Growth focused equity portfolio with strong US tilt and notable technology and small cap value exposure
Report created on May 16, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
FZ FIDELITY ZERO TOTAL MARKET INDEX FUND
FZROX - US31635T7081 45.00% -
FZ FIDELITY ZERO INTERNATIONAL INDEX FUND
FZILX - US31635T6091 20.00% -
FT Fidelity® MSCI Information Technology Index ETF
FTEC - US3160928087 15.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 10.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00%
This portfolio is a straightforward all‑equity mix built from five funds, with no bonds or cash buffer. The core is two broad market index funds, covering total US equities and international stocks, together making up 65% of the portfolio. Around this, there is a 15% satellite in a technology index ETF and 20% in two small cap value ETFs, split evenly between US and international. Structurally, this is a “core and satellites” setup: a diversified core that roughly tracks global stocks, plus targeted tilts around the edges. That design keeps the overall picture fairly broad, while still giving meaningful emphasis to specific styles that can behave differently over time.
Growth
From late 2019 to mid‑2026, a hypothetical $1,000 in this portfolio grew to about $2,811, implying a compound annual growth rate (CAGR) of 16.94%. CAGR is the “average yearly speed” of growth, smoothing out the bumps along the way. This slightly beat the US market benchmark at 16.47% and meaningfully outpaced the global market at 13.93%. The trade‑off is a max drawdown of -35.6% during early 2020, a sharp but fairly quick‑to‑recover drop. That fall is typical for an all‑stock growth‑oriented mix. The fact that 90% of returns came from just 26 days also highlights how a small number of strong days can drive long‑term results.
Projection
The forward projection uses a Monte Carlo simulation, which is like running 1,000 “what if” futures based on how markets have behaved historically. Each path randomly shuffles returns within the overall risk and return profile, giving a range of possible outcomes rather than a single forecast. Here, the median outcome turns $1,000 into about $2,702 over 15 years, with a wide “likely” range between roughly $1,828 and $4,289. There are also more extreme but less probable outcomes on both sides. This illustrates two things: historically grounded growth potential and the reality that future results can vary a lot, so past performance is only a rough guide, not a promise.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash, or alternative assets. Being 100% in equities tends to increase both long‑term growth potential and short‑term volatility, since there’s no stabilizing asset class to soften big market swings. Compared with a typical broad global benchmark, which is also equity‑only, the asset‑class mix is similar in type but more aggressive than many diversified portfolios that include bonds. This all‑stock structure can make returns heavily tied to the ups and downs of global companies, without the cushioning usually provided by fixed income. It’s a straightforward, high‑beta setup focused purely on equity market behavior.
Sectors
- Technology 34%
- Financials 15%
- Industrials 11%
- Health Care 7%
- Consumer Discretionary 6%
- Telecommunications 6%
- Energy 6%
- Basic Materials 5%
- Consumer Staples 4%
- Consumer Discretionary 3%
- Utilities 2%
- Real Estate 2%
Sector‑wise, technology stands out at 34% of equity exposure, a clear overweight relative to many broad global indices where tech is large but usually not this dominant. Financials, industrials, health care, and various cyclical sectors are all present in moderate amounts, creating a fairly broad spread outside tech. A noticeable point is the combination of tech and smaller allocations to more defensive sectors like utilities and consumer staples. Tech‑heavy portfolios often see larger swings when interest rates change or when growth expectations are revised, because many technology businesses are valued on future earnings. The diversified presence of other sectors helps, but tech clearly shapes the portfolio’s personality.
Regions
- North America 72%
- Europe Developed 12%
- Japan 7%
- Asia Developed 3%
- Asia Emerging 2%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 72% of the portfolio sits in North America, with the rest spread across developed Europe, Japan, other developed Asia, emerging Asia, Australasia, and smaller weights in Latin America and Africa/Middle East. This US‑leaning profile is common compared with many benchmarks, where the US is big but not usually quite this dominant. The advantage of the international slice is exposure to different economic cycles and currencies, which can reduce reliance on a single region. At the same time, the strong North American tilt means portfolio performance will still be heavily influenced by the US economy, US corporate earnings, and the US dollar’s moves over time.
Market capitalization
- Mega-cap 37%
- Large-cap 25%
- Mid-cap 19%
- Small-cap 13%
- Micro-cap 6%
By market capitalization, the portfolio tilts toward larger companies: 37% in mega‑caps and 25% in large‑caps, with the remainder spread across mid, small, and micro‑caps. This mirrors many global benchmarks where big companies dominate by weight, but the 19% mid‑cap, 13% small‑cap, and 6% micro‑cap allocations are meaningful. Smaller companies often have more volatile price movements but can offer different growth dynamics than giants. The blend here means mega‑caps likely drive a substantial portion of stability and index‑like behavior, while the smaller‑cap segment adds an extra layer of diversification and sensitivity to economic cycles, as these firms can react differently than established market leaders.
