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Growth focused portfolio with strong momentum tilt and solid long term results but concentrated risk

Report created on Apr 29, 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 built almost entirely from equity funds, with 90% in stocks and 10% in gold. The stock side is split across factor strategies focusing on momentum, quality, and fundamental large caps, plus a dedicated semiconductor fund. Each of the three main factor ETFs holds 20%, creating a clear core around systematic stock selection, with several 10% satellite positions adding specific tilts. This structure gives a strong growth orientation rather than a balanced mix across asset types. The small gold position adds a non‑equity element that behaves differently from stocks, offering some diversification. Overall, it’s a compact, factor‑driven equity portfolio with a single “other asset” hedge rather than a broad multi‑asset setup.

Growth Info

From mid‑2020 to April 2026, $1,000 in this portfolio grew to about $3,154. That works out to a 21.67% compound annual growth rate (CAGR), which is how much it grew per year on average, similar to averaging speed over a long road trip. Over the same period, the US market returned 16.74% annually and the global market 14.55%, so this mix outpaced both by a notable margin. The maximum drawdown, or worst peak‑to‑trough drop, was about -24%, roughly in line with the US market. It took around 10 months to recover, which is typical for growth‑oriented equity portfolios. Most returns came in just 39 days, showing performance was driven by relatively few strong periods.

Projection Info

The Monte Carlo projection uses past return and volatility patterns to simulate many possible futures, a bit like running 1,000 alternate timelines. Here, the median outcome turns $1,000 into about $2,756 after 15 years, with a wide “likely” range from roughly $1,812 to $4,082. The very broad 5th–95th percentile band runs from about $988 to $7,121, highlighting how uncertain long‑term paths can be even with the same starting portfolio. The average annual return across simulations is 7.87%, much lower than the recent historical CAGR, underlining that past outperformance doesn’t automatically continue. About three‑quarters of simulations end positive, but a meaningful minority show flat or negative results, which is normal for a growth‑tilted equity mix.

Asset classes Info

  • Stocks
    90%
  • Other
    10%

Asset‑class wise, this portfolio is straightforward: 90% stocks and 10% in “other,” which here is gold. That stock‑heavy tilt lines up with the “growth” risk classification and explains why returns and drawdowns look similar to equity markets. A traditional multi‑asset benchmark often holds a meaningful slice of bonds or cash, which tend to smooth the ride; this portfolio instead leans into the equity risk premium, aiming for higher long‑term growth with more short‑term swings. The 10% gold component adds a different return driver that doesn’t rely on company earnings, which can be helpful in certain macro environments. Still, the overall risk and return profile is overwhelmingly dictated by the equity portion rather than the gold allocation.

Sectors Info

  • Technology
    32%
  • Financials
    14%
  • Industrials
    12%
  • Health Care
    8%
  • Consumer Discretionary
    6%
  • Telecommunications
    5%
  • Basic Materials
    4%
  • Energy
    3%
  • Consumer Staples
    3%
  • Utilities
    2%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is clearly tilted toward Technology at about 32%, with Financials, Industrials, and Health Care forming the next tiers. This means a significant share of performance will be linked to innovation, digital infrastructure, and chip‑related cycles, especially given the dedicated semiconductor fund. Compared to broad market benchmarks, this looks more tech‑heavy and lighter in defensive areas like Consumer Staples, Utilities, and Real Estate. That setup can boost returns when growth and innovation stocks are in favor, but it generally adds cyclicality and sensitivity to interest rates and sentiment around future earnings. The good news is that there is still exposure across all major sectors, so it isn’t a single‑theme portfolio, but the growth and tech flavor is unmistakable.

Regions Info

  • North America
    71%
  • Europe Developed
    12%
  • Japan
    4%
  • Asia Developed
    1%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 71% of the portfolio sits in North America, with the rest spread mainly across developed Europe and Japan. That US‑leaning profile is common in many equity portfolios and has been rewarded over the last decade as US markets outperformed many other regions. Compared with a global benchmark, which usually has closer to 60% in the US, this is a somewhat stronger home‑country bias. That means economic conditions, interest rates, and regulatory changes in North America will have an outsized influence on returns. The allocation to Europe and Japan adds some diversification in terms of currencies and business cycles, but the portfolio’s behavior will still largely track US equity trends rather than moving in lockstep with the whole world.

