Roast mode 🔥

Momentum junkie value nerd portfolio trying to hedge its own personality with a gold security blanket

Report created on Apr 10, 2026

Risk 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

This portfolio looks like it was built by a committee that never learned the word “enough.” Two giant US large-cap funds at 20% each, plus momentum funds, plus value tilts, plus a sprinkle of international and emerging markets, and then gold sitting in the corner like an emotional support asset. Functionally, you’ve got a US core duplicated, then layered with small-cap value and momentum like you couldn’t pick a lane. Diversified? Yes. Elegant? Not even close. The takeaway: it works, but it’s more complicated than it needs to be, and most of the “clever” pieces are just orbiting the same big US growth engines.

Growth Info

Performance-wise, this thing has actually walked the walk, which is mildly annoying because it ruins half the jokes. A $1,000 stake turning into about $2,529 with a 15.36% CAGR is strong, edging out the US market and absolutely smacking the global market. Max drawdown of around -33% in 2020 is brutal but very normal for an equity-heavy setup. CAGR (compound annual growth rate) is basically your average speed on a long road trip; you drove a bit faster than the usual US ride. Just remember: past data is yesterday’s weather — useful, but the market doesn’t owe you a rerun.

Projection Info

The Monte Carlo simulation is basically a thousand alternate timelines for this portfolio: some great, some terrible, most just okay. Median outcome turns $1,000 into about $2,690 over 15 years, with a wide “maybe” zone from roughly $1,828 to $3,909 and some wildcard extremes. That 7.79% annualized expectation is more boring than the backtest fireworks, which is exactly how it should be — simulations are deliberately pessimistic compared to cherry-picked history. Think of it as, “If things are average to mildly annoying, this is roughly where you land.” The main lesson: this is still an equity-heavy bet, and the ride can absolutely suck for years at a time.

Asset classes Info

  • Stocks
    90%
  • Other
    10%

Asset classes are simple here: 90% stocks, 10% “other” (aka gold). This is less “balanced” and more “equities with a side quest.” For a supposedly balanced risk score, it’s really just a stock portfolio with a gold stress ball. No bonds, no real income cushion, no smoothing mechanism beyond “hope equities don’t crater too hard while gold tries its best.” If you want steady, this isn’t it. If you want growth with an emotional hedge, that’s closer. Takeaway: don’t let the risk label fool you — this is a growth engine with a decorative safety ornament, not a classic balanced mix.

Sectors Info

  • Technology
    18%
  • Financials
    16%
  • Industrials
    13%
  • Consumer Discretionary
    8%
  • Energy
    8%
  • Health Care
    6%
  • Telecommunications
    6%
  • Basic Materials
    6%
  • Consumer Staples
    5%
  • Utilities
    3%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, this portfolio is basically saying, “Tech and finance run the world, and the rest can fight for crumbs.” Technology and financials together are a chunky slice, with industrials trailing behind and everything else getting pocket change. It’s not obscene, but tech at 18% plus the embedded momentum tilt means you’re pretty tied to the “things must keep innovating and not blow up” story. At least there’s not a comical single-sector addiction, but the exposure still leans toward the parts of the market that tend to party hard in booms and sulk loudly in busts. Don’t expect a gentle ride if those sectors catch a cold.

Regions Info

  • North America
    63%
  • Europe Developed
    11%
  • Japan
    7%
  • Asia Emerging
    3%
  • Asia Developed
    3%
  • Africa/Middle East
    2%
  • Australasia
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, this is very much “USA with some foreign exchange students.” About 63% in North America dominates, with Europe, Japan, and the rest of the world getting a polite nod rather than a real voice. For a US-based investor, biasing home is normal, but this is still leaning pretty hard into “America knows best.” If the US keeps outperforming, you look like a genius; if it doesn’t, you’ll remember that over half the world’s market value lives elsewhere. The positive angle: at least there is genuine global exposure — this isn’t a total passport hermit, just one that prefers to sleep at home.

Market capitalization Info

  • Mega-cap
    28%
  • Large-cap
    27%
  • Mid-cap
    19%
  • Small-cap
    11%
  • Micro-cap
    5%

This breakdown covers the equity portion of your portfolio only.

Market cap exposure is actually one of the more grown-up parts of this build. Roughly split across mega, large, and mid caps, with a noticeable but not reckless tilt toward small and micro names. So you’ve got the boring global giants mixed with scrappier smaller companies that can pop or flop dramatically. The small-cap value funds are doing the work here, injecting some risk and potential payoff into what would otherwise be a sleepy large-cap default. Takeaway: the size mix says “I want more than the index, but I’m not trying to cosplay as a venture capitalist.”

True holdings Info

  • NVIDIA Corporation
    2.37%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap ETF
  • Apple Inc
    2.10%
    Part of fund(s):
    • Schwab Fundamental U.S. Large Company Index ETF
    • Schwab U.S. Large-Cap ETF
  • Alphabet Inc Class A
    1.46%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab Fundamental U.S. Large Company Index ETF
    • Schwab U.S. Large-Cap ETF
  • Microsoft Corporation
    1.34%
    Part of fund(s):
    • Schwab Fundamental U.S. Large Company Index ETF
    • Schwab U.S. Large-Cap ETF
  • Broadcom Inc
    1.19%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap ETF
  • Alphabet Inc Class C
    1.17%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab Fundamental U.S. Large Company Index ETF
    • Schwab U.S. Large-Cap ETF
  • Exxon Mobil Corp
    1.02%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab Fundamental U.S. Large Company Index ETF
  • Amazon.com Inc
    1.01%
    Part of fund(s):
    • Schwab Fundamental U.S. Large Company Index ETF
    • Schwab U.S. Large-Cap ETF
  • Berkshire Hathaway Inc
    0.61%
    Part of fund(s):
    • Schwab Fundamental U.S. Large Company Index ETF
    • Schwab U.S. Large-Cap ETF
  • Micron Technology Inc
    0.54%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
  • Top 10 total 12.81%

This breakdown covers the equity portion of your portfolio only.

