Tech flavored US comfort blanket with a side of accidental momentum cosplay
Report created on Apr 22, 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
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SP State Street® SPDR® Portfolio S&P 500® ETF
SPYM - US78464A8541 30.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 25.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 25.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00%
Structurally this portfolio is three US growth engines bolted together with a token “we swear we’re global” fund on the side. It’s 80% home country plus NASDAQ and momentum sauce, and 20% international sprinkled on top like garnish no one intends to eat. The split looks diversified on a factsheet, but under the hood it’s basically the same large US universe sliced three slightly different ways. That’s like ordering three versions of the same burger and calling it a tasting menu. The result is a portfolio that feels busy and “smart” while actually being pretty one-note in what really drives it.
Growth
Historically the portfolio’s been the kid who didn’t study but still beat the curve: 15.66% CAGR versus 15.08% for the US market and 13.13% globally. You took slightly bigger punches than the US benchmark (-26.52% drawdown vs -24.50%) and spent 15 months crawling out of that hole. Most of the gains came from just 25 days, which screams “do not try timing this.” Past performance is like bragging about last season’s score; it doesn’t guarantee a sequel. The broad takeaway: returns were strong, but you paid with real stomach-churning stretches and long, boring recovery time.
Projection
The Monte Carlo simulation basically says, “Yeah, this could work out… or mildly disappoint… or go weird.” Monte Carlo is just a fancy way of running thousands of alternate futures based on past volatility and returns. Median outcome takes $1,000 to about $2,710 in 15 years, but the 5–95% range stretches from $1,097 to $8,078, which is code for “reality can still clown these numbers.” Even with a 76.4% chance of ending positive, nothing here is guaranteed. The simulation is yesterday’s weather extended for 15 years: directionally useful, but still more vibe than prophecy.
Asset classes
- Stocks 70%
- No data 30%
On paper you’ve got 70% in stocks and a mysterious 30% labeled “No data,” which is basically the reporting system shrugging. Since we’re not guessing what that 30% is, the visible part is aggressively one-dimensional: pure equity risk, no obvious ballast. That’s like loading a car with only engine and no brakes diagram and saying, “Don’t worry, I’m sure there’s something stopping it.” From a risk lens, the story we can actually see is simple: if stocks party, you’re invited; if they puke, you’re there holding their hair.
Sectors
- Technology 28%
- Industrials 7%
- Telecommunications 7%
- Financials 6%
- Consumer Discretionary 5%
- Health Care 5%
- Consumer Staples 4%
- Basic Materials 2%
- Energy 2%
- Utilities 1%
- Real Estate 1%
Sector-wise this portfolio is clearly tech-curious: 28% technology plus another chunk in areas that tend to rhyme with growthy, future-optimistic stories. The rest is scattered lightly across other sectors, but nothing outside tech really dominates. It’s not a full-on tech addiction, more like “tech is the favorite child and everyone else is invited for appearances.” Compared to broad markets, this tilt means more sensitivity to innovation hype cycles, regulation scares, and valuation hangovers. When “future” stocks are in fashion, this structure looks genius; when they’re not, it suddenly looks like a very specific mistake.
Regions
- North America 51%
- Europe Developed 8%
- Japan 3%
- Asia Emerging 3%
- Asia Developed 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically it’s “USA first, everyone else when we remember.” North America at 51% plus heavy US-heavy funds on top means this is still a very domestic comfort-zone portfolio with a thin layer of global conscience. Europe, Japan, emerging Asia, and the rest get crumbs in comparison. It’s like claiming you eat “world cuisine” because you occasionally order sushi with your burgers. The upside: you ride US dominance when it continues. The risk: if leadership rotates elsewhere, this setup is more spectator than participant in big parts of the global growth story.
Market capitalization
- Mega-cap 31%
- Large-cap 29%
- Mid-cap 9%
- Small-cap 1%
The market-cap breakdown is pure establishment: 31% mega-cap and 29% large-cap, with mid and small caps barely making a cameo. This is the corporate equivalent of sticking with household names and pretending younger, scrappier companies don’t exist. That can make returns smoother than an all-small-cap roller coaster, but it also leans heavily on the fate of giants already priced for greatness. When mega-caps carry the market, this looks brilliant; when they wobble or flatline, the portfolio suddenly feels chained to a handful of crowded trades with very little under-the-radar growth kicking in.
