A highly aggressive stock heavy portfolio with strong diversification and very unusually high modeled returns

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 mix suits an investor with very high risk tolerance who prioritizes long-term growth over short-term comfort. The ideal user is someone with decades ahead, such as a younger accumulator or anyone with stable income and no near-term need to draw from the portfolio. Sharp market drops would be expected and mentally budgeted for, not treated as emergencies. Goals might include building substantial wealth, funding retirement far in the future, or aggressively growing a nest egg. This personality tends to prefer a mostly stock portfolio, is comfortable with complexity if it brings better structure, and is willing to stay invested through scary headlines and deep but temporary drawdowns.

Positions

  • Vanguard S&P 500 ETF
    VOO - US9229083632
    41.03%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares
    VEA - US9219438580
    19.50%
  • iShares Core S&P Mid-Cap ETF
    IJH - US4642875078
    7.47%
  • Fidelity® Government Money Market Fund
    SPAXX - US31617H1023
    6.16%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares
    VWO - US9220428588
    6.10%
  • Avantis® U.S. Small Cap Value ETF
    AVUV - US0250728773
    5.36%
  • Vanguard International Dividend Appreciation Index Fund ETF Shares
    VIGI - US9219468108
    4.24%
  • Avantis® International Small Cap Value ETF
    AVDV - US0250728021
    4.18%
  • SoFi Technologies Inc.
    SOFI - US83406F1021
    2.51%
  • Fidelity® MSCI Information Technology Index ETF
    FTEC - US3160928087
    1.60%
  • VanEck Semiconductor ETF
    SMH - US92189F6768
    1.23%
  • Avantis Real Estate ETF
    AVRE - US0250723568
    0.62%

This portfolio is heavily tilted toward stock ETFs, with over 90% in equities and a small slice in cash-like holdings. The largest position tracks a broad US large cap index, supported by developed and emerging international funds, plus mid and small cap tilts and a few focused growth positions. This overall layout looks a lot like a growth-oriented benchmark, but with extra spice from small cap value and a single-stock bet. That structure is powerful for long-term growth but can be bumpy. If shorter-term stability is important, nudging a bit more into cash-like or lower-volatility holdings could smooth the ride while still keeping the core stock exposure intact.

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

Growth Info

The reported historic performance numbers (CAGR above 300% with a drawdown barely over 1%) are not realistic for any normal diversified equity portfolio. CAGR, or Compound Annual Growth Rate, is basically the “average yearly speed” of growth over time. For broad stock-based portfolios, long-term CAGRs typically land in the single digits to low teens, with drawdowns that can easily exceed -30% in bad markets. These extreme values almost certainly come from data or calculation issues rather than real-world returns. It makes sense to mentally “discount” these figures and instead assume performance roughly in line with global stocks over long horizons, with substantial volatility during market stress.

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

Projection Info

The Monte Carlo projections also look wildly unrealistic, with simulated ending values implying returns in the thousands of percent annually. Monte Carlo analysis works by taking historic volatility and returns, then simulating many random future paths to show a range of outcomes. If the inputs are flawed, the outputs become meaningless, even if the math is correct. Here, those massive numbers strongly suggest a data or scaling problem. It’s safer to treat these simulations as directionally showing “high risk and high potential” but not as anything close to actual forecasts. For planning purposes, using more modest equity-like return assumptions and real-world drawdowns would give a far more grounded outlook.

Asset classes Info

  • Stocks
    93%
  • Cash
    1%
  • Other
    0%
  • No data
    0%

This portfolio is overwhelmingly in stocks, with roughly 93% in equities and only a sliver in cash. That’s fully consistent with the speculative risk score and a high-growth mindset. Equities historically offer higher long-term returns than bonds or cash, but they also drop more sharply in market downturns. The small allocation to a money market fund can help with short-term liquidity but won’t meaningfully cushion big equity pullbacks. For someone with a very long horizon and strong stomach for volatility, this stock-heavy mix can make sense. For anyone needing money within a few years, nudging more toward defensive assets could help manage the risk of having to sell during a downturn.

Sectors Info

  • Technology
    23%
  • Financials
    18%
  • Industrials
    12%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Telecommunications
    6%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Energy
    4%
  • Real Estate
    3%
  • Utilities
    2%

Sector exposure is broad and well spread across technology, financials, industrials, consumer areas, healthcare, and more. This allocation is well-balanced and aligns closely with global standards, with a healthy but not extreme tilt toward technology. Tech and related growth areas can drive strong performance, especially when innovation and earnings growth are strong, but they can also get hit hard when interest rates rise or sentiment turns. The presence of financials, industrials, healthcare, and consumer sectors helps offset relying too heavily on one story. If comfort with volatility ever declines, trimming narrowly focused growth segments or single names while keeping broad diversified funds could reduce sector-specific swings.

