Half asleep half turbocharged this portfolio can’t decide if it’s a savings account or a stock bet
Report created on Jun 30, 2026Risk profile
3/7
Diversification profile
5/5
Positions
-
SG iShares 0-3 Month Treasury Bond ETF
SGOV - US46436E7186 45.00% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 34.00% -
AV Avantis All International Markets Equity ETF
AVNM - US0250721745 15.00% -
AI VistaShares Artificial Intelligence Supercycle ETF
AIS 6.00%
This portfolio looks like it was built by two people who never spoke to each other: a safety-first cash hoarder and an equity junkie. Almost half the portfolio is parked in ultra-short Treasuries, the financial equivalent of bubble wrap, while the other half is tossed into broad equities plus a tiny AI side bet. The result is a weird split personality: the top-line risk score says “cautious,” but under the hood every actual bump and bruise comes from the equity slice. With only about 1.6 years of history, the apparent smoothness is more “not tested yet” than “battle-hardened.” Right now it’s less an integrated strategy and more a ceasefire between fear and FOMO.
Growth
On paper, the short history makes this thing look like a prodigy: $1,000 became $1,327, with a ~20% CAGR beating both US and global markets. The max drawdown of about -10% is gentle next to the benchmarks’ -17 to -19%, so it’s basically been wearing a helmet so far. But 1.6 years of data is a highlight reel, not a career; one good cycle or a tech-friendly environment can massively distort the story. Sixteen days delivering 90% of returns screams “you missed a few days; you missed the year.” Past data here is yesterday’s weather, not a 30-year climate model.
Projection
The Monte Carlo projection takes that short, flattering track record and asks, “What if this kind of chaos kept going?” It runs 1,000 random futures based on recent volatility and returns, then spits out a median $2,418 from $1,000 after 15 years. That’s a 6.4% annualized expectation, which is way tamer than the current ~20% CAGR, highlighting how unrealistic it is to extrapolate a year and a half forever. The “possible” range from roughly $1,275 to $4,461 is wide because reality is rude. With this little history, the simulation is basically saying, “Here’s a fuzzy guess, not a prophecy.”
Asset classes
- Stocks 55%
- Cash 45%
Asset-class-wise, this is a 55/45 portfolio but reversed from the usual pattern: 55% in stocks, 45% in ultra-short Treasuries masquerading as cash. It’s like someone wanted the comfort of a bank account but couldn’t quite bring themselves to skip the stock market party. The “cash” chunk kills a lot of volatility but also handcuffs the upside when markets really run. Short history makes this blend look perfectly calibrated, but that’s luck filtered through a calm-ish window. Over a full cycle, this kind of heavy cash-plus-equity combo tends to feel like driving with one foot on the gas and the other gently pressing the brake.
Sectors
- Cash 45%
- Technology 20%
- Financials 7%
- Industrials 6%
- Consumer Discretionary 5%
- Telecommunications 4%
- Health Care 4%
- Energy 2%
- Consumer Staples 2%
- Basic Materials 2%
- Utilities 1%
- Real Estate 1%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is basically: 45% “cash,” then a clear love letter to tech at about 20%, with everything else picking up leftovers. Financials, industrials, and consumer names are sprinkled in like someone remembered diversification right before hitting “buy.” The tech tilt on the equity side is doing a lot of the performance heavy lifting, especially given how NVIDIA and friends have behaved in this short window. That’s great when the theme is hot, less fun when the music stops. With only 1.6 years of data, we’ve seen tech during a good stretch, not necessarily through a full boom-bust cycle.
Regions
- Cash 45%
- North America 39%
- Europe Developed 6%
- Asia Developed 4%
- Japan 2%
- Asia Emerging 2%
- Australasia 1%
- Africa/Middle East 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, it’s “USA + cash with a side of everyone else.” North America takes up 39% of the total portfolio, but if you strip out the 45% in Treasuries, the actual equity slice is very US-heavy with a modest international nod. Europe, Japan, and emerging markets are all present, but more as garnish than main course. The label “highly diversified” is technically correct on paper, yet in practice this is still very home-biased. And again, the limited history is flattering: the recent period hasn’t exactly punished US-heavy portfolios, so any apparent geographic wisdom here is still untested.
Market capitalization
- Mega-cap 23%
- Large-cap 18%
- Mid-cap 11%
- Small-cap 2%
This breakdown covers the equity portion of your portfolio only.
Market-cap breakdown screams comfort zone: 23% mega-cap, 18% large-cap, and only a token 2% in small caps. This is basically a fan club for the giants that already won, with very little space for up-and-comers. That makes the ride smoother than a small-cap circus, but also highly dependent on the fate of a handful of global behemoths. In a short 1.6-year window where huge companies, especially in tech, have dominated, that tilt looks genius. Over a real cycle, it just means the portfolio is extremely tied to whatever mood the corporate mega-elite wakes up in.
