A highly aggressive low cost equity heavy portfolio with extensive overlap and limited true diversification

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

Speculative Investors

This setup fits someone with a very high risk tolerance who is mainly focused on long‑term growth rather than stability or income. They’re likely comfortable seeing large swings in portfolio value and can stay invested through bear markets without panicking. The typical goal might be building wealth over decades, such as for retirement far in the future, while accepting that short‑term losses are part of the journey. A cash buffer is small and mostly there for flexibility rather than real protection. Shorter‑term needs, like buying a home soon, would generally be kept outside a structure this aggressive.

Positions

  • State Street® SPDR® Portfolio S&P 500® ETF
    SPYM - US78464A8541
    37.31%
  • Invesco NASDAQ 100 ETF
    QQQM - US46138G6492
    23.51%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    18.66%
  • Vanguard Total Stock Market Index Fund ETF Shares
    VTI - US9229087690
    11.19%
  • Fidelity® Government Money Market Fund
    SPAXX - US31617H1023
    9.33%

This portfolio is built almost entirely from broad stock index ETFs, with a heavy tilt toward large US companies and a modest slice in a government money market fund. The stated asset mix (about half stocks on the report) clearly understates the real equity exposure once overlapping holdings are considered. That mismatch matters because it can give a false sense of safety, especially in sharp market downturns. A more realistic view treats this as a mostly stock portfolio with a small cash buffer. Tightening up the number of overlapping broad market funds and clarifying the true stock allocation can make risk easier to understand and manage.

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

Growth Info

The reported historic numbers (over 200% annualized growth and very small drawdowns) are almost certainly the result of a short sample, data issues, or a backtest quirk. In normal markets, even very strong stock portfolios don’t compound anywhere near 200% a year with only tiny drops. This is important because relying on unrealistically smooth past returns can lead to taking more risk than intended. It’s safer to assume that stocks can and do fall 30–50% at times. Treat these historical figures as a rough, possibly flawed illustration, and set expectations based on broader long‑term equity market history instead of this specific output.

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

Projection Info

The Monte Carlo projections here show astronomical future percentages and all simulations positive, which strongly suggests the inputs are distorted or not scaled correctly. Monte Carlo analysis uses many random paths based on past data to show a range of possible futures, but it’s only as useful as the assumptions going in. If the historical return and risk numbers are off, the projections become more like science fiction than planning tools. It’s better to interpret this as “high risk, high potential reward” and ignore the huge percentages. Future planning should assume more realistic long‑term stock returns and meaningful downside volatility.

Asset classes Info

  • Stocks
    53%
  • Cash
    1%
  • Other
    0%
  • No data
    0%

On paper, the asset‑class split lists around half in stocks and a small amount in cash, but the actual funds reveal that almost everything is in equities with just under 10% in a money market. That means this is effectively an equity‑dominated setup with a small safety cushion. For comparison, a more balanced profile might have a sizable chunk in bonds or other stabilizing assets. The current mix is well‑aligned with a speculative, growth‑oriented profile but will likely swing widely in big market moves. If smoother ride or capital preservation become priorities, gradually increasing the true defensive sleeve would be worth exploring.

Sectors Info

  • Technology
    19%
  • Consumer Discretionary
    6%
  • Financials
    6%
  • Telecommunications
    6%
  • Industrials
    5%
  • Health Care
    4%
  • Consumer Staples
    4%
  • Basic Materials
    2%
  • Energy
    1%
  • Utilities
    1%
  • Real Estate
    1%

Sector exposure is fairly broad, with notable weight in technology and meaningful slices in consumer, financial, industrial, healthcare, and other areas. This pattern closely mirrors broad equity benchmarks, which means sector concentration risk is mostly inherited from the wider market rather than from individual bets. That’s good for staying in line with global trends, but remember that tech‑heavy indexes can be especially sensitive to interest rate changes and growth expectations. This sector mix is well-balanced and aligns closely with global standards. If future comfort with volatility drops, dialing back overall equity exposure matters more than tinkering with sector weights.

