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A high-flying portfolio that's put almost all its eggs in the S&P 500 basket

Report created on Jul 23, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

At a glance, this portfolio resembles that one friend who claims to be adventurous but orders the same dish every time at the restaurant. With a staggering 90.74% in the Fidelity 500 Index Fund, it's like betting almost everything on the belief that what worked in the past will work forever. The token gestures towards international exposure and small caps feel like adding a sprinkle of pepper to an otherwise bland investment meal.

Growth Info

Historically, this portfolio's CAGR of 15.19% might have you feeling like the king of the world, but remember, past performance is as reliable as a weather forecast in a British summer — it's a rough guide, not a guarantee. That max drawdown of -33.80% is a stark reminder that when the market sneezes, this portfolio could catch a cold. And relying on 30 days for 90% of your returns? That's like basing your diet on holiday feasts alone.

Projection Info

Monte Carlo simulations suggest a wide range of outcomes, but banking on the 50th percentile for retirement planning is like expecting traffic to always move smoothly — optimistic, at best. The portfolio's heavy reliance on a few assets introduces a rollercoaster ride that might not be everyone's idea of a comfortable retirement. Diversifying could be like adding shock absorbers to smooth out those bumps.

Asset classes Info

  • Stocks
    100%

Sticking to 100% stocks with no bonds, cash, or "other" assets is like wearing flip-flops year-round. Sure, it's fine when the weather's good, but you're going to have a bad time when conditions change. A little variety could prevent your financial feet from getting frostbite during the market's inevitable cold snaps.

Sectors Info

  • Technology
    30%
  • Financials
    15%
  • Health Care
    11%
  • Consumer Discretionary
    10%
  • Telecommunications
    9%
  • Industrials
    8%
  • Consumer Staples
    6%
  • Energy
    4%
  • Utilities
    3%
  • Real Estate
    2%
  • Basic Materials
    2%

The sector allocation with a heavy tech tilt is like having a diet consisting mainly of fast food — great until it isn't. With financial services, healthcare, and consumer cyclicals trailing behind, the portfolio's sector spread is less a balanced meal and more a buffet where you've piled your plate too high with the same thing.

Regions Info

  • North America
    93%
  • Europe Developed
    3%
  • Japan
    1%
  • Asia Emerging
    1%
  • Asia Developed
    1%

With 93% in North America, this portfolio's geographic diversity is akin to believing that the best cuisine in the world can only be found in your hometown. Sure, comfort food is great, but there's a whole world of flavors out there. Expanding into more international markets could be like discovering a new favorite dish you never knew you loved.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    33%
  • Mid-cap
    18%
  • Small-cap
    1%

The market cap allocation is like believing only in giants and ignoring the potential of the little guys. With a heavy lean towards mega and big caps, the portfolio misses out on the nimbleness and growth potential of smaller companies. It's akin to only watching blockbuster movies and never giving that critically acclaimed indie film a chance.

Redundant positions Info

  • VANGUARD TARGET RETIREMENT 2055 FUND INVESTOR SHARES
    Fidelity 500 Index Fund
    High correlation

The high correlation between the Vanguard Target Retirement 2055 Fund and the Fidelity 500 Index Fund is like buying two different brands of vanilla ice cream and expecting a flavor explosion. It's time to mix in some chocolate or strawberry — or, in investment terms, assets that don't move in lockstep.

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 current state of this portfolio on the Efficient Frontier is like trying to balance on a tightrope while wearing oversized clown shoes — precarious, at best. Optimizing for a better risk-return trade-off might involve ditching some of the highly correlated assets for starters. Think of it as swapping those clown shoes for a pair of sensible walking boots.

Dividends Info

  • FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.10%
  • FIDELITY SMALL CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.90%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.40%
  • Fidelity 500 Index Fund 0.90%
  • VANGUARD TARGET RETIREMENT 2055 FUND INVESTOR SHARES 2.00%
  • Weighted yield (per year) 1.03%

The portfolio's dividend yield strategy is like finding loose change under the sofa cushions; it's nice to have but won't significantly impact your finances. With a total yield of just over 1%, it's clear that income generation isn't the portfolio's strong suit. Considering some higher-yielding assets could add a nice stream of passive income to the mix.

Ongoing product costs Info

  • FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
  • FIDELITY SMALL CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.06%
  • Fidelity 500 Index Fund 0.02%
  • VANGUARD TARGET RETIREMENT 2055 FUND INVESTOR SHARES 0.08%
  • Weighted costs total (per year) 0.02%

At least the portfolio's costs are under control — it seems you've managed to avoid the high-fee traps that can eat into returns like a termite infestation in a wooden house. With overall very low TERs, you're not bleeding money on fees, which is commendably frugal but doesn't offset the portfolio's other risks.

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