A high-flying portfolio that might just forget to land
Report created on Aug 12, 2025Risk profile
4/7
Diversification profile
4/5
Positions
-
AV American Century ETF Trust - Avantis U.S. Large Cap Value ETF
AVLV - US0250723493 30.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 30.00% -
ID Invesco S&P International Developed Momentum ETF
IDMO - US46138E2220 20.00% -
DF Dimensional International Value ETF
DFIV - US25434V8072 15.00% -
IB iShares Bitcoin Trust
IBIT - US46438F1012 5.00%
Your portfolio is like a party with a guest list that's both predictable and a tad eccentric. The heavy reliance on momentum and value ETFs suggests you're trying to ride the waves of the market's mood swings, while throwing in a dash of Bitcoin is like adding a wildcard to the mix. It's as if you're trying to balance a seesaw with people from different weight classes. While diversity is commendable, this particular mix feels like you're trying to bake a cake with ingredients that don't quite mix well.
Growth
Historically, your portfolio has performed like a rocket — impressive, with a CAGR of 28.29%, but remember, what goes up can come down, or at least, orbit for a while. The max drawdown of -16.43% is a stark reminder that gravity exists. Banking so heavily on past performance is like driving while only looking in the rearview mirror. Sure, you've had some great days, but those 16 days that made up 90% of your returns? That's not strategy; that's luck.
Projection
Monte Carlo simulations show you're either on the brink of becoming a monopoly or just a cautionary tale, with a 5th percentile at a staggering 1,366.7% and a 50th at 8,517.6%. While these numbers could make anyone's heart race, remember, simulations are like weather forecasts for your investments — helpful, but not always accurate. It's essential to plan for both sunny days and storms, not just endless rainbows.
Asset classes
- Stocks 95%
- Other 5%
With 95% in stocks and a flirtatious 5% with Bitcoin, your asset class spread is like betting everything on red at the roulette table. Sure, it's thrilling, but it's also a bit reckless. Diversification across asset classes isn't just an old wives' tale; it's sound advice. Consider bonds, real estate, or even commodities as potential suitors to balance your portfolio's risk and return.
Sectors
- Financials 25%
- Industrials 13%
- Consumer Discretionary 12%
- Technology 12%
- Telecommunications 10%
- Energy 7%
- Consumer Staples 6%
- Health Care 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 1%
Your sector allocation reads like a tech enthusiast's dream, with heavy bets on financial services, industrials, and technology. While these sectors have their moments in the sun, your portfolio could use a bit of shade. Over-reliance on hot sectors can lead to burns. Spreading your bets across more sectors, including those less exciting but more stable ones, could help smooth out the ride.
Regions
- North America 65%
- Europe Developed 20%
- Japan 5%
- Australasia 3%
- Asia Developed 1%
- Africa/Middle East 1%
Geographically, your portfolio is heavily North American with a side of Europe and a sprinkle of Japan. This approach screams "safe," but in the global buffet of investments, you're missing out on the emerging markets' spicy flavors. Diversifying geographically can reduce risk and expose you to growth opportunities outside the developed world's comfort zone.
Market capitalization
- Mega-cap 39%
- Large-cap 32%
- Mid-cap 19%
- Small-cap 4%
Your market cap allocation is like a middle-aged adult trying to hang out with both the cool kids (mega and big caps) and the up-and-comers (medium, small, and micro caps) but not fully committing to either. This spread can offer balance, but leaning too heavily on any one size can topple your portfolio. A more thoughtful mix could help you capture growth while mitigating risk.
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.
Your portfolio's risk-return profile could use a tune-up. It's like you're trying to win a race with a car that's only been optimized for speed, forgetting that fuel efficiency and durability matter too. Seeking the best risk-return mix is about balance, not just chasing high returns. Rebalancing towards a more efficient frontier could help you achieve your financial goals without unnecessary risk.
Dividends
- American Century ETF Trust - Avantis U.S. Large Cap Value ETF 1.60%
- Dimensional International Value ETF 3.30%
- Invesco S&P International Developed Momentum ETF 2.00%
- Invesco S&P 500® Momentum ETF 0.60%
- Weighted yield (per year) 1.56%
Your dividend strategy is like finding loose change under the sofa cushions — nice to have but not something to rely on for rent. With an overall yield of 1.56%, it's clear that income isn't your primary goal. However, incorporating higher-yielding assets could provide a steady income stream and add a cushion during market dips.
Ongoing product costs
- American Century ETF Trust - Avantis U.S. Large Cap Value ETF 0.15%
- Dimensional International Value ETF 0.27%
- iShares Bitcoin Trust 0.12%
- Invesco S&P International Developed Momentum ETF 0.25%
- Invesco S&P 500® Momentum ETF 0.13%
- Weighted costs total (per year) 0.18%
On costs, you're doing something right; with a total TER of 0.18%, you're not letting fees eat away at your returns. It's like finding a no-booking-fee concert ticket — a small victory worth celebrating. Keep scrutinizing those costs, though; every little bit helps in maximizing your investment returns.
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