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A pretty good portfolio wearing three different copies of the same outfit for no clear reason

Report created on Apr 1, 2026

Risk 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

This portfolio looks like someone tried to build “the entire market” and then couldn’t stop adding extra toppings. You’ve got total world, total international, S&P 500, QQQ, Mag 7, dividend stuff, value, growth, small cap, mid cap, defense tech… all at once. It’s not diversification, it’s a crowded group project where everyone brought the same PowerPoint template. Structurally, it’s 16 line items that mostly point back to the same giants. The overall shape is fine; the redundancy is not. Takeaway: a smaller set of broad funds could likely give almost the same exposure with less overlap and a lot less mental clutter.

Growth Info

Historically, this thing has absolutely ripped: $1,000 to $1,559 in about 2.5 years, a 19.2% CAGR. CAGR (compound annual growth rate) is basically your “average speed” over the trip, potholes included. You even beat the US market and global market by around 2.7–2.8% per year. Max drawdown of -13.47% is tame compared to the benchmarks’ -18% plus, so you went faster with slightly fewer stomach drops. But this is a tiny time window during a mega-cap tech party. Past data is yesterday’s weather: useful, not prophetic. Don’t assume “19% forever” unless you also believe summer lasts all year.

Projection Info

The Monte Carlo projection is the financial equivalent of running 1,000 alternate timelines and seeing how your money ends up. Median outcome: $1,000 grows to about $2,629 in 15 years, roughly 7.5% a year. Not bad, not insane, just solid “grown-up investing.” But that p5–p95 range from $986 to $6,476 reminds you the future does not care about your spreadsheet. In some scenarios you barely break even; in others you’re popping champagne. Simulations are basically advanced guesswork powered by history; they don’t know about the next war, bubble, or regulation. Takeaway: plan for a range, not a single magic number.

Asset classes Info

  • Stocks
    90%
  • Bonds
    10%

Asset allocation: 90% stocks, 10% bonds. For something labeled “Balanced,” this is more “energetic teenager” than “middle-aged responsible adult.” You’ve given bonds a tiny 10% corner like they’re in timeout. That’s fine if you genuinely like volatility, but let’s not pretend this is a sleepy, conservative mix. Bonds are the seatbelt that keeps crashes survivable; you’ve basically buckled just one shoulder strap. Takeaway: the risk score of 4/7 feels about right — this is growth-focused with a token nod to safety, not a genuine half-and-half peace treaty between stocks and bonds.

Sectors Info

  • Industrials
    19%
  • Technology
    19%
  • Financials
    11%
  • Health Care
    8%
  • Consumer Discretionary
    7%
  • Consumer Staples
    5%
  • Telecommunications
    5%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, you’re basically dating two people at once: technology and industrials are tied at ~19% each. Tech plus Mag 7 plus QQQ means you’re heavily wired into anything that lives on a chip or in the cloud. Industrials plus defense tech gives you a solid “things that go boom or move stuff” tilt. Financials, healthcare, and consumer areas are all present but not driving. The result is a portfolio that will love innovation cycles and capital spending booms, but it’s not exactly chill if those areas cool down. Takeaway: you’ve picked the exciting parts of the economy, not the boring, sleep-well-at-night ones.

Regions Info

  • North America
    53%
  • Europe Developed
    18%
  • Japan
    6%
  • Asia Developed
    3%
  • Asia Emerging
    2%
  • Australasia
    2%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, this is shockingly reasonable for such a chaotic fund lineup. About 53% in North America, with decent chunks in developed Europe and Japan, plus small slices in the rest of the world. So while your fund list looks like an overcaffeinated ETF buffet, the net result is roughly “global with a US tilt,” which is what many broad indexes already do. That’s almost… sensible. Takeaway: you’re not doing the classic “everything in the home country and nothing else” mistake. For a portfolio that loves duplicate US funds, the international allocation is surprisingly grown-up.

Market capitalization Info

  • Mega-cap
    32%
  • Large-cap
    30%
  • Mid-cap
    12%
  • Small-cap
    8%
  • Micro-cap
    3%

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%.

