Riding the magnificent tech rocket and hoping the fuel never runs out
Report created on Apr 22, 2026Risk 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
-
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 54.00% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 26.00% -
MA Roundhill Magnificent Seven ETF
MAGS - US53656G4982 20.00%
This “portfolio” is basically three ways of buying the same stuff and calling it diversification. Over half sits in a NASDAQ 100 clone, a quarter in an S&P 500 tracker, and the rest in a literal Magnificent Seven shrine. It’s like ordering three different meals and getting the same burger with slightly different sauces. Structurally, there’s no true balance here: it’s one big leveraged opinion that mega US tech will keep crushing everything else forever. The diversification score of 2/5 is generous; this is more costume change than asset mix. When everything points to the same handful of names, it behaves more like a single-theme bet than a broad portfolio.
Growth
Historically, this rocket has absolutely flown: $1,000 turned into $2,129 in about three years, with a 28.6% CAGR. CAGR (Compound Annual Growth Rate) is basically your average “speed” over the trip, and this thing has been flooring it. It outpaced the US market by 7.45% a year and the global market by 8.9% — serious excess return territory. The price was a max drawdown of -23.2%, a bit worse than the benchmarks, and a mere 24 days delivered 90% of all returns. Translation: this portfolio is a “miss a few good days and cry” setup. Past data is helpful, but it’s yesterday’s weather, not a long-term climate guarantee.
Projection
The Monte Carlo simulation throws this portfolio into 1,000 alternate futures using its past risk and return profile and shakes the dice. Median outcome: $1,000 grows to about $2,793 over 15 years, with a wide “probably” range from $1,770 to $4,145 and an overall average annualized return of 8.0%. That’s a big step down from recent history, which should be a clue that the party of the last few years isn’t assumed to continue forever. The downside is very real: in the ugly 5% of paths, you basically end up around flat at $989 after 15 years. Simulations are just math with assumptions, not prophecy, but they do shout “high uncertainty ahead.”
Asset classes
- Stocks 100%
Asset class breakdown is refreshingly simple and slightly reckless: 100% in stocks, 0% in literally anything else. No bonds, no cash buffer, no diversifiers — just pure equity roller coaster. That’s why the risk score sits at 5/7; this is not a seatbelt-heavy design. When everything is in one asset class, returns look amazing in good times but there’s nowhere to hide when markets collectively decide to throw a tantrum. Think of it as living in a glass house and assuming hail is just a rumor. The portfolio isn’t pretending to be balanced; it’s openly an all-in growth bet. That clarity is honest, if a bit intense.
Sectors
- Technology 37%
- Telecommunications 11%
- Consumer Discretionary 9%
- Consumer Staples 6%
- Health Care 5%
- Industrials 4%
- Financials 3%
- Utilities 1%
- Energy 1%
- Basic Materials 1%
- Real Estate 1%
Some holdings may not have full classification data available. Percentages may not add up to 100%.
Sector-wise, this is a tech dependency issue dressed up as diversification. Technology alone is 37%, and once you blend in communications and consumer discretionary names that are basically tech in disguise, the reliance on one broad theme is obvious. The more boring areas — utilities, energy, real estate, basic materials — barely register as rounding errors. A typical broad index at least pretends to like the entire economy; this one mostly likes the shiny, scalable, ad-fueled, chip-powered bits. When that part of the market works, it really works, but sector concentration like this means cyclical pain hits hard and synchronised. It’s the portfolio version of having one job in one industry in one town.
Regions
- North America 79%
- Europe Developed 1%
Some holdings may not have full classification data available. Percentages may not add up to 100%.
Geographically, this is “USA or bust” with 79% in North America and basically statistical noise elsewhere. That’s not global investing; that’s home-country worship with a token Europe cameo. A global index spreads exposure across multiple economic blocs and political regimes. Here, one region’s monetary policy, regulation, and tech cycle drive nearly the entire story. When the US is the world’s golden child, this looks brilliant; if the shine comes off, everything inside this portfolio is inhaling the same smoke. The rest of the planet’s markets are treated like optional DLC content, not part of the base game. Diversification score of 2/5 feels about right: geographically, this is very one-note.
Market capitalization
- Mega-cap 40%
- Large-cap 29%
- Mid-cap 11%
Some holdings may not have full classification data available. Percentages may not add up to 100%.
Market cap exposure screams “only the cool kids allowed.” Mega-caps at 40% and large-caps at 29% dominate; mid-caps are an afterthought at 11%, and anything smaller might as well not exist. This is hero-worship of the biggest, most widely owned companies on earth. Market-cap weighting naturally favors giants, but this portfolio doubles down by using products that are explicitly mega-cap and mega-tech tilted. The result is limited exposure to earlier-stage or niche growth stories and massive reliance on companies already priced as the market’s darlings. When big names keep winning, fine. When leadership rotates away from the mega-cap club, this structure will be slow and clumsy in adapting.
