Growth-focused portfolio with high tech exposure and solid historical performance

Report created on Jul 28, 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 primarily invested in funds, with a significant allocation to the Fidelity Total Market Index Fund and the Fidelity Large Cap Growth Index Fund, indicating a strong focus on broad market and large-cap growth equities. The inclusion of the Fidelity Total International Index Fund adds international exposure, while the Fidelity Select Semiconductors Portfolio introduces a sector-specific investment, particularly in technology. This composition suggests a growth-oriented strategy with an emphasis on tech sectors, balanced by broad market diversification.

Growth Info

Historically, your portfolio has shown a Compound Annual Growth Rate (CAGR) of 15.79%, with a maximum drawdown of -33.68%. This performance indicates a strong growth trajectory, albeit with significant volatility, as evidenced by the substantial drawdown. The days contributing to 90% of returns being concentrated in a relatively short period highlight the portfolio's susceptibility to market swings. Comparing this to a benchmark could provide further insight into risk-adjusted performance.

Projection Info

Monte Carlo simulations project a wide range of outcomes, with a median increase of 740.9% in portfolio value, suggesting potential for substantial growth. However, the wide spread between the 5th and 67th percentiles indicates considerable uncertainty. While these projections offer a glimpse into possible futures, it's crucial to remember they are based on historical data and assumptions, which may not accurately predict future market conditions.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Your portfolio is almost entirely composed of stocks (99%), with a minimal cash holding (1%). This asset class allocation aligns with a growth-focused strategy but carries higher volatility and risk. Diversifying across different asset classes, such as bonds or real estate, could provide a buffer against stock market fluctuations, potentially reducing overall portfolio volatility.

Sectors Info

  • Technology
    36%
  • Financials
    13%
  • Consumer Discretionary
    11%
  • Telecommunications
    9%
  • Industrials
    8%
  • Health Care
    8%
  • Consumer Staples
    5%
  • Energy
    3%
  • Basic Materials
    2%
  • Real Estate
    2%
  • Utilities
    2%

The sector allocation demonstrates a heavy weighting towards technology, which can offer high growth potential but also higher volatility. Financial Services, Consumer Cyclical, and Communication Services also have significant allocations, contributing to diversification. However, the tech-heavy focus may increase sensitivity to sector-specific downturns, suggesting a review of sector exposures might be beneficial to balance risk.

Regions Info

  • North America
    81%
  • Europe Developed
    9%
  • Japan
    3%
  • Asia Emerging
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, your portfolio is heavily weighted towards North America (81%), with modest exposure to developed Europe and emerging markets. This distribution reflects a strong home bias, which could limit diversification benefits and expose the portfolio to regional economic cycles. Increasing exposure to emerging markets and other developed regions could enhance diversification and potentially tap into higher growth rates abroad.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    28%
  • Mid-cap
    17%
  • Small-cap
    4%
  • Micro-cap
    1%

The market capitalization allocation shows a preference for mega (48%) and big (28%) cap stocks, which tend to be more stable but can offer lower growth rates compared to smaller companies. Medium, small, and micro caps represent a smaller portion of the portfolio, suggesting an opportunity to increase exposure to these segments for potential higher growth, albeit with increased risk.

Redundant positions Info

  • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS
    Fidelity Total Market Index Fund
    High correlation

The high correlation between the Fidelity Total Market Index Fund and the Fidelity Large Cap Growth Index Fund indicates overlapping holdings, which may limit the diversification benefits within your portfolio. Diversifying into funds or assets with lower correlations could help in reducing overall portfolio risk while maintaining growth potential.

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.

Considering the high correlation between some of your holdings, optimizing your portfolio to reduce overlap and enhance diversification could improve the risk-return profile. Utilizing the Efficient Frontier concept could help in selecting a mix of assets that achieves the highest expected return for a given level of risk, although this requires careful consideration of your investment goals and risk tolerance.

Dividends Info

  • Fidelity Select Semiconductors Portfolio 7.40%
  • Fidelity Total Market Index Fund 1.00%
  • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.30%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.40%
  • Weighted yield (per year) 1.42%

The overall dividend yield of your portfolio stands at 1.42%, with the highest yield coming from the Fidelity Select Semiconductors Portfolio. While growth-focused portfolios typically prioritize capital appreciation over income, dividends can provide a steady income stream and contribute to total return, especially in volatile or declining markets.

Ongoing product costs Info

  • Fidelity Select Semiconductors Portfolio 0.62%
  • Fidelity Total Market Index Fund 0.02%
  • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.06%
  • Weighted costs total (per year) 0.06%

Your portfolio's total expense ratio (TER) is relatively low at 0.06%, which is beneficial for long-term growth as lower costs directly translate to higher net returns. The Fidelity Select Semiconductors Portfolio has a higher TER, which is expected given its sector-specific focus. Monitoring and managing investment costs remains crucial for optimizing portfolio performance.

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