Growth focused portfolio with strong tech tilt meaningful crypto slice and historically efficient risk balance
Report created on Mar 22, 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
An investor who fits this style is comfortable with meaningful volatility in pursuit of high long-term growth. They often have a multi-decade horizon, such as someone in early or mid-career, and are less focused on near-term income than on building wealth through compounding. Short-term drawdowns of 20% or more are acceptable if the long-run outlook remains intact. They typically believe in the long-term strength of innovative businesses and are willing to add a speculative tilt through assets like bitcoin. This personality usually tracks markets reasonably closely, understands that big gains and big drops travel together, and values a streamlined, low-cost lineup rather than a sprawling, hyper-complex collection of holdings.
Positions
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Invesco NASDAQ 100 ETF
QQQM - US46138G6492 35.66% -
Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 29.96% -
Invesco S&P International Developed Momentum ETF
IDMO - US46138E2220 18.59% -
iShares Bitcoin Trust
IBIT - US46438F1012 15.79%
The portfolio is heavily growth-oriented, with about 84% in stocks and 16% in crypto, spread across four holdings. Two large US growth ETFs together make up roughly two-thirds of the portfolio, an international momentum ETF adds another chunk, and a sizable bitcoin allocation sits alongside them. This kind of structure is simple and easy to monitor, because most of the risk and return comes from just a few levers: US growth stocks, foreign developed equities, and bitcoin. The big takeaway is that this is a concentrated high-growth setup where overall behavior will be driven by equity market cycles and bitcoin swings rather than a broad mix of asset types.
Growth
From early 2024 to March 2026, a hypothetical $1,000 grew to $1,454, beating both the US and global market references. The portfolio’s compound annual growth rate (CAGR) of 19.43% outpaced the US market’s 16.66% and global market’s 16.50%. However, the max drawdown — the worst peak-to-trough fall — reached about -21.5%, slightly deeper than the benchmarks. Most gains came from a handful of strong days, showing return “lumpiness.” This pattern is typical of growth-tilted portfolios: performance has been impressive, but it comes with sharper dips and heavy reliance on a few powerful up days that are easy to miss if not invested consistently.
Projection
The 10‑year Monte Carlo projection uses many simulated paths, based on the portfolio’s historical return and volatility, to guess a range of future outcomes. Think of it as running a thousand “what if” market histories with the same general behavior but different sequences of good and bad years. Across those simulations, the median outcome is very strong, with the 50th percentile showing more than a twelvefold gain and even the 5th percentile still positive. But these numbers lean heavily on a short, very favorable history and assume that risk and return stay similar, which is a big assumption. It’s useful as a ballpark for risk and upside, not as a promise of future results.
Asset classes
- Stocks 84%
- Crypto 16%
By asset class, the split is basically two engines: equities at 84% and crypto at 16%. That equity portion provides growth tied to company earnings and innovation, while the crypto slice is more speculative and driven by sentiment, adoption, and regulation. Having some allocation outside equities can diversify, but bitcoin tends to behave more like a “hyper‑risk” asset than a safe haven, often amplifying up and down moves. The mix suits someone focused on high long-term growth potential rather than stability or steady income. For anyone wanting smoother rides, shifting a bit from speculative assets toward steadier asset classes could reduce the size and frequency of large swings.
Sectors
- Technology 32%
- Crypto 16%
- Telecommunications 12%
- Financials 11%
- Consumer Discretionary 9%
- Industrials 7%
- Consumer Staples 5%
- Health Care 5%
- Basic Materials 2%
- Utilities 1%
- Energy 1%
Sector-wise, this is very tech and growth heavy: technology alone is about a third, with crypto another 16%, and big chunks in communication services and consumer cyclicals. Defensive areas like utilities, energy, and basic materials are tiny. Compared with broad market benchmarks, this is a strong tilt toward sectors that usually do well when innovation, low interest rates, and risk appetite are driving markets, but can be hit hard when rates rise or investors rotate to “safer” or cheaper areas. Positively, this sector mix aligns with a clear growth thesis instead of being random. The tradeoff is accepting that downturns in tech and high-growth themes will hit overall portfolio performance more than in a more balanced sector mix.
Regions
- North America 68%
- Europe Developed 11%
- Japan 1%
- Asia Developed 1%
- Australasia 1%
- Africa/Middle East 1%
Crypto positions are excluded from this geography breakdown.
Geographically, roughly two-thirds of equity exposure sits in North America, with moderate developed exposure in Europe and small slices across Japan, developed Asia, Australasia, and the Middle East/Africa. That North America tilt lines up reasonably well with global market weights, which are naturally US-heavy, so this allocation is well-balanced and aligns closely with global standards. The international developed momentum ETF adds some non-US diversification without dominating the picture. This balance means results will still be strongly tied to US markets, but not completely dependent on them. For someone who wants even more resilience to US-specific risks, gradually increasing non-US exposure could be one path, though it may change the growth profile.
Market capitalization
- Mega-cap 49%
- Large-cap 26%
- Mid-cap 9%
Crypto positions are excluded from this market-cap breakdown.
By market cap, the portfolio leans hard into mega and large companies, with almost three-quarters in mega and another quarter in big caps, and only a small slice in mid-sized firms. Large and mega caps are often more stable businesses, with deeper liquidity and stronger balance sheets, but their prices can be sensitive to macro trends and investor sentiment because they dominate indexes. This size mix supports the idea of a “quality growth” core rather than speculative small caps. The implication is that volatility mainly comes from factor and theme exposure (growth, tech, crypto), not from holding lots of tiny, fragile companies, which is actually a positive for risk control in a growth-focused approach.
