This portfolio has only about 1.5 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.
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Factor tilted equity portfolio with strong value and quality focus and concentrated growth risk

Report created on May 30, 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 a 100% equity mix built entirely from ETFs, with a clear focus on return‑seeking growth. The biggest single piece is a large‑cap US momentum ETF at 25%, followed by a 20% allocation to a US quality ETF. Mid‑cap momentum and quality funds, small‑cap value funds, and international value ETFs round out the mix, plus a dedicated artificial intelligence theme and a broad technology ETF. Because everything here is stock‑based and factor‑tilted, the portfolio leans toward higher risk and higher potential return. With only about 1.5 years of data, it’s too early to claim any long‑term pattern, but structurally this is a growth‑oriented, factor‑driven equity strategy with very little built‑in defensiveness.

Growth Info

Over the short 1.5‑year window, $1,000 invested in this portfolio grew to about $1,521, implying a compound annual growth rate (CAGR) near 33%. CAGR is like your average speed over a trip, smoothing the bumps in between. That’s much higher than both the US market (about 17%) and global market (about 21%) over the same period, showing strong recent results. Max drawdown, the worst peak‑to‑trough drop, was about –19%, similar to the benchmarks. With only 13 days driving 90% of returns, performance has been quite “lumpy.” Given the limited history and the recent tech‑heavy environment, these outcomes could easily look very different over a longer, more varied market cycle.

Projection Info

The forward projection uses a Monte Carlo simulation, which basically replays many versions of the future using patterns from the past. It runs 1,000 scenarios to see a range of possible 15‑year outcomes for $1,000 invested. The median result sits around $2,825, with most scenarios falling between roughly $1,820 and $4,343, and a wide tail stretching as high as about $8,400. The average annual return across simulations is about 8.4%, with around three‑quarters of paths ending positive. Because all this is built on only 1.5 years of data—during a strong run for growth and tech—these projections are particularly fragile and shouldn’t be viewed as a reliable guide to long‑term behavior.

Asset classes Info

  • Stocks
    100%

Asset‑class allocation here is straightforward: it’s 100% stocks and 0% bonds, cash, or alternatives. That’s consistent with a growth‑oriented approach, where the main goal is price appreciation rather than income or capital preservation. Equities tend to offer higher long‑term return potential but also larger and more frequent swings in value. Without any bond or cash cushion, the portfolio’s ups and downs will track equity markets more closely, especially in sharp sell‑offs. The positive side is that there’s no drag from lower‑return assets when stocks are doing well. The trade‑off is less diversification across asset classes, meaning volatility and drawdowns will largely live or die with global equity cycles.

Sectors Info

  • Technology
    38%
  • Industrials
    18%
  • Financials
    11%
  • Health Care
    6%
  • Consumer Discretionary
    6%
  • Energy
    5%
  • Consumer Staples
    5%
  • Basic Materials
    5%
  • Telecommunications
    4%
  • Utilities
    1%
  • Real Estate
    1%

Sector exposure is clearly tilted toward technology at 38%, with the rest spread across industrials, financials, health care, consumer areas, energy, and smaller slices in telecom, utilities, materials, and real estate. Compared with broad global benchmarks, this is a heavier tech weighting, reinforced by both dedicated tech and AI‑focused ETFs. Tech‑heavy portfolios often enjoy strong growth when innovation themes and falling interest rates are in favor, but they may be more sensitive when rates rise or when market leadership rotates. The balanced allocation across non‑tech sectors helps, yet technology remains the main driver of results. With only short‑term history, it’s hard to gauge how this tilt would behave across different economic cycles.

Regions Info

  • North America
    82%
  • Europe Developed
    8%
  • Japan
    4%
  • Asia Developed
    2%
  • Australasia
    1%
  • Asia Emerging
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, the portfolio is dominated by North America at 82%, with the rest spread across developed markets in Europe, Japan, and other regions, plus low‑single‑digit exposure to emerging markets. That North American tilt aligns with many equity benchmarks but is still more concentrated than truly global market‑cap weights, which allocate a larger share outside the US. This focus has been beneficial during a US‑led, tech‑driven period, which aligns with the strong recent performance data. The inclusion of Avantis international funds adds a useful layer of diversification, especially in value and smaller companies abroad. However, regional risk is still heavily tied to the US economy, policy, and currency over time.

