This portfolio has only about 1.3 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.
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Momentum-chasing growth fan that pretends to be diversified but secretly worships mega-cap tech

Report created on Jul 4, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is basically a core-and-satellite setup where the satellites have taken over the group chat. Half the money sits in a broad US index, another fifth in broad international, which sounds stable and grown-up. Then it bolts on pure growth, focused US momentum, small-cap value, and a concentrated semiconductor fund like someone couldn’t pick a lane. For a “growth” setup it’s not insane, but it is very “I like the market… and also turbo mode.” With only about 1.3 years of data, it’s hard to say if this mix is genius or just lucky, but structurally it’s tilted toward whatever has looked shiny lately.

Growth Info

The last 1.3 years make this thing look like a genius-level move: $1,000 becomes $1,446, with a 33% CAGR versus mid‑20s for both US and global markets. The max drawdown of around -14% is basically market-like, so it’s getting extra return without obvious extra pain in this short window. That sounds heroic, but 1.3 years of data is basically one good season, not a career. CAGR (compound annual growth rate) here is just your “average speed” over a very short road trip. Past data is helpful, but with this little history, treating it as a long-term pattern is wishful thinking.

Projection Info

The Monte Carlo projection is trying its best with flimsy raw material. Monte Carlo just means the computer ran 1,000 alternate futures based on recent behavior, like simulating lots of different weather forecasts. Median outcome of $2,669 after 15 years from $1,000 sounds decent, and 74% of simulations ending positive is reassuring on paper. But the input history is barely 1.3 years, during a very particular market mood. That’s like forecasting your life based on one pretty good summer. The wide spread from roughly $1,000 to $8,000 screams “this could go many ways,” especially for a momentum-heavy, equity-only portfolio.

Asset classes Info

  • Stocks
    100%

Asset class breakdown is easy: it’s 100% stocks, 0% anything else. This isn’t “growth with a twist”; it’s “growth with no off switch.” Stocks are the drama queens of investing: great when they’re up, loud when they’re down. A single asset class portfolio means everything rises and falls together with the economic tides—no bonds, no cash buffer, no diversifiers, just vibes. Over long stretches that can pay off, but with only 1.3 years of data, you’ve only seen one chapter of a very long, occasionally brutal book. The growth label is honest here, but so is the risk.

Sectors Info

  • Technology
    36%
  • Financials
    13%
  • Industrials
    11%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Health Care
    8%
  • Energy
    4%
  • Consumer Staples
    4%
  • Basic Materials
    3%
  • Real Estate
    2%
  • Utilities
    2%

Sector-wise, this thing is clearly tech-curious: 36% in technology and another chunk in consumer discretionary and telecoms. The concentrated semiconductor ETF is basically a neon sign saying “I believe in chips forever.” Financials and industrials show up for credibility, but they’re not steering the ship. Sector diversification looks okay on the surface, yet the growth and momentum tilt means a lot of this exposure leans into the same high-beta, market-darling theme. When sectors like tech lead, this looks brilliant. When leadership rotates or markets punish expensive growth, this kind of build tends to find gravity fast.

Regions Info

  • North America
    80%
  • Europe Developed
    8%
  • Asia Developed
    4%
  • Japan
    3%
  • Asia Emerging
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, this is “USA or bust” with a side salad of the rest of the world. About 80% in North America and only crumbs across Europe, Japan, and various other regions is textbook home bias. It’s basically saying the global economy exists but the portfolio only really trusts one neighborhood. The international slice does at least reach into developed and emerging markets, so it isn’t completely ignorant, just heavily tilted. Over 1.3 years, that US tilt has helped, since recent performance has been US-heavy. But that’s yesterday’s weather—other regions occasionally have their own winning streaks too.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    28%
  • Mid-cap
    19%
  • Small-cap
    9%
  • Micro-cap
    4%

Market cap mix is dominated by megacaps (39%) and large caps (28%), with mid and small caps sprinkled on top like garnish. The small and micro positions exist mostly because of the small-cap value ETF and the total market fund, but they’re not running the show. This is more “I love the index giants but I heard small caps were edgy so I added a bit.” Big companies can add stability and liquidity, but they also make the portfolio very tied to the fate of a handful of dominant names. With only short-term data, it’s hard to see how this blend behaves across full cycles.

