Strong factor tilted growth portfolio with concentrated tech exposure and moderate diversification across regions

Report created on Apr 29, 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 a compact mix of seven holdings, heavily focused on stocks with a small allocation to gold. About 90% sits in equity funds, split across small-cap value, international momentum, U.S. quality, a core large-cap fund, and a concentrated semiconductor mutual fund. The remaining 10% is in a gold ETF, which behaves differently from stocks. Structurally, this is a growth-leaning portfolio with a clear tilt toward active factor strategies rather than broad index funds. That kind of structure can amplify both gains and losses compared with a “plain vanilla” market-weighted index, because it intentionally leans into specific return drivers instead of owning everything in proportion to its size.

Growth Info

From mid-2020 to April 2026, a $1,000 investment in this mix grew to about $3,198. That translates into a compound annual growth rate (CAGR) of 21.95%, meaning the value increased on average about 22% per year over the period, like an average speed on a road trip. This notably outpaced both the U.S. market (16.74%) and global market (14.55%). The maximum drawdown, or worst peak-to-trough decline, was -23.46%, similar to the benchmarks’ largest drops. So, historically, this portfolio delivered higher returns with drawdowns in the same ballpark, implying strong upside capture without meaningfully deeper historical falls in that window, though future behavior can differ.

Projection Info

The Monte Carlo projection uses past return and volatility patterns to simulate 1,000 different 15‑year futures for this portfolio. Think of it as rolling the dice many times based on historical behavior to see a range of possible outcomes, not a prediction. The median scenario grows $1,000 to about $2,556, roughly a 7.47% annualized return across all simulations. The middle half of outcomes (25th–75th percentile) lands between $1,717 and $3,924, while extreme but plausible paths range from around $912 to $6,921. About 71% of simulations end positive. These numbers highlight uncertainty: long-term growth is likely in many scenarios, but paths vary widely and bad sequences of returns remain possible.

Asset classes Info

  • Stocks
    90%
  • Other
    10%

Across asset classes, this portfolio is overwhelmingly in equities (90%), with the remaining 10% in “other,” represented by gold. Equities are ownership stakes in companies and tend to drive long-term growth but also day‑to‑day volatility. The gold slice behaves more like a diversifier or hedge; historically, it often moves differently from stocks, especially around stress events, though not always. Compared with a global multi‑asset benchmark that might hold more bonds or cash, this structure is clearly growth‑oriented and more reliant on stock market behavior. The modest non‑equity allocation slightly softens that equity risk without changing the overall growth character of the portfolio.

Sectors Info

  • Technology
    29%
  • Financials
    18%
  • Industrials
    11%
  • Consumer Discretionary
    8%
  • Energy
    5%
  • Telecommunications
    5%
  • Health Care
    4%
  • Basic Materials
    4%
  • Consumer Staples
    3%
  • Utilities
    2%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, technology stands out at 29% of the equity exposure, helped by the dedicated semiconductor fund. Financials (18%) and industrials (11%) form the next largest buckets, with the rest spread across consumer, energy, telecom, health care, materials, staples, utilities, and real estate in smaller slices. This is more tech-heavy than a typical broad global index, which usually has a lower tech weight and less exposure to a single industry like semiconductors. Tech‑ and semiconductor‑heavy allocations can benefit strongly when innovation and digital trends lead markets, but they can also experience sharper swings during periods of rising interest rates, regulatory pressure, or sector‑specific downturns.

Regions Info

  • North America
    71%
  • Europe Developed
    12%
  • Japan
    4%
  • Asia Developed
    1%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 71% of the portfolio’s equity exposure is in North America, with Europe developed at 12%, Japan at 4%, and smaller allocations to other developed and emerging regions. Global market indexes today are also U.S.-tilted, but this portfolio leans somewhat more toward North America than a strictly market‑cap‑weighted world allocation. A higher North American share means company earnings and currency exposure are more closely tied to that region’s economic and policy environment. The presence of developed international momentum exposure does introduce some non‑U.S. diversification, but the overall risk profile is still dominated by North American markets and their cycles.

Market capitalization Info

  • Mega-cap
    29%
  • Large-cap
    24%
  • Mid-cap
    14%
  • Small-cap
    14%
  • Micro-cap
    9%

This breakdown covers the equity portion of your portfolio only.

By market size, the portfolio spreads exposure across mega-cap (29%), large-cap (24%), mid-cap (14%), small-cap (14%), and micro-cap (9%) companies. That’s more balanced toward smaller companies than a standard market-cap-weighted index, which is typically dominated by mega- and large-caps. Smaller companies, especially small and micro-caps, historically show higher volatility and sometimes stronger long-term growth potential, though not guaranteed. The presence of a dedicated U.S. small-cap value ETF is a big driver of this pattern. This blend means returns likely won’t track large-cap benchmarks perfectly; the portfolio can behave differently in periods when smaller companies outperform or lag larger, more established firms.

