This portfolio has only about 1.1 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.
Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it

Growth focused momentum and quality portfolio with strong recent gains and concentrated equity exposure

Report created on May 8, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is fully invested in stocks, using a mix of one broad US index fund and several focused factor funds. About a third sits in a low-cost total US market fund, while the rest is split across momentum, quality, and semiconductor strategies. This structure leans toward growth and factor-driven approaches rather than a plain market index. That can amplify both gains and losses because specialized funds often move more sharply than broad ones. With no bonds or cash in the mix, the portfolio’s ups and downs are tied almost entirely to stock markets. The design is consistent with a growth-oriented risk score, but it also means limited cushioning if stocks fall sharply.

Growth Info

Over the roughly 1.1-year window, a hypothetical $1,000 grew to about $1,476, implying a 41.79% compound annual growth rate (CAGR). CAGR is like your average speed on a road trip, smoothing out bumps along the way. This beat both the US and global market benchmarks by around 15 percentage points per year, but over such a short period this could reflect favorable conditions for momentum and quality themes rather than a durable edge. The worst drop was about -14.8%, similar to the benchmarks’ drawdowns. Only 12 days made up 90% of returns, showing gains were concentrated in a few strong bursts, a common feature of factor-heavy stock portfolios.

Projection Info

The Monte Carlo projection uses the short return history to simulate many possible 15-year paths, like running thousands of alternate futures based on past volatility and returns. The median outcome takes $1,000 to about $2,926, with a wide possible range from roughly $1,023 to $7,606. The overall average simulated return is 8.27% per year, and about three-quarters of simulations end positive. Because the input data covers only a bit more than a year—and that period was very strong—these numbers should be seen as rough illustrations, not forecasts. If future markets or factor performance differ from this brief history, actual results could land well outside the simulated bands.

Asset classes Info

  • Stocks
    100%

All of the portfolio is in equities, with 0% in bonds, cash, or alternatives. That makes the asset class picture very simple but also concentrated in one risk type: stock market risk. Stocks historically have offered higher long-term growth potential than bonds, but with bigger short-term swings. With no stabilizing assets, the portfolio’s value will generally move in line with equity cycles, rising more in strong markets but also fully feeling stock market downturns. Relative to more mixed stock/bond blends, this structure pushes the overall risk level higher. The diversification score being only moderate reflects that, even within equities, the positions are focused on specific styles and themes.

Sectors Info

  • Technology
    36%
  • Industrials
    17%
  • Financials
    14%
  • Telecommunications
    6%
  • Health Care
    5%
  • Basic Materials
    5%
  • Energy
    4%
  • Utilities
    3%
  • Consumer Discretionary
    3%
  • Consumer Discretionary
    3%
  • Consumer Staples
    3%
  • Real Estate
    2%

Sector-wise, technology stands out at 36%, well above its weight in many broad global benchmarks. Industrials and financials follow at 17% and 14%, while other sectors are single digits. This tilt likely reflects both the semiconductor fund and momentum/quality strategies that often favor tech and related industries during strong growth phases. A tech-heavy profile can benefit during innovation-driven bull markets but tends to be more sensitive to interest rate changes, regulation, and sentiment around high-growth names. The allocation is still spread across all major sectors, which is a positive sign for diversification, but the leadership role of technology means sector-specific news can noticeably influence the portfolio’s short-term performance.

