A deep dive into a growth-focused portfolio with exclusive exposure to large-cap US equities
Report created on Nov 6, 2025Risk profile
5/7
Diversification profile
2/5
Positions
-
FX Fidelity 500 Index Fund
FXAIX - US3159117502 100.00%
Your portfolio is composed entirely of the Fidelity 500 Index Fund, which mirrors the performance of the S&P 500. This setup indicates a strong focus on growth, given the fund's historical performance and its concentration on large-cap U.S. equities. The simplicity of having a single asset class (stocks) and a single investment vehicle underscores a streamlined approach but also highlights a lack of diversification across different asset classes and regions, which can increase volatility.
Growth
The portfolio has shown a Compound Annual Growth Rate (CAGR) of 15.48%, which is impressive and indicative of the robust growth of U.S. equities, especially in the technology sector. The maximum drawdown of -33.81% reflects the potential volatility and risk associated with a 100% equity portfolio. The days contributing to 90% of returns being limited to 35 suggest that the portfolio's performance is heavily reliant on significant market upswings, underscoring the importance of staying invested through market cycles.
Projection
Monte Carlo simulations, which project future performance based on historical data, show a wide range of outcomes for this portfolio, with a median increase of 638.9%. While these simulations can provide a sense of potential growth, it's crucial to remember they are based on past trends, which may not predict future movements accurately. The nearly universal positive return in simulations does, however, reinforce the growth potential of this investment strategy.
Asset classes
- Stocks 100%
Your portfolio's allocation is exclusively in stocks, mirroring the S&P 500's composition. This asset class is known for its growth potential over the long term but comes with higher volatility compared to bonds or other fixed-income investments. While this concentration aligns with a growth profile, the absence of other asset classes reduces the portfolio's ability to hedge against stock market downturns.
Sectors
- Technology 33%
- Financials 14%
- Consumer Discretionary 11%
- Health Care 10%
- Telecommunications 10%
- Industrials 8%
- Consumer Staples 6%
- Energy 3%
- Utilities 2%
- Real Estate 2%
- Basic Materials 2%
The sector allocation closely follows the S&P 500, with a significant emphasis on technology, financial services, and consumer cyclical sectors. This concentration in high-growth sectors has likely contributed to the portfolio's strong performance but also increases susceptibility to sector-specific risks. Diversifying across a broader range of sectors could mitigate some of this risk.
Regions
- North America 99%
The geographic allocation is almost entirely focused on North America, with 99% of assets based in the U.S. This concentration benefits from the strength of the U.S. economy and its stock market but limits exposure to potential growth in other regions. Expanding geographic exposure could provide a buffer against U.S.-specific economic downturns and capitalize on growth opportunities elsewhere.
Market capitalization
- Mega-cap 47%
- Large-cap 35%
- Mid-cap 18%
- Small-cap 1%
The market capitalization breakdown shows a strong preference for mega and big-cap companies, which are typically more stable and have lower volatility than smaller companies. However, this focus may limit potential high-growth opportunities available in medium and small-cap stocks. Considering a slight increase in exposure to these segments could enhance growth prospects and diversification.
Dividends
- Fidelity 500 Index Fund 1.10%
- Weighted yield (per year) 1.10%
The dividend yield of 1.10% contributes to the portfolio's total returns, providing a modest income stream on top of capital gains. While not the focus for growth-oriented investors, dividends can offer a slight cushion during market dips. Reinvesting these dividends can compound growth over time.
Ongoing product costs
- Fidelity 500 Index Fund 0.02%
- Weighted costs total (per year) 0.02%
The portfolio's total expense ratio (TER) of 0.02% is exceptionally low, which is advantageous for long-term growth as it minimizes the drag on performance caused by fees. Keeping costs low is a fundamental principle of investing that you've adhered to well, supporting better net returns over time.
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