Growth-focused portfolio with heavy emphasis on technology and industrials

Report created on Sep 30, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

The portfolio is heavily weighted towards the FIDELITY ZERO LARGE CAP INDEX FUND at 70%, with the remainder split equally between the Fidelity® MSCI Industrials Index ETF and the VanEck Semiconductor ETF. This structure indicates a strong focus on large-cap stocks within the technology and industrials sectors. While such a concentration can offer significant growth potential, it also exposes the portfolio to sector-specific risks and limits diversification across other industries and asset classes.

Growth Info

Historically, the portfolio has achieved a Compound Annual Growth Rate (CAGR) of 18.11%, with a maximum drawdown of -34.39%. These figures suggest that while the portfolio has experienced substantial growth, it has also faced significant volatility, likely due to its concentration in high-growth sectors. The days contributing to 90% of returns being limited to 25 indicates that the portfolio's performance is highly dependent on short periods of strong gains, which is characteristic of growth-focused investments.

Projection Info

The Monte Carlo simulation, based on 1,000 scenarios, projects a wide range of potential outcomes with an annualized return of 22.91%. The 50th percentile outcome suggests a substantial increase in value, demonstrating the portfolio's potential for high returns. However, the wide spread between the 5th and 67th percentiles underscores the high level of risk and uncertainty associated with this growth-oriented strategy.

Asset classes Info

  • Stocks
    100%

The portfolio is entirely allocated to stocks, with no exposure to other asset classes like bonds or real estate. This allocation supports the portfolio's growth objectives but contributes to higher volatility and risk. Diversifying across different asset classes could provide a buffer during market downturns, potentially smoothing out returns over time.

Sectors Info

  • Technology
    41%
  • Industrials
    19%
  • Financials
    10%
  • Consumer Discretionary
    7%
  • Telecommunications
    7%
  • Health Care
    7%
  • Consumer Staples
    4%
  • Energy
    2%
  • Utilities
    2%
  • Real Estate
    1%
  • Basic Materials
    1%

With 41% allocated to technology and 19% to industrials, the portfolio is heavily tilted towards sectors that can exhibit high growth but also higher volatility. While this sectoral concentration aligns with the portfolio's growth goals, it may increase susceptibility to sector-specific downturns. Broadening the sectoral allocation could help mitigate these risks.

Regions Info

  • North America
    97%
  • Asia Developed
    2%
  • Europe Developed
    1%

The geographic allocation is predominantly North American (97%), with minimal exposure to developed markets in Asia (2%) and Europe (1%). This geographic concentration in a mature market like North America can offer stability but may limit exposure to potentially higher growth opportunities in emerging markets.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    38%
  • Mid-cap
    20%
  • Small-cap
    2%

The portfolio's focus on mega (39%) and big (38%) cap stocks underscores its preference for established, large companies, which typically offer more stability than smaller companies but may have lower growth potential. Including a broader mix of medium, small, and micro-cap stocks could introduce more growth opportunities, albeit with increased risk.

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.

Given the portfolio's current composition, optimizing for the Efficient Frontier could involve diversifying across more asset classes and sectors to achieve a better risk-return balance. While the portfolio shows strong growth potential, its high concentration in specific sectors and lack of asset class diversification suggest room for improvement in achieving an optimal risk-return profile.

Dividends Info

  • Fidelity® MSCI Industrials Index ETF 1.30%
  • FIDELITY ZERO LARGE CAP INDEX FUND 1.00%
  • VanEck Semiconductor ETF 0.30%
  • Weighted yield (per year) 0.94%

The overall dividend yield of the portfolio stands at 0.94%, with the highest yield from the Fidelity® MSCI Industrials Index ETF at 1.30%. While the focus on growth sectors typically comes with lower dividend yields, these dividends can provide a modest income stream and contribute to the portfolio's total return.

Ongoing product costs Info

  • Fidelity® MSCI Industrials Index ETF 0.08%
  • VanEck Semiconductor ETF 0.35%
  • Weighted costs total (per year) 0.06%

The portfolio benefits from relatively low costs, with the total expense ratio (TER) averaging 0.06%. Low costs are crucial for long-term growth as they allow a greater portion of investment returns to compound over time. Maintaining a focus on cost efficiency is commendable and should continue to be a priority.

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