Regions Info

  • North America
    81%
  • Europe Developed
    12%
  • Japan
    4%
  • Asia Developed
    1%
  • Africa/Middle East
    1%

Geographically, about 81% of exposure is in North America, with Europe Developed at 12%, Japan at 4%, and small allocations to Asia Developed and Africa/Middle East. This creates a clear home bias toward US and Canadian markets, which is common for US-based investors but leaves less representation for other regions that make up a large share of global market value. Compared with a global benchmark, the portfolio likely underweights emerging markets and some non-US developed markets. The strong recent performance could partly reflect the strength of North American equities over this short period. Currency risk is mostly tied to the US dollar, with smaller impacts from foreign currencies through the international momentum ETF.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    30%
  • Mid-cap
    25%
  • Small-cap
    8%
  • Micro-cap
    1%

By market capitalization, the portfolio is tilted toward larger companies, with 35% in mega-caps, 30% in large-caps, and 25% in mid-caps. Small- and micro-caps together make up only around 9%. Larger companies tend to be more established and often less volatile than very small firms, though they can still move sharply, especially in growth sectors like technology. The inclusion of mid-caps adds some diversification and exposure to slightly earlier-stage growth stories. Compared to a pure total-market approach, this mix leans a bit away from the smallest stocks, which can reduce some volatility but may miss occasional strong rallies in micro- and small-cap segments. Overall, size exposure is broadly in line with mainstream equity indices.

True holdings Info

  • Lam Research Corp
    1.05%
    Part of fund(s):
    • iShares MSCI USA Quality GARP ETF
  • NVIDIA Corporation
    1.04%
    Part of fund(s):
    • iShares MSCI USA Quality GARP ETF
  • Microsoft Corporation
    0.98%
    Part of fund(s):
    • iShares MSCI USA Quality GARP ETF
  • Meta Platforms Inc.
    0.97%
    Part of fund(s):
    • iShares MSCI USA Quality GARP ETF
  • Apple Inc
    0.94%
    Part of fund(s):
    • iShares MSCI USA Quality GARP ETF
  • HSBC Holdings PLC
    0.88%
    Part of fund(s):
    • Invesco S&P International Developed Momentum ETF
  • Toronto Dominion Bank
    0.76%
    Part of fund(s):
    • Invesco S&P International Developed Momentum ETF
  • Banco Santander S.A.
    0.75%
    Part of fund(s):
    • Invesco S&P International Developed Momentum ETF
  • KLA Corporation
    0.73%
    Part of fund(s):
    • iShares MSCI USA Quality GARP ETF
  • Alphabet Inc Class A
    0.67%
    Part of fund(s):
    • iShares MSCI USA Quality GARP ETF
  • Top 10 total 8.78%

The look-through data, based only on ETF top-10 holdings, covers about 20% of the portfolio, so hidden overlap is likely understated. Within the visible slice, several well-known large tech and financial names appear, such as NVIDIA, Microsoft, Apple, Alphabet, Meta, and major global banks like HSBC and Santander. The largest single-company exposure seen is Lam Research at just over 1%. No company stands out as overwhelmingly dominant so far, which is a positive sign for concentration risk. However, because nearly 80% of holdings are beyond the visible top-10 lists, actual overlap in popular large-cap stocks may be higher, especially across the quality, momentum, and semiconductor vehicles.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 30%
Size
Exposure to smaller companies
Very low
Data availability: 60%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 60%
Quality
Preference for financially healthy companies
Very high
Data availability: 20%
Yield
Preference for dividend-paying stocks
Low
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 30%

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 shows a very strong tilt toward quality (85%) and a high tilt toward momentum (75%), with very low size exposure (12%) and low value and yield. Factors are like underlying “personality traits” of stocks—momentum captures recent winners, quality focuses on strong balance sheets and profitability. This combination often leads to portfolios that favor established, profitable growth companies that have been performing well recently. Such a profile can shine in trending bull markets but may be more vulnerable during sharp style reversals, when previously lagging value or small-cap names surge. The very low size tilt suggests relatively little exposure to smaller companies, which can reduce volatility but also means less participation when small caps lead.

