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A growth portfolio trying to be clever with factors but mostly just crowding into the same stuff

Report created on Jan 3, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This setup looks like someone took a perfectly good three-fund portfolio and then panic-bought every smart-sounding ETF on the menu. You’ve basically got a core of broad US and developed markets, then layered on small-cap, mid-cap, growth, momentum, and two different “quality” funds that all mostly fish in the same US large-cap pond. It’s like putting five kinds of ketchup on one plate and calling it a buffet. The structure isn’t terrible, but it’s busy for no real gain. A leaner mix of true building blocks with fewer lookalike US equity funds would likely keep the character while cutting the clutter.

Growth Info

Historically, this thing has been on rocket fuel: a 16.22% CAGR is wild. CAGR — Compound Annual Growth Rate — is just “what was your average yearly speed from start to finish.” Nice… but don’t get attached. A max drawdown of -34.55% is the hangover behind the party, meaning at some point a $100k stack looked like $65k and change. Also, 90% of returns coming from just 32 days is a harsh reminder that timing the market is basically a clown game. Versus common US benchmarks, this looks like a slightly juiced-up growth tilt. Treat that track record as “interesting history,” not a guarantee, because markets don’t repeat on command.

Projection Info

Monte Carlo simulation — think “1,000 fake futures rolled by a nerdy dice-throwing computer” — loves this portfolio on paper. Median outcome of 710% and an average annualized return of 18.66% is fantasy-football good. Even the 5th percentile ending at 119.2% says, “You probably don’t lose, just maybe don’t win big.” But simulations depend heavily on past returns and volatility; if those were abnormally kind (hello decade of easy money), the model is basically extrapolating yesterday’s great weather into next decade. Use these projections as guardrails, not prophecy. It’s smart to sanity-check: “Would I still sleep if returns were half that and drawdowns were worse?”

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Asset class breakdown: 99% stocks, 1% cash, and 0% chill. This is unapologetically an equity rocket, not a balanced portfolio. That can make sense for long horizons but let’s not pretend this is “moderate” anything. When stocks party, you win big. When they don’t, you eat the full downturn with almost no cushion. Bonds, real assets, or even a slightly higher cash buffer can act like seatbelts — boring until you crash. As is, this setup works only if the plan is long-term growth and the owner can handle violent swings without panic-selling at the worst time. Otherwise, it’s bravado dressed as strategy.

Sectors Info

  • Technology
    27%
  • Financials
    16%
  • Industrials
    13%
  • Consumer Discretionary
    10%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Basic Materials
    3%
  • Energy
    3%
  • Real Estate
    3%
  • Utilities
    3%

Sector mix screams “US large-cap index with a bit of seasoning.” Tech at 27% is definitely running the show, with financials, industrials, and consumer cyclicals trailing behind. So yes, the classic “tech addiction detected,” just in an index-flavored way instead of single-stock YOLO. It’s not absurdly off from a typical broad US index, but between S&P 500, growth, and momentum tilts, you’re basically triple-dipping the same sector bets. If tech and growthy names stumble, multiple pieces of this portfolio get punched together. Trimming the extra growth/momentum layers and letting broader funds drive the exposure would keep risk more controlled without trying to out-clever the index.

Regions Info

  • North America
    72%
  • Europe Developed
    13%
  • Japan
    5%
  • Asia Developed
    3%
  • Asia Emerging
    3%
  • Australasia
    2%
  • Africa/Middle East
    1%

Geographically, this is very “America or bust apparently,” with 72% in North America and the rest sprinkled politely over developed and emerging markets. For a US-based investor, home bias like this is common, but it’s still a bet that US dominance continues forever. The 13% Europe developed and small chunks in Japan, Asia developed, and emerging markets do rescue it from being completely one-eyed, though. The international slice is big enough to matter but small enough that a nasty US bear market will still run the show. Pushing non-US exposure a bit higher — without overdoing exotic regions — could smooth the ride and reduce single-country ego.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    30%
  • Mid-cap
    19%
  • Small-cap
    10%
  • Micro-cap
    1%

