Roast mode 🔥

A momentum soaked stock rocket pretending to be a sensible balanced portfolio

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 suits someone who says “balanced” out loud but secretly enjoys volatility as a personality trait. It points to a fairly high risk tolerance, a love of momentum and themes, and a focus on long-term growth over steady income. The ideal owner has a multi-decade horizon, doesn’t flinch at double-digit drawdowns, and isn’t planning to live off this money anytime soon. Patience and emotional control are non‑negotiable here; anyone prone to panic-selling probably shouldn’t be near this. It’s designed for someone who wants to lean into equity markets hard, accept that returns will be lumpy and sometimes brutal, and trusts their future self not to freak out when the fun temporarily stops.

Positions

  • Schwab U.S. Large-Cap Growth ETF
    SCHG - US8085243009
    15.00%
  • Invesco S&P 500® Momentum ETF
    SPMO - US46138E3392
    15.00%
  • SPDR® Portfolio S&P 1500 Composite Stock Market ETF
    SPTM - US78464A8053
    15.00%
  • Invesco S&P MidCap Momentum ETF
    XMMO - US46137V4648
    15.00%
  • Avantis® International Equity ETF
    AVDE - US0250727031
    10.00%
  • Invesco S&P International Developed Momentum ETF
    IDMO - US46138E2220
    10.00%
  • First Trust RBA American Industrial RenaissanceTM ETF
    AIRR - US33738R7044
    5.00%
  • EA Series Trust
    FTWO - US02072L5571
    5.00%
  • Defiance Quantum ETF
    QTUM - US26922A4206
    5.00%
  • SPDR® S&P Aerospace & Defense ETF
    XAR - US78464A6313
    5.00%

This setup looks like someone took “balanced” and translated it as “balanced between different flavors of adrenaline.” You’ve basically stacked momentum on top of momentum, then tossed in a broad market ETF so it looks respectable on paper. A so‑called balanced profile that is 100% equities and heavily factor-tilted (momentum and growth) is not standard; most “balanced” setups mix in bonds or at least some boring stabilizers. Think of this as a sports car with four different turbochargers and one regular tire. If the goal is long-term growth with less drama, introducing some lower-volatility assets or dialing back the momentum overdose would make this look less like a market highlight reel.

Growth Info

A 27% CAGR is the kind of number that makes people forget risk exists. CAGR (Compound Annual Growth Rate) is basically “your average speed over the whole trip,” even if you were flooring it half the time and braking hard the rest. Beating common broad benchmarks that usually sit in the high single to low double digits is impressive, but also screams “conditions were very friendly to this style.” The max drawdown around -19% is actually tame for such a spicy portfolio, but that’s backwards-looking comfort. Past data is yesterday’s weather: useful, but not a weather forecast. Expect that future slumps could easily be deeper, especially if momentum falls out of fashion for a stretch.

Projection Info

The Monte Carlo results here look like they were generated by an optimist after three espressos. Monte Carlo just runs tons of random what‑if scenarios using historical patterns to guess where things might land. Seeing every one of 1,000 simulations positive, with median results implying 40‑plus‑bagger territory, should trigger a healthy “yeah, right” reflex. That annualized 33% from simulations is fantasy-land if treated as destiny, not possibility. Real markets change character, regimes shift, and momentum has long stretches where it just faceplants. Treat these projections as “this could happen in some parallel universe” rather than a plan. Building expectations around more sober long-run equity returns would keep future you from feeling misled.

Asset classes Info

  • Stocks
    100%
  • Cash
    0%
  • Other
    0%

Asset class “diversification” here is a joke: it’s 100% stocks, 0% cash, 0% anything else, yet it’s labeled balanced and moderately diversified. That’s like calling a diet of only hot wings “macro-balanced” because there’s protein and fat. Pure equity portfolios are fine for someone with the stomach and time horizon, but they are not balanced in the traditional sense. There’s no ballast: no bonds, no cash buffer, no real alternative assets that zig when stocks zag. In a major crash, everything in here is likely to sink at once and hard. If the intent is genuine balance, sprinkling in less correlated assets would turn this from a roller coaster into at least a well-engineered roller coaster.

Sectors Info

  • Technology
    25%
  • Industrials
    24%
  • Financials
    16%
  • Consumer Discretionary
    7%
  • Telecommunications
    7%
  • Health Care
    5%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Energy
    4%
  • Utilities
    3%
  • Real Estate
    2%

Sector-wise, this is a tech‑industrial tag team with finance as the sidekick: roughly a quarter in technology and another quarter in industrials, plus a chunky dose of financials. It’s like you built a portfolio for the “growthy manufacturing and innovation economy” and left defensive sectors just enough space to claim they’re invited. Sure, you’ve got all eleven sectors technically represented, but the tilt is clear: this portfolio wants economic expansion, innovation, and industrial strength to keep winning. When the cycle turns and investors cling to dull stuff like staples and utilities, this setup can lag badly. Bringing sector weights closer to broad-market proportions or softening the industrial/tech obsession could help avoid looking like a one-theme fanboy in the next downturn.

