This portfolio has only about 11 months 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.

Broad equity portfolio with strong diversification and recent tech momentum over a very short data window

Report created on Apr 29, 2026

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio is a six‑ETF, all‑equity mix, with a clear core‑satellite structure. The core is made up of broad US and international stock market funds, which together hold the majority of the weight. Around that, there are more focused pieces: a NASDAQ 100 fund, a US dividend ETF, and a small slice in a “monopoly”‑themed strategy. That mix creates exposure to both general market movements and more concentrated themes. Because the history available is only about 11 months, it’s hard to say how this structure behaves across full cycles, but the layout itself is typical of a diversified, stock‑heavy approach that leans on low‑cost index funds as the backbone.

Growth Info

Over the roughly 11‑month period, a hypothetical $1,000 in this portfolio grew to about $1,228, a compound annual growth rate (CAGR) of 24.64%. CAGR is like average speed on a road trip: it smooths out the bumps in between. Over this short window, the portfolio slightly outpaced both the US and global equity benchmarks and had a similar maximum drawdown of around -9%. Only 11 trading days made up 90% of returns, which is typical for stocks where a handful of strong days matter a lot. Because this is less than a year of data, these results show recent conditions, not a reliable long‑term pattern.

Projection Info

The 15‑year Monte Carlo projection uses past return and volatility patterns to simulate many possible future paths. It’s a bit like running 1,000 “what if” timelines based on recent behavior. The median outcome turns $1,000 into about $2,738, with a wide middle range from roughly $1,738 to $4,358, and extreme outcomes stretching from near break‑even to more than eight times the starting value. The average simulated annual return is 8.17%. However, these simulations are built on only about 11 months of history, which is a very thin basis. That makes the numbers more of an educational illustration of uncertainty than a forecast you’d want to rely on heavily.

Asset classes Info

  • Stocks
    55%
  • No data
    45%

On the asset‑class view, 55% of the portfolio is explicitly tagged as stocks, with 45% sitting in a “no data” bucket where the system simply doesn’t know the category. That “no data” portion is most likely just missing classification, not necessarily something exotic, but the tool can’t confirm it. From what is visible, the portfolio looks like a pure‑equity setup without bonds or alternatives in the breakdown. In asset‑allocation terms, that means returns and risk are tightly linked to stock markets rather than spread across very different asset types. Given the limited history, it’s especially important to remember that this equity‑centric structure can feel very different in rougher market periods than it has in the last 11 months.

Sectors Info

  • Technology
    15%
  • Financials
    7%
  • Industrials
    6%
  • Health Care
    5%
  • Consumer Discretionary
    5%
  • Telecommunications
    5%
  • Consumer Staples
    4%
  • Energy
    3%
  • Basic Materials
    2%
  • Utilities
    1%
  • Real Estate
    1%

Sector data shows exposure spread across technology, financials, industrials, health care, consumer areas, telecoms, and smaller slices in energy, materials, utilities, and real estate. Technology stands out as the largest single sector at 15%, but the rest are quite evenly distributed. This broad spread is generally in line with common global equity benchmarks, which is a good sign for diversification across business types. Sector mix matters because different industries react differently to interest rates, growth slowdowns, or policy changes. A somewhat tech‑heavier tilt can add growth and recent performance tailwinds, but it may also increase sensitivity to shifts in sentiment around innovation, regulation, or earnings expectations in more growth‑oriented businesses.

Regions Info

  • North America
    36%
  • Europe Developed
    8%
  • Japan
    3%
  • Asia Developed
    3%
  • Asia Emerging
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, the portfolio is strongly tilted toward North America at 36%, with additional exposure to developed Europe, Japan, other developed Asia, and several emerging regions like Asia, Latin America, and Africa/Middle East. This pattern loosely resembles a global equity index, which is encouraging for diversification because it spreads economic and political risk across many countries. Compared to a strictly US‑only approach, this structure pulls in more currencies and local growth stories. At the same time, the visible share outside North America remains smaller than North America itself, so performance is still likely to be influenced most by North American market conditions, especially over short periods like the current 11‑month data window.

Market capitalization Info

  • Large-cap
    22%
  • Mega-cap
    20%
  • Mid-cap
    9%
  • Small-cap
    2%
  • Micro-cap
    1%

The market cap breakdown shows a clear lean toward larger companies: mega‑caps and large‑caps together make up 42%, with mid‑caps at 9%, small‑caps at 2%, and micro‑caps at 1%. This is typical of index‑style portfolios, since big companies dominate market value. Larger firms tend to have more diversified business lines and may be more resilient in some downturns, while smaller firms can be more volatile but sometimes deliver bursts of higher growth. This structure suggests that portfolio behavior will be driven primarily by the biggest, most established companies. Over time, that often means smoother rides than a small‑cap‑heavy approach, but again, with just 11 months of data, it’s too early to judge how that trade‑off plays out across full cycles.

