Roast mode 🔥

Growth junkie portfolio riding a tech momentum rocket with no seatbelt and no backup plan

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 someone who’s growth-hungry, pretty comfortable with volatility, and not terribly interested in playing it safe. Think long time horizon, decent emotional tolerance for red screens, and a belief that innovation and risk-taking will be rewarded over decades. There’s a bit of “I read about factor investing once” energy, with momentum and small value sprinkled in, but not enough obsession to optimize every detail. This kind of investor is likely prioritizing long-term wealth building over current income, accepting that deep drawdowns are the ticket price. Patience, discipline, and a clear plan for handling market crashes are non-negotiable traits here.

Positions

  • Vanguard Total Stock Market Index Fund ETF Shares
    VTI - US9229087690
    40.00%
  • Invesco S&P 500® Momentum ETF
    SPMO - US46138E3392
    20.00%
  • Schwab U.S. Large-Cap Growth ETF
    SCHG - US8085243009
    15.00%
  • Invesco S&P International Developed Momentum ETF
    IDMO - US46138E2220
    9.00%
  • Avantis® International Small Cap Value ETF
    AVDV - US0250728021
    8.00%
  • Avantis® Emerging Markets Equity ETF
    AVEM - US0250726041
    8.00%

This setup is like ordering six different burgers and calling it a varied diet. You’ve got 100% stocks, heavy US, and three positions basically doing the same “fast growth” dance: total market, S&P momentum, and large-cap growth. On paper it looks diversified, but under the hood it’s one big equity bet with style tilts slapped on top. Compared with a boring 60/40 benchmark, this is far more pedal-to-the-metal. If balance is the goal, introduce something that doesn’t panic when stocks sneeze: bonds, cash buffer, or a defensive sleeve. If max-growth is the goal, at least admit this is a go-big-or-go-home choice and plan your behavior for ugly drawdowns.

Growth Info

Historically, this thing has sprinted. A $10,000 starting stake growing at a 17.9% CAGR (Compound Annual Growth Rate — your “average speed” over time) would look amazing compared with a typical 8–10% equity benchmark. The flip side: a max drawdown of around –34% means that same 10k could’ve dropped to roughly 6.6k at one point. That’s the emotional gut punch hidden behind the pretty growth number. Markets loved momentum and growth recently; that’s yesterday’s weather, not a prophecy. Treat those returns as a high score, not a guarantee, and stress-test whether you’d actually stay invested through a third of your money vanishing on paper.

Projection Info

The Monte Carlo results are like running 1,000 alternate universes for your money. Ending values from +142% at the pessimistic 5th percentile to +1,140% at the 67th say the model thinks “high upside, but still a bruising ride.” An average simulated annual return near 19% screams “don’t get used to this.” Simulations use past data and assumptions; when reality changes, those assumptions look dumb in hindsight. The main lesson here: this setup is built for strong growth if markets keep rewarding momentum and tech-heavy risk, but it has very little protection if the script flips. Build a plan for bad scenarios, not just the fantasy ones.

Asset classes Info

  • Stocks
    100%
  • Cash
    0%
  • Other
    0%
  • No data
    0%

Asset classes: 100% stocks, 0% everything else. That’s not a portfolio; that’s a personality trait. No bonds, no real diversifiers, no shock absorbers. When stocks work, you look brilliant; when they don’t, you just look stressed. In normal human terms, this is like driving a sports car with no brakes because “I mostly go straight.” For someone with decades ahead, fine — high risk can make sense. For anyone closer to real-life cash needs, this is aggressive to the point of denial. Adding even a modest slice of boring stuff (bonds, T-bills, defensive alternatives) would turn this from “YOLO” into “confident but not reckless.”

Sectors Info

  • Technology
    31%
  • Financials
    18%
  • Industrials
    11%
  • Telecommunications
    10%
  • Consumer Discretionary
    10%
  • Health Care
    6%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector mix screams “tech fan with a side of FOMO.” Around 31% in Technology plus heavy Communication Services and Consumer Cyclicals is basically betting on innovation, advertising, and people endlessly buying non-essentials. Financials and Industrials help a bit, but defensive areas like Healthcare, Utilities, and Consumer Defensive are underwhelming. Compared with broad market benchmarks, this leans further into growthy, rate-sensitive parts of the market. When rates rise or growth sentiment cools, these are usually the first to get punched. If you don’t want your net worth hostage to the next tech or growth cycle, dial back the glam sectors and give boring, resilient sectors a bit more love.

