Growth focused portfolio with strong factor tilts and efficient global equity diversification

Report created on Mar 26, 2026

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.

Positions

The portfolio is built almost entirely from equities, with roughly 89% in stock funds and about 10% in gold. The biggest piece is a broad US large cap fund, paired with a global ex‑US fund and several more focused ETFs in small value, momentum, and quality. This structure blends a core “market-like” base with targeted tilts toward specific styles and a diversifier in gold. That mix is relevant because it combines long‑term growth potential with some ballast if stocks stumble. The main takeaway is that this is a deliberate, growth‑oriented setup that still pays attention to diversification and risk management through multiple return drivers.

Growth Info

From late 2019 to early 2026, the example 1,000 investment grew to about 2,460, beating both the US and global market references. The portfolio’s compound annual growth rate (CAGR) of 15.63% outpaced the US market’s 14.71% and global’s 12.30%, while max drawdown was slightly smaller than both benchmarks. CAGR is like your average yearly “speed” over the whole journey; max drawdown is the worst peak‑to‑bottom drop. Matching or beating the US market with comparable downside is impressive and suggests the factor tilts have been additive so far. Just remember, past performance, especially over one cycle, doesn’t guarantee similar results in the next one.

Projection Info

The Monte Carlo simulation projects many possible 10‑year paths by remixing historical returns and volatility. Think of it as running 1,000 “what if” market histories, not a single forecast. After 10 years, the median outcome shows a strong gain, with 993 of 1,000 simulations ending positive and a solid annualized return across all paths. The 5th percentile outcome is still roughly flat to modestly positive, which indicates resilient downside scenarios for a growth profile. However, simulations rely on historical patterns continuing, which is never guaranteed. The practical takeaway: expectations can be optimistic but should include a wide range of results, and planning should assume that the low‑end outcomes are still possible.

Asset classes Info

  • Stocks
    89%
  • Other
    10%

Asset‑class exposure is very concentrated in equities, at about 89%, with the remaining 10% in gold and a tiny residual bucket. There is essentially no ballast from bonds or cash, which keeps growth potential high but also leaves the portfolio more exposed to stock market swings. Compared with more balanced “all‑weather” allocations, this is clearly on the aggressive side. Gold can help in some crises and inflation shocks, but it doesn’t offer the steady income or stabilizing effect that high‑quality bonds usually provide. For someone comfortable with volatility and a longer horizon, this structure is coherent; for shorter horizons, additional defensive assets might usually be considered.

Sectors Info

  • Technology
    22%
  • Financials
    14%
  • Industrials
    13%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Energy
    6%
  • Telecommunications
    6%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    1%

Sector exposure is nicely spread out, with technology the largest at 22%, followed by financials, industrials, consumer cyclicals, and healthcare. This blend is actually quite close to broad market patterns, which is a strong indicator of healthy diversification. Tech is a clear leader but not overwhelmingly dominant, especially given its importance in major indexes. Sector diversification matters because different parts of the economy lead and lag at different times. For example, industrials and financials may do better in certain rate and economic environments than tech. Overall, the sector mix looks well‑balanced and aligns closely with global standards, helping reduce the risk of being overly tied to a single economic story.

Regions Info

  • North America
    71%
  • Europe Developed
    8%
  • Japan
    4%
  • Asia Developed
    2%
  • Asia Emerging
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, about 71% is in North America, with the rest spread across developed and emerging regions such as Europe, Japan, other parts of Asia, and smaller allocations elsewhere. This leans more toward the US than a pure global market cap portfolio, but not excessively so, especially for a US‑based investor. Geographic spread is key because different regions cycle through growth, policy, and currency regimes at different times. A heavy home‑country tilt can feel comfortable but sometimes concentrates risk. Here, the global diversification score is strong: the portfolio benefits from US leadership while still having meaningful exposure to international markets, which can help if leadership rotates away from North America.

Market capitalization Info

  • Mega-cap
    28%
  • Large-cap
    23%
  • Mid-cap
    17%
  • Small-cap
    16%
  • No data
    10%
  • Micro-cap
    6%

The market cap mix is impressively broad: roughly 28% mega cap, 23% big, 17% mid, 16% small, and 6% micro, with a small “unknown” bucket. That means the portfolio doesn’t just track giants; it deliberately allocates to smaller companies, especially through the small value and mid‑cap strategies. Market capitalization exposure matters because small and mid‑size businesses tend to be more volatile but historically can offer higher long‑run return potential. Large and mega caps usually provide more stability and liquidity. This structure, tilting away from only the biggest names, is a classic way to seek extra return while still leaning on the resilience of established firms.

