A growth focused portfolio with strong US tilt and meaningful exposure to gold and bitcoin

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 fits an investor who wants strong long‑term growth, is okay with noticeable ups and downs, and doesn’t need big regular income. They likely have a medium‑to‑long time horizon, think in terms of decades rather than years, and are comfortable holding through equity bear markets and crypto volatility without panic selling. Their goals might include building wealth for financial independence, retirement, or major future expenses, with an emphasis on growing the pot rather than protecting every short‑term fluctuation. They probably value low costs and broad diversification but are open to a controlled slice of higher‑risk assets like bitcoin for extra upside potential.

Positions

  • State Street® SPDR® Portfolio S&P 500® ETF
    SPYM - US78464A8541
    60.00%
  • Invesco S&P 500® Momentum ETF
    SPMO - US46138E3392
    15.00%
  • SPDR Gold Mini Shares
    GLDM - US98149E3036
    10.00%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares
    VEA - US9219438580
    10.00%
  • Grayscale Bitcoin Mini Trust (BTC)
    BTC
    5.00%

This portfolio leans heavily on broad US stocks with a big core position plus a momentum tilt, backed up by smaller holdings in developed international stocks, gold, and bitcoin. For a balanced risk profile, that mix creates a clear growth engine with a couple of alternative “shock absorbers” and return wildcards. Structurally, it sits somewhere between a classic 60/40 and a high‑equity growth mix, just with gold and bitcoin taking the place of most bonds. This layout is broadly sensible for long-term wealth building, but it may feel punchy in severe stock or crypto sell‑offs, so sizing cash reserves outside the portfolio becomes pretty important.

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

Growth Info

Historically, the portfolio’s compound annual growth rate (CAGR) of about 20.7% is extremely strong, meaning a hypothetical 10,000 dollars could have grown to around 25,800 dollars in five years. That comfortably beats what a plain large‑cap equity index would typically do over long periods. The max drawdown of about -16% is relatively mild given the presence of bitcoin and momentum exposure, which tend to amplify swings. The fact that just 11 days generated 90% of returns underlines how missing a few big up days can hurt results. It’s useful context, but past returns like this are unusually high and shouldn’t be assumed to continue indefinitely.

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

Projection Info

The Monte Carlo results show a wide range of possible futures: in the pessimistic 5th percentile, the portfolio ends up at roughly 2.3 times the starting value, while the median sits around 16 times and higher percentiles far above that. Monte Carlo is just a tool that runs thousands of “what‑if” paths using past volatility and correlations, so it’s still anchored to history and assumptions that can break in new regimes. The very high average simulated return hints that the inputs are aggressive. It’s useful for framing best‑, base‑, and worst‑case ranges, but setting expectations should lean more conservative than these numbers suggest.

Asset classes Info

  • Stocks
    25%
  • Other
    15%
  • Cash
    0%
  • No data
    0%

Most of the risk here comes from equities and crypto, with gold acting as a partial diversifier rather than a core stabilizer like high‑quality bonds. Equity plus bitcoin exposure dominates long‑term outcomes, which is great for growth but can produce sharp value swings when markets re‑price risk or interest rates. Gold historically has sometimes moved differently from stocks, especially in inflation scares or crisis periods, adding some ballast. However, because alternatives and crypto can also be volatile, they’re not a full substitute for safer income assets. The overall mix is well‑suited to someone comfortable with equity‑style bumps and less concerned with smooth year‑to‑year performance.

Sectors Info

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

Under the hood, sector exposure is anchored in large US equities, with noticeable but not extreme tilts toward technology, financials, and industrials, and smaller slices in communication services, consumer areas, healthcare, utilities, and others. This looks broadly similar to common large‑cap benchmarks, which is a strength: it avoids big one‑way bets on a single industry. The added momentum ETF can subtly exaggerate whichever sectors are currently in favor, often tech or consumer themes when growth stocks lead. That can boost returns in good times but also make the portfolio more sensitive when favored sectors fall out of style, so periodic checks on sector concentration are helpful.