Under the hood, the usual megacap suspects are doing their “we own the world” routine. NVIDIA, Apple, Alphabet, Microsoft, Amazon, Broadcom — the standard tech-and-friends oligarchy shows up across multiple ETFs. You’ve essentially got the same few giants photobombing several funds at once, so your “diversified” structure still bows to the same small group of companies. And keep in mind the overlap is understated because we only see ETF top 10 holdings. Takeaway: the portfolio looks complex, but a decent chunk of the risk and return is driven by the same celebrity stocks you could have guessed in your sleep.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 90%
Size
Exposure to smaller companies
Neutral
Data availability: 90%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 90%
Quality
Preference for financially healthy companies
Neutral
Data availability: 90%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 100%

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.

The factor profile screams “nerdy but cautious.” High value tilt (67%) plus high low-vol (62%) is an interesting combo: buying cheaper stuff and trying not to get whiplash while doing it. Most other factors sit near neutral, so you’re not accidentally maxing out on momentum or yield. Factor exposure is basically the ingredients list behind your returns — value and low-vol here mean you’re betting that cheap-ish and somewhat calmer stocks will eventually be rewarded. The funny part: you also hold explicit momentum funds, while the overall profile still says “more value than sizzle.” It’s like wearing a leather jacket over a spreadsheet.

Risk contribution Info

  • Schwab U.S. Large-Cap ETF
    Weight: 20.00%
    21.9%
  • Schwab Fundamental U.S. Large Company Index ETF
    Weight: 20.00%
    21.1%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 10.00%
    14.0%
  • Invesco S&P 500® Momentum ETF
    Weight: 10.00%
    10.9%
  • Avantis® International Small Cap Value ETF
    Weight: 10.00%
    10.0%
  • Top 5 risk contribution 77.8%

Risk contribution exposes which holdings are actually shaking the portfolio, not just sitting there looking important. Your two big Schwab US large-cap funds, each at 20%, together drive about 43% of total risk. Add Avantis US Small Cap Value and you’re at roughly 57% of risk from three positions. That small-cap value slice is especially punchy: 10% weight, nearly 14% of risk. Risk contribution is basically who’s hogging the volatility spotlight. Takeaway: trimming or reweighting those top three could massively change the ride without even touching the more exotic satellites.

Redundant positions Info

  • Schwab International Equity ETF
    Schwab Fundamental International Large Company Index ETF
    High correlation

The correlation section quietly snitches on you: those two Schwab international funds move almost identically. Highly correlated assets are like having two umbrellas in the same color and size — you feel more prepared, but you’re still just holding duplicates. In normal times, it’s fine; in a crash, they tend to sink together and don’t really help each other out. The point of diversification is to own stuff that *sometimes* disagrees with the rest. Here, you’ve got a bit of ghost diversification: multiple tickers, very similar behavior. Streamlining wouldn’t change your experience much, but it might simplify your mental clutter.

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, your portfolio is that kid who tries hard but still sits below the honor roll. With a Sharpe ratio of 0.69 versus 1.24 for the optimal mix of the *same holdings*, you’re taking more risk than you need for less reward than you could get. The efficient frontier is the best possible tradeoff line using what you already own; you’re about 3.2 percentage points below that line at your risk level. Translation: the ingredients are fine, the recipe is off. A smarter reweighting — no new funds, just shifting the dials — could meaningfully boost returns or cut volatility without changing your overall philosophy.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.80%
  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Schwab Fundamental Emerging Markets Large Company Index ETF 3.80%
  • Schwab Fundamental International Large Company Index ETF 3.00%
  • Schwab Fundamental U.S. Large Company Index ETF 1.60%
  • Invesco S&P International Developed Momentum ETF 3.60%
  • Schwab Emerging Markets Equity ETF 2.70%
  • Schwab International Equity ETF 3.10%
  • Schwab U.S. Large-Cap ETF 1.10%
  • Invesco S&P 500® Momentum ETF 0.80%
  • Weighted yield (per year) 1.70%

A total yield of 1.70% is basically the portfolio saying, “I’m here to grow, not to send you pocket money.” Individual pieces like emerging markets and international value throw off decent income, but the overall mix is dragged down by US large caps and momentum exposures that don’t care about dividends. If someone was hoping for a juicy income stream, this isn’t it — this is more of a “reinvest and chill” approach. Nothing wrong with that, just don’t pretend this is a cash-flow machine. The yield is more of a nice side effect than a serious design feature.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Schwab Fundamental Emerging Markets Large Company Index ETF 0.39%
  • Schwab Fundamental International Large Company Index ETF 0.25%
  • Schwab Fundamental U.S. Large Company Index ETF 0.25%
  • SPDR Gold Mini Shares 0.10%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Schwab Emerging Markets Equity ETF 0.11%
  • Schwab International Equity ETF 0.06%
  • Schwab U.S. Large-Cap ETF 0.03%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Weighted costs total (per year) 0.19%

Costs are one of the few areas where this portfolio looks suspiciously competent. A total TER around 0.19% is very reasonable, especially given the factor and momentum toys sprinkled around. Sure, some of the Avantis and fundamental funds are pricier than plain vanilla index trackers, but at least the overall blended fee didn’t wander into “why are you like this?” territory. Think of it as flying premium economy while occasionally peeking into business class — you’re paying a bit extra for some strategy, but not torching your future returns. Just be aware: complexity plus slightly higher fees had better keep earning their keep.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey