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Growth portfolio with rocket fuel past performance and a suspicious amount of duplicated US flavor

Report created on May 26, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio looks like it was built by someone who really likes “the market,” then kept adding side quests. Two separate S&P 500 trackers, a growth ETF, a chunky energy sector bet, some emerging markets, and then individual shots of Alphabet and NVIDIA on top. It’s basically an index core with a “hold my beer” overlay. The structure isn’t chaotic, but it’s definitely overlapping: broad funds providing wide exposure, then single stocks recreating what’s already inside them. That’s like ordering the combo meal and then adding extra fries and another burger à la carte. The result is less a clean strategy and more a greatest-hits remix of the same underlying theme.

Growth Info

Historically, this thing has been an absolute flamethrower: $1,000 turning into $4,927 since late 2019, with a 27.17% CAGR while the US market plodded along at 16.47% and global at 13.88%. That’s not “a bit better,” that’s “different league.” The max drawdown of -33% was basically market-like, so you took similar pain but got a far bigger prize. Just remember CAGR is like your average speed on a lucky road trip; it doesn’t promise the next one goes as smoothly. This run is heavily driven by a very specific era (low rates, tech boom, AI mania), which is not a guaranteed rerun.

Projection Info

The Monte Carlo projection brings the party back down to earth. Simulations say $1,000 has a “most likely” 15-year outcome of about $2,723, with a big spread from “barely moved” to “multiplied decently.” Monte Carlo is basically running thousands of alternative timelines using past volatility and return assumptions to see how often things go okay, bad, or great. Here it lands at a 7.48% annualized average across scenarios — way less glamorous than the current 27% historical number. Translation: the portfolio’s past victory lap is not what the math expects going forward, especially once you strip out the one-time fireworks.

Asset classes Info

  • Stocks
    88%
  • Other
    12%

Asset class mix is brutally simple: 88% stocks, 12% “other” (mostly gold). This is unapologetically an equity engine with a small shiny hedge on the side. No bonds, no real ballast, just risk assets and a bar of digital bullion for comfort. For a so-called “growth” classification, that fits, but it also means when stocks decide to fall in sync, there’s not much in here that’s designed to politely ignore the chaos. Gold might zig while stocks zag, or it might just sag along with everything else — historically it’s helpful sometimes, not consistently heroic. This is very much a “ride the waves” structure.

Sectors Info

  • Technology
    23%
  • Energy
    18%
  • Telecommunications
    15%
  • Financials
    9%
  • Consumer Discretionary
    7%
  • Industrials
    6%
  • Health Care
    4%
  • Consumer Staples
    2%
  • Basic Materials
    2%
  • Utilities
    1%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, this portfolio has tech leading at 23% and energy close behind at 18%, which is an aggressive duo. Tech plus energy is like mixing espresso with gasoline: exciting, but don’t act surprised when it shakes. Telecom at 15% is heavier than in many broad benchmarks, and health care is oddly underweight at only 4%. Instead of a balanced cross-section, this tilts toward story-heavy, sentiment-driven areas. When the macro gods love growth and oil, this setup crushes. When those areas fall out of favor, the portfolio doesn’t have much in quieter, boring sectors to smooth the landing.

Regions Info

  • North America
    69%
  • Asia Emerging
    6%
  • Europe Developed
    5%
  • Asia Developed
    4%
  • Japan
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Australasia
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, it’s very “USA first, others if we must.” About 69% sits in North America, with the rest scattered in tiny drips across emerging Asia, Europe, and everywhere else. For a US-based investor, that’s pretty standard home bias, but it does mean the portfolio rises and falls mostly with American corporate fortunes and US policy moods. The little allocations to emerging markets and non-US developed markets are more seasoning than substance. This isn’t really a global portfolio; it’s a US portfolio with a handful of international cameos to make the allocation chart look less embarrassing.

Market capitalization Info

  • Mega-cap
    44%
  • Large-cap
    20%
  • Mid-cap
    15%
  • No data
    12%
  • Small-cap
    5%
  • Micro-cap
    4%

This breakdown covers the equity portion of your portfolio only.

Market cap exposure screams “big-company comfort”: 44% in mega-caps, another 20% in large-caps. Mid-caps get a decent 15%, while small and micro barely register at 5% and 4% respectively. So despite having a small-cap value ETF in the mix, the giants still dominate the stage. That’s like inviting small, scrappy bands to a festival and then giving all the prime slots to stadium headliners. The upside is stability-in-numbers from established firms; the downside is missing a lot of the wild, early-stage growth (and risk) from smaller names. It’s a pretty orthodox size profile for a supposedly adventurous setup.

True holdings Info

  • Alphabet Inc Class C
    10.02%
    Part of fund(s):
    • SPDR S&P 500 ETF Trust
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    Direct holding 8.80%
  • NVIDIA Corporation
    7.45%
    Part of fund(s):
    • SPDR S&P 500 ETF Trust
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    Direct holding 4.20%
  • Exxon Mobil Corp
    3.35%
    Part of fund(s):
    • Energy Select Sector SPDR® Fund
  • Apple Inc
    2.74%
    Part of fund(s):
    • SPDR S&P 500 ETF Trust
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Chevron Corp
    2.47%
    Part of fund(s):
    • Energy Select Sector SPDR® Fund
  • Microsoft Corporation
    2.08%
    Part of fund(s):
    • SPDR S&P 500 ETF Trust
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.60%
    Part of fund(s):
    • Vanguard FTSE Emerging Markets Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
  • Alphabet Inc Class A
    1.54%
    Part of fund(s):
    • SPDR S&P 500 ETF Trust
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    1.47%
    Part of fund(s):
    • SPDR S&P 500 ETF Trust
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    1.29%
    Part of fund(s):
    • SPDR S&P 500 ETF Trust
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Top 10 total 34.00%

This breakdown covers the equity portion of your portfolio only.