Market capitalization Info

  • Mega-cap
    30%
  • Large-cap
    29%
  • Mid-cap
    19%
  • Small-cap
    7%
  • Micro-cap
    5%

This breakdown covers the equity portion of your portfolio only.

By market capitalization, the portfolio leans toward larger companies, with roughly 30% in mega‑caps and 29% in large‑caps, while mid‑caps, small‑caps, and micro‑caps fill in the rest. This mirrors many factor and quality strategies that tend to favor established firms with deeper liquidity and more stable data. Larger companies often have more diversified revenue streams and stronger balance sheets, which can help in downturns, whereas smaller firms can be more volatile but provide extra growth potential. Having exposure all the way down to micro‑caps adds some dynamism and idiosyncratic return drivers. Overall, the size mix is reasonably broad but not extreme; it keeps the center of gravity in big, well‑known names while still allowing smaller companies to contribute.

True holdings Info

  • NVIDIA Corporation
    1.80%
    Part of fund(s):
    • Fidelity Fundamental Large Cap Core ETF
    • JPMorgan U.S. Quality Factor ETF
    • iShares MSCI USA Quality GARP ETF
  • Alphabet Inc Class A
    1.68%
    Part of fund(s):
    • Fidelity Fundamental Large Cap Core ETF
    • JPMorgan U.S. Quality Factor ETF
    • Vanguard U.S. Momentum Factor
    • iShares MSCI USA Quality GARP ETF
  • Apple Inc
    1.23%
    Part of fund(s):
    • Fidelity Fundamental Large Cap Core ETF
    • JPMorgan U.S. Quality Factor ETF
    • iShares MSCI USA Quality GARP ETF
  • Meta Platforms Inc.
    1.22%
    Part of fund(s):
    • Fidelity Fundamental Large Cap Core ETF
    • JPMorgan U.S. Quality Factor ETF
    • iShares MSCI USA Quality GARP ETF
  • Microsoft Corporation
    1.18%
    Part of fund(s):
    • Fidelity Fundamental Large Cap Core ETF
    • JPMorgan U.S. Quality Factor ETF
    • iShares MSCI USA Quality GARP ETF
  • HSBC Holdings PLC
    0.87%
    Part of fund(s):
    • Invesco S&P International Developed Momentum ETF
  • Broadcom Inc
    0.87%
    Part of fund(s):
    • Fidelity Fundamental Large Cap Core ETF
    • JPMorgan U.S. Quality Factor ETF
    • Vanguard U.S. Momentum Factor
  • Toronto Dominion Bank
    0.75%
    Part of fund(s):
    • Invesco S&P International Developed Momentum ETF
  • Banco Santander S.A.
    0.75%
    Part of fund(s):
    • Invesco S&P International Developed Momentum ETF
  • Lam Research Corp
    0.73%
    Part of fund(s):
    • Vanguard U.S. Momentum Factor
    • iShares MSCI USA Quality GARP ETF
  • Top 10 total 11.08%

This breakdown covers the equity portion of your portfolio only.

Looking through to the top underlying holdings, big global names like NVIDIA, Alphabet, Apple, Meta, and Microsoft all appear, even though they aren’t held directly. This overlap comes from multiple funds owning the same large growth and tech stocks, which is common for momentum and quality strategies. NVIDIA alone shows up at about 1.8% of the portfolio from fund holdings, and the other large tech names are each around 1–1.7%. Because overlap data only uses ETF top‑10 holdings, actual concentration in these names is likely somewhat higher. That means parts of the portfolio that look separate on the surface can move together when mega‑cap tech rallies or sells off, subtly increasing dependency on a relatively small group of influential companies.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 90%
Size
Exposure to smaller companies
Neutral
Data availability: 90%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 90%
Quality
Preference for financially healthy companies
Neutral
Data availability: 90%
Yield
Preference for dividend-paying stocks
Low
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

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 clear tilt toward momentum at 65%, while value, size, quality, and low volatility all sit in the neutral range around 40–60%. “Factors” are characteristics like momentum or yield that research links to long‑term return patterns; think of them as the underlying flavor of the portfolio. A high momentum tilt means the holdings lean toward stocks that have been recent strong performers, which can do well in trending bull markets but can suffer sharper reversals when leadership changes. Yield exposure is low at 39%, consistent with a growth style that prioritizes price appreciation over income. The neutral readings in value, size, quality, and low volatility suggest the portfolio behaves broadly like the market in those dimensions, without strong biases there.