True holdings Info

  • NVIDIA Corporation
    3.66%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Apple Inc
    2.32%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Broadcom Inc
    1.75%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Microsoft Corporation
    1.74%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Alphabet Inc Class A
    1.65%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Alphabet Inc Class C
    1.32%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Amazon.com Inc
    1.21%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Johnson & Johnson
    0.99%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Micron Technology Inc
    0.96%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Exxon Mobil Corp
    0.88%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Top 10 total 16.49%

Looking through the ETFs, the largest underlying company exposures include NVIDIA, Apple, Microsoft, Alphabet, Amazon, and Broadcom. These appear multiple times via the broad US fund and the momentum ETF, creating meaningful but not extreme “hidden” overlaps in a handful of mega‑cap names. Overlap is underestimated because only top‑10 holdings are visible, but even this partial view shows a modest concentration in major growth and tech‑related leaders. This matters because those firms can heavily influence short‑term returns, both up and down. The overall takeaway: there is some dependency on a small group of giants, but it’s balanced by meaningful exposure to smaller value and quality companies that behave differently.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 18%
Size
Exposure to smaller companies
Very high
Data availability: 28%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Very high
Data availability: 10%
Yield
Preference for dividend-paying stocks
No data
Data availability: 0%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 100%

Factor exposure is where this portfolio really stands out. It shows strong tilts toward value, size (smaller companies), and quality, with decent exposure to momentum and some lean toward lower volatility. Factors are like underlying “personalities” of stocks that research links to long‑term returns. A heavy value tilt means owning cheaper stocks relative to fundamentals; a size tilt means more smaller firms; quality usually emphasizes stronger balance sheets or profitability. Together, these tilts can behave differently from a plain cap‑weighted market: they may lag during pure growth booms but can shine when sentiment rotates toward fundamentals. The average signal coverage isn’t perfect, but the dominant blend of value, small, and quality is quite intentional and academically well‑supported.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 35.00%
    36.9%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 13.00%
    17.6%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 15.00%
    13.9%
  • Invesco S&P 500® Momentum ETF
    Weight: 12.00%
    12.7%
  • Invesco S&P MidCap Quality ETF
    Weight: 10.00%
    11.9%
  • Top 5 risk contribution 93.0%

Risk contribution shows how much each holding adds to total portfolio ups and downs, which can differ from its simple weight. The broad US fund is 35% of the portfolio but contributes about 37% of risk, very much in line. The US small value ETF is only 13% by weight but contributes nearly 18% of risk, highlighting how more volatile segments can punch above their size. The top three holdings together drive roughly 68% of overall risk, even though they’re a bit less than two‑thirds of assets. This is a normal pattern, not a red flag, but it’s useful context. Adjusting position sizes over time can keep risk aligned with comfort and goals.

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, meaning the same set of holdings could be weighted differently to get a better tradeoff. The Sharpe ratio (return per unit of risk) is 0.76 now, while the optimal mix using only these funds reaches 1.22, and even the minimum‑variance mix is higher. The same‑risk optimized allocation could lift expected return to nearly 19.8% with slightly higher volatility. The efficient frontier is basically the “menu” of best possible combos from what you already own. The key insight: without adding new products, simply rebalancing weights could significantly improve risk‑adjusted outcomes over time.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.00%
  • Avantis® U.S. Small Cap Value ETF 1.40%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • Invesco S&P MidCap Quality ETF 0.50%
  • Weighted yield (per year) 1.32%

The overall dividend yield is around 1.32%, which is modest for an equity‑heavy portfolio. Higher‑yielding pieces include the international small value and broad international fund, both near 3%, while the more growth‑ and factor‑oriented US funds generally yield under 1.5%. Dividend yield is the annual cash payout as a percentage of price and can be useful for income‑focused investors. Here, the low yield reflects a focus on total return and growth rather than maximizing cash flow. That’s very typical for a growth‑oriented equity mix and aligns with the idea of reinvesting earnings and dividends to compound over the long term, instead of prioritizing current income.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • SPDR® Gold Shares 0.40%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Invesco S&P MidCap Quality ETF 0.25%
  • Weighted costs total (per year) 0.15%

Average costs are impressively low, with a total expense ratio (TER) around 0.15%. The broad Vanguard funds are extremely cheap, and even the more specialized factor and small‑cap strategies are reasonably priced for what they do. TER is like a small percentage “toll” charged annually by each fund; lowering it leaves more of the return in your pocket every year. Over decades, even tiny differences can compound into meaningful amounts. This cost structure is a real strength and aligns well with best practices in evidence‑based investing. It supports better long‑term performance by minimizing friction, especially when combined with broad diversification and thoughtful factor tilts.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey