US heavy growth tilted portfolio with crypto slice and efficient risk adjusted equity exposure

Report created on May 26, 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 a concentrated, equity‑heavy mix with a clear US tilt and a small crypto sleeve. About 85% sits in broad US and international stock index ETFs, 10% in a focused US small-cap value ETF, and 5% in a bitcoin trust. That structure makes stocks the main driver of results, with crypto as a higher‑volatility satellite. Knowing the basic layout matters because it sets expectations: most ups and downs will come from stock markets, especially the US. The mix combines wide market exposure with a few targeted tilts, which helps explain why performance and risk sit close to broad US benchmarks rather than being wildly different.

Growth Info

Over the period shown, $1,000 grew to about $1,614, giving a compound annual growth rate (CAGR) of 22.56%. CAGR is like your average speed on a road trip, smoothing out bumps to show the typical yearly gain. That slightly beats both the US market and global market benchmarks, with only marginally higher drawdowns than the US index and somewhat deeper than the global one. The largest drop was about -18.8%, taking two months to fall and two to recover, which is sharp but in line with equity risk. The fact that 90% of returns came from just 17 days highlights how a handful of strong days can heavily shape long‑term results.

Projection Info

The Monte Carlo projection runs 1,000 simulations of future 15‑year paths based on historical behavior, then shows the spread of possible outcomes. Think of it as rolling the dice many times using past volatility and correlations as a guide. The median result grows $1,000 to around $2,882, with a “likely” middle band from roughly $1,901 to $4,370. There’s also a wide tail from about $1,027 to $8,075, showing both downside and upside uncertainty. The average simulated annual return of 8.38% is much lower than recent history, underlining that past strong performance doesn’t guarantee similar future results and that outcomes can vary a lot.

Asset classes Info

  • Stocks
    95%
  • Crypto
    5%

Asset‑class wise, the portfolio is very straightforward: 95% in stocks and 5% in crypto, with no explicit bonds or cash. Stocks are growth assets, typically offering higher long‑term return potential but with larger swings, while crypto tends to be even more volatile and more speculative. This kind of mix naturally leans toward growth and away from stability. Compared with “balanced” mixes that often include sizable bonds, this structure will likely move more with equity markets. The benefit is clear participation in global growth; the trade‑off is that there’s little built‑in ballast when risk assets fall together, so short‑term fluctuations can be pronounced.

Sectors Info

  • Technology
    32%
  • Financials
    12%
  • Consumer Discretionary
    10%
  • Telecommunications
    9%
  • Industrials
    9%
  • Health Care
    7%
  • Crypto
    5%
  • Consumer Staples
    5%
  • Energy
    5%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is meaningfully tilted toward technology at 32%, with the rest spread across financials, consumer, telecom, industrials, health care, staples, energy, and smaller slices like utilities and real estate. A tech‑heavy profile often benefits when innovation‑driven companies are leading markets, but can feel sharper moves when interest rates rise or sentiment turns against growth stories. Crypto is tracked separately at 5%, adding another return driver that doesn’t fit traditional sectors. Overall, this sector mix lines up reasonably well with modern equity benchmarks that have become more tech‑dominant, which is a positive sign for broad economic representation while still showing a notable growth flavor.

Regions Info

  • North America
    81%
  • Europe Developed
    6%
  • Asia Developed
    2%
  • Japan
    2%
  • Asia Emerging
    2%
  • Australasia
    1%
  • Latin America
    1%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 81% of equity exposure is in North America, with relatively small slices across Europe, Japan, developed Asia, emerging Asia, Latin America, Australasia, and Africa/Middle East. This is a strong US tilt compared with global market weights, where the US is big but not this dominant. A high US share has worked well in recent years as US mega‑caps led returns, and that alignment has likely helped the portfolio outperform global benchmarks. The trade‑off is that economic, policy, or currency shocks focused on the US will influence most of the portfolio at once, while non‑US markets play more of a supporting role.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    29%
  • Mid-cap
    14%
  • Small-cap
    6%
  • Micro-cap
    5%

This breakdown covers the equity portion of your portfolio only.

By market cap, the portfolio leans toward larger companies: 40% mega‑cap, 29% large‑cap, 14% mid‑cap, with about 11% between small and micro‑cap. Large and mega‑caps tend to be more established, often with steadier earnings and deeper trading markets, which can help with liquidity and slightly smoother behavior versus very small companies. The targeted small‑cap value ETF brings in more of the smaller‑company universe, adding diversification and a different return pattern from the big names that dominate major indexes. This balance between giants and smaller firms is broadly consistent with global equity benchmarks, giving a good spread across company sizes while still being big‑cap anchored.

