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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Hyperactive growth portfolio with hidden tech crush and efficiency left casually on the table

Report created on Jul 5, 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 basically “two big sensible building blocks… then a handful of spicy side bets.” Half the money sits in a boringly solid total US fund, another quarter in total international, and then the remaining 25% is scattered across momentum, small value, and a laser-focused semiconductor fund. It looks diversified at first glance, but under the hood it’s really one big global equity bet with a hobbyist overlay of factor toys. With only about 1.3 years of history, any personality this portfolio seems to show is still mostly first-date impressions, not a long-term character study. So yes, it works as a coherent growth setup, but it definitely enjoys drama.

Growth Info

Historically, this thing has absolutely ripped: $1,000 turned into $1,454 in about 1.3 years, a 33.9% CAGR. That beats both the US and global markets by 7–8 percentage points a year over this tiny window. Max drawdown at around -13.7% is basically in line with the benchmarks, so you’re getting extra return without worse pain so far. The catch: 90% of those gains came from just 13 days. That’s classic “blink and you miss it” behavior. With such a short track record, this looks more like catching a friendly market wind than proof of genius. Past data here is yesterday’s weather, not a climate report.

Projection Info

The Monte Carlo simulation tries to imagine thousands of alternate futures using this short, noisy history as a starting point. Median outcome over 15 years turns $1,000 into about $2,621, with a pretty wide “could-be-anything” range from around $1,007 to $7,718 between the 5th and 95th percentiles. An 8% annualized expected return is nice on paper, but it’s basically extrapolating a wild teenage growth spurt and assuming adulthood will be similar. With only 1.3 years of data feeding the model, those projections are more vibe check than forecast. Treat them as “this could happen,” not “this will probably happen.”

Asset classes Info

  • Stocks
    100%

Asset-class breakdown is aggressively simple: 100% stocks, 0% anything else. This is the financial equivalent of skipping helmet, seatbelt, and airbags because the last 15 minutes of driving went fine. No bonds, no cash buffer, no alternatives; just pure equity risk front and center. That’s why the growth is impressive and the drawdowns are very real. Over short stretches like the 1.3-year window used here, that can look heroic, but over decades, pure-equity portfolios can have long, painful dead zones. The structure basically says, “if markets hurt, everything here hurts together,” which is bold, just not subtle.

Sectors Info

  • Technology
    32%
  • Financials
    14%
  • Industrials
    13%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Telecommunications
    7%
  • Energy
    5%
  • Basic Materials
    4%
  • Consumer Staples
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector-wise, tech is clearly the teacher’s pet at 32%, with semiconductors getting an extra 5% dedicated fund on top. Then there’s a decent sprinkling across financials, industrials, and consumer names, but this portfolio’s emotional core is definitely silicon-flavored. That tech tilt helps explain the big recent outperformance, especially over the last year where certain names could do no wrong. The problem is the history is too short to see what happens when that love affair cools. Sector bets like this are great when winds blow in your direction; they’re a lot less adorable when the market remembers other sectors exist.

Regions Info

  • North America
    71%
  • Europe Developed
    12%
  • Japan
    5%
  • Asia Developed
    5%
  • Asia Emerging
    3%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, this is “US first, world as a side quest”: 71% in North America and just 29% for the entire rest of the planet combined. You get some Europe, Japan, and other regions, so it’s not totally home-locked, but it’s definitely US-biased. That bias helped during this particular 1.3-year window, where US tech and growth themes did a lot of the heavy lifting. But because the lookback is so short, you’re mostly seeing one phase of the usual leadership rotation. Long term, tying most of the portfolio’s fate to one region is like betting most of your chips on one table; sometimes it’s hot, sometimes it’s not.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    27%
  • Mid-cap
    22%
  • Small-cap
    11%
  • Micro-cap
    4%

Market-cap mix looks fairly broad on paper: 35% mega-cap, 27% large, 22% mid, 11% small, and 4% micro. So you’ve technically got the whole zoo, from corporate elephants to raccoons. But let’s be honest: most of the real gravitational pull comes from the mega-caps hiding in those broad market funds and the momentum sleeve. The smaller stuff is more of a seasoning than a core ingredient. Over 1.3 years, mega growth names can dominate the narrative, so the cap mix looks nicely diversified while the actual return story is still dictated by a few giants throwing their weight around.

