A growth-oriented portfolio with a strong focus on stocks and technology sector exposure

Report created on Aug 16, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Your portfolio is predominantly invested in three Fidelity funds, with a heavy emphasis (60%) on the Contrafund, known for its active management strategy focusing on growth stocks. The Total Market Index Fund and the Total International Index Fund complement this focus by offering broad exposure to the U.S. and international markets, respectively. This composition suggests a strategic tilt towards growth equities, with a significant portion allocated to the technology sector. The allocation across these funds indicates a preference for diversification while maintaining a clear growth trajectory.

Growth Info

Historically, your portfolio has exhibited a Compound Annual Growth Rate (CAGR) of 15.90%, a robust figure that underscores the growth focus of your investment strategy. However, it's important to note the maximum drawdown of -31.25%, which points to the level of risk associated with this growth orientation. The days contributing most to returns further highlight the portfolio's volatility and the concentration of gains in specific periods. This performance profile suggests a need to balance the pursuit of high returns with the management of associated risks.

Projection Info

Monte Carlo simulations, which project future outcomes based on historical data, suggest a wide range of potential results for your portfolio. While the majority of simulations indicate positive returns, the variation from the 5th to the 67th percentile underscores the uncertainty inherent in growth-focused investments. This spread highlights the importance of maintaining a long-term perspective and being prepared for fluctuations in portfolio value.

Asset classes Info

  • Stocks
    96%
  • Cash
    2%
  • Other
    2%

Your portfolio's asset allocation is heavily skewed towards stocks (96%), with minimal allocations to cash and other unspecified assets. This high equity exposure aligns with the portfolio's growth objectives but also increases sensitivity to market volatility. The absence of bonds or other fixed-income securities limits opportunities for income generation and risk mitigation, suggesting a potential area for diversification.

Sectors Info

  • Technology
    24%
  • Financials
    19%
  • Telecommunications
    19%
  • Consumer Discretionary
    10%
  • Industrials
    8%
  • Health Care
    8%
  • Consumer Staples
    4%
  • Basic Materials
    2%
  • Energy
    2%
  • Utilities
    2%
  • Real Estate
    1%

The sector allocation reveals a significant concentration in technology, financial services, and communication services, which are sectors known for their growth potential but also for their volatility. While this sectoral focus supports the portfolio's growth objectives, it also increases susceptibility to sector-specific risks. Diversifying into sectors with defensive characteristics, such as healthcare or consumer staples, could provide a buffer during market downturns.

Regions Info

  • North America
    84%
  • Europe Developed
    7%
  • Japan
    2%
  • Asia Emerging
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, your portfolio is heavily weighted towards North America (84%), with modest exposure to developed Europe, Japan, and emerging markets in Asia. This geographic distribution reflects a strong home bias, which, while reducing exposure to currency and geopolitical risks, may limit opportunities for diversification and growth in emerging markets.

Market capitalization Info

  • Mega-cap
    57%
  • Large-cap
    23%
  • Mid-cap
    12%
  • Small-cap
    2%
  • Micro-cap
    1%

The market capitalization breakdown shows a preference for mega and big-cap stocks, which tend to be more stable and less volatile than their smaller counterparts. This allocation can provide a foundation of stability for the portfolio, though incorporating a greater mix of medium, small, and micro-cap stocks could enhance growth potential and diversification.

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.

Optimizing your portfolio using the Efficient Frontier could identify allocations that offer a better risk-return trade-off. While your current strategy emphasizes growth, there may be opportunities to achieve similar returns with reduced risk or to enhance returns without increasing risk significantly. This optimization process is based on historical and simulated data, which are not guarantees of future performance but can provide valuable insights for strategic adjustments.

Dividends Info

  • Fidelity Contrafund 0.80%
  • Fidelity Total Market Index Fund 1.00%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.30%
  • Weighted yield (per year) 1.08%

The dividend yields from the funds in your portfolio contribute to its total return, with the international fund offering a notably higher yield. While dividends are not the primary focus of a growth-oriented strategy, they can provide a steady income stream and mitigate some volatility. Considering investments with higher dividend yields or dividend growth potential could further balance the portfolio's risk-return profile.

Ongoing product costs Info

  • Fidelity Contrafund 0.63%
  • Fidelity Total Market Index Fund 0.02%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.06%
  • Weighted costs total (per year) 0.39%

The Total Expense Ratios (TER) of the funds in your portfolio vary significantly, with the Contrafund being the most expensive. While active management fees can be justified by superior performance, it's essential to monitor these costs as they can erode long-term returns. The low costs of the index funds help balance overall portfolio expenses, underscoring the value of cost-conscious investment choices.

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