Roast mode 🔥

Momentum junkie portfolio with a tech crush and a serious case of US home bias

Report created on May 30, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

Structurally this thing is a five‑ETF Frankenstein stitched together from every spicy factor Invesco could sell you plus one small-cap value side quest. It pretends to be diversified because there are five tickers at 20% each, but under the hood it’s basically “momentum everywhere, quality on the side, value for flavor.” Equal weights look tidy, not thoughtful — everything gets the same importance whether it deserves it or not. This is less a portfolio and more a factor sampler platter: if the fast, fashionable corners of the market are hot, it flies; if they aren’t, it sulks. The design screams “performance-chasing spreadsheet,” not “coherent long-term structure.”

Growth Info

Historically, the chaos actually paid off. CAGR of 18.94% versus ~16.2% for the US market and ~14.1% globally is solid outperformance. You earned an extra 2.7–4.9 percentage points a year, which is huge — when it works. Max drawdown of -24.54% was basically the same gut punch as the US market, so you didn’t suffer more, you just got paid more for the ride. But note: 90% of returns came from just 31 days. That’s “miss a few key days, kiss your edge goodbye” territory. Past data here is like a highlight reel: fun to watch, but it hides how bad the blooper reel could look in a different cycle.

Projection Info

The Monte Carlo simulation — basically a thousand “what if” market weather forecasts — sobers this right up. Median outcome of $2,771 after 15 years (about 8.1% a year) is way tamer than the backtest fantasy. The likely range stretches from “meh” ($1,805) to “nice” ($4,218), with a non-trivial chance of basically flat real progress ($1,007 at the low end). That 74.1% chance of a positive return sounds okay until you remember cash in this model lazily crawls to $1,839. Translation: the simulator assumes the magic factor party doesn’t last forever. Yesterday’s 19% CAGR is treated as a lucky streak, not the new normal.

Asset classes Info

  • Stocks
    100%

Asset class breakdown is easy: 100% stocks, 0% everything else. This isn’t “growth tilted”; it’s “growth or die trying.” No bonds, no real diversifiers, no ballast — just one giant bet that equity markets will be kind and volatility will stay in its lane. That’s fine if the portfolio is explicitly a high-octane sleeve, but by itself this behaves like a car with no brakes and no second gear. When stocks are in a bull market, this kind of purity looks bold. In a prolonged bear market, it just looks stubborn. Calling this “low diversity” is generous; it’s basically one asset class in different costumes.

Sectors Info

  • Technology
    33%
  • Industrials
    19%
  • Financials
    10%
  • Consumer Discretionary
    8%
  • Consumer Staples
    6%
  • Telecommunications
    6%
  • Health Care
    6%
  • Energy
    6%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    1%

Sector-wise, the portfolio has a clear favorite child: technology at 33%. Then a decently big chunk of industrials (19%), and the rest sprinkled like garnish across everything else. Healthcare, staples, utilities, and real estate together barely clear “background characters” status. This is not a balanced cross-section of the economy; it’s more like a tech-and-cyclicals fan club that occasionally remembers other sectors exist. Compared to broad indexes, defensives are underfed, and growth-sensitive areas are overcaffeinated. When innovation and risk-on narratives rule, this setup sings. When markets rotate toward boring, steady businesses, this mix looks like it showed up to a job interview in a concert t-shirt.

Regions Info

  • North America
    97%
  • Europe Developed
    1%
  • Latin America
    1%

Geography: 97% North America. The rest of the planet gets the crumbs — 1% Europe developed, 1% Latin America, and apparently nothing else worth mentioning. This is textbook home bias with extra US seasoning: the world’s other capital markets might as well be fan fiction. That works fine when US megacaps and domestic stories dominate global returns; less so if leadership shifts elsewhere. This kind of geographic myopia turns global shocks into portfolio-sized problems because there’s no meaningful offset from other regions. It’s not a world portfolio — it’s more like “if it doesn’t trade in New York, did it really happen?”

Market capitalization Info

  • Large-cap
    29%
  • Mega-cap
    24%
  • Mid-cap
    20%
  • Small-cap
    17%
  • Micro-cap
    9%

The market cap mix looks adventurous: 24% mega, 29% large, 20% mid, 17% small, and 9% micro. That’s a lot of action away from the safe, boring giants. It’s like the portfolio walks into the market and says, “Show me everything that moves too much.” Mega- and large-caps keep it anchored somewhat, but nearly half the portfolio is living in smaller, choppier waters. That amplifies both upside and mood swings. When smaller names and mid-caps are in favor, this can outrun broad indexes. When the market hides in big, stable giants, this setup can feel like it’s sprinting in sand.

