High octane index hugger with a side of crypto chaos pretending to be sophisticated diversification
Report created on Apr 18, 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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SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 30.00% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 30.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
IB iShares Bitcoin Trust
IBIT - US46438F1012 10.00%
This portfolio is basically “S&P 500 plus vibes.” Sixty percent is straight US large-cap market exposure, 20% is a broad international dollop to look worldly, then 10% small-cap value tossed in so it feels smart, and 10% Bitcoin because apparently sleep is overrated. The structure screams growth investor who wants to be edgy but can’t quite let go of the benchmark blanket. The overlap between plain S&P and momentum S&P means you’re paying twice to own a lot of the same giants, just shuffled. Takeaway: it’s sturdy enough, but you’re mixing vanilla, turbo-vanilla, and rocket-fuel dessert without fully checking how they interact.
Growth
Historically, this thing has ripped — $1,000 to $1,634 in a bit over two years is no joke, with a 24.48% CAGR versus roughly 20% for both US and global markets. That’s like beating your athletic friend in a race while wearing a backpack full of Bitcoin. The max drawdown of about -18.6% is basically in line with the benchmarks, so you didn’t even suffer more to get that extra return. But remember: this is a very short, very weird window where momentum and crypto did their little fireworks show. Past data is like yesterday’s weather: helpful, but it doesn’t sign a contract for tomorrow.
Projection
Monte Carlo simulation is basically running a thousand alternate-universe timelines for your portfolio to see how often it dies, survives, or thrives. Here, the “most likely” path turns $1,000 into about $2,898 over 15 years — not bad, but far from guaranteed. The range is hilariously wide: from under $900 to almost $8,700, which is the financial version of “you might get rained on or hit the lottery.” A 75.7% chance of a positive result is decent, but not bulletproof. Takeaway: this setup is built to grow but not built for comfort; future outcomes could swing hard in both directions.
Asset classes
- Stocks 90%
- Crypto 10%
Ninety percent stocks and 10% crypto is not “moderately aggressive”; it’s equity-heavy with a little casino corner. There’s basically zero ballast here — no bonds, no cash buffer, just vibes and volatility. In good times, this is fun; in bad times, it’s a roller coaster with no lap bar. The 10% Bitcoin chunk doing almost 19% of the risk says it loud: you’ve chosen excitement over stability. That’s fine if the time horizon is long and nerves are solid, but anyone needing steady withdrawals would absolutely hate this ride. Takeaway: this is a growth engine, not a comfort portfolio.
Sectors
- Technology 28%
- Financials 13%
- Industrials 12%
- Health Care 7%
- Consumer Discretionary 7%
- Telecommunications 7%
- Energy 5%
- Consumer Staples 5%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Sector-wise, tech is clearly the main addiction at 28%, and that’s before considering how momentum and S&P overlap likely sneak in even more tech-heavy names. Financials, industrials, and the rest show up enough to look respectable, but the portfolio’s emotional state is tied to the tech cycle. When tech is booming, you look like a genius; when it’s not, suddenly everything feels broken, even though it’s just one over-loved area having a mood swing. This isn’t disastrous, but it’s definitely a tilt. Takeaway: don’t be shocked if sector moves feel exaggerated — you’re not as balanced as the list of sectors pretends.
Regions
- North America 71%
- Europe Developed 7%
- Japan 3%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, this is “USA with occasional postcards from abroad.” About 71% in North America and just 20% in total international stocks says the worldview is very America-first. The tiny allocations to Europe, Japan, Asia, and everywhere else feel more like decoration than conviction. It’s not a crime — the US has incredible companies — but it does mean you’re heavily tied to one economic and political system. If the US stumbles while other regions shine, you’ll be that person who ignored the rest of the global party. Takeaway: global diversification exists here, but more as an accessory than a core feature.
Market capitalization
- Mega-cap 33%
- Large-cap 33%
- Mid-cap 12%
- Small-cap 6%
- Micro-cap 5%
This breakdown covers the equity portion of your portfolio only.
The market-cap breakdown is mostly “big stuff with a sprinkle of chaos.” Roughly two-thirds is mega and large caps, which are the grown-ups in the room, and then you bolt on mid, small, and even micro caps as the wild younger cousins. That 10% in US small-cap value plus micro exposure gives you more volatility without clearly improving the balance — it’s like adding hot sauce just to prove you can. Not terrible, but not cleanly intentional either. Takeaway: this behaves mostly like a large-cap portfolio with a small-cap kicker that can either help or just make the ride bumpier.
