This portfolio has only about 1.1 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.

Strongly momentum tilted US growth portfolio with heavy technology exposure and limited diversification

Report created on May 9, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

This portfolio is built from five US equity ETFs, each at an even 20% weight, and is 100% invested in stocks. Three of the funds explicitly focus on momentum or a concentrated US style, while the others cover the NASDAQ 100 and the broad US market. With no bonds, cash, or alternatives, the structure leans fully into equity growth potential. That keeps things simple to understand and manage, but it also means the portfolio’s ups and downs are closely tied to stock markets. The even weighting avoids a single fund dominating by design, yet the chosen strategies naturally tilt toward similar growth themes, which shows up later in sectors, factors, and risk concentration.

Growth Info

Over the roughly 1.1‑year window, $1,000 in this portfolio grew to about $1,692, implying a very high Compound Annual Growth Rate (CAGR) of 58.95%. CAGR is like average speed over a road trip, smoothing out bumps along the way. Over the same period, US and global benchmarks returned around 27–28% annually, so the portfolio outperformed meaningfully. The max drawdown, or worst peak‑to‑trough drop, was about -15%, slightly deeper than the benchmarks. Only 15 days created 90% of returns, highlighting how a few strong days drove results. With such a short and unusually strong tech‑momentum period, this performance is informative but not a reliable guide to long‑term behavior.

Projection Info

The Monte Carlo simulation projects many possible 15‑year paths by “remixing” the limited historical return and volatility data thousands of times. It’s a bit like running weather models using past patterns to see a range of future scenarios. The median outcome grows $1,000 to about $2,591, with a typical middle range between roughly $1,769 and $3,798, and a wide possible band from $925 to $7,569. The average simulated annual return is 7.8%, with about a 72.6% chance of ending positive. Because these projections lean heavily on just 1.1 years of data dominated by strong momentum, they should be seen as rough, not precise, and certainly not guarantees.

Asset classes Info

  • Stocks
    100%

All of the portfolio sits in one asset class: equities. There are no bonds, cash, or other diversifiers in the mix. Equities are generally the growth engine in long‑term portfolios, but they also tend to swing more in the short term. With 100% in stocks, the overall risk level is naturally elevated compared with a blended stock‑bond mix. Relative to broad market norms, which often include some fixed income, this is a more aggressive profile. The benefit is full participation in equity upside; the trade‑off is feeling the full effect of equity market downturns, with no built‑in ballast from more defensive asset classes.

Sectors Info

  • Technology
    52%
  • Industrials
    13%
  • Telecommunications
    8%
  • Consumer Discretionary
    7%
  • Consumer Staples
    5%
  • Health Care
    4%
  • Financials
    4%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    1%
  • Real Estate
    1%

Sector exposure is heavily tilted toward technology at 52%, with the remainder spread across industrials, telecom, consumer discretionary and staples, healthcare, financials, energy, materials, utilities, and real estate. This tech concentration is consistent with the NASDAQ 100 and semiconductor ETF, plus momentum funds that often favor high‑growth, innovation‑driven names. Tech‑heavy portfolios can benefit strongly when innovation and earnings growth are rewarded, but they may be more sensitive to interest rate changes, regulatory pressure, or shifts away from growth stocks. Compared with broad global benchmarks, this is a much more focused sector profile rather than a balanced, evenly spread mix across the economy.

Regions Info

  • North America
    96%
  • Asia Developed
    2%
  • Europe Developed
    1%

Geographically, about 96% of the portfolio is in North America, with only small allocations to developed Asia and Europe. That means returns are closely tied to the US market and US dollar, rather than being spread across multiple regions. Many global benchmarks allocate a sizable share outside the US, so this portfolio is significantly more US‑centric than “world” indices. A strong home bias like this can work well when the US market leads, as it has in recent years, but it also means economic, policy, and market shocks in one region can have an outsized impact on the entire portfolio. Currency diversification is also limited.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    35%
  • Mid-cap
    21%
  • Small-cap
    6%

By market capitalization, the portfolio is anchored in mega‑cap and large‑cap companies, together making up about 72%, with mid‑caps at 21% and small‑caps around 6%. Large and mega‑cap stocks tend to be more established, widely researched businesses, which can mean relatively more stability and liquidity than smaller companies. The presence of mid‑ and small‑caps still adds some growth potential and a bit of extra volatility. Overall, this size mix is reasonably aligned with broad US market weights, helped by the total market ETF. The main story is not about size tilts, but about style and sector tilts, which are more pronounced elsewhere in the data.