True holdings Info

  • NVIDIA Corporation
    1.80%
    Part of fund(s):
    • Fidelity Fundamental Large Cap Core ETF
    • JPMorgan U.S. Quality Factor ETF
    • iShares MSCI USA Quality GARP ETF
  • Alphabet Inc Class A
    1.46%
    Part of fund(s):
    • Fidelity Fundamental Large Cap Core ETF
    • JPMorgan U.S. Quality Factor ETF
    • iShares MSCI USA Quality GARP ETF
  • Apple Inc
    1.23%
    Part of fund(s):
    • Fidelity Fundamental Large Cap Core ETF
    • JPMorgan U.S. Quality Factor ETF
    • iShares MSCI USA Quality GARP ETF
  • Meta Platforms Inc.
    1.22%
    Part of fund(s):
    • Fidelity Fundamental Large Cap Core ETF
    • JPMorgan U.S. Quality Factor ETF
    • iShares MSCI USA Quality GARP ETF
  • Microsoft Corporation
    1.18%
    Part of fund(s):
    • Fidelity Fundamental Large Cap Core ETF
    • JPMorgan U.S. Quality Factor ETF
    • iShares MSCI USA Quality GARP ETF
  • HSBC Holdings PLC
    0.87%
    Part of fund(s):
    • Invesco S&P International Developed Momentum ETF
  • Toronto Dominion Bank
    0.75%
    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
  • Broadcom Inc
    0.68%
    Part of fund(s):
    • Fidelity Fundamental Large Cap Core ETF
    • JPMorgan U.S. Quality Factor ETF
  • Advanced Micro Devices Inc
    0.65%
    Part of fund(s):
    • JPMorgan U.S. Quality Factor ETF
    • iShares MSCI USA Quality GARP ETF
  • Top 10 total 10.59%

This breakdown covers the equity portion of your portfolio only.

Looking through the top holdings of the ETFs and fund, there is visible overlap in major tech names like NVIDIA, Alphabet, Apple, Meta, Microsoft, Broadcom, and AMD. While each appears at low single‑digit percentages, jointly they form a meaningful chunk of the look‑through exposure. Because only ETF top‑10 holdings are captured, true overlap is likely higher than reported. Overlap matters because if the same company shows up in multiple funds, its influence on overall performance is larger than any single line item suggests. When those overlapping names are highly volatile growth stocks, their collective behavior can drive a bigger share of portfolio ups and downs.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 90%
Size
Exposure to smaller companies
High
Data availability: 90%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 90%
Quality
Preference for financially healthy companies
Neutral
Data availability: 90%
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 exposure is fairly balanced overall, with most factors sitting in the “neutral” zone. Size shows a mild tilt toward smaller companies (61%), which fits the explicit small‑cap value allocation. Factors are like the underlying “ingredients” that drive returns: value, size, momentum, quality, yield, and low volatility each capture a pattern identified in academic research. Here, value, momentum, quality, yield, and low volatility cluster around neutral, suggesting the portfolio behaves roughly like the broad market on those dimensions, rather than strongly emphasizing any one style. That mild size tilt means performance may diverge from large‑cap benchmarks when small‑caps go through strong or weak cycles.

Risk contribution Info

  • Avantis® U.S. Small Cap Value ETF
    Weight: 20.00%
    23.7%
  • Fidelity Select Semiconductors Portfolio
    Weight: 10.00%
    18.5%
  • Invesco S&P International Developed Momentum ETF
    Weight: 20.00%
    17.3%
  • JPMorgan U.S. Quality Factor ETF
    Weight: 20.00%
    17.1%
  • iShares MSCI USA Quality GARP ETF
    Weight: 10.00%
    11.4%
  • Top 5 risk contribution 88.0%

Risk contribution shows how much each holding adds to the portfolio’s total volatility, which can differ from its weight. The small‑cap value ETF, at 20% weight, contributes about 23.74% of total risk, slightly more than its size. The semiconductor mutual fund stands out: it’s only 10% of the portfolio but contributes 18.47% of the risk, with a risk/weight ratio of 1.85. That signals a single, specialized sleeve driving a large share of the overall ups and downs. By contrast, the international momentum and U.S. quality ETFs contribute slightly less risk than their weights. Overall, the top three positions account for nearly 60% of total risk, indicating fairly concentrated risk drivers.

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 analysis compares this portfolio’s risk and return with the best possible combinations of the same holdings. The current mix has a Sharpe ratio of 0.99, which measures return per unit of risk above a 4% risk‑free rate. The “optimal” portfolio on this frontier shows a higher Sharpe of 1.44 with slightly higher expected return but lower risk, while the minimum variance mix delivers the lowest risk with a Sharpe of 1.3. Being about 4.39 percentage points below the frontier at the current risk level means that, historically, different weightings of these same funds could have produced better risk‑adjusted results without adding new assets.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Fidelity Fundamental Large Cap Core ETF 1.00%
  • Fidelity Select Semiconductors Portfolio 11.70%
  • Invesco S&P International Developed Momentum ETF 3.60%
  • JPMorgan U.S. Quality Factor ETF 1.20%
  • iShares MSCI USA Quality GARP ETF 0.30%
  • Weighted yield (per year) 2.52%

The portfolio’s overall dividend yield is around 2.52%, combining relatively modest yields from most equity funds with a very high reported yield from the semiconductor fund. Dividend yield is the annual cash payout as a percentage of price, and it can be an important part of total return, especially when reinvested. Here, the focus is clearly more on capital growth and factor tilts than on steady income, given that several holdings have yields around or below 1%. The elevated semiconductor yield may also reflect recent distributions that aren’t necessarily stable over time. As always, dividend histories can change with company earnings, payout policies, and broader market conditions.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Fidelity Select Semiconductors Portfolio 0.62%
  • SPDR Gold Mini Shares 0.10%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • JPMorgan U.S. Quality Factor ETF 0.12%
  • Weighted costs total (per year) 0.20%

The weighted average ongoing cost (TER) of this portfolio is about 0.20% per year, which is quite low for a collection of factor‑based ETFs plus an active mutual fund. Individual fund fees range from 0.10% for gold to 0.62% for the semiconductor fund, with the bulk of assets in the 0.12–0.25% range. Costs matter because they come out every year regardless of performance, and small percentage differences compound significantly over long periods. In this case, the overall fee level is impressively low given the specialized strategies in use, which supports better long‑term net returns compared with higher‑cost approaches targeting similar factor tilts or sector exposures.

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