True holdings
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Grayscale Bitcoin Mini Trust (BTC) 15.79%Part of fund(s):
- iShares Bitcoin Trust
-
NVIDIA Corporation 6.50%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
-
Apple Inc 5.48%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
-
Microsoft Corporation 4.33%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
-
Amazon.com Inc 3.17%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
-
Alphabet Inc Class A 2.64%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
-
Meta Platforms Inc. 2.62%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
-
Tesla Inc 2.62%Part of fund(s):
- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Large-Cap Growth ETF
-
Broadcom Inc 2.29%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
-
Alphabet Inc Class C 2.26%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
- Top 10 total 47.69%
Looking through the ETFs, a lot of exposure clusters in the same large growth names: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, and Broadcom all show up meaningfully. Bitcoin also appears both directly and via a trust, creating a sizable single-theme exposure. Because overlap is measured only using ETF top-10 holdings, real concentration is probably a bit higher than shown. Hidden overlap matters because several funds can move together when the same big companies drive them. The constructive point is that this overlap is intentional growth tilting, but it also means that when large growth stocks or bitcoin stumble, multiple pieces of the portfolio are likely to hurt at the same time.
Factors
Factor exposure shows strong tilts to low volatility, momentum, and value, with smaller size exposure. Factors are like underlying “personality traits” — momentum favors recent winners, value looks for cheaper stocks, and low volatility prefers steadier names. The combination here is interesting: momentum and growth exposure means the portfolio can do very well in trending, risk-on markets, while low-volatility exposure can help cushion some shocks relative to a pure high-flyer portfolio. Value exposure is moderate and can help when markets rotate toward cheaper stocks. Coverage isn’t perfect, so these are approximations, but overall, this factor mix suggests behavior that’s aggressive on the upside yet somewhat tempered by quality and stability characteristics.
Risk contribution
-
Invesco NASDAQ 100 ETF
Weight: 35.66% 32.7% -
iShares Bitcoin Trust
Weight: 15.79% 28.2% -
Schwab U.S. Large-Cap Growth ETF
Weight: 29.96% 27.4% -
Invesco S&P International Developed Momentum ETF
Weight: 18.59% 11.7%
Risk contribution tells a slightly different story than simple weights. While the NASDAQ 100 and Schwab growth ETFs are the biggest holdings, bitcoin punches way above its weight: at about 16% allocation, it contributes over 28% of total portfolio risk. In other words, one slice accounts for more than a quarter of the ups and downs. The top three positions drive more than 88% of portfolio risk, which underscores how concentrated the risk engine is. This is not inherently bad, but it means outcomes are heavily tied to a few key components. People who prefer their risk to mirror their weights more closely often reduce especially “loud” positions or pair them with holdings that behave differently.
Redundant positions
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High correlationInvesco NASDAQ 100 ETFSchwab U.S. Large-Cap Growth ETF
The main equity ETFs — the NASDAQ 100 and the US large-cap growth fund — are highly correlated, meaning they tend to move in the same direction at similar times. Correlation is basically how “in sync” investments are. Highly correlated assets can look diversified on paper but act like one big bet during stress. The international developed momentum ETF likely adds some diversification, but given its growth and momentum tilt, it may still rhyme with US growth in major global risk-on or risk-off moves. This correlation structure supports the growth narrative but limits protection during sharp equity selloffs. Reducing overlap or adding assets that historically zig when growth zags is one way to broaden diversification.
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.
On the risk–return chart, the current portfolio sits on the efficient frontier, meaning that, given these specific holdings, the mix is already efficient — you’re not obviously leaving easy gains or safety on the table through poor diversification. However, it’s not the highest Sharpe ratio point; the optimal mix has similar expected return with meaningfully lower risk, and the minimum-variance mix also offers good return per unit of volatility. There’s also an aggressive same-risk configuration that chases much higher expected returns with huge volatility. The key message: within the same lineup of funds, modest reweighting — especially dialing bitcoin risk and overlapping growth exposure up or down — could fine-tune the balance between comfort and ambition without needing new products.
Dividends
- Invesco S&P International Developed Momentum ETF 3.90%
- Invesco NASDAQ 100 ETF 0.50%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Weighted yield (per year) 1.02%
The overall dividend yield sits around 1.02%, with most income coming from the international momentum ETF and only tiny yields from the US growth funds. In practical terms, this is a portfolio built for capital growth rather than cash flow. That’s completely normal for a growth and tech-heavy mix, since many companies reinvest profits into expansion instead of paying high dividends. For someone who values income, such a low yield means relying on selling shares to generate cash, especially during retirement or long breaks from work. For long time horizons and accumulation phases, this low-yield, reinvestment-driven profile can be attractive, as it keeps the focus on total return rather than near-term payouts.
Ongoing product costs
- iShares Bitcoin Trust 0.12%
- Invesco S&P International Developed Momentum ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Weighted costs total (per year) 0.13%
Costs are impressively low, with a total expense ratio around 0.13%. That’s well below the average for actively managed funds and even on the cheaper side among ETFs, especially given access to growth and international factor strategies. Fees act like a constant headwind, so keeping them low leaves more of the return in your pocket each year. Over a decade or more, the difference between 0.13% and even 0.5–1.0% can compound into a noticeable gap. From a cost perspective, this setup is very efficient and supports better long-term performance. There’s no obvious drag from expensive, niche products, which is a solid foundation for compounding.
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