Growth chaser with a tech caffeine addiction hiding inside otherwise boring index wrappers
Report created on Apr 2, 2026Risk 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.
Positions
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VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 50.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 20.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 10.00%
Structurally this thing is three-ETF vanilla with a shot of pure chaos. Half the money sits in a broad US fund, which is reasonable adult behavior. Then you bolt on 20% NASDAQ 100 and 10% semiconductors, which is like ordering a salad and drowning it in hot sauce and extra bacon. The 20% international is the token “I know diversification matters” gesture. The end result is a US-heavy, tech-tilted growth machine pretending to be a simple index portfolio. Takeaway: the base is sensible, but the add-ons crank risk and concentration far more than the top-level weights suggest.
Growth
Historically, this has been the fun kid in class. A $1,000 stake turned into about $2,081, with a 14.43% CAGR — Compound Annual Growth Rate, basically your average speed over the whole ride. You beat the US market by ~1.3% a year and the global market by ~3.3%, which is respectable outperformance, not lottery-winner stuff. The trade-off: a chunky -30% max drawdown versus about -24% for the US market. So you paid with extra gut punches for slightly better long-term gains. Also, 90% of returns came from just 22 days — miss those and it’s a different story. Past data is helpful, but it’s still yesterday’s weather.
Projection
The Monte Carlo simulation — basically thousands of “what if” futures rolled like dice — paints a more boring picture than your recent history. Median outcome over 15 years is $2,730 from $1,000, which is around 7.8% a year, not the 14% party you’ve been enjoying. The likely range is wide: from “meh” $1,770 to “nice” $4,062, and extremes stretch from losing ground to 7x growth. That’s the point: simulations show possibilities, not promises. They assume the future rhymes with the past, which it rarely does perfectly. Takeaway: expect decent growth, but don’t mentally lock in another decade of 2020s-style tech euphoria.
Asset classes
- Stocks 100%
Asset classes: 100% stocks, 0% anything else. This isn’t a portfolio; it’s an opinion: “who needs brakes when you’ve got a good engine?” For a growth profile, it’s not insane, but it does mean your entire fate is tied to equity markets. No bonds, no cash buffer, no stabilizers — just vibes and earnings reports. When markets run, this setup feels genius. When they don’t, you eat the full volatility buffet. Takeaway: pure equity portfolios demand both a long time horizon and strong stomach; if either is missing, the asset mix is doing you no favors.
Sectors
- Technology 39%
- Financials 11%
- Consumer Discretionary 9%
- Industrials 9%
- Telecommunications 9%
- Health Care 8%
- Consumer Staples 5%
- Basic Materials 3%
- Energy 3%
- Utilities 2%
- Real Estate 2%
Sector-wise, tech at 39% is basically your personality at this point. Then there’s a more civilized spread across financials, consumer areas, industrials, telecom, health care, and tiny slices of everything else. The semiconductor ETF cranks that tech tilt even more, turning “growth-leaning” into “please let innovation never slow down.” Compared with broad markets, you’re clearly betting that tech keeps dragging the world forward. That’s great when the story holds… until regulators, rates, or just simple boredom show up. Takeaway: if tech has a lost decade, this portfolio won’t just underperform, it’ll sulk.
Regions
- North America 79%
- Europe Developed 8%
- Asia Developed 4%
- Japan 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, 79% in North America screams “home bias with a passport stamp.” You’ve sprinkled a little Europe, Japan, and emerging Asia, plus token crumbs in the rest of the world, just enough to say “I’m diversified” at parties. In reality, you’re betting that North American companies continue to dominate innovation, profits, and market sentiment. That’s worked for a long time, but it does leave you heavily exposed to one economic and policy regime. Takeaway: this setup works if the US and neighbors keep leading; if other regions shine, you only get a polite side serving of that upside.
Market capitalization
- Mega-cap 45%
- Large-cap 32%
- Mid-cap 16%
- Small-cap 4%
- Micro-cap 1%
Your market cap breakdown is “index junkie with a mega-cap crush.” About 45% mega-cap and 32% large-cap means roughly three-quarters of your money is riding on the biggest names on earth. Mid-caps get some love, but small and micro caps are basically background noise at 5% total. This is fine if you want stability within equities and prefer owning the giants. But it also means you’re heavily tied to how a relatively small number of massive companies behave. Takeaway: you’re not really betting on “the whole market”; you’re mostly betting on the corporate equivalent of the Fortune 50.
