This portfolio has only about 3 months 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.

Concentrated growth oriented portfolio with strong US tilt and limited data to judge long term behavior

Report created on May 20, 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 mainly from equity ETFs, with a clear anchor in broad US stocks and growth names. The two Vanguard core funds together make up over half of the allocation, providing a wide spread across the stock market. Around a quarter of the portfolio is in more focused or thematic ETFs, plus small slices in gold and bitcoin. This structure mixes broad “core” holdings with narrower “satellite” positions that can move quite differently. Because the history is only about three months, any comments on how this mix behaves over a full cycle are tentative. But structurally, it leans toward growth and risk assets rather than defensive holdings.

Growth Info

Over the short 3‑month window, $1,000 grew to about $1,065, a solid gain but behind both the US and global market benchmarks. The portfolio’s compound annual growth rate (CAGR) of 29.71% sounds dramatic, but over such a tiny sample it mostly reflects noise; it should not be read as a stable long‑term pace. The max drawdown of around ‑10% was slightly deeper than the benchmarks, showing a bit more downside in this brief period. Only two days made up 90% of the returns, underlining how short‑term performance can hinge on a handful of volatile sessions and may not repeat.

Projection Info

The Monte Carlo projection uses those short historical returns to simulate 1,000 different 15‑year paths for a $1,000 investment. Monte Carlo is basically a “what if machine” that shuffles past ups and downs into many possible futures. Here, the median outcome lands around $2,623, with a wide possible range from roughly $981 to $7,194. The model’s average annual return of 7.86% is mathematically tidy but statistically shaky, because it is built on just three months of history. That limited input makes every projected number more of an illustration of potential variability than a reliable forecast of what this portfolio is likely to do.

Asset classes Info

  • Stocks
    90%
  • No data
    8%
  • Crypto
    2%

Most of the portfolio, about 90%, sits in stocks, with 2% in crypto and 8% tagged as “no data.” A stock weighting this high is consistent with a growth‑oriented risk profile and typically leads to stronger sensitivity to equity market swings, both up and down. Relative to a blended stock‑bond mix, this setup will usually show more volatility and less cushioning in market downturns. The small crypto slice adds another layer of risk, as it tends to move independently and sharply. The “no data” bucket simply marks missing classification, so the observable picture is still predominantly equity‑driven.

Sectors Info

  • Technology
    31%
  • Industrials
    11%
  • Health Care
    10%
  • Financials
    9%
  • Telecommunications
    8%
  • Consumer Discretionary
    8%
  • Energy
    3%
  • Consumer Staples
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Crypto
    2%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is tilted toward Technology at 31%, followed by meaningful allocations to Industrials, Health Care, Financials, and Telecommunications. This is more tech‑heavy than a generic broad market, reflecting the growth emphasis in parts of the portfolio. Tech‑centric portfolios can benefit strongly during periods of innovation and low interest rates but can also be more sensitive when growth stocks fall out of favor or rates rise. The presence of several smaller sectors, plus crypto and Real Estate at modest levels, adds some variety without fully balancing the technology tilt. Over time, such sector bias can lead to more uneven performance across different market environments.

Regions Info

  • North America
    69%
  • Europe Developed
    7%
  • Asia Developed
    5%
  • Asia Emerging
    3%
  • Japan
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, the portfolio is strongly anchored in North America at 69%, with the rest spread across developed Europe and Asia, emerging Asia, Japan, and smaller slices in other regions. This US‑centric stance is common and loosely in line with many global investors, though global benchmarks usually show a slightly lower US share and more weight abroad. The dedicated EAFE and Emerging Markets ETFs help broaden exposure beyond the US. A US tilt means results are particularly tied to the American economy and currency. That has paid off in recent years, but with only three months of history here, it’s too early to draw conclusions about how this mix behaves over full global cycles.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    25%
  • Mid-cap
    17%
  • Small-cap
    7%
  • Micro-cap
    3%

This breakdown covers the equity portion of your portfolio only.

By market capitalization, the portfolio leans toward mega‑cap and large‑cap companies, which together make up over 60% of exposure, with meaningful allocations down the size spectrum to mid, small, and even micro caps. Large companies often provide more stability, liquidity, and analyst coverage, while smaller ones can be more volatile but offer greater potential swings in either direction. This tiered spread helps avoid relying solely on the very biggest names, while still keeping a solid core in established businesses. In practice, volatility and performance will still be heavily influenced by larger caps, simply because they form the bulk of the holdings.

True holdings Info

  • NVIDIA Corporation
    4.72%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    4.08%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    3.10%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    2.30%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    2.28%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    1.95%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    1.81%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    1.37%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    1.10%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.99%
    Part of fund(s):
    • iShares Core MSCI Emerging Markets ETF
  • Top 10 total 23.70%

This breakdown covers the equity portion of your portfolio only.

