Balanced global equity core with momentum tilt and modest crypto kicker for higher growth potential
Report created on Apr 5, 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 State Street® SPDR® Portfolio S&P 500® ETF
SPYM - US78464A8541 50.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 26.50% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
FB Fidelity Wise Origin Bitcoin Trust
FBTC - US3159481098 3.50%
This portfolio is built mainly from broad equity ETFs with a small satellite in crypto. About half of the money sits in a plain S&P 500 tracker, a bit more than a quarter in a momentum-focused S&P 500 fund, and roughly a fifth in a total international stock ETF, plus a 3.5% allocation to bitcoin. That mix leans clearly toward growth assets rather than defensive ones. Structurally, this is a simple “core and satellites” setup, which is a common best practice. The broad index pieces give diversified exposure, while the smaller, more targeted slices allow for return enhancement, as long as the higher volatility of those satellites is understood and accepted.
Growth
Over the period shown, $1,000 grew to about $1,510, which is a compound annual growth rate (CAGR) of 20.46%. CAGR is like your average “speed” per year over the full journey. That beats both the US market and global market by around 3–3.5 percentage points a year, which is a meaningful edge. The worst peak‑to‑trough drop was about ‑17.8%, slightly milder than the US market’s drawdown. This suggests the portfolio has captured strong upside without extra downside over this window. Still, the sample is short and unusually tech‑friendly, so it may overstate long‑term expectations; past performance, particularly over just a couple of years, can change quickly.
Projection
The Monte Carlo projection uses many random “what if” paths based on historical behavior to estimate future ranges. Here, 1,000 simulated 15‑year paths for $1,000 produced a median outcome around $2,129, roughly a 5.9% annualized return. The middle half of scenarios landed between $1,525 and $3,006, with more extreme but still plausible paths from about $961 to $4,836. This highlights that long‑term investing is a range of outcomes, not a single point forecast. About 62% of simulations ended positive, which is reassuring but not a guarantee. The key takeaway: the distribution shows both meaningful upside potential and the real possibility of flat or negative results, even over 15 years.
Asset classes
- No data 50%
- Stocks 46%
- Crypto 4%
On the asset class view, about 46% is clearly classified as stocks, 4% as crypto, and half is tagged “No data,” mainly because one large ETF doesn’t have an asset label in this system. We shouldn’t guess what that bucket holds, but we know the explicit stock and crypto portions already give substantial equity and risk asset exposure. The visible mix lines up with a growth‑oriented, balanced‑risk profile rather than a capital‑preservation one. The presence of crypto, even at 3.5%, adds a distinct, high‑volatility component. For someone seeking steady income or low volatility, this sort of asset class profile would likely feel too punchy, but for long‑term growth it can be appropriate.
Sectors
- Technology 15%
- Industrials 7%
- Financials 6%
- Health Care 4%
- Telecommunications 3%
- Consumer Staples 2%
- Consumer Discretionary 2%
- Basic Materials 2%
- Energy 2%
- Utilities 1%
- Real Estate 1%
This breakdown covers the equity portion of your portfolio only.
Sector‑wise, technology is clearly the largest slice at 15%, followed by a spread across industrials, financials, health care, telecom, and various cyclical and defensive areas. This pattern is broadly in line with major global equity benchmarks, which are also tech‑heavy today, and that alignment is actually a strength: it signals that diversification across economic types of businesses is healthy. A tech‑tilted allocation can boost returns in innovation‑driven markets but tends to be more sensitive when interest rates rise or when growth stocks fall out of favor. The presence of non‑tech sectors like industrials, financials, and staples helps smooth the ride somewhat, acting as ballast when growth leadership rotates.
Regions
- North America 28%
- Europe Developed 7%
- Japan 3%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, roughly 28% of exposure is to North America, with meaningful slices in developed Europe, Japan, other developed Asia, emerging Asia, Australasia, and Africa/Middle East. This pattern looks quite similar to global equity indices that spread across multiple regions, which is a positive sign. It means the portfolio isn’t overly tied to a single economy, policy regime, or currency. That kind of geographic diversification can help when one region hits a rough patch or faces local shocks. It also gives access to different growth drivers around the world. The trade‑off is that foreign markets and currencies can lag the US for long stretches, so patience and a long horizon are important.
Market capitalization
- Large-cap 20%
- Mega-cap 19%
- Mid-cap 6%
- Small-cap 1%
This breakdown covers the equity portion of your portfolio only.
Market‑cap exposure leans heavily toward bigger companies: mega‑caps and large‑caps together dominate, with only small allocations to mid‑caps and small‑caps. That’s typical for index‑centric portfolios and lines up well with global benchmark norms, which are also dominated by large firms. Large and mega‑cap companies tend to be more established, with deeper liquidity and more stable earnings, which often means somewhat lower volatility than pure small‑cap portfolios. On the flip side, smaller companies historically have offered higher growth potential at the cost of bumpier performance. Here, the tilt toward size helps keep risk more manageable, but it also means less direct exposure to the small‑company growth engine.
