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A growth hungry portfolio in a balanced costume carrying a tiny crypto flamethrower for fun

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

What type of investor this portfolio is suitable for

Balanced Investors

This setup fits someone who says “balanced” but secretly loves speed. It suits a growth-chaser with decent risk tolerance, willing to watch big swings without immediately hitting the eject button. Crypto at a tiny allocation hints at curiosity and a touch of gambler spirit, but not full degen behavior. The horizon implied is long-term—think decade-plus—because a high-equity, growth-heavy mix really needs time to survive crashes and recover. Goals likely center around building serious wealth rather than just preserving it, and there’s a clear willingness to live with volatility in exchange for higher upside. Planning instincts are there, but with a flair for drama and a soft spot for shiny trends.

Positions

  • Vanguard S&P 500 ETF
    VOO - US9229083632
    34.52%
  • iShares Core MSCI Total International Stock ETF
    IXUS - US46432F8344
    16.20%
  • Vanguard Extended Market Index Fund ETF Shares
    VXF - US9229086528
    15.29%
  • Schwab U.S. Dividend Equity ETF
    SCHD - US8085247976
    11.27%
  • iShares MSCI USA Momentum Factor ETF
    MTUM - US46432F3964
    9.98%
  • Invesco NASDAQ 100 ETF
    QQQM - US46138G6492
    9.63%
  • Fidelity Wise Origin Bitcoin Trust
    FBTC - US3159481098
    1.69%
  • iShares Ethereum Trust ETF
    ETHA
    1.42%

This so-called “balanced” portfolio is basically 96% stocks screaming “YOLO” with a name tag that says “moderate.” The core is actually textbook: S&P 500, extended market, and total international do most of the heavy lifting, which is suspiciously sensible. Then it piles on NASDAQ 100, momentum, and a dividend ETF like someone who kept adding funds every time they saw a cool chart. The overlap between S&P 500, NASDAQ 100, and momentum is huge, so the number of tickers looks diversified while the risk is basically: large-cap US growth with extra caffeine. Trimming redundant funds and clarifying the true risk level would clean this up fast.

Warning Historical data is limited for this portfolio, which reduces the confidence in the calculated values.

Growth Info

Historically, a 17.5% Compound Annual Growth Rate (CAGR) is bonkers good. CAGR is just the “average yearly speed” of growth over time, smoothing out the drama. If $10k went in and grew at 17.5% a year, it’d balloon to around $50k in 8 years or so, which is more superhero origin story than balanced portfolio. The flip side: a max drawdown of about -19% is actually mild for something this aggressive, but that’s still a punch in the gut when it hits. Also, 90% of returns came from just 7 days – classic market behavior. Miss those days, miss the magic. Past data helps, but it’s still yesterday’s weather, not tomorrow’s forecast.

Warning Due to limited historical data, this may show extreme values that are not realistic.

Projection Info

The Monte Carlo analysis basically runs a thousand “what if” timelines for the portfolio and sees how often things blow up or prosper. An average simulated annual return of 15.6% is extremely spicy for something labeled “balanced,” and roughly 79% of simulations ended positive, which is encouraging but not a guarantee of anything. That nasty 5th percentile of -70% is the “everything goes wrong” universe where you learn how attached you are to your net worth. Monte Carlo is just a fancy stress test, not a crystal ball; it assumes the future kinda rhymes with the past. Anyone using numbers like 23.6% expected return should treat them as a high bar, not a promise.

Asset classes Info

  • Stocks
    96%
  • Other
    3%
  • Cash
    0%
  • No data
    0%

Asset-class split: 96% stocks, 3% “other” (crypto), 0% cash, and apparently bonds are on witness protection. For something tagged “balanced,” this looks more like an “I’ll sleep when I’m rich” growth setup. Stocks are the drama kids of investing: high energy, great upside, but very loud during crises. Bonds and stable assets are the boring friends who stop you from doing something stupid at 2 a.m. Here, there’s almost no adult supervision. If the goal truly is balanced risk, adding a real chunk of lower-volatility assets and maybe a modest cash buffer would make the ride less stomach-churning without killing growth. Right now, it’s growth maximalism in business casual.

Sectors Info

  • Technology
    28%
  • Financials
    13%
  • Industrials
    11%
  • Consumer Discretionary
    9%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    6%
  • Energy
    5%
  • Basic Materials
    3%
  • Real Estate
    2%
  • Utilities
    2%

Sector mix screams “Tech is my favorite child.” About 28% in technology, then financials, industrials, consumer cyclicals, and healthcare spread reasonably behind it. Compared to broad indexes, this is slightly techier and a bit more growth-flavored, especially with NASDAQ 100 and momentum in the mix. It’s not a full-blown tech addiction, but it’s definitely leaning in. In a boom, that’s glorious; in a tech crash, it’s “why is everything red?” territory. Sector ETFs and broad index funds already bake in diversification, so stacking multiple growth-heavy funds quietly dials up concentration. Dialing back overlapping high-tech exposure and allowing more boring sectors to exist would make downturns less of a horror show.

