US focused stock portfolio blending broad market core with momentum and small cap value tilts
Report created on Aug 23, 2026Risk profile
5/7
Diversification profile
2/5
Positions
-
FX Fidelity 500 Index Fund
FXAIX - US3159117502 65.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 25.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00%
This portfolio is a three-fund, all-stock mix dominated by a broad US large-cap index fund at 65%. On top of that core, 25% is in a momentum-focused ETF and 10% in a small-cap value ETF. So structurally it’s “core plus satellites”: a plain-vanilla base with two more specialized layers. This helps keep the overall structure simple to understand and maintain while still adding some distinct return drivers. The trade-off is that all three funds sit in the same general market, which matches the “growth” risk label but also explains the low diversification score. The design leans clearly toward chasing equity growth rather than smoothing the ride with other asset types.
Growth
From late 2019 to August 2026, $1,000 grew to about $3,118, a compound annual growth rate (CAGR) of 17.97%. CAGR is like average speed on a road trip: it smooths out the bumps to show typical yearly progress. Over this period, the portfolio beat both the US market and global market by a meaningful margin. The worst drop (max drawdown) was about -34%, almost in line with major benchmarks during the 2020 crash. That combination—similar downside but higher long-term growth—shows the momentum and small-cap value pieces added performance juice without massively raising historical drawdowns. Still, past returns happened in a tech-heavy bull run and can’t be assumed going forward.
Projection
The Monte Carlo projection looks at many possible futures by reshuffling past return and volatility patterns into 1,000 simulated paths. It’s like running the next 15 years in a thousand parallel worlds using the same broad “weather” as history. The median outcome turns $1,000 into roughly $2,934, with a typical middle range from about $1,897 to $4,402. The wide 5–95% band, from about $1,103 to $8,635, shows just how uncertain equity results can be over time. An average simulated annual return of 8.62% is much lower than the recent 17.97% CAGR, highlighting that historical outperformance and favorable market conditions may not repeat in the same way.
Asset classes
- Stocks 100%
Across asset classes, this portfolio is a pure 100% stock allocation. There’s no built-in ballast from bonds, cash, or alternatives, which is consistent with the “growth” risk label and the high volatility history. Equities tend to offer higher long-term return potential but can experience sharp and sudden drops, as seen in the 2020 drawdown. Compared with a typical “balanced” mix that might blend stocks and bonds, this structure concentrates results on how the stock market behaves, especially the US part of it. That focus can be appealing for long horizons but means there’s little natural cushion during broad equity selloffs or periods when stocks move sideways for extended stretches.
Sectors
- Technology 39%
- Financials 12%
- Industrials 10%
- Telecommunications 9%
- Health Care 8%
- Consumer Discretionary 6%
- Consumer Staples 5%
- Energy 4%
- Consumer Discretionary 2%
- Basic Materials 2%
- Utilities 2%
- Real Estate 2%
Sector exposure is heavily tilted toward technology at 39%, with financials, industrials, telecom, and health care making up much of the rest. This tech emphasis is stronger than broad-market norms, reflecting both the S&P 500’s modern makeup and the added momentum sleeve, which often favors fast-growing, high-performing names. A tech-heavy profile can benefit when innovation and growth stocks lead, but it tends to be more sensitive to interest rate changes, regulation, and shifts in investor sentiment about high-growth companies. The remaining sectors are reasonably spread, which helps, but the headline story here is that a large share of the portfolio’s fate is tied to technology-related business cycles and market narratives.
Regions
- North America 99%
Geographically, the portfolio is almost entirely US-focused, with around 99% in North America. That lines up closely with its underlying benchmarks but is more concentrated than a truly global market mix, where non-US stocks represent a large slice of world equity value. A strong US tilt means results will be driven mainly by the US economy, corporate earnings, and dollar movements. This has worked well over the last decade, as US stocks have generally outperformed many other regions. The trade-off is that if US markets lag or face structural challenges, there’s limited exposure to potentially offsetting performance from other parts of the world that might be in different stages of economic or market cycles.
Market capitalization
- Mega-cap 38%
- Large-cap 36%
- Mid-cap 15%
- Small-cap 6%
- Micro-cap 5%
By market cap, the portfolio leans toward larger companies, with roughly 38% in mega-caps and 36% in large-caps, then stepping down to mid, small, and a modest slice of micro-caps. This pattern reflects the core S&P 500 holding, which is size-weighted, plus the dedicated small-cap value ETF that brings in more smaller names. Large and mega-cap stocks tend to be more established businesses with deeper liquidity, which can sometimes mean more stability and lower trading costs. The small and micro allocations, while much smaller, add exposure to more niche and potentially faster-growing firms, increasing both upside potential and volatility. Overall, this is a large-cap-led structure with a noticeable small-cap kicker.