True holdings Info

  • NVIDIA Corporation
    5.39%
    Part of fund(s):
    • VanEck Semiconductor ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc.
    4.38%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    3.20%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    2.29%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    2.28%
    Part of fund(s):
    • VanEck Semiconductor ETF
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    2.12%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    1.66%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    1.32%
    Part of fund(s):
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    1.18%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Growth Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Micron Technology Inc
    1.14%
    Part of fund(s):
    • VanEck Semiconductor ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 24.95%

The look-through holdings read like a who’s-who of modern market darlings: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, Broadcom, Micron. You don’t hold them directly, but they’re lurking inside multiple ETFs like background radiation. NVIDIA alone at 5.39% and Apple at 4.38% show that broad funds plus sector and growth tilts stack the same names repeatedly. Overlap data is only based on ETF top-10 lists, so true concentration is likely even higher. It’s marketed as diversified index exposure, but under the hood it’s a fan club for the usual mega-cap celebrities.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 25%
Size
Exposure to smaller companies
Very low
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 20%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 90%

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.

The factor profile is basically screaming, “Momentum now, value later… maybe.” Very low size exposure means it leans heavily away from smaller companies and toward the big boys. Low value means it’s avoiding cheap-looking stocks, hugging the expensive, high-growth side instead. Momentum is high at 75%, so it’s deliberately riding whatever has recently worked. Factor exposure is like the ingredient list on the back of the box; here it reads “big, trendy, not cheap.” That can crush it in strong bull markets, but it’s the sort of recipe that tends to feel particularly rough when momentum breaks.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 50.00%
    47.5%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 20.00%
    17.1%
  • Vanguard Growth Index Fund ETF Shares
    Weight: 10.00%
    11.1%
  • MarketDesk Focused U.S. Momentum ETF
    Weight: 10.00%
    10.2%
  • VanEck Semiconductor ETF
    Weight: 5.00%
    9.5%
  • Top 5 risk contribution 95.3%

Risk contribution shows who’s actually rocking the boat, not just who’s sitting in it. The total US market ETF at 50% weight delivering about 47% of risk is proportional. International at 20% giving ~17% risk is also fine. The real drama comes from the 5% semiconductor ETF contributing 9.46% of total risk—almost double its weight. That’s a tiny position throwing a much bigger volatility punch. Risk/weight ratios over 1, like growth and semis here, tell you which holdings are doing the heavy lifting on turbulence. Structurally, a few spicy satellites are amplifying what would otherwise be a pretty plain vanilla core.

Redundant positions Info

  • Vanguard Growth Index Fund ETF Shares
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The high correlation between the total US market ETF and the US growth ETF is the least surprising twist ever. They move almost identically, which is what happens when you pair a broad market fund with a growth-heavy slice from the same playground. Correlation just means things zig and zag together; here, the zig and zag are basically synchronized swimming. It doesn’t “break” the portfolio, but it does mean some of that apparent diversification is just duplication in disguise. When US large-cap growth gets hit, both of these are probably heading down the same staircase at the same time.

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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On the efficient frontier chart, this portfolio sits below the best you could do with the same ingredients. The Sharpe ratio of 1.39 versus 2.07 for the max-Sharpe mix says it’s not exactly squeezing all the juice out of its risk. The efficient frontier is just the curve showing the best possible return for each risk level; being 2.9 percentage points below it means this combo is a bit lazy. Even the minimum variance option has a slightly better Sharpe. In plain English, the holdings are fine, but the weights are like an almost-good recipe that needs the seasoning rearranged.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.30%
  • VanEck Semiconductor ETF 0.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Vanguard Total International Stock Index Fund ETF Shares 2.60%
  • MarketDesk Focused U.S. Momentum ETF 0.20%
  • Weighted yield (per year) 1.20%

Dividend yield at 1.2% is basically a polite shrug. The international fund is doing most of the income work at 2.6%, while the growth, momentum, and semiconductor pieces are more like “we pay you in vibes, not cash.” This is a capital appreciation portfolio that occasionally drops small dividend crumbs. There’s nothing wrong with that, but nobody should pretend this is an income machine. With only a short history, there’s not much to say about dividend stability either—just that structurally, this setup clearly prioritizes potential price gains over regular cash payouts.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • VanEck Semiconductor ETF 0.35%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.06%

Costs are actually suspiciously sensible. A total portfolio TER of 0.06% is “did you click the cheap funds on purpose?” territory. The pricey bits are the small-cap value (0.25%) and semiconductor ETF (0.35%), but given their small weights, they barely move the needle. TER, or total expense ratio, is just the annual fee skimmed off for running the funds. Here, you’re basically paying budget airline prices while still flying a mostly mainstream route. For a portfolio this obsessed with growth and momentum, at least it’s not lighting extra money on fire in fees.

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