Balanced stock portfolio with strong US focus and modest factor tilts using low cost index style ETFs

Report created on May 4, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is almost entirely in equities, with 95% in stock ETFs and 5% in gold. The core is a broad US index fund at 40%, surrounded by more focused slices in US tech, momentum, dividends, small-cap value, utilities, and mid-cap momentum, plus a 10% global stock fund. This structure mixes a large, diversified core with “satellite” positions targeting specific themes or styles. That kind of setup matters because the core often drives most long-term results, while satellites tweak risk and return patterns. Here, the core allocation is substantial and aligns well with broad market exposure, while the satellites add some growth, income, and diversification characteristics without dominating the overall mix.

Growth Info

Over the period from late 2020 to April 2026, $1,000 in this portfolio grew to about $2,206. That works out to a Compound Annual Growth Rate (CAGR) of 15.4%, which is slightly ahead of the US market benchmark and meaningfully ahead of the global market benchmark. CAGR is like averaging your speed over a long road trip, smoothing out the bumps. The portfolio’s maximum drawdown, a peak‑to‑trough drop of about -23%, was a bit smaller than both benchmarks’ deepest falls. This combination of slightly higher return and slightly smaller worst drawdown versus the US market suggests the mix has historically been quite effective, though it’s important to remember that past performance does not guarantee future results.

Projection Info

The Monte Carlo projection uses the portfolio’s historical behavior to simulate 1,000 possible 15‑year paths for a $1,000 investment. Instead of one forecast, it shows a range: the median outcome lands around $2,747, with a “middle” band (25th–75th percentile) from roughly $1,834 to $4,310. Monte Carlo is basically a stress test under many random market paths, using past volatility and return as inputs. It also shows a wide possible range from about $1,084 to $7,617, underlining how uncertain long‑term markets can be. The average simulated return of about 8.1% per year and a roughly 75% chance of ending positive highlight generally favorable odds, while still leaving plenty of room for weaker or stronger outcomes.

Asset classes Info

  • Stocks
    95%
  • Other
    5%

From an asset class lens, this is a high‑equity portfolio: 95% in stocks and 5% in “other,” which here is gold. Heavy equity exposure typically means more growth potential over long periods but also more pronounced ups and downs, especially in sharp market selloffs. The 5% gold slice introduces a non‑stock asset that often behaves differently from equities, which can help smooth extreme scenarios, though it won’t transform the overall risk profile. Compared with a more mixed stock‑bond blend, this structure leans clearly toward growth rather than stability. That lines up with the “balanced” risk classification only because there is no bond component shown here, so “balance” is being created through equity style and a small alternative rather than through fixed income.

Sectors Info

  • Technology
    30%
  • Industrials
    10%
  • Financials
    10%
  • Telecommunications
    8%
  • Consumer Discretionary
    8%
  • Health Care
    8%
  • Utilities
    7%
  • Consumer Staples
    6%
  • Energy
    5%
  • Basic Materials
    2%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, the portfolio is led by technology at around 30%, with meaningful allocations across industrials, financials, telecom, consumer groups, healthcare, utilities, energy, and more. This spread shows a good degree of sector diversification, rather than a narrow bet on one industry. Compared with broad global benchmarks, the tech weight is elevated, reflecting positions in US growth and AI‑focused funds. Tech‑heavy exposure can benefit strongly from innovation and productivity gains but may be more sensitive when interest rates rise or when market sentiment shifts away from growth. On the positive side, the presence of utilities, staples, and healthcare adds some more defensive characteristics that tend to hold up relatively better in slower or choppier economic conditions.

Regions Info

  • North America
    84%
  • Europe Developed
    4%
  • Asia Developed
    2%
  • Japan
    2%
  • Asia Emerging
    2%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 84% of exposure is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and a small slice of emerging Asia. This creates a pronounced US tilt compared with global market indexes, where the US is large but not this dominant. Such concentration can be beneficial when US markets outperform, as they have for much of the past decade, which aligns with the strong recent returns observed here. However, it also means portfolio fortunes are tied closely to one economy, one currency, and one policy regime. The modest international allocation does bring in some global diversification, but it plays a supporting, not leading, role in shaping overall behavior.

Market capitalization Info

  • Large-cap
    34%
  • Mega-cap
    33%
  • Mid-cap
    19%
  • Small-cap
    6%
  • Micro-cap
    2%

This breakdown covers the equity portion of your portfolio only.

By market capitalization, the portfolio leans heavily toward mega‑cap and large‑cap stocks, which together make up about two‑thirds of exposure. Mid‑caps and small‑caps are present but clearly smaller, and there is only a small slice of micro‑caps. Larger companies tend to be more established, with more stable earnings and greater liquidity, which can moderate volatility versus a portfolio dominated by smaller names. The deliberate inclusion of small and mid‑cap momentum and value funds introduces exposure to segments that behave differently from mega‑cap growth. This blend can improve diversification within equities, as different size buckets often lead or lag at different points in the market cycle, though large caps remain the main driver of overall risk and return.