True holdings
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NV NVIDIA Corporation 6.86%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco S&P 500® Momentum ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
AA Apple Inc 3.80%
Part of fund(s):- Invesco NASDAQ 100 ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
AV Broadcom Inc 3.67%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco S&P 500® Momentum ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
GO Alphabet Inc Class A 3.06%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco S&P 500® Momentum ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
MS Microsoft Corporation 2.90%
Part of fund(s):- Invesco NASDAQ 100 ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
GO Alphabet Inc Class C 2.56%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco S&P 500® Momentum ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
AM Amazon.com Inc 2.31%
Part of fund(s):- Invesco NASDAQ 100 ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
ME Meta Platforms Inc. 1.59%
Part of fund(s):- Invesco NASDAQ 100 ETF
- State Street® SPDR® Portfolio S&P 500® ETF
-
MU Micron Technology Inc 1.50%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
TS Tesla Inc 1.47%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- State Street® SPDR® Portfolio S&P 500® ETF
- Top 10 total 29.72%
The look-through holdings scream “hidden tech concentration.” NVIDIA, Apple, Broadcom, Alphabet (twice), Microsoft, Amazon, Meta, Micron, and Tesla show up across funds, giving you overlapping bets that stack quietly. NVIDIA alone at nearly 7% total exposure is doing main-character energy. Because we only see ETF top 10s, this overlap is probably understated, not overstated. This isn’t diversification; it’s the same elite tech crew wearing different ETF jerseys. When those names win, everything wins at once. When they catch a cold, your whole portfolio gets the flu, regardless of how many different tickers you thought you owned.
Factors
Factor-wise this thing is shockingly normal for something that looks so growthy on the surface. Value, momentum, quality, yield, low vol, and size all sit in neutral territory – basically a “market average” ingredient list. Factor exposure is like the secret recipe behind performance; here, the recipe is oddly plain despite the spicy-looking labels (NASDAQ, momentum). No huge tilt towards deep value, ultra-quality, or high yield, and only a mildly lower tilt to smaller companies. Translation: the drama isn’t in factor bets, it’s in what the indices themselves are stuffed with — especially those overlapping mega-cap growth names.
Risk contribution
-
Invesco NASDAQ 100 ETF
Weight: 25.00% 30.7% -
State Street® SPDR® Portfolio S&P 500® ETF
Weight: 30.00% 28.1% -
Invesco S&P 500® Momentum ETF
Weight: 25.00% 25.8% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 15.4%
Risk contribution exposes who’s really driving the chaos, and the NASDAQ 100 ETF is the loudest guest: 25% weight but over 30% of total risk. The plain S&P 500 ETF pulls its weight more evenly, while the international fund quietly contributes less risk than its 20% share. Top three positions together drive a hefty 84.58% of portfolio risk, which means the rest is mostly decorative from a volatility standpoint. It looks like four funds on a pie chart, but in risk terms this is basically a three-holding band with one especially hyperactive lead guitarist.
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 efficient frontier, this portfolio is basically jogging below its potential. Same holdings, but a smarter weighting could have delivered a Sharpe of 0.94 instead of 0.7 — better risk-adjusted return for roughly similar roller-coaster vibes. The frontier is just the curve showing the best tradeoff between risk and return using what you already own. Sitting 1.17 percentage points below that curve at this risk level is like paying for premium gas and then driving in first gear. Nothing catastrophic, just clearly leaving performance on the table for no good structural reason.
Dividends
- Invesco NASDAQ 100 ETF 0.50%
- Invesco S&P 500® Momentum ETF 0.80%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- State Street® SPDR® Portfolio S&P 500® ETF 1.10%
- Weighted yield (per year) 1.22%
A 1.22% total yield is what happens when the portfolio clearly prefers stories over coupons. The international fund brings the most income at 2.8%; the rest are basically saying, “We’ll grow, just don’t ask for cash back.” Dividend yield is just your annual cash payout percentage, and here the message is: this is a capital growth show, not an income stream. Nothing wrong with that, but anyone expecting chunky passive cash flow from this mix will quickly realize the portfolio is more TikTok growth mindset than slow, boring, rent-paying landlord.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.08%
Costs are the one area where this portfolio actually behaves like an adult. A total TER around 0.08% is impressively low, especially for a setup that tries to look fancy with factor and NASDAQ flavor. That’s “clicked the cheap options on purpose” territory, not accidental thrift. Still, low fees don’t rescue structural overlap or risk concentration; they just make the inefficiencies inexpensive. Think of it as booking a budget airline to fly to the wrong city: nice that you saved on the ticket, slightly less nice that the destination is still questionable.
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