A textbook example of playing it too safe with a dash of international flair
Report created on Jul 31, 2025Risk profile
4/7
Diversification profile
5/5
Positions
-
FS Fidelity Total Market Index Fund
FSKAX - US3159116934 60.00% -
FT FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
FTIHX - US31635V6386 20.00% -
FX FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS
FXNAX - US3161463563 20.00%
At first glance, this portfolio looks like it was built using an "Investing 101" textbook as a blueprint, with a heavy lean on the Fidelity Total Market Index Fund. While diversification is the name of the game, there's such a thing as playing it too safe. It's like wearing a belt and suspenders — cautious, sure, but overkill. The allocation across just three funds screams, "I want to travel the world but only if I can stay in chain hotels."
Growth
With a CAGR of 11.31%, it seems like the portfolio has been doing laps in the kiddie pool — decent progress without much risk of drowning. But let's not forget, past performance is like relying on last year's weather forecast to plan today's picnic. The max drawdown of -29.78% is a gentle reminder that even the safest-looking portfolios can trip and scrape their knees.
Projection
The Monte Carlo simulation, with its fancy name, is essentially a crystal ball based on math rather than magic. It suggests a wide range of outcomes, but betting your retirement on the 50th percentile feeling lucky is like planning to win the lottery for your retirement strategy. Sure, 976 out of 1,000 simulations came out positive, but remember, even simulations get overly optimistic after a few drinks.
Asset classes
- Stocks 79%
- Bonds 20%
- Cash 1%
With 79% in stocks and 20% in bonds, the portfolio has the personality of a well-balanced breakfast — nutritious but lacking spice. The 1% in cash is like keeping a spare button: not particularly useful but comforting to have. This asset class allocation is commendable for its balance, but it whispers "I'm too scared to leave my comfort zone."
Sectors
- Technology 21%
- Financials 13%
- Consumer Discretionary 9%
- Industrials 8%
- Health Care 8%
- Telecommunications 7%
- Consumer Staples 5%
- Energy 3%
- Basic Materials 3%
- Real Estate 2%
- Utilities 2%
The sector allocation reads like a who's who of the stock market, with a predictable 21% in technology — because who isn't addicted to tech these days? Financial services and consumer cyclicals follow suit, making this portfolio as groundbreaking as a vanilla latte. It's diversified, yes, but it also feels like someone just ticked boxes without much thought for a zestier approach.
Regions
- North America 61%
- No data 20%
- Europe Developed 8%
- Japan 3%
- Asia Emerging 3%
- Asia Developed 2%
- Australasia 1%
- Africa/Middle East 1%
With 61% parked in North America, this portfolio has a 'home country bias' that's as subtle as a sledgehammer. The adventurous 20% labeled as "Unknown" is intriguing, though, like a mystery ingredient in a recipe — could be exciting, could be a disaster. The smattering of international exposure is like saying you're cultured because you once ate at an international food court.
Market capitalization
- Mega-cap 33%
- Large-cap 24%
- Mid-cap 15%
- Small-cap 5%
- Micro-cap 1%
The mega to micro cap spread looks like someone tried to build a balanced diet but ended up with mostly carbs. Mega and big caps dominate, making it as daring as ordering a salad at a steakhouse. Sure, it's a safe bet, but where's the thrill of the occasional small-cap spice?
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.
On the Efficient Frontier, this portfolio might be lounging in the safe zone, far from the cliff edge of risk. But let's remember, the frontier is about finding the best view (returns) for your hike (risk). This portfolio prefers a gentle stroll in the park — safe, but not exactly exhilarating.
Dividends
- Fidelity Total Market Index Fund 1.00%
- FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.40%
- FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 3.20%
- Weighted yield (per year) 1.72%
The dividend yield is like the portfolio's attempt at a side hustle — it's there, but it's not going to make you rich. A total yield of 1.72% is like finding change in the couch cushions; nice to have, but hardly a game changer. It’s steady income, sure, but don’t quit your day job.
Ongoing product costs
- Fidelity Total Market Index Fund 0.02%
- FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.06%
- FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
- Weighted costs total (per year) 0.03%
The shining star in this portfolio is its low cost, with a Total Expense Ratio (TER) of just 0.03%. It's like finding a luxury car with the fuel efficiency of a compact — rare and commendable. Kudos on keeping costs lower than a limbo stick at a dance party.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey