This portfolio has only about 2 months of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
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Shiny objects dividend comfort blanket and a quantum tech rollercoaster all crammed into one bag

Report created on May 31, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio looks like it was built by three different people who never spoke to each other: a gold bug, a dividend fan, and a sci‑fi tech nerd. There’s a chunky 13% in gold sitting next to sensible broad US equity, and then a swarm of tiny speculative tech and quantum names buzzing around for drama. With over 40 positions and lots of tiny slices under 1%, it’s more like a tasting menu than a focused strategy. Because there’s only about two months of history, any neat narrative about “how it behaves” is basically fan fiction. Structurally, though, it screams: “I want growth, but I also want comfort, but also toys.”

Growth Info

The performance chart is pure hallucination territory. A 371% annualized CAGR over two months, with $1,000 magically morphing into $1,248, looks heroic next to the US and global markets — but that’s not a skill badge, it’s a lucky coin flip in a tiny time window. CAGR (compound annual growth rate) is like taking a wild weekend and pretending your whole year looks like that. The -4% max drawdown is basically a shrug, but again, we’ve seen exactly one mood swing. Past data is yesterday’s weather; here, it’s more like yesterday’s meme stock chart. Treat it as trivia, not a pattern.

Projection Info

The Monte Carlo projection is doing its best with almost no real history to chew on, so take the numbers with a salt mine. Monte Carlo is basically a thousand “what if” simulations using recent volatility and return patterns to estimate future outcomes. Here it spits out a median $2,563 from $1,000 over 15 years, with a wide band from “meh” to “nice one.” But because the inputs come from just two chaotic months, the model is like a GPS trained on one short road trip: it knows a route, not the map. The spread of outcomes mostly says: this portfolio can swing.

Asset classes Info

  • Stocks
    77%
  • Other
    14%
  • Bonds
    5%
  • Real Estate
    2%
  • No data
    1%
  • Cash
    1%

Asset‑class mix: about 77% stocks, 14% “other” (gold and commodities being the loudest), a token 5% in bonds, plus a rounding‑error splash of cash and real estate. For something labeled “growth,” that small bond slice is basically decorative, like parsley on a steak. The heavy equity plus commodities is more “risk‑on with a panic button made of gold.” With such a short track record, it’s impossible to say how these parts dance together in a real crisis, but structurally this leans way more toward riding equity and commodity cycles than smoothing them. The portfolio signed up for volatility and then added leverage to the vibes with alternatives.

Sectors Info

  • Technology
    30%
  • Industrials
    12%
  • Telecommunications
    10%
  • Financials
    6%
  • Health Care
    4%
  • Energy
    4%
  • Consumer Staples
    4%
  • Consumer Discretionary
    3%
  • Utilities
    3%
  • Real Estate
    2%
  • Basic Materials
    2%
  • Cash
    1%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, this thing has a 30% technology dependency, then a side order of industrials and telecom. That trio plus the niche thematic stuff (defense tech, data centers, quantum, semis) means the portfolio’s economic story is very narrow: “computers, networks, and the stuff that feeds them.” Sectors like health care, staples, and other dull-but-useful areas are present, but as background characters, not leads. That’s fine in a boom; in a tech unwind, it turns into synchronized pain. With only two months of data, there’s no proof this fragility bites hard, but the sector mix plainly says: if future returns disappoint, it won’t be because you owned too many boring businesses.

Regions Info

  • North America
    64%
  • Europe Developed
    9%
  • Asia Developed
    3%
  • Japan
    2%
  • No data
    1%
  • Cash
    1%
  • Australasia
    1%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geography screams “USA first, everything else if we remember.” Around 64% is in North America, with everyone else fighting over scraps. Europe, Japan, and developed Asia show up, but they’re basically cameo roles. Emerging markets ex‑China get a tiny flag, then back to the bench. Calling this “broadly diversified” regionally is generous; it’s more like “US plus some postcards.” That doesn’t mean it’s doomed — plenty of US‑heavy portfolios do fine — but it does mean global events will mostly be filtered through US markets. And with only two months of history, the portfolio hasn’t even had time to experience a meaningful international vs US divergence.

Market capitalization Info

  • Large-cap
    37%
  • Mega-cap
    23%
  • Mid-cap
    14%
  • Small-cap
    4%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

Market cap breakdown looks oddly tame given how chaotic the holdings list feels: mega and large caps dominate, with mid caps respectable and small/micro caps more like seasoning. On paper, that’s a grown‑up tilt toward big established names. In reality, piling speculative themes on top of broad large‑cap exposure is like pouring hot sauce on mashed potatoes — the big base is comforting, but your mouth only remembers the burn. The tiny micro‑cap slice doesn’t show how spicy some of those individual names are. With such limited history, the calm size mix is more illusion than comfort: the real story lives in the idiosyncratic names, not the size categories.