True holdings
-
XT BlackRock Cash Funds Treasury SL Agency 3.32%
Part of fund(s):- iShares 0-3 Month Treasury Bond ETF
-
NV NVIDIA Corporation 2.68%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc. 2.40%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 1.75%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 1.38%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.16%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.11%
Part of fund(s):- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 1.04%
Part of fund(s):- Vanguard S&P 500 ETF
- VistaShares Artificial Intelligence Supercycle ETF
-
GO Alphabet Inc Class C 0.92%
Part of fund(s):- Vanguard S&P 500 ETF
-
00 SK Hynix Inc 0.86%
Part of fund(s):- Avantis All International Markets Equity ETF
- Avantis® Emerging Markets Equity ETF
- VistaShares Artificial Intelligence Supercycle ETF
- Top 10 total 16.62%
This breakdown covers the equity portion of your portfolio only.
The look-through holdings list is basically a roll call of the usual suspects: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Micron. The fun part? Those names show up across multiple ETFs, stacking exposure whether that was intentional or not. With only the top 10 of each ETF visible, the overlap is almost certainly understated, yet we can already see a tech-heavy cluster forming. This means the portfolio is sneakily concentrated in a handful of mega-cap darlings while pretending to be broadly diversified. And given the short track record, all we’ve seen is those darlings during their victory lap, not their hangover.
Factors
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, the portfolio is oddly extreme: very low size, high yield, and high low volatility. Translation: it hugs big, boring-ish names, likes getting paid a bit of income, and avoids drama where it can. That “high low-vol” tilt is like always choosing the slow lane on purpose, while the tiny size exposure shows almost no interest in smaller, punchier companies. Ironically, this factor mix plus short data can underplay how ugly things might get in a real storm; low-vol stocks still fall, they just sometimes fall slower. Right now the factor profile says “defensive, income-leaning,” dressed in a recent market that has been unusually kind to that combo.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 34.00% 56.0% -
Avantis All International Markets Equity ETF
Weight: 15.00% 22.4% -
VistaShares Artificial Intelligence Supercycle ETF
Weight: 6.00% 21.7% -
iShares 0-3 Month Treasury Bond ETF
Weight: 45.00% 0.0%
The risk contribution chart is brutally honest: the 45% in Treasuries contributes basically 0% of the portfolio risk, while the remaining 55% of equities does 100% of the drama. The S&P 500 slice alone is 34% of weight but about 56% of risk, and that tiny 6% AI ETF is contributing nearly 22% of total risk — that’s a Chihuahua barking like a Great Dane. This is what “risk contribution” means: who’s actually shaking the boat, not who’s occupying the most deck space. So the portfolio looks cautious on paper, but one overeager AI tantrum and you find out who’s really driving the ride.
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 is quietly roasting this portfolio. At its current 10% risk level, the portfolio sits about 7.25 percentage points below the best possible line using the same ingredients. Translation: there’s a more efficient way to mix these exact funds that would give a much better risk/return tradeoff. The Sharpe ratio of 1.25 looks fine until you see the optimal portfolio’s Sharpe above 5 and the minimum-variance version with a comically high Sharpe. That screaming gap says the structure is doing more vibe than math. With only 1.6 years of history, even those numbers are shaky, but they still point to obvious inefficiency.
Dividends
- Avantis All International Markets Equity ETF 2.40%
- iShares 0-3 Month Treasury Bond ETF 3.80%
- Vanguard S&P 500 ETF 1.30%
- Weighted yield (per year) 2.51%
The headline yield of about 2.5% looks respectable, especially with the 0–3 month Treasuries quietly doing most of the income heavy lifting at 3.8%. The US equity piece isn’t exactly a dividend machine, and the international fund pulls more of that weight. This isn’t some high-income monster; it’s more like a mild side hustle bolted onto a conservative vehicle. In a short history window where yields have been weird and rates rising, the income profile can look more stable than it really is. Relying on this as a steady “paycheck” would be optimistic; it’s pocket money, not a salary.
Ongoing product costs
- Avantis All International Markets Equity ETF 0.31%
- iShares 0-3 Month Treasury Bond ETF 0.07%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.09%
Costs are one of the few areas where this portfolio isn’t shooting itself in the foot. A total TER of 0.09% is impressively low — the kind of number that suggests you at least scrolled past the expensive stuff. The slightly pricier international fund is the only real cost outlier, but even that is pretty tame. Low fees don’t make a portfolio smart, but they do mean you’re not donating extra dollars to fund companies for no reason. With only 1.6 years of history, the main comfort here is that, whatever happens, at least the fee drag isn’t what sinks performance.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey