Growth focused US equity core with crypto satellite and strong quality tilt

Report created on May 8, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is mostly invested in growth‑oriented stocks, with a big core in broad US equity index funds and a smaller mix of individual large tech names. Around a tenth is in very short‑term Treasury bonds, which behave a lot like cash, and another tenth is in Bitcoin and Ethereum. Structurally, that means most of the risk and return comes from equities, while bonds and cash‑like holdings act as a stabilizer and crypto adds a higher‑volatility punch. Seeing the mix laid out like this helps clarify which parts are meant to drive long‑term growth and which ones mainly influence short‑term swings and liquidity.

Growth Info

Over the short history shown, $1,000 grew to about $1,465, giving a portfolio Compound Annual Growth Rate (CAGR) near 19.8%. CAGR is like your average speed on a road trip, smoothing out bumps along the way. That’s slightly ahead of both the US and global equity benchmarks over this period. The portfolio also saw a max drawdown of about -21%, deeper than the benchmarks’ dips, but recovered within a few months. A handful of days (12) generated most of the returns, which is common in equity‑heavy portfolios and shows how missing just a few strong days could dramatically change the overall result. Past returns, though, never guarantee future outcomes.

Projection Info

The Monte Carlo projection models many possible futures by “rerolling” thousands of versions of history based on past volatility and correlations. Here, a $1,000 investment has a median 15‑year outcome around $2,902, which implies an annualized return near 8.4% across simulations. The likely middle band runs from roughly $1,900 to $4,400, while the wider possible range is much broader, from just under the starting value to a bit over $8,000. This spread illustrates uncertainty: the portfolio has a solid chance of positive real growth, but also a non‑trivial chance of flat or negative results. Any projection is still just a model, not a forecast.

Asset classes Info

  • Stocks
    80%
  • Cash
    10%
  • Crypto
    10%

By asset class, about 80% is in stocks, 10% in cash‑like Treasuries, and 10% in crypto. That’s a clear tilt toward growth assets, with a modest cushion from the short‑term bond ETF. Compared with a classic stock‑bond split, this mix trades some traditional downside protection for more exposure to higher‑volatility drivers like equities and digital assets. The presence of cash‑like holdings is helpful for liquidity and can soften short drawdowns, but with crypto in the mix, overall portfolio swings can still be pronounced. This balance aligns with a “balanced but growth‑leaning” profile rather than a defensive one.

Sectors Info

  • Technology
    24%
  • Telecommunications
    13%
  • Consumer Discretionary
    11%
  • Cash
    10%
  • Crypto
    10%
  • Financials
    9%
  • Industrials
    6%
  • Health Care
    6%
  • Consumer Staples
    3%
  • Energy
    3%
  • Basic Materials
    2%
  • Utilities
    1%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector‑wise, technology and related areas dominate, alongside meaningful allocations to telecommunications and consumer discretionary businesses. Financials, industrials, health care, and other sectors are present but smaller. Compared with a broad market benchmark, this looks more growth‑and‑innovation heavy, with a relatively modest footprint in traditionally steadier areas like consumer staples and utilities. Tech‑heavy portfolios often benefit during periods of innovation, low interest rates, or strong earnings growth, but they can feel sharper drawdowns when rates rise or sentiment turns against high‑growth names. The sector spread is still quite broad overall, which is a positive sign for diversification.

Regions Info

  • North America
    72%
  • Cash
    10%
  • Europe Developed
    3%
  • Japan
    1%
  • Asia Developed
    1%
  • Asia Emerging
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, roughly 72% of the portfolio is tied to North America, with a smaller slice in developed and emerging markets through the international index fund. This US tilt is common and has been rewarded over the last decade as US stocks outperformed many other regions. However, it does mean results are closely linked to the US economy, policy, and currency. The international portion adds some exposure to different growth drivers and interest‑rate environments, which can help if leadership shifts away from the US. The allocation across regions is broadly diversified but clearly anchored in the domestic market.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    22%
  • Mid-cap
    11%
  • Small-cap
    3%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

Market cap exposure is centered on mega‑cap and large‑cap companies, with over 60% in the biggest global names and a smaller slice in mid‑, small‑, and micro‑caps. This mirrors major index structures, where large firms dominate. Large and mega‑caps often bring more stable earnings, deeper liquidity, and more analyst coverage, which can dampen some volatility versus a small‑cap‑heavy mix. At the same time, the small and micro positions, though modest, keep a foothold in potentially faster‑growing, earlier‑stage companies. Overall, the size profile is comfortably mainstream, with just enough smaller‑company exposure to diversify behavior.

True holdings Info

  • Amazon.com Inc
    6.84%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    Direct holding 5.00%
  • NVIDIA Corporation
    5.93%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    Direct holding 2.00%
  • Alphabet Inc Class A
    4.61%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    Direct holding 3.00%
  • Apple Inc
    4.57%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    Direct holding 1.00%
  • Microsoft Corporation
    3.64%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    Direct holding 1.00%
  • Meta Platforms Inc.
    3.20%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    Direct holding 2.00%
  • Reddit, Inc.
    1.50%
  • Broadcom Inc
    1.39%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    1.28%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    1.01%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 33.96%

This breakdown covers the equity portion of your portfolio only.

