This portfolio has only about 9 months of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
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Growth oriented portfolio with a quality tilt and concentrated exposure to frontier and innovation themes

Report created on Aug 10, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification
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Positions

This portfolio is mostly growth‑oriented stocks, with around 90% in equities, about 9% in bonds, and a small slice in other assets. A single thematic ETF focused on “final frontiers” is the largest position, followed by a sizable direct stake in Apple and several growth‑tilted ETFs and active funds. This structure leans more toward capital growth than capital preservation. With roughly two dozen line items, there’s a reasonable spread across vehicles, but risk is not spread equally: the top three holdings drive almost half of total risk. Because the history is only about nine months, it’s hard to say whether this blend reflects a stable, long‑term structure or a snapshot of a shifting strategy.

Growth Info

Over the short analysis window, $1,000 in this portfolio grew to about $1,170, implying a 22.75% Compound Annual Growth Rate (CAGR). CAGR is like average speed on a trip: it smooths out bumps to show the steady rate needed to get from start to finish. Over these nine months, the portfolio outpaced both the US market and a global market proxy, with slightly smaller maximum drawdown than either benchmark. The worst pullback was about -8.2% and recovered quickly, within weeks. That looks strong, but the time frame is too short to draw firm conclusions; a single good or bad period can dramatically skew both return and risk stats over less than a year.

Projection Info

The forward projection uses a Monte Carlo simulation, which basically means the system reruns many “what if?” market paths based on historical patterns, then checks how the portfolio might end up. Here, 1,000 simulated 15‑year paths show a median outcome of about $2,694 from $1,000, with a wide possible range. The average annual return across simulations is 7.84%. These numbers are educational, not promises: they assume future ups and downs behave somewhat like this short past, which is a big leap with less than a year of real data. Projections are especially fragile when the history is brief and includes a strong run, as it does here.

Asset classes Info

  • Stocks
    90%
  • Bonds
    9%
  • Other
    2%

With 90% in stocks, this is a predominantly equity portfolio, backed by around 9% in bonds, including US Treasuries and a high‑yield fund, plus a small “other” bucket. In simple terms, most of the engine here is growth‑seeking, with bonds acting more as a supporting stabilizer than a main driver. Compared with many broad “balanced” mixes that often hold far more bonds, this leans toward the growth side of the spectrum. Historically, higher equity weight tends to mean larger swings, both up and down, but that pattern can shift across different market regimes. Over just nine months, the behavior of these asset‑class buckets may not fully reflect how they’d interact across a full market cycle.

Sectors Info

  • Technology
    31%
  • Industrials
    19%
  • Financials
    10%
  • Energy
    7%
  • Health Care
    6%
  • Consumer Discretionary
    4%
  • Telecommunications
    3%
  • Basic Materials
    2%
  • Utilities
    2%
  • Consumer Staples
    2%
  • Real Estate
    2%
  • Consumer Discretionary
    1%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is clearly tilted: technology is the standout at about 31%, followed by industrials around 19%, then financials at 10%, with energy, health care, and other sectors making up smaller slices. That tech‑heavy and industrial tilt is consistent with growth and innovation themes. Sector allocation matters because different parts of the economy respond differently to interest rates, regulation, and business cycles. For example, tech and industrials can be more sensitive to changes in growth expectations, while some defensive sectors can be steadier. Relative to a broad, sector‑balanced index, this concentration may add both upside potential and volatility when growth‑related areas are in or out of favor, but nine months of data isn’t enough to see those full cycles play out.

Regions Info

  • North America
    77%
  • No data
    5%
  • Europe Developed
    5%
  • Asia Emerging
    4%
  • Asia Developed
    4%
  • Japan
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 77% of the portfolio is tied to North America, with smaller allocations to developed Europe, developed and emerging Asia, Japan, Latin America, and Africa/Middle East. That North‑America tilt is stronger than many global equity benchmarks, which usually give a larger share to non‑US markets. Geography matters because it spreads exposure across different economies, currencies, and policy environments. A US‑heavy portfolio can benefit when US markets lead but may be more exposed when they lag or when the dollar moves sharply. The presence of emerging and developed markets outside North America does add diversity, but the overall pattern is still anchored firmly to the US, which is important context when thinking about how shocks in one region might ripple through returns.

Market capitalization Info

  • Mega-cap
    28%
  • Mid-cap
    21%
  • Small-cap
    18%
  • Large-cap
    17%
  • Micro-cap
    4%

This breakdown covers the equity portion of your portfolio only.

By market cap, there is a mix: roughly 28% in mega‑caps, 17% in large‑caps, 21% in mid‑caps, 18% in small‑caps, and a noticeable 4% in micro‑caps. That’s broader across size buckets than a typical cap‑weighted global index, which tends to be dominated by the largest companies. Size exposure matters because smaller firms often have more volatile, boom‑and‑bust behavior, while mega‑caps can be steadier but more tied to overall index trends. This blend suggests a deliberate reach beyond the biggest names into the middle and lower end of the size spectrum. With only a short history, though, the portfolio’s actual sensitivity to small‑cap cycles or liquidity squeezes hasn’t really been stress‑tested yet.

