Growth-chasing US tech fan that thinks eight months of gains is a personality trait
Report created on May 10, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 56.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 22.00% -
VE Vanguard FTSE Developed Markets Index Fund ETF Shares
VEA - US9219438580 18.00% -
SP Fidelity® Government Money Market Fund
SPAXX - US31617H1023 4.00%
This portfolio is basically a three-fund equity stack with a tiny money market mascot. Over half is a broad US total market fund, then a big extra scoop of US large-cap growth, plus a side of developed ex-US. It looks diversified at first glance, but most of the action is riding on the same group of big, shiny names. Structurally, it’s “US stocks plus some international and a cash coaster,” not some grand multi-asset design. That’s fine, but let’s not pretend it’s more complex or nuanced than it is. It’s a simple growth-leaning equity machine dressed up with a very small safety blanket.
Growth
The performance chart is pure sugar high: $1,000 turning into $1,163 in eight months and a ridiculous-looking 137% CAGR. That “CAGR” (compound annual growth rate) is just the math you get when you annualize a short, hot streak — like claiming you’re a marathoner because you sprinted the first 200 meters. Drawdowns have been mild and the ride looks smooth, but eight months is basically statistical noise, not a track record. Beating the US market but lagging the global market in this tiny sample says more about recent style winds than any enduring brilliance.
Projection
The Monte Carlo projection is trying its best with very little history, like predicting your life story from your first week at a new job. It simulates thousands of random 15-year paths and lands on a median outcome of about $2,639 from $1,000, with lots of room for both boredom and drama. That 7.78% annualized projection is “average conditions from limited data,” not some prophecy. The range from roughly $960 to $7,220 screams, “Hey, a lot can happen.” Past eight-month fireworks don’t magically convert into 15 years of guaranteed greatness.
Asset classes
- Stocks 96%
- Cash 4%
Asset class diversity here is basically “stocks, stocks, and a 4% apology in cash.” With 96% in equities, this is unapologetically growth-first and volatility-friendly. Calling this “Moderately Diversified” is generous; it’s diversified within the equity sandbox, not across fundamentally different engines like bonds or alternatives. That means when stocks party, this will party; when stocks sulk, this will sulk hard. The cash slice is more of a rounding error than a stabilizer. This isn’t a balanced orchestra — it’s a loud guitar solo with a triangle player in the back.
Sectors
- Technology 30%
- Financials 13%
- Industrials 10%
- Consumer Discretionary 10%
- Telecommunications 10%
- Health Care 9%
- Consumer Staples 4%
- Cash 4%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Sector-wise, this portfolio clearly worships at the altar of tech and its friends, with technology alone at 30% and consumer discretionary, telecom, and communication-heavy names tagging along. Other sectors exist mainly so the pie chart doesn’t look embarrassing. Utilities, real estate, and basic materials are basically the quiet kids at the table. This kind of tilt works wonderfully when shiny growth names are in favor and feels less fun when boring, defensive sectors take the lead. It’s not “wrong”; it’s just very much betting on one style of economy showing up to work every day.
Regions
- North America 80%
- Europe Developed 9%
- Cash 4%
- Japan 4%
- Asia Developed 2%
- Australasia 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, this is very “USA and some honorable mentions.” About 80% in North America says the portfolio is convinced home is where all the good stuff lives, with a small peace offering to Europe, Japan, and other developed markets. It’s global-ish, not truly global. That home bias means returns will mostly echo whatever the US market is doing, with the international sleeve acting as a mild accent rather than a real counterweight. When the US dominates, this looks smart; when other regions lead, it quietly eats humble pie in the background.
Market capitalization
- Mega-cap 44%
- Large-cap 28%
- Mid-cap 17%
- Small-cap 5%
- Micro-cap 1%
This breakdown covers the equity portion of your portfolio only.
