A growth-focused portfolio with a strong lean towards US equities and minimal international exposure

Report created on Aug 20, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is heavily weighted towards the Fidelity 500 Index Fund, comprising 80% of the allocation. This indicates a strong preference for large-cap US equities. The remaining 20% is divided between international, mid-cap, and small-cap funds, aiming to introduce some level of diversification. However, the overwhelming emphasis on a single fund suggests a concentrated risk profile, particularly in the context of market fluctuations affecting large-cap US stocks.

Growth Info

Historically, the portfolio has shown a Compound Annual Growth Rate (CAGR) of 14.74%, with a significant maximum drawdown of -34.32%. These figures highlight the portfolio's growth orientation but also underscore its vulnerability to market downturns. The days contributing to 90% of returns being limited in number suggest that the portfolio's performance is heavily reliant on short-term market surges, which could be a risk factor for investors seeking stable, long-term growth.

Projection Info

Monte Carlo simulations project a wide range of outcomes, with the median suggesting a potential 343.9% increase. While these projections provide a glimpse into possible future scenarios, they're rooted in historical data, which doesn't guarantee future performance. Investors should consider this variability, especially since the simulations indicate a significant spread between the lower and upper percentiles, highlighting the risk of substantial fluctuations.

Asset classes Info

  • Stocks
    100%

The portfolio is entirely invested in stocks, with no allocation to cash, bonds, or other asset classes. This singular focus on equities maximizes growth potential but also increases volatility and risk. Diversifying across different asset classes could provide a buffer against stock market downturns and contribute to more stable long-term returns.

Sectors Info

  • Technology
    29%
  • Financials
    15%
  • Consumer Discretionary
    11%
  • Health Care
    10%
  • Industrials
    9%
  • Telecommunications
    9%
  • Consumer Staples
    6%
  • Energy
    3%
  • Utilities
    3%
  • Real Estate
    3%
  • Basic Materials
    2%

Sector allocation is broadly diversified across 11 sectors, with a notable emphasis on technology, financial services, and consumer cyclical sectors. This sectoral distribution aligns with the portfolio's growth focus but may expose it to sector-specific risks, such as regulatory changes or economic cycles affecting these dominant sectors.

Regions Info

  • North America
    90%
  • Europe Developed
    4%
  • Japan
    2%
  • Asia Emerging
    1%
  • Asia Developed
    1%

Geographic allocation is heavily skewed towards North America (90%), with minimal exposure to other regions. This concentration enhances exposure to US market performance but limits potential benefits from global diversification, such as mitigating region-specific risks and capitalizing on growth in emerging markets.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    31%
  • Mid-cap
    20%
  • Small-cap
    5%
  • Micro-cap
    2%

The portfolio's market capitalization exposure reflects a preference for larger companies, with a significant portion allocated to mega and big caps. While this may contribute to stability during volatile periods, the modest allocation to small and micro caps limits opportunities for outsized returns from faster-growing firms.

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 allocation suggests room for optimization towards the Efficient Frontier, potentially offering a better risk-return trade-off. Adjusting the balance between large-cap US equities and other asset classes or geographic regions could improve the portfolio's overall efficiency, enhancing returns for a given level of risk.

Dividends Info

  • FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 1.10%
  • 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%
  • Weighted yield (per year) 1.06%

The portfolio's overall dividend yield is 1.06%, contributing to its total return. While not the primary focus for growth-oriented investors, dividends offer a source of passive income and can provide a cushion during market dips. The international fund's higher yield suggests a potential area for increasing income without significantly altering the portfolio's growth trajectory.

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%
  • Weighted costs total (per year) 0.02%

With an overall Total Expense Ratio (TER) of 0.02%, the portfolio benefits from low costs, which can significantly enhance long-term returns. Keeping costs low is crucial for maximizing investment growth, especially in a portfolio focused on index funds, where the primary goal is to match, rather than beat, market performance.

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