This portfolio has only about 1.3 years 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 portfolio leaning hard on recent winners with surprisingly fragile diversification under the hood

Report created on Jul 8, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio looks “diversified” in the same way a burrito has all food groups: technically true but kind of misleading. It’s 45% in a total US market fund, 25% in total international, then three 10% satellite funds all chasing specific US equity angles. On paper, that sounds like a tidy core‑satellite build. In reality, the satellites lean right back into the same growthy US equity crowd the core already owns. With only 1.3 years of history, any sense of “this clearly works” is mostly vibes, not data. Structurally, it’s a reasonably coherent growth‑tilted equity stack, just nowhere near as diversified as the fund tickers pretend.

Growth Info

The recent performance is basically a highlight reel cut from a very short season. A $1,000 stake ballooning to $1,420 in ~1.3 years and a 31.35% CAGR looks heroic next to both US and global markets. Max drawdown of about -14% is spicy but not insane for 100% equities. The catch: this entire narrative is built on a tiny sample, dominated by an environment that heavily rewarded quality and momentum. CAGR over 1.3 years is like bragging about your “lifetime” gym consistency after two good months. Nice start, but nothing here proves this pattern survives a full market cycle.

Projection Info

The Monte Carlo projection is doing its best tarot card impression with not nearly enough history to back it up. Simulations spit out a median outcome of about $2,940 from $1,000 over 15 years, with a wide “could-be-anything” range from roughly $1,036 to $7,784. Monte Carlo basically re-rolls historical-style returns thousands of times to see what paths are plausible, but when history is only 1.3 years long, it’s like training a weather model on last month’s forecast. The numbers are useful as “this could be bumpy” rather than “this is likely,” and the portfolio’s growthy tilt just adds extra drama to those future paths.

Asset classes Info

  • Stocks
    100%

This thing is 100% stocks, no pretense of balance, no safety net, just full-send equity mode. From an asset class point of view, it’s essentially saying, “Bonds? Cash? Never heard of them.” That’s fine if the goal is maximum long-term growth, but it means every market squall hits the full portfolio head-on. Asset classes are the big levers that change how a portfolio behaves in a crisis; this one has only the “risk on” lever installed. The short performance history is especially deceptive here: 1.3 good years of all-equity returns tell you very little about how it feels when the real bear shows up.

Sectors Info

  • Technology
    31%
  • Financials
    15%
  • Industrials
    12%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Telecommunications
    8%
  • Energy
    5%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector-wise, the portfolio is pretty obviously tech-flavored, with technology alone at 31% and then a bunch of growth-adjacent friends like consumer discretionary and communication-type exposure buried in the details. It’s a “broad market” portfolio that still behaves like it checks the Nasdaq every five minutes. Yes, there are allocations to more cyclical and defensive corners, but they’re supporting actors, not leads. Sector diversification matters because different parts of the economy blow up at different times. Here, a big chunk of fate is tied to whether the current tech and growth darlings keep their crown or pull a classic boom-and-bust routine.

Regions Info

  • North America
    76%
  • Europe Developed
    9%
  • Asia Developed
    4%
  • Japan
    4%
  • Asia Emerging
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, this portfolio has a big USA flag planted in the middle of it: 76% in North America with the rest sprinkled across the planet like seasoning. Europe, Japan, emerging markets — they’re all in “thanks for showing up” territory. This is textbook home bias: owning mostly what’s nearby and familiar, while the rest of the world quietly represents a huge slice of global market value. It isn’t catastrophic, but it does mean a lot of economic and currency risk is tied to one region. With only a short history, that US tilt looks genius, but that’s because the last 1.3 years have been kind to that bias.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    27%
  • Mid-cap
    20%
  • Small-cap
    11%
  • Micro-cap
    6%

The market cap mix looks broad at first glance — mega, large, mid, small, even micro all show up. Underneath that, though, mega and large caps dominate, and the small and micro exposure is more like a spice than a main dish. That’s not shocking for a total-market-heavy portfolio, but it clashes a bit with the explicit small-cap value sleeve pretending to be a serious diversifier. Market cap balance affects how sensitive a portfolio is to different parts of the cycle. With this setup, the giants still call the shots, and the little guys are mostly there to make factor charts look interesting rather than move the needle.