True holdings Info

  • NVIDIA Corporation
    4.08%
    Part of fund(s):
    • VanEck Semiconductor ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc.
    3.15%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    2.30%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    1.80%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    1.76%
    Part of fund(s):
    • VanEck Semiconductor ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    1.53%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    1.20%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Micron Technology Inc
    1.14%
    Part of fund(s):
    • VanEck Semiconductor ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.99%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Meta Platforms Inc.
    0.95%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 18.89%

The look-through holdings tell the real story: the usual megacap suspects are everywhere. NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Broadcom, TSMC — it’s the standard “who runs the index” lineup. NVIDIA alone clocks in around 4%, and that’s just in the part of the portfolio we can see from ETF top-10 lists, which only cover about 29% of assets. So actual overlap is likely higher than reported. In other words, this is not six independent ideas; it’s one big indexed bet with multiple roads leading back to the same handful of giants. Hidden concentration is doing more work than the tickers suggest.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 20%
Size
Exposure to smaller companies
Very low
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 10%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 90%

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, the portfolio quietly shouts, “Momentum now, small caps later… maybe.” Momentum exposure is high at 75%, thanks in part to the dedicated momentum ETF and all those market darlings baked into the broad funds. Size exposure is very low at 17%, meaning a clear tilt away from smaller companies overall despite explicitly holding small-cap value funds. That’s like ordering a salad but still getting a burger-sized calorie count from everything else on the plate. Value, yield, and low volatility all sit near neutral, so the big story is “chase what’s working and let the megacaps drive.” That works — until the music changes.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 50.00%
    48.1%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 25.00%
    22.6%
  • MarketDesk Focused U.S. Momentum ETF
    Weight: 10.00%
    10.7%
  • VanEck Semiconductor ETF
    Weight: 5.00%
    9.6%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 5.00%
    4.8%
  • Top 5 risk contribution 95.8%

Risk contribution shows who’s really driving the roller coaster. The total US fund at 50% weight contributes about 48% of the risk, and the international fund at 25% weight adds about 23%. So far, so proportional. But then that tiny 5% semiconductor ETF is contributing almost 10% of total risk, with a risk/weight ratio of 1.92. That’s a chihuahua barking like a Great Dane. The top three positions together deliver over 81% of all portfolio risk, reminding us this is essentially a broad equity portfolio with a turbocharged chip bet strapped to the side for extra drama.

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 chart, this portfolio is very clearly leaving money on the table. At its current risk level, it sits about 5.9 percentage points below what could be achieved just by rearranging the same holdings. The current Sharpe ratio is 1.45, while an optimized mix of these exact ETFs reaches 2.17, and even the minimum variance version beats it at 1.61. Translation: the ingredients are fine, the recipe is sloppy. With only 1.3 years of data, Sharpe ratios are extra noisy, but the gap is big enough to say this setup is more “vibes-based allocation” than “risk/return efficient.”

Dividends Info

  • Avantis® International Small Cap Value ETF 2.80%
  • Avantis® U.S. Small Cap Value ETF 1.30%
  • VanEck Semiconductor ETF 0.20%
  • 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%
  • Weighted yield (per year) 1.44%

The total yield limps in at around 1.44%, which is basically the portfolio whispering, “Don’t expect much cash flow, we’re here for capital gains.” The slightly higher yields from international and small-cap value get drowned out by low-yield momentum and semiconductor exposure. That’s perfectly normal for a growth-leaning equity mix, but it does mean income is an afterthought. Over 1.3 years of observation, dividends barely move the needle relative to price swings. This setup is clearly banking on price appreciation doing the heavy lifting while distributions just show up to remind you stocks technically pay something.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • VanEck Semiconductor ETF 0.35%
  • 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) 0.08%

Costs are almost suspiciously low. A total TER of 0.08% for a portfolio with global exposure, factor tilts, and a niche semiconductor sleeve is impressively frugal. The more expensive pieces are the Avantis and semiconductor funds in the mid-0.3% range, but they’re small enough that the blended fee still looks like you accidentally picked the cheap options on every menu. With only 1.3 years of data, nothing about performance can be confidently blamed on or credited to fees, but at least this portfolio isn’t lighting money on fire just to exist. If something underperforms here, it won’t be because of costs.

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