High growth momentum focused portfolio with strong diversification and smart use of alternatives
Report created on Mar 23, 2026Risk profile
4/7
Diversification profile
4/5
Positions
-
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 33.00% -
AV Avantis All Equity Markets ETF
AVGE - US0250722321 23.00% -
SG abrdn Physical Gold Shares ETF
SGOL - US00326A1043 23.00% -
VU Vanguard Growth Index Fund ETF Shares
VUG - US9229087369 16.00% -
IB iShares Bitcoin Trust
IBIT - US46438F1012 5.00%
The portfolio is built around growth-focused stock ETFs, with a sizable allocation to gold and a smaller slice to bitcoin. Roughly three quarters sits in equities, mostly via broad funds and a dedicated momentum strategy, while about a quarter is in gold, and a small 5% in crypto. This mix leans clearly toward growth and capital appreciation, but with a meaningful stabilizer in gold. Structurally, it’s a concentrated set of five holdings, yet each ETF is broadly diversified inside. The main takeaway is that this is a high-growth, risk-aware setup: it accepts equity and crypto volatility but tempers it with a solid allocation to a defensive real asset.
Growth
Over the observed period, the portfolio turned $1,000 into $1,704, with a compound annual growth rate (CAGR) of 25.72%. CAGR is the “average speed” of growth per year, smoothing the ups and downs. That’s meaningfully ahead of both the US and global market references, which sit around 16.5–16.7%. Interestingly, the max drawdown — the worst peak-to-trough drop — was shallower than both benchmarks, at -14.74% versus roughly -19% and -17%. This combination of higher return and smaller drawdown is very strong, but it’s still a short window, during a favourable environment for momentum and growth. Past performance, especially over just two years, can change quickly.
Projection
The Monte Carlo projection uses historical return and volatility patterns to simulate many possible futures, like rolling dice 1,000 times for the next 10 years. It shows a wide range of outcomes, from about a 300% cumulative gain in tougher scenarios to over 3,800% at the 67th percentile, with all simulations positive. The average simulated annual return of about 30% is extremely high and reflects the recent strong history baked into the model. This is where limitations matter: Monte Carlo assumes the future behaves somewhat like the past, which is rarely perfect. Treat these numbers as a “what if” range, not a promise, and expect that actual results could be much lower or more volatile.
Asset classes
- Stocks 72%
- Other 23%
- Crypto 5%
Across asset classes, about 72% is in stocks, 23% in “other” (here, mainly physical gold), and 5% in crypto. That’s a classic growth-leaning mix, with a meaningful diversifier in gold and a speculative kicker via bitcoin. Compared with a typical balanced portfolio, this is more equity-heavy and includes more alternatives, but the gold slice helps cushion equity stress. Bitcoin, while small, is a significant driver of tail risk and big moves. This allocation is well-balanced for someone wanting strong growth with some downside dampening from gold, but it will still feel very different from a conservative or income-oriented allocation when markets swing.
Sectors
- Technology 23%
- Financials 11%
- Telecommunications 9%
- Industrials 8%
- Consumer Discretionary 6%
- Crypto 5%
- Consumer Staples 4%
- Health Care 3%
- Energy 3%
- Utilities 2%
- Real Estate 2%
- Basic Materials 1%
Sector-wise, the portfolio leans toward technology (23%), financial services, communication services, and industrials, with meaningful slices in consumer areas, healthcare, energy, utilities, and real estate. That’s a broad sector spread across the main parts of the economy. A noticeable tech tilt means sensitivity to innovation cycles and interest-rate expectations: when rates rise or growth stocks fall out of favour, volatility can spike. At the same time, exposure to defensive and cyclical areas helps balance some of that risk. Overall, the sector composition matches diversified equity standards quite well, which is a strong indicator that stock risk is not narrowly concentrated in one theme.
Regions
- North America 65%
- Europe Developed 2%
- Asia Developed 1%
- Asia Emerging 1%
- Japan 1%
Geographically, about 65% is in North America, with relatively small allocations to Europe, Japan, and both developed and emerging Asia. That’s more home-country and US-centric than global market indexes, which usually have a lower US share. This bias has been rewarding in the last decade as US markets outperformed many others. However, it also ties overall results closely to North American economic and policy conditions. Under-exposure to other regions means missing some diversification benefits when different economies move out of sync. Keeping this in mind helps set expectations: major US market events will heavily influence outcomes, even though the underlying funds are broadly diversified.
Market capitalization
- Mega-cap 31%
- Large-cap 25%
- Mid-cap 12%
- Small-cap 3%
- Micro-cap 1%
By market capitalization, the portfolio is dominated by mega and big companies, with a smaller but meaningful allocation down the size spectrum to mid, small, and micro caps. Large firms tend to be more stable, more liquid, and easier to analyze, which usually lowers risk relative to an all-small-cap approach. Smaller companies, however, can offer higher growth potential but with bumpier rides. This mix provides a good blend: the core is anchored in global giants, while a thin allocation to smaller businesses adds some growth and diversification. For most investors, this sort of size breakdown is reasonable and aligns fairly well with how global equity markets themselves are structured.