True holdings Info

  • NVIDIA Corporation
    5.63%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Grayscale Bitcoin Mini Trust (BTC)
    5.00%
    Part of fund(s):
    • iShares Bitcoin Trust
  • Apple Inc
    4.65%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    3.46%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    3.01%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    2.55%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    2.24%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    2.10%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Tesla Inc
    1.47%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
  • Meta Platforms Inc.
    1.19%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Top 10 total 31.31%

This breakdown covers the equity portion of your portfolio only.

Looking through the ETFs’ top holdings, a handful of big names show up repeatedly: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Tesla, and Meta together form a sizeable slice of the look‑through exposure. This overlap is normal for portfolios built around broad US and Nasdaq‑style funds, but it does mean a lot of performance is tied to a relatively small group of large, tech‑related companies. Because only ETF top‑10 holdings are used, actual overlap is likely somewhat higher than shown. Hidden concentration like this doesn’t show in the fund list but does influence how much a few companies can drive overall portfolio returns.

Factors Info

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

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 strikingly balanced: value, size, momentum, quality, yield, and low volatility all sit in the neutral band around 50%. Factors are like investing “ingredients” — characteristics that research links to long‑run returns, such as cheaper valuations (value) or stable earnings (quality). A neutral reading means the portfolio behaves a lot like the broad market rather than making big bets on any one factor style. That’s consistent with the heavy use of broad index ETFs plus a single small‑cap value fund. This well‑balanced factor profile helps explain why risk and return have tracked closely to the overall US market rather than diverging dramatically.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 55.00%
    51.5%
  • Invesco NASDAQ 100 ETF
    Weight: 15.00%
    17.8%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 15.00%
    11.7%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 10.00%
    10.5%
  • iShares Bitcoin Trust
    Weight: 5.00%
    8.5%

Risk contribution shows how much each holding drives the portfolio’s overall volatility, which can differ from its weight. Here, the S&P 500 ETF is 55% of assets and contributes about 51% of risk, so it pulls roughly its “fair share” of ups and downs. The Nasdaq 100 ETF at 15% weight drives nearly 18% of risk, reflecting its growth and tech focus. The bitcoin trust is only 5% of the portfolio yet contributes over 8.5% of total risk, highlighting how volatile it is. Overall, the top three positions generate over 80% of risk, which is typical for a concentrated core‑satellite equity structure.

Redundant positions Info

  • Invesco NASDAQ 100 ETF
    Vanguard S&P 500 ETF
    High correlation

Correlation measures how assets move together: a value close to 1 means they often rise and fall in tandem. The S&P 500 and Nasdaq 100 ETFs are flagged as highly correlated, which makes sense given their overlapping large US growth names. This means that, during big market moves, those two funds are likely to reinforce each other rather than offsetting one another. That doesn’t make them “bad diversifiers,” but it does limit how much they can smooth the ride against each other. Most diversification benefits here instead come from international stocks, small‑cap value, and the separate behavior of crypto, rather than from differences between the two US core funds.

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 sitting on or very near the efficient frontier. The efficient frontier is the curve of best possible return for each risk level using the existing holdings in different mixes. With a Sharpe ratio of 1.13, the current portfolio already has strong risk‑adjusted returns, though the optimal and minimum‑variance mixes show slightly higher Sharpe values at similar or lower risk. That gap is small, which means the current weightings are already doing a good job of turning the chosen building blocks into an efficient combination, without obvious signs of wasted risk relative to what’s achievable using just these same funds.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Invesco NASDAQ 100 ETF 0.40%
  • Vanguard S&P 500 ETF 1.00%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.14%

The portfolio’s overall dividend yield is about 1.14%, coming mainly from the international fund and the small‑cap value ETF, with lower yields from the US mega‑cap growth exposure. Dividend yield is the annual cash payouts as a percentage of the investment, like interest on a bank account but for stocks. Here, income plays a smaller role; most of the expected return is from price changes rather than steady cash flow. This is typical of growth‑oriented portfolios where many companies reinvest profits instead of paying high dividends. It also means that total return will be more sensitive to market moves than to regular income streams.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares Bitcoin Trust 0.12%
  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.08%

Total ongoing costs are low, with a blended total expense ratio (TER) of about 0.08% across the ETFs and the bitcoin trust. TER is the annual fee charged by a fund, silently deducted from its assets, like a small management toll. The largest positions use very low‑cost index funds, which helps keep the overall fee level impressively lean. Over long horizons, even a few tenths of a percent in annual costs can add up, so starting from such a low base is a structural strength of this portfolio. It means more of any future returns stay in the portfolio instead of going to fund providers each year.

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