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Growth focused portfolio with leveraged tech exposure and strong value tilt alongside cash and dividend holdings

Report created on May 25, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio is evenly split across five holdings, each at 20%, which makes the structure very clear. Three positions are broad stock funds, one targets dividend‑paying companies, and one is a leveraged product linked to a major growth index. There is also a sizeable allocation to a liquidity fund that behaves more like cash or very short‑term instruments. A 20% slice in a leveraged ETF stands out because it can swing much more than a standard fund with the same weight. The mix combines aggressive growth potential, steady dividend exposure, and a stabilizing cash‑like piece, creating a blend of very different behaviors inside one simple five‑position setup.

Growth Info

From early 2021 to May 2026, $1,000 in this portfolio grew to about $1,925, a compound annual growth rate (CAGR) of 35.22%. CAGR is like your average speed on a long road trip, smoothing out bumps along the way. The US market grew faster at 39.99% a year, while the global market returned 31.32%, so this portfolio sat in between those two references. The largest drop from peak to trough, or max drawdown, was -23.46%, steeper than both benchmarks. That means the ride was bumpier, helped by the leveraged position. Only 13 days made up 90% of total returns, underlining how a small number of big days drove much of the outcome.

Projection Info

The Monte Carlo projection uses thousands of simulated paths based on historical behavior to estimate a range of future outcomes. Think of it as rolling the dice many times to see the spread of possible portfolio values after 15 years, rather than guessing a single number. Here, $1,000 has a median simulated outcome of about $2,644, with most scenarios falling between roughly $1,889 and $3,696. The average annualized return across simulations is 7.24%, noticeably lower than the recent historical CAGR, which reflects the model’s more conservative long‑run expectations. These ranges are not promises; they simply show how wide results can be, reminding that future returns can be very different from the past.

Asset classes Info

  • Stocks
    60%
  • Bonds
    20%
  • No data
    20%

Across asset classes, 60% of this portfolio is in stocks, 20% is in bonds, and another 20% is labeled “No data,” where the underlying type isn’t identified. The 60% stock slice drives most of the growth potential, because equities historically have offered higher long‑term returns but with more ups and downs. The 20% in bonds tends to be steadier, often helping cushion equity swings and adding some income. The mix of growth‑oriented equity exposure with a meaningful non‑equity bucket supports diversification across very different return drivers. Holding distinct asset types can help avoid having everything move in lockstep during market stress, even though it does not eliminate the possibility of losses.

Sectors Info

  • Technology
    19%
  • Financials
    6%
  • Consumer Staples
    6%
  • Health Care
    6%
  • Consumer Discretionary
    5%
  • Industrials
    5%
  • Telecommunications
    5%
  • Energy
    4%
  • Basic Materials
    2%
  • Utilities
    1%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is spread across technology, financials, consumer areas, health care, telecommunications, energy, and more, with technology the largest at 19%. That technology tilt is noticeable but not extreme compared with many broad equity portfolios today. A wide spread across sectors helps reduce the impact if any one part of the economy hits a rough patch. For example, if economically sensitive industries slow, more defensive areas like consumer staples or utilities might offset some of the effect. This allocation is well‑balanced and aligns closely with global standards, which is helpful because sector diversification can matter as much as the number of positions when it comes to managing concentrated business‑cycle risk.

Regions Info

  • North America
    41%
  • No data
    20%
  • Europe Developed
    7%
  • Asia Developed
    3%
  • Japan
    3%
  • Asia Emerging
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, 41% of the portfolio sits in North America, with additional exposure across developed Europe, Japan, developed Asia, emerging Asia, Latin America, and smaller allocations to Australasia and Africa/Middle East. That spread means the portfolio is not tied to a single economy or currency, which can help if one region underperforms or faces specific political or economic shocks. The 20% “No data” bucket is simply unclassified in this view, so its regional split is not visible. Overall, the pattern broadly echoes a global equity allocation tilted toward North America, a structure that has been common in many diversified portfolios over the past decade.

Market capitalization Info

  • Large-cap
    23%
  • Mega-cap
    13%
  • Mid-cap
    8%
  • Small-cap
    1%

This breakdown covers the equity portion of your portfolio only. Some holdings may not have full classification data available. Percentages may not add up to 100%.

On market capitalization, the portfolio leans toward larger companies: 23% in large‑cap, 13% in mega‑cap, 8% in mid‑cap, and 1% in small‑cap based on available data. Large and mega‑cap firms tend to be more established, with deeper markets and more analyst coverage, which can mean more stability and liquidity. Smaller companies, while a small slice here, can behave more erratically but sometimes have higher growth potential. A tilt toward bigger companies often leads to returns that track broad market indices more closely, especially during turbulent periods when investors gravitate toward well‑known names. This structure supports a core‑like feel, with only modest exposure to the more volatile small‑cap segment.

