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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A tech tilted quality chaser pretending to be a boring total market portfolio

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

Structurally this portfolio looks like a responsible adult: two big total-market funds taking up 70% and four spicy satellites sprinkled around them. Under the hood it’s more like a straight‑A student sneaking out to raves. You’ve stapled on small-cap value, turbo momentum, semiconductors, and quality all at once, which is basically picking four different “smart” ideas and hoping they don’t argue. With only about 1.3 years of history, it’s way too early to declare this Frankenstein mix a genius or a disaster. For now, it’s a classic “core-and-tilts” setup that can behave very differently from the sleepy index look it’s trying to cosplay.

Growth Info

Over the brief 1.3‑year window, this thing has screamed: $1,000 turning into $1,504 and a 37.36% CAGR. That’s a big flex next to the US and global markets at around 26% CAGR. But that’s like bragging about your driving skills after one lucky road trip with green lights and no cops. Max drawdown at -14% is only slightly worse than the benchmarks, so the extra return came with only a little extra slap. With just 14 days driving 90% of returns, this is a “don’t blink” portfolio. Past data this short is basically a highlight reel, not a track record.

Projection Info

The Monte Carlo projection is doing its best tarot-card impression with limited history. It takes the recent ride, shakes it in a statistical blender, and spits out a 15‑year range: median around $2,657 from $1,000, with outcomes stretching from “meh” ($886) to “I’m a genius” ($7,174). That 7.72% average return is just math built from a tiny sample, not destiny. With barely over a year of data, the model is guessing based on a market phase that was very kind to momentum and quality. Future regimes may not be so generous, and simulations can’t see regime changes any better than a horoscope can.

Asset classes Info

  • Stocks
    100%

Asset class “diversification” here is easy: there isn’t any. It’s 100% stocks, all day, every day. That’s fine if the goal is to ride the equity rollercoaster with no seatbelt in the form of bonds, cash, or other stabilizers, but let’s not pretend this is some balanced masterpiece. When everything is in equities, downturns don’t politely knock — they kick the door in. With just 1.3 years of performance, you haven’t seen a full market mood swing yet. In a real multi‑year storm, this all‑equity stance will amplify both the upside party and the hangover the morning after.

Sectors Info

  • Technology
    33%
  • Financials
    15%
  • Industrials
    12%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Telecommunications
    7%
  • Energy
    5%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector-wise, the portfolio has definitely picked a favorite child: technology at 33%. Then financials, industrials, and the rest trail in acceptable but clearly secondary roles. This is what happens when you mix broad-market funds with semiconductors and momentum — you accidentally turn the dial way up on the tech engine. It’s not absurdly unbalanced, but it’s “if tech sneezes, the portfolio catches a cold” territory. Because the look‑through data only covers top 10s, the true tech load is probably even higher. In a world where sectors go in and out of fashion, that tilt means the ride can turn from “clever” to “crashy” pretty fast.

Regions Info

  • North America
    75%
  • Europe Developed
    10%
  • Asia Developed
    5%
  • Japan
    4%
  • Asia Emerging
    4%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, this is a patriotic portfolio: about 75% in North America, with everyone else sharing the scraps. You’ve got a token presence in Europe, Asia, and emerging markets, but it’s clearly “you can sit with us, just not too close” energy. The heavy US bias is standard, but still a blind spot: one region’s policy, currency, or tech bubble can dominate outcomes. The international slice is at least meaningful enough not to be a pure rounding error, which is more than many do. But for all the global market talk, this is still mostly “USA with a side salad,” not genuine worldwide diversification.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    28%
  • Mid-cap
    19%
  • Small-cap
    12%
  • Micro-cap
    6%

The market-cap spread looks almost suspiciously reasonable: 34% mega, 28% large, 19% mid, 12% small, 6% micro. It’s like the portfolio wanted to be a respectable total-market clone but then snuck in small-cap value for extra drama. Those small and micro slices are tiny in weight but mighty in volatility, so they’ll punch above their size during both panics and euphoria. With such a short history, you mostly see the fun side of that — the rip higher, not the full gut-punch drawdowns they like to deliver in ugly markets. This is a “broad market with a mischievous small-cap gremlin hiding in the corner” setup.

