Value junkie portfolio with a tech crush pretending to be cautious after two months of chaos-lite
Report created on Jun 2, 2026Risk profile
3/7
Diversification profile
3/5
Positions
-
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 35.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 25.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 25.00% -
DT Global X Data Center & Digital Infrastructure ETF
DTCR 10.00% -
NA Tema ETF Trust
NASA 5.00%
Structurally this portfolio is a Frankenstein of three different fantasies: Nasdaq growth rocket, small-cap value crusade, and dividend comfort blanket, with a side order of niche infrastructure and mystery Tema. For something labeled “cautious,” it’s 100% in equities and equity-like stuff, which is like calling a sports car “family-safe” because it has four seats. The mix screams, “I want everything at once”: high growth, high value, and high income, all jammed into five funds. It’s not incoherent, but it’s definitely confused. The end result is a portfolio that looks diversified on the surface but is really just five flavors of stock-market risk.
Growth
One or more local-currency benchmark funds are unavailable for this report.
On a two‑month window, the performance looks absolutely absurd: $1,000 jumping to $1,196 with a CAGR reading of 192.68% versus a “global market” at 123.77%. That isn’t a track record; it’s a statistical hallucination. CAGR (compound annual growth rate) here is basically asking, “What if these eight weeks happened every year?” Spoiler: they won’t. Max drawdown of only -1.55% over this toy period tells you nothing about how this portfolio behaves in real stress. Past data is like yesterday’s weather — useful, but using 60 days of it to judge a 15‑year portfolio is straight-up wishful thinking.
Projection
The Monte Carlo projection is trying its best with bad raw material — two months of history. Monte Carlo just reruns thousands of what‑if scenarios using the observed volatility and returns, then spits out a range: median ending value around $2,537 after 15 years, possible from roughly $1,023 to $6,309. That 72% chance of a positive outcome sounds comforting, but it’s built on a dataset that barely survived one billing cycle. In reality, the factor tilts, sector bets, and style fads in this mix will behave very differently over a decade and a half than they did over eight shiny weeks.
Asset classes
- Stocks 85%
- Real Estate 10%
- No data 5%
Asset class breakdown: 85% stocks, 10% real estate, and 5% “no data,” which is basically “mystery meat.” For a portfolio tagged as “cautious,” having roughly nine-tenths in pure equity risk is bold bordering on delusional. This is not a cautious blend; it’s a fully caffeinated stock portfolio with a small property garnish. Asset classes matter because they’re the big risk levers — stocks, bonds, real estate each crash and recover on different schedules. Here, the schedule is simple: when equities hurt, this whole thing hurts, with no visible safety net and no real ballast besides that modest real estate slice.
Sectors
- Technology 32%
- Consumer Discretionary 10%
- Financials 9%
- Consumer Staples 8%
- Energy 8%
- Telecommunications 8%
- Health Care 7%
- Industrials 6%
- Real Estate 5%
- Basic Materials 2%
This breakdown covers the equity portion of your portfolio only.
Sector mix says “tech-led drama” with 32% in technology and then a spread across consumer, financials, energy, telecoms, and the rest. But that tech chunk is doing more emotional heavy lifting than the number suggests, especially with a data center theme and Nasdaq exposure both feeding the same beast. This isn’t obscene concentration, but it’s clearly growth-story dependent. If the tech narrative cools or regulation, rates, or margins bite, multiple positions sulk at the same time. A genuine sector spread should mean different economic stories; here many sectors ultimately depend on the same “digital everything” storyline continuing to win.
Regions
- North America 91%
- Asia Developed 1%
- Asia Emerging 1%
- Australasia 1%
- Europe Developed 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, this is basically “USA or bust,” with 91% in North America and the rest sprinkled like seasoning across the rest of the planet. It’s home bias on full display: the world exists, but only as a rounding error. This matters because different regions peak and crash at different times due to politics, currencies, and economic cycles. When almost everything is tied to one region, local shocks become portfolio shocks. The portfolio’s idea of global investing is letting a tiny sliver wander outside the US border and calling it international diversification with a straight face.
Market capitalization
- Large-cap 34%
- Mega-cap 21%
- Small-cap 14%
- Mid-cap 13%
- Micro-cap 12%
This breakdown covers the equity portion of your portfolio only.
The market cap spread is all over the map: 21% mega-cap, 34% large-cap, with a surprisingly chunky tail in micro (12%) and small caps (14%), plus mid caps in the middle. For something stamped with a cautious risk score of 3/7, the presence of that much small and micro-cap exposure is… optimistic. Smaller companies tend to be jumpier — higher upside sometimes, but also more likely to face hard landings. This mix behaves more like a barbell: giant household names at one end and scrappier, twitchy names at the other, which is not exactly the classic “smooth ride” structure.