Regions Info

  • North America
    62%
  • Europe Developed
    14%
  • Japan
    7%
  • Asia Emerging
    4%
  • Asia Developed
    3%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Europe Emerging
    0%

Geographically, the portfolio leans solidly toward North America, with meaningful but smaller stakes in developed Europe, Japan, and bits of emerging regions. That pattern is similar to many world benchmarks, though the US tilt is somewhat stronger, which has helped over the last decade. Home bias is common and can feel comfortable, but it also ties fortunes more closely to one economy and currency. The international positions add useful diversification because overseas markets don’t always move in lockstep with the US. This allocation is well-balanced and aligns closely with global standards, though anyone wanting a more global flavor could gradually boost non-US exposure for a slightly broader spread of economic drivers.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    27%
  • Mid-cap
    17%
  • Small-cap
    11%
  • Micro-cap
    3%

The portfolio spans a wide range of company sizes, from mega caps down through small and even micro caps. Larger companies usually bring more stability and liquidity, while mid and small caps can offer higher growth potential but with sharper ups and downs. The added small cap value and international small cap positions deliberately tilt toward factors that have historically provided a return premium over very long periods, albeit with more volatility. This structure is quite thoughtful and goes beyond a simple market-weighted index. If the swings in small and micro caps ever feel uncomfortable, shifting part of those into broad large-and-mid cap funds could preserve diversification while dialing down extreme moves.

Redundant positions Info

  • Avantis® U.S. Small Cap Value ETF
    Fidelity® Government Money Market Fund
    Avantis® International Small Cap Value ETF
    iShares Core S&P Mid-Cap ETF
    Vanguard S&P 500 ETF
    Vanguard FTSE Emerging Markets Index Fund ETF Shares
    Fidelity® MSCI Information Technology Index ETF
    Vanguard International Dividend Appreciation Index Fund ETF Shares
    VanEck Semiconductor ETF
    Vanguard FTSE Developed Markets Index Fund ETF Shares
    High correlation

Most of the equity ETFs in this portfolio are highly correlated, meaning they tend to move in the same direction at the same time. Correlation is basically how “in sync” different holdings are. In a global equity selloff, broad US, international developed, and emerging markets often fall together, which limits how much diversification can protect during panics. Still, diversification across styles, sizes, and regions helps at the margin and in more normal periods. The suggestion to trim overlapping, highly correlated exposures is sensible: consolidating into fewer broad, low-cost funds could simplify the lineup without materially changing risk. Any changes should respect the desired growth tilt and long-term plan.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.70%
  • Avantis Real Estate ETF 4.00%
  • Avantis® U.S. Small Cap Value ETF 1.40%
  • Fidelity® MSCI Information Technology Index ETF 0.40%
  • iShares Core S&P Mid-Cap ETF 1.20%
  • VanEck Semiconductor ETF 0.30%
  • Fidelity® Government Money Market Fund 1.50%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.90%
  • Vanguard International Dividend Appreciation Index Fund ETF Shares 2.10%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.60%
  • Weighted yield (per year) 1.67%

The overall dividend yield around 1.7% is modest, which is normal for a growth-tilted equity portfolio. Some of the international and real estate positions contribute higher yields, while tech and small caps pay relatively little. Dividends can provide a small but steady cash stream, useful for reinvestment or future withdrawals, yet they’re only one piece of total return along with price gains. For long-term accumulators, reinvesting dividends automatically is usually powerful, letting compounding quietly work in the background. If dependable income ever becomes a priority, gradually increasing exposure to higher-yielding but still diversified equity or income strategies could boost cash flow without abandoning a stock-oriented approach.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis Real Estate ETF 0.17%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Fidelity® MSCI Information Technology Index ETF 0.08%
  • iShares Core S&P Mid-Cap ETF 0.05%
  • VanEck Semiconductor ETF 0.35%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard International Dividend Appreciation Index Fund ETF Shares 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Weighted costs total (per year) 0.07%

The cost profile here is excellent. The weighted total expense ratio around 0.07% is extremely low, thanks mainly to broad-market index ETFs from low-cost providers. Low costs are crucial because fees compound against you year after year, just like returns compound for you. A portfolio with very low ongoing expenses has a built-in head start versus similar ones with higher fees. The slightly pricier factor and niche funds are used sparingly, so they don’t drag much on the overall average. The costs are impressively low, supporting better long-term performance. There’s no pressing need to change anything on the fee front, beyond checking now and then for cheaper similar options.

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.

The Efficient Frontier is a concept that shows the best possible balance between risk and return using a given set of assets. “Efficiency” here means getting the highest expected return for a chosen risk level, not necessarily maximizing diversification in every dimension. The analysis suggests that, just by reshuffling among these existing holdings, a higher expected return could be achieved at the same or slightly different risk. However, because the current return and simulation inputs look unrealistically high, those optimization numbers shouldn’t be taken literally. The more practical takeaway is to simplify overlapping, highly correlated funds and clarify the desired risk level, then adjust weights to match that target with as few moving parts as needed.

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