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A growth portfolio cosplaying as diversified while mainlining US momentum and semiconductors

Report created on Feb 4, 2026

Risk profile Info

5/7
Growth
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Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

This setup is basically "S&P 500 with extra S&P 500 and a side of semis." Around 80% is large‑cap US growth-ish exposure, then you bolt on small-cap value and a dedicated semiconductor rocket booster. For a “growth” profile, fine, but don’t pretend this is some artfully balanced mix. It’s like ordering three versions of the same burger and calling it a tasting menu. The structure leans very hard into one economic story: US large-cap success plus tech staying on top. To level this out, consider adding something that actually behaves differently: broader small caps, real international, and maybe a boring stabilizer like high‑quality bonds.

Growth Info

That 20.4% CAGR is eye‑watering. CAGR (Compound Annual Growth Rate) is basically “what if your crazy ride looked smooth on paper.” Starting with $10,000, you’d hypothetically be near $25,000 in five years with that pace, easily ahead of a plain S&P 500 that might sit more in the low-to-mid teens historically. But here’s the catch: those returns came with a -33.7% max drawdown, meaning at some point you watched a third of the value vanish. Past data is like bragging about last season’s fantasy team: entertaining, not guaranteed repeatable. Treat this performance as a bonus, not a baseline promise.

Projection Info

Monte Carlo simulations are like running your portfolio through 1,000 alternate timelines: some great, some ugly, most in-between. Here, the median outcome of ~1,534% suggests the “middle” path multiplies money a lot, and even the 5th percentile at ~197% is decent. The model basically says, “Yeah, this thing usually works,” with 994 out of 1,000 runs positive and a wild 25.5% average annual return. But simulations are only as honest as the assumptions: they recycle the past with some randomness. If future volatility or returns are worse than history, these numbers go from heroic to hilarious. Use them as a vibe check, not a promise.

Asset classes Info

  • Stocks
    55%

The asset class story is brutally simple: 55% stocks, 0% cash, and effectively 0% of anything else. This screams “all gas, no brakes.” For a growth tilt, that’s understandable, but calling this low diversity is generous; it’s equity maximalism with nothing to cushion a real crisis. When stocks tank, this entire thing is going down together like a synchronized diving team. Over decades, being heavily in stocks can be smart, but humans have emotions, and emotions hate -40% portfolio drops. Think about whether some ballast—like high‑quality bonds or other defensive assets—would keep you from rage‑quitting in the next bad year.

Sectors Info

  • Technology
    23%
  • Financials
    10%
  • Industrials
    5%
  • Telecommunications
    5%
  • Consumer Discretionary
    4%
  • Consumer Staples
    3%
  • Energy
    2%
  • Health Care
    1%
  • Utilities
    1%
  • Basic Materials
    1%
  • Real Estate
    1%

Tech at 23% plus a semiconductor ETF on top is basically saying, “I believe chips are life.” Then you have lighter splashes of financials, industrials, communications, and a token presence in almost everything else. Compared to a broad index, you’re more tilted to high‑beta, economically sensitive sectors and underbuilt in the sleepy stuff like utilities, real estate, and healthcare. Fun when growth is loved, nasty when the market decides it wants stable cash flow and boring dividends instead. To avoid waking up in a world where semis and mega‑tech get wrecked together, consider spreading sector bets so no single economic theme can blow up the whole party.

Regions Info

  • North America
    53%
  • Asia Developed
    1%
  • Europe Developed
    1%

Geographically, this is “America or bust.” With 53% North America and bare sprinkles of Europe and developed Asia, it’s basically a US equity love letter. That works as long as the US keeps being the market’s main character, but it ignores the very real possibility that other regions have different cycles, currencies, and policy regimes that can smooth the ride. A plain global index has way more non‑US exposure than this. You’re running a home‑country bias play: comfortable, but narrow. Adding serious non‑US exposure would give you at least a chance that something holds up when US large caps finally have a truly bad stretch.

Market capitalization Info

  • Large-cap
    20%
  • Mega-cap
    19%
  • Mid-cap
    6%
  • Micro-cap
    5%
  • Small-cap
    5%

Your market-cap mix says, “I like big stocks and I cannot lie, but I’ll flirt with tiny ones.” Mega and big caps dominate, with a little 5% each in small and micro plus some mid caps sprinkled in. The small-cap value ETF is doing the heavy lifting for anything off the beaten path. Compared to a total market portfolio, this is still very top‑heavy; the giants are steering the ship. This setup rides the winners but doesn’t fully exploit the historical punch of small caps because the allocation is modest. If you genuinely want a small-cap value tilt, this is more like a cameo than a starring role.

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.

From a risk–return angle, this is like someone saw the Efficient Frontier and said, “Cool, I’ll just stand over on the risky side.” The Efficient Frontier is the set of portfolio mixes that give you the best trade-off between risk and return, not a fantasy of high return with low risk. Your mix chases high returns with very concentrated, correlated bets, especially in US large caps and semis. That can work brilliantly until it doesn’t. A more efficient setup would likely dial back the overlap (S&P 500 plus S&P 500 momentum) and add genuinely diversifying assets. Right now, you’re overpaying in volatility for the extra upside flair.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.40%
  • VanEck Semiconductor ETF 0.30%
  • Invesco S&P 500® Momentum ETF 0.70%
  • State Street® SPDR® Portfolio S&P 500® ETF 1.10%
  • Weighted yield (per year) 0.91%

With a total yield under 1%, this portfolio clearly didn’t come here for income; it came to chase growth. Dividend yield is just the cash companies pay out, like getting a tiny rent check from your stocks. You’ve leaned into momentum and semis, which are not exactly known as generous grandparents. That’s fine if the plan is long-term compounding and reinvestment, but don’t pretend this setup will fund living expenses any time soon. If future goals include spending the returns, not just watching numbers go up, consider adding some higher-yield, more stable payers so the portfolio doesn’t rely solely on selling shares in bad markets.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • VanEck Semiconductor ETF 0.35%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Weighted costs total (per year) 0.11%

Costs are the one area where this thing looks oddly responsible. A total TER of 0.11% is basically “I actually read a fee table once.” Even the pricier pieces—0.25% and 0.35%—are not outrageous for more specialized tilts. Fees are like slow leaks in a tire: you rarely notice in a week but definitely notice in a decade. Here, the leak is small, which is good, because the real risk is coming from your aggressive growth bets, not your expense ratios. Just keep an eye on any future add‑ons; don’t ruin a lean setup by sprinkling in some bloated, flashy product for no clear reason.

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