypto allocation adds an extra source of potential upside and downside on top of the equity ride, as bitcoin tends to move in sharp bursts. The overall structure is growth‑oriented, with limited built‑in cushioning from traditionally steadier asset classes.
Sectors
- Technology 31%
- Financials 11%
- Health Care 10%
- Industrials 10%
- Real Estate 8%
- Consumer Discretionary 6%
- Telecommunications 6%
- Consumer Staples 6%
- Energy 5%
- Crypto 4%
- Basic Materials 2%
- Utilities 1%
This breakdown covers the equity portion of your portfolio only.
Sector‑wise, the portfolio leans clearly toward technology at 31%, with the rest spread across financials, health care, industrials, real estate, consumer areas, energy, and utilities. This tech tilt is stronger than in many broad market indices, and is reinforced by the targeted cybersecurity and quantum ETFs plus growth and momentum sleeves, which naturally own more tech‑heavy names. Tech‑heavy mixes can benefit when innovation and growth stocks are in favor, but they often react more sharply during periods of rising interest rates or when investors rotate toward more defensive, cash‑flow focused businesses. The remaining sectors provide some balance, but the tech emphasis remains a defining trait.
Regions
- North America 72%
- Europe Developed 12%
- Japan 6%
- Asia Developed 3%
- Australasia 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, about 72% of the exposure is in North America, with most of the rest in developed Europe and Japan and a smaller slice in other developed Asia and Australasia. Compared with global indices, which often split closer to 60% US and 40% rest of world, this is a noticeable tilt toward North America. That’s a common pattern in US‑based portfolios and has been rewarded in recent years as US markets outperformed many peers. The international ETF adds a meaningful non‑US component, which helps diversify currency and economic drivers, but the center of gravity remains strongly tied to the North American economy and policy environment.
Market capitalization
- Large-cap 39%
- Mega-cap 28%
- Mid-cap 21%
- Small-cap 4%
- Micro-cap 2%
This breakdown covers the equity portion of your portfolio only.
The portfolio spans the market‑cap spectrum but is anchored in larger companies: roughly two‑thirds in mega‑ and large‑caps, about one‑fifth in mid‑caps, and smaller allocations to small and micro‑caps. Large and mega‑caps tend to be more established businesses with deeper liquidity, which can help with stability and trading costs. The presence of mid, small, and micro‑caps introduces more growth potential and idiosyncratic movement, since these companies can swing more on news and have more variable fortunes. Overall, this size mix is broadly similar to many mainstream benchmarks, giving a market‑like footprint while still letting smaller names contribute to total return.
True holdings
-
BT Grayscale Bitcoin Mini Trust (BTC) 4.00%
Part of fund(s):- iShares Bitcoin Trust
-
NV NVIDIA Corporation 2.68%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AA Apple Inc. 2.20%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
MS Microsoft Corporation 1.81%
Part of fund(s):- Defiance Quantum ETF
- Schwab U.S. Large-Cap Growth ETF
-
-
AV Broadcom Inc 1.47%
Part of fund(s):- First Trust NASDAQ Cybersecurity ETF
- Schwab U.S. Large-Cap Growth ETF
-
-
-
-
AM Amazon.com Inc 1.26%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Top 10 total 19.37%
This breakdown covers the equity portion of your portfolio only.
Looking through the ETFs’ top holdings, a few names stand out: bitcoin exposure via a trust, plus NVIDIA, Apple, Microsoft, Broadcom, and Amazon. These large technology and platform companies appear in multiple funds, which can quietly increase concentration even when each ETF looks diversified on its own. For example, NVIDIA’s 2.68% and Apple’s 2.20% combined footprint is meaningful given their volatility and market influence. The individual REITs show up only as direct positions, so their impact is clear and not layered. Because only ETF top‑10 positions are included, actual overlap across all holdings is likely somewhat higher than reported here.