True holdings
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MU Micron Technology Inc 2.71%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
NV NVIDIA Corporation 2.19%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
AV Broadcom Inc 1.61%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
JN Johnson & Johnson 1.09%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
GO Alphabet Inc Class A 1.05%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
AM Advanced Micro Devices Inc 0.99%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
LR Lam Research Corp 0.93%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
GO Alphabet Inc Class C 0.84%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
XO Exxon Mobil Corp 0.75%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
IN Intel Corporation 0.65%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Top 10 total 12.80%
Looking through into the top ETF holdings, a handful of familiar names appear as notable exposures, including Micron, NVIDIA, Broadcom, Alphabet, and Johnson & Johnson. None of these are held directly; they show up because multiple funds own them. Overlap like this can create hidden concentration: a company that looks like a small slice in one fund can become a larger combined exposure across the portfolio. Because the analysis only sees ETF top-10 holdings, some overlap is likely understated in the uncovered 86% of positions. Still, the pattern already hints that certain big tech and semiconductor names punch above their apparent weight in driving returns and risk within this concentrated US equity mix.
Factors
Factor exposure is generally close to market-like across value, size, momentum, quality, and low volatility, with all of those sitting in the “neutral” band. Factor exposure is basically how much the portfolio leans into certain traits—like cheapness (value) or recent winners (momentum)—that research links to long-term returns. A neutral profile suggests the broad index core is dominating. The only notable deviation is a low yield score at 32%, meaning the holdings pay less in dividends than the overall market on average. That fits with the growth and momentum components, which often favor companies reinvesting cash back into the business rather than paying it out as dividends to shareholders.
Risk contribution
-
Fidelity 500 Index Fund
Weight: 65.00% 62.9% -
Invesco S&P 500® Momentum ETF
Weight: 25.00% 26.0% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 11.1%
Risk contribution measures how much each holding adds to the portfolio’s ups and downs, which can differ from simple weight. Here, the broad index fund is 65% of the portfolio and contributes about 63% of total risk, roughly proportional. The momentum ETF is 25% and contributes around 26% of risk, again very close. The small-cap value ETF, at 10% weight, contributes a slightly higher 11% of risk, reflecting that smaller, value-oriented stocks can be a bit bumpier. Overall, risk is spread quite proportionally across the three positions, with no single satellite fund dominating volatility far beyond its size. The concentration is driven more by asset class (all stocks) than by one runaway holding.
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 risk vs. return chart, the current mix sits on or very close to the efficient frontier, which is the curve showing the best possible return for each level of risk using these same holdings. The Sharpe ratio, which measures return per unit of risk over the risk‑free rate, is 0.72 for the current portfolio versus 0.94 for the mathematically “optimal” mix and 0.81 for the minimum-variance mix. Those higher Sharpe ratios show that alternative weightings could squeeze more risk-adjusted return from these same three funds. Still, being right on the frontier means the existing allocation is already broadly efficient—there’s no obvious historical sign of wasted risk within this specific three-fund menu.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.20%
- Fidelity 500 Index Fund 1.00%
- Invesco S&P 500® Momentum ETF 0.70%
- Weighted yield (per year) 0.94%
The total dividend yield for the portfolio is about 0.94%, which is modest and below many broad equity income strategies. Yield is the cash paid out each year as dividends, expressed as a percentage of the current value, and can be an important part of total return over long periods. Here, the core index fund yields around 1.0%, with slightly higher yield from small-cap value and lower from the momentum ETF. This pattern fits a growth-oriented portfolio where returns are expected to come more from price appreciation than from regular cash payouts. Investors relying heavily on income would see this as a relatively light stream of dividends compared with more income-focused mixes.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Fidelity 500 Index Fund 0.02%
- Invesco S&P 500® Momentum ETF 0.13%
- Weighted costs total (per year) 0.07%
The total expense ratio (TER) across the three funds averages about 0.07%, which is impressively low for an active-tilted structure. TER is the annual fee charged by funds to cover management and operating costs, taken straight out of returns. The core index fund is extremely cheap at 0.02%, the momentum ETF charges 0.13%, and the small-cap value ETF 0.25%. In combination, these costs barely dent performance, especially compared with many actively managed funds that charge several times more. Keeping fees this low supports better long-term compounding, because less return is being siphoned off each year. It’s a clear structural strength of this portfolio and aligns well with cost-conscious best practices.
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