True holdings Info

  • NVIDIA Corporation
    2.14%
    Part of fund(s):
    • ProShares UltraPro QQQ
    • State Street® SPDR® Portfolio S&P 500® ETF
  • Apple Inc
    1.77%
    Part of fund(s):
    • ProShares UltraPro QQQ
    • State Street® SPDR® Portfolio S&P 500® ETF
  • Microsoft Corporation
    1.31%
    Part of fund(s):
    • ProShares UltraPro QQQ
    • State Street® SPDR® Portfolio S&P 500® ETF
  • Texas Instruments Incorporated
    1.16%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • Qualcomm Incorporated
    1.15%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • Amazon.com Inc
    1.15%
    Part of fund(s):
    • ProShares UltraPro QQQ
    • State Street® SPDR® Portfolio S&P 500® ETF
  • UnitedHealth Group Incorporated
    1.03%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • Alphabet Inc Class A
    0.97%
    Part of fund(s):
    • ProShares UltraPro QQQ
    • State Street® SPDR® Portfolio S&P 500® ETF
  • Broadcom Inc
    0.85%
    Part of fund(s):
    • ProShares UltraPro QQQ
    • State Street® SPDR® Portfolio S&P 500® ETF
  • The Coca-Cola Company
    0.82%
    Part of fund(s):
    • Schwab U.S. Dividend Equity ETF
  • Top 10 total 12.34%

This breakdown covers the equity portion of your portfolio only.

Looking through ETF top‑10 holdings, some large names appear repeatedly, including NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Broadcom. These overlap holdings together account for a few percentage points of the total portfolio, even though only a bit over a fifth of assets are covered by this top‑10 data. When the same company shows up in multiple funds, the true exposure to that stock can be higher than it appears from headline fund weights alone. That creates “hidden” concentration, where one company’s fortunes have a bigger combined effect. Because this analysis only uses top‑10 positions, actual overlap may be higher further down each fund’s holdings list.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 20%
Size
Exposure to smaller companies
Very low
Data availability: 80%
Momentum
Exposure to recently outperforming stocks
No data
Data availability: 0%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 80%

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 shows a very high tilt toward value at 85% and a very low tilt to size at 13%. Factors are like the underlying traits that explain why some stocks behave differently from others, such as being cheap, fast‑growing, or low volatility. A strong value tilt means the portfolio leans toward companies trading at lower prices relative to fundamentals like earnings or book value. Historically, value stocks have had periods of both strong catch‑up and prolonged lagging versus growth names. The very low size exposure indicates a preference for larger companies over smaller ones, which can reduce some of the swings associated with small‑cap investing while tying performance more closely to big, established firms.

Risk contribution Info

  • ProShares UltraPro QQQ
    Weight: 20.00%
    50.0%
  • State Street® SPDR® Portfolio S&P 500® ETF
    Weight: 20.00%
    23.6%
  • Schwab U.S. Dividend Equity ETF
    Weight: 20.00%
    16.2%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 20.00%
    10.3%
  • BlackRock Liquidity Funds FedFund Institutional Shares
    Weight: 20.00%
    0.0%

Risk contribution highlights how much each holding drives the portfolio’s overall ups and downs, which can differ a lot from simple weights. The leveraged growth ETF, at 20% of the portfolio, contributes about 50% of total risk, meaning it dominates day‑to‑day volatility. The broad S&P 500 ETF and the dividend ETF together add another roughly 40% of risk, despite being only 40% of assets. In contrast, the liquidity fund has almost zero risk contribution even though it’s 20% by weight. This shows how a single leveraged position can act like a “volume knob” on portfolio swings, and how more stable holdings can materially dampen the combined risk without taking up a large share of the risk budget.

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 shows the current portfolio below the efficient frontier by about 1.8 percentage points at its risk level. The efficient frontier is the curve of the best expected return for each risk level, using only the existing holdings with different weightings. The Sharpe ratio, which measures return per unit of risk above the risk‑free rate, is 1.21 for the current mix versus 1.47 for the optimal combination. That gap suggests the same set of funds could be arranged to aim for a better balance between growth and volatility. Importantly, this is about reweighting what’s already owned, not adding new products, and it’s based on historical data that may not repeat.

Dividends Info

  • Schwab U.S. Dividend Equity ETF 3.30%
  • BlackRock Liquidity Funds FedFund Institutional Shares 0.40%
  • ProShares UltraPro QQQ 0.40%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • State Street® SPDR® Portfolio S&P 500® ETF 1.00%
  • Weighted yield (per year) 1.56%

The overall dividend yield is 1.56%, combining a higher‑yielding dividend ETF at 3.30%, a 2.70% yield from the international fund, and lower yields from the growth‑oriented and cash‑like holdings. Dividend yield is the annual cash paid out as a percentage of the current value, a bit like rental income from a property. Here, a meaningful slice of income comes from the dedicated dividend ETF, while the leveraged growth fund and liquidity position sit at the low end. For a growth‑tilted portfolio, a 1‑2% yield is fairly typical and suggests most of the return expectation is from price movement rather than income, especially given the presence of a leveraged equity component.

Ongoing product costs Info

  • Schwab U.S. Dividend Equity ETF 0.06%
  • BlackRock Liquidity Funds FedFund Institutional Shares 0.17%
  • ProShares UltraPro QQQ 0.88%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.23%

Total ongoing charges, or TER, average around 0.23%, which is low by industry standards for a multi‑fund portfolio. TER is the annual fee taken by each fund to cover management and operating costs, and it quietly reduces returns over time, much like a small yearly service charge on an account. Most holdings here are low‑cost index or rules‑based funds, with the main outlier being the leveraged ETF at 0.88%. The low blended cost is a strength, because even fractions of a percent can compound into a significant difference over long periods. This cost profile supports better long‑term performance by letting more of the portfolio’s gross returns stay in the investor’s pocket.

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