This portfolio has only about 1.6 years 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.

Highly concentrated speculative growth portfolio mixing mega cap innovators with extreme micro cap risk

Report created on Mar 29, 2026

Risk profile Info

7/7
Speculative
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

The portfolio is almost entirely high-octane growth: roughly four-fifths in individual stocks and the rest in a single crypto trust. There are no broad index funds or traditional stabilizers like bonds or cash, so every holding meaningfully moves the needle. A few large, well-known companies are paired with tiny, thinly traded names, which makes the overall ride very bumpy. Because the weights are fixed and there’s no rebalancing, winners can dominate over time while losers can quietly shrink. For someone chasing big upside, this structure can feel exciting, but it also means portfolio value can swing sharply day to day, especially over such a short history.

Growth Info

Over about 1.6 years, $1,000 hypothetically growing to $5,365 is an enormous gain, with a sky‑high 226% annualized return, far above broad US and global markets. At the same time, the max drawdown of about -86% shows the portfolio has already experienced an extreme peak-to-trough loss. Only three days explain 90% of total returns, meaning performance was driven by a handful of big moves rather than a steady climb. With such a short and unusually strong period, past returns are not a reliable guide. This kind of boom‑and‑bust profile can continue, but it can just as easily reverse without warning.

Asset classes Info

  • Stocks
    83%
  • Crypto
    17%

Asset-class-wise, the portfolio is about 83% stocks and 17% crypto, with no bonds or cash. That’s far more aggressive than broad market norms where bonds and cash usually soften equity swings. Crypto adds another layer of volatility on top of already volatile stocks, which can amplify both gains and losses. On the positive side, this alignment with high-risk growth assets fits a speculative profile and can capture strong upside when risk assets are in favor. The flip side is that drawdowns can be deep and prolonged, and there’s little built-in buffer if both stocks and crypto fall together, as they often do in stress periods.

Sectors Info

  • Technology
    43%
  • Consumer Discretionary
    23%
  • Industrials
    13%
  • Financials
    3%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is heavily tilted toward technology and related growth areas, with sizeable consumer discretionary and some industrials, plus a small financials slice. Compared with broad benchmarks, this is a strong overweight to innovation and cyclical demand, and an underweight to steadier areas like defensive consumer goods or utilities. Tech- and growth-heavy allocations can do very well when interest rates are stable or falling and when investors are eager for future earnings stories. But they also tend to be hit hard when rates rise, liquidity tightens, or sentiment turns against “story stocks.” Sector balance here leans firmly toward excitement rather than stability.

Regions Info

  • North America
    63%
  • Europe Developed
    20%

This breakdown covers the equity portion of your portfolio only.

Geographically, the portfolio is dominated by North American exposure with a meaningful but smaller allocation to developed Europe. That aligns fairly well with global equity market weightings, which are also heavily skewed toward North America. This alignment is a positive: it avoids an extreme home-country bias or overexposure to less liquid regions. However, there is limited exposure to other developed and emerging areas, so country-specific shocks in the US or Europe could still weigh on the whole portfolio. Over a longer horizon, adding more geographic breadth can sometimes smooth returns, but here the bigger driver of risk remains the speculative nature of the underlying names.

Market capitalization Info

  • Mega-cap
    53%
  • Large-cap
    20%
  • Micro-cap
    7%
  • Mid-cap
    3%

This breakdown covers the equity portion of your portfolio only.

Market cap exposure is split between dominant mega caps and much smaller, more fragile companies, with more than half in mega-cap giants and noticeable slices in large, mid, and micro caps. This barbell structure combines the resilience and liquidity of global leaders with the sharp risk of thinly traded micro caps. Small and micro caps can multiply in value if things go right, but they can also collapse quickly or be very hard to exit in a downturn. The mix delivers diversification by company size, which is good, but it also raises the chance of extreme portfolio outcomes driven by the smallest, least stable holdings.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 83%
Size
Exposure to smaller companies
Very low
Data availability: 83%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 83%
Quality
Preference for financially healthy companies
Neutral
Data availability: 83%
Yield
Preference for dividend-paying stocks
Low
Data availability: 53%
Low Volatility
Preference for stable, lower-risk stocks
Very low
Data availability: 77%

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 shows a very strong tilt away from size and low volatility. A “very low” size score means the portfolio leans into smaller, more volatile names rather than broad, large-scale businesses. A “very low” low-volatility score indicates a strong preference for stocks that move more dramatically than the market. Factor investing treats these characteristics like ingredients that shape behavior: here, the recipe is built for sharp swings and big potential payoffs, not smooth sailing. In benign or euphoric markets this can supercharge returns, but during panics or recessions, drawdowns can be much more severe than a neutral, broad-based allocation.

Risk contribution Info

  • Cheviot Financial Corp
    Weight: 6.67%
    54.8%
  • Bitmine Immersion Technologies, Inc.
    Weight: 3.33%
    11.4%
  • Grayscale Bitcoin Mini Trust (BTC)
    Weight: 16.68%
    6.1%
  • Tesla Inc
    Weight: 13.33%
    6.0%
  • MicroStrategy Incorporated
    Weight: 6.67%
    4.3%
  • Top 5 risk contribution 82.6%

Risk contribution reveals that Cheviot Financial, despite being only about 6.7% of the portfolio, accounts for more than half of total volatility. That’s an enormous mismatch: it behaves like the loudest instrument in the orchestra by far. A couple of other small positions also punch above their weight, while the sizeable crypto and mega-cap stakes contribute relatively less risk than their weights might suggest. This means portfolio outcomes are unusually dependent on a handful of highly volatile smaller names. Adjusting position sizes or trimming the biggest risk contributors can bring their influence more in line with their intended role, if a less extreme risk profile is desired.

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.

On the risk–return chart, the current portfolio sits well below the efficient frontier, meaning that, given these holdings, there were historical weightings that delivered better risk-adjusted returns. The optimal mix had a higher Sharpe ratio with slightly more risk, and even the minimum-variance blend offered a gentler ride with still positive expected return. Because the history is only 1.6 years and unusually strong, none of these numbers should be treated as a precise blueprint. But they do suggest that simply reshuffling existing weights—without adding new assets—could, in principle, move closer to the frontier and make each unit of risk work harder for return.

Dividends Info

  • ASML Holding NV ADR 0.60%
  • FTAI Aviation Ltd. 0.60%
  • Bitmine Immersion Technologies, Inc. 0.10%
  • Weighted yield (per year) 0.10%

Dividend yield across the portfolio is extremely low, with only a few holdings paying modest dividends and a total yield around 0.1%. This confirms that the focus is firmly on capital appreciation rather than income. For investors targeting current cash flow, such a configuration would usually feel mismatched. But for a speculative growth posture, low dividends are common, as companies reinvest earnings into expansion rather than payouts. The trade‑off is that all returns must come from price gains, which are inherently less predictable, especially over short histories. Anyone relying on this capital should be comfortable funding living expenses from other, more stable sources.

Ongoing product costs Info

  • Grayscale Bitcoin Mini Trust (BTC) 0.45%
  • Weighted costs total (per year) 0.08%

Costs are impressively low overall, with an estimated total TER near 0.08%, driven mainly by the modest fee on the crypto trust and essentially zero explicit fund fees on individual stocks. Low ongoing costs are a real structural advantage because they don’t depend on market conditions; every dollar not spent on fees can stay invested and compound. In such a speculative portfolio, trading costs, taxes, and bid–ask spreads can still matter, especially for thinly traded micro caps, but from a listed-product perspective the baseline is very efficient. Maintaining this low-cost setup supports better long-run outcomes, regardless of shorter-term volatility.

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