True holdings
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NV NVIDIA Corporation 2.90%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AA Apple Inc 2.56%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
MU Micron Technology Inc 2.02%
Part of fund(s):- Global X Data Center & Digital Infrastructure ETF
- Invesco NASDAQ 100 ETF
-
MS Microsoft Corporation 1.77%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AM Amazon.com Inc 1.64%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
QC Qualcomm Incorporated 1.63%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
TX Texas Instruments Incorporated 1.52%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
AM Advanced Micro Devices Inc 1.30%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
UN UnitedHealth Group Incorporated 1.28%
Part of fund(s):- Schwab U.S. Dividend Equity ETF
-
GO Alphabet Inc Class A 1.27%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 17.88%
This breakdown covers the equity portion of your portfolio only.
Look‑through holdings reveal the usual suspects: NVIDIA, Apple, Microsoft, Amazon, Alphabet, and friends quietly lurking inside multiple ETFs. NVIDIA alone pops up at nearly 3%, with plenty of overlap among other mega-cap darlings. That’s hidden concentration: it looks like five funds, but under the hood the same celebrities keep appearing on stage. And remember, this is only based on top‑10 ETF positions — real overlap is almost certainly higher. When the same giants drive several funds, one bad earnings season or regulatory punch can send “diversified” performance moving in one uncomfortable, synchronized direction.
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 where this portfolio shows its personality: value is at 85% (very high) while size is just 17% (very low), with momentum still high at 75%. Factors are the hidden “flavors” — value, size, momentum, etc. — that explain why returns behave the way they do. Here, the mix is basically an aggressive value purist with a weird crush on recent winners. High value tilt plus low size suggests a love for cheaper, often larger names and a deliberate snub of broader small-cap exposure, while still chasing momentum. It’s like bargain-hunting in the clearance aisle while only buying what’s already trending.
Risk contribution
-
Invesco NASDAQ 100 ETF
Weight: 35.00% 37.4% -
Avantis® U.S. Small Cap Value ETF
Weight: 25.00% 22.0% -
Global X Data Center & Digital Infrastructure ETF
Weight: 10.00% 15.6% -
Tema ETF Trust
Weight: 5.00% 14.8% -
Schwab U.S. Dividend Equity ETF
Weight: 25.00% 10.3%
Risk contribution exposes the real troublemakers. Tema at 5% weight is throwing off 14.8% of total risk — almost triple its share, with a risk/weight of 2.96. That’s a tiny seat at the table but shouting the loudest. The Global X data center ETF is similar: 10% weight, 15.57% of the risk, also punching above its class. Meanwhile, the “boring” Schwab dividend fund is 25% of the weight but only 10.3% of the risk — the designated grown‑up in the room. This is not a calm, even spread; a couple of flashy niche holdings are steering the volatility more than their size suggests.
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, this portfolio is leaving obvious money on the table. Its Sharpe ratio of 8.57 sounds heroic, but again, that’s from a two‑month sugar high. Even within this tiny dataset, the current mix sits 17.71 percentage points below the efficient frontier at its risk level. The efficient frontier is just the best possible trade‑off between risk and return using the same ingredients in different weights. Translation: with nothing new added, a smarter weighting of these exact holdings could deliver a cleaner payoff than what’s currently cobbled together. That’s like assembling IKEA furniture and intentionally ignoring half the instructions.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Global X Data Center & Digital Infrastructure ETF 0.70%
- Invesco NASDAQ 100 ETF 0.40%
- Schwab U.S. Dividend Equity ETF 3.30%
- Weighted yield (per year) 1.36%
The total yield clocks in at 1.36%, with the Schwab dividend ETF doing almost all the visible work at 3.3% while the others barely show up. For a portfolio with a dedicated dividend fund at 25% weight, the overall payout is surprisingly underwhelming. This is less “income machine” and more “occasional coffee money.” Yield can help smooth the ride, but here the growth and thematic bits dominate the behavior, not the dividends. Anyone expecting this setup to feel like a steady paycheck is really just holding a standard equity rollercoaster with a small dividend sticker slapped on one car.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Global X Data Center & Digital Infrastructure ETF 0.50%
- Invesco NASDAQ 100 ETF 0.15%
- Schwab U.S. Dividend Equity ETF 0.06%
- Weighted costs total (per year) 0.18%
Costs are probably the least offensive part of this thing. A total TER of 0.18% is actually pretty reasonable, helped by the Schwab dividend ETF at 0.06% and the Nasdaq fund at 0.15%. The Global X thematic piece at 0.50% and Avantis at 0.25% add some spice, but overall, fees are not the villain here. If anything, the portfolio is paying discount‑store prices for a design that still manages to be needlessly noisy. Fees are under control — someone clearly knows how to click the cheap-ish ETFs — it’s just the overall structure that’s doing its best impression of controlled chaos.
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