True holdings Info

  • Micron Technology Inc
    5.87%
    Part of fund(s):
    • Defiance Quantum ETF
    • Global X Data Center & Digital Infrastructure ETF
    • Invesco S&P 500® Momentum ETF
    • Roundhill Memory ETF
    • Schwab Fundamental U.S. Large Company Index ETF
    • VanEck Semiconductor ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Value Index Fund ETF Shares
    • iShares MSCI USA Value Factor ETF
    Direct holding 4.65%
  • Alphabet Inc Class C
    5.02%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • SPDR Gold MiniShares
    • Schwab Fundamental U.S. Large Company Index ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
    Direct holding 4.21%
  • Nebius Group N.V.
    3.43%
  • Marvell Technology Group Ltd
    2.60%
    Part of fund(s):
    • Defiance Quantum ETF
    • Global X Data Center & Digital Infrastructure ETF
    Direct holding 2.50%
  • NVIDIA Corporation
    2.22%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • Invesco S&P 500® Momentum ETF
    • SPDR Gold MiniShares
    • VanEck Semiconductor ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
    • WisdomTree Quantum Computing Fund
  • Apple Inc
    1.49%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • SPDR Gold MiniShares
    • Schwab Fundamental U.S. Large Company Index ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
  • Broadcom Inc
    1.39%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • Invesco S&P 500® Momentum ETF
    • SPDR Gold MiniShares
    • VanEck Semiconductor ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard High Dividend Yield Index Fund ETF Shares
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
    Direct holding 0.14%
  • Microsoft Corporation
    1.38%
    Part of fund(s):
    • Fidelity® High Dividend ETF
    • SPDR Gold MiniShares
    • Schwab Fundamental U.S. Large Company Index ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
    Direct holding 0.30%
  • Vertiv Holdings Co
    1.27%
  • Palantir Technologies Inc.
    1.19%
    Part of fund(s):
    • Global X Defense Tech ETF
    Direct holding 0.75%
  • Top 10 total 25.86%

This breakdown covers the equity portion of your portfolio only.

Look‑through holdings reveal the “surprise, you already own this” problem. Micron and Alphabet appear both directly and via ETFs, pushing total exposure over 5% each. Semis in general (Micron, Marvell, Broadcom, NVIDIA via ETFs, plus VanEck Semi) show up everywhere like glitter — impossible to get rid of and on everything. Microsoft and Broadcom are technically small individual positions, but the ETF overlap quietly inflates them. And that’s just from the top‑10 ETF slices; half the portfolio still hides behind “uncovered” curtain. So the cute 2–3% and sub‑1% weights disguise a reality where a few tech names and themes are doing a lot of the heavy lifting.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 53%
Size
Exposure to smaller companies
Very low
Data availability: 79%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 8%
Quality
Preference for financially healthy companies
High
Data availability: 22%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 91%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 89%

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-wise, this portfolio is trying to be both disciplined and turbocharged. High momentum and high quality together scream, “I want fast horses, but not total trash,” which is at least a coherent personality. Then size comes in at “very low,” meaning a strong bias toward bigger companies overall, despite the eye-catching speculative names. Factor exposure is like the ingredient label; here it says: chasing recent winners, but generally in companies that aren’t obvious disasters. With only a couple months of factor history, though, that picture could shift fast — momentum in particular is notorious for flipping in different markets. Right now, the factor mix is the financial equivalent of flooring it with a decent seatbelt on.

Risk contribution Info

  • Micron Technology Inc
    Weight: 4.65%
    15.0%
  • SPDR Gold MiniShares
    Weight: 13.65%
    10.7%
  • Nebius Group N.V.
    Weight: 3.43%
    10.3%
  • VanEck Semiconductor ETF
    Weight: 3.41%
    5.8%
  • Marvell Technology Group Ltd
    Weight: 2.50%
    5.3%
  • Top 5 risk contribution 47.0%

Risk contribution blows up the illusion that gold is the star of the show. SPDR Gold is 13.65% of weight but only about 10.7% of risk — it’s actually the grown‑up in the room. Meanwhile, Micron at 4.65% accounts for nearly 15% of total risk, and Nebius at 3.43% clocks another 10.3%. That’s two mid‑single‑digit positions driving roughly a quarter of the portfolio’s drama. Risk contribution is essentially “who’s actually shaking the boat,” and here, a handful of volatile names are doing Cirque du Soleil stunts while everyone else watches. With only two months of data, the exact numbers are fragile, but the direction is clear: concentrated risk, disguised weight.

Redundant positions Info

  • Vanguard High Dividend Yield Index Fund ETF Shares
    iShares Core Dividend Growth ETF
    High correlation
  • Vanguard Value Index Fund ETF Shares
    Schwab Fundamental U.S. Large Company Index ETF
    High correlation
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
    EUROPACIFIC GROWTH FUND CLASS R-6
    High correlation
  • Fidelity 500 Index Fund
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

Correlation-wise, there are pairs that might as well share a login. Core US dividend funds, value funds, and broad US indexes are shadowing each other so closely that holding them together is more about branding than diversification. Fidelity 500 vs Vanguard Total Market? That’s Coke vs Pepsi. The international pair moving in lockstep is another “two flavors of the same ice cream” moment. Correlation means these funds tend to move together; when they drop, they drop as a group, not one saving the other. With such a short sample, correlations can be misleadingly tidy, but even in a tiny window, owning near‑duplicates doesn’t exactly scream efficiency.