On market cap, the portfolio is heavily dominated by mega- and large-caps, with mid-caps as a supporting act and small/micro-caps thrown in for seasoning. This is the classic “own the giants, sprinkle in the rest” structure. It avoids the chaos of being small-cap obsessed, but it also leans into the same huge, crowded trades that everyone else owns. That can make the portfolio feel very index-like in behavior — good for stability relative to pure small-cap chaos, but not exactly original. It’s more blue-chip conference than scrappy startup festival.
True holdings
-
NV NVIDIA Corporation 6.10%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 5.38%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.97%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 3.09%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.62%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.26%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 2.09%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.88%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.77%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
BR Berkshire Hathaway Inc 0.76%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 29.92%
This breakdown covers the equity portion of your portfolio only.
The look-through holdings scream hidden concentration. NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla — the usual “Magnificent Everything” suspects — are showing up repeatedly through overlapping ETFs. Since only top-10 ETF holdings are captured, this is the tip of the iceberg, not the full overlap. The result is a portfolio that pretends to be spread across many holdings but is actually heavily driven by the same handful of mega-cap names. It’s diversification theater: lots of tickers, but a small group of companies doing most of the heavy lifting behind the curtain.
Factors
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.
Factor-wise, this thing is a momentum junkie with a serious size aversion. A high 75% momentum tilt means it’s chasing what’s been working recently — like buying whatever just went viral — and a very low size exposure says it mostly avoids smaller companies. Factor exposure is basically the portfolio’s ingredient list, and here it reads: “big, fast-rising names only.” That can look amazing when trends persist but gets ugly when the music stops or leadership shifts. With only eight months of data feeding these metrics, treat them as hints, not immutable personality traits.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 56.00% 51.6% -
Vanguard FTSE Developed Markets Index Fund ETF Shares
Weight: 18.00% 31.5% -
Schwab U.S. Large-Cap Growth ETF
Weight: 22.00% 16.3% -
Fidelity® Government Money Market Fund
Weight: 4.00% 0.6%
Risk contribution reveals who’s actually shaking the portfolio, and surprise: the Vanguard FTSE Developed Markets slice is punching well above its weight. At 18% weight but over 31% of total risk, it’s the drama queen of the group, while the US total market fund behaves more proportionally. Schwab’s large-cap growth fund, despite its glam style, is actually under-pulling on risk relative to its size. Risk contribution is like tracking who’s actually causing the mood swings in a group chat; here, one holding is noisier than its share suggests, which matters when volatility shows up.
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–return chart, the current portfolio sits below the efficient frontier, which is a polite way of saying, “You’re not getting paid as well as you could for the risk you’re taking.” The efficient frontier is the curve of best possible tradeoffs using only your existing ingredients. The optimal mix here has a higher Sharpe ratio (better risk-adjusted return) with slightly lower risk, meaning the same holdings could be rearranged into something less chaotic per unit of reward. It’s like assembling IKEA furniture almost correctly: functional, but a few screws are clearly in the wrong place.
Dividends
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard FTSE Developed Markets Index Fund ETF Shares 2.70%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Fidelity® Government Money Market Fund 2.30%
- Weighted yield (per year) 1.23%
The portfolio’s total yield of about 1.23% confirms this is not here for the dividend life. The growth-heavy US exposure is more interested in price moves than handing out generous cash payments. That’s fine, but it means the portfolio relies heavily on capital appreciation for results, not a steady income stream. Dividends are more like a side effect than a design feature. If this portfolio were a restaurant, it’s serving tasting-menu capital gains with a thimble of yield on the side. Just don’t confuse low yield with low risk — they’re not the same thing at all.
Ongoing product costs
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.03%
Costs are almost suspiciously low, with a total TER around 0.03%. This is “tripped and fell into the right funds” cheap. Fees at this level are basically background noise compared to market moves — the portfolio’s biggest threat is its risk profile, not its expense drag. That said, ultra-low costs don’t automatically make the overall design smart; they just mean the mistakes, if any, are at least inexpensive. Think of it as booking the budget airline: you’ll definitely feel the turbulence, but at least you didn’t overpay for the privilege.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey