Growth focused equity portfolio with strong factor tilts and room for efficiency upgrades

Report created on Mar 26, 2026

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

Growth Investors

This setup fits an investor who is comfortable with meaningful market swings in pursuit of strong long‑term growth. The ideal profile is someone with a multi‑decade horizon, stable income outside the portfolio, and no need to tap these funds during typical downturns. They likely believe in evidence‑based investing and are open to factor tilts like value, quality, and small size rather than just plain indexes. Emotionally, they can tolerate 30%+ drawdowns without abandoning the plan. Their goals might include building substantial wealth, funding retirement with a long runway, or growing capital for future generations, with income today being secondary to maximizing total return over time.

Positions

The portfolio is heavily equity-focused, with 89% in stocks and 10% in gold, clearly aligned with a growth profile. A large core allocation goes to broad US large caps, complemented by international stocks plus targeted small‑cap value, mid‑cap quality, and S&P 500 momentum sleeves. This structure mixes broad market exposure with deliberate tilts toward specific characteristics that research has linked to higher long‑term returns. The gold slice adds a distinct “other” asset that behaves differently from stocks. Overall, this is a high‑conviction, growth‑oriented setup. For someone who can tolerate meaningful ups and downs, this mix can be a powerful way to pursue long‑term capital appreciation.

Growth Info

Historically, the portfolio turned $1,000 into about $2,460 from late 2019 to early 2026, a compound annual growth rate (CAGR) of 15.63%. CAGR is the “average speed” of growth per year, smoothing out the bumps. That’s ahead of both the US market (14.71%) and global market (12.30%), which is a strong result. Max drawdown, the worst peak‑to‑trough drop, was about -32.7%, similar to the benchmarks, showing you didn’t avoid big hits but were paid for the risk with higher returns. Only 24 days made up 90% of returns, highlighting how a handful of strong days drive long‑term outcomes, and why staying invested matters. Remember, past performance doesn’t guarantee future results.

Projection Info

The Monte Carlo projection uses the portfolio’s historical return and volatility to simulate 1,000 possible 10‑year futures, like running many “what if” market paths. The median outcome turns $1,000 into about $7,507 (a 650% cumulative return), while the 5th percentile roughly doubles your money and the upper scenarios are far higher. The average simulated annual return of 17.71% reflects strong historical behavior, but it’s inherently uncertain. Monte Carlo can’t foresee regime shifts, policy changes, or new crises; it simply scrambles past patterns in different sequences. The key takeaway: the range of outcomes is wide, but the distribution is skewed positively, which fits a high‑growth, high‑risk profile. It supports staying long‑term oriented and mentally prepared for volatility along the way.

Asset classes Info

  • Stocks
    89%
  • Other
    10%

Asset‑class exposure is very clean: roughly 89% in equities and 10% in gold, with almost no bonds or cash indicated. This is much more aggressive than a typical balanced or retirement‑age portfolio, which would usually hold a sizeable bond cushion to smooth out crashes. The benefit is strong growth potential and direct participation in global corporate earnings. The tradeoff is sharper drawdowns and a bumpier ride during market stress. The gold allocation is a nice diversifier because it often behaves differently from stocks, especially in inflation scares or crises, though it can also be volatile. For an investor with a long horizon and stable income elsewhere, this equity‑heavy mix can be very sensible; for shorter horizons, adding some defensive assets could reduce risk.

Sectors Info

  • Technology
    22%
  • Financials
    14%
  • Industrials
    13%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Energy
    6%
  • Telecommunications
    6%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    1%

Sector exposure is broad, with technology the largest slice at 22%, followed by financials, industrials, consumer cyclical, and healthcare, plus smaller allocations to energy, communication services, consumer defensive, materials, utilities, and real estate. This looks reasonably diversified and not wildly out of line with common benchmarks, though the tilt toward tech and cyclicals reflects the growth and factor sleeves. Tech‑heavier allocations tend to shine when innovation and earnings growth lead, but they can be hit harder when interest rates rise or sentiment turns against high‑growth names. Having meaningful weights in financials, industrials, and defensives provides some balance. This sector mix is a solid, broadly spread foundation but still leans pro‑growth rather than ultra‑defensive.

Regions Info

  • North America
    71%
  • Europe Developed
    8%
  • Japan
    4%
  • Asia Developed
    2%
  • Asia Emerging
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, about 71% is in North America, with the rest spread across developed Europe and Japan plus smaller slices in other regions. That’s somewhat more US‑tilted than a pure global index, which often has the US in the 55–65% range, but still offers decent international diversification. This US bias has helped in recent years, as US stocks have outperformed many regions, and aligning with the domestic market is common for US‑based investors. The non‑US positions still provide exposure to different economic cycles, currencies, and policy regimes, which can reduce long‑term risk. The main tradeoff is that heavy US dependence means portfolio outcomes will still be strongly tied to the fortunes of the American market and dollar.

Market capitalization Info

  • Mega-cap
    28%
  • Large-cap
    23%
  • Mid-cap
    17%
  • Small-cap
    16%
  • No data
    10%
  • Micro-cap
    6%

Market‑cap exposure is nicely layered: 28% mega caps, 23% big, 17% mid, 16% small, 6% micro, and 10% unknown (likely smaller or more specialized names). This is more tilted to smaller companies than a typical broad market index, which is usually dominated by mega and large caps. Smaller firms often have higher growth potential but more volatility and business risk, while mega caps tend to be more stable and widely researched. Spreading across the size spectrum increases diversification and can boost long‑term returns, especially when paired with value and quality screens. The unknown bucket isn’t necessarily a concern; it just reflects data limitations. Overall, the size mix matches a thoughtful, factor‑aware growth approach rather than a plain vanilla index.