True holdings Info

  • NVIDIA Corporation
    3.50%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
  • Micron Technology Inc
    2.48%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
  • Apple Inc
    2.39%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Quality ETF
  • Broadcom Inc
    2.10%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
  • Alphabet Inc Class A
    1.73%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
  • Lam Research Corp
    1.55%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Invesco S&P 500® Quality ETF
  • Alphabet Inc Class C
    1.47%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
  • Advanced Micro Devices Inc
    1.47%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
  • Microsoft Corporation
    1.01%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
  • Costco Wholesale Corp
    0.95%
    Part of fund(s):
    • Invesco S&P 500® Quality ETF
  • Top 10 total 18.67%

The look-through holdings just confirm the tech crush: NVIDIA, Micron, Apple, Broadcom, Alphabet (both share classes), AMD, Microsoft, and Costco top the list. These names are showing up through multiple ETFs, so the overlap is real even if only top-10 holdings are captured. Hidden concentration 101: it looks like five different funds, but they keep tripping over the same tech-centric giants. NVIDIA at 3.5% and Apple at 2.39% may not sound crazy alone, but that’s only what’s visible in the top slices. So while the ticker list seems varied, the underlying bet is narrower: a lot of the portfolio’s fate is quietly tied to the usual mega-cap growth royalty.

Factors Info

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

Factor profile: high size (60%) and high momentum (62%), with value sitting neutral-ish at 56% and quality roughly market-like at 54%. Yield is low (38%), and low volatility is neutral. Translation: this portfolio likes smaller-ish, faster-moving names and doesn’t care much about dependable income or being calm. Momentum loading this strong is like building a car optimized for going downhill fast — incredible when the slope is in your favor, unforgiving when the road turns. The size tilt adds extra jumpiness. The factor mix basically says: chase trends, accept shakier fundamentals, and don’t expect your holdings to behave like sturdy, dull grown-ups during stress.

Risk contribution Info

  • Invesco S&P MidCap Momentum ETF
    Weight: 20.00%
    21.8%
  • Invesco NASDAQ 100 ETF
    Weight: 20.00%
    21.5%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 20.00%
    21.1%
  • Invesco S&P 500® Momentum ETF
    Weight: 20.00%
    19.1%
  • Invesco S&P 500® Quality ETF
    Weight: 20.00%
    16.6%

Risk contribution tells you who’s actually rocking the boat, not who just looks big in the lineup. With equal 20% weights, the mid-cap momentum ETF is pulling 21.77% of total risk, NASDAQ 100 is at 21.48%, and small-cap value at 21.06%. Together the top three pump out 64.31% of portfolio risk. The S&P 500 quality ETF, meanwhile, weighs the same but contributes only 16.61% — the kid doing their homework quietly while the others throw chairs. So despite the neat 20/20/20/20/20 split, the spiciest pieces are calling the emotional shots. That’s how you end up thinking you own five co-equal drivers when you really have three lead singers and one backup choir.

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.

On the efficient frontier chart, the portfolio is leaving easy money on the table. With a Sharpe ratio of 0.83 versus 1.10 for the optimal mix, it’s basically taking the same risk (18.53% vs 18.70% volatility) and settling for a 19.42% return where 21.64% is mathematically achievable using the exact same ingredients. Being 1.99 percentage points below the frontier at this risk level is like flying business class but sitting in the middle seat: you paid for the turbulence but not the comfort. Even the minimum variance portfolio has a higher Sharpe (0.93) despite lower return, meaning the current arrangement is aggressively suboptimal, not heroically bold.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Invesco NASDAQ 100 ETF 0.40%
  • Invesco S&P 500® Quality ETF 1.10%
  • Invesco S&P 500® Momentum ETF 0.70%
  • Invesco S&P MidCap Momentum ETF 0.60%
  • Weighted yield (per year) 0.82%

Yield at 0.82% is barely pocket change — this portfolio clearly didn’t show up for dividends. That’s what happens when you stack momentum, growth-heavy exposure, and small caps: you get more “please reinvest everything into chasing the next narrative” and less “here’s your quarterly check.” Dividend yield isn’t everything, but at this level it’s just background noise. This portfolio is banking on price appreciation doing basically all the heavy lifting. If someone expected this mix to be a cash-flow machine, the numbers say it’s more of a “hold on and hope the line goes up” engine than an income generator.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • Invesco S&P 500® Quality ETF 0.15%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.20%

Costs are the surprising adult in the room. A 0.20% total TER for a bunch of factor and smart-beta-ish ETFs is actually pretty reasonable. You’re not getting robbed; you’re just paying a modest cover charge to access some very opinionated exposures. Sure, there are cheaper ways to own plain-vanilla markets, but this isn’t trying to be plain-vanilla. For the amount of factor drama and style bets baked in, the fee level is almost suspiciously sensible. If the portfolio has problems, they’re about what it owns and how it’s mixed — not what it costs to keep the lights on.

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