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A high-octane momentum chase with a side of small-cap spice and no safety net

Report created on Oct 28, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification
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Positions

This portfolio is like a sports car that's all engine and no brakes. Half of it is parked in a single ETF tracking the S&P 500 Momentum, which is like betting half your wealth on the fastest horses, except these horses are stocks. The rest is scattered across international, small-cap, and mid-cap with a lean towards more momentum. It's diversified, sure, in the same way a diet consisting of different types of fast food is considered 'varied.'

Growth Info

Historically, this portfolio has been sprinting like Usain Bolt with an 18.90% CAGR. But remember, even Bolt has to slow down sometime. With a max drawdown of -33.76%, it's clear this portfolio doesn't like to take things easy. It’s like enjoying a rollercoaster ride until you realize you're not strapped in. Those 25 days contributing to 90% of returns? That's not investing; that's playing financial roulette.

Projection Info

Monte Carlo simulations suggest that this portfolio might either take you to the moon or leave you stranded. With outcomes ranging from a 66.4% increase to a 646.7% increase at the median, it’s clear there’s potential. But remember, Monte Carlo is like predicting weather in London; you know it’s going to rain, but you're never quite sure when. Betting on these projections without a plan B is like using a map from the 1800s for a road trip.

Asset classes Info

  • Stocks
    100%

With 100% in stocks, this portfolio is like a diet of only red meat — thrilling but eventually, your heart's going to have questions. There's no balance here, no bonds to act as the portfolio's vegetables, no real estate or commodities to add some dietary fiber. It's all in on growth, which is fine until the market decides to serve a reality check.

Sectors Info

  • Financials
    24%
  • Technology
    22%
  • Industrials
    16%
  • Telecommunications
    10%
  • Consumer Discretionary
    7%
  • Consumer Staples
    6%
  • Energy
    4%
  • Basic Materials
    4%
  • Utilities
    4%
  • Health Care
    3%
  • Real Estate
    1%

The sector spread is like someone tried to make a balanced meal but ended up with mostly carbs and protein. Heavy on financial services and technology, it's like banking on Silicon Valley and Wall Street without considering the rest of the economic city. A little more greens (utilities and healthcare) wouldn't hurt to make this less of a feast-or-famine setup.

Regions Info

  • North America
    74%
  • Europe Developed
    15%
  • Japan
    6%
  • Australasia
    2%
  • Asia Developed
    1%
  • Africa/Middle East
    1%

With a 74% allocation to North America, this portfolio is like insisting that the world ends at the US border. The modest nod to international markets is like saying you're adventurous because you once tried sushi. Expanding the geographical palate could reduce the risk of indigestion when the US market hits turbulence.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    28%
  • Mid-cap
    18%
  • Small-cap
    13%
  • Micro-cap
    5%

The market cap allocation is like someone mixed together both premium and budget ingredients but forgot to check the recipe. The tilt towards mega and big caps, with a dash of small and micro, suggests a belief in 'go big or go home' but with a side bet on 'David vs. Goliath.' It's a confusing mix that lacks a clear strategy or understanding of risk.

Redundant positions Info

  • iShares MSCI Intl Momentum Factor ETF
    Invesco S&P International Developed Momentum ETF
    High correlation

The high correlation between the international momentum ETFs is like buying two different brands of the same flavored chips and expecting a different taste. It’s a diversification faux pas that adds unnecessary clutter without real benefit. Streamlining here would be like cleaning out your junk drawer; suddenly, everything makes more sense.

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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Before optimization, this portfolio really needs to address its love affair with highly correlated assets. It’s like having a team where everyone is a quarterback; sure, they can throw, but who's going to catch? Reducing overlap would not only streamline the strategy but also enhance diversification, making for a more resilient setup against market volatility.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.40%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Invesco S&P International Developed Momentum ETF 1.70%
  • iShares MSCI Intl Momentum Factor ETF 2.30%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Invesco S&P MidCap Momentum ETF 0.70%
  • Weighted yield (per year) 1.28%

The dividend yield strategy here is like expecting a lemonade stand to pay your mortgage. With an overall yield of 1.28%, it's clear that income is not the goal. This portfolio is all about growth, which is fine until you're thirsty for some cash flow in a dry market.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • iShares MSCI Intl Momentum Factor ETF 0.30%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.22%

Costs are surprisingly under control, like finding a designer dress at a thrift store price. With a total expense ratio of 0.22%, it's one of the few areas where this portfolio doesn't go overboard. It’s like a glimmer of financial prudence in an otherwise wild spending spree.

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