A high growth momentum tilted portfolio with strong crypto exposure and limited diversification beyond the US
as of Mar 14, 2026Risk 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 suits someone with a high risk tolerance, a growth-first mindset, and a long investment horizon—think 10 years or more. The ideal personality is comfortable with large swings in account value and can stay invested through sharp drawdowns without panicking. Typical goals might include aggressively building wealth, aiming for substantial long-term appreciation, or trying to outperform broad markets, accepting the real possibility of big interim losses. This kind of investor tends to be less focused on current income and more on future payoff, and is often willing to embrace newer, more volatile assets like crypto as a meaningful but not dominant slice of their overall strategy.
Positions
-
Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 50.00% -
Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 35.00% -
iShares Bitcoin Trust
IBIT - US46438F1012 15.00%
This portfolio is very concentrated in three positions: a broad stock market fund, a momentum-focused fund, and a single crypto trust. Together they create a growth-oriented structure with 85% in stocks and 15% in crypto, plus almost no cash or defensive assets. Compared with typical balanced benchmarks that mix stocks and bonds, this setup is much more aggressive and focused on capital appreciation. That can be powerful in strong markets but painful in deep downturns. For someone happy with this aggressive stance, one path is to keep the core broad-market fund as an anchor while deciding whether the extra momentum and crypto tilts are sized at a level that still feels emotionally manageable in a bad year.
True holdings
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Grayscale Bitcoin Mini Trust (BTC) 15.00%Part of fund(s):
- iShares Bitcoin Trust
-
NVIDIA Corporation 6.61%Part of fund(s):
- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
Broadcom Inc 4.47%Part of fund(s):
- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
Meta Platforms Inc. 3.84%Part of fund(s):
- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
Apple Inc 2.87%Part of fund(s):
- Vanguard Total Stock Market Index Fund ETF Shares
-
Microsoft Corporation 2.40%Part of fund(s):
- Vanguard Total Stock Market Index Fund ETF Shares
-
JPMorgan Chase & Co 1.85%Part of fund(s):
- Invesco S&P 500® Momentum ETF
-
Amazon.com Inc 1.73%Part of fund(s):
- Vanguard Total Stock Market Index Fund ETF Shares
-
Alphabet Inc Class A 1.48%Part of fund(s):
- Vanguard Total Stock Market Index Fund ETF Shares
-
Walmart Inc. Common Stock 1.38%Part of fund(s):
- Invesco S&P 500® Momentum ETF
- Top 10 total 41.61%
Looking through the top holdings, there is a clear tilt toward large, fast-growing names like major chipmakers, big platforms, and leading banks, plus a sizable indirect crypto exposure via a bitcoin trust. Because the look-through only uses the top 10 ETF positions, overlap between funds is understated and real concentration in these names is likely higher. This matters because several of these companies tend to move together in risk-on markets and can fall together in risk-off phases. A practical step is to periodically review whether the combined size of these overlapping giants still fits your comfort level, especially if one or two start dominating the portfolio’s day-to-day swings.
Growth
Historically, the portfolio’s compound annual growth rate (CAGR) around 22% is extremely strong. CAGR is like your average speed on a long road trip, smoothing out all the stops and accelerations. A max drawdown around -20% means the worst peak-to-trough drop so far has been sharp but not extreme relative to the risk profile. Only 13 days made up 90% of returns, which shows that missing a few big up days would have had a big impact. While this backward-looking picture is impressive, past results can’t guarantee future outcomes, especially with crypto involved. A sensible move is to ask whether you could tolerate a larger drawdown than you’ve seen so far if markets turn rough.
Projection
The Monte Carlo analysis simulates many possible futures using historical patterns to show a range of outcomes. It’s like running 1,000 alternate timelines based on past behavior, not a crystal ball. The results show a wide spread: in weaker cases, the portfolio still ends significantly higher, while the median and upper scenarios are extremely strong, helped by the high-risk nature of stocks and crypto. Nearly all simulations end up positive, but that’s mainly because they lean heavily on a very strong historical period. It’s important to remember markets change; using this as a rough guide rather than a promise, you might decide whether the very wide range of outcomes fits your long-term plans and stress tolerance.
Asset classes
- Stocks 85%
- Crypto 15%
- Cash 0%
- Other 0%
Asset allocation is heavily skewed: about 85% in stocks, 15% in crypto, with no bonds or cash buffers. Compared with common benchmarks that include meaningful bond exposure, this is firmly in the “growth” or even “aggressive growth” camp. The upside is strong long-term return potential; the downside is more severe drops and a bumpier ride. Crypto, though only 15% by weight, is highly volatile and can dominate short-term moves. For someone comfortable with that, the structure is coherent. For anyone who wants smoother performance, one way forward would be to consider gradually adding more stabilizing assets over time, especially as the overall portfolio grows or as major life goals get closer.
