This portfolio has only about 9 months of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.

A balanced portfolio with a strong international focus and low-cost index funds

Report created on Aug 5, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

The portfolio is predominantly invested in international equities through the Fidelity International Index Fund Institutional Premium Class, making up 70% of the allocation. This is complemented by a 20% allocation in the Fidelity 500 Index Fund, targeting US equities, and a 10% investment in the Select STOXX Europe Aerospace & Defense ETF. This composition indicates a strategic emphasis on diversification across geographies with a significant tilt towards developed markets, particularly Europe and North America. The inclusion of a sector-specific ETF adds a targeted growth component within the industrials sector.

Growth Info

Historical performance showcases a Compound Annual Growth Rate (CAGR) of 22.44%, with a maximum drawdown of -13.47%. Notably, a small number of days contributed disproportionately to the portfolio's returns. This volatility and return pattern suggests resilience in market downturns and the potential for significant gains during market upswings. The portfolio's performance, especially considering its diversified nature and balanced risk classification, is commendable and indicates strong management and asset selection.

Projection Info

Monte Carlo simulations, running 1,000 scenarios, predict a wide range of outcomes with a median end portfolio value increase of 9,760.7%. The simulations show a 100% rate of positive returns, which underscores the portfolio's robustness against market volatility. However, it's essential to note that while Monte Carlo simulations are useful for understanding potential outcomes, they are based on historical data and cannot predict future market conditions with certainty.

Asset classes Info

  • Stocks
    97%
  • Cash
    2%

The portfolio's asset allocation is heavily weighted towards stocks (97%), with a minimal cash reserve (2%). This allocation aligns with the portfolio's balanced risk profile but leans towards growth. The stock-heavy strategy is suitable for investors with a medium to long-term horizon, given the potential for higher returns accompanied by increased volatility. The minimal allocation to cash allows for liquidity but also indicates a full commitment to market participation for growth.

Sectors Info

  • Industrials
    24%
  • Financials
    19%
  • Technology
    13%
  • Health Care
    10%
  • Consumer Discretionary
    9%
  • Consumer Staples
    7%
  • Telecommunications
    6%
  • Basic Materials
    4%
  • Energy
    3%
  • Utilities
    3%
  • Real Estate
    2%

Sector allocation is broad, covering industrials, financial services, technology, healthcare, and consumer sectors among others. This wide sectoral coverage contributes to the portfolio's diversification, reducing sector-specific risks. The heavy weighting in industrials, driven by the aerospace and defense ETF, introduces a thematic investment strategy that could capitalize on sector-specific growth trends.

Regions Info

  • Europe Developed
    55%
  • North America
    21%
  • Japan
    15%
  • Australasia
    5%
  • Asia Developed
    3%
  • Africa/Middle East
    1%

Geographic allocation is heavily skewed towards developed markets, with a notable 55% in Europe Developed, followed by 21% in North America. This focus on developed markets is a conservative strategy that prioritizes stability and mature economies. However, the absence of exposure to emerging markets could mean missing out on higher growth potential offered by these regions. Incorporating emerging markets could enhance diversification and growth prospects.

Market capitalization Info

  • Mega-cap
    52%
  • Large-cap
    33%
  • Mid-cap
    9%

The market capitalization allocation shows a preference for mega (52%) and big (33%) cap stocks, with a smaller allocation to medium cap stocks (9%). This indicates a conservative approach, favoring established companies with a history of stability and growth. However, the lack of small-cap investments may limit the portfolio's potential to benefit from the rapid growth of smaller companies.

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 portfolio's current allocation demonstrates a good balance between risk and return, as indicated by its performance and Monte Carlo simulation outcomes. However, the heavy emphasis on developed markets and large-cap stocks suggests room for optimization towards the Efficient Frontier by possibly incorporating emerging markets or small-cap stocks to enhance growth potential and reduce correlation, thus potentially improving the risk-return ratio.

Dividends Info

  • FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.50%
  • Fidelity 500 Index Fund 0.90%
  • Select STOXX Europe Aerospace & Defense ETF 0.10%
  • Weighted yield (per year) 1.94%

The portfolio's dividend yield strategy is balanced, with a total yield of 1.94%. The international index fund contributes significantly to this yield, indicating an income-generating component to the portfolio. This approach provides a steady income stream while also allowing for capital appreciation, aligning well with a balanced risk profile that seeks growth with a measure of income stability.

Ongoing product costs Info

  • FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
  • Fidelity 500 Index Fund 0.02%
  • Weighted costs total (per year) 0.03%

The portfolio benefits from exceptionally low costs, with a Total Expense Ratio (TER) of just 0.03%. This efficiency is crucial for long-term growth, as lower costs directly translate to higher net returns for the investor. The choice of low-cost index funds is a prudent strategy, ensuring that the portfolio's returns are not unduly eroded by management fees.

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