True holdings
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NV NVIDIA Corporation 6.73%
Part of fund(s):- Invesco NASDAQ 100 ETF
- VanEck Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 4.47%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.32%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.52%
Part of fund(s):- Invesco NASDAQ 100 ETF
- VanEck Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.44%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.04%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.73%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.71%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.62%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Taiwan Semiconductor Manufacturing 1.17%
Part of fund(s):- VanEck Semiconductor ETF
- Top 10 total 27.76%
Under the hood, you’re basically worshipping the usual mega-cap tech gods. NVIDIA at 6.7%, Apple 4.5%, Microsoft 3.3%, plus Meta, Amazon, Alphabet, Tesla, and TSMC all crowding the top. And that’s just within the limited top-10 look-through, so the real overlap is almost certainly higher. You haven’t picked individual stocks, but you’ve managed to recreate a FAANG-and-friends shrine by accident using ETFs. This creates hidden concentration: if big tech sneezes, your portfolio catches the flu from three different directions at once. Takeaway: broad ETFs don’t save you from being concentrated if they’re all built around the same celebrities.
Factors
Factor exposure — the hidden ingredients behind performance — is hilariously neutral across the board. Value, size, momentum, quality, yield, low volatility: you’re basically sitting at “market average” for everything. No sneaky tilt toward cheap stocks, fast movers, high-quality balance sheets, or steady plodders. That’s surprisingly balanced for a portfolio that looks quite spicy on the surface. The lesson: your risk profile comes more from sector and geography choices than from fancy factor bets. Takeaway: if this behaves oddly, it won’t be because of some obscure quant tilt; it’ll be because tech and US megacaps decide to have a mood swing.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 50.00% 45.6% -
Invesco NASDAQ 100 ETF
Weight: 20.00% 23.1% -
VanEck Semiconductor ETF
Weight: 10.00% 16.8% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 14.5%
Risk contribution — who’s actually rocking the boat — reveals your troublemakers. The US total market ETF is 50% of the weight but only 45.6% of risk, so it’s the relatively chill grown-up. The NASDAQ ETF at 20% weight contributes 23.1% of risk, and the semiconductor ETF at 10% weight throws in a wild 16.8%. That tiny allocation is seriously overachieving in the volatility department. Top three positions drive over 85% of total risk, which means your “diversified” portfolio is really three big risk levers plus some decoration. Takeaway: if anything needs trimming in a panic, it’s the spicy stuff, not the boring core.
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.
On the efficient frontier, your portfolio is basically sitting where it should. The Sharpe ratio — risk-adjusted return, like grade points per hour studied — is 0.59, with 14.9% return and 18.6% risk. The optimizer says you could push Sharpe higher by going even more aggressive (31.98% return at 34.64% risk) or go calmer with lower risk and a slightly better Sharpe. But crucially, you’re on or very near the frontier, meaning for this product set, your mix is already efficient. Takeaway: the ingredients are combined smartly; the only debate is whether this level of volatility matches actual human tolerance, not math.
Dividends
- Invesco NASDAQ 100 ETF 0.50%
- VanEck Semiconductor ETF 0.30%
- Vanguard Total Stock Market Index Fund ETF Shares 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 2.90%
- Weighted yield (per year) 1.31%
A 1.31% total yield is basically pocket change — enough to buy a coffee, not fund a lifestyle. The international fund is the only one trying to pretend dividends exist; the NASDAQ and semiconductors are like “we pay you in vibes and capital gains only.” This is totally consistent with a growth-focused approach but useless if someone expects regular income. And remember, low yield means you’re banking almost entirely on price appreciation to do the heavy lifting. Takeaway: this is a “sell shares later” plan, not a “live off the dividends” one. Treat it accordingly.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- VanEck Semiconductor ETF 0.35%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.09%
Costs are where you accidentally nailed it. A total TER of 0.09% is impressively low — that’s “I actually read the factsheets” territory. Even the semiconductor ETF at 0.35% is reasonably priced given how niche and specialized it is. Overall, you’re paying economy-class prices for what is, structurally, an aggressive flight path. That’s good: fees are one of the few things you can control, and you’re not lighting money on fire here. Takeaway: don’t touch the fee side; if anything needs fixing, it’s risk and concentration, not costs.
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