Regions Info

  • North America
    36%
  • Europe Developed
    7%
  • Japan
    3%
  • Asia Emerging
    3%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Europe Emerging
    0%

Geographically, the portfolio leans strongly toward North America, with smaller allocations across Europe, Japan, and various developed and emerging regions. This looks similar to many global benchmarks that are naturally dominated by US companies due to market size. That alignment is helpful because it keeps performance tied to the worldwide economy rather than a single niche. However, heavy US exposure also means that a prolonged US downturn would noticeably drag returns. For someone wanting more explicit global balance, nudging the international share higher over time could make sense, but for a US‑based growth approach this current tilt is fairly standard.

Market capitalization Info

  • Mega-cap
    25%
  • Large-cap
    18%
  • Mid-cap
    8%
  • Small-cap
    1%
  • Micro-cap
    0%

Most of the holdings sit in mega and large companies, with smaller portions in mid and only a tiny slice in small caps. This is typical for broad market index funds, which weight companies by their size. Large companies tend to be more stable and widely followed, which can reduce some business‑specific risk but still leaves the portfolio exposed to overall market swings. This structure is well aligned with major benchmarks, supporting solid diversification across many big names. If a stronger tilt toward smaller or more speculative companies is ever desired, that would raise volatility further and should be done carefully and gradually.

Redundant positions Info

  • Vanguard Total International Stock Index Fund ETF Shares
    Fidelity® Government Money Market Fund
    Vanguard Total Stock Market Index Fund ETF Shares
    Invesco NASDAQ 100 ETF
    State Street® SPDR® Portfolio S&P 500® ETF
    High correlation

All the major holdings are reported as highly correlated, which makes sense since they’re broad equity funds tracking overlapping parts of the stock market. Correlation measures how similarly assets move; when everything rises and falls together, it limits the benefits of diversification in a downturn. Here, the S&P 500, total US market, and NASDAQ‑focused fund all tend to move in the same direction, especially in crises. That means the extra tickers don’t add much protection, only slight style tilts. Streamlining overlapping funds into a simpler core could keep the growth profile while making risk easier to monitor and rebalance over time.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Fidelity® Government Money Market Fund 1.50%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • State Street® SPDR® Portfolio S&P 500® ETF 1.10%
  • Weighted yield (per year) 1.33%

The overall yield, around 1.3%, is modest and exactly what you’d expect from a growth‑oriented equity portfolio with a bit in a money market fund. Dividends here are a bonus rather than the main attraction; most of the potential return is expected to come from price growth. The slightly higher yield on international stocks and the money market piece adds a small income boost and some stability. For investors not relying on current cash flow, this setup is fine and keeps tax drag relatively low. If consistent income later becomes a priority, shifting gradually toward higher‑yielding holdings could be considered.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.05%

The cost profile is a real strength. Expense ratios on the main ETFs range from very low to still quite reasonable, and the blended cost is around 0.05%, which is impressively low. Fees compound in reverse over time, so trimming them, as this portfolio does, leaves more of the market’s return in your pocket. This allocation is well-balanced on the cost side and aligns closely with best practices for passive investing. The main opportunity isn’t cutting costs further but simplifying overlapping positions if desired, while keeping that low‑fee mindset firmly in place for anything added or changed in the future.

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.

Efficient Frontier analysis looks for the mix of the existing holdings that gives the best trade‑off between risk and return. Here, the model suggests that, using the same building blocks, a different mix could deliver higher expected returns for the same risk, or similar returns with less volatility. It also highlights that overlapping, highly correlated funds add complexity without meaningfully improving the risk‑return ratio. “Efficiency” here is only about that mathematical balance, not about taxes, behavior, or other personal goals. Treat it as a nudge to simplify and tighten the allocation, not as a strict rule to chase extreme projected numbers.

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