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Confident overachiever portfolio built like a race car with the handbrake half on

Report created on Mar 31, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

What type of investor this portfolio is suitable for

Balanced Investors

This setup fits someone who says “balanced” but definitely flirts with growth. Comfortable with real volatility, but not full chaos, they probably have a long time horizon and a decent tolerance for short-term pain as long as the long-term chart slopes up. They like a sensible core — big indexes, global spread — but can’t resist adding a dash of small-cap and emerging spice. Gold is in there as a psychological comfort blanket rather than a full hedge. This personality trusts markets overall, is okay with complexity, and wants to outperform “just the market” without turning life into a day-trading hobby.

Positions

Structurally this portfolio looks like someone actually read a book and then got bored halfway through. You’ve got a big, boring S&P 500 chunk at 40%, then a mystery box “enhanced” small-cap sleeve at 17%, plus two Dimensional value tilts and a 10% safety blanket in gold. It’s half sensible core, half “I like factors but not commitment.” The mix screams “balanced” but with a definite itch for risk in the small-cap and emerging markets pockets. Takeaway: this is more thought-through than most, but the weights are messy — the core is solid, the satellites are loud, and the risk budget is clearly not distributed with a ruler.

Growth Info

Historically, this thing has been flexing. Turning $1,000 into $1,580 in a bit over two years with a 21.6% CAGR is spicy, especially versus ~16.9% for both US and global markets. Max drawdown at -14.8% is actually shallower than both benchmarks, so you’ve somehow managed “more return, less pain” over this window. Just don’t treat this like the new normal; this is a very short period, turbo-charged by a strong equity environment. Past returns are like a highlight reel: fun to watch, terrible for planning the next season. Enjoy the win, but don’t build your entire self-esteem around a two-year hot streak.

Asset classes Info

  • Stocks
    90%
  • Other
    10%

Asset-class split is simple: 90% stocks, 10% “other,” which is basically your gold bar cosplay. For a “balanced” label, this is equity-heavy; bonds are suspiciously missing, like you skipped the vegetables section and walked straight to steak and dessert. That 10% gold is doing some defensive work, but it’s not a full risk-management strategy — more like a fire extinguisher in a house with no smoke alarms. Takeaway: this is a stock portfolio with a shiny accessory, not a true multi-asset cushion. Fine for long horizons and strong stomachs, less fine if “balanced” to you means sleeping through crises.

Sectors Info

  • Technology
    20%
  • Financials
    15%
  • Industrials
    13%
  • Health Care
    9%
  • Consumer Discretionary
    9%
  • Telecommunications
    6%
  • Energy
    5%
  • Basic Materials
    4%
  • Consumer Staples
    4%
  • Utilities
    3%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, you’ve built a pretty textbook equity buffet, then fed it a tech-leaning dessert. Technology at 20% is chunky but not absurd, and the rest — financials, industrials, healthcare, consumer stuff — looks reasonably spread. So no single sector scream like an obsession, but those top tech names in the look-through section say a lot of your drama lives in one high-octane corner. The subtle risk here is thinking “I’m diversified” because the pie chart has colors, while a lot of actual return swings get dictated by tech sentiment cycles. It’s diversified enough to feel safe, not diversified enough to be boring.

Regions Info

  • North America
    58%
  • Europe Developed
    17%
  • Japan
    7%
  • Asia Developed
    3%
  • Asia Emerging
    2%
  • Australasia
    2%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geography: America is home base, surprise surprise. Around 58% in North America dominates, with the rest sprinkled moderately across Europe, Japan, and other developed and emerging pockets. For a US-based investor, this is actually less patriotic than average — you did allow your money a passport. The Dimensional international small-cap and emerging value funds are the grown-up move here: not flashy, but they pull you meaningfully outside the usual big developed markets. Takeaway: this is one of the rare “US-centered but not completely US-blind” allocations. Surprisingly sensible international allocation for someone clearly not afraid of volatility.

Market capitalization Info

  • Mega-cap
    30%
  • Large-cap
    24%
  • Mid-cap
    15%
  • Small-cap
    11%
  • No data
    10%
  • Micro-cap
    8%

This breakdown covers the equity portion of your portfolio only.

Your market-cap mix is where the inner risk-taker quietly leaks out. About 54% in mega and large caps gives that stable, index-hugging core. But then 11% small-cap and 8% micro-cap show you absolutely volunteered for extra turbulence. That’s the “I want more upside and I’m okay getting punched in bear markets” choice. It’s not reckless, but it’s definitely not timid either. This isn’t a sleepy, blue-chip-only retirement snoozer — it’s more like a fairly responsible adult who still rides roller coasters and pretends it’s for the kids. Expect sharper swings than a plain vanilla index mix, especially when small caps misbehave.