True holdings Info

  • Apple Inc.
    12.74%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • SPDR S&P 500 ETF Trust
    • SPDR® Portfolio S&P 500 Growth ETF
    • Schwab U.S. Large-Cap Growth ETF
    Direct holding 11.83%
  • NVIDIA Corporation
    1.15%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • SPDR S&P 500 ETF Trust
    • SPDR® Portfolio S&P 500 Growth ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Oklo Inc.
    1.08%
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.06%
    Part of fund(s):
    • Schwab Emerging Markets Equity ETF
  • Microsoft Corporation
    0.79%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • SPDR S&P 500 ETF Trust
    • SPDR® Portfolio S&P 500 Growth ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Mastercard Inc
    0.60%
    Part of fund(s):
    • Akre Focus ETF
  • Constellation Software Inc.
    0.57%
    Part of fund(s):
    • Akre Focus ETF
  • Ducommun Incorporated
    0.56%
    Part of fund(s):
    • SPDR S&P Kensho Final Frontiers
  • RTX Corporation
    0.54%
    Part of fund(s):
    • SPDR S&P Kensho Final Frontiers
  • Oceaneering International Inc
    0.54%
    Part of fund(s):
    • SPDR S&P Kensho Final Frontiers
  • Top 10 total 19.64%

This breakdown covers the equity portion of your portfolio only.

Looking through the funds, Apple stands out as a key underlying exposure at about 12.7% total, combining the direct position with smaller fund holdings. NVIDIA, Taiwan Semiconductor, Microsoft, and a few other large names appear via ETFs but at much lower weights. This shows some overlap between the stock pick (Apple) and the broad growth funds holding it, which creates a bit of hidden concentration. Look‑through data only covers ETF top‑10 positions, so real overlap is likely understated, especially for active mutual funds. That said, the dominance of Apple is clear even from this partial view, making it a central driver for both performance and risk, despite the many line items in the portfolio.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 55%
Size
Exposure to smaller companies
Low
Data availability: 81%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 43%
Quality
Preference for financially healthy companies
Very high
Data availability: 13%
Yield
Preference for dividend-paying stocks
Low
Data availability: 99%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 76%

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 here shows very high quality and high momentum tilts, with value, size, and yield all on the low side and low volatility roughly neutral. Factors are like underlying “personality traits” of the portfolio—quality captures strong balance sheets and stable profitability, while momentum picks up stocks that have been doing well recently. A strong quality tilt often helps during downturns and earnings scares, because higher‑quality companies can be more resilient. A high momentum tilt can benefit in trending markets but may hurt in sharp reversals when past winners fall out of favor. Because these scores are built on a short history, they should be read more as a snapshot of current holdings’ characteristics than a proven long‑term behavioral pattern.

Risk contribution Info

  • SPDR S&P Kensho Final Frontiers
    Weight: 13.98%
    27.9%
  • SPDR® S&P 400 Mid Cap Growth ETF
    Weight: 9.68%
    11.0%
  • Apple Inc.
    Weight: 11.83%
    9.1%
  • Schwab U.S. Large-Cap Growth ETF
    Weight: 7.53%
    7.3%
  • Schwab International Equity ETF
    Weight: 6.45%
    7.1%
  • Top 5 risk contribution 62.4%

Risk contribution highlights that the SPDR S&P Kensho Final Frontiers ETF punches far above its weight: at about 14% allocation, it drives nearly 28% of total portfolio volatility. Risk contribution measures how much each holding adds to the portfolio’s overall ups and downs, which can be very different from simple weight. The top three positions together contribute about 48% of risk, so portfolio outcomes are heavily influenced by a handful of holdings, even though there are many smaller ones. Interestingly, Apple’s risk contribution is lower than its weight, suggesting it has been relatively less volatile or better diversified against the rest recently. Again, this pattern is drawn from a nine‑month slice, so it might not hold in different market environments.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    Invesco NASDAQ 100 ETF
    SPDR® Portfolio S&P 500 Growth ETF
    SPDR S&P 500 ETF Trust
    High correlation

The correlation data shows that a few large‑cap growth ETFs—tracking the NASDAQ 100, S&P 500 growth, and the broad S&P 500—move almost identically. Correlation just means how similarly assets move; a correlation near 1 means they tend to go up and down together. High correlation isn’t “bad,” but it limits diversification: holding multiple strongly overlapping funds can feel different on paper while behaving similarly in practice during sharp market moves. In this portfolio, those closely linked ETFs form a cluster that likely acts as one growth‑heavy block. Over longer periods, correlations can shift as sectors and regions change leadership, so correlation patterns over nine months are a useful hint but not a permanent fingerprint.

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.