True holdings
-
NV NVIDIA Corporation 7.81%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Roundhill Magnificent Seven ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 6.60%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Roundhill Magnificent Seven ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 5.63%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Roundhill Magnificent Seven ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 4.72%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Roundhill Magnificent Seven ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 3.77%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Roundhill Magnificent Seven ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 3.50%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Roundhill Magnificent Seven ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 3.48%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Roundhill Magnificent Seven ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.58%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.44%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
WM Walmart Inc. 1.69%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 42.20%
Look-through holdings reveal the joke: this is a Magnificent Seven fan club with supporting cast. NVIDIA, Apple, Microsoft, Amazon, Meta, Alphabet (twice), and Tesla show up everywhere. Between the NASDAQ 100, S&P 500, and a dedicated Magnificent Seven ETF, the same names are layered on top of themselves. Overlap is actually understated because only ETF top-10s are counted, so the real dependence is even heavier. Hidden concentration like this means the portfolio looks like three funds but behaves like one hyper-focused tech-and-mega-cap cluster. It’s the illusion of choice: different tickers, same underlying handful of companies running the show. Diversification by ticker symbol doesn’t fool the math.
Factors
Factor exposure here is basically a love letter to growth-at-any-price. “Value” sits low at 26%, so cheap or unloved stocks barely exist. “Size” at 39% also leans away from smaller names, reinforcing the mega-cap obsession. Momentum and quality hover around neutral, which is just “market-like,” while yield is low at 39% and low volatility is low at 33%. In plain English: this portfolio leans away from defensive, steady, or income-driven traits and away from smaller, potentially undiscovered areas. It’s tilted toward expensive giants that have already run hard. That works beautifully in fast, growthy markets; in choppy or mean-reverting regimes, this setup is like driving a sports car on black ice with worn tires.
Risk contribution
-
Invesco NASDAQ 100 ETF
Weight: 54.00% 54.6% -
Roundhill Magnificent Seven ETF
Weight: 20.00% 26.2% -
Vanguard S&P 500 ETF
Weight: 26.00% 19.2%
Risk contribution is where the Magnificent Seven side hustle shows its teeth. The NASDAQ 100 ETF is 54% of the weight and about 55% of the risk — fair enough. But the Magnificent Seven ETF, at only 20% weight, grabs over 26% of total risk, with a risk/weight ratio of 1.31. That’s a small slice acting like a much bigger drama queen. Meanwhile, the S&P 500 fund is 26% weight but only 19% of risk, the comparatively “sensible” anchor. Risk contribution is basically who’s shaking the portfolio the hardest, not who looks biggest on paper. Here, the concentrated Magnificent Seven bet is punching above its weight in the volatility department.
Redundant positions
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High correlationVanguard S&P 500 ETFInvesco NASDAQ 100 ETF
Correlation-wise, the setup is hilariously on-brand. The NASDAQ 100 ETF and the S&P 500 ETF move almost identically, which is what happens when both are stuffed full of the same mega US names. Correlation is just how often things go up and down together; high correlation means when one panics, the other probably panics in sync. This portfolio is like owning two umbrellas made of the same leaky fabric — they’ll both fail at the same time in the same storm. The Magnificent Seven fund only turns the dial further in that direction. The point of diversification is to mix things that don’t all scream in unison; this mix mostly sings one loud chorus.
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 efficient frontier chart, this portfolio actually lands on or very near the curve, which means for its holdings and risk level it’s run surprisingly efficiently. The Sharpe ratio — risk-adjusted return, like grading performance per unit of stress — is 1.19, while the max-Sharpe version using the same ingredients hits 1.38 with higher return and more risk. Even the minimum-variance combo has a Sharpe of 1.31. So the roasting isn’t about waste; mathematically, this is using its set of funds decently. The catch is that the entire menu is narrow: optimizing within three overlapping, tech-heavy US funds is like perfectly arranging deck chairs on a very specific ship. Efficient, yes. Broad, no.
Dividends
- Invesco NASDAQ 100 ETF 0.50%
- Vanguard S&P 500 ETF 1.10%
- Roundhill Magnificent Seven ETF 1.50%
- Weighted yield (per year) 0.86%
Dividend yield at 0.86% is basically pocket change. The underlying ETFs are growth- and tech-heavy, so income isn’t really part of the design; the top names are more about reinvesting cash than showering shareholders with payouts. Dividends can act like a small shock absorber in rough markets, but here they’re more of a rounding error. If someone pretended this was an “income” portfolio, the numbers would laugh them out of the room. The story here is capital appreciation and price movement, not regular cash flow. That’s fine as long as nobody pretends this setup is going to fund anything meaningful via yield alone.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard S&P 500 ETF 0.03%
- Roundhill Magnificent Seven ETF 0.29%
- Weighted costs total (per year) 0.15%
Costs are the one area where this portfolio doesn’t self-sabotage. Total TER sits around 0.15%, with the S&P 500 ETF at a dirt-cheap 0.03%, the NASDAQ fund at 0.15%, and the Magnificent Seven shrine at a still-tolerable 0.29%. That’s not charity, but it’s far from highway robbery. Given how concentrated and spicy the exposures are, at least the privilege of riding this roller coaster isn’t overpriced. It’s like discovering the theme park with the wildest rides actually has reasonable ticket prices. Fees are under control — the real question isn’t what you’re paying, it’s what you’re paying to be concentrated in.
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