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A growth tilted diversified portfolio with heavy technology semiconductor and dividend income exposure

Report created on Dec 13, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

The portfolio is equity heavy with about 81% stocks 18% bonds and 1% cash and is concentrated in a handful of funds: a total market fund at roughly 32% two international and dividend funds around 17% each and a semiconductor sleeve near 15%. Compared with a typical balanced benchmark that often targets a larger bond share this tilts materially toward growth oriented equities. Asset mix matters because it determines expected volatility and return drivers; here equities will dominate outcomes. Recommendation: decide whether the current equity tilt matches your target volatility and if not trim large single fund weights gradually while keeping broad market exposure.

Growth Info

Using a hypothetical $10,000 starting point a reported compound annual growth rate (CAGR) of 16.04% would have grown that sum substantially over several years while the max drawdown was -32.95%. CAGR stands for Compound Annual Growth Rate and measures average yearly growth as if returns were smoothed out like driving at a steady speed. A large drawdown shows significant downside risk in stressed periods. Recommendation: plan for drawdowns of this magnitude by confirming the time horizon and either increasing defensive holdings or establishing rules for periodic rebalancing or dollar cost averaging to reduce timing risk.

Projection Info

A Monte Carlo simulation uses random sampling from historical return patterns to project a range of possible future outcomes; it does not predict the future but explores plausible scenarios. With 1,000 simulations the median (50th) ending value sits near the reported 689.1% while the 5th percentile is 95.5% and 67th is 1,035.1% and 994 of 1,000 scenarios were positive. The average simulated annualized return of 18.23% implies favorable geometry driven by equity exposure but relies on past volatility and correlations. Recommendation: use these projections to stress‑test plans set realistic goals and avoid treating high median outcomes as guaranteed.

Asset classes Info

  • Stocks
    81%
  • Bonds
    18%
  • Cash
    1%

The portfolio’s allocation is skewed: stocks 81% bonds 18% cash 1% which differs from many balanced allocations that use higher bond weighting to lower volatility. Asset allocation is the single largest determinant of risk and return over time because stocks and bonds historically move differently and provide different roles—growth versus income and drawdown protection. With bonds underrepresented the portfolio may gain in upside but suffer larger declines. Recommendation: if capital preservation or lower volatility is desired consider raising bond exposure or diversifying fixed income types; if growth is the priority keep equity tilt but accept higher volatility.

Sectors Info

  • Technology
    32%
  • Financials
    12%
  • Industrials
    6%
  • Consumer Discretionary
    5%
  • Health Care
    5%
  • Consumer Staples
    5%
  • Telecommunications
    5%
  • Energy
    3%
  • Real Estate
    3%
  • Utilities
    3%
  • Basic Materials
    2%
  • Consumer Discretionary
    1%

Technology dominates with about 32% weight and semiconductors alone account for a substantial slice via active funds and an ETF while financials are the next meaningful exposure at 12%. Sector concentration matters because sectors often move together and sector trends can amplify returns or losses; for example tech heavy portfolios may face sharp swings during interest rate or cyclical shifts. Recommendation: evaluate whether the tech and semiconductor concentration is intentional; if not rebalance modestly into other sectors or introduce low‑correlation holdings to smooth sector driven swings while preserving overall growth potential.

Regions Info

  • North America
    79%
  • Europe Developed
    9%
  • Asia Developed
    3%
  • Japan
    3%
  • Asia Emerging
    2%
  • Latin America
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographic exposure is heavily North America focused at 79% with modest allocations to Europe developed and small weights across Asia and Latin America. A concentrated home bias can capture familiar market strength but reduces diversification benefits that come from differing economic cycles and currency movements abroad. Compared with global market‑cap benchmarks this is a noticeable U.S. tilt. Recommendation: if diversification across macro cycles is a goal consider incrementally adding developed international and emerging market exposure to reduce single‑country risk without large timing bets.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    25%
  • Mid-cap
    16%
  • Small-cap
    4%
  • Micro-cap
    1%

Market capitalization mix shows 34% mega cap 25% large cap 16% mid cap 4% small cap and 1% micro cap which is relatively skewed toward larger companies but retains some mid‑cap growth exposure. Large caps tend to offer more stability and liquidity while mids and small caps can provide higher growth potential at higher volatility. This mix affects how the portfolio responds in economic recoveries versus recessions. Recommendation: if seeking smoother returns favor a larger cap tilt; if seeking extra long term growth consider small increases to mid and small caps with strict position sizing to control volatility.

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.

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The Efficient Frontier is a concept from mean‑variance optimization that shows the best possible return for each level of risk given a set of assets; efficiency here means the best risk‑return tradeoff not necessarily maximum diversification. Optimization using only the current assets and allowed reallocations can identify allocations that improve expected return per unit of risk but depends heavily on input assumptions about returns volatilities and correlations. Recommendation: run an optimization with realistic constraints and stress test resulting portfolios, then consider whether small allocation shifts or adding one or two new low‑

Dividends Info

  • Amplify CWP Enhanced Dividend Income ETF 4.50%
  • Fidelity® High Dividend ETF 3.00%
  • FIDELITY ADVISOR FLOATING RATE HIGH INCOME FUND FIDELITY FLOATING RATE HIGH INCOME FUND 5.70%
  • Fidelity Select Semiconductors Portfolio 12.30%
  • FIDELITY TOTAL BOND FUND FIDELITY TOTAL BOND FUND 3.70%
  • FIDELITY ZERO INTERNATIONAL INDEX FUND 2.30%
  • FIDELITY ZERO TOTAL MARKET INDEX FUND 1.00%
  • VanEck Semiconductor ETF 0.30%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Weighted yield (per year) 4.08%

The portfolio reports a total yield around 4.08% with some holdings showing higher individual yields; dividends provide income and can cushion returns during volatile periods but yield alone doesn’t guarantee safety—high yields may reflect fund structure or temporary distributions. For investors seeking income yield contributes to total return and can be reinvested to boost compounding. Recommendation: check dividend sustainability and tax treatment of high yielding funds and decide whether to prioritize total return or cash yield—if income is a goal consider stable dividend strategies rather than chasing highest headline yields.

Ongoing product costs Info

  • Amplify CWP Enhanced Dividend Income ETF 0.56%
  • Fidelity® High Dividend ETF 0.15%
  • FIDELITY ADVISOR FLOATING RATE HIGH INCOME FUND FIDELITY FLOATING RATE HIGH INCOME FUND 0.73%
  • Fidelity Select Semiconductors Portfolio 0.62%
  • FIDELITY TOTAL BOND FUND FIDELITY TOTAL BOND FUND 0.45%
  • VanEck Semiconductor ETF 0.35%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Weighted costs total (per year) 0.25%

TER or Total Expense Ratio measures the annual cost of owning a fund expressed as a percentage and acts like a drag on returns over time similar to a constant speed reduction on a road trip. The portfolio’s blended TER is reported at 0.25% which is low overall but individual active sleeves carry higher fees (0.62% 0.73% etc). Lower costs compound into meaningfully better net returns over decades while active funds can still justify fees if they add distinct returns or risk management. Recommendation: review overlapping exposures and consider replacing high fee duplicates with lower cost equivalents while retaining necessary active bets.

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