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A momentum addicted stock junkie portfolio cosplaying as a sensible balanced strategy

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 someone who loves speed and complexity and is allergic to the word “boring.” It suggests a high risk tolerance, a long time horizon, and a belief that clever factor tilts and themes can outsmart plain vanilla indexing. There’s a clear bias toward growth and momentum, with very little interest in income, stability, or short-term spending needs. Perfect for someone who can watch a 30–40% drawdown without rage-selling and sees volatility as part of the game, not a bug. Less ideal for anyone who needs predictable cash flow, capital protection, or the ability to sleep through ugly market headlines.

Positions

  • Schwab U.S. Large-Cap Growth ETF
    SCHG - US8085243009
    15.00%
  • Invesco S&P 500® Momentum ETF
    SPMO - US46138E3392
    15.00%
  • SPDR® Portfolio S&P 1500 Composite Stock Market ETF
    SPTM - US78464A8053
    15.00%
  • Invesco S&P MidCap Momentum ETF
    XMMO - US46137V4648
    15.00%
  • Avantis® International Equity ETF
    AVDE - US0250727031
    10.00%
  • Invesco S&P International Developed Momentum ETF
    IDMO - US46138E2220
    10.00%
  • First Trust RBA American Industrial RenaissanceTM ETF
    AIRR - US33738R7044
    4.00%
  • Freedom 100 Emerging Markets ETF
    FRDM - US02072L6074
    4.00%
  • EA Series Trust
    FTWO - US02072L5571
    4.00%
  • Defiance Quantum ETF
    QTUM - US26922A4206
    4.00%
  • SPDR® S&P Aerospace & Defense ETF
    XAR - US78464A6313
    4.00%

This setup looks like someone discovered “momentum factor” and then just dumped it all over the portfolio. Four big momentum-heavy core funds, then a pile of spicy thematic and niche ETFs sprinkled on top, all still 100% in stocks. For something labeled “Balanced,” this is basically an equity rocket with a fake mustache. Versus a plain S&P 500 tracker, you’ve gone for extra complexity and overlap: multiple funds are holding the same names, just shuffled by different rules. A cleaner structure would use one or two broad cores, then a modest satellite of specialties, not a sushi platter of momentum plus themes fighting for attention.

Growth Info

A 26.9% CAGR sounds like you handpicked the bull market highlight reel and framed it on the wall. If $10,000 had grown at that pace for 10 years, you’d sit on almost $100k; at standard S&P 500 levels you’d be closer to $40–50k. Impressive, but also suspiciously perfect. And a max drawdown of only -18.3% for something this aggressive? That’s like claiming you drift race on ice and never scratch the paint. Past data is like last season’s weather: useful, but markets don’t care about your backtest flex. Expect more pain and more boredom in real time than this history suggests.

Projection Info

Those Monte Carlo results look like a motivational poster wrote your future: 1,000 simulations, all positive, median over 5,000% growth, and a 34.6% annualized return. Monte Carlo, by the way, just runs tons of random, simulated futures based on historical behavior—like rolling loaded dice thousands of times. The problem is, if you feed the model crazy-good past performance with tame drawdowns, it happily spits out fantasy land. Real markets throw in regime changes, crashes, and policy shocks your simulation never saw. This setup might crush it in some futures, but you should mentally pencil in lower returns and fatter drawdowns than this simulation politely suggests.

Asset classes Info

  • Stocks
    100%
  • Cash
    0%
  • Other
    0%

Asset classes: 100% stocks, 0% bonds, 0% cash, 0% anything else—yet this is tagged as “Balanced.” That’s like labeling a triple espresso as “hydration.” When everything is equity, the portfolio dances when markets boom and faceplants when they don’t. No bonds means no natural shock absorber; no cash means no dry powder to buy discounts. In real life, balance usually means mixing stuff that behaves differently—equities, bonds, maybe some alternatives. If stability or shorter-term needs matter at all, folding in a genuinely defensive sleeve would do more for risk than adding a 12th spicy stock ETF ever will.

Sectors Info

  • Technology
    25%
  • Industrials
    23%
  • Financials
    16%
  • Consumer Discretionary
    7%
  • Telecommunications
    7%
  • Health Care
    5%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Energy
    3%
  • Utilities
    3%
  • Real Estate
    2%

Sector-wise, this thing clearly thinks tech and industrials are the only kids worth inviting: roughly a quarter in tech and almost as much in industrials. Financials also show up big, with everything else shoved into the “you can come but sit in the back” bucket. Compared to a broad index, that’s a chunky tilt away from more boring areas like healthcare and defensives. Momentum strategies naturally chase what’s been hot, so your sector mix will swing harder than a moody teenager. If you don’t want your fate tied to a couple of themes, toning down the sector bets and letting more balanced exposure in wouldn’t hurt.