Regions Info

  • North America
    78%
  • Europe Developed
    8%
  • Asia Emerging
    4%
  • Asia Developed
    4%
  • Japan
    3%
  • Africa/Middle East
    1%
  • Australasia
    1%
  • Latin America
    1%
  • Europe Emerging
    0%

Geographically, this is “USA and friends who don’t matter much.” Around 78% North America with a light dusting of Europe, Japan, and emerging markets. For a US-based investor, home bias is normal, but this is still pretty America-obsessed. When the US wins, great; when it lags, you’re stuck watching other regions rally from the sidelines. The tiny allocations to emerging and non-US developed are more like garnish than real diversification. Either embrace the US bet intentionally or gradually boost foreign exposure so other economies can actually move the needle. Think less “USA-only theme park” and more “global portfolio with a US accent.”

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    30%
  • Mid-cap
    19%
  • Small-cap
    6%
  • Micro-cap
    1%

Market cap spread is mostly mega and big caps — about 73% combined — with a token nod to mid and small caps. That’s basically buying the popular kids and pretending the weird, high-potential ones are “represented.” Big companies bring stability and liquidity, but they also limit how spicy your growth can be compared with a true small-cap tilt. On the other hand, your small and micro positions are so small they won’t rescue performance if large caps drag. Decide what you want: if stability is the goal, you’re already leaning there; if you want a real small-cap boost, bump that sleeve instead of sprinkling it like seasoning.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Schwab U.S. Large-Cap Growth ETF
    High correlation

Correlation here is like hanging out with five friends who all panic about the same things at the same time. The total US market ETF and the large-cap growth ETF are highly correlated — which is a fancy way of saying they move together, just with a slightly louder echo from the growth side. That overlap undercuts the illusion of diversification: lots of tickers, one basic story. Momentum and growth funds on top of a broad US core mainly amplify similar risks instead of adding new shock absorbers. Trimming redundant funds and swapping into assets that actually zig when others zag would make the whole setup more resilient instead of just noisier.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.00%
  • Avantis® Emerging Markets Equity ETF 2.50%
  • Invesco S&P International Developed Momentum ETF 1.50%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Invesco S&P 500® Momentum ETF 0.50%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Weighted yield (per year) 1.18%

A total yield around 1.2% is “coffee money,” not “pay the bills” money. This is very much a growth-first, income-last approach. The Avantis international and emerging holdings throw off decent yields, but your momentum and growth funds are basically allergic to dividends. That’s fine if the plan is compounding and reinvesting for the long term. It’s terrible if anyone is secretly expecting this thing to fund spending anytime soon. Dividends aren’t magic, but they do provide a small built-in return that doesn’t rely on price going up. If future income matters, slowly shift a slice toward more income-friendly pieces as you get closer to needing cash.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® Emerging Markets Equity ETF 0.33%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.12%

Costs are the one area where this portfolio almost looks suspiciously competent. A total TER around 0.12% is solid — you’re not lighting money on fire with fees, even with a couple of pricier Avantis positions in the mix. It’s like you walked into a financial supermarket, avoided the gold-plated nonsense, and somehow picked mostly sensible stuff. That said, if you’re going to pay up a bit for smart-beta and factor funds (momentum, small value, emerging), make sure they actually serve a purpose beyond sounding clever. Clean up overlaps and keep higher-fee positions only where they bring something genuinely unique to the table.

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.

Risk vs return here is basically “crank return, accept pain.” On an Efficient Frontier chart (aka the curve that shows the best return for each risk level), this portfolio would sit somewhere on the racy side — high expected return, but probably not the smoothest ride you could get for that level of volatility. The heavy overlap in US growth and momentum suggests you’re not squeezing all the juice from your risk; you’re just doubling down on one flavor. Swapping some redundant growth exposure for stabilizers (bonds, value-tilt, or defensive styles) could move you closer to that sweet spot where the drama per unit of return is actually worth it.

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