The look-through holdings reveal the obvious: this portfolio is heavily in love with Alphabet and NVIDIA, both directly and via funds. Alphabet clocks in at about 10% total and NVIDIA around 7.5%, meaning a big chunk of the portfolio answers to two companies. On top of that, you’ve got the usual mega-cap celebrity lineup — Apple, Microsoft, Amazon, Broadcom — showing up repeatedly inside ETFs. This is the classic hidden overlap problem: supposedly “diversified” funds keep circling back to the same stars. So while the holdings list looks long and complex, the actual economic exposure is surprisingly clustered in a familiar handful of names.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 89%
Size
Exposure to smaller companies
Neutral
Data availability: 89%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 89%
Quality
Preference for financially healthy companies
Neutral
Data availability: 89%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

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 profile is almost boringly sane: everything sits in the “neutral” zone for value, size, momentum, quality, yield, and low volatility. Factor exposure is basically the ingredient label explaining why a portfolio behaves the way it does; here, the label reads “mostly like the market, just a bit spicier via specific tilts elsewhere.” This portfolio isn’t making a deliberate bet on cheap stocks, high yield, ultra-stable names, or turbocharged momentum. It’s more: “We bought broad stuff and some hot names, and the factor mix just ended up pretty average.” Surprisingly balanced considering how punchy the headline positions look.

Risk contribution Info

  • Energy Select Sector SPDR® Fund
    Weight: 14.90%
    18.3%
  • Vanguard S&P 500 ETF
    Weight: 18.00%
    17.7%
  • Vanguard Growth Index Fund ETF Shares
    Weight: 12.70%
    14.2%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 12.30%
    10.8%
  • Alphabet Inc Class C
    Weight: 8.80%
    10.4%
  • Top 5 risk contribution 71.3%

Risk contribution shows who’s actually driving the drama, and the top three holdings do half the work: Energy Select, Vanguard S&P 500, and Vanguard Growth together account for just over 50% of total portfolio risk. The energy fund in particular is punching a bit above its weight, with 14.9% of the assets delivering 18.3% of the risk. Alphabet is also pulling more than its share at a risk/weight ratio of 1.18. This means a few components are steering the volatility bus while the rest quietly sit in the back. Position sizing looks diversified on paper, but the risk reality is noticeably more concentrated.

Redundant positions Info

  • SPDR S&P 500 ETF Trust
    Vanguard S&P 500 ETF
    Vanguard Growth Index Fund ETF Shares
    High correlation

The correlation section might as well be titled “Yes, you bought the same thing twice.” The SPDR S&P 500 ETF, Vanguard S&P 500 ETF, and Vanguard Growth ETF move almost identically — which is not shocking, since they’re largely holding the same big US names. Highly correlated assets tend to go up and down together, so layering them doesn’t create real diversification, it just multiplies exposure to the same underlying engine. This is like owning three different streaming services and only watching the same one show on all of them. More line items, not more independence.

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 is where the portfolio gets properly roasted. At its current risk level, it sits a chunky 11.78 percentage points below what could be achieved using the same ingredients in better proportions. Sharpe ratio of 0.87 vs. 1.62 for the optimal mix is basically a report card saying, “Good taste in holdings, questionable sense of proportion.” The minimum-variance version even delivers a better Sharpe than the current setup with less risk. In plain English: the chosen weights are leaving a lot of return on the table relative to the volatility being tolerated. Same groceries, unnecessarily clumsy recipe.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Alphabet Inc Class C 0.20%
  • SPDR S&P 500 ETF Trust 1.00%
  • Vanguard S&P 500 ETF 1.00%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.50%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Energy Select Sector SPDR® Fund 2.50%
  • Weighted yield (per year) 1.27%

Yield is a grand total of 1.27%, which is basically the portfolio saying, “Don’t expect much in the way of pocket money.” Most of the income backbone comes from international and emerging markets plus the energy fund; the flashy US growth names and Alphabet position are there for price appreciation, not regular checks. Low yield isn’t inherently bad, but it means this setup is fully committed to growth over income. Anyone staring at the dividend column hoping for comfort is going to find it more symbolic than financial. This is a capital gains story, with side-character dividends making brief cameos.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares Gold Trust 0.25%
  • SPDR S&P 500 ETF Trust 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Energy Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.09%

Costs are the one area where this portfolio quietly behaves like an adult. A total TER around 0.09% is extremely low, especially given all the moving parts. You’ve got a couple of slightly pricier specialty funds at 0.25%, but they’re diluted by big, ultra-cheap index positions. It’s like flying mostly economy with a small upgrade coupon on one leg. There’s still a bit of redundancy in paying two S&P 500 providers to do the same job, but the fee drag is minimal enough that the waste is more conceptual than catastrophic. Fees are not the villain in this story.

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