High growth tilted portfolio blending core index exposure with strong momentum and low volatility tilts
Report created on Mar 18, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
FX Fidelity 500 Index Fund
FXAIX - US3159117502 35.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 35.00% -
ID Invesco S&P International Developed Momentum ETF
IDMO - US46138E2220 20.00% -
FS FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS
FSPGX - US31635V7293 10.00%
This portfolio is a concentrated equity mix built from four positions, all in stock funds and ETFs. Around two thirds sits in broad US large‑cap exposure via an S&P 500 index fund and a US momentum ETF, with another slice in international developed momentum and a smaller allocation to large‑cap growth. That structure leans firmly toward growth and momentum while still keeping a big, diversified core. This kind of setup can work well for someone chasing higher returns while still liking the comfort of broad index exposure. The main thing to recognize is that, with 100% in stocks and just four vehicles, short‑term ups and downs can be significant even if the long‑term case looks strong.
Growth
Historically, the portfolio shows a very strong compound annual growth rate (CAGR) of 20.58%, far above what broad market benchmarks like the S&P 500 or global indices typically deliver over long periods. CAGR is like average speed on a road trip, smoothing out bumps to show steady yearly progress. The max drawdown of about −32.1% indicates that during the worst stretch, the portfolio dropped roughly a third from peak to trough, which is meaningful but reasonable for a growth profile. Only 37 days made up 90% of returns, highlighting how a handful of big days drive long‑term results. Missing those days can matter a lot, so staying invested through volatility is usually crucial.
Projection
The Monte Carlo analysis runs 1,000 simulated futures using historical patterns of returns and volatility to imagine many possible paths. Think of it as rolling the dice repeatedly based on past behavior to see a spread of outcomes, not a single forecast. The median (50th percentile) outcome suggests strong growth, while the 5th percentile still shows a substantial gain over the starting value, which is encouraging. However, Monte Carlo uses history as its raw material, and markets rarely repeat exactly. Past high returns may not persist, and risk can show up in new ways. Treat these numbers as scenario ranges, not promises or guarantees.
Asset classes
- Stocks 100%
All investable assets are in stocks, with 0% in bonds, cash, or alternatives. That pure‑equity stance lines up neatly with a growth‑oriented profile and maximizes long‑run return potential, but it also means the portfolio fully participates in equity bear markets. Many broad benchmarks mix in bonds or other stabilizers to dampen volatility, which this portfolio intentionally forgoes. For someone with a long horizon and stable cash flow from outside investments or income, this can be perfectly sensible. For anyone with shorter timeframes or frequent withdrawal needs, layering in some defensive assets outside this portfolio might help smooth the ride.
Sectors
- Technology 29%
- Financials 22%
- Industrials 12%
- Telecommunications 11%
- Consumer Staples 6%
- Health Care 5%
- Consumer Discretionary 5%
- Utilities 3%
- Energy 2%
- Consumer Discretionary 2%
- Basic Materials 2%
- Real Estate 2%
Sector exposure is dominated by technology at 29%, followed by financial services at 22%, then industrials, communication services, and several smaller slices across defensive and cyclical areas. This broad spread across 10+ sectors is a positive sign and aligns well with diversified equity benchmarks, which also lean heavily into tech and financials. A sizable tech weighting helps capture innovation and growth but can amplify sensitivity to interest rates and sentiment around high‑growth companies. The presence of defensive sectors like utilities and consumer defensive provides at least some ballast, though the overall tone remains growth‑heavy rather than defensive.
Regions
- North America 84%
- Europe Developed 12%
- Japan 1%
- Asia Developed 1%
- Australasia 1%
- Africa/Middle East 1%
Geographically, about 84% of exposure sits in North America, with most of the rest in developed Europe and small allocations to Japan, developed Asia, Australasia, and Africa/Middle East. This tilt toward North America, and likely the US specifically, is common among many investors and has been rewarded over the last decade as US markets outperformed much of the world. However, it does mean that economic, regulatory, and market shocks centered in the US will strongly affect overall results. Some investors are comfortable with this due to home‑country familiarity; others might prefer a somewhat larger slice of non‑US developed and emerging markets for balance.
Market capitalization
- Mega-cap 48%
- Large-cap 38%
- Mid-cap 13%
- Small-cap 1%
Market‑cap exposure is firmly anchored in larger companies, with 48% in mega caps and 38% in big caps, leaving only a modest 13% in mid caps and almost no small or micro caps. Large and mega‑cap firms tend to be more established, with deeper liquidity and broader analyst coverage, which can help with stability and trading efficiency. The trade‑off is less exposure to the higher‑risk, higher‑potential small‑cap space. For many growth‑oriented investors, a large‑cap focus is actually comforting, as it still offers strong return potential with somewhat more resilience than a heavy small‑cap tilt during stress.