Looking through the funds, there’s noticeable concentration in a handful of huge US tech and platform companies. Amazon, NVIDIA, Alphabet, Apple, Microsoft, and Meta each appear both directly and through ETFs, raising their total effective weights. For example, Amazon is 5% directly but 6.84% once fund exposure is included, and similar patterns show up for NVIDIA and Apple. This kind of overlap is common in portfolios built around broad US index funds plus hand‑picked tech names. It does, however, create hidden concentration: when these few giants move sharply, they can sway the whole portfolio more than the simple holding list might suggest.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 25%
Size
Exposure to smaller companies
Very low
Data availability: 80%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 33%
Quality
Preference for financially healthy companies
Very high
Data availability: 17%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 84%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 79%

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 shows a very high tilt to “quality” and a very low tilt to “size.” Factors are traits like value, momentum, or quality that research links to long‑term returns, like ingredients in a recipe. A very high quality score means the portfolio leans toward companies with stronger balance sheets, profitability, or earnings stability, which often hold up better in stressed markets. The very low size exposure reflects the strong bias toward large and mega‑caps rather than smaller firms. That may reduce some of the typical small‑cap upside in roaring risk‑on periods but can also support more predictable fundamentals.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 30.00%
    27.7%
  • Vanguard S&P 500 ETF
    Weight: 17.00%
    15.1%
  • Bitcoin
    Weight: 7.50%
    13.8%
  • Ethereum
    Weight: 2.50%
    6.9%
  • Amazon.com Inc
    Weight: 5.00%
    6.8%
  • Top 5 risk contribution 70.1%

Risk contribution looks at how much each holding drives overall ups and downs, which can differ from its weight. Here, the broad US equity ETFs (total market and S&P 500) together supply a bit under half the portfolio’s risk, roughly in line with their combined weight. Crypto stands out: Bitcoin at 7.5% weight contributes nearly 13.8% of total risk, and Ethereum at 2.5% adds almost 6.9%, meaning they punch well above their size. The top three holdings by weight already account for over half of portfolio risk. This pattern shows how a few volatile pieces can dominate day‑to‑day swings even if they’re not the majority of assets.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    Vanguard Growth Index Fund ETF Shares
    Schwab U.S. Large-Cap Growth ETF
    High correlation

The correlation data shows the main US equity index funds move very closely together. Correlation measures how often two assets move in the same direction; high correlation means they tend to rise and fall in tandem. The Vanguard total market, S&P 500, and growth ETFs — plus the Schwab large‑cap growth ETF — behave similarly, which is expected because they track overlapping slices of the same market. This alignment supports a strong core exposure but limits diversification benefits among these specific funds. True diversification in this portfolio instead mainly comes from the international fund, the cash‑like bond ETF, and the crypto positions.

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 chart compares the current mix against the best possible risk‑return combinations using only the existing holdings. The Sharpe ratio — return per unit of risk over cash — is about 0.94 for the current portfolio, while the minimum‑risk and “optimal” portfolios on the frontier have much higher Sharpe ratios, albeit with very low absolute risk and returns. The current point sits meaningfully below the frontier at its risk level, suggesting an alternative weighting of the same assets could, in theory, deliver a better balance between volatility and expected return. This is a structural observation, not a prediction of future performance.

Dividends Info

  • Apple Inc 0.40%
  • Fidelity Small Cap Growth Index Fund 0.50%
  • Alphabet Inc Class A 0.20%
  • Mastercard Inc 0.70%
  • Meta Platforms Inc. 0.30%
  • Microsoft Corporation 0.80%
  • Schwab U.S. Dividend Equity ETF 3.30%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • iShares 0-3 Month Treasury Bond ETF 3.90%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.00%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.22%

The overall dividend yield is about 1.22%, which is on the lower side and consistent with a growth‑oriented equity tilt. Yield is the income paid out as dividends relative to price — like interest from a savings account, but for stocks and funds. The main income contributors here are the dividend ETF, the international index fund, and the short‑term Treasury ETF, which currently yields more than most equities in the portfolio. Since many of the largest positions are big tech and growth names with modest or no dividends, total return is likely to be driven more by price changes than by regular cash payouts.

Ongoing product costs Info

  • Fidelity Small Cap Growth Index Fund 0.05%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • iShares 0-3 Month Treasury Bond ETF 0.07%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.03%

Costs are impressively low, with a total expense ratio (TER) around 0.03% for the portfolio’s fund holdings. TER is the annual fee charged by a fund, expressed as a percentage of invested assets. In practical terms, this cost level is comparable with some of the most efficient index products available and means that very little of the portfolio’s return is being eaten up by fees. Over long horizons, even small fee differences can compound into meaningful dollar amounts, so having such a low‑cost core is a strong structural advantage that supports better net outcomes over time.

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