Market cap spread is actually one of the more reasonable parts: 39% mega, 30% big, 19% mid, 10% small, and a token 1% micro. That’s basically “cap-weighted with a slight spice.” Nothing insane, but all your fancy mid-cap and small-cap ETFs are mostly just tweaking what a total-market fund would already give you. You’ve added complexity without a clearly different personality. Mid and small caps can boost long-term growth but also crank up the bumpiness. If the goal is simplicity and clarity, fewer overlapping funds that still cover the whole size spectrum cleanly would beat this “too many cooks in the kitchen” approach.

Redundant positions Info

  • Vanguard Small-Cap Index Fund ETF Shares
    iShares Core S&P Mid-Cap ETF
    High correlation
  • Vanguard S&P 500 ETF
    Invesco S&P 500® Quality ETF
    iShares MSCI USA Quality Factor ETF
    Schwab U.S. Large-Cap Growth ETF
    High correlation

Correlation — how often things move together — here is screaming, “Why did you buy three versions of the same thing?” Your S&P 500, growth, and quality ETFs are highly correlated; they all largely chase US large-cap stocks, just with slightly different buzzwords. Same story with small-cap and mid-cap: closely linked, not magical diversifiers. In a real crash, these don’t protect each other; they just hold hands and fall together. The point of diversification is owning things that behave differently, not wearing five nearly identical T-shirts. Cutting redundant, highly correlated slices and focusing on truly distinct exposures would make the mix smarter, not weaker.

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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From a risk–return angle, this setup is like someone aiming for the Efficient Frontier but stopping halfway to admire factor buzzwords. Efficient Frontier is just “best mix of risk and return for what you’re willing to stomach.” You’ve loaded up on aggressive assets with some slightly fancy tilts, but the overlapping, highly correlated funds mean you’re not getting full diversification benefits for the risk you’re taking. You’re paying in stress for returns you could get with fewer, simpler holdings. Tightening the number of equity funds and adding at least a token stabilizer asset could push you closer to a cleaner, more efficient growth profile.

Dividends Info

  • iShares Core S&P Mid-Cap ETF 1.30%
  • iShares MSCI USA Quality Factor ETF 0.90%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Invesco S&P 500® Quality ETF 1.10%
  • Invesco S&P 500® Momentum ETF 0.70%
  • Vanguard Small-Cap Index Fund ETF Shares 1.30%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 3.20%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.66%

A total yield of 1.66% is firmly in the “we’re here for growth, not a paycheck” zone. The developed and emerging markets funds bring the most income, while growth, momentum, and quality are more about price gains than cash in hand. Nothing wrong with that if the goal is long-term compounding, but anyone dreaming of living off this yield alone will be disappointed fast. Also, chasing yield for its own sake can backfire; higher yield often means slower growth or shakier companies. If income ever becomes a real priority, the entire structure would need rethinking, not just sprinkling in a random “high dividend” ticker.

Ongoing product costs Info

  • iShares Core S&P Mid-Cap ETF 0.05%
  • iShares MSCI USA Quality Factor ETF 0.15%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Invesco S&P 500® Quality ETF 0.15%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Small-Cap Index Fund ETF Shares 0.05%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Weighted costs total (per year) 0.06%

Costs are the one area where this portfolio looks like it actually read a finance book. A 0.06% total TER is impressively low — you must have clicked the right ETFs by accident. That said, even cheap overlapping funds are still unnecessary. You’re paying tiny fees many times instead of tiny fees fewer times, which is more hassle than harm but still pointless. Fees are not the villain here; structure is. Keeping the low-cost habit but streamlining the number of vehicles would keep expenses microscopic while making it easier to actually understand what you own and why. Cheap clutter is still clutter.

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