True holdings
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NV NVIDIA Corporation 6.08%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
AA Apple Inc 3.32%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
AV Broadcom Inc 3.13%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
GO Alphabet Inc Class A 2.80%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
MS Microsoft Corporation 2.48%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
GO Alphabet Inc Class C 2.23%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
AM Amazon.com Inc 1.74%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
JN Johnson & Johnson 1.49%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
MU Micron Technology Inc 1.43%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
ME Meta Platforms Inc. 1.20%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
- Top 10 total 25.88%
Looking through the ETFs, a chunk of the risk clusters in a familiar group of mega‑cap growth names: NVIDIA, Apple, Broadcom, Alphabet, Microsoft, Amazon, Meta and a few others. These appear across multiple funds, so even if no single ticker is directly owned, they still form a meaningful combined exposure, with NVIDIA alone over 6%. Overlap like this can quietly concentrate risk in a narrow slice of the market, especially when those names sit in both a broad index and a momentum ETF. Because we only see top‑10 ETF holdings, this concentration is likely understated. It’s worth remembering that when this cluster zigs or zags, the whole portfolio tends to move with it.
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 strikingly balanced. All six factors—value, size, momentum, quality, yield, and low volatility—sit in the neutral band around 50%, which means the portfolio behaves much like the broad market on these dimensions. Factor investing is about tilting toward specific characteristics, like cheap (value) or stable (low volatility) stocks, that research has shown can influence returns. In this case, there are no strong tilts in either direction, which is actually a solid foundation. It suggests that, despite holding a momentum ETF, the overall mix doesn’t meaningfully over‑commit to any particular “style.” That can help performance be more consistent across different market regimes, instead of depending on one style staying in favor.
Risk contribution
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State Street® SPDR® Portfolio S&P 500® ETF
Weight: 50.00% 47.4% -
Invesco S&P 500® Momentum ETF
Weight: 26.50% 32.1% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 15.1% -
Fidelity Wise Origin Bitcoin Trust
Weight: 3.50% 5.4%
Risk contribution shows how much each holding drives the ups and downs, which can differ from its weight. The core S&P 500 ETF is 50% of the portfolio but adds about 47% of the risk—very in line, which is healthy. The momentum ETF is 26.5% of the weight but 32% of the risk, and bitcoin is 3.5% of the weight but more than 5% of the risk. That tells you the “spice” slices pull extra risk per dollar, which is expected but worth noting. Meanwhile, the international ETF contributes less risk than its weight. If the goal is smoother behavior, trimming the high risk/weight pieces and boosting the lower‑risk ones is one common way to rebalance toward more even risk contributions.
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 has a Sharpe ratio of about 1.0. Sharpe compares excess return to volatility, like measuring how much “payoff” you get per unit of bumpiness. The optimal mix of these same holdings sits higher, with a Sharpe around 1.32, while the minimum‑variance version still improves to about 1.15. The current allocation is roughly 2.15 percentage points below the efficient frontier, meaning it’s not squeezing the most risk‑adjusted return from its ingredients. Importantly, the chart suggests that simply reweighting among these existing ETFs—without adding anything new—could either increase expected return for similar risk or reduce risk for similar return, depending on the chosen target.
Dividends
- Invesco S&P 500® Momentum ETF 0.90%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- State Street® SPDR® Portfolio S&P 500® ETF 1.10%
- Weighted yield (per year) 1.39%
The overall dividend yield is about 1.39%, with the international ETF providing the highest yield near 3%, the S&P 500 core roughly 1.1%, and the momentum ETF under 1%. Dividend yield is simply the annual cash payout as a percentage of the investment, like “interest” on stocks. This level is modest and very much in line with a growth‑tilted equity allocation. For an investor focused on long‑term wealth building rather than immediate income, that’s perfectly fine: returns are expected to come more from price growth than cash distributions. Anyone relying on their portfolio for living expenses, though, would likely need either a higher‑yield mix or to plan on regularly selling small portions of assets.
Ongoing product costs
- Fidelity Wise Origin Bitcoin Trust 0.25%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.05%
The cost picture is a real bright spot. The total expense ratio (TER) across the portfolio nets out around 0.05% a year, thanks mainly to very low‑fee core ETFs. TER is the ongoing annual fee as a percentage of assets—like paying $0.50 per year for every $1,000 invested. That’s impressively low and well below the average for actively managed funds or many specialty ETFs. Keeping costs down is one of the easiest levers for improving long‑term results, because fees compound just like returns. Here, the structure already does exactly what most evidence supports: minimize friction so more of the portfolio’s gross return ends up in the investor’s pocket over time.
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