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 generally well‑balanced, with value, size, momentum, quality, and yield all hovering close to “neutral,” meaning the portfolio behaves broadly like the market on those dimensions. The one notable tilt is toward low volatility, at 61%, a mild lean in favor of steadier names relative to the market average of 50%. Factor exposure is like checking which “traits” your portfolio favors; researchers have linked these traits to long‑term return patterns. A low‑vol tilt can sometimes reduce drawdowns and smooth returns, though it may lag during sharp speculative rallies. On the whole, the factor profile looks diversified rather than strongly style‑driven.
Risk contribution
-
Schwab U.S. Large-Cap Growth ETF
Weight: 24.50% 29.0% -
Schwab International Equity ETF
Weight: 24.50% 22.2% -
Schwab U.S. Dividend Equity ETF
Weight: 21.00% 12.2% -
Vanguard U.S. Momentum Factor
Weight: 7.00% 9.5% -
First Trust NASDAQ Cybersecurity ETF
Weight: 8.00% 9.4% - Top 5 risk contribution 82.4%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the three big core ETFs together account for about 70% of the allocation but over 63% of total risk, with the US Large‑Cap Growth ETF alone contributing 29% of volatility. Its risk share is higher than its weight, reflecting the punchier behavior of growth stocks. The momentum and cybersecurity ETFs also punch above their weight in risk terms. This pattern is common: concentrated growth and thematic exposures can dominate portfolio swings even when their percentages look modest on paper.
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.
The risk‑return chart shows the current portfolio delivering a Sharpe ratio of 1.15, which compares excess return over the 4% risk‑free rate to volatility. The efficient frontier, built only from these holdings with different weightings, suggests that at the same risk level, a higher return was historically achievable; the current mix sits about 4 percentage points below that curve. The “optimal” portfolio on this frontier has a higher Sharpe of 1.62, while the minimum variance mix offers lower risk with a Sharpe of 1.27. This means that, based on past data, a different weighting of the same ingredients might have produced a more efficient balance between risk and reward.
Dividends
- First Trust NASDAQ Cybersecurity ETF 0.40%
- Equinix Inc 1.40%
- First Industrial Realty Trust Inc 3.00%
- Kimco Realty Corporation 4.30%
- NNN REIT, Inc. 5.30%
- Schwab U.S. Dividend Equity ETF 3.00%
- Schwab International Equity ETF 3.00%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard U.S. Momentum Factor 0.60%
- VICI Properties Inc 6.80%
- Defiance Quantum ETF 0.80%
- Weighted yield (per year) 1.85%
The portfolio’s overall dividend yield is around 1.85%, combining higher‑yielding REITs and dividend‑focused ETFs with lower‑yielding growth, momentum, and thematic funds. Dividends are the cash payouts companies make from profits, and over long periods they can be a meaningful slice of total return, especially when reinvested. Here, the Schwab US Dividend Equity and Schwab International Equity ETFs both sit around 3%, while the REITs range from about 3% to nearly 7%, adding a clear income flavor. At the same time, growth and tech‑tilted pieces keep the total yield modest, reflecting the portfolio’s combined focus on both income streams and capital appreciation.
Ongoing product costs
- First Trust NASDAQ Cybersecurity ETF 0.59%
- iShares Bitcoin Trust 0.12%
- Schwab U.S. Dividend Equity ETF 0.06%
- Schwab International Equity ETF 0.06%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard U.S. Momentum Factor 0.13%
- Defiance Quantum ETF 0.40%
- Weighted costs total (per year) 0.11%
Costs look impressively low overall, with a weighted total expense ratio (TER) of about 0.11%. TER is the annual fee charged by funds as a percentage of assets, and lowering it leaves more of the portfolio’s return in your pocket each year. Most core ETFs here charge between 0.04% and 0.13%, which is very competitive by industry standards. The more specialized cybersecurity and quantum funds sit higher at 0.59% and 0.40%, which is typical for niche strategies but still a relatively small slice of the whole. This cost structure is a clear strength and provides a solid foundation for compounding over time.
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!
Compare your holdings
How much do the funds you hold actually overlap with the ones people weigh them against?
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