Market capitalization Info

  • Large-cap
    33%
  • Mega-cap
    23%
  • Mid-cap
    22%
  • Small-cap
    16%
  • Micro-cap
    5%

By market capitalization, there’s a good spread: about 23% in mega‑caps, 33% in large‑caps, 22% in mid‑caps, 16% in small‑caps, and 5% in micro‑caps. That creates a broad mix of company sizes, rather than clustering only in giants. Smaller companies often bring higher growth potential and stronger sensitivity to economic swings, while larger companies tend to be more established and can sometimes be more resilient. The explicit small‑cap value allocations and mid‑cap momentum/quality funds support this multi‑cap profile. Over longer horizons, size tilts can be meaningful drivers of return and volatility, but with only 1.5 years of data, the realized impact of this size mix is still very early and somewhat noisy.

True holdings Info

  • NVIDIA Corporation
    3.49%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • Invesco S&P 500® Momentum ETF
  • Micron Technology Inc
    3.02%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • Invesco S&P 500® Momentum ETF
    • VistaShares Artificial Intelligence Supercycle ETF
  • Broadcom Inc
    2.11%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • Invesco S&P 500® Momentum ETF
  • Apple Inc
    2.03%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • Invesco S&P 500® Quality ETF
  • Lam Research Corp
    1.92%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • Invesco S&P 500® Momentum ETF
    • Invesco S&P 500® Quality ETF
  • Advanced Micro Devices Inc
    1.56%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • Invesco S&P 500® Momentum ETF
    • VistaShares Artificial Intelligence Supercycle ETF
  • Alphabet Inc Class A
    1.26%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
  • Intel Corporation
    1.23%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • Invesco S&P 500® Momentum ETF
    • VistaShares Artificial Intelligence Supercycle ETF
  • Johnson & Johnson
    1.04%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
  • Cisco Systems Inc
    1.03%
    Part of fund(s):
    • Fidelity® MSCI Information Technology Index ETF
    • Invesco S&P 500® Quality ETF
  • Top 10 total 18.69%

Looking through ETF top holdings, a few names show up repeatedly: NVIDIA, Micron, Broadcom, Apple, and other large US technology firms. For example, NVIDIA alone makes up about 3.5% of the portfolio through multiple funds, even though it doesn’t appear as a direct position. This kind of overlap is a form of hidden concentration—separate ETFs can still funnel money into the same underlying companies. Coverage is only around a third of the portfolio because we see just ETF top‑10 holdings, so actual overlap is probably higher. This concentration helps explain why tech mega‑caps are such strong performance drivers and why portfolio behavior may track them closely over time.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 25%
Size
Exposure to smaller companies
Low
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 33%
Quality
Preference for financially healthy companies
Very high
Data availability: 27%
Yield
Preference for dividend-paying stocks
Low
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 92%

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 where this portfolio really stands out. It has very high tilts toward value and quality, and a high tilt toward momentum. Factors are like the underlying “traits” that drive returns—value focuses on cheaper stocks, quality on financially strong companies, and momentum on recent winners. Combining strong quality and value tilts often points toward robust balance sheets and reasonable valuations, which can help during stressed markets. Momentum adds a more pro‑cyclical flavor, often boosting returns when trends are strong but sometimes amplifying reversals. With low yield and neutral low‑volatility exposure, the portfolio isn’t aiming for income or smooth rides. These strong tilts are intentional levers, but their long‑term payoff can vary across market regimes.