True holdings Info

  • NVIDIA Corporation
    3.22%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares MSCI USA Quality GARP ETF
  • Apple Inc.
    3.06%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares MSCI USA Quality GARP ETF
  • Microsoft Corporation
    2.28%
    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
  • Broadcom Inc
    1.51%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares MSCI USA Quality GARP ETF
  • Alphabet Inc Class A
    1.37%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.20%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
    • Xtrackers Semiconductor Select Equity ETF
  • Micron Technology Inc
    1.19%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Xtrackers Semiconductor Select Equity ETF
    • iShares MSCI USA Quality GARP ETF
  • Alphabet Inc Class C
    1.08%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    1.04%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares MSCI USA Quality GARP ETF
  • Top 10 total 17.56%

The look‑through list is basically a roll call of the usual megacap suspects: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, TSMC, Broadcom, Micron. So yes, this “diversified” ETF party still ends up worshipping the Magnificent/Cool/Whatever‑Seven at the top. Overlap is almost certainly higher than the reported 28% coverage suggests because we’re only seeing ETF top 10s. You’ve essentially stacked broad US, international, quality, momentum, and semis into one meta‑bet on the current market darlings. When those names do well, the portfolio looks genius; when they collectively take a break, the whole thing can sag together, no matter how many different tickers appear on the statement.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 25%
Size
Exposure to smaller companies
Very low
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 15%
Quality
Preference for financially healthy companies
Very high
Data availability: 5%
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 portfolio is loudly in love with momentum (75%) and even more obsessed with quality (85%), while size exposure is very low at 17%. So despite owning a small-cap value fund, the overall personality is “big, popular, high-quality winners” rather than gritty underdog value. Factor exposures are like the ingredient label: this one reads “expensive-ish market leaders that have been working recently.” That combination can crush it when trends persist and economic conditions reward stable, profitable names. But it’s also basically trend-chasing with a halo — catching what’s already worked. With such limited history, it’s unclear whether that’s deliberate design or just accidentally surfing what happened to be hot.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 45.00%
    42.1%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 25.00%
    21.8%
  • MarketDesk Focused U.S. Momentum ETF
    Weight: 10.00%
    10.4%
  • Xtrackers Semiconductor Select Equity ETF
    Weight: 5.00%
    10.0%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 10.00%
    9.6%
  • Top 5 risk contribution 93.9%

Risk contribution reveals who’s actually driving the drama, and it’s mostly the top three positions: total US, total international, and momentum, together delivering about 74% of total volatility. The real standout is the 5% semiconductor ETF pulling a 10% risk contribution — that’s double its weight, like the loud friend who dominates every group chat. When a small slice behaves that aggressively, it can turn bad days into worse days without moving the long-term needle that much. The core funds at least scale risk roughly in line with their size, but the add‑ons are where the emotional whiplash is hiding.

Redundant positions Info

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

The correlation section politely points out that the total US market ETF and the US quality ETF move almost identically. Translation: that “separate” quality sleeve is mostly just the same US equity rollercoaster wearing slightly nerdier glasses. High correlation means that when one zigs, the other also zigs — not exactly the stuff of shock-absorbing diversification. In a real downturn, they’ll likely sink together, just at slightly different speeds. With such a short data window, correlations may shift over time, but for now, this combo looks more like doubling down on a theme than meaningfully spreading risk across different behaviors.

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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On the efficient frontier, the portfolio sits 1.68 percentage points below what could be achieved with the same ingredients but better proportions. That’s basically the chart saying, “Nice holdings, clumsy arrangement.” The current Sharpe ratio of 1.52 is decent, but the max‑Sharpe version hits 2.31, albeit with a frankly insane 43% volatility and triple‑digit return assumption that screams “short backtest syndrome.” Still, even ignoring that cartoonish “optimal,” the message is clear: this mix isn’t getting the best bang for the buck from what it already owns. It’s like cooking with great ingredients but insisting on slightly burnt.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Xtrackers Semiconductor Select Equity ETF 0.30%
  • 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%

Yield at 1.32% is pocket change — this portfolio clearly didn’t come here for the income buffet. The international fund is doing the heavy lifting, while the momentum, quality, and semiconductor pieces contribute almost nothing on the dividend front. This is firmly in the “hope for price growth, don’t expect checks in the mail” camp. Dividends aren’t free magic, but they can smooth the ride a bit during dull markets. With everything leaning toward growth, quality, and hype-prone sectors, the income stream is more like a mild drizzle than a second paycheck — fine if that’s the goal, but there’s no hidden yield story waiting to surprise anyone.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Xtrackers Semiconductor Select Equity ETF 0.15%
  • 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) 0.06%

Costs are almost annoyingly low: a 0.06% total TER is “did you click the right funds on purpose?” territory. The satellites charge more than the plain-vanilla index trackers, but not in an outrageous way. You’re basically running a fairly complex factor and sector tilt experiment for the price of a cheap index fund. The real risk here isn’t fees bleeding you dry — it’s the actual portfolio design and behavior. When costs are this low, there’s no villainous expense ratio to blame if things go sideways; the performance, good or bad, is going to be entirely on the construction and market conditions, not the fee drag.

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