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On the risk‑return chart, the current portfolio sits below the efficient frontier. The efficient frontier is the curve showing the best possible return for each risk level using only the existing holdings in different combinations. The current Sharpe ratio of 1.2—Sharpe being a standard measure of return per unit of risk—lags the “optimal” mix’s Sharpe of 3.38, which achieves higher expected return with lower volatility using the same building blocks. That gap suggests the current weights are not fully efficient from a risk‑adjusted perspective. Since this analysis relies heavily on the short, strong return history, it likely overstates how easy it would be to improve things just by reweighting; different future conditions could lead to different “optimal” mixes.

Dividends Info

  • Apple Inc. 0.30%
  • EUROPACIFIC GROWTH FUND CLASS F-1 16.10%
  • THE BROWN CAPITAL MANAGEMENT SMALL COMPANY FUND INVESTOR SHARES 97.10%
  • AMERICAN BEACON BRIDGEWAY LARGE CAP VALUE FUND INVESTOR CLASS 10.00%
  • SPDR® S&P 400 Mid Cap Growth ETF 0.60%
  • SPDR® S&P 400 Mid Cap Value ETF 1.60%
  • Global X U.S. Infrastructure Development ETF 0.70%
  • PRUDENTIAL HIGH YIELD FUND CLASS Z 7.00%
  • U.S. TREASURY LONG-TERM FUND U.S. TREASURY LONG-TERM FUND 4.10%
  • Invesco NASDAQ 100 ETF 0.40%
  • SPDR S&P Kensho Final Frontiers 0.30%
  • Schwab Emerging Markets Equity ETF 2.60%
  • Schwab International Equity ETF 3.00%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Schwab Short-Term U.S. Treasury ETF 3.90%
  • Schwab U.S. Large-Cap Value ETF 1.80%
  • SPDR® S&P 600 Small Cap Growth ETF 0.60%
  • SPDR S&P 500 ETF Trust 1.00%
  • SPDR® Portfolio S&P 500 Growth ETF 0.50%
  • TORTOISE MLP & PIPELINE FUND INVESTOR CLASS SHARES 4.00%
  • Weighted yield (per year) 3.14%

The portfolio’s overall dividend yield is around 3.14%, combining modest payouts from many equity funds with higher income from some bond and specialty funds. Dividend yield is the annual income paid out, as a percentage of the investment value—like rent from owning a property. A number of reported yields look extremely high for some funds, which often signals one‑off distributions or data quirks rather than a stable income stream at that level. In practice, most of the long‑term return here is likely to come from price changes rather than dividends alone, especially given the growth tilt. With only a short history, it’s hard to see how consistent the income side would be across full market and interest‑rate cycles.

Ongoing product costs Info

  • EUROPACIFIC GROWTH FUND CLASS F-1 0.86%
  • THE BROWN CAPITAL MANAGEMENT SMALL COMPANY FUND INVESTOR SHARES 1.32%
  • AMERICAN BEACON BRIDGEWAY LARGE CAP VALUE FUND INVESTOR CLASS 1.04%
  • SPDR® S&P 400 Mid Cap Growth ETF 0.15%
  • SPDR® S&P 400 Mid Cap Value ETF 0.15%
  • ALL ASSET FUND INSTITUTIONAL 1.74%
  • Global X U.S. Infrastructure Development ETF 0.47%
  • PRUDENTIAL HIGH YIELD FUND CLASS Z 0.51%
  • U.S. TREASURY LONG-TERM FUND U.S. TREASURY LONG-TERM FUND 0.29%
  • Invesco NASDAQ 100 ETF 0.15%
  • SPDR S&P Kensho Final Frontiers 0.45%
  • Schwab Emerging Markets Equity ETF 0.11%
  • Schwab International Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Schwab Short-Term U.S. Treasury ETF 0.03%
  • Schwab U.S. Large-Cap Value ETF 0.04%
  • SPDR® S&P 600 Small Cap Growth ETF 0.15%
  • SPDR S&P 500 ETF Trust 0.10%
  • SPDR® Portfolio S&P 500 Growth ETF 0.04%
  • TORTOISE MLP & PIPELINE FUND INVESTOR CLASS SHARES 1.16%
  • SCOUT SMALL CAP FUND SCOUT SMALL CAP FUND 0.89%
  • IVY MID CAP GROWTH FUND CLASS A 1.04%
  • Weighted costs total (per year) 0.36%

The blended Total Expense Ratio (TER) of roughly 0.36% is quite reasonable given the mix of low‑cost index ETFs and higher‑fee active funds. TER is the annual fee charged by funds as a percentage of assets—like a small haircut taken each year before returns reach the investor. The presence of very low‑cost Schwab and SPDR ETFs pulls the average down, while a few active strategies, especially the All Asset and some specialty funds, sit above 1%. This combination means the portfolio benefits from cheap market exposure while still paying up for certain niches. Over many years, fees compound, so keeping the overall TER under half a percent is generally supportive of long‑term net returns.

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