Regions Info

  • North America
    81%
  • Europe Developed
    7%
  • Japan
    3%
  • Asia Developed
    2%
  • Asia Emerging
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Europe Emerging
    0%

Geography wise, this is very much “America first and everyone else if there’s room.” Roughly 81% North America, then a dusting of Europe, Japan, developed Asia, and token amounts of emerging markets. For a US-based investor, home bias like this is normal, but it also assumes America stays king indefinitely. Developed international and emerging markets can zig when the US zags, or at least stumble at a different rhythm. The total international ETF helps, but it’s playing backup singer, not lead. Pushing non-US exposure a bit higher could soften US-specific shocks and tap into global growth, without abandoning the comfort of US dominance. Surprisingly sensible start, just underpowered abroad.

Market capitalization Info

  • Large-cap
    33%
  • Mega-cap
    32%
  • Mid-cap
    20%
  • Small-cap
    9%
  • Micro-cap
    3%

Market-cap mix is mostly mega and big caps (about 65%), with a decent side of mid, and a snack-sized serving of small and micro caps. This is actually one of the saner elements: large caps keep things somewhat stable, while extended market adds some chaos from smaller names. It’s very index-core with a growth lean, not some wild small-cap obsession. Still, layering NASDAQ 100 and momentum on top means the “big names” dominate even more, so it’s basically a popularity contest where Apple, Microsoft, and friends win every time. If the intent is real diversification across company sizes, the smaller-cap slice may need more weight instead of more mega-cap clones.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Invesco NASDAQ 100 ETF
    High correlation

Correlation is how much things move together, like friends who always show up at the same parties and leave at the same time. Here, S&P 500 and NASDAQ 100 are highly correlated, meaning they both tend to soar and crash in sync. Add momentum, and it’s basically three variations of “US growth stocks having a mood swing.” Highly correlated assets don’t rescue each other in a crisis; they just panic together. That kills the point of diversification, which is having some things zig when others zag. Trimming overlapping US large-cap growth exposure and mixing in assets that actually behave differently would give real risk spreading, not just a crowded ticker list.

Dividends Info

  • iShares Core MSCI Total International Stock ETF 3.00%
  • iShares MSCI USA Momentum Factor ETF 0.90%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.30%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Extended Market Index Fund ETF Shares 1.10%
  • Weighted yield (per year) 1.54%

Total yield of about 1.5% is… fine, but no one is retiring off that cash flow. The dividend ETF is doing the heavy lifting at around 3.3%, while the growthy stuff like NASDAQ 100 and momentum barely bother. This is a growth-focused setup pretending to care about income. Dividends can be helpful for stability and psychological comfort—getting paid to wait feels nicer in bear markets—but chasing yield too hard can lead to slow, lumbering companies and sector concentration. Here, the balance is actually okay, just not truly income-focused. If steady cash flow is a serious goal, the dividend slice needs to be bigger and the expectation for yield much higher than this starter-level trickle.

Ongoing product costs Info

  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • iShares Core MSCI Total International Stock ETF 0.07%
  • iShares MSCI USA Momentum Factor ETF 0.15%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Extended Market Index Fund ETF Shares 0.06%
  • iShares Ethereum Trust ETF 0.25%
  • Weighted costs total (per year) 0.07%

Costs are the one area where this portfolio acts like it knows what it’s doing. A total expense ratio around 0.07% is impressively low; that’s “I actually read the fund factsheet” energy. Even the crypto pieces at 0.25% each are relatively tame for that circus. Fees are the quiet leak that slowly sinks long-term returns, so keeping them this low is a big structural win. You basically found the sale rack and stayed there, which is good. The funny part is the money saved on fees is then thrown at a high-octane risk profile. Still, on the cost front alone, this setup is suspiciously competent and needs no real repair, just continued discipline.

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.

From a risk–return efficiency perspective, this thing is doing well but leaving money on the table. The “efficient frontier” is just the best mix of assets for each risk level—max return for a given level of nausea. Here, an alternative combo at the same risk supposedly offers about 23.6% expected returns, which is wild and should be treated as theoretical best-case math, not a promise. The big inefficiency is overlapping US growth exposure that doesn’t add much diversification. Cleaner building blocks—less redundancy, more true diversifiers—could squeeze more expected return for the same volatility or the same return for less drama. Right now, it’s strong, but a bit messy and ego-driven.

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