Mostly sensible indexer energy with a random Korea side quest and a tech sugar rush
Report created on Apr 4, 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
-
FZ FIDELITY ZERO TOTAL MARKET INDEX FUND
FZROX - US31635T7081 48.05% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 29.70% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 19.39% -
EW iShares MSCI South Korea ETF
EWY - US4642867729 2.86%
This thing is three clean, boring, broad-market funds and then one tiny wildcard that screams “I got curious on YouTube.” Roughly half in a total US fund, one‑third in broad international, then a big extra scoop of NASDAQ 100 on top, and a random 3% tilt to South Korea. It’s like ordering a balanced meal and then dumping energy drinks over it “for flavor.” Structurally, it’s mostly coherent: core global stocks with a growthy tech overlay. The Korea slice is too small to matter much, but just big enough to be annoying. Takeaway: you’re basically running a classic core portfolio with a couple of ego bets grafted on.
Growth
Performance since late 2020 is “fine but not legendary.” Turning $1,000 into $1,915 is solid, but the US market did slightly better with less pain. CAGR of 12.66% vs 13.77% for the US market means you took a small performance hit while also eating a deeper drawdown than you needed: -28% vs -24.5%. That’s like taking the bumpier road and still arriving a bit later. You outpaced the global market, though, so at least you weren’t dragging behind the whole world. Reminder: this is all backward-looking — past returns are more like a weather report than a prophecy.
Projection
The Monte Carlo projection is the financial equivalent of running your portfolio through 1,000 alternate timelines. Median outcome: $1,000 becomes about $2,674 in 15 years — decent, not “retire at 40” material. The plausible range is wide: from basically flat ($969) to “okay that worked” at $7,568. That’s the point: simulations aren’t predictions, they’re stress tests. The average projected return around 8% a year is realistic for a 100% stock mix, but definitely not guaranteed. Think of this as: “If markets stay vaguely normal, this is in the right ballpark. If they don’t, all bets are off.”
Asset classes
- Stocks 100%
Asset classes: you’ve got one. Just stocks. A full 100% in equities is like saying, “I heard volatility builds character.” For a “balanced” risk label and a 4/7 score, this is actually pretty aggressive underneath the hood. No bonds, no cash sleeve, no diversifiers — it’s all growth engine, no shock absorbers. That’s fine if the time horizon is long and the stomach is strong, but anyone pretending this is chill, low‑drama money is kidding themselves. Takeaway: if everything you own can drop at once, you haven’t built a portfolio, you’ve built a mood swing.
Sectors
- Technology 31%
- Financials 13%
- Industrials 10%
- Telecommunications 10%
- Health Care 8%
- Consumer Staples 6%
- Consumer Discretionary 5%
- Consumer Discretionary 5%
- Basic Materials 4%
- Energy 3%
- Utilities 2%
- Real Estate 2%
Sector mix is politely screaming “tech bias.” Tech at 31% is the lead character; financials, industrials, and telecom trail behind like supporting cast. You’re not completely unhinged — there’s some health care, staples, energy, utilities, and real estate sprinkled in — but the tone is very much “growth and gadgets.” This works great when the world loves innovation and low rates; less great when the market suddenly remembers boring companies exist. Takeaway: you’re diversified across sectors on paper, but the personality of the portfolio is clearly “I want the shiny stuff to win.”
Regions
- North America 69%
- Europe Developed 11%
- Asia Developed 7%
- Japan 5%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, this is very “USA first, everyone else can have the scraps.” About 69% in North America makes this a US‑centric portfolio with a token global conscience. Europe Developed and Japan get some respect, and there’s a light dusting of emerging markets and other regions. So this isn’t completely allergic to the rest of the planet, but the message is clear: home bias rules. That’s comforting when the US leads, brutal when it lags. Takeaway: global-ish is not the same as global. You’re still betting heavily that US dominance remains the main storyline.
Market capitalization
- Mega-cap 45%
- Large-cap 32%
- Mid-cap 16%
- Small-cap 4%
- Micro-cap 1%
Market cap tilt is basically “I trust big companies to handle my money.” Almost half is in mega‑caps and another third in large‑caps, so the portfolio is dominated by giants. Mid‑caps exist, small‑caps whisper from the corner, and micro‑caps are rounding error. This setup usually means smoother rides than a crazy small‑cap tilt, but also fewer chances to catch the next breakout early. It’s the financial equivalent of only hanging out with people who already made it. Takeaway: stability over lottery tickets — not dumb, but definitely conservative in how you source growth.
