Roast mode 🔥

A momentum fueled factor salad sprinting uphill and hoping gravity never shows up

Report created on Jan 7, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This thing is not a portfolio it’s a personality test that screamed “factors or nothing.” You’ve basically stacked quality and momentum on top of U.S. and international small value like a finance nerd’s tasting menu. The structure leans way into style bets instead of boring broad-market ballast, which is fun right up until the market decides it hates your factors all at once. Compared with a plain S&P 500 tracker, this is spicier and more concentrated under the hood. To tame it a bit, consider adding at least one dull, broad, low-turnover core equity holding to reduce the “all factors fire at once” drama.

Growth Info

Historically, the numbers are flexing hard: an 18.1% CAGR is “feel like a genius” territory. CAGR, or Compound Annual Growth Rate, is basically your average speed over a wild road trip, ignoring the potholes. The pothole here is a max drawdown around -35%, which is the “check account twice a day and question life choices” phase. Against typical growth benchmarks, that return is strong, but don’t get cozy: markets don’t hand out 18% a year forever. Past returns are like last season’s weather: useful vibes, terrible crystal ball. Mentally rehearse what happens if the next decade is half as good with similar drawdowns.

Projection Info

The Monte Carlo results look like they were generated by an optimist on espresso. Monte Carlo just means “run the portfolio through thousands of random what-if market paths” and see the range of outcomes. A median outcome above 800% sounds wild, but that’s simulation math built on historical patterns that may not repeat. The 5th percentile still being strongly positive is unusually generous; reality loves to be messier. Treat those numbers as “this could happen” not “this will happen.” It would be wise to sanity-check with lower assumed returns and nastier crashes to see if the plan still works when the party stops.

Asset classes Info

  • Stocks
    100%

Asset classes here are easy: it’s stocks or die. You’ve got 100% equities, 0% bonds, 0% anything else, which is peak “I believe in capitalism and have not met a bear market yet.” Compared with a typical growth profile that might hold 10–30% in bonds or stabilizers, this is fully in the deep end without floaties. That can work if the time horizon is long and the stomach is made of reinforced steel. Still, moving a slice into something less dramatic—short-term bonds, cash buffer, or even a mild stabilizer—could prevent future “why did I do this” moments when volatility actually bites.

Sectors Info

  • Financials
    22%
  • Technology
    20%
  • Industrials
    19%
  • Consumer Discretionary
    9%
  • Consumer Staples
    8%
  • Telecommunications
    5%
  • Energy
    5%
  • Basic Materials
    4%
  • Health Care
    4%
  • Utilities
    3%
  • Real Estate
    1%

Sector-wise, this is a momentum-flavored tilt: financials, tech, and industrials running the show. No single sector is outrageously dominant, which is the one surprisingly adult thing going on, but you are still riding whatever style and sector fads momentum happens to latch onto. Momentum strategies can flip from genius to clown when leadership changes, and you’ll feel that in these sector weights more than in a broad index. The mix isn’t insane, just twitchy. Keeping an eye on whether any sector quietly drifts to “over 30% hero worship” status and nudging it back down occasionally would save you from becoming an accidental single-sector fanatic.

Regions Info

  • North America
    78%
  • Europe Developed
    13%
  • Japan
    4%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Asia Developed
    1%

Geography screams “America first and maybe some friends if there’s room.” Around 78% in North America is higher than global market weight, which is more like 60%. The rest is sprinkled across developed markets with basically no love for emerging markets at all. So yes, you’re internationally diversified, but only in the “I know Europe and Japan exist” sense. That home bias works fine when the U.S. leads, but if leadership flips, you’re chained to one engine. A slight bump to non-U.S. exposure and a tiny sliver to emerging markets could turn this from “U.S. dominance cosplay” into actual global participation.

Market capitalization Info

  • Large-cap
    32%
  • Mega-cap
    22%
  • Mid-cap
    21%
  • Small-cap
    16%
  • Micro-cap
    8%

The size mix is one of the more respectable quirks: mega, big, mid, small, and even micro all show up, like you actually read a finance book once. But there’s a noticeable lean into smaller and mid caps via those small value and mid-momentum funds. That’s cool in theory—small caps can juice long-term growth—but they also wobble like a shopping cart with a broken wheel in rough markets. Compared to a classic large-cap-heavy index, this will feel more chaotic. Keeping the current tilt is fine if that’s intentional, but maybe set a hard mental limit on how far into small and micro land you’re willing to drift.

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.

Risk versus return here looks like it was set to “send it” rather than “optimize it.” The historical and Monte Carlo numbers suggest excellent returns, but the max drawdown and all-equity setup say you’re paying with serious gut-check risk. Efficient Frontier just means the best trade-off between risk and return for a given mix—not fantasy land where you get high returns with no pain. This portfolio sits noticeably above typical volatility levels for a growth label. To make it more efficient, think about dialing down a bit of factor stacking, adding a small stabilizing slice, and making sure the ride matches actual sleep-at-night tolerance instead of performance FOMO.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.00%
  • Avantis® U.S. Small Cap Value ETF 1.50%
  • Invesco S&P International Developed Momentum ETF 3.60%
  • Invesco S&P 500® Quality ETF 1.10%
  • Invesco S&P 500® Momentum ETF 0.70%
  • Invesco S&P MidCap Momentum ETF 0.80%
  • Weighted yield (per year) 1.60%

A total yield of about 1.6% is “don’t quit your day job” territory. This setup clearly favors capital growth over income, which is fine, but no one is paying their rent with these dividends. The higher yields on the international and value sleeves are doing some work, but the momentum and quality pieces drag the average down. Dividends aren’t magic, but they’re useful as a built-in cash flow and mild cushion in rough patches. If future income matters, gradually nudging the overall yield up—without chasing yield traps—could balance things a bit. If not, just accept this is a growth machine, not a paycheck generator.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Invesco S&P 500® Quality ETF 0.15%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.22%

Costs are actually one of the least embarrassing parts here. A total expense ratio around 0.22% is pretty solid for a factor-heavy, multi-ETF build. You’re paying more than a plain vanilla index, but given all the style tilting and “smart” screens, that’s not outrageous. Think of it as ordering the fancy burger instead of the plain one—not cheap, but not bottle-service stupid either. Still, every extra basis point is a quiet leak over decades. Occasionally shopping around for cheaper versions of similar exposures, or trimming redundant funds, could keep the fee drag from sneaking up as the portfolio grows and compounding actually matters.

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