True holdings Info

  • NVIDIA Corporation
    5.42%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Strategy Shares Monopoly ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    4.75%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Strategy Shares Monopoly ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    3.56%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Strategy Shares Monopoly ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    2.74%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Strategy Shares Monopoly ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    2.09%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Strategy Shares Monopoly ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    1.96%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Strategy Shares Monopoly ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    1.95%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    1.74%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Strategy Shares Monopoly ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    1.50%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Strategy Shares Monopoly ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Berkshire Hathaway Inc
    0.83%
    Part of fund(s):
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 26.54%

Looking through the ETFs’ top holdings, a handful of mega‑cap names appear repeatedly: NVIDIA, Apple, Microsoft, Amazon, the two Alphabet share classes, Meta, Tesla, and Berkshire Hathaway. For example, NVIDIA alone accounts for about 5.42% of total exposure, and Apple about 4.75%. Because these companies show up in multiple funds, they create “hidden” concentration that is higher than any single ETF’s weight might suggest. At the same time, the look‑through only covers about a third of the portfolio, since it’s based on each ETF’s top 10 holdings. That means actual overlap is probably somewhat higher, but not fully captured. Over shorter horizons, strong performance from these mega‑caps can heavily shape overall returns.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 20%
Size
Exposure to smaller companies
Very low
Data availability: 95%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 10%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 95%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 95%

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.

On the factor side, this portfolio shows a very low exposure to the Size factor, plus high exposure to Momentum and Low Volatility, with Value and Yield around neutral. Factor exposure is basically how much the portfolio leans into certain traits that research has linked to long‑term returns. A very low Size score reflects a clear tilt toward larger companies versus smaller ones. High Momentum means holdings that have done well recently make up a bigger share, which can help in strong, trending markets but can hurt if leadership suddenly reverses. High Low Volatility suggests a preference for stocks that historically move a bit less than the market. With only 11 months of data, these tilts may evolve, but they currently point to a large‑cap, trend‑friendly, slightly smoother‑ride profile.

Risk contribution Info

  • State Street® SPDR® Portfolio S&P 500® ETF
    Weight: 40.00%
    40.2%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 20.00%
    21.4%
  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 15.00%
    15.5%
  • Invesco NASDAQ 100 ETF
    Weight: 10.00%
    12.4%
  • Strategy Shares Monopoly ETF
    Weight: 5.00%
    5.9%
  • Top 5 risk contribution 95.5%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weight. Here, the three broad market ETFs together contribute about 77% of total risk, closely matching their combined weight. The S&P 500 ETF at 40% weight contributes roughly 40% of the risk, while the total international and total US market funds also line up near one‑to‑one. The NASDAQ 100 ETF, however, contributes more risk than its 10% weight would suggest, with a risk/weight ratio of 1.24, reflecting its higher volatility. The small 5% “monopoly” ETF similarly adds a bit more risk than its size. Overall, risk is spread fairly proportionally, with only moderate amplification from the focused growth exposures.

Redundant positions Info

  • Invesco NASDAQ 100 ETF
    Strategy Shares Monopoly ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    State Street® SPDR® Portfolio S&P 500® ETF
    High correlation

Correlation measures how often assets move together, on a scale from -1 (opposites) to +1 (almost identical). Several pairs in this portfolio are highly correlated, especially the NASDAQ 100 ETF, the S&P 500 ETF, the total US market ETF, and the monopoly‑themed ETF. This makes sense: they all draw heavily from large US growth companies, so their price moves are similar. High correlation reduces the diversification benefit you get from holding multiple funds, because when one drops, the others are likely to move in the same direction. Over an 11‑month stretch that has favored large US growth stocks, these relationships may look even tighter than they would over longer, more varied market periods.

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 risk‑return chart and efficient frontier compare the current mix to all other possible mixes of the same six holdings. The Sharpe ratio, which measures return per unit of risk above a risk‑free rate, is 1.59 for the current portfolio, while the optimal mix reaches 2.28 and the minimum‑variance mix is 2.14. The current point sits about 2.7 percentage points below the efficient frontier at its risk level, meaning there are other weightings of these same ETFs that would have delivered better risk‑adjusted returns over this short sample. Since the data covers only ~11 months, this “inefficiency” could be temporary or driven by recent conditions, not necessarily something that would persist over longer horizons.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Strategy Shares Monopoly ETF 0.10%
  • State Street® SPDR® Portfolio S&P 500® ETF 1.10%
  • Weighted yield (per year) 1.56%

The overall estimated dividend yield is about 1.56%, combining higher‑yield holdings like the Schwab US Dividend Equity ETF at 3.40% and the international fund at 2.80% with lower‑yield components such as the NASDAQ 100 and the monopoly ETF. Yield is the cash income paid out each year as a percentage of the current value. In an equity‑only, growth‑tilted portfolio like this, most of the expected return tends to come from price changes rather than dividends. Over longer periods, reinvested dividends can still meaningfully boost total returns, but with only 11 months of data, it’s hard to see a full dividend cycle or judge how consistently the income stream might behave.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.04%

Costs look impressively low, with a total expense ratio (TER) of about 0.04% across the ETFs. TER is the annual fee charged by a fund, expressed as a percentage of the amount invested. Here, the individual funds range from 0.03% to 0.15%, and the overall blend ends up near the lower end of the ETF cost spectrum. Low ongoing costs help more of the portfolio’s gross returns stay in the account, and the benefit compounds over time. Even though the performance history we can see is only around 11 months, low fees are one of the few things that are relatively predictable going forward, and this portfolio scores very well on that front.

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