Market cap exposure is mostly mega and large cap (about 62%), with a side dish of mid and small caps, and a tiny sprinkle of micro. Translation: most of your money is in the giants everyone’s heard of, plus just enough smaller stuff to say “I like diversification” without fully committing to it. This tilt makes you move largely in sync with mainstream stock markets — no huge surprise outperformance from tiny companies, but also fewer “down 40% overnight” horror stories. It’s a pretty standard big-company bias, just delivered via way too many overlapping vehicles.

True holdings Info

  • NVIDIA Corporation
    2.57%
    Part of fund(s):
    • Invesco QQQ Trust
    • Roundhill Magnificent Seven ETF
    • Vanguard S&P 500 ETF
    • Vanguard S&P 500 Growth Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
  • Apple Inc
    2.22%
    Part of fund(s):
    • Invesco QQQ Trust
    • Roundhill Magnificent Seven ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard S&P 500 Growth Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
  • Microsoft Corporation
    1.95%
    Part of fund(s):
    • Invesco QQQ Trust
    • Roundhill Magnificent Seven ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard S&P 500 Growth Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
  • Amazon.com Inc
    1.24%
    Part of fund(s):
    • Invesco QQQ Trust
    • Roundhill Magnificent Seven ETF
    • Vanguard S&P 500 ETF
    • Vanguard S&P 500 Growth Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
  • Alphabet Inc Class A
    1.14%
    Part of fund(s):
    • Invesco QQQ Trust
    • Roundhill Magnificent Seven ETF
    • Vanguard S&P 500 ETF
    • Vanguard S&P 500 Growth Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
  • Broadcom Inc
    1.11%
    Part of fund(s):
    • Invesco QQQ Trust
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard S&P 500 Growth Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
  • Meta Platforms Inc.
    1.07%
    Part of fund(s):
    • Invesco QQQ Trust
    • Roundhill Magnificent Seven ETF
    • Vanguard S&P 500 ETF
    • Vanguard S&P 500 Growth Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
  • Lockheed Martin Corporation
    0.94%
    Part of fund(s):
    • Global X Defense Tech ETF
  • Tesla Inc
    0.82%
    Part of fund(s):
    • Invesco QQQ Trust
    • LS 1x Tesla Tracker ETP Securities GBP
    • Roundhill Magnificent Seven ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Alphabet Inc Class C
    0.81%
    Part of fund(s):
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard S&P 500 Growth Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
  • Top 10 total 13.86%

The look-through holdings scream “I love the same ten stocks in as many wrappers as possible.” Nvidia, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, Broadcom… you’ve basically built a shrine to the usual suspects via QQQ, S&P 500, Mag 7, total world, and friends. Hidden overlap means your “16-fund portfolio” behaves a lot more like a concentrated megacap tech bet with extra steps. And keep in mind, this is only using top-10 ETF holdings — the real overlap is probably higher. Takeaway: if the same names keep showing up, you’re not diversified, you’re just paying multiple funds to worship the same celebrities.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 80%
Size
Exposure to smaller companies
Neutral
Data availability: 95%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 80%
Quality
Preference for financially healthy companies
Neutral
Data availability: 80%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 90%

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 is hilariously normal for such an overdesigned portfolio. Value, size, momentum, quality, yield, low volatility — all hovering around neutral, basically like a broad market index. Factors are the hidden ingredients (cheap vs expensive, big vs small, trendy vs forgotten) that explain why portfolios behave differently. Here, you somehow loaded up QQQ, Mag 7, dividend funds, small cap value… and ended up with a very average stew. It’s almost impressive: all that complexity just to land where a simple single global fund might have gotten you anyway. At least it should handle different regimes without doing anything too dramatic.

Risk contribution Info

  • Invesco QQQ Trust
    Weight: 10.00%
    13.6%
  • iShares MSCI EAFE Growth ETF
    Weight: 10.00%
    11.1%
  • Vanguard Total World Stock Index Fund ETF Shares
    Weight: 10.00%
    10.7%
  • Global X Defense Tech ETF
    Weight: 10.00%
    9.7%
  • Roundhill Magnificent Seven ETF
    Weight: 5.00%
    8.1%
  • Top 5 risk contribution 53.2%

Risk contribution is where we see who’s actually driving the rollercoaster, not just who looks big on paper. QQQ is 10% of the weight but 13.6% of the risk — the noisy kid in class. Mag 7 is only 5% weight but a hefty 8.1% of risk, doing 1.6x its “fair share.” The top three holdings (QQQ, EAFE Growth, Total World) make up just 30% of the portfolio but over 35% of the risk. Takeaway: if market darlings stumble, they’ll yank your returns harder than their weights suggest. Trimming the loudest risk hogs would change your ride more than adding another random ETF.