True holdings
-
NV NVIDIA Corporation 1.64%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AA Apple Inc 1.48%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
MS Microsoft Corporation 1.09%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.02%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
AM Amazon.com Inc 0.88%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
00 SK Hynix Inc 0.83%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- iShares MSCI South Korea ETF
-
TS Tesla Inc 0.73%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
-
WM Walmart Inc. Common Stock 0.68%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
00 Samsung Electronics Co Ltd 0.67%
Part of fund(s):- iShares MSCI South Korea ETF
-
GO Alphabet Inc Class A 0.65%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 9.69%
The look‑through shows the usual suspects: NVIDIA, Apple, Microsoft, Amazon, Tesla, Alphabet, plus some Asian chip royalty like TSMC, Samsung, and SK Hynix. You’ve basically built a shrine to semiconductors and US mega‑cap tech without explicitly saying so. And because this only covers ETF top‑10s, the true overlap is almost certainly higher. You didn’t buy those individual stocks, but the indexes quietly did it for you three times over. Takeaway: if the same giant names dominate every layer of your portfolio, you’re not diversified — you’re just diversified in font size.
Factors
Factor profile is hilariously neutral. Value, size, momentum, quality, yield, low volatility — everything is basically hovering around “market average.” No spicy tilts, no clever factor hacks, no hidden style bets. You’ve essentially outsourced your personality to the global market. That’s not an insult; it’s just… kind of plain. The upside is, you’re unlikely to get blindsided by some obscure style blowup. The downside: you’re not really leaning into any deliberate edge either. Takeaway: this is a “don’t make me think” factor setup — which, honestly, is better than fake sophistication done badly.
Risk contribution
-
FIDELITY ZERO TOTAL MARKET INDEX FUND
Weight: 48.05% 48.0% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 29.70% 24.9% -
Invesco NASDAQ 100 ETF
Weight: 19.39% 24.0% -
iShares MSCI South Korea ETF
Weight: 2.86% 3.2%
Risk contribution reveals who’s actually driving the drama. Your US total market fund is 48% of the weight and 48% of the risk — very on‑brand. The NASDAQ 100, though, is 19% of the portfolio but contributes 24% of total risk. That little tech rocket is punching above its weight. The top three holdings together are responsible for almost 97% of the portfolio’s ups and downs. Translation: this looks like four funds, but from a risk perspective, it’s basically three, with NASDAQ 100 acting like the excitable friend who talks the loudest at every party.
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 basically doing its homework. Sharpe ratio of 0.56 isn’t heroic, but the optimizer says you’re on or very near the efficient frontier using your current ingredients. The “optimal” version could squeeze out a bit more return for only slightly more risk, and the minimum variance version gives less risk with not‑terrible returns, but you’re not leaving a giant pile of easy gains on the table. Takeaway: for this particular mix of funds, the weights are surprisingly competent. No clown show here — just small tuning room if you care.
Dividends
- iShares MSCI South Korea ETF 1.70%
- FIDELITY ZERO TOTAL MARKET INDEX FUND 1.10%
- Invesco NASDAQ 100 ETF 0.50%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- Weighted yield (per year) 1.57%
The yield at 1.57% is a polite “here’s something, don’t get excited.” International stocks are doing most of the heavy lifting with a 3% yield, while NASDAQ 100 contributes about as much income as a Silicon Valley startup (i.e., vibes, not cash). This is clearly a growth‑oriented setup, not an income machine. Nothing wrong with that, but anyone expecting dividend checks to meaningfully fund anything is going to be disappointed. Takeaway: this portfolio is betting on capital appreciation; the dividends are more like loose change in the couch than a paycheck.
Ongoing product costs
- iShares MSCI South Korea ETF 0.59%
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.06%
Costs are… annoyingly good. A total expense ratio of 0.06% is basically index‑fund charity. The only real offender is the Korea ETF at 0.59%, which is like paying boutique prices for a tiny decorative cushion on the portfolio sofa. Still, with that small allocation, the damage is trivial. The big chunks — US total market and international — are cheap and doing what they’re supposed to. The NASDAQ 100 fee is reasonable too. Takeaway: fees are not the problem here. You did not shoot yourself in the foot on costs; you at least read the price tags.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
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