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A momentum drunk stock only portfolio pretending to be balanced while mainlining growth steroids

Risk 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.

What type of investor this portfolio is suitable for

Balanced Investors

This setup fits someone who says “balanced” to sound responsible but secretly loves speed and drama. High tolerance for volatility, at least on paper, and a clear bias toward chasing growth, themes, and momentum rather than slow-and-steady income. The ideal personality here is comfortable seeing double-digit drops without immediately hitting the eject button, and probably has a long time horizon — think decade-plus, not a three-year countdown to retirement. Goals likely center around building substantial wealth rather than preserving it. There’s some appreciation for diversification, but with a flair for excitement and a willingness to accept that when markets get ugly, this thing won’t exactly tiptoe down.

Positions

  • Schwab U.S. Large-Cap Growth ETF
    SCHG - US8085243009
    13.30%
  • Invesco S&P 500® Momentum ETF
    SPMO - US46138E3392
    13.30%
  • SPDR® Portfolio S&P 1500 Composite Stock Market ETF
    SPTM - US78464A8053
    13.30%
  • Invesco S&P MidCap Momentum ETF
    XMMO - US46137V4648
    13.30%
  • First Trust RBA American Industrial RenaissanceTM ETF
    AIRR - US33738R7044
    6.70%
  • Avantis® International Equity ETF
    AVDE - US0250727031
    6.70%
  • EA Series Trust
    FTWO - US02072L5571
    6.70%
  • Invesco S&P International Developed Momentum ETF
    IDMO - US46138E2220
    6.70%
  • Defiance Quantum ETF
    QTUM - US26922A4206
    6.70%
  • SPDR® S&P Aerospace & Defense ETF
    XAR - US78464A6313
    6.70%
  • Freedom 100 Emerging Markets ETF
    FRDM - US02072L6074
    6.60%

This thing calls itself “Balanced” but it’s 100% stocks with a big crush on momentum and industrials. That’s like labeling a sports car “family friendly” because it technically has back seats. You’ve got three big 13.3% core positions plus a swarm of spicy satellites that all rhyme with “chase what’s been hot.” It’s diversified on paper, but under the hood most roads lead to the same growth and momentum party. That’s fine if the plan is aggressive growth, not fine if the label tricks someone expecting calmer behavior. A sanity check: explicitly decide if this is a growth engine, then pair it with true stabilizers like bonds or cash if “balanced” is actually the goal.

Growth Info

A 28.15% CAGR (Compound Annual Growth Rate) is ridiculous in the best and most suspicious way. CAGR is basically your average speed over a wild road trip; this portfolio has been driving like it’s late to everything. An -18.94% max drawdown is actually tame for that level of return, but don’t get too proud — bull markets make heroes out of momentum junkies. The fact that 90% of returns came from just 24 days screams “timing lottery.” Miss a handful of those days, and the story changes fast. Treat this track record as “nice backstory,” not a promise, and stress-test your comfort with a much uglier future path.

Projection Info

The Monte Carlo simulation results look like a late-night infomercial: 100% of simulations positive, median outcome around 4,900% growth, and an average annualized 33.43%. Monte Carlo is basically rolling thousands of parallel futures using past behavior — helpful, but it’s still yesterday’s weather predicting next year’s climate. When your inputs are momentum-heavy bull market data, surprise surprise, the future looks amazing. Real life adds recessions, rate shocks, political messes, and investor panic. Treat those fat projected numbers as “best-case vibes,” not baseline reality. A more grounded approach would be to mentally haircut those return expectations hard and make sure any life plans still work at much lower growth.

Asset classes Info

  • Stocks
    100%
  • Cash
    0%
  • Other
    0%

Asset classes: 100% stocks, 0% cash, 0% anything else. For a “Balanced” risk profile, that’s pure comedy. It’s like building a diet labeled “balanced nutrition” that’s just twelve different flavors of pizza. Stocks are great for long-term growth, but they all party together when markets tank. Bonds, cash, and other assets exist to smooth the ride and give you dry powder when things go on sale. Here you’ve chosen maximum participation in the rollercoaster with zero intentional brakes. If the honest goal is long-term, aggressive growth, fair enough — just don’t pretend this is middle-of-the-road. Otherwise, consider layering in true diversifiers to match the label with reality.

Sectors Info

  • Industrials
    26%
  • Technology
    25%
  • Financials
    14%
  • Consumer Discretionary
    7%
  • Telecommunications
    7%
  • Health Care
    4%
  • Basic Materials
    4%
  • Consumer Staples
    4%
  • Energy
    4%
  • Utilities
    3%
  • Real Estate
    1%

Sector mix: Industrials 26%, Tech 25%, Financials 14%, and then a scattering of everything else. This is basically “industrials and tech carry the team” with a cameo from aerospace and quantum because why not. Compared to broad market indexes, you’re noticeably juiced up on industrials and defense-flavored stuff, and nowhere near the usual tech-dominated but more even spread. That tilt can be amazing when manufacturing, infrastructure, and defense spending are in fashion, and painful when those themes cool off. Sector tilts are fine if they’re chosen on purpose, not by accident. Regularly check whether this overweight still matches your beliefs about the world instead of letting old ETF choices drift your risk.

