This portfolio has only about 8 months 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.
Roast mode 🔥

Cash hoarder growth portfolio that wants excitement but keeps one foot on the brake

Report created on May 7, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio looks like it was built by committee: 20% hiding in a government money market fund while the rest chases growth, dividends, bonds, and even a token sliver of gold. It’s “growth” with a built‑in security blanket. The structure is basically a core stock index sandwich with dividend tilt, a side of bonds, and a big scoop of cash on top. With only about eight months of history, the whole thing is still in the “trial period,” so any “this always works” narrative is fantasy. Right now it’s diversified in a broad, slightly confused way: plenty of ingredients, but no clear recipe beyond “don’t let this thing move too much.”

Growth Info

Over this tiny eight‑month window, the portfolio turned $1,000 into about $1,103, which sounds nice until you notice the US and global markets ran laps around it. CAGR near 92% versus the US at 127% and global at 158% screams “played it safe while everything else went nuts.” Max drawdown of only about -4% is gentle, but over eight months that tells you almost nothing about how it behaves in a real bear market. Three days made up 90% of returns, which is classic: miss a handful of party days and you’re just the one holding the coats. Past data this short is more noise than pattern.

Projection Info

The Monte Carlo projection is basically a guessing machine fed eight months of diet data, so treat the numbers like a rough sketch, not a prophecy. Simulations say $1,000 “most likely” lands around $2,430 in 15 years, with a wide possible range from “mildly disappointing” to “solid win.” Annualized return across all simulations is about 6.7%, which is pretty middle‑of‑the‑road for a portfolio that claims to be growth‑oriented. Also note: the assumed cash return isn’t far behind, which is a subtle way of saying this setup isn’t taking full advantage of risk. With so little history, the model is basically extrapolating yesterday’s weather into a 15‑year climate forecast.

Asset classes Info

  • Stocks
    66%
  • Cash
    20%
  • Bonds
    13%
  • Other
    1%

Asset‑class mix is 66% stocks, 20% cash, 13% bonds, and 1% “shiny object” (gold). For something flagged as “growth,” that much cash is like going to the gym and spending a fifth of the time sitting in the parking lot. The bond slice is standard‑issue vanilla, nothing outrageous, but together with cash it tones down volatility a lot. That’s fine if the goal is a smoother ride, but then calling this “growth” is a bit generous. Over long stretches, a big cash bucket usually drags on compounding; here it’s basically the portfolio’s emotional support animal, comforting but not exactly pulling its weight.

Sectors Info

  • Cash
    20%
  • Technology
    18%
  • Financials
    10%
  • Industrials
    7%
  • Health Care
    7%
  • Consumer Discretionary
    6%
  • Telecommunications
    5%
  • Consumer Staples
    4%
  • Energy
    4%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector spread looks textbook diversified at first glance: tech, financials, industrials, health care, plus a bit of everything else. Then cash shows up as the single biggest “sector” at 20%, which is both safe and slightly embarrassing. Technology at 18% is meaningful but not outrageous, especially given the mega‑cap and S&P focus. Dividend‑tilted funds introduce heavier exposure to more old‑school sectors like financials and staples, giving the portfolio a “growth but not too spicy” flavor. Because this is built mostly from broad funds, there’s no insane sector bet, but also no real identity beyond “index‑ish with a side of income.” It’s the sector equivalent of ordering the sampler platter.

Regions Info

  • North America
    56%
  • Cash
    20%
  • Europe Developed
    4%
  • Asia Developed
    2%
  • Japan
    1%
  • Asia Emerging
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, this is very “home sweet home”: 56% North America plus 20% cash parked presumably in US instruments, with only modest scraps thrown at the rest of the world. Developed Europe and Asia barely show up, and emerging markets are a rounding error. This works brilliantly when the US is crushing it and looks lazy when the rest of the globe has its moment. The international fund tries to fix that, but at 10% it’s more token effort than real global stance. With only eight months of data, the US tilt hasn’t really been pressure‑tested in a regime where other regions lead for any serious length of time.