Redundant positions Info

  • iShares MSCI EAFE Growth ETF
    Vanguard Total International Stock Index Fund ETF Shares
    High correlation
  • Vanguard Total World Stock Index Fund ETF Shares
    Invesco QQQ Trust
    Vanguard S&P 500 ETF
    Vanguard S&P 500 Growth Index Fund ETF Shares
    High correlation

Your correlated assets list is basically a roster of “different tickers, same behavior.” QQQ, S&P 500, S&P 500 Growth, Total World… these are all highly synced, so when one jumps off a cliff, the others are right behind it holding hands. Same story with EAFE Growth and Total International — owning both is like buying two tickets to the same movie. Correlation just means things move together; in a crash, none of these cousins are coming to save the others. Takeaway: if you expect these overlapping funds to protect each other in bad times, that’s wishful thinking dressed up as diversification.

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 absolutely roasted this build. Your portfolio’s Sharpe ratio is 1.02, while an optimal mix using the same ingredients hits 2.12 — more than double the risk-adjusted return. You’re also sitting 12.22 percentage points below the frontier at your current risk level, which is like running a marathon with ankle weights for no training benefit. The minimum-variance version even manages a slightly better Sharpe than you with way less risk. Translation: the parts are fine, the assembly is meh. Takeaway: even without adding new funds, simply reweighting what you already own could give you a smoother, more efficient ride.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.40%
  • Vanguard Total Bond Market Index Fund ETF Shares 3.90%
  • Vanguard Total International Bond Index Fund ETF Shares 4.40%
  • iShares MSCI EAFE Growth ETF 2.60%
  • iShares MSCI EAFE Value ETF 4.00%
  • iShares Core S&P Mid-Cap ETF 1.30%
  • Invesco QQQ Trust 0.50%
  • Schwab U.S. Dividend Equity ETF 3.40%
  • Global X Defense Tech ETF 0.30%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 1.60%
  • Vanguard International Dividend Appreciation Index Fund ETF Shares 2.30%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard S&P 500 Growth Index Fund ETF Shares 0.50%
  • Vanguard Total World Stock Index Fund ETF Shares 1.80%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • Roundhill Magnificent Seven ETF 1.70%
  • Weighted yield (per year) 1.96%

Total yield is about 1.96%, which is “nice pocket money,” not “pay the bills” territory. You’ve got some legit dividend-oriented funds in the mix, but they’re diluted by growth-heavy stuff like QQQ and Mag 7 that treat dividends like a rounding error. The bonds and value slices help bump the income a bit, but this is clearly a growth-first, yield-second setup. Nothing wrong with that, just don’t pretend this is a cash-flow machine. Takeaway: this portfolio suits someone more excited about growing the pie than slicing regular income from it today.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Bond Index Fund ETF Shares 0.07%
  • iShares MSCI EAFE Growth ETF 0.36%
  • iShares MSCI EAFE Value ETF 0.34%
  • iShares Core S&P Mid-Cap ETF 0.05%
  • Invesco QQQ Trust 0.20%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Global X Defense Tech ETF 0.50%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 0.06%
  • Vanguard International Dividend Appreciation Index Fund ETF Shares 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard S&P 500 Growth Index Fund ETF Shares 0.10%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Roundhill Magnificent Seven ETF 0.29%
  • Weighted costs total (per year) 0.19%

Total TER of 0.19% is actually respectable, especially given how many shiny toys you’ve crammed in here. You’re paying a modest blended fee despite throwing in a 0.50% defense tech ETF and a 0.29% Mag 7 product for flavor. The cheap Vanguard and Schwab funds are doing a lot of quiet heavy lifting to offset your more “because it’s cool” choices. Still, several funds overlap so much that you’re basically paying extra to own the same big names twice. Takeaway: fees are under control, but you could likely shave them further by cutting redundant wrappers without losing meaningful exposure.

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