Regions Info

  • North America
    79%
  • Europe Developed
    9%
  • Asia Developed
    4%
  • Latin America
    2%
  • Japan
    2%
  • Asia Emerging
    1%
  • Africa/Middle East
    1%
  • Europe Emerging
    1%
  • Australasia
    1%

Geography-wise, this is “America first, everyone else gets scraps.” About 79% in North America, then tiny slices to Europe and the rest of the planet. That’s normal-ish for a US investor, but you’re leaning hard into home bias — the classic “I live here so I only trust these stocks” move. International momentum and emerging markets show a tiny attempt at global flavor, but they’re seasoning, not ingredients. If the US keeps dominating, you’ll look like a genius. If another region leads for a decade, you’re underexposed. Global diversification is like having more than one career option; annoying to manage, but very nice when your main one hits a rough patch.

Market capitalization Info

  • Mega-cap
    31%
  • Large-cap
    29%
  • Mid-cap
    22%
  • Small-cap
    17%
  • Micro-cap
    1%

Your market cap mix is surprisingly sane: 31% mega, 29% big, 22% mid, 17% small, and a token 1% micro. This is one of the few areas where it looks like you weren’t drunk on a theme. It’s tilted toward large and mega caps like standard broad indexes, but with a decent helping of mids and smalls that add extra volatility and upside potential. The momentum and niche ETFs probably skew some of those smaller names more than you realize, especially in mid and small caps. That’s fine if nerves are strong. Just keep in mind: smaller caps can turn a smooth ride into a rallycross championship in bear markets.

Dividends Info

  • First Trust RBA American Industrial RenaissanceTM ETF 0.20%
  • Avantis® International Equity ETF 2.50%
  • Freedom 100 Emerging Markets ETF 2.00%
  • EA Series Trust 0.90%
  • Invesco S&P International Developed Momentum ETF 3.50%
  • Defiance Quantum ETF 1.00%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Invesco S&P 500® Momentum ETF 0.80%
  • SPDR® Portfolio S&P 1500 Composite Stock Market ETF 1.10%
  • SPDR® S&P Aerospace & Defense ETF 0.40%
  • Invesco S&P MidCap Momentum ETF 0.70%
  • Weighted yield (per year) 1.10%

Total yield around 1.10% tells you everything: this portfolio doesn’t care about income; it’s here for capital gains and speed. That’s typical with growth, momentum, and thematic funds — they reinvest earnings or focus on companies that barely pay dividends. Nothing wrong with that if the plan is long-term compounding and you don’t need cash flow. But if someone expects this to help with living expenses anytime soon, they’ll be eating mostly from capital, not income, and that gets stressful in down years. Be clear: this is a total-return racer, not a paycheck generator. If future you wants reliable income, some higher-yield, more boring exposure needs to enter the chat later.

Ongoing product costs Info

  • First Trust RBA American Industrial RenaissanceTM ETF 0.70%
  • Avantis® International Equity ETF 0.23%
  • Freedom 100 Emerging Markets ETF 0.49%
  • EA Series Trust 0.49%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Defiance Quantum ETF 0.40%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Invesco S&P 500® Momentum ETF 0.13%
  • SPDR® Portfolio S&P 1500 Composite Stock Market ETF 0.03%
  • SPDR® S&P Aerospace & Defense ETF 0.35%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.27%

A total expense ratio around 0.27% is actually pretty respectable for such a zoo of specialized ETFs. You’ve got a few divas charging 0.70%, 0.49%, 0.40%-ish, mixed with low-fee core holdings like 0.03–0.13% that drag the average back to sanity. So yes, fees are under control — you must have accidentally done something right here. Still, niche funds need to earn their keep. If that pricey industrial renaissance or quantum exposure isn’t habitually adding value versus a simpler core, it’s just fancy wallpaper. Doing an occasional “are you worth it?” check on each high-fee position can shave drag without changing your overall style.

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.

From a risk-return perspective, this portfolio is like someone who heard about the Efficient Frontier and decided, “Cool, I’ll just live way past it.” Efficiency means getting the best possible return for a given level of volatility, not demanding high returns with medium-risk feelings. Here, the actual asset mix screams high-risk growth while the labeled risk score and “Balanced” tag whisper something softer. That mismatch creates behavioral risk: people bail at the worst time when reality doesn’t match the brochure. To get closer to a genuine efficient mix, either own the fact this is an aggressive equity engine or pair it with enough defensive assets to bring the real ride closer to the advertised risk profile.

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