True holdings
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BT Grayscale Bitcoin Mini Trust (BTC) 10.00%
Part of fund(s):- iShares Bitcoin Trust
-
NV NVIDIA Corporation 5.08%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 3.09%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.40%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 2.00%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.91%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 1.83%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
MS Microsoft Corporation 1.48%
Part of fund(s):- Vanguard S&P 500 ETF
-
JN Johnson & Johnson 1.46%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
AM Amazon.com Inc 1.09%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 30.34%
The look-through is a hall of mirrors: NVIDIA, Broadcom, Alphabet, Apple, Microsoft, Amazon — the usual mega-cap celebrity lineup — show up across multiple ETFs. You look diversified, but underneath it’s the same popular kids wearing different jerseys. And only about 39% of the portfolio is even captured in this top-10 holding view, so the real overlap is almost certainly worse than it looks. Hidden concentration like this is sneaky: you think you own a bunch of funds, but your fate is heavily tied to a few giant names. Takeaway: if those headline companies sneeze, this portfolio catches a cold in stereo.
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 exposure is almost suspiciously normal. Value, size, momentum, quality, low volatility, and yield all sit close to “neutral,” which means you’re basically running a market-like factor blend despite having some fancy labels like “momentum” and “small-cap value” in there. In factor terms, this is a very beige portfolio wearing a leather jacket. On the upside, it means you’re not blindly overloading on some weird niche risk like ultra-low quality or hyper-momentum. On the downside, it suggests a lot of the complexity isn’t doing much different from a simple broad-market approach. Takeaway: for all the moving parts, the factor recipe is mostly plain vanilla.
Risk contribution
-
Invesco S&P 500® Momentum ETF
Weight: 30.00% 32.4% -
Vanguard S&P 500 ETF
Weight: 30.00% 25.4% -
iShares Bitcoin Trust
Weight: 10.00% 18.7% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 13.9% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 9.6%
Risk contribution is where the truth shows up. That 10% Bitcoin slice contributing almost 19% of total risk is the kid in class who talks twice as much as everyone else. The momentum S&P fund pulls 32% of risk from 30% weight — not crazy, but clearly the noisy sibling compared to the more boring vanilla S&P at 25% risk from 30% weight. Top three positions drive over 76% of total risk, so the rest of the holdings are more like background singers. Takeaway: if something goes wrong, it will almost certainly start with momentum or Bitcoin — they’re steering the drama.
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, this portfolio is basically working hard but not smart. A Sharpe ratio of 1.16 isn’t bad, but the efficient frontier says, “With these same ingredients, you could have done meaningfully better.” You’re about 3.26 percentage points below the best you could get at this risk level, which is like running with a weighted vest you didn’t realize you were wearing. The optimal mix boosts return and Sharpe at almost the same risk, and even the minimum-variance version beats your risk-adjusted profile. Takeaway: the holdings are fine, but the way they’re mixed is objectively inefficient and leaving return on the table.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco S&P 500® Momentum ETF 0.80%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.26%
A total yield of about 1.26% is… decorative. This is not an income portfolio; this is a growth portfolio that occasionally flips you a quarter. The higher yield from international stocks is doing most of the lifting, while momentum and small caps aren’t exactly showering you with cash. If the plan was to live off dividends, this setup is basically saying, “Nope, you’re here for price swings, not paychecks.” Takeaway: if income ever becomes a priority, this structure would need a serious rethink — right now the dividend line is just a minor side effect, not a feature.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- iShares Bitcoin Trust 0.12%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.10%
Costs are annoyingly reasonable. A total expense ratio around 0.10% is the financial equivalent of finding out your flashy-looking car actually gets great gas mileage. Even the “fancier” funds like Avantis small-cap value and the momentum ETF are priced at levels that don’t make you look careless. You’re not lighting money on fire with fees, which means any performance mess-ups can’t be blamed on costs — they’re coming from actual choices. Takeaway: fee control is solid; you must have clicked the right ETFs on purpose or got very lucky while trying to be clever.
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