True holdings Info

  • NVIDIA Corporation
    2.93%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Apple Inc
    2.66%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    1.98%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    1.39%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    1.23%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    1.03%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    0.98%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Meta Platforms Inc.
    0.96%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Tesla Inc
    0.77%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
  • Berkshire Hathaway Inc
    0.63%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Top 10 total 14.56%

Look-through holdings show the usual suspects running the show: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla — the whole “Mag7-ish” celebrity lineup. You don’t hold them directly, but through your funds, so you’re basically fangirling via ETFs. The coverage is low (only top 10s), so the overlap is definitely higher than it looks. Translation: when those giants sneeze, your portfolio catches a cold in multiple places at once. Hidden concentration like this is sneaky because it looks diversified on the surface. It’s like having three different burgers from three restaurants and then realizing they all used the same sauce.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 100%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 95%
Quality
Preference for financially healthy companies
Neutral
Data availability: 95%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
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 profile is surprisingly chill. Most levers — value, size, momentum, quality, yield — sit around neutral, so you’re not screaming “deep value believer” or “momentum junkie.” The one notable tilt is toward low volatility, which is the market equivalent of preferring cars with airbags and functioning brakes. That’s hilarious given your small-cap and emerging positions, but between the S&P core and gold, the overall blend ends up relatively smoother than it could be. In factor terms, you’re not trying to be clever — you’ve accidentally landed on “balanced with a tiny safety bias.” Could be skill, could be luck, either way it works.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 40.00%
    40.4%
  • Fidelity Enhanced Small Cap ETF
    Weight: 17.00%
    22.8%
  • Fidelity Covington Trust
    Weight: 20.00%
    19.4%
  • Dimensional ETF Trust - Dimensional International Small Cap Value ETF
    Weight: 8.00%
    7.5%
  • SPDR® Gold Shares
    Weight: 10.00%
    5.5%
  • Top 5 risk contribution 95.6%

Risk contribution is where the real power dynamics show up. Your S&P 500 ETF is 40% of the weight and about 40% of the risk — fair enough. The spicy bit is the Fidelity Enhanced Small Cap ETF: 17% weight, but almost 23% of total risk. That thing is the loud cousin at the family reunion. Gold, at 10% weight and only ~5.5% of risk, is basically quietly minding its own business and occasionally helping in bad times. The top three positions deliver over 82% of all the portfolio’s drama. That’s not a crisis, but it’s very “few players, lots of spotlight.”

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 is basically yelling, “Same ingredients, better recipe.” At your current risk level, you’re sitting a solid 7.5 percentage points below what could be achieved just by reshuffling the weights of the holdings you already own. Your Sharpe ratio is good, but the “optimal” and even minimum-variance mixes are better — more return for similar or lower risk. That’s like owning all the right tools and still using a butter knife as a screwdriver. The good news: this isn’t a “wrong assets” problem, it’s a “clumsy weighting” problem. You’re close to great; you just didn’t finish the optimization homework.

Dividends Info

  • Dimensional ETF Trust - Dimensional Emerging Markets Value ETF 2.50%
  • Dimensional ETF Trust - Dimensional International Small Cap Value ETF 2.60%
  • Fidelity Enhanced Small Cap ETF 0.70%
  • Vanguard S&P 500 ETF 1.20%
  • Fidelity Covington Trust 3.20%
  • Weighted yield (per year) 1.57%

Yield at about 1.57% is… not exactly “living off the cash flow” territory. This portfolio clearly prioritizes growth over income, with only the more value-tilted and dividend-friendly positions doing any noticeable lifting. The flashy names under the hood are mostly more about price appreciation than generous payouts. Which is fine if the plan is compounding over the long term and reinvesting rather than collecting checks. Just don’t pretend this setup is going to fund a lavish lifestyle from dividends anytime soon. It’s a growth engine with a small side order of yield, not an income machine that happens to grow.

Ongoing product costs Info

  • Dimensional ETF Trust - Dimensional Emerging Markets Value ETF 0.43%
  • Dimensional ETF Trust - Dimensional International Small Cap Value ETF 0.42%
  • Fidelity Enhanced Small Cap ETF 0.28%
  • SPDR® Gold Shares 0.40%
  • Vanguard S&P 500 ETF 0.03%
  • Fidelity Covington Trust 0.28%
  • Weighted costs total (per year) 0.21%

Costs are where you accidentally nailed it. A total TER around 0.21% for an actively flavored, diversified ETF mix is pretty reasonable. You’re paying up a bit for the Dimensional and “enhanced” small-cap toys, but the huge S&P 500 position at 0.03% drags the average back down to sanity. This isn’t the cheapest thing you could build, but it’s comfortably in the “not getting ripped off” bucket. Think economy ticket with one slightly overpriced drink, not first-class prices for a middle seat. Fees aren’t the villain in this story — they’re just a minor background character with a speaking line.

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