True holdings
-
0 NVIDIA CORP 3.95%
Part of fund(s):- FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS
- Fidelity 500 Index Fund
-
1 APPLE INC 3.62%
Part of fund(s):- FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS
- Fidelity 500 Index Fund
-
2 MICROSOFT CORP 3.30%
Part of fund(s):- FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS
- Fidelity 500 Index Fund
-
AV Broadcom Inc 3.27%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
NV NVIDIA Corporation 3.25%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
ME Meta Platforms Inc. 2.61%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
3 BROADCOM INC 1.86%
Part of fund(s):- FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS
- Fidelity 500 Index Fund
-
JP JPMorgan Chase & Co 1.75%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
4 AMAZON.COM INC 1.58%
Part of fund(s):- FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS
- Fidelity 500 Index Fund
-
5 TESLA INC 1.50%
Part of fund(s):- FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS
- Fidelity 500 Index Fund
- Top 10 total 26.71%
Looking through the funds, several familiar large names appear repeatedly, such as NVIDIA, Apple, Microsoft, Broadcom, Meta, JPMorgan, Amazon, and Tesla. Because these companies show up in multiple funds, their effective influence is higher than any single fund weight might suggest. This is what’s called “overlap” or hidden concentration: different wrappers, but many of the same underlying engines. Overlap isn’t inherently bad; it often reflects owning the market leaders that drive index returns. The key is simply being aware that big tech and mega‑cap growth stocks are central to overall performance here, so their cycles will heavily shape the ride.
Factors
Factor exposure shows strong tilts toward low volatility (57.3%) and momentum (49.6%), with moderate exposure to value and smaller coverage for size; quality and yield data are missing. Factors are like personality traits of your investments—momentum captures recent winners, low volatility favors steadier names, value leans into cheaper stocks, and size shifts between large and small companies. A big momentum tilt can shine in trending bull markets but may suffer in sharp reversals. The strong low‑volatility tilt can help buffer some of that, making the portfolio less jumpy than a pure high‑beta momentum approach. Because signal coverage is incomplete, treat these tilts as directional rather than perfectly precise.
Risk contribution
-
Invesco S&P 500® Momentum ETF
Weight: 35.00% 38.0% -
Fidelity 500 Index Fund
Weight: 35.00% 34.1% -
Invesco S&P International Developed Momentum ETF
Weight: 20.00% 16.7% -
FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS
Weight: 10.00% 11.2%
Risk contribution shows how much each holding adds to overall volatility, which can differ from its simple weight. Here, the US momentum ETF and the S&P 500 index fund each sit at 35% weight and contribute roughly a third of risk each, which is well‑aligned. The international momentum ETF, at 20% weight, contributes less risk than its size, helping diversification. The large‑cap growth fund, though only 10% of the portfolio, contributes about 11.2% of risk, so it’s slightly more “intense” per dollar. Overall, the top three positions drive nearly 89% of portfolio risk, so any changes to their mix would meaningfully shift the risk profile.
Redundant positions
-
High correlationFIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASSFidelity 500 Index Fund
Correlation measures how assets move together; values near 1 mean they usually rise and fall in sync. The S&P 500 index fund and the large‑cap growth index fund are highly correlated, which makes sense because both focus on big US growth companies. When holdings are very correlated, they don’t add much diversification—even if they look different by name or ticker. That’s not automatically a problem; it can simply mean you’re doubling down on a specific style. But if the goal is to smooth the ride, mixing in assets or strategies that behave differently in stress periods can sometimes reduce overall swings without sacrificing much expected return.
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.
In the risk‑versus‑return view, the efficient frontier shows the best expected return for each risk level using only your existing holdings in different mixes. The note about removing overlapping, highly correlated assets suggests the current portfolio may sit somewhat below the theoretical optimal curve because similar US large‑cap growth exposures are doing redundant work. The Sharpe ratio, which compares excess return to volatility, would likely improve by either trimming one of the overlapping US growth funds or reweighting toward positions that provide more distinct behavior. The good news is that potential improvements can come from rebalancing what’s already here, not necessarily from adding new products.
Dividends
- FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.40%
- Fidelity 500 Index Fund 1.10%
- Invesco S&P International Developed Momentum ETF 3.70%
- Invesco S&P 500® Momentum ETF 0.70%
- Weighted yield (per year) 1.41%
The blended dividend yield is about 1.41%, with the highest yield coming from the international developed momentum ETF and the lowest from the growth‑tilted US fund. That’s a modest income stream, consistent with a growth‑oriented, large‑cap portfolio. Dividends here are more of a side benefit than a central feature; most of the total return historically has come from price appreciation rather than income. For someone focused primarily on long‑term capital growth, this is perfectly in line with expectations. Income‑focused investors, by contrast, would usually look for higher yields or separate income‑oriented holdings to meet cash‑flow needs.
Ongoing product costs
- FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
- Fidelity 500 Index Fund 0.02%
- Invesco S&P International Developed Momentum ETF 0.25%
- Invesco S&P 500® Momentum ETF 0.13%
- Weighted costs total (per year) 0.11%
The total ongoing cost, or total expense ratio (TER), is impressively low at around 0.11% across the portfolio. TER is the annual fee charged by funds and ETFs, and keeping it low is like having a car with great fuel economy—you lose less to friction over time. The core S&P 500 and large‑cap growth funds are especially cheap, offsetting the slightly higher fees on the specialized momentum ETFs. This cost structure is a real strength and aligns closely with best practices seen in many institutional and index‑focused strategies. Over decades, savings of even a few tenths of a percent can add up to a meaningful difference in ending wealth.
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