Regions Info

  • North America
    77%
  • Europe Developed
    12%
  • Japan
    3%
  • Asia Developed
    3%
  • Latin America
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Asia Emerging
    1%
  • Europe Emerging
    0%

Geographic mix: 77% North America, 12% Europe developed, tiny slices elsewhere. Translation: “America first, everyone else can fight over the scraps.” This is pretty normal for U.S. investors, but you’ve dialed “home bias” up nicely. The international exposure you do have is mostly momentum-driven or factor-y, not simple global diversification. If the U.S. keeps dominating, you look like a genius; if not, you’ve built a very patriotic drag on diversification. A more grounded setup would hold a plainer, more substantial global slice, not just quirky international and emerging-market flavors sprinkled around the edges for decoration.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    30%
  • Mid-cap
    21%
  • Small-cap
    14%
  • Micro-cap
    1%

Market-cap spread is actually one of the less chaotic bits: about one-third mega, one-third large, then decent mid and small-cap exposure. That’s the part that almost looks like an adult built this. The catch is you didn’t get here through calm indexing—you layered momentum, niche factors, and themes that happen to land across sizes. When markets rally, this tilt toward mid/small plus momentum can juice gains; when things crack, those same areas tend to bleed faster. Keeping the general cap mix while dialing down the hyperactive factor obsession would give you most of the growth potential with far fewer “what just happened” moments in corrections.

Dividends Info

  • First Trust RBA American Industrial RenaissanceTM ETF 0.20%
  • Avantis® International Equity ETF 2.40%
  • Freedom 100 Emerging Markets ETF 1.90%
  • EA Series Trust 0.80%
  • Invesco S&P International Developed Momentum ETF 3.50%
  • Defiance Quantum ETF 0.90%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Invesco S&P 500® Momentum ETF 0.70%
  • SPDR® Portfolio S&P 1500 Composite Stock Market ETF 1.10%
  • SPDR® S&P Aerospace & Defense ETF 0.30%
  • Invesco S&P MidCap Momentum ETF 0.70%
  • Weighted yield (per year) 1.19%

Total yield around 1.19% tells you this portfolio doesn’t care about paying you; it’s all about price action and vibes. You’ve loaded up on growth, momentum, and thematics, which usually means low dividends—companies reinvest instead of handing out cash. That’s fine if you want max growth and can stomach volatility, but useless if you’re dreaming of living off income. Dividends aren’t magic, but they can soften drawdowns and give you something even when prices sulk. If income or future flexibility matters, beefing up steadier, higher-yielding holdings would help; right now this setup is more “hope for capital gains” than “collect a paycheck.”

Ongoing product costs Info

  • First Trust RBA American Industrial RenaissanceTM ETF 0.70%
  • Avantis® International Equity ETF 0.23%
  • Freedom 100 Emerging Markets ETF 0.49%
  • EA Series Trust 0.49%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Defiance Quantum ETF 0.40%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Invesco S&P 500® Momentum ETF 0.13%
  • SPDR® Portfolio S&P 1500 Composite Stock Market ETF 0.03%
  • SPDR® S&P Aerospace & Defense ETF 0.35%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.23%

Overall TER around 0.23% is actually pretty reasonable, especially for a circus of specialized ETFs. The cheap Schwab and SPDR core funds are doing the heavy lifting, while the spicier ones quietly drain more: 0.70%, 0.49%, 0.40%—you’re basically tipping extra for complexity. It’s not fee insanity, but some of these niche slices need to seriously earn their keep. If performance or diversification benefit from a fund is marginal, paying premium pricing for it is like ordering gold-flake sprinkles on supermarket ice cream. Trimming the highest-cost, lowest-impact pieces could reduce drag without killing the overall character of the portfolio.

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 risk versus return, this thing is efficient in the “redline the engine” sense, not the “sleep well” sense. The historical return is phenomenal given the -18% drawdown, but that combo screams “lucky window” more than “timeless genius.” The Efficient Frontier—fancy name for the best return you can reasonably expect for a given risk—would probably show you getting a lot of volatility you’re not fully being paid for once you adjust expectations down from fantasy Monte Carlo land. A more sensible mix would dial back some momentum and thematics, add genuinely defensive assets, and trade a bit of upside fantasy for far cleaner resilience.

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