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 chart is basically yelling, “Same ingredients, better recipe.” The current portfolio sits a long way below the frontier, with a Sharpe ratio way weaker than the max‑Sharpe version that uses only different weights of the same holdings. Sharpe is “return per unit of pain,” and right now this setup is taking more pain than it needs for the payoff it’s getting — based on a very short and suspiciously hot recent period. The 98‑percentage‑point gap to the frontier at this risk level is comically large, like choosing the scenic route through every pothole. Even with limited data, the message is simple: the chaos isn’t being rewarded efficiently.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.70%
  • Broadcom Inc 0.60%
  • Avantis® U.S. Small Cap Value ETF 1.30%
  • Cameco Corp 0.20%
  • iShares Core Dividend Growth ETF 2.00%
  • Global X Data Center & Digital Infrastructure ETF 0.70%
  • Fidelity® High Dividend ETF 2.70%
  • Schwab Fundamental International Large Company Index ETF 2.90%
  • Schwab Fundamental U.S. Large Company Index ETF 1.50%
  • FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 1.00%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.40%
  • Fidelity 500 Index Fund 1.00%
  • Alphabet Inc Class C 0.20%
  • First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund 0.80%
  • KraneShares MSCI Emerging Markets ex China Index ETF 2.30%
  • Marvell Technology Group Ltd 0.10%
  • Microsoft Corporation 0.60%
  • Micron Technology Inc 0.10%
  • Neuberger Berman Commodity Strategy ETF 6.60%
  • EUROPACIFIC GROWTH FUND CLASS R-6 12.50%
  • Schwab U.S. Dividend Equity ETF 3.20%
  • Global X Defense Tech ETF 0.40%
  • VanEck Semiconductor ETF 0.20%
  • Invesco S&P 500® Momentum ETF 0.70%
  • Vanguard Information Technology Index Fund ETF Shares 0.30%
  • iShares MSCI USA Value Factor ETF 1.40%
  • Vanguard Federal Money Market Fund Investor Shares 3.60%
  • Vertiv Holdings Co 0.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.00%
  • Vanguard Value Index Fund ETF Shares 1.90%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Vanguard High Dividend Yield Index Fund ETF Shares 2.20%
  • Utilities Select Sector SPDR® Fund 2.70%
  • MarketDesk Focused U.S. Momentum ETF 0.20%
  • Defiance Quantum ETF 0.70%
  • Fidelity Govt Cash Rsrvs 3.40%
  • Fidelity® Government Money Market Fund 2.30%
  • Weighted yield (per year) 1.32%

Dividends here look more like a garnish than a core theme. Overall yield sits around 1.3%, which is what you get when you mix serious dividend funds with a lot of growthy and speculative stuff that barely pays anything. A couple of positions flaunt big yields (hello, double digits and 6%+), but they’re small weights, so the portfolio isn’t exactly living off coupon clipping. Dividends are useful as a steady paycheck, but in this mix they’re mostly a side quest: some high‑yield tilts to make the statement “I care about income” while the real story is growth, momentum, and thematic bets.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares Core Dividend Growth ETF 0.08%
  • Global X Data Center & Digital Infrastructure ETF 0.50%
  • Fidelity® High Dividend ETF 0.15%
  • Schwab Fundamental International Large Company Index ETF 0.25%
  • Schwab Fundamental U.S. Large Company Index ETF 0.25%
  • FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.06%
  • Fidelity 500 Index Fund 0.02%
  • SPDR Gold MiniShares 0.10%
  • First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund 0.57%
  • KraneShares MSCI Emerging Markets ex China Index ETF 0.24%
  • Neuberger Berman Commodity Strategy ETF 0.66%
  • EUROPACIFIC GROWTH FUND CLASS R-6 0.47%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Global X Defense Tech ETF 0.50%
  • VanEck Semiconductor ETF 0.35%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • iShares MSCI USA Value Factor ETF 0.15%
  • Vanguard Federal Money Market Fund Investor Shares 0.11%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Value Index Fund ETF Shares 0.04%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Vanguard High Dividend Yield Index Fund ETF Shares 0.06%
  • Utilities Select Sector SPDR® Fund 0.09%
  • Defiance Quantum ETF 0.40%
  • Fidelity Govt Cash Rsrvs 0.37%
  • Fidelity® Government Money Market Fund 0.42%
  • Weighted costs total (per year) 0.16%

Costs are the one area where this circus behaves like an adult. A portfolio‑level TER around 0.16% is objectively decent, especially given the number of moving parts and the presence of some pricey thematic and commodity products. The cheap core index funds and broad ETFs are clearly doing a lot of fee‑dampening. That said, paying 0.5–0.7% for some niche slices while already holding overlapping broad funds is like ordering bottled water and a cocktail when there’s free filtered water on the table. Overall, though, fees are under control — if anything, the portfolio is too complex for how little it’s actually paying.

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