A high growth tilted portfolio blending momentum stocks with sizeable gold and silver holdings

Report created on Dec 18, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio leans strongly into momentum-driven stocks, with the largest slice in a US momentum ETF, backed by a big allocation to gold and some silver and uranium exposure. A broad international ETF rounds things out, while a tiny slice sits in cash-like money market and speculative individual names. Compared with a classic balanced benchmark, this mix is more growth and factor-tilted and less bond-heavy. That tilt can supercharge returns but also amplifies swings. It’s worth checking if this heavy momentum and metals combination matches your comfort with bigger ups and downs, and whether you’d like to smooth the ride by slowly adding more defensive or income-oriented pieces.

Growth Info

Historically, this mix has delivered a very strong Compound Annual Growth Rate (CAGR) of about 21%. CAGR is simply the “average yearly speed” of growth over time, as if the portfolio grew at a steady rate every year. A max drawdown of roughly -25% means that, at one point, the portfolio dropped about a quarter from a prior peak, which is a noticeable but not extreme dip for a growth-leaning setup. The fact that 90% of returns came from just 29 days highlights how a handful of big up days drive long-term results. Staying invested through volatility is crucial, since missing those days can drastically reduce long‑term outcomes.

Projection Info

The Monte Carlo results here are very wide, which fits a higher-volatility portfolio. Monte Carlo simulation uses thousands of “what if” scenarios based on past return and volatility patterns to estimate possible future paths; it’s like running many alternate timelines for your money. The median path ending around +824% looks impressive, but the 5th percentile at about -82% shows that severe losses are possible in poor scenarios. Also, the 40% annualized return across simulations is likely inflated by recent strong performance and may not be sustainable. It’s helpful to treat these numbers as rough ranges, not promises, and to decide if you’re okay with those downside paths.

Asset classes Info

  • Stocks
    73%
  • Other
    26%

The asset class split is roughly 73% in stocks and 26% in “other,” which here mainly means gold and silver, with essentially no bonds. A typical balanced benchmark often holds a meaningful bond allocation alongside stocks and maybe a smaller slice of alternatives. Your sizeable precious metals bucket acts as a partial hedge against inflation and market stress, which is a clever offset to the growth side. But metals don’t pay income and can go through long flat stretches. It may be helpful to ask whether you want to keep relying on metals as your main stabilizer or gradually introduce more traditional defensive assets to diversify your “safety” tools.

Sectors Info

  • Technology
    21%
  • Financials
    12%
  • Industrials
    9%
  • Energy
    8%
  • Telecommunications
    7%
  • Consumer Staples
    4%
  • Consumer Discretionary
    4%
  • Utilities
    3%
  • Health Care
    2%
  • Basic Materials
    2%
  • Real Estate
    1%

Sector-wise, this mix tilts toward Technology and Financial Services, with decent exposure to Industrials, Energy, and Communications and smaller slices across defensives like Consumer Staples, Utilities, and Healthcare. This looks reasonably spread out and aligns fairly well with broad equity benchmarks, which is a positive sign for diversification within stocks. However, the momentum focus can overweight whichever sectors are currently hot, often tech and related areas, leading to faster swings when sentiment flips or interest rates move sharply. It’s useful to keep an eye on whether any one theme starts dominating overall risk, and to consider trimming if a single sector ever becomes uncomfortably large.

Regions Info

  • North America
    55%
  • Europe Developed
    6%
  • Asia Emerging
    3%
  • Asia Developed
    3%
  • Japan
    3%
  • Australasia
    2%
  • Africa/Middle East
    1%

Geographically, the portfolio is clearly anchored in North America, with about half the exposure there, and a solid but smaller allocation to developed and emerging markets abroad through the international ETF. This is broadly in line with what many US-based investors hold, since US markets dominate global market value. The international sleeve is a plus for diversification, giving access to different economic cycles and currencies. Still, regions like emerging markets, Japan, and Europe are relatively modest slices, so US performance will largely drive results. It’s worth deciding whether you want to lean intentionally US-heavy or slowly nudge toward a more global market-weight mix over time.

Market capitalization Info

  • Large-cap
    28%
  • Mega-cap
    26%
  • No data
    20%
  • Mid-cap
    13%
  • Small-cap
    3%

By market capitalization, there’s a strong tilt toward mega and large companies, which tend to be more established and liquid, with only a small slice in small caps and a chunk classified as “unknown” due to commodity and thematic exposures. Large and mega caps typically offer more stability and narrower bid-ask spreads, which is helpful during rough markets. The speculative quantum computing stocks introduce a tiny but very high-risk element, acting more like lottery tickets than core holdings. This structure is generally sensible: a stable large-cap core plus a small speculative sleeve. Just make sure those high-risk single names stay at a size where a full loss wouldn’t derail your long‑term plan.

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.

From a risk–return angle, this portfolio sits on the aggressive side of what many would call “balanced,” but not extreme. The Efficient Frontier is a concept that maps combinations of your existing holdings that deliver the highest expected return for each level of risk, based only on shifting weights between them. Here, the strong historic returns suggest you’re somewhere in a favorable zone, but the substantial metals and thematic allocations likely make the ride bumpier than a traditional mix with similar return potential. An optimization exercise might show that slightly dialing down the riskiest or most volatile pieces and modestly boosting the broad, lower-cost core could improve the risk‑return ratio without changing the overall philosophy.

Dividends Info

  • Fidelity® Government Money Market Fund 2.00%
  • Invesco S&P 500® Momentum ETF 0.70%
  • Global X Uranium ETF 1.70%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 0.93%

The overall dividend yield of about 0.93% is quite low, which makes sense for a growth and momentum-tilted portfolio with a big precious metals slice. Dividends are cash payments some investments make, like a small “paycheck” from your holdings. High-yield portfolios can support spending needs and reduce the need to sell in downturns. Here, income plays a minor role, with the highest yield coming from the international ETF and a bit from uranium. This setup fits someone focused on long-term growth rather than near-term cash flow. If you ever need more regular income, you could gradually shift a portion toward higher-yielding, more stable holdings while keeping a growth core intact.

Ongoing product costs Info

  • SPDR® Gold Shares 0.40%
  • iShares Silver Trust 0.50%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Global X Uranium ETF 0.69%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.25%

Your total expense ratio around 0.25% is impressively low given the specialized funds included. Expense ratio is the annual fee charged by a fund, taken out of returns, like a small leak in a bucket. The broad international and US momentum ETFs are particularly cost-efficient, and even the gold ETF is reasonable for its niche. The uranium and silver exposures are pricier, but that’s typical for focused thematic and commodity vehicles. Overall, this fee level is a strong advantage: over decades, saving even a fraction of a percent per year can translate into noticeably more money. Just keeping an eye on costs when adding new funds will help preserve this edge.

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