True holdings
-
NV NVIDIA Corporation 5.61%
Part of fund(s):- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Avantis All Equity Markets ETF
- Avantis® U.S. Equity ETF
- Invesco S&P 500® Momentum ETF
- Vanguard Growth Index Fund ETF Shares
-
BT Grayscale Bitcoin Mini Trust (BTC) 5.00%
Part of fund(s):- iShares Bitcoin Trust
-
AV Broadcom Inc 3.80%
Part of fund(s):- Avantis All Equity Markets ETF
- Avantis® U.S. Equity ETF
- Invesco S&P 500® Momentum ETF
- Vanguard Growth Index Fund ETF Shares
-
ME Meta Platforms Inc. 3.48%
Part of fund(s):- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Avantis All Equity Markets ETF
- Avantis® U.S. Equity ETF
- Invesco S&P 500® Momentum ETF
- Vanguard Growth Index Fund ETF Shares
-
AA Apple Inc 2.52%
Part of fund(s):- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Avantis All Equity Markets ETF
- Avantis® U.S. Equity ETF
- Vanguard Growth Index Fund ETF Shares
-
JP JPMorgan Chase & Co 1.88%
Part of fund(s):- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Avantis All Equity Markets ETF
- Avantis® U.S. Equity ETF
- Invesco S&P 500® Momentum ETF
-
MS Microsoft Corporation 1.84%
Part of fund(s):- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Avantis All Equity Markets ETF
- Avantis® U.S. Equity ETF
- Vanguard Growth Index Fund ETF Shares
-
PL Palantir Technologies Inc. 1.52%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Growth Index Fund ETF Shares
-
NF Netflix Inc 1.49%
Part of fund(s):- Avantis All Equity Markets ETF
- Avantis® U.S. Equity ETF
- Invesco S&P 500® Momentum ETF
- Vanguard Growth Index Fund ETF Shares
-
WM Walmart Inc. Common Stock 1.43%
Part of fund(s):- American Century ETF Trust - Avantis U.S. Large Cap Value ETF
- Avantis All Equity Markets ETF
- Avantis® U.S. Equity ETF
- Invesco S&P 500® Momentum ETF
- Top 10 total 28.60%
Looking through all ETFs, several companies show up prominently: NVIDIA at 5.6%, Broadcom, Meta, Apple, Microsoft, JPMorgan, and others. These appear via multiple funds, which quietly increases exposure even if no single ETF position looks extreme. That’s what “hidden concentration” means: the same stock appearing in different wrappers. Bitcoin also shows up both through the dedicated trust and inside another product, reinforcing that theme. Overlap here is probably understated because only top-10 ETF holdings are included. The key takeaway: the portfolio is more tilted toward a handful of large, influential companies and crypto than the top-level fund list might suggest.
Factors
The factor exposure data shows strong tilts to momentum and low volatility, with a meaningful value component. Factors are like “character traits” of investments — momentum favours recent winners, low volatility targets steadier names, and value looks for cheaper companies. A high momentum tilt can boost returns in trending markets but may hurt during sharp reversals when leaders suddenly lag. The low-volatility tilt helps smooth some of those swings, improving risk-adjusted behaviour. Value exposure provides a counterbalance if expensive growth stocks stumble. Coverage isn’t complete across all holdings, so this picture is approximate, but overall it suggests a thoughtfully tilted portfolio rather than a pure market-weighted blend.
Risk contribution
-
Invesco S&P 500® Momentum ETF
Weight: 33.00% 39.3% -
Avantis All Equity Markets ETF
Weight: 23.00% 19.5% -
Vanguard Growth Index Fund ETF Shares
Weight: 16.00% 18.8% -
abrdn Physical Gold Shares ETF
Weight: 23.00% 13.6% -
iShares Bitcoin Trust
Weight: 5.00% 8.9%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its simple weight. The momentum ETF is 33% of assets but contributes about 39% of risk, while the growth ETF at 16% weight adds almost 19% of risk. Bitcoin is only 5% by weight yet contributes nearly 9% of total risk, showing its punchy volatility. Gold, in contrast, is 23% weight but only 13.6% of risk, reflecting its stabilizing role. With the top three holdings driving over 77% of risk, position sizing matters a lot. Small allocation tweaks can significantly change how wild the ride feels.
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 has an expected return of 26.24% with volatility of 15.57% and a Sharpe ratio of 1.56. The Sharpe ratio compares excess return to volatility, like measuring how much “reward” you get per unit of risk. Since the current mix sits below the efficient frontier, there are alternative weightings of these same holdings that could deliver higher expected return or similar return with lower risk. The optimal Sharpe portfolio and the minimum-variance option both score better by this measure. That’s encouraging: without adding new products, carefully reweighting could move you closer to the frontier and improve your overall tradeoff.
Dividends
- Avantis All Equity Markets ETF 1.90%
- Invesco S&P 500® Momentum ETF 0.80%
- Vanguard Growth Index Fund ETF Shares 0.50%
- Weighted yield (per year) 0.78%
The total portfolio yield of around 0.78% is quite low, with the highest-yielding equity ETF still under 2%. That’s typical for growth-oriented and factor-tilted strategies that prioritize capital appreciation over immediate income. Dividends can be an important component of long-term returns, especially for income-focused investors, but here they’re clearly a secondary feature. For someone reinvesting distributions and targeting long-term growth, this is perfectly aligned: lower-yielding companies are often reinvesting profits back into businesses. The main takeaway is that this setup is built for growing portfolio value rather than generating substantial cash flow today.
Ongoing product costs
- Avantis All Equity Markets ETF 0.23%
- iShares Bitcoin Trust 0.12%
- abrdn Physical Gold Shares ETF 0.17%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard Growth Index Fund ETF Shares 0.04%
- Weighted costs total (per year) 0.15%
With a blended total expense ratio (TER) of about 0.15%, costs are impressively low for an active-tilt, multi-asset portfolio. TER is the annual fee charged by funds as a percentage of your investment, similar to a small “membership fee” that quietly subtracts from returns. Keeping this number low matters because those costs compound over decades. Here, you’re getting momentum and factor tilts, broad equity exposure, gold, and crypto access at a cost level that rivals many plain index portfolios. That cost discipline strongly supports better long-term performance and is firmly in line with best practices for efficient, modern portfolio construction.
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