Sectors
- Technology 28%
- Crypto 15%
- Financials 14%
- Telecommunications 10%
- Industrials 9%
- Consumer Discretionary 7%
- Health Care 6%
- Consumer Staples 5%
- Utilities 2%
- Energy 2%
- Real Estate 2%
- Basic Materials 1%
Sector-wise, this setup leans hard into technology and related growth areas, with meaningful exposure to financials, communication services, and industrials. This is broadly similar to many modern equity benchmarks but slightly more tilted toward high-growth, tech-adjacent names, which aligns with the momentum exposure. That alignment with benchmark sector mixes is a positive sign for diversification within equities: most major sectors are represented to some degree. However, tech-heavy and growth-heavy allocations can be more sensitive when interest rates rise or when investors rotate into cheaper, slower-growing areas. A simple approach is to check whether the current tech and growth orientation reflects an intentional long-term view, or whether dialing it back a notch would better match your comfort in choppy markets.
Regions
Crypto positions are excluded from this geography breakdown.
- North America 85%
- Asia Emerging 0%
- Europe Developed 0%
- Latin America 0%
- Asia Developed 0%
Geographically, almost all equity exposure sits in North America, with no meaningful allocation to Europe or Asia. Many global benchmarks hold a significant portion outside the US, so this is a clear home-country tilt. This can be beneficial when US markets outperform, as they have for much of the last decade, and it simplifies currency risk. The trade-off is missing diversification benefits when other regions shine or when US valuations become stretched. Crypto is excluded from this breakdown and behaves more like a global risk asset. If a more balanced worldwide footprint is desired, gradually adding some non-US exposure over time could help spread economic and policy risk beyond a single region.
Market capitalization
Crypto positions are excluded from this market-cap breakdown.
- Mega-cap 34%
- Large-cap 32%
- Mid-cap 14%
- Small-cap 3%
- Micro-cap 1%
The portfolio leans strongly toward mega and large companies, with smaller allocations in mid, small, and micro caps. This is close to how broad market benchmarks are structured, which is a good sign for stability and liquidity. Large firms often have more diversified businesses and stronger balance sheets, which can reduce company-specific risk. On the other hand, limited small-cap exposure means less participation in potential high-growth, early-stage companies that sometimes drive outsized returns over long periods. A practical path could be to keep the broad large-cap base as the main engine while deciding whether a modest increase in smaller companies would better reflect a desire for extra growth, acknowledging the extra volatility that comes with them.
Factors
Factor exposure shows strong tilts toward size, low volatility, and momentum. In this context, “factors” are traits like cheapness, trend strength, or stability that research links to returns over time—think of them as the portfolio’s underlying “personality.” A momentum tilt means holdings that have recently done well, which can boost returns in trending markets but hurt in sharp reversals. A low-volatility tilt can soften swings, partly balancing the momentum risk. Data coverage is incomplete, so these readings are approximate, but they still give a useful picture. One useful step is to recognize that momentum and crypto together make the portfolio very pro-risk-on, and to decide whether that trait is something you want to lean into or gradually moderate.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 50.00% 38.5% -
Invesco S&P 500® Momentum ETF
Weight: 35.00% 33.4% -
iShares Bitcoin Trust
Weight: 15.00% 28.1% - Top 3 risk contribution 100.0%
Risk contribution shows how much each holding actually drives overall volatility, which can differ from its simple weight. Here, the bitcoin trust is only 15% of the portfolio but contributes more than a quarter of total risk, with a risk-to-weight ratio well above 1. That means it punches far above its size in shaping day-to-day swings. The two stock ETFs together contribute the remaining risk in a balanced way, which is encouraging and aligns with their weights. A helpful approach is to treat crypto sizing as a “risk dial”: if large swings feel exciting but acceptable, the current level may be fine; if they would feel overwhelming, trimming that slice could quickly tame overall volatility.
Dividends
- Invesco S&P 500® Momentum ETF 0.80%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Weighted yield (per year) 0.83%
The overall dividend yield of around 0.8% is modest, which is normal for a growth-focused setup. Dividends are cash payments from companies; they can be a nice “paycheck” from investments but are less central when the priority is capital appreciation. The emphasis here is clearly on price growth rather than income, especially with crypto providing no yield. This is well aligned for someone in an accumulation phase who is reinvesting income and doesn’t need regular cash flow. If at some point steady income becomes a goal, gradually shifting a portion of the portfolio toward higher-yielding holdings could help, though it usually means accepting slower growth and a different mix of sectors and styles.
Ongoing product costs
- iShares Bitcoin Trust 0.12%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.08%
The total expense ratio (TER) of roughly 0.08% is impressively low. TER is like a small yearly membership fee taken directly from fund assets. Keeping this fee low is one of the few levers almost fully under an investor’s control and has a meaningful impact over decades due to compounding. This cost profile is actually better than many typical portfolios, which often sit closer to 0.20–0.50% or more. That alignment with low-cost best practices strongly supports long-term performance. The main focus going forward doesn’t need to be on shaving costs further, but rather on confirming that the existing low-cost building blocks continue to match the desired risk level and growth orientation over time.
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 perspective, the portfolio sits on the aggressive side of the spectrum, with high expected returns and high volatility. The Efficient Frontier is a concept that maps the best possible trade-offs between risk and return using just the current building blocks by changing their weights. “Efficient” here means the best ratio of return to risk, not the safest or most diversified mix. Given the strong impact of crypto on volatility, slightly lower crypto and slightly higher allocation to the broad stock fund would likely move the portfolio closer to that efficient line while still keeping a growth focus. Any shift should be guided by comfort with drawdowns rather than trying to chase an exact mathematical optimum.
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