Regions Info

  • North America
    81%
  • Europe Developed
    12%
  • Japan
    3%
  • Asia Developed
    1%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Asia Emerging
    0%
  • Latin America
    0%
  • Europe Emerging
    0%

Geographically, this is a pretty loud “America first and second and maybe Europe if we feel generous.” About 81% in North America with a bit of developed Europe and a token sprinkle of Japan and others. Emerging markets are basically a rumor. Compared with global equity indexes, that is a heavier home bias than average, which is common for U.S. investors but still a risk: if U.S. valuations compress or the rest of the world has its moment, this portfolio will be late to that party. The one redeeming feature: at least there is some non‑U.S. exposure. Nudging more toward a truly global mix could reduce the “if the U.S. catches a cold, this portfolio gets pneumonia” problem.

Market capitalization Info

  • Mega-cap
    33%
  • Large-cap
    28%
  • Mid-cap
    22%
  • Small-cap
    15%
  • Micro-cap
    1%

The market cap mix looks like a reasonably sensible accident: about one‑third mega, one‑third large, then decent exposure to mid and small caps. This gives you more punch than a pure mega‑cap index but also more ways to get punched. Small and mid caps can outperform long term, but they swing harder and suffer more in recessions and liquidity panics. With all the momentum and factor tilts layered on top, the smaller stuff can behave like a leverage button during stress. If stability is any kind of goal, toning down the small‑cap plus momentum combo would lower the chance that a normal correction feels like a personal crisis. Otherwise, buckle up and at least be honest that this is a go‑big‑or‑go‑home configuration.

Dividends Info

  • First Trust RBA American Industrial RenaissanceTM ETF 0.20%
  • Avantis® International Equity ETF 2.50%
  • EA Series Trust 0.90%
  • Invesco S&P International Developed Momentum ETF 3.50%
  • Defiance Quantum ETF 1.00%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Invesco S&P 500® Momentum ETF 0.80%
  • SPDR® Portfolio S&P 1500 Composite Stock Market ETF 1.10%
  • SPDR® S&P Aerospace & Defense ETF 0.40%
  • Invesco S&P MidCap Momentum ETF 0.70%
  • Weighted yield (per year) 1.18%

With a total yield around 1.18%, this thing clearly isn’t here for the paycheck. It’s a growth and momentum chaser, not a income machine. Dividends are like a steady paycheck from your investments; low yield means you’re mostly relying on price gains and market mood, not actual cash being handed back. That’s fine for someone in pure accumulation mode, but terrible if someone expects this to fund living expenses anytime soon. Relying almost entirely on capital gains means that in bad markets, selling shares at ugly prices becomes the only way to generate cash. For a future income phase, layering in more yield-focused or stable holdings over time would save a lot of regret.

Ongoing product costs Info

  • First Trust RBA American Industrial RenaissanceTM ETF 0.70%
  • Avantis® International Equity ETF 0.23%
  • EA Series Trust 0.49%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Defiance Quantum ETF 0.40%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Invesco S&P 500® Momentum ETF 0.13%
  • SPDR® Portfolio S&P 1500 Composite Stock Market ETF 0.03%
  • SPDR® S&P Aerospace & Defense ETF 0.35%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.23%

Costs are the one area where this portfolio doesn’t completely misbehave. A total TER of about 0.23% is actually quite reasonable, especially given the number of flashy smart‑beta and thematic ETFs in the mix. It’s like walking into a fancy restaurant and somehow not getting ripped off on the bill. Still, a few pieces are pricey for what they are—the 0.70% and ~0.40–0.50% funds are definitely not cheap in ETF land. Over decades, even that difference adds up like a slow tax. Swapping high‑fee toys for lower‑cost, plainer vehicles with similar exposure would keep more returns in your pocket instead of tipping the fund managers for drama.

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 angle, this portfolio is basically saying, “I heard about the Efficient Frontier and decided to live beyond it.” The Efficient Frontier is just the best trade-off line between risk and return for a given mix of assets. Here, you’re taking a lot of equity risk, plus extra factor risk (momentum, growth, sector tilts) without using much in the way of actual risk dampeners. It’s like driving 90 mph in the rain but skipping good tires because, hey, the last trip went fine. You’re getting strong historical returns, sure, but likely with more risk than needed to hit reasonable goals. Blending in stabilizers and reducing overlapping risk factors could move this closer to “efficient” and away from “YOLO in a suit.”

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