Risk contribution Info

  • Invesco S&P 500® Momentum ETF
    Weight: 25.00%
    27.5%
  • Invesco S&P 500® Quality ETF
    Weight: 20.00%
    15.5%
  • VistaShares Artificial Intelligence Supercycle ETF
    Weight: 8.00%
    13.7%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 10.00%
    9.3%
  • Fidelity® MSCI Information Technology Index ETF
    Weight: 7.00%
    8.9%
  • Top 5 risk contribution 74.8%

Risk contribution shows how much each holding drives overall volatility, which can differ from its weight. Here, the 25% US momentum ETF contributes about 28% of total risk—roughly proportional. The US quality ETF is 20% of the portfolio but only about 15% of risk, meaning it’s relatively stabilizing. The AI ETF, at just 8% weight, contributes nearly 14% of risk, making it a key volatility driver. Similarly, the tech index ETF adds more risk than its size suggests. Altogether, the top three holdings generate about 57% of portfolio risk. That pattern—concentrated risk in a few growth‑oriented positions—is typical for a factor‑tilted, tech‑leaning equity mix and helps explain recent performance sensitivity.

Redundant positions Info

  • Avantis® International Small Cap Value ETF
    Avantis International Large Cap
    High correlation

Correlation measures how often investments move together; a value near 1 means they tend to rise and fall in tandem. The data here show a particularly high correlation between the Avantis international small‑cap value ETF and the Avantis international large‑cap ETF. That’s not surprising, since both target international equities and share similar regions and styles, just with different size and value tilts. When two holdings move almost identically, they provide less diversification than their number of line items might suggest. It doesn’t make them bad holdings—just less distinct in terms of risk behavior. With only a short data window, these measured correlations may change as different market environments appear.

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 efficient frontier compares risk and return trade‑offs using only the current holdings but in different weightings. Here, the current portfolio sits below that frontier by about 17.5 percentage points at its risk level, with a Sharpe ratio of 1.26. The Sharpe ratio is a simple measure of return per unit of volatility, adjusting for the risk‑free rate. The “optimal” mix on this frontier, using the same ETFs, shows a much higher Sharpe and return for slightly higher risk, while the minimum‑variance mix offers lower risk with better risk‑adjusted performance. That suggests the existing ingredients are strong, but historically, a different weighting of them might have delivered a more efficient balance between ups and downs—again based only on this brief period.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.70%
  • Avantis International Large Cap 2.80%
  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Fidelity® MSCI Information Technology Index ETF 0.30%
  • Invesco S&P 500® Quality ETF 1.10%
  • Invesco S&P 500® Momentum ETF 0.70%
  • Invesco S&P MidCap Quality ETF 0.60%
  • Invesco S&P MidCap Momentum ETF 0.60%
  • Weighted yield (per year) 1.05%

The portfolio’s overall dividend yield is about 1.05%, which is modest compared with many broad equity benchmarks. Yield is the income investors receive as cash payouts relative to the portfolio’s value, separate from price changes. Higher‑yielding allocations here are mainly the Avantis international value funds, with yields around 2.7–2.8%, while the technology and momentum‑oriented ETFs pay much less. This lines up with the portfolio’s growth and factor focus: more emphasis on capital appreciation and less on regular income. With such a short history, dividend levels haven’t had much time to compound meaningfully, but structurally, income is likely to remain a smaller component of total return compared to price movement.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis International Large Cap 0.25%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Fidelity® MSCI Information Technology Index ETF 0.08%
  • Invesco S&P 500® Quality ETF 0.15%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Invesco S&P MidCap Quality ETF 0.25%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.18%

The weighted average ongoing fund cost (TER) is about 0.18%, which is impressively low for an actively tilted, factor‑driven portfolio. TER, or total expense ratio, is the annual fee charged by each ETF as a percentage of assets—like a small slice taken off each year to run the fund. Here, costs range from 0.08% for the broad tech ETF to around 0.34–0.36% for some specialized or international strategies. Keeping the blended cost under 0.20% supports better long‑term outcomes because less return is lost to fees every year. Over multiple decades, even a few tenths of a percent can add up significantly, so this cost structure is a real strength of the portfolio.

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