This portfolio has only about 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.

Strong equity momentum tilt with impressive recent gains and room to sharpen diversification and efficiency

Report created on Mar 24, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is almost entirely in stocks, split between broad index funds and a meaningful slice of momentum strategies. The biggest holding is a large US index fund, supported by developed international funds and several momentum-focused ETFs, with no bonds or cash in the mix. That makes the structure simple and easy to understand, but also highly tied to equity market ups and downs. Being stock‑heavy can drive strong growth over long periods, but it also means deeper swings in rough markets. Anyone using a setup like this usually needs either a long time horizon or other low‑risk assets elsewhere to balance things out.

Growth Info

Over the last year, a hypothetical $1,000 grew to $1,227, beating both the US and global market references. The portfolio’s CAGR — the average yearly growth rate — was 21.82%, ahead of the US at 17.50% and global at 19.27%. Max drawdown, or worst peak‑to‑trough fall, was about -13%, very similar to both benchmarks. That combo — higher return with similar downside — is a strong result, especially over a short window. Still, one year of data is a tiny sample and markets can flip quickly, so these gains shouldn’t be treated as a guarantee of future outperformance.

Projection Info

The Monte Carlo projection takes the portfolio’s recent risk and return behavior and simulates 1,000 possible 10‑year paths to see a range of outcomes. It’s like running the same race many times with slightly different weather each run, then looking at the spread of finish times. Here, even the low‑end 5th percentile outcome is extremely strong, and all simulations end positive, with an average annualized return near 27%. That’s eye‑catching but also a red flag: the input history is short and unusually strong, so the model likely overstates future potential. It’s wise to treat these numbers as optimistic what‑ifs, not expectations.

Asset classes Info

  • Stocks
    99%

With 99% in stocks and essentially nothing in bonds or cash, the portfolio is clearly built for growth rather than capital preservation. That’s more aggressive than what’s usually meant by a “balanced” mix, which typically blends stocks with a healthy dose of bonds to smooth volatility. Concentrating in a single asset class maximizes exposure to equity risk, including big drawdowns when markets fall. A structure like this can work well for investors who have separate safety nets — such as cash reserves or bond holdings elsewhere — but it’s less comfortable for someone relying on this pool alone to cover near‑term needs.

Sectors Info

  • Technology
    25%
  • Financials
    18%
  • Industrials
    15%
  • Telecommunications
    8%
  • Health Care
    7%
  • Consumer Discretionary
    6%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Energy
    4%
  • Utilities
    3%
  • Consumer Discretionary
    2%
  • Real Estate
    2%

Sector exposure is fairly broad across technology, financials, industrials, communications, healthcare, and several smaller slices, with technology leading at about a quarter of the portfolio. That tech tilt is common in modern equity markets and aligns reasonably with global patterns, which is a plus for staying benchmark‑like. However, combining tech leadership with momentum strategies can magnify swings when growth names fall out of favor or when interest rates rise. At the same time, having meaningful allocations to financials, industrials, and defensives adds some balance, helping avoid an “all eggs in one sector” profile and supporting more robust long‑term diversification.

Regions Info

  • North America
    69%
  • Europe Developed
    18%
  • Japan
    6%
  • Asia Developed
    3%
  • Australasia
    2%
  • Africa/Middle East
    1%

Geographically, the portfolio leans strongly toward North America at roughly 69%, with the rest spread across developed Europe, Japan, other developed Asia, and a small slice in Africa/Middle East. That tilt toward the US and other developed markets tracks closely with major global benchmarks, which is a positive sign for diversification quality. Being aligned with global market weights reduces the risk of big country‑specific bets and keeps exposure focused on the broad world economy. The trade‑off is relatively little exposure to emerging markets, which can offer higher growth but also higher volatility and political or currency risk.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    32%
  • Mid-cap
    20%
  • Small-cap
    4%

Market cap exposure is dominated by mega and large companies, which together take up about three‑quarters of the portfolio. Mid caps add another 20%, while small caps are only a minor piece at around 4%. Focusing on bigger firms tends to reduce company‑specific blow‑up risk and often brings more stable earnings and liquidity, which is great for long‑term core holdings. The flip side is less potential benefit from smaller, more nimble companies that can grow faster from a lower base. This large‑cap skew supports smoother behavior, but it does slightly cap the portfolio’s exposure to some higher‑octane growth opportunities.

True holdings Info

  • NVIDIA Corporation
    4.36%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Apple Inc
    3.18%
    Part of fund(s):
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    2.38%
    Part of fund(s):
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    2.11%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Meta Platforms Inc.
    1.83%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    1.61%
    Part of fund(s):
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    1.42%
    Part of fund(s):
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    1.14%
    Part of fund(s):
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • JPMorgan Chase & Co
    1.03%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard S&P 500 ETF
  • Tesla Inc
    0.93%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Russell 1000 Growth Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Top 10 total 20.01%

Looking through the funds, there’s meaningful hidden concentration in a handful of mega‑cap names like NVIDIA, Apple, Microsoft, Broadcom, and the major platform companies. NVIDIA alone shows up at over 4% across the ETFs, and the rest of the usual large‑cap leaders all sit above 1%. Because several funds track similar large‑cap universes, the same companies appear in multiple products, which quietly amplifies exposure to those names. This overlap isn’t automatically bad — it helped during a big mega‑cap run — but it does mean the portfolio’s fortunes are closely tied to a relatively small group of global giants.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 12%
Size
Exposure to smaller companies
Very low
Data availability: 3%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
No data
Data availability: 0%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 65%