True holdings Info

  • NVIDIA Corporation
    3.66%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Apple Inc
    2.32%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Broadcom Inc
    1.75%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Microsoft Corporation
    1.74%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Alphabet Inc Class A
    1.65%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Alphabet Inc Class C
    1.32%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Amazon.com Inc
    1.21%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Johnson & Johnson
    0.99%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Micron Technology Inc
    0.96%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Exxon Mobil Corp
    0.88%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
  • Top 10 total 16.49%

Looking through the ETFs, the top underlying exposures are familiar mega‑cap names like NVIDIA, Apple, Microsoft, Alphabet, Amazon, and Broadcom. None of these are individually oversized, with the largest around 3.7% through overlapping funds, which keeps single‑stock risk moderate. However, these names appear in multiple products, creating hidden concentration in big growth‑oriented companies even though the portfolio also holds value and quality tilts. Because only the top‑10 ETF holdings are captured, actual overlap is likely somewhat higher. This structure is normal for index‑based portfolios, but it’s useful to know that headline diversification across funds can still translate into meaningful dependence on a relatively small group of large, influential companies.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 18%
Size
Exposure to smaller companies
Very high
Data availability: 28%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Very high
Data availability: 10%
Yield
Preference for dividend-paying stocks
No data
Data availability: 0%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 100%

Factor exposure is where this portfolio really stands out. It has strong tilts to value, size (smaller companies), and quality, with moderate exposure to momentum and low volatility. Factor investing targets characteristics like cheapness (value) or profitability (quality) that have historically driven returns over decades, similar to choosing ingredients with a proven track record. A strong value and small‑size tilt can outperform over the long run but may lag during mega‑cap growth booms. Quality tends to help in downturns, while momentum can boost returns in trending markets yet suffer in sharp reversals. Signal coverage isn’t perfect, so numbers aren’t precise, but directionally this is a well‑designed factor blend. It’s a sophisticated structure that aligns with a lot of academic evidence.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 35.00%
    36.9%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 13.00%
    17.6%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 15.00%
    13.9%
  • Invesco S&P 500® Momentum ETF
    Weight: 12.00%
    12.7%
  • Invesco S&P MidCap Quality ETF
    Weight: 10.00%
    11.9%
  • Top 5 risk contribution 93.0%

Risk contribution shows how much each holding actually drives the portfolio’s volatility, which can differ from its weight. The S&P 500 ETF is 35% of the portfolio and contributes about 36.9% of risk, roughly proportional. The US small‑cap value ETF is only 13% by weight but contributes 17.6% of risk, so it’s punchier than its size suggests. The total international fund is slightly under‑contributing, which helps diversification. The top three positions together account for about 68.5% of total risk, meaning a handful of core holdings really dominate portfolio behavior. That level of focus is common, but it’s useful to be intentional about it. Small changes to the more volatile slices can meaningfully shift the overall risk profile without a huge change in headline weights.

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.

On the risk‑return chart, the current portfolio has an expected return of 16.10% with 18.58% volatility, giving a Sharpe ratio of 0.76. The efficient frontier shows that, using only the same holdings, different weightings could deliver better risk‑adjusted outcomes. The optimal mix on that curve has a Sharpe of 1.22 with higher expected return and lower risk—clearly more efficient. Even the minimum‑variance portfolio maintains similar or better return with much less volatility. This means the ingredients are excellent, but the recipe could be fine‑tuned. Reweighting—without adding new funds—could either boost expected return at similar risk or hold return while dialing down swings, making the ride smoother for the same or better payoff.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.00%
  • Avantis® U.S. Small Cap Value ETF 1.40%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • Invesco S&P MidCap Quality ETF 0.50%
  • Weighted yield (per year) 1.32%

The portfolio’s total dividend yield is about 1.32%, which is on the lower side and consistent with a growth‑first design. Higher‑yielding pieces include the international funds, around 3%, while momentum and mid‑cap quality ETFs are lower. Dividends can provide a nice “paycheck” effect and historically have made up a meaningful portion of stock returns, but reinvesting them is often powerful for compounding. A lower yield isn’t necessarily a drawback if underlying companies are reinvesting profits into growth. For someone prioritizing income today, this setup might feel a bit light. For long‑term growth, this level of yield is perfectly reasonable and supports a focus on total return rather than maximizing current cash flow.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • SPDR® Gold Shares 0.40%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Invesco S&P MidCap Quality ETF 0.25%
  • Weighted costs total (per year) 0.15%

The portfolio’s weighted total expense ratio is around 0.15%, which is impressively low for such a factor‑rich structure. Core holdings like the Vanguard S&P 500 and Total International funds are extremely cheap, pulling down the average, while the more specialized Avantis and factor ETFs cost a bit more but still sit in a reasonable range. Costs matter because they come off returns every single year, like a permanent headwind. Keeping them low adds up significantly over decades. Here, you’re getting sophisticated exposures—small value, quality, momentum—without paying hedge‑fund‑style fees. From a cost perspective, this setup aligns very well with best practices and supports strong long‑term performance potential.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

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