Market capitalization Info

  • Mega-cap
    25%
  • Large-cap
    24%
  • Mid-cap
    13%
  • Small-cap
    3%

This breakdown covers the equity portion of your portfolio only.

Market cap breakdown screams “index hugger with training wheels”: 25% mega‑cap, 24% large‑cap, and then a polite nod to mid‑caps and small‑caps at 13% and 3%. The mid/small exposure is just enough to look well‑rounded in a pie chart, but not enough to matter much when those parts of the market run hot or cold. This tilt toward the giants explains a lot of the overlap with the usual mega‑names dominating performance headlines. Over an eight‑month stretch, mega‑caps can make a portfolio look smarter than it is, but the flip side is dependency on a small group of huge companies. It’s a “blue‑chip first, everything else second” setup.

True holdings Info

  • NVIDIA Corporation
    2.86%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Mega Cap Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Apple Inc
    2.59%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Mega Cap Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    1.95%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard High Dividend Yield Index Fund ETF Shares
    • Vanguard Mega Cap Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    1.91%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Mega Cap Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    1.34%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Mega Cap Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    1.16%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Mega Cap Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    0.93%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Mega Cap Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Meta Platforms Inc.
    0.87%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Mega Cap Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Tesla Inc
    0.73%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Mega Cap Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Berkshire Hathaway Inc
    0.51%
    Part of fund(s):
    • Vanguard Mega Cap Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Top 10 total 14.86%

This breakdown covers the equity portion of your portfolio only.

Look‑through holdings are basically a roll call of the usual suspects: NVIDIA, Apple, Broadcom, Microsoft, Amazon, Alphabet twins, Meta, Tesla, Berkshire. Classic mega‑cap ensemble, just stitched together through multiple ETFs. Even with only about 20% of the portfolio covered via top‑10 holdings, it’s clear the same names are doing laps in several funds. That’s hidden concentration: multiple wrappers, same underlying drivers. NVIDIA sitting around 2.9%, Apple about 2.6%, and the rest trailing isn’t crazy by itself, but remember this underestimates true overlap because we’re blind beyond each ETF’s top 10. So the “diversified” label is partly wardrobe; under the hood, the same handful of stars hog the camera.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 21%
Size
Exposure to smaller companies
Very low
Data availability: 67%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 3%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 80%

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.

The factor profile is hilariously opinionated: very low size, high value, high momentum, and high low‑volatility. In plain English, it likes big, relatively steadier stocks that have already been winning, but it wants them at a half‑decent price. That combo can work, but it’s kind of like asking for a car that’s fast, safe, and cheap all at once — possible, just not always. Yield is neutral, so the dividend funds aren’t turning this into an income monster. With only eight months of history, these factor readings are more “personality sketch” than deeply proven behavior, but the message is clear: the portfolio wants to ride winners without looking reckless on a risk chart.

Risk contribution Info

  • Vanguard High Dividend Yield Index Fund ETF Shares
    Weight: 15.00%
    21.6%
  • iShares Core MSCI Total International Stock ETF
    Weight: 10.00%
    21.0%
  • Vanguard Mega Cap Index Fund ETF Shares
    Weight: 15.00%
    17.1%
  • Vanguard S&P 500 ETF
    Weight: 15.00%
    17.0%
  • SPDR Gold MiniShares
    Weight: 1.00%
    5.6%
  • Top 5 risk contribution 82.3%

Risk contribution exposes who’s actually driving the drama, and it’s not the cash or bonds — obviously. The high dividend ETF at 15% weight throws off over 21% of risk, and the international ETF at 10% manages almost the same risk share, punching way above its weight. The mega‑cap and S&P 500 funds each add another 17% or so. Together, the top three holdings are responsible for almost 60% of total portfolio risk. Then there’s gold: 1% weight, 5.6% of risk, the loud cousin at the family reunion. Risk isn’t evenly shared here; a few “core” funds are doing the heavy lifting while everyone else mostly poses for the diversification photo.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Vanguard Mega Cap Index Fund ETF Shares
    High correlation
  • Schwab U.S. Dividend Equity ETF
    Vanguard High Dividend Yield Index Fund ETF Shares
    High correlation
  • Vanguard Mid-Cap Index Fund ETF Shares
    Vanguard Small-Cap Index Fund ETF Shares
    High correlation

