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A growth junkie portfolio riding the US stock rocket and pretending volatility is just a rumor

Report created on Jan 3, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This setup is basically: “I heard index funds are good” and then you just kept hitting buy on every US equity ETF that looked familiar. About half in an S&P 500 clone, another quarter in developed ex‑US, then a random sampler platter of mid cap small cap growth and momentum that mostly overlap with the big core positions. It’s like ordering four versions of the same burger and calling it a varied diet. Structurally it isn’t awful, just needlessly busy. A cleaner approach would be to trim redundant US stock funds and decide which tilts (growth small cap momentum) you *actually* want, then size them meaningfully instead of sprinkling.

Growth Info

Historically this thing has been on a heater: a 16.3% CAGR is “don’t get used to this” territory. CAGR, or Compound Annual Growth Rate, is just your average yearly speed over the whole trip, potholes included. The -34.6% max drawdown is the pothole: that’s “portfolio down a third” pain. Also, 90% of returns came from 32 days, meaning missing a handful of monster days would have nuked the story. Versus broad equity benchmarks, this sits at the spicy end of “growthy US-heavy index fan.” Just remember: past data is like yesterday’s weather — informative but not clairvoyant. Expect future returns to be lower and bumpier than this backtest fairy tale.

Projection Info

The Monte Carlo numbers are basically shouting “stocks good” at you. Monte Carlo is just a big simulation where a computer rolls the market dice 1,000 times using past volatility as a guide. Median outcome of +735% and a 5th percentile of +128% looks heroic, but that’s built on historical growth that probably had some tailwind steroids. And 996 out of 1,000 simulations positive? Cute. Reality throws recessions, policy shocks, and bubbles that no spreadsheet saw coming. Treat these outputs as “vibes with numbers” not guarantees. Sensible next step is to sanity check that you could stomach multiple lost decades outside the simulation bubble without rage-quitting.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Asset class “diversification” here is basically: 99% stocks and 1% pocket change. This is not a portfolio; it’s a stock market personality test. Great for long-term growth if you’re actually committed, brutal if you secretly like sleeping at night. No bonds, no meaningful cash buffer, no other stabilizers. When stocks tank, everything here sulks together. For someone with a long horizon and strong stomach, that’s workable; for anyone needing money in the next few years, it’s a hazard. A more balanced setup would sprinkle in some lower-volatility assets to stop every correction from feeling like a financial horror movie marathon.

Sectors Info

  • Technology
    27%
  • Financials
    16%
  • Industrials
    12%
  • Consumer Discretionary
    10%
  • Health Care
    9%
  • Telecommunications
    9%
  • Consumer Staples
    5%
  • Basic Materials
    3%
  • Energy
    3%
  • Real Estate
    3%
  • Utilities
    3%

Sector spread looks like you photocopied a broad index: tech 27%, financials 16%, industrials 12%, then the usual suspects trailing. Not disastrous; just slightly juiced toward tech and growth, which is fun… until growth stocks remember gravity. There’s no obvious single-sector obsession, which is good, but your growth and momentum tilts indirectly shove you harder into the go-go names under the hood. When rates rise or risk appetite fades, these are the kids that get sent home first. If you want intentional tilts, fine, but dial in how much you want growth-y stuff to dominate, and keep an eye on sector balances rather than letting momentum ETFs quietly run the show.

Regions Info

  • North America
    72%
  • Europe Developed
    13%
  • Japan
    5%
  • Asia Developed
    3%
  • Asia Emerging
    3%
  • Australasia
    2%
  • Africa/Middle East
    1%

“America or bust” with a side salad is the vibe: 72% North America, 13% Europe developed, sprinkles of Japan and other regions, and emerging markets as a tiny garnish. For a US-based growth profile, that’s standard, but let’s not pretend this is truly global. You’re heavily tied to US economic policy, politics, and the fate of a handful of massive American companies. When the US leads, you look smart; when it lags, you look very domestic. A more balanced global tilt would shift some risk away from one country’s fortunes, even if home bias feels emotionally comforting. Right now, you’re betting hard that “USA forever” keeps working.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    29%
  • Mid-cap
    18%
  • Small-cap
    10%
  • Micro-cap
    1%

The market cap mix says “I like broad exposure but also can’t resist extra spice.” Mega and big caps dominate (about 69%), then mids and smalls add another kick. Micro caps at 1% are basically a rounding error, not an actual bet. This is still a large-cap-led portfolio; the small and mid positions mostly tweak risk and volatility rather than transform the profile. The problem is overlap: your S&P 500, growth fund, and momentum ETF all crowd into similar big-name territory. If you want real small-cap or mid-cap tilt, you’d either simplify the big-cap stack or upsize the truly different exposures instead of layering duplicates.

Redundant positions Info

  • Vanguard Small-Cap Index Fund ETF Shares
    iShares Core S&P Mid-Cap ETF
    High correlation
  • Vanguard S&P 500 ETF
    Schwab U.S. Large-Cap Growth ETF
    High correlation

The correlation story here is “team moves together.” Highly correlated groups like S&P 500 plus large-cap growth, and mid cap plus small cap, mean you’re holding multiple flavors of essentially the same risk. Correlation just means assets tend to move at the same time in the same direction — like friends who all bail on you the same weekend. You do get some benefit from mixing sizes and regions, but not nearly as much as your ETF count suggests. Cleaning this up would mean dropping the most redundant funds and using a smaller number of broad building blocks that actually behave differently in rough markets.

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.

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On the risk–return trade-off, you’re basically hugging the equity-heavy side of the Efficient Frontier and hoping your nerves keep up. The Efficient Frontier is just a nerdy way of saying “the best mix of risk and return for what you own.” You’ve chosen “maximum growth-ish” rather than “smoothed ride,” and that’s okay if intentional. But overlap between correlated funds means you’re not getting as much diversification per unit of risk as you could. Same risk, slightly less return than a tighter design is the likely reality. Streamlining redundant US equity funds and clarifying your tilts would push you closer to a cleaner, more efficient setup.

Dividends Info

  • iShares Core S&P Mid-Cap ETF 1.30%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Invesco S&P 500® Momentum ETF 0.70%
  • Vanguard Small-Cap Index Fund ETF Shares 1.30%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 3.20%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.67%

Total yield around 1.67% is the financial equivalent of “I brought snacks, but only for myself.” This is clearly a growth engine, not an income machine. Perfectly fine if you’re in accumulation mode; terrible if you think dividends are going to pay serious bills anytime soon. Growth and momentum-heavy holdings naturally skew toward lower yields, while the international and emerging pieces do some quiet heavy lifting on the income side. If income matters, this structure is underpowered. You’d need either a separate income sleeve or a shift toward more cash-flow-focused holdings, instead of hoping a 1–2% yield magically turns into a paycheck.

Ongoing product costs Info

  • iShares Core S&P Mid-Cap ETF 0.05%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Small-Cap Index Fund ETF Shares 0.05%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Weighted costs total (per year) 0.05%

Costs are suspiciously reasonable — 0.05% total TER is “did you actually read the fact sheets?” level good. This is the one area where you’re not lighting money on fire. TER, or Total Expense Ratio, is just the annual percentage skim the funds take; here it’s barely a nibble. The slight roasting: you’re paying tiny fees across more ETFs than you really need because of overlap. It’s like bragging about cheap streaming services while subscribing to six versions of the same platform. You could keep that ultra-low cost profile with fewer, broader funds and not lose anything except portfolio clutter and decision fatigue.

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