Regions Info

  • North America
    16%
  • Europe Developed
    5%
  • Japan
    2%
  • Asia Developed
    1%
  • Australasia
    1%
  • Africa/Middle East
    0%
  • Asia Emerging
    0%
  • Europe Emerging
    0%
  • Latin America
    0%

Geographically, the portfolio leans heavily on North America, with modest allocations to Europe, Japan, and other developed markets. This is very much in line with how many global benchmarks look today, where the US dominates by market size. That alignment is a plus because it keeps the core equity exposure tied to the world’s largest, most liquid markets. The trade‑off is less exposure to emerging regions, which can provide diversification and sometimes faster growth but also higher political and currency risks. As it stands, geographic risk is concentrated in the US and other developed economies, which many investors are comfortable with over long horizons.

Market capitalization Info

  • Mega-cap
    11%
  • Large-cap
    10%
  • Mid-cap
    4%
  • Small-cap
    0%
  • Micro-cap
    0%

Most holdings are in mega and large‑cap companies, with a small slice in mid‑caps and virtually nothing in small or micro caps. This mirrors many standard broad‑market indices and supports stability: large firms typically have stronger balance sheets, deeper liquidity, and more diversified businesses. That’s a positive alignment with common best practices. The flip side is missing some of the potential upside (and risk) that smaller companies can bring during certain parts of the cycle. The current tilt favors consistency and resilience over speculative growth, which fits well with a “balanced but growth‑oriented” mindset rather than a high‑octane, small‑cap‑heavy approach.

Redundant positions Info

  • State Street® SPDR® Portfolio S&P 500® ETF
    Invesco S&P 500® Momentum ETF
    High correlation

The core US index ETF and the S&P 500 momentum ETF are highly correlated, meaning they tend to move in the same direction at similar times. Correlation just describes how closely two assets’ prices move together; when it’s high, holding both doesn’t add much diversification. The benefit here is a clear, focused bet on the US equity market with a slight performance tilt, which is simple and aligned with many benchmarks. The drawback is that this pair will likely fall together in broad sell‑offs. Trimming overlap or clarifying whether this double‑exposure is intentional can help keep the portfolio design deliberate rather than accidental.

Dividends Info

  • Invesco S&P 500® Momentum ETF 0.80%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 3.10%
  • State Street® SPDR® Portfolio S&P 500® ETF 1.10%
  • Weighted yield (per year) 1.09%

The overall dividend yield around 1.1% is relatively low, mainly because the focus is on large US and developed markets that prioritize total return over high income, plus gold and bitcoin that don’t pay any income. This suits an approach aimed at capital growth rather than cash flow. Dividends can still play a role in smoothing returns and offering a small built‑in “payback” during flat markets, and the developed markets fund’s higher yield helps here. For someone not needing regular withdrawals, reinvesting these dividends can quietly compound results over time, even if the visible yield looks modest compared with dedicated income strategies.

Ongoing product costs Info

  • SPDR Gold Mini Shares 0.10%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Grayscale Bitcoin Mini Trust (BTC) 0.45%
  • Weighted costs total (per year) 0.06%

The average cost level, with a total ongoing charge around 0.06%, is impressively low. That’s a real strength, because fees compound in reverse, slowly eating into returns year after year. Using broad, low‑fee funds for core holdings is very much in line with best practice and gives this portfolio a built‑in advantage versus more expensive setups. The bitcoin trust is the priciest piece, which is normal for that exposure, but it’s a small allocation so it doesn’t drag the total cost much. Keeping this low‑fee mindset going over time can meaningfully improve net results without adding any extra risk at all.

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 suggests that, using the same building blocks, a more “efficient” mix could deliver a higher expected return for the same risk, or the same return for lower volatility. The Efficient Frontier is basically the best‑possible risk‑reward combinations you can get from a given set of assets. Here, the model hints that reducing overlap between highly correlated holdings could free up space for other allocations that shift the portfolio closer to that frontier. It’s important to remember that this math relies on historical returns and correlations, which may not repeat, and “optimal” in this sense doesn’t include personal comfort or non‑financial goals.

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