True holdings Info

  • NVIDIA Corporation
    7.95%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • VanEck Semiconductor ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    4.32%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • VanEck Semiconductor ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Micron Technology Inc
    3.28%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • VanEck Semiconductor ETF
  • Apple Inc
    2.62%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    2.40%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing
    2.03%
    Part of fund(s):
    • VanEck Semiconductor ETF
  • Alphabet Inc Class C
    2.00%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    1.93%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Advanced Micro Devices Inc
    1.81%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • VanEck Semiconductor ETF
  • Amazon.com Inc
    1.65%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 29.99%

Looking through ETF top holdings, several names repeat across funds, creating hidden concentration. NVIDIA stands out at about 8% of the portfolio, with Broadcom over 4% and Micron above 3%, plus meaningful exposure to Apple, Alphabet (both share classes), Microsoft, AMD, Amazon, and TSMC. These overlaps are driven by the tech and momentum focus, where the same leaders appear in multiple indices and strategies. Because only top‑10 ETF holdings are included, actual overlap is likely higher. This means the portfolio’s results are more tightly linked to a handful of large, growth‑oriented companies than the number of ETFs might initially suggest.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 40%
Size
Exposure to smaller companies
Very low
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 60%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
Low
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Low
Data availability: 80%

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 strong tilt toward momentum at 75% and a very low tilt to size at 10%, with low value, yield, and low‑volatility scores. Factors are like underlying “ingredients” — characteristics such as cheapness (value), trendiness (momentum), or stability (low volatility) that research links to returns over time. A high momentum tilt means the portfolio leans into stocks that have been recent winners, which can work well in trending markets but can amplify drawdowns if leadership suddenly reverses. The very low size factor suggests a bias away from smaller companies, reinforcing the large‑cap focus. Overall, this is a distinctly momentum‑driven, growth‑oriented factor profile rather than a balanced mix.

Risk contribution Info

  • VanEck Semiconductor ETF
    Weight: 20.00%
    30.7%
  • Invesco S&P 500® Momentum ETF
    Weight: 20.00%
    19.2%
  • Invesco NASDAQ 100 ETF
    Weight: 20.00%
    18.7%
  • MarketDesk Focused U.S. Momentum ETF
    Weight: 20.00%
    16.0%
  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 20.00%
    15.4%

Risk contribution data shows that, even with equal 20% weights, the VanEck Semiconductor ETF drives about 31% of total portfolio risk, roughly 1.5 times its share by weight. The NASDAQ 100 and S&P 500 Momentum ETFs together bring total risk from the top three positions to about 69%. Risk contribution measures how much each holding adds to overall volatility — like noticing which instruments are actually loudest in an orchestra. Here, the semiconductor sleeve, with its more concentrated and cyclical nature, is the main volatility engine. The more diversified total market and focused momentum ETFs contribute less risk per dollar invested.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Invesco NASDAQ 100 ETF
    High correlation

The correlation analysis flags the Invesco NASDAQ 100 ETF and the Vanguard Total Stock Market ETF as moving almost identically over the short history. Correlation measures how often assets move together; a value near 1 means they usually rise and fall in tandem. High correlation isn’t inherently bad, but it does limit diversification benefits, especially during sharp market moves. In this case, two of the core building blocks behave similarly, so their combination doesn’t dramatically smooth the ride. With only 1.1 years of data, these correlation estimates may shift over time, but they already reflect a strong common exposure to major US growth names.

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 analysis suggests the current mix sits about 2.9 percentage points below the best achievable return for its risk level using just these ETFs. The Sharpe ratio — a measure of risk‑adjusted return that compares extra return to volatility — is 1.89 for the current portfolio, versus 2.38 for the optimal weighting and 1.56 for the minimum‑variance mix. This means, over the short sample, simply reweighting the same holdings could have delivered a better balance between risk and return. Because the inputs come from a brief, momentum‑friendly period, these findings are more of an educational snapshot than a long‑term blueprint.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.40%
  • VanEck Semiconductor ETF 0.20%
  • Invesco S&P 500® Momentum ETF 0.70%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.00%
  • MarketDesk Focused U.S. Momentum ETF 0.20%
  • Weighted yield (per year) 0.50%

The portfolio’s total dividend yield is around 0.50%, with individual ETFs ranging from 0.20% to 1.00%. Dividends are cash payouts from companies and can form a meaningful part of long‑term returns, especially in income‑oriented portfolios. Here, the low yield reflects a strong growth and momentum bias, where companies often reinvest earnings rather than pay them out. As a result, the portfolio’s return profile is driven far more by price changes than by income. That’s consistent with the tech and momentum tilts observed elsewhere, but it also means the portfolio doesn’t have much of a built‑in cash‑flow component.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • VanEck Semiconductor ETF 0.35%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.13%

The weighted average Total Expense Ratio (TER) across the ETFs is about 0.13%, with individual funds ranging from 0.03% to 0.35%. TER is the annual fee charged by a fund, similar to a membership fee, and it’s automatically deducted from returns. At 0.13%, costs are impressively low for a portfolio that blends broad market exposure with more specialized strategies like semiconductors and momentum. Keeping costs modest helps more of any gross return stay in the portfolio over time. Even though 0.13% seems small in a single year, it compounds, so having this low‑fee structure is a meaningful positive foundation for long‑term compounding.

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