Correlation here is the “group project” problem in chart form. The mega‑cap ETF and S&P 500 ETF move almost identically, so holding both is basically saying the same thing twice with extra paperwork. Same story with the two dividend funds — near‑clones on the income side — and the mid‑cap/small‑cap pair that might as well be siblings. High correlation isn’t evil, it just means that when the market sneezes, all these funds tend to catch the same cold at the same time. The diversification score looks great on paper, but under the hood, a chunk of it is just multiple wrappers echoing the same market moves.

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 optimization chart is polite but brutal: at this risk level, the portfolio sits about 9 percentage points below the efficient frontier. Translation: given these exact ingredients, they could be mixed differently to squeeze more expected return out of the same volatility. Sharpe ratio of about 3.37 is beaten handily by the optimal mix at around 4.03. The minimum variance portfolio being basically a meme (0% return, 0% risk) just highlights how skewed the math gets over an absurdly hot eight‑month run. Still, even with all the data caveats, the message is clear: this setup uses its holdings in a way that’s more comfortable than clever.

Dividends Info

  • JPMorgan BetaBuilders USD High Yield Corporate Bond ETF 6.90%
  • Vanguard Total Bond Market Index Fund ETF Shares 3.90%
  • iShares Core MSCI Total International Stock ETF 2.80%
  • Vanguard Mega Cap Index Fund ETF Shares 0.90%
  • Schwab U.S. Dividend Equity ETF 3.30%
  • Vanguard Small-Cap Index Fund ETF Shares 1.20%
  • Vanguard Mid-Cap Index Fund ETF Shares 1.40%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Vanguard High Dividend Yield Index Fund ETF Shares 2.20%
  • Fidelity® Government Money Market Fund 2.30%
  • Weighted yield (per year) 2.06%

Total yield around 2.06% is “nice bonus” territory, not “income machine.” Despite two dividend‑focused ETFs and some bond exposure, the portfolio clearly isn’t built to milk payouts aggressively. The money market fund’s yield helps a bit, but that chunk of cash is mostly there to calm volatility, not shower distributions. Over short windows like this eight‑month history, yield can look more meaningful than it really is — prices bounce, payouts lag, and everything looks neat in a table. Long term, a yield in this range is fine, just not life‑changing, especially if that cash slice keeps one‑fifth of the portfolio from doing any real compounding work.

Ongoing product costs Info

  • JPMorgan BetaBuilders USD High Yield Corporate Bond ETF 0.15%
  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • SPDR Gold MiniShares 0.10%
  • iShares Core MSCI Total International Stock ETF 0.07%
  • Vanguard Mega Cap Index Fund ETF Shares 0.07%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard Small-Cap Index Fund ETF Shares 0.05%
  • Vanguard Mid-Cap Index Fund ETF Shares 0.04%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Vanguard High Dividend Yield Index Fund ETF Shares 0.06%
  • Weighted costs total (per year) 0.04%

Costs are the one area where this portfolio accidentally nailed it. A total expense ratio of around 0.04% is basically couch‑cushion money in the grand scheme of investing. Even the “expensive” piece, the high‑yield bond ETF at 0.15%, is still cheap by historical standards. This is the financial equivalent of flying economy but somehow getting extra legroom for free. Of course, low fees don’t magically fix structural quirks like high cash, overlapping US equity funds, or sub‑optimal risk/return positioning. They just make sure the leaks in the bucket are small. For a portfolio this index‑heavy, at least it’s not paying champagne prices for tap water.

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