Looking through to the ETFs’ top holdings, a lot of exposure clusters in familiar big tech names: NVIDIA, Apple, Microsoft, Alphabet, Amazon, and others. NVIDIA alone accounts for about 4.7%, with Apple and Microsoft close behind. Because these appear across multiple funds, they create hidden concentration that’s larger than it might first seem from the ETF list. And since we only see top‑10 holdings, actual overlap is likely understated. When several funds share the same giants, the portfolio can become more sensitive to how those few companies perform, even if each individual ETF looks diversified on its own.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 17%
Size
Exposure to smaller companies
Very low
Data availability: 90%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 15%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 95%

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.

On factors, the portfolio shows a very low tilt to Size (12%), meaning a strong preference for larger companies over smaller ones, and a high tilt to Momentum (75%), which means holdings that have recently done well. Factor exposure is like checking which “personality traits” your stocks share. A strong momentum tilt can help in steadily rising markets but can hurt when trends suddenly reverse, as popular names may fall faster. The reduced exposure to the Size factor suggests less emphasis on smaller companies, which can moderate some volatility but also reduces that potential small‑cap “kick.” Other factors are around neutral or not available, so the standout traits here are big, trend‑following stocks.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 41.00%
    31.6%
  • Vanguard Growth Index Fund ETF Shares
    Weight: 15.00%
    14.2%
  • iShares Core MSCI Emerging Markets ETF
    Weight: 8.00%
    11.8%
  • iShares Core MSCI EAFE ETF
    Weight: 10.00%
    10.8%
  • Defiance Quantum ETF
    Weight: 5.00%
    7.5%
  • Top 5 risk contribution 75.9%

Risk contribution shows how much each holding adds to overall ups and downs, which can be very different from its simple weight. The broad US market ETF, at 41% weight, contributes about 32% of risk, a bit less than its size would suggest, thanks to its diversification. Emerging Markets, at 8% weight, contributes nearly 12% of risk, and the Quantum ETF, at 5% weight, adds about 7.5%, both punching above their weights. The top three positions together account for around 58% of total portfolio risk. This means day‑to‑day volatility is still dominated by a small set of core funds, even with several satellite positions.

Redundant positions Info

  • Vanguard Growth Index Fund ETF Shares
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The correlation data highlights that the Total US Market ETF and the US Growth ETF move almost identically. Correlation measures how often two assets move in the same direction; when it’s very high, they tend to rise and fall together. Holding both still adds value because they cover slightly different slices of the market, but in terms of diversification, they behave quite similarly. In sharp market moves, this pair is likely to reinforce each other’s impact on the portfolio rather than offset it. Over a longer history, correlations can change, so this three‑month snapshot gives only a rough guide to their relationship.

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 compares your current mix to the best possible combinations of the same holdings. Here, the current portfolio’s Sharpe ratio of 1.25 sits well below both the maximum‑Sharpe and minimum‑variance portfolios, and it is about 25 percentage points beneath the frontier at its current risk level. The Sharpe ratio measures return per unit of risk, so higher is better risk‑adjusted performance. This gap suggests that, based on the brief data set, different weightings of these same ETFs could have delivered a better balance between risk and return. Because the history is so short, though, this should be read as a rough signal, not a precise guide.

Dividends Info

  • iShares Core MSCI EAFE ETF 3.30%
  • iShares Core MSCI Emerging Markets ETF 2.40%
  • Global X U.S. Infrastructure Development ETF 0.80%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.00%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • SPDR® S&P Biotech ETF 0.30%
  • Defiance Quantum ETF 0.80%
  • Weighted yield (per year) 1.08%

Income from dividends is modest, with a total yield around 1.08%. Most of this comes from the international developed and emerging markets ETFs, which have higher yields than the US growth‑focused funds. Yield is simply the cash return from dividends relative to the portfolio value, and here it plays a supporting rather than leading role in potential returns. In a growth‑oriented setup like this, most of the expected payoff is from price movement rather than cash distributions. Over time, reinvesting even small dividends can still make a difference, but with the current mix, income is clearly secondary to capital growth.

Ongoing product costs Info

  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • iShares® Gold Trust Micro 0.09%
  • iShares Core MSCI EAFE ETF 0.07%
  • iShares Core MSCI Emerging Markets ETF 0.09%
  • Global X U.S. Infrastructure Development ETF 0.47%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • SPDR® S&P Biotech ETF 0.35%
  • Defiance Quantum ETF 0.40%
  • Weighted costs total (per year) 0.10%

The portfolio’s overall cost, with a total expense ratio around 0.10%, is impressively low. Most core holdings charge just a few basis points, with only a couple of thematic funds and the bitcoin trust carrying higher fees. Costs are like a small, constant headwind: they quietly chip away at returns every year. Keeping them low leaves more of any future gains in your pocket, especially over long periods where compounding magnifies the impact. Against typical actively managed strategies or more expensive thematic bundles, this cost level lines up well with best practices and provides a strong structural advantage, regardless of how markets behave.

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