Risk contribution Info

  • Vanguard U.S. Momentum Factor
    Weight: 20.00%
    23.8%
  • Fidelity Select Semiconductors Portfolio
    Weight: 10.00%
    18.8%
  • Invesco S&P International Developed Momentum ETF
    Weight: 20.00%
    17.5%
  • JPMorgan U.S. Quality Factor ETF
    Weight: 20.00%
    16.7%
  • iShares MSCI USA Quality GARP ETF
    Weight: 10.00%
    11.6%
  • Top 5 risk contribution 88.4%

Risk contribution shows how much each position drives the portfolio’s ups and downs, which can differ from its simple weight. The Vanguard U.S. Momentum ETF is 20% of assets but contributes about 24% of risk, while the semiconductor fund is 10% of assets yet nearly 19% of total risk, making it a key volatility driver. In contrast, the international momentum and US quality factor funds each contribute slightly less risk than their weights, suggesting they are relatively more stabilizing. The top three positions together account for about 60% of total risk, even though they are only half the portfolio by weight. This pattern is common in concentrated growth‑oriented mixes, where a few higher‑volatility holdings dominate the overall risk profile.

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.

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The risk‑return chart and efficient frontier put numbers around how effectively the portfolio turns risk into return. The current mix has a Sharpe ratio of 0.96, which compares excess return over the risk‑free rate to volatility. The optimal combination of these same holdings on the efficient frontier reaches a Sharpe of 1.44 with slightly lower risk and higher return, and the minimum‑variance version hits 1.3 with much less volatility. Being about 5 percentage points below the frontier at the current risk level means the existing weights aren’t using the full diversification power of the holdings. In plain terms, rearranging the same ingredients, without adding anything new, could historically have delivered a smoother or more rewarding ride for a similar level of overall risk.

Dividends Info

  • Fidelity Fundamental Large Cap Core ETF 1.00%
  • Fidelity Select Semiconductors Portfolio 11.70%
  • Invesco S&P International Developed Momentum ETF 3.60%
  • JPMorgan U.S. Quality Factor ETF 1.20%
  • Vanguard U.S. Momentum Factor 0.70%
  • iShares MSCI USA Quality GARP ETF 0.30%
  • Weighted yield (per year) 2.40%

The portfolio’s overall dividend yield is about 2.4%, which is modest but not negligible for a growth‑oriented mix. Yield is heavily skewed by the semiconductor fund’s very high stated yield and more moderate payouts from the international momentum and US quality funds. Some other holdings have quite low yields, reflecting their focus on reinvestment and price appreciation rather than income. Dividends can provide a steady return component that doesn’t rely on market pricing, especially over longer horizons. Still, given the factor tilt toward momentum and quality with low yield exposure, most of the portfolio’s expected return is likely to come from capital gains, with dividends acting as a secondary contributor rather than the main driver of total performance.

Ongoing product costs Info

  • Fidelity Select Semiconductors Portfolio 0.62%
  • SPDR Gold Mini Shares 0.10%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • JPMorgan U.S. Quality Factor ETF 0.12%
  • Vanguard U.S. Momentum Factor 0.13%
  • Weighted costs total (per year) 0.17%

On costs, the portfolio’s total ongoing fee (TER) averages about 0.17%, which is impressively low for a set of active or rules‑based factor funds plus a sector fund and gold ETF. The highest‑cost holding is the semiconductor mutual fund at 0.62%, while several ETFs charge between 0.10% and 0.25%. Fees may look small, but they compound over time: every 0.1% saved each year is money that stays invested and can grow. Relative to many actively managed setups, this overall fee level supports stronger long‑term compounding and lines up well with cost‑efficient practices. The blend of mostly low‑cost ETFs with one pricier specialist fund strikes a balance between targeted exposure and keeping ongoing expenses contained.

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