True holdings Info

  • NVIDIA Corporation
    4.90%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Vanguard S&P 500 ETF
    • iShares Future AI & Tech ETF
  • Apple Inc
    3.36%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    2.50%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    2.31%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Vanguard S&P 500 ETF
    • iShares Future AI & Tech ETF
  • Alphabet Inc Class A
    2.14%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    1.96%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    1.76%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Vanguard S&P 500 ETF
  • Meta Platforms Inc.
    1.21%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Tesla Inc
    1.08%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
  • Micron Technology Inc
    0.76%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • iShares Future AI & Tech ETF
  • Top 10 total 21.97%

This breakdown covers the equity portion of your portfolio only.

The look‑through holdings show that several mega‑cap technology and communication names appear repeatedly across ETFs, with NVIDIA, Apple, Microsoft, Broadcom, Alphabet, Amazon, Meta, and Tesla all notable. For example, NVIDIA alone represents nearly 5% of the portfolio through overlapping funds. This illustrates “hidden concentration”: even if no single ETF looks overly focused, overlapping top holdings can add up to sizeable exposures to a handful of companies. It’s worth noting that coverage is limited to ETF top‑10 lists, so actual overlap may be higher deeper in the portfolios. The upside is strong participation in leading growth franchises; the trade‑off is that portfolio results can be especially sensitive when these few giants have particularly strong or weak periods.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 90%
Size
Exposure to smaller companies
Neutral
Data availability: 95%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 90%
Quality
Preference for financially healthy companies
Neutral
Data availability: 90%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

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.

Factor exposure scores are generally “Neutral” across value, size, momentum, quality, yield, and low volatility, with all readings in the 46–56% range. Factor exposure describes how much the portfolio leans into certain characteristics that research links to returns, like cheapness (value), recent winners (momentum), or stability (low volatility). Here, the overall picture is very balanced, with no strong tilts toward or away from any factor. That’s somewhat interesting given there are explicit momentum and dividend funds inside; those influences appear to be offset by other holdings. A neutral factor profile means the portfolio is likely to behave broadly like the wider equity market in many environments, rather than strongly amplifying or dampening any one style trend.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 40.00%
    41.9%
  • Invesco NASDAQ 100 ETF
    Weight: 10.00%
    13.1%
  • Invesco S&P 500® Momentum ETF
    Weight: 10.00%
    11.0%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 10.00%
    8.7%
  • Invesco S&P MidCap Momentum ETF
    Weight: 5.00%
    6.0%
  • Top 5 risk contribution 80.7%

Risk contribution shows how much each position drives the portfolio’s overall ups and downs, which can differ from simple weight. The 40% S&P 500 ETF contributes about 42% of total risk, roughly in line with its size. The NASDAQ 100 ETF, at 10% weight, contributes around 13% of risk, and mid‑cap momentum, at 5% weight, adds about 6% of risk. That higher risk‑to‑weight ratio for growth‑oriented, tech‑heavy, and momentum funds reflects their greater volatility. The top three holdings together account for about two‑thirds of total risk, reinforcing that the broad US core plus NASDAQ and S&P momentum slices largely dictate portfolio behavior. Smaller holdings still matter, but they influence the edges more than the overall picture.

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 efficient frontier analysis compares the current mix with alternative weightings using the same holdings. The Sharpe ratio, which measures return per unit of risk after accounting for the risk‑free rate, is 0.76 for the current portfolio, versus about 1.3 for the optimal (max‑Sharpe) mix and 1.2 for the minimum‑variance mix. The current allocation sits roughly 3.8 percentage points below the frontier at its risk level, meaning it is not using this set of funds in the most efficient way historically. In plain terms, the data suggests that, with different weights among these same ETFs, historical simulations show you could have achieved either higher return for similar risk or similar return with less volatility, without adding any new products.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.30%
  • Invesco S&P 500® Momentum ETF 0.80%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Utilities Select Sector SPDR® Fund 2.60%
  • Invesco S&P MidCap Momentum ETF 0.60%
  • Weighted yield (per year) 1.32%

The overall portfolio yield comes out around 1.32%, which is modest and consistent with a growth‑tilted equity mix. Individual pieces vary widely: the US dividend ETF offers about 3.3% and utilities around 2.6%, while growth and momentum funds yield under 1%. Dividend yield measures the cash income paid out relative to price, and it can be an important component of total return over time, especially when reinvested. In this portfolio, dividends are a secondary driver compared to capital gains, as reflected by the strong historical growth. Still, having a few higher‑yield slices provides a small income cushion and slightly reduces reliance on pure price appreciation relative to an all‑growth basket.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • SPDR Gold Mini Shares 0.10%
  • iShares Future AI & Tech ETF 0.47%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • 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%
  • Utilities Select Sector SPDR® Fund 0.09%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.10%

Costs are a clear strength here. The weighted ongoing fee (Total TER) is around 0.10%, which is very low for a portfolio that blends broad index funds with more specialized strategies. TER, or Total Expense Ratio, is the annual cost charged by each fund, and it quietly compounds over time. Most holdings sit in the low single‑digit basis point range, with only a couple of more niche funds above 0.30%. This structure aligns well with best practices around keeping fees down, especially for core market exposure. Low costs mean more of the portfolio’s gross returns stay in your pocket, and over long periods the difference between 0.10% and higher fees can add up to substantial sums.

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