True holdings
-
NV NVIDIA Corporation 2.76%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
-
AA Apple Inc 2.20%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
-
MS Microsoft Corporation 1.40%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
-
AV Broadcom Inc 0.65%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
-
MU Micron Technology Inc 0.52%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
-
AM Advanced Micro Devices Inc 0.46%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
-
IN Intel Corporation 0.36%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
-
CS Cisco Systems Inc 0.24%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
-
LR Lam Research Corp 0.23%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
-
AM Applied Materials Inc 0.22%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
- Top 10 total 9.03%
The look‑through view, using only ETF top‑10 holdings, shows notable concentration in a few large technology names like NVIDIA, Apple, and Microsoft. For example, NVIDIA alone accounts for about 2.76% of the total portfolio through fund exposure, with Apple and Microsoft adding another few percent. Because only a small slice of overall holdings is visible (about 11% coverage), this likely understates the full overlap. Still, it illustrates how broad funds can quietly stack exposure to the same giants. This kind of hidden concentration means portfolio behavior in certain periods can be significantly influenced by a handful of mega‑cap tech stocks, even when no single stock is held directly.
Factors
Across the main style factors—value, size, momentum, quality, low volatility, and yield—this portfolio is broadly neutral. Factor exposure is a way of describing how much a portfolio leans into characteristics research links to returns, like cheaper “value” stocks or smaller “size” stocks. Here, most factors sit near 50%, essentially market‑like. The only notable difference is a low yield score, reflecting the overall modest dividend focus. This balanced factor profile suggests returns are driven more by broad market movements and specific sector and regional tilts than by strong style bets. It also means performance may track general equity markets reasonably closely, aside from those structural tilts.
Risk contribution
-
FIDELITY ZERO TOTAL MARKET INDEX FUND
Weight: 45.00% 45.1% -
Fidelity® MSCI Information Technology Index ETF
Weight: 15.00% 18.5% -
FIDELITY ZERO INTERNATIONAL INDEX FUND
Weight: 20.00% 16.2% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 11.9% -
Avantis® International Small Cap Value ETF
Weight: 10.00% 8.4%
Risk contribution looks at how much each holding drives the portfolio’s total ups and downs, which can differ from its weight. The US total market fund is 45% of the portfolio and contributes about 45% of the risk, so it behaves proportionately. The tech ETF, at 15% weight, contributes about 18.45% of risk, showing it’s a bit more volatile than its size alone suggests. The two small cap value ETFs also punch slightly above or below their weights in risk terms. Overall, the top three holdings account for nearly 80% of total risk, indicating that while there are five funds, portfolio behavior is still heavily shaped by the largest positions.
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.
Click on the colored dots to explore allocations.
The risk‑return chart shows this portfolio sitting below the efficient frontier by about 2.11 percentage points at its current risk level. The efficient frontier represents the best expected return for each level of risk using these same holdings in different weights. The current Sharpe ratio—risk‑adjusted return measure comparing extra return over the risk‑free rate to volatility—is 0.67, while the optimal mix reaches 0.96. That suggests that, in theory, a different combination of the same five funds could deliver more return per unit of risk. It’s notable, though, that the gap is not huge, indicating the present allocation is reasonably but not perfectly efficient.
Dividends
- Avantis® International Small Cap Value ETF 2.70%
- Avantis® U.S. Small Cap Value ETF 1.30%
- Fidelity® MSCI Information Technology Index ETF 0.40%
- FIDELITY ZERO INTERNATIONAL INDEX FUND 2.40%
- FIDELITY ZERO TOTAL MARKET INDEX FUND 0.90%
- Weighted yield (per year) 1.34%
The overall dividend yield for the portfolio is about 1.34%, which is on the lower side for equity portfolios that include value and international funds. Dividend yield measures the annual cash distributions as a percentage of current value, separate from price moves. Here, the higher‑yielding pieces are the international index fund and the international small cap value ETF, while the tech ETF and US broad fund yield much less. This mix means most of the portfolio’s historical returns have come from price appreciation rather than income. For investors focused on total return, that’s a coherent profile; for those eyeing cash flow, it simply signals modest ongoing payouts.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Fidelity® MSCI Information Technology Index ETF 0.08%
- Weighted costs total (per year) 0.07%
Costs are a real strength here. The overall total expense ratio (TER) is about 0.07%, reflecting the combination of zero‑fee index mutual funds and low‑cost ETFs. TER is the annual fee charged by funds, expressed as a percentage of assets—similar to a small yearly “toll” for running the portfolio. While the specialized small cap value ETFs have higher individual TERs (0.25% and 0.36%), their smaller weights keep the blended cost extremely low. Over long periods, even small fee differences can compound into noticeable amounts, so this low cost base is a clear positive and supports stronger net returns compared with more expensive fund lineups.
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