True holdings Info

  • NVIDIA Corporation
    3.43%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares MSCI USA Quality GARP ETF
  • Apple Inc.
    3.29%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares MSCI USA Quality GARP ETF
  • Microsoft Corporation
    2.50%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares MSCI USA Quality GARP ETF
  • Broadcom Inc
    1.70%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares MSCI USA Quality GARP ETF
  • Amazon.com Inc
    1.62%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    1.37%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Micron Technology Inc
    1.22%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares MSCI USA Quality GARP ETF
  • Meta Platforms Inc.
    1.22%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares MSCI USA Quality GARP ETF
  • Alphabet Inc Class C
    1.08%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.99%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Top 10 total 18.42%

The look-through holdings reveal the usual modern equity plot twist: you don’t own five funds, you own the same ten megacap names on repeat. NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta — they’re all doing laps across your ETFs, adding up to chunky combined exposures despite no single direct position. And that’s just within the scant 28% top-10 coverage; the real overlap is almost certainly higher. This is the classic “closet concentration” problem: the portfolio looks diversified by fund count, but a lot of performance rides on a tiny club of mega winners. If that group ever stops winning, this whole structure feels a lot less clever.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 30%
Size
Exposure to smaller companies
Very low
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 20%
Quality
Preference for financially healthy companies
Very high
Data availability: 10%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 80%

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 loudly flying the momentum and quality flags. Momentum at 75% and quality at 85% says the portfolio is basically piling into strong recent performers that also look fundamentally solid, like buying the honor roll kids after a record semester. Size at 17% means it’s actively tilting away from smaller companies, despite the token small-cap value sleeve. Factor exposure is like the ingredient label behind the “diversified” front — here it screams “clean, pricey winners with a strong recent run.” That combo can shine in calm or rising markets, but when leadership flips, being this locked into big, popular names can backfire impressively.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 45.00%
    44.1%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 25.00%
    22.5%
  • iShares MSCI USA Quality GARP ETF
    Weight: 10.00%
    12.7%
  • MarketDesk Focused U.S. Momentum ETF
    Weight: 10.00%
    10.6%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 10.00%
    10.0%

Risk contribution shows who’s actually steering the rollercoaster, and shocker: the 45% US total market fund basically runs the show, driving 44% of overall risk. Add the 25% international fund and the 10% quality ETF, and the top three positions supply nearly 80% of total volatility. The satellites aren’t chaos grenades; they’re more like flavor additives. Risk contribution is useful because weight alone lies — something small but wild can dominate the ride. Here, the opposite: the big core funds earn their influence, and the supposed “smart” tilts are mostly background noise rather than true risk drivers.

Redundant positions Info

  • iShares MSCI USA Quality GARP ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The strong correlation between the US total market ETF and the US quality fund is the least surprising plot twist in this story. One owns the broad US market, the other owns a filtered version of that same universe, so of course they move almost in lockstep. Correlation just measures how often things move together; in a crash, highly correlated holdings all go down as one sad choir. So the extra “quality” sleeve doesn’t introduce a whole new driver, it mostly layers more of the same US large-cap flavor on top. Different ticker, similar ride — especially during those big macro swings.

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.

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The efficient frontier chart politely points out that this portfolio leaves free performance on the table even using the exact same ingredients. At its current risk level, it sits about 2.23 percentage points below the frontier, with a Sharpe ratio of 1.4 versus 1.75 for the optimal mix. In plain English: for the volatility taken, the payoff hasn’t been as efficient as it could be if the weights were rearranged. With only 1.3 years of data, these optimization numbers are hardly gospel, but they still whisper the same message: the holdings make sense, the proportions are just a little clumsy.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.60%
  • MarketDesk Focused U.S. Momentum ETF 0.20%
  • iShares MSCI USA Quality GARP ETF 0.30%
  • Weighted yield (per year) 1.32%

The portfolio yield at 1.32% is basically a light snack, not a meal. Most of the heavy lifting comes from price movement, not cash getting dropped into the account. That lines up with the overall growth, momentum, and quality tilt — these aren’t companies trying to woo investors with fat dividends; they’re reinvesting or being priced for future growth. Dividends themselves aren’t magic, just one way of getting paid. Here, income is clearly a side quest, not the main storyline. Over just 1.3 years, yield barely matters to the result anyway; it’s all about capital gains, for better and for worse.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.05%

Costs are almost suspiciously low, with a total expense ratio around 0.05%. That’s “did you typo this?” cheap, especially given there’s a factor-heavy satellite lineup in the mix. It’s like somehow ordering the fancy-topped pizza and getting charged basic cheese prices. Low costs don’t save a badly constructed portfolio, but they do mean more of whatever returns show up actually stick. Over decades, fees quietly eat into compounding; here, at least that monster is mostly declawed. With only 1.3 years of live data, one of the only things that’s clearly durable so far is the fee advantage — and that part deserves a slow clap.

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