Risk contribution Info

  • FIDELITY ZERO TOTAL MARKET INDEX FUND
    Weight: 30.00%
    25.6%
  • iShares MSCI USA Quality GARP ETF
    Weight: 20.00%
    22.5%
  • Fidelity Select Semiconductors Portfolio
    Weight: 10.00%
    17.5%
  • Invesco S&P International Developed Momentum ETF
    Weight: 20.00%
    15.8%
  • Invesco S&P MidCap Momentum ETF
    Weight: 10.00%
    9.8%
  • Top 5 risk contribution 91.1%

Risk contribution shows how much each holding drives overall volatility, which can differ from its weight. The total market index fund is 30% of the portfolio but adds about 25.6% of the risk, slightly less than its size suggests. The USA Quality GARP ETF at 20% weight contributes around 22.5% of risk, and the 10% semiconductor fund contributes a notable 17.5% of risk, meaning it punches well above its weight. Together, the three largest positions account for about 65.6% of total portfolio risk. This pattern is typical when a more volatile, concentrated fund—here, the semiconductor fund—sits alongside broad funds, and it explains why sector-specific news in semiconductors can have an outsized impact.

Redundant positions Info

  • iShares MSCI USA Quality GARP ETF
    FIDELITY ZERO TOTAL MARKET INDEX FUND
    High correlation

The correlation data highlights that the Fidelity ZERO Total Market Index Fund and the iShares MSCI USA Quality GARP ETF move almost identically. Correlation measures how assets move together, where 1 means they tend to rise and fall in sync. Highly correlated positions still add diversification through underlying holdings, but they don’t reduce day-to-day volatility much because they react similarly to broad market swings. In this case, both funds are US-focused equity strategies, so the strong link makes sense. Their similarity means that, from a risk perspective, they behave more like one large US equity block rather than two offsetting pieces, which helps explain why overall portfolio risk tracks US stock market patterns closely.

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.

The efficient frontier chart compares the current portfolio’s risk/return mix with the best combinations achievable using the same holdings. The Sharpe ratio—return per unit of risk after accounting for a 4% risk-free rate—is 1.56 for the current mix, while the optimal combination reaches 2.18 with higher risk and return. The minimum-variance version has slightly lower risk and similar Sharpe (1.51). The current portfolio sits about 5.94 percentage points below the frontier at its risk level, meaning there are mathematically more “efficient” weightings of these same funds. Given the very short performance history and unusually strong recent returns, these optimization results should be read as theoretical, not as a roadmap.

Dividends Info

  • Fidelity Select Semiconductors Portfolio 10.80%
  • FIDELITY ZERO TOTAL MARKET INDEX FUND 0.90%
  • Invesco S&P International Developed Momentum ETF 3.50%
  • Invesco S&P MidCap Momentum ETF 0.60%
  • MarketDesk Focused U.S. Momentum ETF 0.20%
  • iShares MSCI USA Quality GARP ETF 0.30%
  • Weighted yield (per year) 2.19%

The portfolio’s total dividend yield is about 2.19%, with a wide range across holdings. The total market fund yields around 0.9%, the international momentum ETF about 3.5%, and some of the factor and momentum funds pay very little income. One outlier is the semiconductor fund, reported at 10.8% yield, which may reflect special distributions or timing effects and may not be a stable long-term rate. Dividends contribute a modest but tangible part of total return here; most of the growth potential still comes from price changes. Income-focused investors often care a lot about yield, but in this growth-tilted setup, dividends are more of a bonus than the main driver.

Ongoing product costs Info

  • Fidelity Select Semiconductors Portfolio 0.60%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.14%

Estimated total ongoing fund costs (TER) are about 0.14% per year, which is impressively low for an actively tilted, factor-heavy equity mix. TER, or Total Expense Ratio, is the annual fee charged by funds, and even small differences compound over time. Here, the broad Fidelity ZERO fund helps pull overall costs down, offsetting higher fees in the semiconductor fund (0.60%) and other specialized ETFs. Compared with many active or thematic strategies, this cost level is very competitive and supports better net returns over the long run, all else equal. Keeping expenses low is one of the few portfolio characteristics that is firmly within an investor’s control.

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