Factor exposure — the tilt toward characteristics like value, size, momentum, quality, low volatility, and yield — is dominated here by momentum and low volatility, with a modest value component. Momentum means favoring recent winners; it often boosts returns in trending markets but can suffer when trends sharply reverse. Low volatility aims at steadier stocks that historically move less than the market, helping cushion drawdowns. Together, these tilts create an interesting mix: a bias toward strong recent performers that are also relatively stable. That can be powerful but may behave differently than a plain index during regime changes, so expectations should stay flexible.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 42.69%
    43.5%
  • VANGUARD DEVELOPED MARKETS INDEX FUND ADMIRAL SHARES
    Weight: 15.25%
    13.1%
  • Invesco S&P 500® Momentum ETF
    Weight: 9.39%
    11.4%
  • MarketDesk Focused U.S. Momentum ETF
    Weight: 9.39%
    9.8%
  • VANGUARD DEVELOPED MARKETS INDEX FUND INSTITUTIONAL SHARES
    Weight: 10.81%
    9.3%
  • Top 5 risk contribution 87.1%

Risk contribution shows how much each holding adds to overall portfolio ups and downs, which can be very different from simple weights. The main US index ETF is 42.69% of assets but contributes about 43.53% of risk, almost a one‑to‑one relationship. In contrast, the US momentum ETF contributes more risk than its weight, while the developed markets index funds contribute less risk than their sizes. The top three holdings together drive over two‑thirds of total risk, even though they’re not the entire portfolio. That concentration is fairly typical but suggests that tweaking those big positions could meaningfully adjust the overall risk profile.

Redundant positions Info

  • Invesco S&P 500® Momentum ETF
    Vanguard S&P 500 ETF
    Vanguard Russell 1000 Growth Index Fund ETF Shares
    High correlation
  • VANGUARD DEVELOPED MARKETS INDEX FUND ADMIRAL SHARES
    VANGUARD DEVELOPED MARKETS INDEX FUND INSTITUTIONAL SHARES
    High correlation

Several holdings move closely together, especially the US index ETF, US momentum ETF, and the large‑cap growth ETF, as well as the two developed markets index share classes. Correlation measures how often assets rise and fall at the same time; when it’s high, they behave more like a single combined position. This reduces the diversification benefit you might expect from owning multiple funds. In practice, this setup is more like a concentrated bet on large developed‑market stocks with a momentum flavor than a wide variety of unrelated drivers. To improve resilience, many investors aim to mix assets that don’t march in lockstep.

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, the current portfolio sits below the efficient frontier, which means it’s not getting the best possible return for its level of risk using these same holdings. The efficient frontier represents the most effective combinations of the existing funds, and options like the minimum‑variance and highest‑Sharpe portfolios show better trade‑offs. The same‑risk optimized mix could deliver meaningfully higher expected return, though at somewhat higher volatility. Since the gap comes mainly from overlapping, highly correlated positions, reweighting between them — without adding new products — could potentially move the portfolio closer to that frontier and improve overall efficiency.

Dividends Info

  • Invesco S&P International Developed Momentum ETF 3.90%
  • Invesco S&P 500® Momentum ETF 0.80%
  • Vanguard Russell 1000 Growth Index Fund ETF Shares 0.50%
  • Vanguard S&P 500 ETF 1.20%
  • VANGUARD DEVELOPED MARKETS INDEX FUND ADMIRAL SHARES 2.20%
  • VANGUARD DEVELOPED MARKETS INDEX FUND INSTITUTIONAL SHARES 2.30%
  • MarketDesk Focused U.S. Momentum ETF 0.30%
  • Weighted yield (per year) 1.58%

The total dividend yield of about 1.58% is relatively modest, especially compared with more income‑oriented portfolios. That makes sense given the strong focus on growth and momentum styles, which often prefer companies that reinvest profits rather than paying them out. Dividends can be useful as a more stable return stream, particularly for people drawing regular income, but lower yields can be perfectly fine when the main goal is capital growth. In a structure like this, most of the return potential will likely come from price movement rather than cash distributions, so reinvestment and long‑term holding discipline become especially important.

Ongoing product costs Info

  • Invesco S&P International Developed Momentum ETF 0.25%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Russell 1000 Growth Index Fund ETF Shares 0.08%
  • Vanguard S&P 500 ETF 0.03%
  • VANGUARD DEVELOPED MARKETS INDEX FUND ADMIRAL SHARES 0.05%
  • VANGUARD DEVELOPED MARKETS INDEX FUND INSTITUTIONAL SHARES 0.03%
  • Weighted costs total (per year) 0.06%

The overall cost level is impressively low, with a total expense ratio around 0.06% across the mix. Individual funds are all on the lower end of the fee spectrum for their categories, especially the core index holdings. Low costs matter because they’re one of the few things an investor can control and they compound over time, just like returns do — every fraction of a percent saved stays in the portfolio working for the future. From a cost standpoint, this setup is very well aligned with best practices, supporting better long‑term outcomes compared with higher‑fee active strategies offering similar exposures.

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